HomeMy WebLinkAbout14-3885 Supreme CourfW Pennsylvania
sr �`�.
Court ovcdxnmo'kyleas For Prottwnotmy Use Only:
CiJlMbve rSlieet Docket No: y �'
CCounty J
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the frying and service of pleadings or other papers as required by law or rules of court.
Commencement of Action:
S 0 Complaint [ Writ of Summons O Petition.
E El Transfer from Another Jurisdiction .Declaration of Taking
C Lead Plaintiffs Name: Lead Defendant's Name:
CACH,LLC MATTHEW S GAMBER
T Dollar Amount Requested: Owithin arbitration limits
I Are money damages requested? [Q Yes 0 No
(check one) []outside arbitration limits
O
N Is this a Class Action Suit? U Yes ['No, Is this an 111DJAppeal? [3 Yes d No
A. Name of Plaintiff/Appellant's Attorney: ALLAN C. SMITH,ESQ.
0 Check here if you have no attorney(area Self-Represented [Pro Se]Litigant)
Nature of the Case.: Place an"X' to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than.one type of claim,check the one that
you consider most important.
TORT (do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS
O.Intentional 0 Buyer.Plaintiff Administrative Agencies
0 Malicious Prosecution Debt Collection:.Credit Card 0 Board of Assessment
0 Motor Vehicle 0 Debt Collection:.Other 0 Board of Elections
0 Nuisance Dept. of Transportation.
0 Premises Liability 8 Statutory Appeal:Other
S 0 Product Liability(does not include
F. mass tort) �Employment Dispute:
SlanderJLibe1/Defamation Discrimination
C 0 Other: 0 Employment Dispute: Other 0.Zoning Board
,T 0 Other:
I 0 Other:
d AMASS TORT
0 Asbestos
N 0 Tobacco
Toxic Tort-DES _
0 Toxic Tort.-Implant REAL PROPERTY MISCELLANEOUS
0 Toxic.Waste
Other: ❑Ejectment 0 Common Law/Statutory Arbitration
B 0 Eminent Domain/Condemnation 0 Declaratory Judgment
0 Ground Rent Mandamus
El0 Landlord/Tenant Dispute Non-Domestic Relations
0 Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABLITY 0 Mortgage Foreclosure: Commercial 0 Quo Warranto
0 Dental 0 Partition 0 Replevin
0 Legal 0 Quiet Title 0 Other:
0 Medical 0 Other:
0 Other.Professional:
Updated 1!111011
* Q 2 5 1 6 2 - C O M - 1 -
Y ;
Law Firm of Allan C. Smith,P.0
Attorney ID: 204756 1 4
1276 Veterans Highway �r��^ `
Suite E-PA 19007 �, � �y t�P�Iljjy j- '
Bristol,
(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.:
MATTHEW S GAMBER )
304A N SAINT JOHNS RD )
CAMP HILL,PA 17011 )
GAMBER CHIROPRACTIC )
304A N SAINT JOHNS RD )
CAMP HILL,PA 17001 )
COMPLAINT
To: MATTHEW S GAMBER
304A N SAINT JOHNS RD
CAMP HILL,PA 17011
and
GAMBER CHIROPRACTIC
304A N SAINT JOHNS RD
CAMP HILL,PA 17001
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 � �(A Q 163.7Spe
32 SOUTH BEDFORD STREET l/"
CARLISLE,PA 17013.
Telelphone: 249-3166
1
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) dias de plaza al 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 ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR
TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE 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
Defendants MATTHEW S GAMBER AND GAMBER CHIROPRACTIC, 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, MATTHEW S GAMBER, is an individual residing at 304A N SAINT
JOHNS RD , CAMP HML,PA 17011 and Defendant, GAMBER CHIROPRACTIC is a
business residing at 304A N SAINT JOHNS RD, CAMP HILL,PA 17001.
3. Plaintiff's cause of action is based upon a writing.
4. Defendants,MATTHEW S GAMBER AND GAMBER CHIROPRACTIC, was
indebted to WELLS FARGO BANK,N.A.for a breach of the written contract by and
between them in the amount of$5,114.52 which balance was due and unpaid as of
March 16,2012, for credit card account number 4856200609095107. <Exhibit A>
5. On or about March 23, 2013, sold the debt for good and valuable consideration to
plaintiff, CACH,LLC<Exhibit B>
6. The Defendants,Matthew S Gamber And Gamber Chiropractic, last tendered a payment
on 02/13/2012.
7. Pursuant to P.R.C.P Rule 1019(i), 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.
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 $5,114.52/ 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
defendants have failed to remit payment.
WHEREFORE, plaintiff demands judgment against the defendants for $5,318.27 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: May 19,2014
� � Q
Ilan C.Smit ,Esq.
EXHIBIT A
1 1.
For 24-Hour Customer Service Call:1-800-225-5935 WELLS FARGM BUSINESS CARD
M VISA
Prepared For MATTHEW S GAMBER
Account Number 4856 2006 0909 5107 Send Inquiries To:
Statement Closing QatB03115112 WF BUSINESS DIRECT P.O.BOX 348750 SACRAMENTO,CA 95634.
Credit Line $5,000 Send Payments To:
_......................................................_.................................................................................._...............................
Available Credit $0 PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM,IL 60197-6426
Account Summa ;Payment Information- ___ -_ For your records-
Previous Balance $4,957.53- New Balance $5,114.52 Amount Paid:
Credits $0.00 Curret Payment Due $208.00
Payments $0.00 Past onua Amount $841.00
+Purchases&Other Charges $50.00 Total Amount Due $1,049.00 Check Number:
+Cash Advances $0.00 Current Payment Due.Date 04/09/12 1 � _ j
+FINANCE CHARGE $106.99
New Balance $5.114.52 Overlimk Amount $114.52 Date Paid:
Your Past Due Amount of$841.00 is due immediately ' I
' Your Current Payment of$208.00 is due 04109112 ]
Rate Information
IF YOU WISH TO PAYOFF YOUR BALANCE IN FULL:
THE BALANCE NOTED ON YOUR STATEMENT IS NOT THE PAY OFF AMOUNT,PLEASE CALL 800.225.5935 FOR PAYOFF INFORMATION,
YOUR RATE MAY VARY ACCORDING TO THE TERMS OF YOUR AGREEMENT
ANNUAL DAILY AVERAGE PERIODIC TRANSACTION TOTAL
INTEREST FINANCE DAILY FINANCE FINANCE FINANCE
Type of Balance RATE CHARGE RATE BALANCE CHARGES CHARGES CHARGES
PURCHASES 25.997% 77120% $3,88176 $82.96 $0.00 $82.96
CASH ADVANCES 25.990% .07120% $1,125.28 $24:03 $0.00 $24.03
TOTAL $106.99 $0.00 $106.99
... .... .....- .. . ..............._.._......_._..........._.................._.._......_........._._..............._............_...........................__._..........................._........................................__................_..-........._...............---......_.._.............................._.......,
Days In Billing Cycle 30
Important Information
YOUR ACCOUNT IS SERIOUSLY PAST DUE.IT IS IMPERATIVE YOU
CONTACT WELLS FARGO BANK AT 1-888-715-4315
TOTAL'FINANCE CHARGE` BILLED IN 2011 $1317.43
TOTAL"FINANCE CHARGE' PAID IN 2011 $1316.80
THE OVERLIMIT AMOUNT IS DUE AND PAYABLE IMMEDIATELY.PLEASE SEND A PAYMENT TO:
PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM IL 60197-6426.
EXCEEDING YOUR CREDIT LIMIT IS CONSIDERED A DEFAULT.
IF YOU DEFAULT YOU MAY HAVE TO PAY OVERLIMIT FEES AND COLLECTIONS COSTS,
YOUR INTEREST RATE MAY INCREASE,AND WE MAY CLOSE YOUR ACCOUNT.
This Account is closed to future transactions.
Transactions
Trans Post Reference Number Description Credits Charges
03115 03115 LATE CHARGE $0.00
PERIODIC*FINANCE CHARGE" PURCHASES$82.96 CASH ADVANCE $24.03 106.99
See reverse side for important information.
5596 YTG I 7 10 120315 0 FX PAGE 1 of 1 10 5921 0600 nxnC OIDQ5596
Detach and mail mith check payable to Wells Fargo so that your payment is received no later than the"Payment Due"date.
Make checks payable to:Wells Fargo
Account Number 4856 2006 0909 5107
tJewBalance $5,114.52 10490005114520048562006090951072
Total Amount Due $1,048.07
Current Payment Due Date 04/09!12
Print address or
phone changes:
Amount wo
Enclosed:
CAMBER CHIROPRACTIC
�Ilr��l"'lll'tII1111PJ�ht'I'Il�ll�lll�ll��ll��utl'lll�ll�lrl MATTHEW S GAMBER
PAYMENT REMITTANCE CENTER YTG PO BOX 245
PO BOX 6426 65 CAMP HILL PA 17001-0245
CAROL STREAM IL 60197-6426 �hllll'llI'I Jill 11
IF YOUR CARD IS EVER LOST OR STOLEN. QUESTIONS ABOUT YOUR STATEMENT.
Please notify us immediately by calhng: 1(800)225-5935, If you have a question about your statement,please write to its
24 hoursa day,7 days a week. within 30(lays aflcr The statement was mailed to you.]'lease
use a separate letter and include your account number and the
date of the statement in question.
