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HomeMy WebLinkAbout14-2751 Supreme CouitZUXennsylvania Court-offCo"mktnoftl P I eas For Nodwnofxy Use 0--dy: CiViliff.ver ;Slfeot Docket No: �W V;%V CUM^SERI tD, County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers qs�iequiivdby law or rules o court. fm_ Commencement of Action: S Complaint El Writ of Summons Petition Transfer from Another Jurisdiction Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: CACH,LLC_ Lead J LYNCH SR_ T Dollar Amount Requested: [2within arbitration limits I Are money damages requested? [2 Yes ONo _ (check one) E3 outside arbitration limits 0 1-- -- _ ___ N Is this a Class Action Suit? El Yes [3 No Is this anMDJAppear- C3 Yes 0 No A Name of Plaintiff/Appellant's Attorney. ALLAN C.SMITH,ESQ. E3 Check here ifyon have no attorney(are a Self-Represented [Pro Sel Litigant) Nature of the Case: Place an"X'to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim check the one that you consider most important. TORT(do not include Mars Tort) CONTRACT(do not include judgments,) CIVIL APPEALS' [3 Intentional El Buyer Plaintiff Administrative Agencies [3 Malicious Prosecution 10 Debt Collection:Credit Card E3 Board of.Assessment 13 Motor Vehicle E3 Debt Collection:Other [3 Board of Elections. E3 Nuisance Dept of Transportation E3 Premises Liability 8 Statutory Appeal:Other E3 Product Liability(does not includeO Employment Dispute: mass toro S lander/Lib el/Defamation Discrimination Other: Employment Dispute:Other [3 Zoning Board C 0 T Other: I Other: o MASS TORT [3 Asbestos N 0 Tobacco 0 Toxic Tort-DES [3 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS E3 Toxic Waste E3 Ejectment 13 Common Law/Statutory Arbitration B [3 Other: E3 Eminent Domain/Condemnation E3 Declaratory Judgment E3 Ground Rent Mandamus 0 Landlord/Tenant Dispute Non-Domestic Relations [3 Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure:Commercial Quo Warranto [3 Dental [3 Partition OReplevin [3 Legal 0 QuiefTitle O Other: [3 Medical 0 Other: [3 Other Professional: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA LLC `t " VS. NO: FRANKLIN J LYNCH SR NOTICE TO DEFEND You have been sued in Court. If you wish to defendant against the claims set fourth in the following pages, you must take action within(20) days after the Complaint and notice are served,by entering a written appearance personally or by an attorney and filing in writing with the Court, your defenses or objections to the claims set fourth against you. You are warned that if you fail to do so,the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claims or any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER CANNOT AFFORD ONE GO TO OR YOU DO NOT HAVE A LAWYER O TELEPHONE THIS OFFICE SET CE CAN PROVIDE YOU WITH WHERERTH BELOW TO FIND OUT YOU CAN GET HELP. THISOF INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH O ELIGIBLE PERSINFORMATION OUT AGENCIES NS AT A REDUCED MAY OFFER LEGAL SERVICE FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 13, G �6 S 0 ( y 3, Law Firm of Allan C. Smith,P.0 Attorney ID: 204756 1276 Veterans Highway Suite-E-1 Bristol,PA 19007 (888)275-6399/(215)428-0666 Attorney for Plaintiff CACH,LLC ) COURT OF COMMON PLEAS 4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY FLOOR DENVER,CO 80237 ) Plaintiff, ) VS. ) No.: FRANKLIN J LYNCH SR ) 284 STUMPSTOWN RD ) MECHANICSBURG,PA 17055 ) COMPLAINT To: FRANKLIN J LYNCH SR 284 STUMPSTOWN RD MECHANICSBURG,PA 17055 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages,you must take action within twenty (20)days after this Complaint and Notice are served. By entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you.and the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dial de plaza at partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOG ADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR EC NO ON SE CUENTRA ESC rTA ABAJO PARA AVERIGUAR DONDE S DIIR CUYA D E PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 Plaintiff, CACH,LLC, by its attorney Allan C. Smith, Esq., by way of complaint against Defendant FRANKLIN J LYNCH SR, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 South Monaco Street 2nd Floor,Denver,CO 80237. 2. Defendant, FRANKLIN J LYNCH SR, is an individual residing at 284 STUMPSTOWN RD , MECHANICSBURG,PA 17055. 3. Plaintiff's cause of action is based upon a writing. Pursuant to P.R.C.P Rule 1019(1), a copy of the controlling writing, the Card Member Agreement, is not accessible to the Plaintiff at this time and is in the possession of the third-party assignor of the debt to Plaintiff. Plaintiff has a reasonable and good faith belief that said writing can be produced to Defendant during discovery or prior to trial. Attached as Exhibit C is a copy of the Card Member Agreement from the assignor which sets forth in substance the same relevant terms, agreements, and obligations that are in the controlling Card member Agreement. <Exhibit C> 4. Defendant, FRANKLIN J LYNCH SR, was indebted to US BANK for a breach of a written contract by and between them in the amount of$6,578.66 which balance was due and unpaid as of November 30,2012,for credit card account number 4359830001675106. <Exhibit A> 5. On or about December 6, 2012, US BANK NATIONAL ASSOCIATION, N.D. sold the debt for good and valuable consideration to plaintiff, CACH,LLC<Exhibit B> 6. The Defendant, FRANKLIN J LYNCH SR, last tendered a payment on April 16,2012. 7. A copy of the credit card agreement is attached hereto.<Exhibit C> 8. Plaintiff is entitled to charge-off account finance charges of$0.00.<Exhibit A> 9. Plaintiff is entitled to pre-litigation charge-off interest of$0.0000 per day from the default date 0.000% annual percentage rate x $6,578.66/ 365 days) or$0.0000 x 600 days =$0.00; which is accrued interest through the date of filing. <Exhibit A> Plus an award of late fees 0.00, court costs $203.75 and reasonable attorneys fees as stated in the Cardholder Agreement attached hereto as<Exhibit C>. 10. The defendant, being indebted to the plaintiff upon the account by and between them did promise to pay said sums upon demand. Demand has been made for payment and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for $6,782.41 which includes interest, court costs and a prayer to the court for reasonable attorney's fees, should this matter be contested or go to default judgment. Date: April 3,2014 zw Allan C.Smith,Esq. EXHIBIT A u bank. NARLEY DAVIDSRN®YISAr April Statement for activity from Mar. 14,2012 through Apr. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR 6NK 8 07 Pagel of 4 Your:Harte -Davidson(D Visa Si nature(:card account.:at:a glance..-.- -A -ilit : Accont 4359:8300 0167 6406: Activity Summary Payment Information Previous Balance.................... $6,290.86 New Balance........................... $6,205.00 Payments................................. $125.000R Minimum Payment Due(Current Month) $136.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $100.00 Purchases................................ $0.00 Total New Minimum Payment Due $236.00 Balance Transfers................... $0.00 Payment Due Date.................. May 07,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $100.00 minimum payment by the date listed above,you may have Fees Charged......................... $0.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $39.14 New Balance...... . $6,205.00 Minimum Payment Warning:If you make only the ........ ....... "" minimum payment each period,you will pay more in Revolving Line of Credit......... $12,500.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ $6,295.00 For example: Statement Close Date............. Apr. 11,2012 Days in Billing Cycle............... 29 If you make no You,wll pay off And you will additional.charges the balance shown end up paying. . using this card and. on this statement. an.estimated. each month you in about.... . . total of.:. a Only the minimum 14 years $10,890 payment $198 3years $7,162 (Savings=$3,728) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$6.205.00 by 05107/12.Arty cash balance orbalance transfer balance will confinue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please print out and send this portion of statement with payment to the address listed bank. 0743598300016751060000236000006205009 Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,205.00 Minimum Payment Due: $236.00 To change your address or for Paymimt-Due=Date Enter Armurd oF;PaymeM;Endosed:,::m Cardmember Service please call: 1-800-699-2281 Every Hour!Every Day! May 07,2012 . 000000298 1 SP 106481554363104 E U.S.Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 STUMPSTOWN RD St.Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 r t Inll l u l I) I h r tll It I l i t 11 IIII'llllllll'11111'lllllll'll'lll'llllll1Ol"'1'111"'III„III I I IIIII II II III III III III III II I IIIII III r r What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Accountinforma6on:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based an an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance('ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases,Advances and Balance Transfer categories.To get the ADB in each category,we add togetherthe daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances forthose categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association ND,P.O.Box 790408,St.Louis,MO 631794408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. bank. NAKEY-DAVIDSMISIr April Statement for activity from Mar. 14,2012 through Apr. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 2 of 4 A .... .. .. ......... i'i:i i J: ......... Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 Redemption Activity.............................................................................. 0 Points Activity StandardPoints.................................................................................................... 0 Points Activity Sub-total.... 0 Points Available...................................................................................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. .... ....... Post Trans Ref. Date Date Nbr Description of Transaction Amount . . . . . .. Payments and Other Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 03/14 03/14 ET PAYMENT THANK YOU..................... ........... $125.00CR . Fees Changed. . . . . . 03115 REVERSAL OF LATE PAYMENT FEE.................................... $35.00CR 04/09 04/07 LATE FEE-PAYMENT DUE ON 04/07.................................. $35.00 04/11 ANNUAL MEMBERSHIP FEE...... .............. .......... .....- $0.00 TOTAL FEES FOR THIS PERIOD........................................... $0.00 Interest Charged 04111 INTEREST CHARGE ON PURCHASES................................. $39.14 TOTAL INTEREST FOR THIS PERIOD.................................. $39.14 . . . . . . . . . . . . . . . 2012 Totals Year-to-Date . . . . . . ... ... Total Fees Charged in 2012 $60.00 Total Interest Charged in 2012 $160.53 ar .1 or. n t 00 W go Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. . . . . . . . . . . . I . . . . . . . . . . . . . Balance, . . . . . ... .. . Arinwil. . .Expires ... . . . . Balance . . . .SuAfect to. interest Percentage . . with Interest. Balance Type By Type; Interest Rate- Variable Charge .1 1,. . . Rate Statement Free Period . . . . . . . . . . . . I . . . . . . . . . . . . . BALANCE TRANSFER $106.75 $106.75 $0.00 0.00% 02/2013 NO BALANCE TRANSFER $920.90 $918.72 $2.18 2.99% 11/2012 NO BALANCE TRANSFER $1,853.57 $1,846.26 $7.31 4.99% NO BALANCE TRANSFER $928.82 $925.16 $3.66 4.99% NO PURCHASES $1,007.30 $996.23 YES $11.07 13,99% YES -BALANCE TRANSFER $0.00 $0.00 YES $0,00 13.99% NO Confined on Next Page 4A A bank. A NAKEY DAVIDSMISA® April Statement for activity from Mar. 14,2012 through Apr. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 4 interest�harg �a[calafon Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. t3ahrece Annual. EXp"s. �afance Subect;to Interest:: Pen entage wr;h:; lnte�est' Balance Type By Type ftiterestt2ate Vapable :'Charge : Rate Statenwnt . Free period "PURCHASES $1,387.66 $1,342.56 YES $14.92 13.99% YES "ADVANCES $0.00 $0.00 YES $0.00 23.99% NO important 1Vf sages .. .. ....... ***IMPORTANT CARDMEM BER ALERT*** We are concerned that we have not heard from you. Is everything OK? Your credit card PAYMENT HAS NOT BEEN RECEIVED and is late. We need to hear from you today because your account is currently past due. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.USBANK.COM and login or enroll in Internet Banking to review your payment options. Earn H-D Genuine Rewards points on all your monthly bills when you pay them with your H-D Visa Card.Use your H-D Visa Card to automatically pay bills like telephone,cable,utilities,insurance,and subscriptions.Its convenient, no-hassle way to make payments!Its simple to sign up for Automatic Bill Pay.Visit h-dvisa.com/paymybilis for details. Thinking of selling your bike? If you've got a buyer,Harley-Davidson Financial Services has the financing program that could help you get the sale done. The Harley-Davidson Seller's Assist Program offers customized financing options to qualified applicants based on their needs.Visit your local Harley-Davidson dealer or hdfsi.com for more information. Not all applicants will qualify.Financing offers are subject to credit approval. Each time you or a third party on your behalf,pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. Continued on Next Page , 1 bank. HARLEY DAVIDSOIIrVISIr April Statement for activity from Mar. 14,2012 through Apr. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 4 of 4 o. or to t us:regard►ng ybut a��vunt...4359-1.300 By Telephone: IT Send Inquiries to: ® Send Payments to: i= Your Account Every Hour!Every Dayl Cardmember Service U.S.Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O.Box 790408 h-dvisa.com TDD: 1-888-352-6455 Fargo,ND 58125-6339 St.Louis,MO 63179-0408 Fax: 1-866-568-7729 End of Statement WA f; FRANKLIN J LYNCH SR Genuine Rewards Harley Davidson` Visa' Your H-D Visa Card is One Reward-Earning Machine! The more you use your H-D Visa Card, the more points you'll earn. Earn H-D Genuine Rewards points for every dollar you spend in net purchases with your card. Use your H-D Visa Card and watch the rewards roll in. Redeem every 2,500 points you earn for a$25 Harley Chrome Cash certificate The creditor and issuer of your Harley-Davidson Visa card is U.S.Bank National Association ND,pursuant to a license from Visa U.S.A.Inc.H-D 2012.All rights reserved.Harley-Davidson,H-D,Harley,the Bar and Shield logo and Harley Chmme are among the trademarks of H-D Michigan,U.C. t t. bank. I<� NARLEY DAVIDSOIIrVISr } 4 t May Statement for activity from Apr. 12,2012 through May 10,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR BNK 78 07 Page 1 of 3 Your Harley.DavrdsonO.:Visa Slgnaturecard account at a glance =. ... Ac.C. w!t:43558300 0i67 5406 Activity Summary Payment Information Previous Balance.................... $6,205.00 New Balance............ ...----— $6,179.86 Payments................................. $100.00CR Minimum Payment Due(Current Month) $136.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $136.00 Purchases................................ $0.00 Total New Minimum Payment Due $272.00 Balance Transfers................... $0.00 Payment Due Date.................. Jun.07,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $136.00 minimum payment by the date listed above,you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $39.86 New Balance........................... $6,179.66 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more In Revolving Line of Credit......... $12,500.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ $6,320.14 For example: Statement Close Date............. May 10, 2012 Das in Billing Cycle............... 29 If you.make.no . You will pay off . And you will additionalcharges the balance shown end up paying. . using this card.and. -on this statement an estimated each month you in about..:. total of.:. pay... Only the minimum 14 years $10,832 payment $198 3 years $7,140 (Savings=$3,692) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$6.179.86 by 06/07/12.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please print out and send this portion of statement with payment to the address listed ®bank. 0743598300016751060000272000006179860 T Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,179.86 Minimum Payment Due: $272.00 To change your address or for Payiriient Dile hate Enter Amoutx of PaymetK Enclosed..