This address is for inquiries only.For payments use the address
on due payment coupon at the bottom of the statement.
\fail to:
1l'ells Fargo
Business Direct Operations
Attn:Customer Service
P.O.Box 348750
Sactatncnto,CA.9.5834
FOR ALL YOUR PERSONAL OR BUSINESS FINANCIAL SERVICE NEEDS
VISIT US AT WWW.WELLSFARGO.COM
PAYMENT INSTRUCTIONS
Please detach and mail this section with your check to the P YNIENT REMITTANCE CENTER address on the reverse side of this
paynwnt coupon.One or more accounts may be paid with one check provided Wells Fargo Hank receives the following:a Completed
payment coupon from each statement;or a document indicating the portion of the payment to be credited to each account number;and
a check equal to the minimum payment due of all accounts,or payment in full for all accounts.
\ote:Payments that are received as of 5 p.m.oil any business day will be credited as of the date of receipt.For your convenience,we
have included an envelope and a billing coupon to ensure timely posting.Payments we receive after 5 p.m.or on non—business days
will be credited as of the next business day.Payments made at other Wells Fargo locations may not be credited for up to five business
days.
1^2010 wells Fu go murk.N.A.All Rights Reserved. 01005196-3-12/08/10
r k
For 24-Hour Customer Service Cali:1-800-225-5935 WELLS FARGO®BUSINESS CARD
VISA
Prepared For MATTHEW S GAMBER
Account Number 4856 2006 09099 5107 Send Inquiries To:
Statement Closing Dat@ 03/16112 WF BUSINESS DIRECT P.O.BOX 348750 SACRAMENTO,CA 95834-
Credit Line $5,000 Send Payments To:
...................................................................–..........._...............................-....................................................................
Available Credit s0 PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM,IL 60197-6426
Account Summary Payment Information T— For your records:
_
Previous Balance $5,114.52 New Balance $0.00 Amount Paid:
Credits _ $5114.52 Current Payment Due _ $0.00 W W
Payments $0-00 Current Payment Due Date 04/06/12
+Purchases&Other Charges $0.00 Check Number:
+Cash Advances $0.00 Overlimit Amount $0.00 — _-.
+FINANCE CHARGE $0.00 s............... .....................................................
=New Balance $0.00 Date Paid:
Rate Information
IF YOU WISH TO PAYOFF YOUR BALANCE IN FULL:.
THE BALANCE NOTED ON YOUR STATEMENT IS NOT THE PAY OFF AMOUNT.PLEASE CALL 800-225.5935 FOR PAYOFF INFORMATION.
YOUR RATE MAY VARY ACCORDING TO THE TERMS OF YOUR AGREEMENT
ANNUAL DAILY AVERAGE PERIODIC TRANSACTION TOTAL
INTEREST FINANCE DAILY FINANCE FINANCE FINANCE
Type of Balance RATE CHARGE RATE BALANCE CHARGES CHARGES CHARGES
PURCHASES 25.990% .0712090 $0.00 $0.00 $0.00 $0.00
CASH ADVANCES 25.9909'0 .07120% $0.00 $0.00 $0.00 $0.00'
TOTAL $0.00 $0.00 $0.00
............ ............._......__............_..........---.........................................._.._......_...._.............-................._.........._............-............_._......__.._........._.._.........__.........._..............................__.........................................................__..............._.............._.._...,
Days In Billing Cycle 2
Important Information
TOTAL*FINANCE CHARGE' BILLED IN 2011 $1317,43
TOTAL*FINANCE CHARGE` PAID IN 2011 $1316.80
THE OVERLIMIT AMOUNT IS DUE AND PAYABLE IMMEDIATELY.PLEASE SEND A PAYMENT TO:
PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM IL 60197-6426,
EXCEEDING YOUR CREDIT LIMIT IS CONSIDERED A DEFAULT.
IF YOU DEFAULT YOU MAY HAVE TO PAY OVERLIMIT FEES AND COLLECTIONS COSTS,
YOUR INTEREST RATE MAY INCREASE.AND WE MAY CLOSE YOUR ACCOUNT.
This Account is closed to future transactions.
Transactions
Trans Post Reference Number Description Credits Charges
03/16 03116 F592100EWO0999990 CHARGE OFF ACCOUNT-PRINCIPALS 4,724.32
03116 03/16 F592100EW00999990 CHARGE OFF ACCOUNT*FINANCE CHARGES' 390.20
See reverse side for important information.
5596 YM 1 5 10 12031.6 0 2Y.PAGE 1 aE I 1'0 5921 D600 SWC 01DQ5596
Detach and mail with check payable to Wells Fargo so that your payment is received no later than the'Payment Due'date.
Make checks payable to:Wells Fargo
Account Number 4856 2006 0909 5107'
New Balance $0.00 00000000000000048562006090951076
_...... _.......
TotalAmount,Rue .... SO,U4_
Current Payment Due Date 04/06112
Print address or
phone changes:
Amount r Work! )
Enclosed: �T(; a `' .. .. . .......
.-- --. .
GAMBER CHIROPRACTIC
Ii�l�hl�t�lllll'I�IIII1JunIJlr�ul"'I�IIIIi11i11"��I'll'lll MATTHEW SGAMBER
PAYMENT REMITTANCE CENTER YTG PO BOX 245
PO BOX 6426 65 CAMP HILL PA 17001-0245
CAROL STREAM IL 60197-6426 �IIIJuhlrl�d��lllll'�II�I'�'�I�'�'I'�'ll�ll�'�III'1��I1111�11
IF YOUR CARD IS EVER LOST OR STOLEN. QUESTIONS ABOUT YOUR STATEMENT.
Please notify us inutlediately by calling: 1(800)225-5935, If you have a question about your statement,please write to us
24 hours a(lay,7 da s a week. within 30(Llys afler the slalemenl.was mailed to you.Please
use a separate letter and include your account mmniber and the
date of the statement in question.
This address is for inquiries only.For payments use theaddress
on the payment coupon at the bottom of the statement.
Mail to:
NVells Fargo
Business Dircct Opctations
Attn:Customer Service
P.O.Box 348 750
Sacramento,CA.9.5834
FOR ALL YOUR PERSONAL OR BUSINESS FINANCIAL SERVICE NEEDS
VISIT US AT WWW.WELLSFARGO.COM
PAYMENT INSTRUCTIONS
Please detach and mail this section with your check to the PAYMENT REMITTANCE CENTER address on the reverse side of this
paymcnl coupon.One or more accounts may be paid with one check provided Wells Fargo Hank receives the following:a completed
payment coupon from each statement;or a document indicating the portion of the payment to be credited to each account number;and
a check equal to the minimum payment due of all accounts,or payment in full for allaccotmts.
Note:Payments that are received as of 5 p.m.on any business day will be credited as of the date of receipt.For your convenience,we
have included an envelope and a billing coupon to ensure timely posting.Payments we receive after 5 p.m.or on non—business days
will be credited as of the next business day.Payments made at other Wells Fargo locations may not be credited for up to five business
days.
4;20111 Wells Furgo Bunk.N.A.All Righes Rcxrvcd. t 111)Q5i9C-3-12/08/10
1 �
For 24-Hour Customer Service Call:1-800-225-5935 WELLS FARGOO BUSINESS CARD
VISA
Prepared For MATTHEW S GAMBER
Account Number 4856 2006 0909 5107 Send Inquiries To:
-- ---- --
Statement CIOSin_g Data •___ ,�_ 03!16!1...
Credit Line $5,000 Send Payments To:
.............._........................._.........__._................................-.........................................................................
....
Available Credit $0 PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM,IL 60197-6426
Account Summa Pa merit lnforrnation —_ For your records:.
Previous Balance $5,114.52 New Balance 0.00 Amount Paid:
Credits $5,114.52 Current Payment Due $0.00
Payments $0.00 Current Payment Due Date 04/06/12I$ I
+Purchases&Other Charges $0.00Check Check Number:
+Cash Advances $0.00 rOverlim t Amount — $0.00
+FINANCE CHARGE $0.00
......................................._.......................................
=New Balance $0.00 Date Paid:
r.___._.
Rate Information
IF YOU WISH TO PAYOFF YOUR BALANCE IN FULL:
THE BALANCE NOTED ON YOUR STATEMENT IS NOT THE PAY OFF AMOUNT.PLEASE CALL 800-225-5935 FOR PAYOFF INFORMATION.
YOUR RATE MAY VARY ACCORDING.TO THE TERMS OF YOUR AGREEMENT
ANNUAL DAILY AVERAGE PERIODIC TRANSACTION TOTAL
INTEREST FINANCE DAILY FINANCE FINANCE FINANCE
Type of Balance RATE CHARGE RATE BALANCE CHARGES CHARGES CHARGES
PURCHASES 25.990% 07120% $0.00 $0.00 $0.00 $0.00
CASH ADVANCES 25.990% .071201Y. $0.00 $0.00 $0.00 $0.00'
TOTAL:......._......_.........._........_............................... -............_...........__............................._._. ....._..._..__.............._$0.00..........._.............._......_50.. ......_......................._50:00__........,
Days In Billin C cle 2
Important Information
TOTAL*FINANCE CHARGE' BILLED IN 2011 $1317.43
TOTAL*FINANCE CHARGE` PAID IN 2011 $1316.80
THE OVERLIMIT AMOUNT IS DUE AND PAYABLE IMMEDIATELY.PLEASE SEND A PAYMENT TO:
PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM IL 60197-6426.
EXCEEDING YOUR CREDIT LIMIT IS CONSIDERED A DEFAULT.
IF YOU DEFAULT YOU MAY HAVE TO PAY OVERLIMIT FEES AND COLLECTIONS COSTS,
YOUR INTEREST RATE MAY INCREASE.AND WE MAY CLOSE YOUR ACCOUNT.
This Account is closed to future transactions.
Transactions
Trans: Post Reference Number Description Credits Charges
03/16 03116 F592100EW00999990 CHARGE OFF ACCOUNT-PRINCIPALS 4,724.32
03/16 03/16 F592100EW00999990 CHARGE OFF ACCOUNT`FINANCE CHARGES" 390.20.
See reverse side for Important information.
5596. YTG 1 5 10 120316 0 2XPAGE 1 of 1 1.0 5921 0600 PXDC 01DQ5596
Detach and mail with check payable to Wells Fargo so that your payment is received no later than the"Payment Due'date.
Make checks payable to:Wells Fargo
Account Number 4856 2006 0909 5107
New Balance ^ $0.00 00000000000000048562006090951076
_ ......... _. ... ..
Total Amount Due ,,, _ $0:00;
Current Payment Due Date 04/06/12
Print address or
phone changes:
Amount Work( )
Enclosed: .::
GAMBER CHIROPRACTIC
II�I�h1���111I1'I�Illlduul�lhluhrd�lllli11i11"��I'll'III MATTHEW S GAMBER
PAYMENT REMITTANCE CENTER YTG PO BOX 245
CAMP HILL PA 17001-0245
PO BOX 6426 65
CAROL STREAM IL 60197-6426 �IIIJr�hlrl�rlr�lllll'�II�I''�I�'�'I'�'ll�ll�'�III'I��IIIII�II
� II
IF YOUR CARD IS EVER LOST OR STOLEN, QUESTIONS ABOUT YOUR STATEMENT.
Please notify us immediately by calling: 1(800)225-5935, If you have a question about your statement,please write to us
24 bora a clay,7 d 1ys a week. Within 30(Ltyx after the statement.was mailed to you.1'lwsc
use a separate letter and include your account number mid the
date of the statement in question.
This address is for inquiries only.For payments use lite address
on the payment coupon al the bottom of the statement.
Nfail to:
NN"ells Fargo
Business Direct Operations
Attn:Customer Service
P.O.Box 348750
Sacramento,CA 95834
FOR ALL YOUR PERSONAL OR BUSINESS FINANCIAL SERVICE NEEDS
VISIT US AT WWW.WELLSFARGO.COM
PAYMENT INSTRUCTIONS
Please detach and mail this section with your check to the PAYAfENT RENUT1ANCE CENTER address on the reverse side of this
payment coupon.One or more accouius may be paid with one check provided Wells Fargo Bank receives the following:a completed
payment coupon from each statement;or a document indicating the portion of the payment to be credited to each account number;and
a check equal to the minimum payment clue of all accounts,or payment in full for all accounts.
Note:Payments that are received as of 5 p.m.on may business day will be credited as of the date of receipt.For your convenience,we
have included an envelope and a billing coupon to ensure timely po!;ring.Payments we receive after.5 p.m.or on non—business days
Will be credited as of the next business day.Payments made at other Wells Fargo locations may not be credited for up to five business
days.
2720111 Wells Fargo Bunk.N.A.All Rights RekTvcd. 01[)Q5596-1-12/09/10
E
For 24-Hour Customer Service Call:1-800-225-5935 WELLS FARGOO BUSINESS CARD
VISA
Prepared For MATTHEW S GAMBER
Account Number 4856 2006 0909 5107 Send Inquiries To:
Statement Closin0ate _ 03/15112 WF BUSINESS DIRECT P.O.BOX 348750 SACRAMENTO,CA 95834.
CreditLine.......................................................__................................I......................................_55.000... Send Payments To:
Available Credit $0 PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM,IL 60197.6426
Account Summary For your records:.
Previous Balance $4,957.53 !New Balance $5,114,52 Amount Paid:
Credits $0.00 Current Payment Due $208.00
Payments $0.00 Past Due Amount $841.00
+Purchases 8 Other Charges $50.00 Total Amount Due $1,049.00 Check Number:
+Cash Advances $0.00 Current Payment Due Date 04/09/12 1
+FINANCE CHARGE $106.99
=New Balance $5.114.52 C Overlimit Amount $114.52 Date Paid: .
Your Past Due Amount of$841.00 is due immediately
Your Current Payment of$208.00 is due 04/09112
Rate Information
IF YOU WISH TO PAYOFF YOUR BALANCE IN FULL:
THE BALANCE NOTED ON YOUR STATEMENT IS NOT THE PAY OFF AMOUNT.PLEASE CALL 800-225.5935 FOR PAYOFF INFORMATION.
YOUR RATE MAY VARY ACCORDING TO THE TERMS OF YOUR AGREEMENT
ANNUAL DAILY AVERAGE PERIODIC TRANSACTION TOTAL
INTEREST FINANCE DAILY FINANCE FINANCE FINANCE
Type of Balance RATE CHARGE RATE BALANCE CHARGES CHARGES CHARGES
PURCHASES 25.990°!0 .07120% $3,883.76 $82.96 $0.00 $82.96
CASH ADVANCES 25.990% .07120% $1,125.26• 524.03 $0.00 $24.03
TOTAL ...................._..........--........................—....._....8106.99......._.....................50.00......._.._......_.._._5106:99..............
.
€Days In Billina Cvcle 30
Important Information
YOUR ACCOUNT IS SERIOUSLY PAST DUE.IT IS IMPERATIVE YOU
CONTACT WELLS FARGO BANK AT 1-888-715.4315
TOTAL*FINANCE CHARGE` BILLED IN 2011 $1317.43
TOTAL*FINANCE CHARGE" PAID IN 2011 51316,80
THE OVERLIMIT AMOUNT IS DUE AND PAYABLE IMMEDIATELY.PLEASE SEND A PAYMENT TO:
PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM IL 60197.6426.
EXCEEDING YOUR CREDIT LIMIT IS CONSIDERED A DEFAULT.
IF YOU DEFAULT YOU MAY HAVE TO PAY OVERLIMIT FEES AND COLLECTIONS COSTS,
YOUR INTEREST RATE MAY INCREASE,AND WE MAY CLOSE YOUR ACCOUNT.
This Account is closed to future transactions.
Transactions
Trans Post Reference Number Description Credits Charges
03115 03115 LATE CHARGE 50.00
PERIODIC*FINANCE CHARGE' PURCHASES $82.96 CASH ADVANCE $24.03 106.99
See reverse side for important information.
5596 YTG 1 7 10 120315 0 FX PAGE 1 of 1 1.0 5521 0600 EXDC 01DO5596
Detach and mail with check payable to Wells Fargo so that your payment is received no later than the`Payment Due-date.
Make checks payable to:Wells Fargo
Acco_um Number 4856 2006 0909 5107
New Balance $5,114.52 10490005114520048562006090951072
.............................-..__-__._.__..........._._.__.....-........_........
......
Total Amount Due 51,049:fl0,
Current Payment Due Date 04/09/12
Prim address or
phone changes:
Amount .._._........
_
Enclosed: $' Work( ) ....
GAMBER CHIROPRACTIC
Jill 1111711111111111111111111oil III 111111111 Jill 11iii111111111111 MATTHEW S GAMBER
PAYMENT REMITTANCE CENTER YTG PO BOX 245
PO BOX 6426 65 CAMP HILL PA 17001-0245
CAROL STREAM IL 60197-6426 �Itll�ltll�'��fl'l�'i111��r11�����ll�llll111"'I"l�I�IIIIIIIIiIt
r u
IF YOUR CARD IS EVER LOST OR STOLEN. QUESTIONS ABOUT YOUR STATEMENT.
Please notify us immediately by calling:1(W))225-593$, If you have a question about your statement,please write to us
24]tours a day,7 days a week. within 30 days after the statement was mailed to you.Please
UNC a separate letter and include your account number and the
date of the statement in question.
This address is for inquiries only.For piyments use the address
on the payment coupon at the bottom of the statement.
Mail to:
NN ells Fargo
Business Direct Operations
Attn:Customer Service
P.O.Box 348750
Sacramento,CA 95834
FOR ALL YOUR PERSONAL OR BUSINESS FINANCIAL SERVICE NEEDS
VISIT US AT WWW.WELLSFARGO.COM
PAYMENT INSTRUCTIONS
Please detach and mail this section with your check to the PAYNffiNT RENZT17ANCE CENTER address on the reverse side of this
payment coupon.One or more accounts may he p.dd with one check provided Wells Fargo Hank receives the following:a completed
payment coupon from each statement;or a document indicating the portion of the payment to be credited to each account number;and
a check equal to the minimum payment due of all accounts,or payment in full for all accounts.
Note:Payments that are received as of 5 p.m.on any business day will be credited as of the date of receipt.For your convenience,we
have included an envelope and a billing coupon to ensure timely posting.Payments we receive after 5 p.m.or on non—business days
will be credited as of the next business day.Payments made at other Wells Fargo locutions may not be credited for up to five business
days.