- Cardmember Service please call: `� `" ° " 1-800-699-2281 Every Hour!Every Dayl Jun.07,2012 _ _ _ 000000305 1 SP 106481596413039 E U.S.Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 STUMPSTOWN RD St.Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 I I I I I I ell In I n 1 1 1 Irl m i l ul 1 Jill 1'I'll'llll'IPII'111111111111111'11-1111-III-11-1111.1-11.'1 I I I III I I I 1 11 1 IIII I I IIII I II I I III II A What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Account information:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Descrip6on of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. IN.While you do not have to pay the amount In question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied Wirth Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin wrfdng at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance(-ADB")(including new transactions)of the Purchase.Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases.Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association ND,P.O. Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt If received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. W embank. NARLEY UNIDSON®V W I V May Statement for activity from Apr. 12,2012 through May 10,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 2 of 3 H IrFI�y t �rVI o 1�isa ��rt�alt���Tew ilxis Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 RedemptionActivity.............................................................................. 0 Points Activity StandardPoints........................................................-.............................................. 0 Points Activity Sub-total.... 0 PointsAvailable...................................................................................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. Tt�t113tl�ns� Post Trans Ref. Date Date Nbr Description of Transaction Amount Payments and,Other.Credits . . . . . . . . . . 04/16 ET PAYMENT THANK YOU......................................................... $100.00CR Fees Charged. 05/07 05107 LATE FEE-PAYMENT DUE ON 05/07..' '* 5107.................................. $35.00 TOTAL FEES FOR THIS PERIOD........................................... $35.00 Interest Charged 05110 INTEREST CHARGE ON PURCHASES................................. $39.86 TOTAL INTEREST FOR THIS PERIOD.................................. $39.86 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2012 Totals Year-to-0ate Total Fees Charged in 2012 $95.00 Total Interest Charged in 2012 $200.39 Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. . . . . . . . . . . . . . . . . . . . . . . I . . . . . . . . . . . . . . . . . . . Balance. Annual. Expires Balance. Suhjectto. Interest .Percentage . with . interest Balance Type By NO . Interest Rate Variable. . Charge. . : Rate Statement. Five Period BALANCE TRANSFER $6.75 $20.54 $0.00 0.00% 02/2013 NO BALANCE TRANSFER $923.08 $920.90 $2.18 2.99% 11/2012 NO BALANCE TRANSFER $1,860.91 $1,853.57 $7.34 4.99% NO BALANCE TRANSFER $932.50 $928.82 $3.68 4.99% NO PURCHASES $1,018.49 $1,007.30 YES $11.19 13.99% YES -BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO -PURCHASES $1,438.13 $1,392.48 YES $15.47 13.99% YES "ADVANCES $0.00 $0.00 YES $0.00 23.99% NO Continued on Next Page � a C bank. HARLEM DAVIDSMISr May Statement for activity from Apr. 12, 2012 through May 10,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 3 Interact.ChacgeCafeu la#on Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. ': Balance :4Arxtal .: EXp�res balance Subject to :: Werest. Percentage wnh.: interest Balance Type i3yType lnterestRate t/anable _ Charge ROW:: Statement Freepenoar. IrtQnt MessagEs IMPORTANT CARDMEMBER ALERT"'" We are concerned that we have not heard from you. Is everything OK? Your credit card PAYMENT HAS NOT BEEN RECEIVED and is late. We need to hear from you today because your account is currently past due. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to V1MMI.USBANK.COM and login or enroll in Internet Banking to review your payment options. Earn H-D Genuine Rewards points on all your monthly bills when you pay them with your H-D Visa Card. Use your H-D Visa Card to automatically pay bills like telephone,cable,utilities,insurance,and subscriptions.Its convenient, no-hassle way to make payments!Its simple to sign up for Automatic Bill Pay.Visit h-dvisa.com/paymybills for details. Thinking of selling your bike? If you've got a buyer,Harley-Davidson Financial Services has the financing program that could help you get the sale done. The Harley-Davidson Seller's Assist Program offers customized financing options to qualified applicants based on their needs.Visit your local Harley-Davidson dealer or hdfsi.com for more information. 'Not all applicants will qualify.Financing offers are subject to credit approval. Each time you or a third party on your behalf, pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. Tv�+rsr3tact u .re_gardin yoWf IXUn 43 9830#3 O'I67 X106 By Telephone: I-V Send Inquiries to: ® Send Payments to: Q Your Account Every Hourl Every Dayl Cardmember Service U.S.Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O.Box 790408 h-dvisa.com TDD: 1-888-352-6455 Fargo,ND 58125-6339 St. Louis, MO 63179-0408 Fax: 1-866-568-7729 End of Statement L bank. t ! HARLEY OADIOSOMW I June Statement for-activity from May 11,2012 through Jun. 12,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR BNK 578 07 Page 1 of 3 Your.Harley©avrdsoa(D Visa Signature@ card account at a glance . Account:::4358.830 .NS7._,0fi: _._.. .... ......... . ....... Activity Summary Payment Information Previous Balance.................... $6,179.86 New Balance........................... $6,261.09 Payments................................. $0.00 Minimum Payment Due(Current Month) $144.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $272.00 Purchases................................ $0.00 Total New Minimum Payment Due $416.00 Balance Transfers................... $0.00 Payment Due Date.................. Jul.07,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $272.00 minimum payment by the date listed above,you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $46.23 New Balance........................... $6,261.09 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in Revolving Line of Credit......... $6,300.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ None For example: Statement Close Date............. Jun. 12,2012 Das in Billing Cycle............... 33 If you make no . You will pay off . And you will additionalcharges the balance shown end up paying. . using this card and o6.this statement . in estimated each month you in about...'. . . . . . total of... a ..: Only the minimum 14 years $10,883 payment $201 3 years $7,243 (Savings=$3,640) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$6,261.09 by 07/07/12.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please prim out and send this portion of statement with payment to the address listed Imnk. 0743598300016751060000416000006261095 Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,261.09 Mnimum Payment Due: $416.00 To change your address or for Payinwme Oats EnterAtrmuM of:Paymerp:Endowd_::T -. Cardmember Service please call: - ` 1-800-699-2281 Every HourlEvery Day! Jul.07,2012 = _ 000000307 1 SP 106481642307810 E U.S.Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 STUMPSTOWN RD St. Louis, MO 63179-0408 MECHANICS13URG PA 17055-9602 t.t.I1Ir1IIIII1I1II1III1III1IIIIIIIrllrlttll IIIIIIIIIII,I,III,I�IIIIIIIIII'I'IIIIIIIII'lll'll'll'I'llllllllll IIIIIIIIIItIIrllll�ll n i What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O. Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Accountinformafion:Your name and account number. ►Dollaramount:The dollar amount of the suspected error. ►Descripdon of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance(-ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases.Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances forthose categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association ND,P.O. Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays. Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. C bank. ' NARLEY DAVIDSDN®VISA June Statement for activity from May 11,2012 through Jun. 12,2012 FRANKLIN J LYNCH SR Inquiries: 1-800-689-2281 Page 2 of 3 Har�l�yr vls�tt in Isiwll`tils Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 .................... Redemption Activity............................................................ 0 .................. Points Activity StandardPoints........................................................................................................ 0 Points Activity Sub-total.... 0 PointsAvailable............................................................... ... 854 .................... GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. TI~ IrtSaml�lt Post Trans Ref. Date Date Nbr Description of Transaction Amount . . . . . . Fees.Charged 107 06/07 LATE FEE-PAYMENT DUE ON 06/07.................................. $35.00 . . .......................... ................ TOTAL FEES FOR THIS PERIOD $35.00 Ihtetest Charfilw. 06/12 . .. $46.23 .; INTEREST CHARGE ON PURCHASES.................. $46.23 TOTAL INTEREST FOR THIS PERIOD................... ............... $46.23 2t)ig rotals Year-to-Date , Total Fees Charged in 2012 $130.00 Total Interest Charged in 2012 $246.62 In*ost_charge alculat on Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. Balance . . .Annual Expires. Balance Subject to Ynteres; Percentage With, interest Balance Type By Type /nterest.Rate. Variable . Charge Rate-, Statement . Free.Period BALANCETRANSFER $6.75 $6.75 $0.00 0.00% 0212013 NO BALANCE TRANSFER $925.57 $923.08 $2.49 2.99% 11/2012 NO BALANCETRANSFER $1,869.30 $1,860.91 $8.39 4.99% NO BALANCE TRANSFER $936.70 $932.50 $4.20 4.99% NO PURCHASES $1,031.37 $1,018.49 YES $12.88 13.99% YES -BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO^PURCHASES $1,491.40 $1,444.49 YES $18.27 13.99%^ADVANCES $0.00 YES . . ggb NO Continued on Next Page bank. HARLEM DAVIDSAIIrVI sA June Statement for activity from May 11, 2012 through Jun. 12,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 3 Impgdant Massage WE ARE HERE TO HELP Your account is past due.Do you need our help? We understand that you may be feeling the effects of the current economic challenges,and want you to know that we have NEW PAYMENT RELIEF PROGRAMS available to help. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.USBANK.COM and login or enroll in Internet Banking to review your new program options. Earn H-D Genuine Rewards points on all your monthly bills when you pay them with your H-D Visa Card. Use your H-D Visa Card to automatically pay bills like telephone,cable,utilities,insurance,and subscriptions.Its convenient, no-hassle way to make payments!Its simple to sign up for Automatic Bill Pay.Visit h-dvisa.comlpaymybills for details. Thinking of selling your bike? If you've got a buyer,Harley-Davidson Financial Services has the financing program that could help you get the sale done. The Harley-Davidson Seller's Assist Program offers customized financing options to qualified applicants based on their needs.Visit your local Harley-Davidson dealer or hdfsi.com for more information. Not all applicants will qualify.Financing offers are subject to credit approval. Each time you or a third party on your behalf, pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. cc React ra :rega>rdl:r>Eg y�t��account 4359 8300 01'67 5lQ6: . By Telephone: Send Inquiries to: ® Send Payments to: © Your Account EveryHourl EveryDayl Cardmember Service U.S. Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O.Box 790408 h-dvisa.com TDD: 1-888-352-6455 Fargo,ND 58125-6339 St.Louis, MO 63179-0408 Fax: 1-866-568-7729 End of Statement bank. t NARLEY DAVIDSDN®VISA July Statement for activity from Jun. 13,2012 through Jul. 12,2012 FRANKLIN J LYNCH SR Inquiries: 1-800-689-2281 1�ourHaifey Davidson®Visa Slgnature�card acc'iunt at a glance K a o7 Page 1 of 3 14CCount 4359-$3QQ 046i�5406: FActivitymary Payment Information ce.................... $6,261.09 New Balance..... .......... ................ $6,338.91 $0.00 MinimumPayment Due(Current Month) $141.00 ......................... $0.00 Minimum Payment Due(Past Due) $416.00 ses.........rs................... $0.00 Total New Minimum Payment Due $557.00 Balance Transfers................... Advances................................ $0.00 Payment Due Date.................. Aug. 07,2012 . $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $416.00 minimum payment by the date listed above, you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $42.82 New Ba ante........................... $6,3311-9-1 Minimum Payment Warning:If you make only the minimum more in Revolving Line of Credit......... $6,300.00 interest and It payment take youelo ger to pay ou will off your balance. Revolving Line Available........ None For example: Statement Close Date............. Jul. 12,2012 Days in BillingCycle............... 30 . you.make.no You will pay off . And you will additional,charges the balance shown end up paying. using this card and on.this statement. . . an.estimated. each month you in about... . tatal.of.:_ . a .... . Only the minimum 14 years $10,924 a men' $203 3 years (S:S7,342 ngs=$3,582) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$6.338.91 by 08/07/12.Any cash balance orbalance transferbalance will continue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please printout and send this portion of statement with payment to the address listed Imnk. 0743598300016751060000557000006338918 Your Account Number. 43598300011675106- Minimum Payment Due; $557.00 Total New Balance: $6,338.91 To change your address or for � Cardmember Service please call: payi'e t Dve Date Enter::AmnuM:of:PaYrtterM:fnclgsed:; 1-800-699-2281 Every Hourl Every Day! Aug.07,2012 000000317 1 SP 1 06481 68651 7089 E U.S.Bank FRANKLIN J LYNCH SR 284 S P.O. BOX 790408 MECHANICANICSBURG PA 17055-9602 RD St.Louis, MO 63179-0408 RG I�II�'�It�ll��ll�n�I�Ilul�tlll�llllllll�'I�'��II��IIIII"111'11 illllull�'IIII�I�'�Ilttl'�'1'1111111,11,111,1�1�1�ll�ll,llll,�� What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O. Box 6335,Fargo,NO 58125-6335. In your letter or call,give us the following information: ►Account information:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believeit a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the is following are true: lo-We cannot try to collect the amount in question,or report you as delinquent on that amount. b-The charge in question may remain on your statement,and we may continue to chae you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest rgrgor other fees related to that amount. ►While you do not have to pay the amount In question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,NO 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance("ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases.Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtractingan Account balances that day.We add a Purchase,Advance or Balance Transfer to the apppriate ba balances for hose cments or credits ategoriesonlied the later of the transaction date or the first day of the statement period.Billed but unpaid interest on PurchasesAdvances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to U.S.Bank National Association ND. Use the enclosed return envelope to mail your payment to: U.S.Bank National Association NO,P.O. Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt If received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. bank. Ro NARLEY DAUIDSDN®VISr NN July Statement for activity from Jun. 13,2012 through Jul. 12,2012 FRANKLIN J LYNCH SR Inquiries: 1-800-699-2281 Page 2 of 3 Hr�e �amdson Visa • .. .: .. 11tJ11'E�Rrl31ii1`e'1i`trlS ::. Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement..................... ..................................... 854 Redemption Activity................... ....................................................... Points Activity 0 Standard Points.................................... Points Available....................... Points Activity Sub-total.... ..............I....................I................