2;21110 Wella Fargo IBa6.N.A.All Riglns Rl'WTe U'd. 01DQ)559C-3-12/0R/10
� a
For 24-Hour Customer Service Call:1-800-225-5935 WELLS FARGM BUSINESS CARD
• VISA
Prepared For MATTHEW S CAMBER
Account Number 4856 2006 0909 5107 Send Inquiries To:
Statement Closing Date 02114!72 WF BUSINESS DIRECT P.O.BOX 348750 SACRAMENTO,CA 95834.
Credit Line $5,000 Send Payments To:
......................__.............................................._.........................................................
Available Credit $0 PAYMENT REMITTANCE CENTER PO BOX 6426 CAROL STREAM,IL 60197-6426
Account Summary For your records:
Previous Balance $5.049.58 New Balance $4,957.53. Amount Paid:
Credits $0.00 Current Pa ment Due $204.00
Payments $247.00 Past Due Amount $637.00 $
+Purchases 8 Other Charges $50.00 Total Amount Due $841.00 Check Number:
+Cash Advances $0.00 Current Payment Due Date 03/12112 _
+FINANCE CHARGE. $104.95
...._..........._.............................................................f
=New Balance $4.957.53 Your Past Due Amount of$637,00 is due immediately. Date Paid:
Your Current Payment of$204.00 is due 03112112
}
4
i
Rate Information
iF YOU WISH TO PAYOFF YOUR BALANCE IN FULL,,
THE BALANCE NOTED ON YOUR STATEMENT IS NOT THE PAY OFF AMOUNT.PLEASE CALL 800-225-5935 FOR PAYOFF INFORMATION,
YOUR RATE MAY VARY ACCORDING TO THE TERMS OF YOUR AGREEMENT
ANNUAL DAILY AVERAGE PERIODIC TRANSACTION TOTAL
INTEREST FINANCE DAILY FINANCE FINANCE FINANCE
Type of Balance RATE CHARGE RATE BALANCE CHARGES CHARGES CHARGES
PURCHASES 25.9900% .07120% $3,934.92 $81.24 $0.00 $81.24.
CASH ADVANCES 25.990% .07120% $1,148.26 $23.71 $0.00 $23.71
TOTAL........................._.............._.._........_............_.............._._. ..........._...........3104:95.................................._b0:00......._................_$104:95......._...,
Paj§In Billing Cycle 29
Important Information
YOUR ACCOUNT IS THREE MONTHS PAST DUE AND SERIOUSLY DELINQUENT.
PLEASE REMIT THE TOTAL AMOUNT DUE AND CONTACT US AT 1-888-843-9531.
TOTAL*FINANCE CHARGE' BILLED IN 2011 $1317.43
TOTAL"FINANCE CHARGE" PAID IN 2011 $1316.80
This Account is closed to future transactions.
Transactions
Trans Post Reference Number Description Credits Charges
02113 02113 7485620DW223YZ5BQ Phone Payment YOM 0213 00655476 247.00
02114 02114- LATE CHARGE 50.00
PERIODIC*FINANCE CHARGE' PURCHASES $81.24 CASH ADVANCE $23.71 104.95
See reverse side for important information.
5596 1'TG 1 7 10 120214 0 FD PAGE F of 1 10 5921 0600 EXOC Dl DQ5596
Detach and mail viith check payable to Wells Fargo so that your payment is received no later than the'Payment Due'date.
Make checks payable to:Weiss Fargo
Account Number 4856 2006 0909 5107
-N—W6 lance $4,957:53 08410004957530048562006090951075
Total Amount Due $841.00
Current Payment Due Date03112112
Print address or
phone changes:
Amount Work( )
. ..
Enclosed:
...--.... ....
GAMBER CHIROPRACTIC
II�IIIJ�I�IrIIn�111�I1h�u61h�61in61l�lrinll"��Ilp'll�
MATTHEW S GAMBER
PAYMENT REMITTANCE CENTER YTG PO BOX 245
PO BOX 6426 65 CAMP HILL PA 17001-0245
CAROL STREAM IL 60197-6426 r�lllll�'IIId�III�III��Ilrllllr'ullullln��dll�llllll'I�Irllr
IF YOUR CARD IS EVER LOST OR STOLEN. QUESTIONS ABOUT YOUR STATEMENT.
Please notify us immediately by callutg:1(800)223-1935, If you have a question about your statement,please write to us
24 hour a day,7 days a week. within 30 days after the statementwas mailed to you.Please
use a separate letter and include your account number and the
date of the statement in question.
This address is for utquiries only.For payments use the address
on the payment coupon at the bottom of the statement.
\.fail to:
Wells Fargo
Business Direct Operations
Attn:Custorner Service
P.O.Box 344750
Sacramento,CA 95834
FOR ALL YOUR PERSONAL OR BUSINESS FINANCIAL SERVICE NEEDS
VISIT US AT WWW.WELLSFARGO.COM
PAYMENT INSTRUCTIONS
Please detach and mail this section with your check to the PAYXfENT RE\-=AN(E CENTER address on the reverse side of this
payment coupon[.One or more accounu may be paid with one check provided Wells Fargo Rank receives the following:a completed
payment coupon from each statement;or a document indicating the portion of the payment to be credited to each account number;and
a check equal to the minimum payment(lite of all accounts,or payment in full for all accounts.
\ote:Payments that are received as of 5 p.m.on any business day will be credited as of the date of receipt.For your convenience,we
have included an envelope and a billing coupon to ensure timely posting.Payments we receive after 5 p.m.or on non—business days
will be credited as of the next business day.Payments made at other Wells Fargo locations may not be credited for up to five business
days.
4:20111 Wella Fargo Bank.N.A.All Righty Rc.KTVed. 1111105596-3-12/08/10
1 }1
EXHIBIT B
a r
CERTIFICATE OF PURCHASE
I,
PET ER HUE_ , hereby depose and state that:
1. 1 am an Authorized Agent of CACH, L.L.C.a Colorado Limited Liability Company.
2. As such, I am authorized to give this Certificate, and possess sufficient personai
knowledge to do so regarding:
Customer Names: MATTHEW S GAMBER and GAMBER
CHIROPRACTIC
Original Creditor: WELLS FARGO BANK, N.A.
Account Number: 4856200609095107
3. On or about March 23,2013 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.
jUN 1 0 2014
Date:
By:
r
. J
S'
Sworn and subscribed to before
�
2`01114
me this day of"' ` �° ` 2014.
9Public
� u�+"i i:':H• Si.):Ufir.:'ri:r�:, 2iT'f� _' S
x
KibibK 1
811.1.nF SALB
This Bill of-Sak W am and Into chis 21st deer of March;2013 pum at to drat
oertain Agrterrrart for the Prsrhsse.attd Sale-of Charpd-Off Accounts ("Agmmwm")
eflbodve se of.Much 21, 2013 by and between CACH. LLC, as buyer C'Buyw"j and
Wella Fargo Be*N.A.,as sealer("Weals Fargo'.
For good and valuable consWlerWon as mora particularly set forth in the Agreemem,
Wells Fargo Hereby assigm sells, transfers and convoys.to Buyer, and Buyer booby.
accepts Ihm Wells Fargo, without mecum except-as specifically provided in Section 4
of the Agrt e.mm, the Ace mos described in to Account Schedule attached hereto as
Seller: Wells Fera Bak.N.A.
Buyer: CACH,LLC
Number of Aca mm _
List of Accounts: Attacked hamo as Schedule A
Unpaid Ba*m of Acmu.0s:
Cut-off Date.
Closing Date:
CACH,LLC WELLS FARGO BANK..N.A.
By: .r~ _ _ By:
Name:
Thk: Priv Title:
Date s��r�[3 Date
y
awn, tt..[uri l4:uhAM ULLS FARGO NO 1660 P. 23/30
Exhibit I
=1 OF SAI
Thb Bill of Sats is ammad into t b 21st day of Maros, 2013'pum mt to dw
cern Agtee=d fw the Purchase and Sale of Chaegvd�Off Acoaoafs CAS'
edbWw as of March 21, 2013 by and boMm CACI,.LLC. as buyei ClhgaO, aed
Weft Pup Bade,N.A.,as seller("Web Fargo".
Fm SoW and voluble cangdmdon as mace p uticWadlr sat ibt in the Areemout,
WQs Fargo hessby assdgos, oag% tzawfen and conveys-to D qsr, end Buyer batt
eooepb Bam Wells Fqp.wMaut m mse mcept m spood&aliy pz+avided in Section 4
of*a Agreem+m;.the Aewuats dandbed la the Aceouttt She at WW bsaato as
Sona: Was FUp Baal N.A.
CACI,LLC
Number oPAcoautztsr �
List ofA*oou= Attehod hm%o as 8chedole.A
LkW Boom*of A ccov;os;�-
eut.Offnaae:��
Clodus Deb
CACK LLC WBUS FARO BAMS N
BY•
Nacre: N : Jglrr ,G, oi^rs r
Title:
Date
Q
a )
Affidavit of Sale
1,Roger Williams,Vice President of the Wells Fargo Business Direct a division of Wells Fargo Bank,NA.("Creditor")am
duly authorized by my employer Wells Fargo Bank,N.A.and sworn to make the following statements:
1.There is due,payable and owing from GAMBER,MATTHEW S and GAMBER CHIROPRACTIC
("Debtor"),which Debtor's account number is 4856200609095107(the"Acco(int"),the balance amount$5114:5.2
as of 3/26/2013(date)pursuant to the terms and conditions of the Account's agreement(the"Agreement").
Creditor opened or acquired the Account on 10/19/2006(date).The Agreement holds Debtor liable for reasonable
attorney fees.
2.The Account was,on 3/26 013,sold,transferred,-assigned and conveyed to CACH;LLC("Buyer")with full
power and authority to do and perform all acts necessary,for the collection,settlement,adjustment,compromise or
satisfaction of said claim.Further,up to the date of sale,Affiant states that,to the best of Affiant's knowledge,
information and belief,there are no uncredited payments,just counter claims or offsets against the Account or the
underlying debt.Further,Affiant acknowledges that,in making this affidavit,Buyer is now the owner of the
Account,and that Buyer has complete authority to settle,adjust compromise and satisfy the same and that
Creditor has no further'intdrest in the Account or the debt underlying the Account for any purpose.
3.Creditor is the originator of the Account and was the servicer of the Account prior to the sate of the Account to
Buyer.All applicable and appropriate legal documentation,including,but not limited to,the Agreement,was
executed by Creditor and/or Debtor,as applicable,in connection with the origination of the Account.Due to
Debtor's non-payment of the Account,Creditor charged-off and sold the Account to Buyer.The balance of the
Account.set forth in Paragraph 1 hereof is due and outstanding.
ffianes Signature)
Roger Williams,Vice President
DATED: 2 ��
STATE OF Arizona
COUNTY OF Maricoga
DATED: �/t J/1
Personally appeared/ the above-named Affiant and made oath that he/she has read the above and knows the contents hereof;
that the same is true of his personal knowledge;and I do hereby certify under my seal that I am authorized to administer
oaths under and by virtue of the laws of the State of Arizona.
Before Me: KEVIN A.IGRIESM]AANNOTARY PUBMARICOMy commiJune
Notary Public
1 �
EXHIBIT C
r
costs or exposes(Including anane•'s fees)arising out d any dais by Customs or arty third Custana with such notice as is required by law,by mating such notice to Customer at the laws!
party against Bank in connection with Banks perfarrtance of transfers as described above.; address sfnwn in Banks scads.Subject to applicable law and provided Bank does not notify
FOREIGN CURAENC1f TRANSACTIONS It Custorner otherwise,"changes wil appy to Ne wren balance of its Accounts as wall as to
you use your Business Card to engage in a full"balum •
transaction in a currency Ww than U.S.dollars('Foreign Currency Transaction'
),that
that amount
wD be wmerted Into U.S dfdlere MM M$C g to your AcW LIABILITY FOR UNAUT1WRf2E0 USE.Bank vii not hold Ostorner table to the u)ertthorized
FmOpCwMTnurrcUmProcedi=UarroregnOm yTransau ownandthe �ofAwartsubiecitottofolowhg: Business Card
tronsadlonisnotwmrertedtoUS.dollarsbytltemerchantbeff,MasterCardIternationalor (1)Cstanermstnobly Bank immediately dCustomersuspecsorlonowsthataBuisinessCard (VisaOBusiness Card and MasterCard BusinessCar&)
Visa International,depending on which cad is used,wit convert the transaction into a US. or SUPIUDfrCKS drab are lost or stolen,or in the possession of an unauthorized persar,
dollar amount by using its wwq conversion procedure in eltect at the fire the treraacl on is by calling 1-BOO22-M(t outside d the Urged States by staling(916)569.6782);
processed.Qmongy their regulations and pesos provide that the ciu encycorivo t& (2)aswm no follow up to Wepitnne rxtrr aster,within tern days by pnx4dng wnterh Customer Agreement
they use is edlher(1)a wtholesale marW to,which rate may very from the rale Visa Internalk al notice of the suspected or actual loss or theft of a Business Card or SUPERCHECKS drafts Effective Apel 1,2006
or MasterCard International isttl receives or(2)a govermherht�nerdatad rete to the applicable
to Well Fargo Fraud Investigation,PO Box 27M,Concord;CA 94521:
offlwq as determined under Visa or MasterCard regulation and procedures,as applicable. (3)Bads will laid Cuslorrer fable fa the unauthorized use of an Await C ten or mere This Business Card Customer Agreement('Agreement)governs the visa'of MasterCard'
This rate may ddfer tran the rale in effect when the tiam5edtdn occurred or when it was posted Business Cards have aver been issued to or at the request of the Custom Use of a Business Card Accord('Ac=s)that Well Fargo Bank NA('Bank'."wets establishing for
to the cardholders Account Bank may assess a Currency Conversion Fee by increasing the Business Card or SUPEIDECKS drafts by an Authorized User at my ting,even if an use by your bhahtau a pnWan('Custorrer.'you')and your designated representatives)
currency conversion rate by 3%. Authorbed User is no longer associad with or employed by Custom.does not easttute vhnse p
name appears on a Business Card issued at your request CAut1hodzed Usk mer
Custo
PoYd 01$6 Curmq Co wmion:Sane merchants outside bit the Udted States offer uracthorted use,subject to applicable law, accepts and agrees to be band by to Ctrs and conditions of the Agreement from the time
cardholders to opuorh of having card Carsadiiom converted to U.S.dollars by the mordant KL ING ERRORS.Customer agrees to no*Bads of any billing arras regarding a merdant rt Account is opena Use of the Avant.SUPERCHECKS-drafts,of a request for a transfer
itself during the transaction.ll that option is chosen the taasadtion is achaCy aiginated in U.S transaction posted to the Account wittm 30 days atter receipt at the staterrem retie %IN from the Account by an ANhahzed User,shall be wdenceltf Che Custaner's acceptance of the
dollars and the currency conversion rate is determined solely by to merchant No Currency errs.ff Back is cable to resolve to error with the responsible merchant Custom agrees to terms and conditions of this Agreement incNdirg but not limited to applicable Fnm Charges
Conversion Fee s assessed by to Bank for these rnerclhant corhveded Foreign Currency pay Bank the mount in question and fufher pursuit of the issue with the merchantwU becare and Other Charges.The A=tnt will be used for business purposes only.In no event stall the
Tramamo s. Custarers responsibility. AcmA be used for airy transaction that is ilegal under any applicable taw.Customer
CREDIT REPORTS AND RE-EVALUATION0F CREDIT.Custom autthavas Bank to obtain GOVERNING THIS AGREEIIENt The laws d the slate d South DAM(exdudi g its represents that 1 s not a Money Service Business as defined by federal taw,a has identified
business and personal credit bureau reports in the name d the Chstaner and guarentals)at conflict of taw provisions)and d the Untsd Slag d Amefta shall gum this Agreement C Itself ti Bank e r such a business s and has complied waft all=ply
with file laws.riles and
any time.Customer agrees to submit to Bards current financial inks aeon in the name of the any part of tis Agreement Carnot be enforced,this tact will not atfedt the rest el Otis Agreement. � governing such neniasset Customer agrees to comply waft eachh and every tam
Curs om and to submit a cause guarantor(s)to submit m Bank curw financial information n �k may delay,o forego enforcing any d as rights a remedies under this Agreerrert without and condition d Itis Agreerren as set tach below
i
the name of to guaratoXs)at any time upon request Such irtamation shall be used for the foiling therm.Notwithstanding 8114"to the contrary,this Agreement shall not require or permit CREDIT LIMIT:The Credo Uma of an Account's shown in separate care.sPondenCe provided
purposes el evasatrg a re evaluehrg Cuistarers and guararna(s)'credntwonChihess Upon the pay�t falling,reserving,receivirq.co�ckah a charging of any sums wnsthNrg interest to Customer at the time an Account 0 operred,and on each d the monthly periodic(billing)
determination of
that iiligCuslor to a guarrng C sl'aediNa Nirhess las longed adversely a does that exceed any maximum amount of uterest permitted by applicable law.Any such excess statements issued for that Account Customer agrees rot to use a permit the use of an Account
l not rminaatisfy Bartcs amort crest standards,Bards may dose a bora to Croda Limit on any es interest shell be credited against the Nan unpaid principal balance a refunded to Cusarner. n any way that will cause an Accdut to exceed tis Credit Uma.Custaner agrees that ft is
all Accouns.Bank may report as credit experience with Custom and is Accaud(s)to tiro Without I'mting the forego ng all d alatatias detartvnhhe whether interest exceeds the responsible to raying outsterhduhg advarhces under the Account including but not l muted to
partes.Custom agrees that Back may release itamation about Custom or Custaners mxmi n emit"shall be made by amortizing,p 4abg,aibcating and spreading such suns those that exceed is Credit Writ Bank may,at its option,assess an Overiima Fee.close the
Account to other Wells Fargo cakparim over the hull term of the loan,including all prior and subsequent renewals and exlarsions. Accotukt exercise any of is other remedies under this Agreement and red" Credit Limit
i ECOA INFORMATION.If any application for addliahal bus rhes credit s denied You have the Chapter 346 c ance the Texas FinCale(which regulates certain revolving credit accounts)shall without notice to you,except n those situations where notice s required by law.
right to a wr Cen statement of the specific reasons for the denial.To obtain Che statement,please not b arty revolv ng ben Accountsexstirg crier tl s Agreerrent PROWSE TO FAY Custom agrees to pay Bank when due,to W d e.9 purchases and I
contact he Business Direct loan Centel PO Box 79462,Rhoena,AZ&50389482.or can(600) rLPORTANT NOTICE T'0 CUSTOMERS WHO CONTACT BANK BY PHONE To ensue that advances made on the Acwurt.Custom also promises to pay the total of any Finance
231.9244,wo in 6D days from the data you are notified at our decision.We will send you a wrift Custtnees inquiries are handled promptly,courteously and aaaratey,some of this telephone Charges and Other Charges due on an Account,as stated in this Agreement,and an costs and
satemm of reasons for the denial wiftah 30 days of receiving your request for the statanent. calls between Bank employees and Customers may be monitored or recorded by Banks expenses including any arorrey's fees incurred in erd=N this Agreement.