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. TrrtsGfiion711 Post Trans Ref. Date Date Nbr Description of Transaction Amount Fees Charged 07/09 07/07 LATE FEE-PAYMENT DUE ON 07/07................................. ....................................... . TOTAL FEES FOR THIS PERIOD $35.00 inEetesE Gha $35.00 t'ged 07!12 INTEREST CHARGE ON PURCHASES................................. TOTAL INTEREST FOR THIS PERIOD.................................. $42.82 $42.82 $012 Totals Year-to,E3ate Total Fees Charged in 2012 Total Interest Charged in 2012 $165.00 $289.44 interest Charge: alculattgn Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Type Balance Subject to Interest Percetita e By Type. Interest Rate Variable . .Cha e 9 with Interest r9 Rate . .Statement. . Free.Period, BALANCE TRANSFER $6.75 $6,75 BALANCE TRANSFER $927.84 $928.57 $2.27 2.99%$0'00 0.99% 02/2013 NO BALANCE TRANSFER $1,876.96 $1,869.30 11/2012 NO BALANCE TRANSFER $940.54 $7'66 4'99% NO PURCHASES $1,043.22 $936.70 $3.84 4.99% NO "BALANCE TRANSFER $1,031.37 YES $11.85 13.99% YES $0.00 $0.00 YES $0.00 13.99% PURCHASES $1,543.60 $1,496.06 YES NO "ADVANCES $0.00 $0.00 YES $17 13'99% YES $0.00 23.99% NO Continued on Next Page n n C bank. ' ' HART - Y DAVIDSIN VISA July Statement for activity from Jun. 13, 2012 through Jul. 12,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR trnpPage 3 of 3 7 77 0rtan#Message NEW PAYMENT RELIEF OPTIONS NOW AVAILABLE'*' Act nowl We have new payment relief options that could lower your monthly payment, lower your interest rate,and waive over the limit and late fees. We can't help unless you talk to us. PLEASE CALL TODAY at 1-866-951-3862 or GO ONLINE to WWW.USBANK.COM and login or enroll in Internet Banking to review your new program options. Earn H-D Genuine Rewards points on all your monthly bills when you pay them with your H-D Visa Card. Use your H-D Visa Card to automatically pay bills like telephone,cable,utilities, insurance,and subscriptions. It's convenient, no-hassle way to make payments!Its simple to sign up for Automatic Bill Pay.Visit h-dvisa.com/paymybills for details. Thinking of selling your bike? If you've got a buyer,Harley-Davidson Financial Services has the financing program that could help you get the sale done. The Harley-Davidson Seller's Assist Program offers customized financing options to qualified applicants based on their needs.Visit your local Harley-Davidson dealer or hdfsi.com for more information. `Not all applicants will qualify.Financing offers are subject to credit approval. H-D Visa Cardmember Service-available to you 24 hours a day,7 days a week.Call us anytime at 1-800-699-2281. From checking on your balance to needing help during times of special credit needs such as moving or traveling,we're here to assist you whenever you need us.And that's a guarantee! Each time you or a third party on your behalf,pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. e cc�ntacl€r r cegat rng y0r c ae.ount 4359 830a fl 167:5'f 06. By Telephone: Send Inquiries to: ® Send Payments to: Your Account EveryHourl EveryDayl Cardmember Service U.S.Bank Voice: 1-800-699-2281 P.O.Box 6339 Online: 08 TDD: 1-888-352-6455 Fargo, ND 581256339 St.. Louis, M0463179-0408 h-dvisa.com Fax: 1-866-568-7729 End of Statement y " bank. <' HARLEY DAVIDSON"VISA! August Statement for activity from Jul. 13,2012 through Aug. 10, 2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR BNK 8 07 Page 1 of 3 Your:Harley Davidson®Vrsa Slgnaturee.cald account at:a glance:::: :. .... ... Account;43-5.9.8300-0167-6106 Activity Summary Payment Information Previous Balance.................... $6,338.91 New Balance........................... $6,416.07 Payments................................. $0.00 Minimum Payment Due(Current Month) $141.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $557.00 Purchases................................ $0.00 Total New Minimum Payment Due $698.00 Balance Transfers................... $0.00 Payment Due Date.................. Sep.07,2012 Advances................................. MOO Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $557.00 minimum payment by the date listed above,you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $42.16 New Balance........................... $6,416.07 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in Revolving Line of Credit......... $6,300.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ None For example: Statement Close Date............. Aug. 10,2012 Days In Billing Cycle............... 29 If you_make,no You will payoff . And you will additionalcharges the balance shown end up paying. . using this card and on.this statement an.estimated. each month you in about... . total of.... . a Only the minimum 14 years $10,965 payment $2061 i 3 years $7,439 (Savings=$3,526) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional tees and interest charges on your purchase balance,pay the total new balance of$6,416.07 by 09/07112.Any cash balance or balance transfer balance will continue to accrue daily interest until the date yourpayment is received. Continued on Next Page Make a payment online OR Please print out and send this portion of statement wRh payment to the address listed bank 0743598300016751060000698000006416078 Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,416.07 Minimum Payment Due: $698.00 To change your address or forM6 Pa en€ -Date Cardmember Service please call: . .... EnterAnrowtt orPagt7reM Enclosed ,- --------------------- 1-800-699-2281 Every Hour!Every Day! Sep.07, 2012 000000332 1 SP 106481729409191 E U.S.Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 STUMPSTOWN RD St.Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 �rrl�ll���l�l'�'IIT'I'��rlllr�lrl�ll�lllrrllllr"I��II'��"I'll What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O. Box 6335,Fargo,NO 58125-6335. In your letter or call,give us the following information: ►Account information:Your name and account number. ►Dollar amount.The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied Wdh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,NO 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("OPR")by the Average Daily Balance("ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases,Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances forthose categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association NO,P.O. Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. embank. HARLEM DAVID$ON®'VI$Ar August Statement for activity from Jul. 13,2012 through Aug. 10,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 2 of 3 Harlan Ilindson +Gert�i reg t +avvlrxis_ Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 Redemption Activity.............................................................................. 0 Points Activity StandardPoints........................................................................................................ 0 Points Activity Sub-total.... 0 PointsAvailable...................................................................................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. T_. ......... . .... ..... . .. ....... .... ._..... _.......... .. ..._.._.... ...._....... _...._. ... . ......_... ......._........ ...._ Post Trans Ref. Date Date Nbr Description of Transaction Amount Fees Charged. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08/07 08/07 LATE FEE-PAYMENT DUE ON 08/07.................................. $35.00 TOTAL FEES FOR THIS PERIOD........................................... $35.00 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . tntete'st Charged :. 08110 INTEREST CHARGE ON PURCHASES................................. $42.16 TOTAL INTEREST FOR THIS PERIOD.....I.........I.................. $42.16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2012 T as l�ear�fo=Date: Total Fees Charged in 2012 $200.00 Total Interest Charged in 2012 $331.60 InterestCharge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Balance ...........Annual . Expires. . Balance Subject to Interest "Percentage with Interest " Balance.rype By Type. interest.Rate. . .VarlaWe Charge . Rate. .statement . Free.Period. BALANCE TRANSFER $6.75 $6.75 $0.00 0.00% 02/2013 NO BALANCE TRANSFER $930.04 $927.84 $2.20 2.99% 11/2012 NO BALANCE TRANSFER $1,884.40 $1,876.96 $7.44 4.99% NO BALANCE TRANSFER $944.26 $940.54 $3.72 4.99% NO PURCHASES $1,054.81 $1,043.22 YES $11.59 13.99% YES —BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO -PURCHASES $1,595.81 $1,548.42 YES $17.21 13.99% YES -ADVANCES $0.00 $0.00 YES $0.00 23.99% NO Continued on Next Page bank. NAKEY DAUIDSAN®VISA® August Statement for activity from Jul. 13, 2012 through Aug. 10, 2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 3 �MpOrtan. M SSag ITS NOT TOO LATE*" It's not too late to get help and protect your credit rating. You can stop the collection calls and get the payment relief you need today PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.USBANK.COM and login or enroll in Internet Banking to review your options. Each time you or a third party on your behalf,pays your bill by personal check,you authorize us to convert that payment into an electronic debit.If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. To ddntad ua:regarding y�tJ r accent 43.59 83Q8 D 18 5108 �-a � By Telephone: Send Inquiries to: Send Payments to: © Your Account Every Hour!Every Day! Cardmember Service U.S.Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O. Box 790408 h-dvisa.com TDD: 1-888-352-6455 Fargo,ND 58125-6339 St.Louis, MO 63179-0408 Fax: 1-866-568-7729 End of Statement i u I 1 bank. i;i HARLEY DAVIDSDNIISA! September Statement for activity from Aug. 11,2012 through Sep. 12,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR BNK 8 07 Pagel of 3 Your Harley Davidson®_Visa Signatures Card account ata glance Account:4359$300 Diff 5106. Activity Summary Payment Information Previous Balance.................... $6,416.07 New Balance........................... $6,499.93 Payments................................. $0.00 Minimum Payment Due(Current Month) $147.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $698.00 Purchases.................... ........._ $0.00 Total New Minimum Payment Due $845.00 Balance Transfers................... $0.00 Payment Due Date.................. Oct.07,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $698.00 minimum payment by the date listed above,you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $48.86 New Balance........................... $6,499.93 Minimum Payment Warnings If you make only the minimum payment each period,you will pay more in Revolving Line of Credit......... $6,300.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ None For example: Statement Close Date............. Sep. 12,2012 Days in Billing Cycle............... 33 Ifyou.make.no You will payoff . And you will additionalcharges the balance shown end up paying. . using this card and on this statement an.estimated. each month you in about.... total of.:. Only the minimum 14 years $11,012 payment $209 3 years $7,545 (Savings=$3,467) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional lees and interest charges on yourpurchase balance,pay the total new balance of$6,499.93 by 10/07/12.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please print out and send this portion of statement with paymentto the address listed bank 0743598300016751060000845000006499936 Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,499.93 Minimum Payment Due: $845.00 To change your address or for Payment.IIiie Date ,__._,._..._, ..Enter,4ntouMorPayrtreMfndosed: � Cardmember Service please call: 1-800-699-2281 Every Hour!Every Day! Oct.07,2012 000000328 1 SP 106481775704804 E U.S.Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 STUMPSTOWN RD St. Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 I I r l I I Ir IIII I l t III III I t IIIIhIhIIIIrIIIIdnIIrIIItlPdlllrlllhllllrllllhltllll,III I Illul I III I II u l l lul u l m I I II I III IIII I What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Accountinformafion:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance("ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases.Advances and Balance Transfer categories.To get the ADB in each category,we add togetherthe daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases.Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association ND,P.O.Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays. Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. v 1 I bank. <I BARLEY DAVIDSIIrVIW t V September Statement for activity from Aug. 11,2012 through Sep. 12,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 2 of 3 Warll�y Davldson ttlrt R�war><is Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 RedemptionActivity.............................................................................. 0 Points Activity StandardPoints........................................................................................................ 0 Points Activity Sub-total.... 0 PointsAvailable...................................................................................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. Post Trans Ref. Date Date Nbr Description of Transaction Amount Fees Charged . . . . . 09/07 09/07 LATE FEE-PAYMENT DUE ON 09/07................................. $35.00 TOTAL FEES FOR THIS PERIOD........................................... $35.00 Interestitttarged: 09/12 INTEREST CHARGE ON PURCHASES................................. $48.86 TOTAL INTEREST FOR THIS PERIOD.................................. $48.86 20iZ i`otals Year-to=ETate Total Fees Charged in 2012 $235.00 Total Interest Charged in 2012 $380.46 IMerest:Char9e:1 a culatiora _. Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. . .. Balance . . : . Annual Expires. . . Balance . . S.es(RUbjoc.t to Ynterest Percentage with Interest Balance.Type By. Type Inteate Yarlable . :Charge Rate . .Statement. .Free:Period. BALANCETRANSFER $6.75 $5.75 $0.00 0,00% 0212013 NO BALANCE TRANSFER $932.55 $930.04 $2.51 2.99% 1112012 NO BALANCE TRANSFER $1,892.90 $1,884.40 $8.50 4.99% NO BALANCE TRANSFER $948.51 $944.26 $4.25 4.99% NO PURCHASES $1,068.15 $1,054.81 YES $13.34 13.99% YES -BALANCE TRANSFER $0.00 $0.00 YES $0,00 13.99% NO -PURCHASES $1,651.07 $1,602.17 YES $20.26 13.99% YES -ADVANCES $0.00 $0.00 YES $0.00 23.99% NO Confined on Next Page bank. NARLEY DAVIDSDN®VISir September Statement for activity from Aug. 11, 2012 through Sep. 12, 2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 3 Imponint £SSd� . .. SERIOUS COLLECTION ACTION ALERT""" This is your LAST CHANCE to avoid more serious collection action. We have very attractive settlement and reduced interest/payment programs available. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.USBANK.COM and login or enroll in Internet Banking to review your new program options. Each time you or a third party on your behalf, pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. da-riRtact us regard►lltg your account -43....59....,..8. 300..D'f6;7 .1....0...6 .9 By Telephone: Send Inquiries to: ® Send Payments to: ® Your Account EveryHourt EveryDayf Cardmember Service U.S.Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O.Box 790408 h-dvisa.com TDD: 1-888-352-6455 Fargo,ND 58125.6339 St. Louis, MO 63179-0408 Fax: 1-866-568-7729 End of Statement , t r. bank. hi NARLEY 11RIDSON®YISIr October Statement for activity from Sep. 13,2012 through Oct. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR BNK a 07 Pagel of 3 Your Haftev-Davidson®Visa Signature&-Card account at a glance :. . A, 00 0'[67 5TOO Activity Summary Payment Information Previous Balance.................... $6,499.93 New Balance........................... $6,578.66 Payments................................. $0.00 Minimum Payment Due(Current Month) $142.00 Other Credits........................... $0.00 Minimum Payment Due(Past Due) $845.00 Purchases.....—........................ $0.00 Total New Minimum Payment Due $987.00 Balance Transfers................... $0.00 Payment Due Date.................. Nov.07,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $845.00 minimum payment by the date listed above,you may have Fees Charged......................... $35.00 to pay up to a$35.00 Late Fee. Interest Charged.................... $43.73 New Balance........................... $5,578.66- Minimum Payment Warning:If you make only the minimum payment each period, you will pay more In Revolving Line of Credit......... $6,300.00 interest and it will take you longer to pay off your balance. Revolving Line Available........ None For example: Statement Close Date............. Oct. 11,2012 Das in Billing Cycle............... 