Haft The federal Equal Credit Opportunity Act prohibits creditors from discamnating against MM"or managam ill personnel. CARD SERVICES.Customer will be issued one or more Business Cards as requested by
credo ap 'scants on the bass of race,color,religion,national origin,sex,marital starts,age TELEPHONE SERVICE You may co tacf us toll free from within the United Sratas at 1-8D Customer.An Account bearing a distinct acoaro number and Crede limit wig be established
(provided the applicant has the capacity to enter into a binding cmiraGr because all or part of CAI.LWELIS(1225.5934 C you need tocontact us from outside the United States you may for each Business Card issued for use by an Authorized User.The following services are
the applicant's income derives from any pudic assistance program:or because Che applicant can(916)5636782 available,up to to amount of the Leda Limit on each Adxount
has in good faith exercised any right oder the Consumer Credit Protection Act The federal TTY/TDO SERVICE.For M9DD service,mrtact a telephone relay service provider. Ptad ww A Business Card may be used to purchase goods or services wherever Visa or
agency that administers compliance with the taw is:District Office of the Co mpsoler of the
BANK ADDRESSES,
• MasterCard credit cards are accepted
GLrrency,1301 McKiney Sl Suite 345q Houston,TX 7701Q Cath Advmdaa:Cash may be advanced tram an Account by presenting the Business Card at
RIGHT TO TERMINATE AN ACCOUNT.Banc may terminate any a all d Customer's Accounts CA 9 payments to:WF Business Payrtent Processing,PO Brix 54349,Los Angeles
at any bre,a reduce the arrnutt of Customees Credit Limit on any a all of is Accounts,without Se d Inquiries
a franc al institution a ver x:W).You
lettern alsDmachine aATM')than accepts d p rf MasterCard
•Send Inquiries and correspondence to:Wells Fargo,Business Operations Support credit raids('Cash Advances').Ya can aso get a Cash Advance and pedant balance
notice,subject to app&able law.even though Custaner may not have dtef8lttsd on any PO Box 348750,Sacremeato,CA 95834 inquiries using you Business Card with a Personal Ideraikefion Number('PIN')at all Weis
va
i Ant t Banc terminateswut,an AcCustomer agrees to destroy any B sines Card(s)a Fargo"ATMs,or any ATM which displays any of the logos appearing on the back of you
SUPEACHECKS drafts issued on that Avant Customer agrees Nat t will continue to be CHANGES OF ADDRESS,TELEPHONE NUMBER,OR NAME.Customer agrees to Business Card.
responsible for full payment of the balance on the dosed Account(s)and all charges to the immediately ratify Banc n writing of any change of business or maling address,
Accoun(s),including,without lim labon:SUPERCHECKS advances,Purchases and Cash telephone number,or business name. SUPERCHECKS'ADVANCES SUPERCHECKS drafts are designed for use with an Account
Advances Cat post after termination of the Acwuut and any Fi arce Charge and Otho The drab may be used like normal bans checks.When the Bank recerves a draft.the Bards will
l Charges.Any principallowrer of Custaner may cancel the Account at any time upon written pay t by advancing the amount of the draft tram to Account unless the Account is delinquent
notification to Bank in default closed or the draft would cause the balance to go over to Credo Limit of the Account
You may not write SUPERCHECKS drafts as payment for your Account All SUPERCHECKS
CHANGE W TERMS OF AN ACCOUNL Bank may urtWwnCy curage my of do tams of BLD-010(00) drafts must be written in U.S.dollars.No fees are assessed when ordering SUPERCHECKS;
i any of Ctutwwr's AmM If Banka rote dWadlon d any tine,Balk will provide ®2006 Wens Fargo Bank,NA All sighs reserved. M'7W4 however,Transaction Frnce Charges may apply when the drafts are used.If you have a
-9- -10- 1
e dispt l with a merchant regarding property or services that you are unable to(Wire with the BLUNG OPTIONS:Accourt may be established with Individual Btltng or Conwfidated Biting. FO4ANCE CHARGE.The total Finance Chargers the sun of the Penodc Roo Charge plus
merchant and you used a SUPERCHECKS daft as payment,you A not have the right to assert . Indvidual BTGng:Each Business Card will produce a separate periodic statement that must Ore Transaction Finance Charge assessed on he Account to which it pertains br the URN
against us any darns a Mem Involving that transaction, be Paid ndwidualy . period,subject to It Minimum Face Charge.The metlad used to determine the balance or
SUPERCHECKS Stop Payment:Bank does not guarantee he stop payment of a Consolidated Billing:When Consolidated Bigng le selected,a single Control Account is balances upon which these",charges are computed is as follows:.
SIJUCG M draft;howeve,we will make every allenpt o slop payment of the draft within established fa.baiting purposes.Tine Control Account crosoldales all linked sub•Acopud A.Perlodle Prim Charge:For each type of balance on your Account(i.e.the Cash Advance
a masoniable period of to after we receive your stop payment order.provided all Womatiort transetdiors eco a single periodic statement At paymartis must.be made to the Control balance,gra Purchase balance or Chia balance)he Periodic Fanarnce Charge a to is,calculated by
Ven o us is accua:e and complete,and the draft has not already been pad The slop cul remain Account :... mul�pyir9 Be Average Daily Balance CADB7 during Oa billing cycle by the number of days in
an our system to sot months,unless the stop s revoked e Bern s stopped Mer sec maths,il PAYMM Customer will receive a separate pedodc s.Wa ret every mach.la each the billig cyclaad then mulli ging this product try he applicable Daffy France Charge Rate.
Customer decides to rename the stop payment to Bahr must be contacted at that tine. Accaut'The New Balance shown onthe statement is the tocol of all unpaid obligations that have CM*ft of Avenge Dtlly Illdvet To calculate yon Average Daly Balance each month,
AUTHORIZATIONS.M transactions on you Accent are subject to prior'approvat by Bank Wen posted to an Accent as of the Statement Closing Date shown on the statement C istaner we cwt do the daily balance for each day in the billing period CDaiN Balaas),add the Daily
('ANlmaizatisrs►.Bartle reserves dire right to limit the number of Authorizations given during any may pay the Total Arrant Due shown on the sta4emenl or any greater mount but Banc must Balances together,and divide Oral total amount by the number of days in he doing period.
period of tone(d4 weekend,week,etc.)and Bank may deny an Arahaizatian it Bank suspects receive at least the ToW'Amam Due sham en Oe Manan,in mmedetely available U.S. Average Daily Balances lcr Cash Advances,Purchases,and Cher categories are calculated
Ort to Account is being used without Customer's permission.It our A lhaivahion system is not finds drawn on a US.batk,by the Curmnt Payment Due Date shorn on the statement The separately and may be subject to different rates
working I*we may be unable to give an Authorization even tacgh the transaction would rot current Payment Due Date will be at least 21 days she the Slaternern Closing Date,and the
exceed the Credit U M and your Account is in good standag.Bank shall not be liable fa failing calendar day due will very from month to mail We may refuse to accept ary payments W For eadreategory of balance(Cash Advances.Purchases.and Other),we calculate the Daly
to gyve any such AuW ation Bade may,but is not required o,autladze transactions that will tvd•paty deck or draft tat have been endorsed to us or which have been drawn by anyone Balance by starting with the beginning balance related to Nat clegay phs arty new activity
cause to balance on an Account to exceed Ne Cmdl Urnit,and Custaner agrees l Is Gable offer than you (Cash Advances;Pumhases,and Ot er)posted as of tlW day,plus any related unpaid France,
Trersac6on,or Cher Charges,and add a Periods Finance Charge equal to he previous day's
la any such bansactiors as well as he associated Overli mit fees and Finance Charges. Curmk Payment Due:The Current Payment Due displayed on the slatemeN is equal to to balance multiplied by he applicable Daly finance Charge Rate.We subtract the amount of any
OVERDRAFT PROTECTION ADVANCES Bank offers a number of overdraft protection plan lata!of France Charges;Annual and tr actively Feer Late fps OveAmd Fees and Retumed payinau or credos applied to that balance category.
tetshelp you avoid to inconvenience and expense of overdrafts and retuned hems in a Check Fees(each as defined below}plus 0.5%of to New Balance;mulled o to next higher
WelbFargoP Buukwss Checking Account('Checking Accanll The types of accounts Nat can della,with a 525 minimum.t your New Balance's less than$25,to Curtin Payment Due will The Average Daily Balani on which he Periodic Fina Charge is calculated will not include
be inked for overdraft protection depend on to Checking Account you have.Some Checking be equal to to New Balance. any part of the New Balance from the previous periodic statemeit or any new purchases posted
ver
Accountmt pians also allow you o fink your Checking Account to bath a credit Account and a to the Accent during to current billing period 9 the New Balance from he previous statement
ToW Amount Dun:The Total Amour Due shown on N statement is equal o Oe Current is paid by the Payment Due Date sham on Out previous stalmen,or it the New Balance was
deposit account at the same erm It this is to case.Oe Mbwvhg wit apply: Payment Due PLUS any Past Due Amount 0 there is rot Past Due Amount.Oen the Total Amount zero.In hat case,the Average Daily Balance will be based only on he new Cash Advances
It you choose both a deposit account and a credit Account as overdraft protection,you can Due shown on the remittance coupon is equal to to Current Payment Due. posted during the orient King period.