29 If you.make.no . You will pay.off And you will additional.charges the balance shown end up paying. . using this card and. on. this statement an.estimated. . each month you in about..:. total.of.:. . Only the minimum 13 years $11,062 payment $212 3 years $7,645 (Savings=$3,417) If you would like information about credit counseling services,call 866-951-1391. To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$6,578.66 by 11/07/12.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. Continued on Next Page Make a payment online OR Please print out and send this portion of statement with payment to the address listed embank. 0743598300016751060000987000006578661 Your Account Number. 4359 8300 0167 5106 Total New Balance: $6,578.66 Nfinimum Payment Due: $987.00 To change your address or for Payment.poe Date Ene ter.A.rrmuM:of:Paymrit Endriserf , . .,. Cardmember Service please call: --------------------------- 1-800-699-2281 .. ---1-800-699-2281 Every Hourl Every Dayl Nov.07,2012 000000343 1 SP . 106481819960580 E U.S.Bank FRANKLIN J LYNCH SR P.O. BOX 790408 284 STUMPSTOWN RD St.Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 t II �hltll It II t I I I� r Ilt h I I It I n Jill ltlml111lrlh111111n11i11,n11111111htllrll111111rlr1P11 1 III II m lul II I II IIIII I l l l d u 11 What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Account information:Your name and account number. ►Dollar amount.The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance('ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases,Advances and Balance Transfer categories.To get the ADB in each category,we add togetherthe daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categorieson the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to U.S.Bank National Association ND.Use the enclosed return envelope to mail your payment to: U.S.Bank National Association ND,P.O. Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day.Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by U.S.Bank and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. bank. HAILEY DAVIDSDN®VISAr 1 October Statement for activity from Sep. 13,2012 through Oct. 11,2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 2 of 3 Hrtier D; lvadson lfaa Cnurns�Rwvalntis ... .............. .. ..... .. .. ........................................................................................................................................................... Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement.......................................................... 854 RedemptionActivity.............................................................................. 0 Points Activity StandardPoints........................................................................................................ 0 Points Activity Sub-total.... o PointsAvailable...................................................................................... 854 GENUINE REWARDS POINTS EXPIRE ON DECEMBER 31,3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption at 1-800-699-2281. Post Trans Ref. Date Date Nbr Description of Transaction Amount Fees Charged . . . . . . . . . . . . _ . 10/09 10107 LATE FEE-PAYMENT DUE ON 10107.—.................... ......... $35.00 TOTAL FEES FOR THIS PERIOD........................................... $35.00 InteresE G h' 10/11 INTEREST ... .................... CHARGE ON PURCHASES................................. $43.73 TOTAL INTEREST FOR THIS PERIOD.................................. $43.73 2012 Totals Year-to;Da#e� Total Fees Charged in 2012 $270.00 Total Interest Charged in 2012 $424.19 .Into Charge twahculation . Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. Balance .Annual . . Expires. . . . .. Balance SubJectto Interest Percentage with interest Balance type. By Type. Interest.Rate. Variable :Charge . . . . . Rate . .Statement. . Free Period. BALANCE TRANSFER $6.75 $6.75 $0.00 0.00% 02/2013 NO BALANCE TRANSFER $934.76 $932.55 $2.21 2.99% 11/2012 NO BALANCE TRANSFER $1,900.40 $1,692.90 $7.50 4.99% NO BALANCETRANSFER $952.27 $948.51 $3.76 4.99% NO PURCHASES $1,080.02 $1,068.15 YES $11.87 13.99% YES "BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO -PURCHASES $1,704.46 $1,654.69 YES $18.39 13.99% YES -ADVANCES $0.00 $0.00 YES $0.00 23.99% NO Continued on Next Page r bank. HARLEM DAVIDSOIIrVISW October Statement for activity from Sep. 13, 2012 through Oct. 11, 2012 Inquiries: 1-800-699-2281 FRANKLIN J LYNCH SR Page 3 of 3 [Important MesSAes . _:.,::..... 9 _ . . . —THERE IS A BETTER WAY TO FIX THIS PROBLEM Your account is scheduled to be charged-off as a bad debt and we will be forced to report it to the national credit bureaus,which can stay on your credit report for as long as 7 years. We really don't want that to happen. PLEASE CALL US IMMEDIATELY to discuss your options at 1.866-951-3862 or VISIT US ONLINE at WWW.USBANK.COM. Each time you or a third party on your behalf,pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. Q cQnfae7€us:regarding your account 4359 830 .D't67 5106 . . _ .. . . . By Telephone: 0 Send Inquiries to: CO Send Payments to: © Your Account Every Hour!Every Day! Cardmember Service U.S.Bank Online: Voice: 1-800-699-2281 P.O.Box 6339 P.O. Box 790408 h-dvisa.00m TDD: 1-888-352-6455 Fargo, ND 58125.6339 St. Louis, MO 63179-0408 Fax. 1-866.568-7729 End of Statement bank. NARLEY DAVIDSON®VIS)r November 2012 Statement Page 1 of 3 Open Date: 10/12/2012 Closing Date: 11/30/2012 Account:4359 8300 0167 5106 Harley-Davidson®Visa Signature4 Card Cardmember Service 1-800-699-2281 FRANKLIN J LYNCH SR BNK 35 N11n� B #alte $ , � Activity Summary lla#1tmUtYT F !Ft3ettt Dtte $ OC# Previous Balance + $5,315.41 'Byrt€I�t1t SUB Rt+ Payments $0.00 Other Credits - $5,238.75cR L,ACePYltel►tWaKtling� kfWed4.tltl�Ce►vyt Purchases $0.00 �rxrliMU paymett:bythe date listed above;yvu may ha€ve: Balance Transfers $0.00 bo'p8yu ita,�t3�95 AQ Lata Far3 Advances $0.00 Other Debits $0.00 Fees Charged - $328.04cR Interest Charged - $1,011.87cR New Balance = $5,238,75 Past Due $0.00 Minimum Payment Due $0.00 Revolving Line of Credit None Revolving Line Available None Days in Billing Period 50 Payment Madpayment coupon . Pay online at /' Pay by phoneq Pay at your local m Options: vrith a check h-dvisa.co {1 1-BW-69&2281 I/1, U.S.Bank branch Please detach and send coupon with check payable to:U.S.Bank 0743598300016751060000000000005238757 Imnk. Account Number 4359 8300 0167 5106 Payment Due Date 1225/2012 24-Hour Cardmember Service: 1-800-699-2281 New Balance $5,238.75 +1 .to pay by phone Minimum Payment Due $0.00 to change your address Amount Enclosed $ 000004831 1 SP 106481893132342 S U.S. Bank FRANKLIN J LYNCH SR P.O. Box 790408 284 HANICSBURGTOWN A St.Louis, MO 63179-0408 MECHANICSBURG PA 17055-9602 Jill d11I1Ik1Jlrll'1'1I111r1ulkrl1l1lklrll��k�ll�l�llkl�ll�illl 11II"111-1 Hill'I'�I��I���II�"I 111111II'�'Irlldllldl�ll��l„ What To Do It You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the firor t of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Accountinformadon:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Descrfpfion of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied Nth Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,arid 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 purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in w'ing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335 While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent, Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance("ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases,Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the nut iber of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(includir g any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any pi yments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate )alances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purcha s,Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unF aid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed bu unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they ai e charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date hey are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account tt at accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Pu hases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account. Prior statement balan s subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the A B calculation. 2. Payment Information: You must pay us in U.S.Dollars with checks or similar payment instrur ents drawn on a financial institution located in the United States. We will also accept payment in U.S.Dollars via the Internet or phone or previously established automatic payment transaction. We may,at our option,choose to accept apayment drawn on a foreign financial insti ution. However,you will be charged and agree to pay any collection fees required in connection with such a transaction. The date you mai a payment is different than the date we receive that payment. The payment date is the day we receive your check or money order at U.S Bank National Association ND,P.O.Box 790408,St.Louis,MO 63179-0408 or the day we receive your electronic or phone payment.All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to yourkr-count on the day of receipt if received by 5:00 p.m.CT on any banking day.Mailed payments that do not Include the payment coupon and! r are mailed to a different address will be processed within 5 banking days of receipt and credited to your Account on the day of receipt.In ddition,if you mail your payment without a payment coupon or to an incorrect address,it may result in a delayed credit to your Account,addil tonal INTEREST CHARGES,fees,and possible suspension of your Account.Internet and telephone payment options are available,and c rediting times vary(but generally must be made before 5:00 p.m.CT to 8 p.m.CT depending on what day and how the payment is made). I you are making an Internet or telephone payment,please contact Cardmember Service for times specific to your Account and your paymei it option. Banking days are all calendar days except Saturday,Sunday and federal holidays.Payments due on a Saturday,Sunday or federal h 3liday and received on those days will be credited on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late paymen s,missed payments or other defaults on your Account may be reflected in your credit report. 9 � bank. ,� NARLEY DAVIDSONOVIS1l� I November 2012 Statement 10/12/2012-1113012012 Page 2 of 3 FRANKLIN J LYNCH SR Cardm tuber Service C 1-800-699-2281 Eltif�{It817t Me55Bg ji We understand that our cardmembers impacted by Hurricane Sandy have special needs during this difficult time. If you are one of those affected, please call Cardmember Service r questions or assistance.We appreciate your business and are here to support you. Each time you or a third party on your behalf, pays your bill by personal check,you authorize us to convert that payment into an electronic debit. If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. raAS a Ctlt)n 5:......: ..... Payments and Other Credits Post Trans Date Date Ref# Transaction Description Amount 11/30 CHARGE OFF $5,238.75CR TOTAL THIS PERIOD $5,238.75CR Fees Post Trans Date Date Ref# Transaction Description Amount 11/30 REVERSAL OF LATE PAYMENT FEE $270.00CR 11/30 REVERSAL OF OTHER FEES AT CHARGE OFF $58.04CR TOTAL FEES THIS PERIOD $328.04CR Interest Charged Post Date Transaction Description Amount 11/30 INTEREST REVERSAL $1,011.87CR TOTAL INTEREST THIS PERIOD $1,011.87CR Zi112 Totat Year-to-t)ate Total Fees Charged in 2012 $ 8,04CR Total Interest Charged in 2012 $5 7.68CR anter�st:�harge:Catculatton-: ... . ... ... Your Annual Percentage Rate(APR)is the annual interest rate on your acco unt. **APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Interest Balance Type By Type Interest Rate variable Charge Rate Statement Free Period BALANCE TRANSFER $6.75 $6.75 $0.00 0.00% 0212013 NO BALANCE TRANSFER $934.76 $934.76 $3.82 2.99% 11/2012 NO BALANCE TRANSFER $1,900.40 $1,900.40 $12.99 4.99% NO BALANCE TRANSFER $952.27 $952.27 $6,50 4.99% NO PURCHASES $1,080.02 $1,080.02 YES $20.69 13.99% YES Continued on Next Page bank. �< HARLEY DAVIDSON"vlsJ November 2012 Statement 10/12/2012-11/30/2012 Page 3 of 3 FRANKLIN J LYNCH SR Cardmember Service C 1-800-699-2281 tn�Esrelt Charge Calitltttlpfk'' Your Annual Percentage Rate(APR)is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Interest Balance Type By Type Interest Rate Variable Charge Rate Statement Free Period "BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO —PURCHASES $1,704.46 $1,704.46 YES $32.66 13.99% YES $0.00 YES $0.00 23.99% NO To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of $5,238.75 by 12/25/12.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. ................................... CPhone Questions LLLJ Mail payment coupon Online Voice: 1-800-699-2281 Cardmember Service U.S.Ba kid a check TDD: 1-888-352-6455 P.O.Box 6339 P.O.Box 790408 h-dvisa.com Fax: 1-866-568-7729 Fargo,ND 58125-6339 St.Louis,MO 63179-0408 End of Statement EXHIBIT B CERTIFICATE OF PURCHASE I, hereby depose and state that: 1. I am an Authorized Agent of CACH, LLC,a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate,and possess sufficient personal knowledge to do so regarding: Customer Name: FRANKLIN J LYNCH Original Creditor: US BANK Account Number: 4359830001675106 3. On or about December 6,2012 this account was sold by the creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Da B Sworn and subscribed to before me this day of [:C 2014. Notary Public 1 1 II 1. BILL OF SALE AND ASSIGNMENT OF ASSETS The undersigned Assignor ("Assi no•") hereby absolutely sells, transfers, assigns, sets-over,quitclaims and conveys to CACH, LLC, a limited liability company organized under the laws of Colorado("Assign"')on an"AS IS"and"WITH ALL FAULTS"basis, without recourse and without representations or warranties of any type,]chid,character or nature, express or implied, all of Assignor's right, title and interest in and to each of the assets identified on the Tape (the "Assets"),together with the right to collect all principal,interest or other proceeds of any kind with respect to the Assets remaining due and owing as of the date hereof(including but not limited to proceeds derived fiom the conversion, voluntary or involuntary, of any of the Assets into cash or other liquidated property, including, without limitation, insurance proceeds and condemnation awards),from and after the date of this Bill of Sale and Assignment of Assets on die terms set forth in that certain Forward Flow Asset Purchase and Sale Agreement dated as of November 13,2012. DATED: December 10,2012 Lot Number Number of Accounts Balance Lot 1205 ASSIGNOR: U.S. tionnl Association ND By: Nam (P int : Joel ebniann Title: .V e Pre dent By: Name(pit : gtevcn Stamper Title: VP of Recovery AFFIDAVIT OF CLAIM AND CERTIFICATION OF AMOUNT DUE -STATE OF MISSOURI } )ss: COUNTY OF ST.LOUIS ) ACCOUNT HOLDER: FRANKLIN J LYNCH SR ACCOUNT NUMBER: 4359830001675106("Account") dge; being duly sworn, states and deposes as follows: The undersigned, Tamara Lockri 1. That Affiant is employed by U.S. Bank National Association ND, a national banking association ("the Bank'D, in the position of Recovery Adiuster • and is duly authorized to make the statements and representations herein. 2. That one of Affiant's responsibilities is to serve as keeper of the books and records of the Bank,which are kept under the Bank's control. 3. Upon request by the buyer the Bank will make a good faith effort to locate the original credit card application for the account. If the Bank is unable to locate the original credit card application, the Bank will have determined that the original credit card application has been destroyed or is no longer accessible to the Affiant. If the original is subsequently discovered,it will he submitted to the court for review. 4. That the statements made in this Affidavit are based on the computerized and hard copy books.and records.of the Bank, which are maintained in the regular course of the Bank's business,with the entries in them having been made at or near the time of the transaction recorded. 5. That by Bill of Sale and Assignment of Assets dated 12/10/2012, the Account, among others,was sold to CACH.LLC. 6. That as.a result of the sale of the Account,CACH.LLC and/or its authorized agent, is the creditor of the Account with complete ownership and authority to settle, adjust, compromise, and satisfy the Account, and the Bank has no further ownership interest in the Account for any purpose. 7.. That the Account was opened in November of 2004 by FRANKLIN J LYNCH SR, whose social security number is X)5 -XX-4947. S. That at the time the Bank sold the Account to CACH:LLC,the balance showing on the books and records of the Bank was$6.578.66, including legally chargeable interest,with the last payment date showing as 4/16/2012. Affidavit(USB sold) 2 of the Bank 9. That the books and records further to the Account such that the amount shown as due and payments or offsets attributable owing is true and correct. FURTHER AFFIANT SAYETH NOT. ti U.S..Bank i Associatio By: Title: Recove Ad'uster Subscribed and sworn to before me this �a__day of I'7U01i— 2013, byTamara Lockd4g as Recovery Adjuster of U.S.Bank National Association ND. (Notary Seal) No ECOmmnOjon YRONE BROOKS Public-Notary Seal issouri,St Louis County # 13430154 sion Expires Jan 1,2017 Affidavit(USB sold) 3 ti s EXHIBIT C U.S. Bank National Association ND Page 1 of 7 P. 0 Box 6352 Fargo, ND 58125-6352 ''�II�"I'IITI'VIII'��I��'Illlr�ll��il��ll�l�llrlrlllll�llll�l' 000005339 1 MB 0.382 106481572239432 P LYNCH SR,FRANKLIN J 284 STUMPSTOWN RD MECHANICSBURG PA 17055-9602 Harley-Davidson®Visa Signature®card Agreement us or our affiliates. This is a cardmember agreement and disclosure statement("Agreement")between you 6.Paying and Stopping Payment on Convenience Checks:You must use the number with an and U.S. Bank National Association ND containing the terms that will apply to your and address provided a the Lost or Stolen Card or Other Information section to request Harley-Davidson®Visa Sigonut re tic rd" Account Card means("Account") ach individeffective ual acceril 26,pting a otral at stop paymentnt be erequest and then provide usd on a Convenience ew You watt nt colnfirmt on promptly restop ceive In this Agreement,"you","y solicitation or applying for the Account or othervvise agreeing to be responsible for the payment request within 14 calendar days.Any written stop payment request we receive Account.n or applying and"our means U.S.Bank National Association ND,the issuer of will remain in effect for 6 months,unless you renew the request in writing before the end the Card and your Account creditor.Please read this Agreement carefully and keep it in of that time. We may pay Convenience Checks more than 6 months old.There may be a safe place to make the best use of the credit cards we issue with this Account circumstances under which a Convenience Check must liable paid, even if we have aat a Card").The Agreement becomes effective as soon as you or someone authorized by received a stop payment request froder m you.those circumstances will not liable is you if we dt not payment request un, you uses the Card or Account,but no later than 30 calendar days after va issue and consequential honor your .pun shoulditive or have ee damages 'rf we acted in Igoodefaith1nOurhonly you fail to return the Card.In addition to this Agreement,there are also relevant Account Convenience Check should have been paid,but was not,ed will not be liable for any disclosures on your Card carrier. obligation under those circumstances will be to pay the designated payee the amount of ThisAgreement ment contains on is important arbitration provision ovi the ent re Arbitration talion Provision result of any wrongful failure ta class action the Convenience Check and o honolrthe Convenience charges Check. ssed against your Account as a a permit you to transfer balances and obligations that you section carefully. 7.Balance Transfers:We may p ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT owe other companies or financial institutions to your Account,subject to the terms and conditions disclosed in the Offer Materials("Balance Transfers"). Balance Transfers to your Account be tely ed on unt statements as 1. Personal Use: You may use the Account only for personal, family or household will a Bala asa Transfer, or,a Purchase or andAdvanceng raWe wipon flentconnect on wl ith ny Balance Transfer purposes. Federal or state consumer protection laws may not apply 'rf you use the offer make,provide you wi hl materials that explain how hffer may post e Baa ce Transfount er we ill Account for other than personal,family,or household purposes. 2.Purchases: You may use the Account to buy,lease or otherwise obtain goods or post to your Account and be reflected on monthly Account statements.You may o services from participating merchants (including transactions you initiate by mail, request Balance Transfers ferthat existing obligations you owe us exceeduse your Account to our affiliates. If you est the entire Balance Transfer requested to your Account; telephone or over the Internet), or take advantage of special promotional Balance requ est onl loot ortionsof theaBalaentirence aancfer re ra sfer re youAccount up t Limit,he Transfer offers that post as Purchase transactions("Purrovide it format We In on your Card �b�may,at our option,(of p with any promotional offer we make from time to time,p )f credit amount c r the R carrier oons additionalnd to ials (the as offer Materials") ") thaten K you have notwhether thosened a amount of the BalanceTransfer ble requested.evolve Limit;or(c)refuse to process the entire transactions P if you have sales draft or the merchant has not supplied you with a written receipt or other proof of sale, you are responsible for all Purchases made through your Account, except as a de. signa8. red quested k have o accountpart aft Protection Advance" is an expressly limited by applicable law (see Your Billing Rights section below for more specifically requested and have obtained Overdraft Protection linking the Account with detailss advance of funds to your designated checking account from this Account that will 3.Advances:"Advances"are transactions other than Purchases that allow you direct prevent overdrafts on your checking account. This Account and the checking account access to funds available through your Account. Advances may include Account must have the same named owner(s) to be linked for Overdraft Protection. You ATM this Agreement. Any Overdraft Protection Advance will post and be treated as an transactions such as cash advances you obtain directly from us, automated teller authorize us to make Overdaft Protection Advances from the Account as provided in machines("ATMs")ti other participating financial institutions dCash Advances"). and financial institution Advances include phone (automated phone system and 24 Advance drawn ra the Account and will it subject to Overdraft Protection y Advance cancel Hour customer service assisted)and Internet transfers. Advances also include some Fees. An Overdraft Protection Advance will specific made only once per day,and will be Balance Transfers, t on v niers e'Cash Equiv tent h, OverdraftnProtelude tansactions to Overdraft ProAdvances made in ctionrtection privi les of$25 eges under the Accardless of the unt even if the Account remains open for and Cash Eq other purposes. acquire or initiate wire Vansfers, travelers checks, cashiers checks, money orders, foreign cash Uansactions,casino gaming and betting transactions and lottery tickets. ash, Note: For YouMash Advantest or byrthenproduct or devaiceryour useddto obttnaan Advancec Refadult's name and cosi 's name er t both be named o he Inked checking account in order to have OverdraftrProtection.us C the Advance Account Fees section for details on Advance Transaction Fees. INTEREST CHARGES AND ACCOUNT FEE 4.Advance Limits:Only a portion of the Revolve Limit(defined below)is available for Advances and that portion may vary from time to time. Although you may have credit 9.Account INTEREST CHARGES: INTEREST CHARGES reflect the cost of any rt available under your Account,we may be unable to authorize an Advance.You may Your total INTEREST CHARGE for any billing cycle will equal the amount t any hi contact Cardmember Service at 1-800 699-2281, (FAX 1-866-568-7729, TDD Ag any entadother traeriodic rate nEST saction fees Hhat are Dons tiered INTEREST CHARGES"interest' in the 1-888-352-6455) to learn the portion of your Revolve Limit which is available for Agreement and on monthly Account statements);(b)Advance Transaction Fees;ani Advances. APR. abbreviated the terms riodi Sr10. Interest AL PERCENTAG• 5.Convenience Checks: r hs•" t l sons)or drawer named on those checks. Chrate" DPRaverage Agreement, balance" use by the per drafts that look like other checks, but are drawn on credit available in your Account. RATE"as A Convenience Checks may not be offered for all Account types. We will,in connection with any Convenience Check we provide, include Offer Materials that will explain Your Variable APRs are calculated by adding a margiDPR n to the Index.Your Varia whether the Convenience Check will post and be treated U.S. of Advance yetr as n Day increase ndex,se or de ea Pr.equal to 1/365th of irme Rate published hed iin theg APR. y"Mo eynRat se sectrngof fr Balance Transfer. Convenience Checks must be written in S.Dollars.We may return may increase or decreR is ase from time to time according to the movements up or down a Convenience efore the da Check unpaid if: variat ay on which the billing cycle closed (in other words,the"statement date').Any a the credit available under your Revolve Limit is less than the Convenience Check ate adjustment based onaaln Index Street Jch change w II beournal on the aeffec effective as ost publicationfthe firrst day of ti amount; (b)the Account is in Default;or endorsed or otherwise fails to conform to our current billing cycle,and will apply to the new and outstanding Account balances i (c)the Convenience Check is improperly transactions subject to that variable rate.We reserve the right to choose a compaab regularly accepted standards for check payment. transactions Account or any obligation you owe new index s The Wall Street Journal ceases to publish a Prime Rate.The margin is ti Convenience Checks may not be used to pay y Page 2 of 7 000005339 1 MB 0.312 106481572239432 P maximum of (No Maximum), except where Offer Materials specify otherwise. percentage we add to the Index to calculate the APR.The current applied Index value minimum We will add5an00vedrdraft Fee INTEREST CHARGE to the Advance balance of your for your Account is 3.25%. Account equal a Overdr of the amount of the check,subject to a minimum of$10.00 except where Offer Materials specify otherwise. (a)Standard Interest Rates- lance Transfers": The ariabll as Purchases and Balance Trate for"Purchases"and ansfers is equal to 1/365thDofRitsocorresponding and a maximum of(No Maximum AostingPR.To determine the standard variable rate transactions posting as Purchases 14.Account Fees: a Promotional Discount Transaction Fee INTEREST CHARGE for and Balance Transfers,we will add the Index to a margin e, Purchases resulting in a DPR of.03632ce Tr (corresponding APR of 13 Index t a However, Purchases and Balance each(a) Transfer transactions are subject to DPR o(Ro maximum)(corresponding APR(no ba An rod Mem Currently Fee. ou receive during the billing cycle,as outlined in any err APR of(no minimumy and s maximum maximum)). There is no Annual Membership Fee on your Account. Curtentiy,the standard DPR for transactions posting as Purchases and ly Balance Transfers is.03832877%(corresponding APR 13.99%). (c)1/Ve will add a Late Payment Fee to the Purchase balDate shown on the ance of the Account'rf Your ment Variable Rate for "Advances": To determine the Index to a margin of 20.74%resulting Accounvariable rate for t,statement.is not received by the Payment Dubalances from$100.00 upto transactions posting as Advances, or will a 250.00. A $39.00 Late Payment Fee will be assessed on Account balances of um DPR of(no minimum)(corresponding APR (no $29.00 Late Payment Fee will be assessed on Account in a DPR of.06572602%and a(m responding APR of 23.99%).However, Advance A$19.00 Late Payment Fee will be assessed on account balances up to$10 transactions are subject to a min/ (corresponding APR (no 0 0o or more. minimum)), and a maximum DPR of (no maximum) (corresP (d)Ther is no Overlimit Fee on your Account. maximum)). Currently, the standard DPR for transactions posting as Advances is $e)We will add a Returned Payment Fee of$39.00 to the Purchase balance of the ou .06572602%(corresponding APR 23.99%). the Introductory and Promotional Rates:We may,at our option,offer you for a limited because Account ritacannot benprocess d�qucheck that o isreturned unpaid will be red or if we must return Isent t to yfor time introductory or promotional interest rates for all or part of new Purchase,Advance, or romotional rate and the period of time during which that rate will be in (f)We will add a Returned Convenience Check Fee of$39.00 to the Purchase balance time Balance Transfers posted to your Account.We will tell you in the Offer Materials the collection. and Stopping Payment introductory P motional rate will remain in effect until the he last day on C�omeniencenChecks sections aboverr more detaills.)aying PP 9 effect and any conditions or requirements of the offer.Unless the Offer Materials state of the Account if you write a Convenience Check that we do not honor under the terms otherwise,an introductory or p or promotional rate expires.Any introductory We will add a Duplicate Documentation Fee of$3.00 to the Purchase balance a the of the billing cycle in which the introductory P of a monthly statement,sales slip,refund slip,or Advance slip or promotional rate that applies to new or outstanding Account balances will increase to (g) the standard rate that would otherwise apply,or,when appropriate under the terms of Account for each copy that you request. There will be no charge for documentation requests made in this Agreement,a Penalty Rate due to an Adjustment Event(as Indicated above). connection with a billing error notice, if our investigation indicates a billing error occurred. 11.INTEREST CHARGE;Method of Computing Amount Subject to Interest: (h)We may add a$10.00 service charge to the Purchase balance of the Account i you We calculate the periodic rate or interest portion of the INTEREST CHARGE by call us to make a payment on your Account and are assisted by a Cardmember Service multiplying the applicable DPR by the ADB (including new transactions) of the Representative a make the payment.You will be provided with confirmation oft e We determine the ADB (i)We will add a Stop Payment Check�t on af$39.00 to the Convenience Check.s(Seel"Paying nce of your nd Purchase. Advance and Balance Transfer categories subject to interest, and then service charge before he payment transaction is authorized. adding together the resulting interest from each category. separately for the Purchases,Advances and Balance Transfer categories.To get the Account'rf you request a stop pay ADB in each category,we add together the daily balances daysnit the billing cycle. the We Stopping Payment on Convenience Checks"section above for more detai s. billing cycle and divide Y g balance of those IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT determine the daily balances each da by taking the be inning new interest, fees, and charges, and subtracting any 15. BalanceShield or Insurance Charges: Your purchase of BalanceShield de bt Account categories(including any billed but unpaid interest,fees,credit insurance and other charges), adding aou ny payments or credits apppurchase BalanceShield or credit insurance will not affect your application for credit or lied against your Account balances that day. We add a cancellation or credit life insurance and disability is optional. Whether or credit y Purchase, Advance or Balance Transfer to the appropriate balances for those Billed fee or premium(at the rate disclosed to you)will be added to the Purchase balance as Purchases,Advances and Balance Transfers is added d. BalanceShield or credit insurance and are eligible to participate,the monthly Program categories on the later of the transaction date or the first day of the statement period. the terms of any existing credit agreement you have with us. If you elect to pure ng Billed but unpaid interest ocycle based ance count ba the appropriate balances for hose categories each month on the statement dateof the The terms of your BalanceShield coverage will be but unpaid Advance Transaction Fees are added to the Advance balance of your summarizedd.INTin the B CHARGES). Th Cancellation Programupon the a Agreemelnt whichclwill ibe Account on the date they are charged to your Account.Any billed but unpaid fees on accrued INTEREST CHARGES). the terms of your insurance Purchases, credit insurance