designate the account from which you want the funds advaced first. AlmrtrWwe Ilhmlfattt Peyrtnnb:Some Accounts are established with additional A6dnxrn
It you do not designate an account Bank wig automatically advance funds from your credit Daly Finerna Chugs RM:The Daly fumaroe(large Rate ung either he a faced rate a a
Accent fust,subod to credit availability under this Agreement and ten from your deposit Payment"aremenits•Please refer to to separate documents provided at Ascom opening variable rate.Please refer to separate correspondence from the Bank provided at the time your
for a descriptor d NB Alternative Minimum Payment ceoueations. Account Is opened a at a later date to defumirhe your interest rate.A Default interest rate(see
f
presented
0 Here's rot en Checking
h available credit o cover the entire anon pt d an item below)may be imposed I you default under this Agreement The Daily France Charge Rate for
preserved fa payment in the help you
Accent.Ne lam may re retuned unpaid. fromAula depdIc Pay acconatunt
Adesign t Payment service our Avcotates preany month
balance i due.You
Cash Advances,Purchases,and Other balances may differ The Daly Rance Charge Rate is
. � Overdraft protectisn can also help yes avoid having leets retuned due o talcs placed on from a deport acwunt designated by you o pay your Accent any rrmN a balance is due.You
deposits to your Checking Account and can allow you access to you Checking Account may authorize paymert d the Total Amount Due,of a greater amount.We may require Bat you calculated by dmidig the applicable interest rate by 385.
funds(up to the want of available credit in your cmdt Account)while the hold is in place. provide such an a rthonzabon as a condition of approving you Account a ndlor keeping your If you Account's subject to a variable rate.tat rate will be determined to each mouthy baiting
Banc will transfer the exact dollar amount o cover the ovedrah subject o a minimum m overdraft
Account o�Please see separate from Bate regarding such a mcpnemert cycle by taking the hghest Wells Fargo Prime Rate in effect duirg the Defemination Data
advance transfer th$25.If ge amain nt available a ovcredidr you Account to is less than end ft If an automatic payment s returned a reversed for any reason,a ff an automatic payment Rage and adding a Spread.The Bank initially determines your Spread based on the evahratim
less than he overdraft.11 theank transit f a amount d Ne available ccouncredit.Oveds t advances results in an overdraft adva ce from he same designated deposit accent Banc may temu ao of your credn risk.The Bank may subsequently range the Spread at Balk's sole discretion.
as well as applicable tees and fnance charger may cause the balance on your Account to the AM=Payment sere ce without slice andlor dose your Aaarmt Please refer to separate correspondence from the Bank regarding your Spread.
exceed the Credit Unit which can result in the assessment of an Ovedmil Fee.0 here is nae Other Prymmd Wonnelloo: Wells Fup PAme Rett For purposes of In calcula0a1 the Wells Fargo Prime Rate is the we
than one person authorized to access,or listed on.the Checking Account,Customer will be •Fees for additional Bank producMwices Charged to you Accent may or may not be enraunced by the Bank from time to time as its'Prime Rate'The Determination Date Range for
Ne Cockingall overdraft
Account draft to the Account regardless of which individual accessed iaoded in rte Curert rent PaymDue.0 pais for these products are o be included in the charging your variable interest rate vM be the 30 calendar days previous to each of your
Current Payryent Due,Lose fees will be described in to separate information provided with Statement(losing Dates,so to Daily From Charge Rate shown on your statement may or
f Additionally;Banc reserves he right to terminate Overdraft P motion witout notice if overdraft Base prodtiolUservices. may rat change in to month following a change in to Wells Fargo Prune Rale.Any changes in .
advance transactions are the result of payments to the Account or it a zero or negative balance -You morft lypalments a any credits will be applied inan order determined by Berth at its you Day France Charge Rate will appy to both amort and fubue Mum on the Accouet
is maintained in to Checking Account for more Nan one month,Overdraft Protection is an sole dscretionpayments are first applied to any Balk Fees and Finance Charges and the Daly Finance Charge Rao will coque to vary even 0 the Account is closed.
to to balances with lows interest rates and then o base cis with higher interest renes
' optional leatue that may not be available on an Accent Transaction Finance Chagas appy toS Tnnatxtlon lltunce Cturgt The Transaction France Charge is a aefine ohmage made
each overdraft protection advance.Periodic Finaroe Larges apply to all overdraft protection •Payments that are received at the payment processing address(printed on each statement) each We certain types of advances ice posted to the Accofmt
advance balances from the dao of each advance, by 5 pm.on any busirese day will be wedded as of the day of receipt.Payments received
after 5 pm.or on nafbusfress days may be credited as of the,next business day.Payments •The charge for each advance or transfer made at an ATM is 3%of the amour of the advance,
WELLS FARGO BUSINESS CARD REWARDS PROGRAM'.The Business Cad Rewards subject o a$10 mmimwn and$75 maximum.
made at to Bate ocetions may nor bean o lithe to up o he business days a The for each cash advance made via SUPERCHECKS drafts,over-the•eoonter,
program slows Customers o sem prints redeem�le for specific rewards.II Customer elects .We may;at of d'screton,wNVrold a porton of the available credit an your Account up o to �
to participate in Me Business Card Rewards ram,a 55oeaotment fee wfti be billed annually Poo amount of any payment(s)n order to ensure Oat the check or other paymme ent irdvnert is Welotransfer.electronic transfer,Ondine Banking,funding Bill Pay transactions,or, one
f
to each Account enrolled separately in the membership pmgmam.In to event he Primary honored. source is 3%of the amain of to advance.subject to a$10 mini nm and 575 maximum.
Account holder elects to have Sub-Account holder's points cradled to to Primary Account. .We may accept gate payments,partial payments,post-dated dads,or any form of payment •The charge for each overdraft protection advance is based on the mum of he advance as
there will be no extra charge for his haematin except for the annual enrollment fee dnaryed to the cenmlairvng a restrictive endasomat t without losing any of our rights under this Agreement. lemur:
Primary Accent hold rt Accent Complete details provided upon enrollment Our aorepance of checks or money orders Woeled'payment in hdr,or words to that of ea Overdraft advance at. Charge won
Business Card Rewards program tees will rat be refunded in whale or in pat after assessment wit not constitute an award and satisfaction nor a waiver of any rights we have to receive full up o 525....................................._.......$10
even 0 the Account is subsequently suspended,closed,or terminated for any masm pmt If you intend to pay you Ascom in M with an amount less Dan Oe total balance Motto$100.................................512.50
owing on your Accent payments must be sem to WeDs Fargo I=Control,PO Box 53476, $100.01 to$500......._........._.......-.._..515
Rom AZ 85072.Please rote that such payments will not discharge your full debt. $500.01 or moa................................$20
-2- .3- -4-
•The charge fa each advance transacted at a casino,otter wager or Um ticket purchase, Foreign ldrlrency Converrflan Fee:It C rstorm ongkates a transaction in a foreign currency.
or advance via wire transfer is 4%of the amount o1 each such transaction or purchase, Baric may assess a 3%Currency Conversion Fee on the cornertad dollar amount of each such
subject to a$10 ninkrwrn and no maranum.. - transaction.See below for additional infamafan. ••
C.Mlnlmum Finance Charge:There ail be a Mrinnm Financa Charge of$1 for each billing Bank may wake any of the tees in this Agreement at Bank's discrefim however,Bank reserves
period in which a Finance Charge is assessed. bre right kt basin chafgng any fee that was prevb*waived without Wvidirg prior notice to you
WHEN FINANCE CHARGE BEGINS The Periodic Amu Charge for Pmrchase;begins on the DEFAULT.The Job"constitute defaults under Oris Agreement(1)a payment is not made
date the transaction was made,except that no Periodic Rnerhce Large will be imposed dung when it is due;(2)the terms of this Agreement are breached in any way,(3)Customer defaults
the arrant bTGng period on new Purchases posted to an Account during the cornu bitting under the terms of any other obligation to Bank;(4)a bariouptcy petiOon is filed by or against
period T Custanec has pad in hA the New Balance by to Current Paynarmt Due Date shown on Custom or.arty guarar&of Ctustonnefs Accmrt(5)a significant change oaurs in the
the previous periodic statement.This period of time after the Statmnmrt posing Date end ownership Of organ atonal shuctrue of Customer or in the type or volume of Customer's
through the Current Paymoa Due Date is refemed to as N'grace'period and applies to business;(6)Customer becomes insolvent a is dasdved or Banc cderwise believes in good
Purchases aiy and rot Cash Advances.The Periodic Finance Charge for Cash Advances faith that to prospect of payment anchor perforance under this Agreement is impaired;(n
including SUPERCHECKS transactions may begin the earlier of.Oe transaction date,lie date payments to Account are armed or reversed for'any reason,(8)Custanm fats to submit
a SUPERCHECKS daft a deposited by the payee,or the date we receive the SUPERCHECKS required information the Bank deems necessary;(9)Custaner's Account balm exceeds the
draft for posting to youf Account. Credit Leib or(10)Bank observes excessive or suspicious Account usage or suspects an
OTHER CHARGES The total at Other Charges that may be charged to the Account is the sum Account t is invoked in kiting.Customer will be charged the applicable finance Charge Rate
d after any default under this Agreernenl '
Fm That May Be Ammod Annually:Bark may assess an Annual Fee fa the first year and BARKERS LIEN AND RIGHT OF SET-W Banc has a general 5m triter Sant Dakota law
' each year thereafter for each Accoont.AJWmWaty,Berk may assess an Inactive Account Fee on any at Customora personal property in Banes possession.In to ever Castoner does not
for each year that fewer than 12 purchasesladvences have posted to to Accoont,Please refer mace payment an an Account as agreed.Bank may wwdse its rgr of sel-0O against any
to separate carespandooe for pricing details. obligation Banc owes b Customer,including a set-o9 against any deposit a=u1s)Customer.