charges, and other charges are added Bi the Purchasbut unpaid balance of the Account on he date they are charged to the Account.Billed but unpaid poulTh se features are not offered for Securcredit ed Accounts. fees on Balance Transfers are added to the Balance Transfer billed and unpaid Interest coverage will be summarized in the CeR cote of Insurance,which will be provided tic on the date they are charged to the Accu credit record fees,and charges will be included in the ADB of your Account that accrues interest and or Purchases until the first day a the billing cycle transactions are authorized based on factors such as Account history, will reduce the amount of credit available to you. Credit insurance charges are not 16.Credit Limit:There is no predetermined Credit Limit for your Account. Indivi ua included in the ADB calculation following the date the credit insurance premium is charged to the Account Prior and payment resources. over,less the minimum month/ or olve Limit ale are not included in the ADB Transfers)is the total dollars available to you to carry eriodicell statement balances subject to an interest-free period that have been paid on or before a. Revolve Ifrom billing cycleRt vbill ng cycle(fas a revolving ng i nevof credo n Youa nriti- the payment due date in the current billing cycle calculation.There is a minimum INTEREST CHARGE Fee of$2.00 in any billing cyclere-evaluate your Account and increase or decrease your Revolve Limit. in which an INTEREST CHARGE is due. As described above, this Agreement Revolve Limit is shown on the Card Cartier. e y reserve the rig o P provides for the compounding of interest on your Account. b. Extraordinary Purchases: If you are planning an out of-pattern transaction or larg 12. Paying Interest: You have a 24 to 30 day interest-free period for Purchases ticket Purchase,you must inform us of the Purchase at least 2 business days prior,an provided you have paid your previous balance in full by the Payment Due Date shown no more than 60 days prior to thersvernt U StelDollars with checks or similar payme Your monthly Account statement.In order to avoid additional INTEREST CHARGES on Purchases,you must pay your new balance in full by the Payment Due Date shown instruments ns payment:is drawn on on financial via the Internet or phone or previously establish= on the front of your monthly Account t tementAdvanThees re is no interest-free Transfers except as a pt P y drawn on a finances institution located in the United States. We well al- on transactions that post to the Accu drawn any coon a foreign riequired in connection with such aytill be ran action The date you me toail provided in any Offer Materials.the date they are transactions are d n full.object to interest from the date automatic payment transaction. We may,at our option,choose to accepted and ogre of ti tion fees they post to the Account un 13. Advance Account Fees: You agree to pay the following Account fees and payment is different than the date we receive that payment. or purposes Agreement,the payment date is the day we receive your check or money order at ti INTEREST CHARGES: address specified on your monthly Account statement or the dycoupon e receive oo c cle in additon to an incorrect address, It may resullt in a sus ens on of our our Account, additior (a)We will add an Advance Transaction Fee INTEREST CHARGE to the Advance electronic or phone payment.If you mail your payment without a payment balance of he Account for each Advance you obtain during a billing Y the interest that accrues on Advances. The Advance Transaction Fee imposed will INTEREST Mnimum Payment:Each month,you must meriat lea t Due st the Minimum Date shown o yoPayment r lmont equal the greater of either a percentge of each Advance or the minimum dollar any past due Minimum Payment(s) Y y a more than the Minimum Payment amount,subject to he maximum dollar amount,ERCENTAGE in the table below. OF CASH FEE MINIMUM MAXIMUM Account statement. You may,at your option,pay CASH RECEIVducz ED FROM 51 - No Maximum pay the New Balance(as stated on your monthly Account statement)in full e t will 3.000% FINANCIAL INSTITUTION a co0,� 510.00 No Maximum avoid the INTEREST CHARGE for the Account. Your Minimum Paymwhich is ent will CASH EQUIVALENT 3 000°� to the Revolve Limit not mOr 510.00 No Maximum calculated$s Poll or 1.00%of YoutrNeiw Batnce up Minimum Pay add one n t i mor- ATM below. To the Base Minimum Payment,we annual and/or any o (b)We will add a Balance Transfer Fee INTEREST CHARGE to the Purchase balance 9 our Account is over of the Account equal to 3.000%of the balance transfer amount,subject to a minimum of iaterials specify tems count related fee,s i the INTEREST CHARGE,and(3)if y $5.00 and a maximum of (No Maximum), except wTeCHARGEre offer Mto the Advance Revolve L'mitesomesorcallrof hed one balance amount over your Revolve Limit. If otherwise. (c) We will add a Convenience Check Fee INTERES balance of your Account equal to 3.000%of the amount of the check, subject to a resulting Minimum Payment is greater than$10.00,the tot/is then round o e 000005339 1 MB 0.382 106481572239432 P Page 3 of 7 highest dollar not to exceed your New Balance. Any Minimum Payment or additional ATM operator will determine whether to send your transaction over the Visa or PLUS amount you pay each month will not prepay any future Minimum Payments required,or System network using such network's respective currency conversion rules then in change your obligation to make at least a Minimum Payment by the Payment Due Date. effect(as explained above). 19.Payment Application:If we cannot collect on your check or other payment item you YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT send us to pay on your Account,we may post as an Advance transaction an amount equal to the credit previously given to you for such check or payment item and we may 25.Responsibility to Pay:You agree to pay us for all Purchases,Advances, Balance charge interest on this amount from the date your Account originally was credited for the Transfers, INTEREST CHARGES,Account Fees and charges, any other transaction payment. After a payment has been made,we reserve the right to withhold available charges as provided in this Agreement and,to the extent permitted under applicable credit in the amount of the payment for 7 business days. Any credit available before the law, attorneys fees and collections costs we incur enforcing this Agreement against payment is made will continue to be available for use during this time. you. This is the case even if your Account is only used by one of you,or is used by 20.Skip Payment Option:We may,at our option,occasional) offer you an o someone authorized by only one of you. If there is more than one Cardmember,each to ski Y Y pportunity of you is responsible, together and separately, for the full amount owed on your p your obligation to make the Minimum Payment due. You may not skip payments Account. Your obligation to pay the Account balance continues even though an unless we make this offer to you. If we offer you an opportunity to skip a payment more agreement,divorce decree,court judgment,or other document to which we are not a than once in a 12 month period,you will not be permitted to skip payments required in party may direct another person responsible to pay the Account. consecutive months. You cannot accept a skip payment option if your Account is delinquent, or is in Default.When you take advantage of a skip payment offer, the 26. Intent to Repay: Every time you use your Account, you represent to us that you interest will continue to accrue on the entire unpaid balance of your Account. intend to and have the abili repay ty to p y your Account obligations. We rely on this 21. Change of Address: Your monthly Account statements and notices about your representation every time you use your Account. Account will be sent to the address you provided in your application or your response to 27.Settling a Disputed Balance;Payment in Full:If you want to settle a disagreement our Account solicitation. To change your address,you must call us at 1-800-699-2281, with us about any amount you owe by sending a check on which you have written (FAX 1-866-568-7729, TDD 1-888-352-6455)or write to us at Cardmember Service, "Payment in Full"or similar language,you must send us a written explanation of the P.O. Box 6339,•Fargo, ND 58125-6339. We must receive this information 21 days disagreement or dispute and any such check to Cardmember Service, P.O.Box 6335 before the date a billing cycle closes to provide your monthly Account statement at your Fargo ND 58125-6335. (See Your Billing Rights section below for omplete details.) new address.If you have an address change within 45 days of the expiration date of This address is different than the address you use to make Account payments. Writing your Account,Card(s),please contact Cardmember Service at 1-800-699-2281,(FAX "Payment in Full"or similar language on the check will not be enough to resolve the 1-866-568-7729,TDD 1-888-352-6455)with your new address so your new Card(s) dispute. If we collect a check or any payment instrument marked"Payment in Full"that can be mailed to your new address. you sent to an address other than the one provided in this section(such as the address at 22.Authorized Users: You agree not to allow access to your Card,Account number, ema in ng amount ylou owe us under thmake e ermslofnot hve your Account.waived our right to collect any Convenience Checks, or personal identification number(PIN)to anyone else to use your Account,except by asking us to issue a card to grant Account access to another 28.Default:You and your Account will be in Default if: person. If you allow access to your Card or Account information,you will be liable for a)we do not receive the Minimum Payment by the Payment Due Date disclosed on the any charges made by that person, unless and except as expressly required by monthly Account statement; applicable law. You agree to be responsible for all Account transactions made by a b)you violate any other provision of this Agreement; Cardmember,or anyone who you have authorized by(a)asking us to issue a Card to c)you die without a surviving joint Cardmember; grant Account access to another person;(b)lending your card to or allowing Account d)you become insolvent,assign any property to your creditors,or go into bankruptcy or access by another person; or (c) any other way in which you would be legally receivership; considered to have allowed another person to use your Account or to be legally e)you have made false statements on your Account application or in the maintenance prevented from denying that you did so.Be cautious when allowing another person to of your Account; become an authorized user of your Account;once you allow authority to any authorized f)we have any reason to believe that your Account is in danger of,or is being used for user you cannot limit that authority unless the Account is closed to future transactions. fraud; You, as a primary or joint Cardmember, must call us at 1-800-699-2281, (FAX g)you are a married community property state resident and you or we receive a written 1-866-568-7729,TDD 1-888-352-6455)or write us at Cardmember Service, P.O. Box termination notice of this Agreement from your spouse; 6339, Fargo, ND 58125-6339 with any request to cancel and remove a person's h)your Account becomes inactive; authority.We will not provide any Account information to anyone other than you and any i)anything happens that we believe in good faith materially increases the risk that you individual you authorize has no right to make any Account changes or inquiries. will not live up to your payment and other obligations under this Agreement;or this23. Lost or Stolen Card or Other Information: You must notify us immediately by closed�orwill�nt no longer be liable n heAccouAccount and one of ouifn?s us that he or she wants the Account telephone at 1-800-699-2281, (FAX 1-866-568-7729, TDD 1-888-352-6455), or in You and your Account may also be in Default if you make transactions which go over writing at P.O.Box 6339,Fargo,ND 58125-6339 if your Card,Convenience Checks,or your Revolve Limit. PIN is lost or stolen or there is possible unauthorized use of your card,Account,or PIN. You will not be liable for unauthorized use of your Account.If this happens,we will ask 29. Illegal Purchases:You agree that you will not use or permit an authorized user to you and all other persons given Account access to return all Cards and unused use the Card or Account for any unlawful purpose,such as funding any account that is Convenience Checks to us.In addition,we have the right to close your Account and set up to facilitate online gambling. open a new Account. If we do so, new Cards will be issued. If requested,we may issue a new PIN and new Convenience Checks for your new Account. OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 24.Using Your Card for International Transactions: 30. Ownership of this Account; Governing Law: Your Card and any other Account You may use your Card for retail Purchases at foreign merchants and for cash access devices that we supply to you are our property and must be immediately withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. returned to us or our designated agent or otherwise destroyed or surrendered as we Some merchant and ATM transactions,even if you and/or the merchant or ATM are instruct.We extend all Account credit to you in and from the state of North Dakota, located in the United States,are considered foreign transactions under the applicable regardless of where you reside or use the Account. This Agreement is governed by Visa rules, in which case we will add the Foreign Transaction Fee INTEREST North Dakota law and by federal law,regardless of the internal conflict of law principles CHARGE described in this section to those transactions. We do not control how these of the state where you reside or use the Account. If a dispute arises and you file a merchants,ATMs,and transactions are classified for this purpose. The exchange rate lawsuit against us,service of process must be made on us at the following address: in effect when the transaction is processed may differ from the rate in effect on the date U.S.Bank National Association ND,4325 17th Avenue SW,Fargo,ND 58103. of the transaction or the date of the posting of the transaction to your Account. 31. If you use your Card at a merchant or an ATM that bears the Visa logo(and no PLUS an If to your Account:Account and Agreement terms are not guaranteed for System logo),the transaction will be processed through the Visa system and will be feesperiod and , inaccordance withyapplcable law and chane the terms itheuterms of your Agreementt..sYour converted to U.S. Dollars according to the applicable rules established by Visa from transactional experience with us may also cause a change,including an increase in the time to time. Currently, the currency conversion rate used by Visa to determine the margin that is added to the Index,an increase in fees,or a decrease in the Revolve foreign currency transaction amount in U.S. Dollars is determined by multiplying the Limit.Factors considered in determining the increased rate or Revolve Limit decrease amount of the foreign currency transaction times(a)a rate selected by Visa from the may include your general credit profile, existence, seriousness and timing of the range of rates available in wholesale currency markets for the applicable central defaults under any agreement that you have with us, and other indications of the processing date,which rate may vary from the rate Visa itself receives, or(b) the Account usage and performance. We will give you the written notice of any such government-mandated rate in effect for the applicable central processing date. If your change in the manner required by North Dakota and federal law. Any Agreement foreign transaction is in foreign currency prior to being processed by Visa,we will add a changes to APRs and fees will apply to all new Account balances you owe under your Foreign Transaction Fee INTEREST CHARGE of 3.00%of the Purchase transaction or Account as of the effective date indicated in the notice or otherwise permitted by 3.00%of the ATM transaction. If your foreign transaction is in or converted to U.S. applicable law. All other Agreement changes will apply to all new and outstanding Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee Account balances you owe under your Account as of the effective date indicated in the INTEREST CHARGE of 2.00% of the Purchase transaction or 2.00% of the ATM notice or otherwise permitted by applicable law. If you do not want to accept the transaction. changes,g you must provide us with written notice at the address contained in the chaeffective date of the chane. In If you use your Card at an ATM that bears only the PLUS System logo(and no Visa this case,we will close youre in terms ntice noater Acco Account and permit youthan 25 das afterhto pay off the outstanding Acco logo),the transaction will be processed through the PLUS System and will be converted balances in full at that time or under the terms of your existing Agreement. You unt will into U.S.Dollars at the exchange rate established,from time to time,by the operatorf have accepted any proposed change if your Account is used after the effective date of that ATM. To the converted transaction we will not add a Foreign Transaction Feoe the changed terms,even if 25 days has not elapsed afterany such effective date. INTEREST CHARGE. If you use your Card at an ATM that bears both the Visa and PLUS System logos,the t 2obtain Account credit immediately,without notice if your Account is in Even Page 4 of 7 000005339 1 MB 0.382 106481572239432 P nd This does not apply to any Claim in which the relief sought if you are not in Default,we may cancel your Account honer atdCernotice to dmembery Service, co lectively a"Claim").T Account and credit issued thereunder(individually b may cancel your Account by notifying us by p 363 (1)NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN .Box 6339,Fargo,ND 58125-6339. If you have a secured a small claims court.If arbitration is chosen by any party,the following will apply: 1-800-699-2281, (FAX 10-866-568ifying TDD telephone at Car or in writing at is within the jurisdictionallimits of,and could be fully and properly adjudicated Cardmember Service, COURT OR TO HAVE A JURY TRIAL ON A CLAIM, ID TO ENGAGE IN Account,your termination request must 61 made in writing and if to,w Box 6 PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE Fargo ND 58125-6363 or faxed to 701-461-3635. If this is a joint Account,we will honor APPLICABLE ARBITRATION RULES. not consolidate a request by either of you to cancel the Account. After your Account is canceled,you 2 Arbitration will only decide our or your Claim,hve sand imilar lar claims.YOU WILL will not be able to obtain additional Account credit,except that'until the Account may (2 orb the claims of other persons who may continue to receive recurring charges for items item oeservrvices ceor(b)uunderacerta'n ( )1 cancel delivery with the company providing GENERAL,PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. your Account is cancelled, all amounts outstanding on your MEMBER OF ANY CLASS OF CLAIMANTS,OR AS A PRIVATE ATTORNEY circumstances if you use your Account for a transaction,the transaction may be posted NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE to your Account. After yo 3 The arbitration will be performed in accordance with this Arbitration Account will be due and payable without notice or demand from us. You must cu Cards and Convenience Checks in half and return them to us. If you do not pay the ( 1 amount you owe under this Agreement, you will be liable actions,r collection to extent Prov and the rules of the chosen arbitrator in effect when the Claim is including our reasonable attorney (4)The arbitrator's decision ill b9 the Federal be final and ArbitrationAct binding except for the permitted by applicable law. limited right h appeal p Y assign,sell or transfer (5)Other rights that you would have if you went to court might also not e 33.Assignment of Your Account to Another Creditor.We may 9, available in arbitration. The party commencing the arbitration mayor el ct to use a theseAarbitration ither your Account and amounts owed by you S or the to another creditor at any time.If es do,this Agreement will still be in effect unless and until amended,and any references made in (b) this Agreement to"we","us",or"our'will refer to the creditor t0 which we assignnot ed, American Arbitrar amotion parties Or,if the parties cannot agree,chosen by a court of unts sold,or transferred your Accountwe dun der your Acc Account. You Rhout our agreed upon bythe issue,then a comparable substitute arbitration organization delegate your obligations and responsibilities competent jurisdiction). If JAMS is selected, the arbitration will be handled express written consent. according to its Streamlined Arbitration Rules unless the Claim is for f$260,000 0AAA or more,in which case its Comprehensive Arbitration Rules shall appy. OUR LEGAL RIGHTS AND OBLIGATIONS selected,the arbitration will be handled according to its Commercial Arbitration 1-800-778-7879 or www.adr.org.Any arbitration hearing that you attend will take n uiriou we feel are appropriate related to giving you 1-800-352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 34. Collecting Credit Information about You: You authorize us to make any credit, Rules. You may obtain rules and forms for JAMS by contacting JAM a employment and investigative q file against us.a you will credit or collecting amounts owed on your Account. You agree that a consumer credit you may we will pay your arbitration costs and fees, other than lumern and any update, advance your filing and hearing fees for any Claim y report may be requested periodically from one or more consumer reporting agencies place in the federal judicial district where you reside.At your request,we ("Credit Bureaus') and used in connection with your app our Account or prevail on your Claim, an fees or renewal or extension of credit. We will provide information about you,y expenses that applicable law requires us to pay. The arbitrator shall apply your credit history to Credit Bureaus and others who may property receive that attorney,expert and witness fees and expenses.We will also pay information. applicable substantive law consistent with the Federalapplicable us of limitat on, Pon the award 3f Credit Bureau Disputes: If you believe we inaccurately reported credit history Sections 1 through 16,including but not limited to app in any court having jurisdiction. zed at law.Judgment u information about you or your Account to a Credit Bureau,call us at 1-800-48 pool or (c)Thisand lArbitrat onsP ovison shall survves repayment of your extention of c edit write to us at U.S. Bank National Association ND, Consumer Recovery Department, and teertdi termination of your Account.Th sby the arbitrator may be rArbitration Provision shall Rh Dakota d by Attn.:CBR Disputes,P.O.Box 108,St.Louis,MO 63166-9801. 36. Privacy Pledge and Disclosure of Account Information:A copy of our Privacy federal law, including the Federal Arbitration Act, and by any language of this Agreement to the contrary, should any portion of this of our customer.We also keep copies of our Privacy Pledge in does not conflict with federal law or this Arbitration Provision.Notwithstanding Pledge a included is this Agreement. You will also receive a copy at least once without regard t, its internal t law r this principles,to the extent such state law annually while you remain of financial institution offices and post it on our web site. Our Privacy Pledge'describes Y tells terminated and all other provisions of this Agreement shall remain in full force hush we might share information about you with members of competent jurisdiction,this entire Arbitration Provision shall be automatically how we collect,protect and use confidential financial and other information about you Arbitration Provision be held invalid or unenforceable by a court or other body and the circumstances in w our corporate family and with unaffiliated third parties. Our Privacy Pledge also you how you can(a)limit the ways we share certain kinds of information about you and and effect you under this (b)request corrections to the information we maintain about you. Other U.S.Bank Relationships: 37.Refusal to Honor Transactions:We and our agents are not responsible if anyone Expanded Account Access:Any Card or PIN issued to or selects Y Y card(s)or PIN(s)that you have selected or you may have credit available under your Account, accounts in your name with us or our bank affiliates;and any Account opened under refuses to honor your Card ora Convenience Check,or if authorization for a particular Agreement will access multiple checking, savings, line of credit and credit car transaction is not given. AlthoughY that has been issued to you or may in the future be selected by you or issued to you by we may be unableto authorize oneeredit yfbe aimited�c and the limit per day maybvary f this Agreement may es accessed y any count transactions you other available method. works. If your Account is over the Revolve Limit or number umb orne�sth PIN to gh pests nalt computer transaction banking,borsvianany oche at ATMs, over the These restrictions are for security reasons, and as a result,we cannot explain the us or our bank affiliates. "Expanded Account Access"means use of a car or ac details n how this system he and delinquent, authorization of credit for transactions may be detained. We Expanded Account Access may be available responsible for anything purchased with your Card or a Convenience Check,except more for up to 5 checking.e 5 savings, line pl of Ecredit xpanded creded o Account d accountount Access.s, atsother expressly required by applicable law (see Your Billing Rights section below for more terms disclosed for each Account apply. details). You must return goods you purchased with the Card or Account ATMs and with other available methods of access, other limitations apply. Cat merchant and not to us. Cardmember Service at 1-800-699-2281,(FAX 1-866-568-7729,TDD 1-888-352-6455: e not liable for these features,services become effective. Access by allll of your othersaccounts.t will cancel your ability to us 38.Third Party Offers:From time to time,third parties may provide you with be not to cancel Expanded Account Access, afor llowing a reasonable time for cancellation t related to the extension of Account credit. We are third rovider.We Expanded A of its ban and enhancements'ma they change or de etare the sole eoentirely thesof e benefits notice or and/or a third party Y applicable law.You agree to hold us harmless Executive Officers:if you are an Executive Officer of U.S.Banorp,or any liability to You,to the extent permitted by app our use of any of these features, affiliates,the Bank reserves the right to demand payment at any time. from any claims,actions or damages resulting from you law. CO-BRAND SHARING services or enhancements,where permitted b app We are authorized to share your Account information with Harley-Davidson Financi- 39.Telephone Monitoring:From time to time,we may monitor telephone calls you make Services and its affiliates and their successors in interest. to us or our agents. 40. Severability: If a court of competent jurisdiction finds any part re this Agreement illegal or unenforceable,the remaining portions of the Agreement will remain in effect as Harley-Davidson Genuine Rewards Program for our a) you purchases. At the of each®bG ng ceni yclejine ,we will calculates points oyou'r Point(s) written after any such illegal or unenforceable portion is amended in conformance with applicable law or,'rf necessary,voided. earned based on 3%of Net Purchases at Harley-Davidson®dealers;2%Of the Net Purchases at merchants classified as gas stations,restaurants,bars the Entire Agreement:This version of the Agreement replaces any previous versions deliver and lodging and 1% of the Net Purchases for all other purchases and the Agreement. The Agreement,as modified by law,constgitutese in tthe en a agerms we� reement Balance Transfers on Your Harley-Davidson®Visa Account. We from time to time in accordance with app rior negotiation, agreement, or qualifying between you and us, and supersedes any p 9 cannot control how merchants choose to classify their business rd reserve the right to determine which purchases qualify.We will not award Points fo understanding between you and us concerning the subject matter of the Agreement. Advances(including wire transfers,travelers checks, money orders,foeigr cash transactions, betting transactions, lottery tickets and ATIY 42.Waiver:We do not give up our rights under the Agreement or applicable law when disbursements), Convenience Checks, Balance Transfers, INTERES we fail to exercise or delay exercising those rights.Our failure or delay to exercise any CHARGES and Fees, credit insurance charges, or transactionsround fun, right or remedy we have against you does not mean thatwe waive that right. certain prepaid card products such as VISA Buxxo. We may 43.Arbitration Provision: Purchases up or down to a whole dollar amount for purposes of awardin (a)You agree that either you or we can choose to have binding arbitration resolve any claim,dispute or controversy between you and us that arises from or relates 000005339 1 MB 0.382 106481572239432 P Page 5 of 7 Points. telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.We must tell b) "Net Purchases" for a billing cycle are determined by adding all new you the name of anyone to whom we reported you as delinquent,and we must let Purchases posted to your Harley-Davidson®Visa Account during the billing those organizations know when the matter has been settled between us. cycle and subtracting any credits and/or adjustments and chargebacks to a merchant that have posted to your Account during the billing cycle for If we do not follow all of the rules above,you do not have to pay the first$50 of the returned Purchases. If credits for returned Purchases exceed new amount you question even if your bill is correct. Purchases in any billing cycle,the excess credits will be carried forward into successive billing cycles and subtracted from future new Purchases to Your Rights If You Are Dissatisfied With Your Credit Card Purchases: determine the Net Purchases for those successive cycles. If you are dissatisfied with the goods or services that you have purchased with your Card,and you have tried in good faith to correct the problem with the merchant,you C) Points may be accumulated and redeemed,subject to all terms, conditions may have the right not to pay the remaining amount due on the purchase.To use this and limitations,as described in this Agreement and your Owner's Manual. right,all of the following must be true: Points cannot be earned or redeemed for Accounts that are in Default,past 1. The purchase must have been made in your home state or within 100 miles of due or closed. your current mailing address,and the purchase price must have been more than $50.(Note: Neither of these are necessary if your purchase was based on an d) Eligibility for the Harley-Davidson®Genuine Rewards Program ("Program"), advertisement we mailed to you, or if we own the company that sold you the the awarding of the Points, and the awarding and redemption of Genuine goods or services.) Rewards, including Harley Chrome® Cash, are subject to the terms and 2. You must have used your credit card for the purchase. Purchases made with conditions of the Agreement. Noncompliance with the terms and conditions cash advances from an ATM or with a check that accesses your credit card set forth in this Agreement will cause forfeiture of any Points balance in your Account do not qualify. Harley-Davidson®Visa Account. 3. You must not yet have fully paid for the purchase. e) Points awarded but not redeemed will expire 3 years from the date the Points If all of the criteria above are met and you are still dissatisfied with the purchase,contact were awarded to your Account on December 31 st of the expiration year. us in writing at: Cardmember Service f) Harley-Davidson, Inc.and Harley-Davidson Financial Services (collectively P.O.Box 6335 "Harley-Davidson")are not a party to this Agreement and have no authority Fargo ND 58125-6335 regarding the Account,including with respect to any extension of credit on the While we investigate,the same rules apply to the disputed amount as discussed above. Account. Harley-Davidson is not a creditor or owner of the Account. After we finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay,we may report you as delinquent. We are not responsible for any terms and conditions that Harley-Davidson may impose on the use of Harley Chrome®Cash certificates or for the failure of Harley-Davidson or SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO a Hariey-Davidson dealer to honor the Harley Chrome®Cash certificates. We reserve PURCHASES MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER the right to amend or modify the Program at any time and in any way(including an CHECKS. adjustment of the amount of Points credited to your Harley-Davidson(D Visa Account for each$1.00 of Net Purchases), or to discontinue the program, by providing notice to 24-0602 5106 you. Paragraph 31 shall not apply to amendments or modifications of the Program. U.S. Bancorp is a diversified financial services company. We offer a range of EXCLUSIONS FOR SECURED CARD ACCOUNTS financial products and services through our family of financial service providers. The following members of the U.S.Bancorp family of financial service providers The following features, as disclosed previously, are not available to Secured card have adopted this privacy pledge: Accounts:Convenience Checks,Overdraft Protection and Skip Payment Option. Banks,Safe Deposit Or Trust. YOUR BILLING RIGHTS . U.S Bank National Association Keep this document for future use. This notice tells you about your rights and our U.S Bank Trust National Association responsibilities under the Fair Credit Billing Act. U.S Bank Trust National Association SD U.S Bank National Association ND What to Do If You Find a Mistake on Your Statement: If you think there is an error on your statement,write to us at: Brokerage,Investment and Insurance. Cardmember Service U.S Bancorp Investments,Inc. P.O.Box 6335 U.S Bancorp Insurance Services,LLC Fargo ND 58125-6335 The Miami Valley Insurance Company If you wish to dispute a transaction over the phone,please call 1-800-699-2281 with the Mississippi Valley Life Insurance Company information listed below. Most inquiries or disputes can be corrected over the phone, Elan Life Insurance Company but doing so does not preserve your rights. U.S Bancorp Insurance and Investments,Inc. In your letter,give us the following information: Diversified Services. Account information:Your name and Account number. U.S Bancorp National Account Services,LLC Dollar amount:The dollar amount of the suspected error. U.S Bancorp Mortgage Advisers,LLC Description of problem:If you think there is an error on your bill,describe what U.S.Bancorp Mortgage Professionals,LLC you believe is wrong and why you believe it is a mistake. U.S.Bancorp Service Providers,LLC U.S.Bancorp Advantage,LLC You must contact us: U.S.Bancorp Equipment Finance,Inc. Within 60 days after the error appeared on your statement. Lyon Financial Services,Inc. At least 3 business days before an automated payment is scheduled,if you Burton Lumber Mortgage,LLC want to stop payment on the amount you think is wrong. Ensign Mortgage,LLC You must notify us of any potential errors in writing.You may call us,but if you do we Finicity Home Loans,LLC are not required to investigate any potential errors and you may have to pay the amount U.S.Bancorp Federal Financial Mortgage,LLC in question. United Country Home Mortgage,LLC U.S.Bancorp Title Services,Inc. What Will Happen After We Receive Your Letter: When we receive your letter,we must do two things: ADDITIONAL MATTERS 1. Within 30 days of receiving your letter,we must tell you that we received your letter.We will also tell you if we have already corrected the error. 1. Email 2. Within 90 days of receiving your letter,we must either correct the error or explain We may,from time to time,contact you at an email address belonging to you to tell you to you why we believe the bill is correct.While we investigate whether or not there of changes or updates to our site,usbank.com. In addition,we may contact you at an has been an error: email address belonging to you to inform you of products and services we think may be We cannot try to collect the amount in question,or report you as delinquent on of interest to you. At any time,you may ask us to stop sending promotional information that amount. to that email address by simply replying to our email,and telling us of your preference. The charge in question may remain on your statement,and we may continue Or, you can tell us your preference on the 'Update Email Preferences' page at to charge you interest on that amount. usbank.com. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. 2. Closed or Inactive Accounts We can apply any unpaid amount against your Revolve Limit. We will continue to follow the privacy policies and practices explained in our privacy pledge even after your account is closed or becomes inactive. After We Finish Our Investigation,One of Two Things Will Happen: If we made a mistake,you will not have to pay the amount in question or any 3. When Will My Choice Take Effect? interest or other fees related to that amount. If you make a choice as explained on the attached tear-off form,we will process your If we do not believe there was a mistake,you will have to pay the amount in request. question,along with applicable interest and fees.We will send you a statement of New Customers. For new customers,we will allow you a reasonable time to the amount you owe and the date payment is due.We may then report you as express your preference before sharing personal credit information about you delinquent if you do not pay the amount we think you owe. If you receive our or including your name on direct marketing lists. explanation but still believe your bill is wrong,you must write to us within 10 days Direct Marketing Preference--Delayed Effect. You may make a direct v � 000005339 1 MB 0.382 106481572239432 P Page 6 of 7 marketing choice at any time. If you have previously permitted direct security number; marketing,and you change your preference,it may take up to 10 weeks to B. Information about your transactions with us,our affiliates or others,such as stop receiving mail or telephone offers. your account balance, payment history, credit card usage and website and customer service usage; 4. Multiple Copies of the Pledge C. Personal credit information we receive from you on applications or other loan Although you will receive several copies of this pledge with respect to your current and account forms,such as your assets and income; account,you need to make your choice only once. Your choice remains in effect until D. Personal credit information we receive from credit bureaus and other you tell us otherwise. companies,such as your creditworthiness and payment history;and E. Other information-Information from other outside sources,such as data from 5. To Change Election public records,that is not gathered for the purpose of determining eligibility for If you would like to change a previous decision or choice, please call us at a product or service. 800-370-8580. You may choose whether"personal credit information"described in categories 1 C and 6. Additional Rights and Changes 1 D is shared within the U.S.Bancorp family of financial service providers. This choice You may have other privacy protections under applicable state laws,such as Vermont is further discussed in Section 4—"Your Choices About How We Share and Use and California. To the extent these state laws apply,we will comply with them when we Personal Information About You". share information about you. 2. What Information We Share and Use We may contact our existing customers by telephone to offer additional financial In Section 4,we explain your right to choose how we share and use personal credit products that we believe may be of interest to you. You have the right to opt out of information about you. Subject to your choices to limit sharing as explained in Section these calls by adding your name to our internal do-not-call list. To opt out of these calls, 4,we may share and use all of the information we gather with: or for more information about your opt out rights,please contact our customer service A. Other"affiliates"(i.e., U.S. Bancorp family of financial service providers — department. You can reach us by calling 800-USBANKS (800-872-2657),clicking the companies related to us by common control or ownership)that offer financial email link from the"Contact us"page of usbank.com,or writing to P.O.Box 64077,St. products and other services,including those identified in this privacy pledge Paul,MN 55164. While all of our customers have the right to opt out of these calls,our and our administrative or service units that perform functions, such as customers who are residents of Nevada are being provided this notice under Nevada servicing your accounts or preparing your account statements. Our affiliates state law. In addition to contacting U.S. Bank, Nevada residents can contact the may use information(including personal credit information)about you to offer Nevada Attorney General for more information about your opt out rights by calling products and services to you. 775-684-1100,emailing bcpinfo@ag.state.nv.us,or by writing to: B. Unrelated companies that work for us, including: Companies that perform Office of the Attorney General support services for us, such as data processors, technical systems Nevada Department of Justice consultants and programmers, check printers, or companies that help us Bureau of Consumer Protection market products and services to you. All such companies that act on our 100 North Carson Street behalf are contractually obligated to keep the information we provide them Carson City,NV 89701 confidential and to use the information we share only to provide the services we ask them to perform for us. This privacy pledge does not apply to your relationship with other financial service providers, such as nonaffiliated insurance companies. We may amend this privacy We do not sell or share customer information to unrelated companies so that pledge at anytime,and we will inform you of changes as required by law. they can market their products to you except as permitted by law(i.e.,with our financial partners or retail partners as a part of a private label credit card 7. Want to Learn More? account). From time to time,we may communicate to you special offers for If you would like to learn more about how we use financial information about clients to products or services of unrelated companies,which we believe may be of deliver better client services and products more efficiently,please come to a branch, interest to you. These companies will not learn about your relationship with us contact your financial professional or see our Web site at usbank.com. unless you respond to their offers. Our Privacy Pledge To You. C. Companies and other entities as permitted by law. The U.S.Bancorp family of financial service providers is making this Privacy Pledge to you. Protecting your privacy is important to us. We value the trust you have placed in 3. We Protect the Confidentiality and Security of the Information We Gather us,and your continued confidence is important to us. As you review our pledge,please We restrict access to personal information about you to those employees we believe rememberthat: need to know that information to provide products and services to you. We maintain We make safeguarding the information we gather about you a priority. physical,electronic,and procedural safeguards to keep information about you safe. We maintain security practices to keep personal information about you safe. We do not sell customer information to unrelated companies so that they can market 4. Your Choices about How We Share and Use Personal Information about You their products to you. We do share information about you with our financial and You have the right to choose how we share and use certain personal information about retail partners with whom we provide co-branded credit cards known as private you. label credit cards. A. You may tell us not to share personal credit information within the U.S. When we believe that an unrelated company offers products or services that would Bancorp family of financial service providers. be of interest to you,we may communicate to you about them. These companies In order to serve you better, we may share "personal credit information" will not learn about your relationship with us unless you respond to their offer. (described in Sections 1C and ID) we gather about you within the U.S. When it comes to privacy,we believe that you have the right to make meaningful Bancorp family of financial service providers. Under the Fair Credit Reporting choices. If you tell us not to do so,we will not call or send direct mail to you for Act,you may tell us not to share personal credit information about you additional products or services. You can also choose how personal credit within the U.S. Bancorp family by following the instructions on the information about you is shared within the U.S.Bancorp family of financial service attached form. Even if you do tell us not to share personal credit information, providers. It is your choice. we may still share information about your identity,your transactions,or other We will provide you with helpful information about privacy and information security. information within our affiliated family. For example,on our website, you will find tips to help you protect yourself from B. You may tell us not to call or send direct mail to you for additional identity theft,and limit direct marketing from others. products or services. The policies and practices described in this privacy pledge may change,but we will From time to time,we may call or write to tell you about additional financial inform you of any significant changes as required by law. products or services that we think may be of interest to you. You may, however,tell us not to call or send direct mail to you for additional What Personal Information Is,and How We Gather,Protect,Share,and Use It products and services, by following the instructions on the attached Our pledge applies to personal information,which is nonpublic information about you form. Please note that if you make this choice,we will still call you and send that we obtain in connection with providing a financial product or service. you mail to service your existing relationships, or provide account related information(and,when doing so,the mail we send may include pre-printed 1. Types of Information We Gather marketing materials in those mailings). We may gather the following types of personal information about you: A. Information about your identity, such as your name, address and social Page 7 of 7 000005339 1 MB 0.382 106481572239432 P (TEAR HERE AND MAIL) It's Your Choice--Here's How': resect ct. We will maintain that election even after you close your if you have already not to informed us of our c again of youhce r ahoiceiteach year to your current account,it remains in effe accounts. You n Use our convenient toll-free number to inform us of your choice at 1-800-370 8580" Or, Visit us online at usbank.com Make your choices at one of our branches Write us by completing this form and mailing it to: Cardmember Service,Privacy Choice P.O.BOX 1800,ST PAUL,MN 55101-1800 Please do not share personal credit information about me within the U.S.Bancorp family of financial service providers. Please do not solicit me for additional products and services through: etelephone marketing,or direct mail marketing Last Four Digits of SSN*" Name Last Four Digits of 3N— Name(Joint Owner) Street Address State Zip Code City Phone social *"You must give us thename am necessary,the last found digits f the ,add asses and lastrfour digits of Social for each owner Sec�untysnumbers on a separate piece ofto make an election. 1papeers of joint accounts m r. make different choices. i i } �.. 1 j I i i I I { I i i r r i I I t E i . 1 { VERIFICATION ANGELICA MARTINEZ 1, , hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that FRANKLIN J LYNCH owes the balance of $6,578.66 to CACH, LLC on previously submitted invoices,which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. By: Dated: A R 0 4 22001. ANGELICA MARUNEZ Authorized Representative SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff gatt,t� �i 4;ttittrrr���fb Jody S Smithy MAY 2$ , ::,, Chief Deputy n _ Richard W Stewart "UMBERLAND COUIN i ' Solicitor PcNNSYLVANIA CACH, LLC Case Number vs. 2014-2751 Franklin J Lynch, Sr SHERIFF'S RETURN OF SERVICE 05/15/2014 08:11 PM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Complaint& Notice by handing a true copy to a person representing themselves to be Darlene Lynch, wife, who accepted as"Adult Person in Charge"for Franklin J Lynch, Sr at 284 Stumpstown Road, Monroe Township, Mechanicsburg, PA 17055. RONALD HOOVER, DEPUTY SHERIFF COST: $39.79 SO ANSWERS, May 16, 2014 RON R ANDERSON, SHERIFF