If Customer weds to participate in the Business;Card Rewards program or other loyalyhawards has with Bark to the extent pemuUed DY law.
progrMan erro6nerdhre rieranxxr tee may be bdleed=x*DoWs provided upon mvolirnenl REMEDIES.in the event of arty default or faikre to meet ary con fitiah urmda the preceding
the owner
Bark k may assess an Arcus or Inactive Account fee on each closed Account to each year a (1)P�g�•Bank matt m Ts option and without pita natifical o,
bara assesmaints nerd in the Account dose ary a all Acaxrns to a0 use,inckufug other types d aaccountsgat a
nnual and Inactive fees will not be refurded in whole a n part.atter assessment even t the gcceler t�responsthb to a a a signer on
A
Accowa a�queatly suspended,dosed,a terminated for any reason. (2)accelerate payment d l ha balance on any a all Accounts end thereby require Immediate
payment d to Tut belanoe of such Acoournb,including,withart Imitation.my Forane
Lam Qwge:0 Bank does not receive at feast the Tota Amount Due by the CurrentPayrtent Charge and Otho Charges;
Due Date shown on your periodic statement Bank may assess a late Charge d SO.However. (3)fa madly Account payments at a higho amoknt
t the New Balance shoo on your proviors statement is less than$100,the late Charge will be (4)itrtedPately terminate any promotional rates and/or raise I interest rate on exciting and
$25.t an Account has been delinquent two or more times in to past 12 bAmg cycles.Banc new balances.Gener*the Default interest ram will be equal to Wells Fargo Prime Rate
I may assess a Late Charge of$60.We may WMduely contact Customers to trdam germ Of "15.99%,subject to a mmmun of 23,991E However,we may assess difiererit or higher
of ar late Charge mums in rases of default Detach interest rates after r d iriduay contectcg onslomers;andla
Ovedknit Fee:If your Account balance exceeds you Gerin UT4 Bar*may mass an (5)fix the Late(charge at a higher Wham.
Owliimit Fee of$35.Art Ovelnit Fee may be assessed each month t the.balance on the ARBITRATION PROGAAIL
Accent remains above the Credit limit.' (a)Bkr"Arhitrdlon:Upon the demand of any party,whether made before the institution of
Rettrned Check fee:11 payment on an Account is made with a check or other Tem that is rid any(uckW proceeding or not we than 60 days atter service of a canpfank third party
honored to any reason.Bank may assess a 529 tee.K Customer pays more than are Account comoK aoss•ciain counterclaim or any ansver thereto or any amendment to arty of the
with an Rom.a$29 fee may be assessed to each affected Accota The bank on which the above,any Dispute(as defined below)shag be resolved by binding arbitration in accordance
deck or item was drawn may impose a separate fee for the dishonored Tem with the teras d this Arbaration Program A Uspute'shall Include any actin,dispute,claim,or
Stop Peymerd Fee:It Custaner requests gat Bank place a'Stop Payment'on a equitable,o d�•�'wwhetherintiIn contract a n hal twSWAMnthe
a common law,legs a
equitable,a otherwise,now exiting a hereafter arising between to partes in any way arising
SUPERCHECKS draft,Bank may assess a charge of$15 to each Stop Payment requea out of,pertaining to or in correction with(1)any agreement,doormen of nsinment to which
Rumch Fee:Certain Bank services marred in connection with the Acrocrn are subW b this Arbitration Program is attached or In which It appears of is refer&XK or ary related
additional fees.If Customer requests gat Bards research the Account fa example,to update agreements,documents,or uatrurents(colectift the'Doctimerr or'Doauters'k(2)all
Custorners business records,55 may be assessed for each sates dp copy Be*pro irlm$3 post,present,or future bars,Ines of credit notes,irstrmens.drafts,credits,accounts,
may be assessed for each monthly statement Bank provides end 520 per her may be assessed deposit accounts,sate deposit boxes,safekeeping agreements,gumantee%lagers of credit
for other Banc ressatdr service&The haat'charge will appy as follows;' t1cods or services,or other iransexdions contracts or agreements of any kind whatsoever;(3)
1.15 Minute&..................................$5 any pmt or a MA incidents,amissiors,acts,oras,practices.a coarrences causing
1630 Mrde ........................._..$10 nItry to oft party whereby IN other party or is ,ernployses or representatives maY be
3145 Montes......................_.......$15 lade,n whole a In part;or(4)any other aspect of the past present or Mn relationships of
4660 Minutes....................._........$20the parties mkdng"aperxy,independentcontrada a emp4 mere mWnn 4 but
exchxing clans far workers'compensation and unemployment benefits('Relatorshipl•Any
These fees wiI not be charged d Customer makes a gad faith irpuuy about a suspected arra party to this Arbitration Program nay by—nary proceedings bring any action in court to
on a periodic slatemem canpelarbdratlon of any Dispute.Any parry who fails or refuses to submit to binding arbitration
following a lawful demand by the opposing party shall bear all costs and expenses incurred by
the opposing party it compelling arbitration of any Dispute.The parties agree that by engaging
S- -6-
In activities with or nvofving each other as described,above,they am,participating n Arbitration Panel,shay have the power to award recovery ofall costs and fees(Including
transactors involving into=commerce a'camnercs'as that term is used in the Federal atomels fees,admisiiative fees,and arbitrator's fees)to prevailing parts Arbitrators shall be
Arbitration Act,Me 9 of the United States Code('FAA').The partes understand that by this empowered b impose sanctions and to take such other actions as they deem necessary to the
agreement they have decided that their disputes shall be resolved by binding arbitration rattier same extent ajudge cold Pursuant to the Federal flutes of Cid Procedure,the applicable Slate
man in court and an derided by arbitration no dispute can tater be brought,thiol a pursued Rules of Ciel flocedue and applicable law.Arbitretor(s)shat be empowered at tlhe written
in cart before a judge or jinx request of any Party in any Oapute,l)io consolidate h a single proceeding any multipla Party
(b)Gonrn4ig Rrla Al Disputes between the parties submitted to arbitration stall be resohred cis that are shbshamtaly identical a based upon the same underlying transaction;2)to
by bindng arbitratim administered by he American Arbitration Association(the'AAAI,a sane su*c! o ant'claire� ftwW bybetweenaother Parties which edea out d su rotate to the
other administrator d mutually agreeable to the parties,in accordance wit the C lvarcial subject natter hexed,and 3)g all chins er multiple against borration ghm
aors suedes arxVo
Arbitration Rules d the AAA the Federal Arbr3ation Act(Tolle 9 of the United States Cade)and accbrs nc wuith Rual;and 3)to administeroo Civarbil Pro Jure. as class actias n
to the aged the foregoing are inapplicable,unenforceable or invalid,ere applicable substantive, ascendance he Eula 23 d the Federal Rales o Clivi Procedure. u any consoliidated
law designated in the Documents relating to the Dispute.In the event d achy inconsistency Moeedrg the list sq alt fie s)uelio coed n any proceeding shag conduct the consolidated
Panels
els
between this Arbitration Program and such rules and statutes,this Arbitration Program Shelf osaftshall be�tomakewdten findings of fact and conclusions of law.The
control.Judgment upon arty award rendered thereunder may be entered in any cart having determination of an Arboreta or Arbitration Prnd shell be binding on all partes and shad not be
jurisdiction;provided,however,that nothing cotalned.haeir shall be deaned to be waiver by subject to further review or appeal woo as Othelwise allowed by applicable law.
arty parry that is a baht of the protections afforded to d under 12 U.S.C.§91 or a skr&state
law which may be applicable,such as Texas Baofr M Cade art 342.09. :. (e)Mlmtiarraur To the maximum extent practicable,the AAA,the Arbitrator(a Arbitration
(e)No WuhMr Preservation d Remedies;fAltipla.Parties No provision of,ria the amiss of Panel.as appropriate)and the Parties shat take any amen necossery to require tat an
any rights under,this Arbitration Program shag bind the right d am/pay,during any Diu;puto,to arbitration proceeding Matra hareuder shag lira hereunder
s within co days d the a to t the Drspute
seek,use,and arhptoy ancillary a preliminary remedies,Judicial a otherwise,for the purposes with ab AAA Ardtratan f 9 they ngs
hereunder shag be conductedof the at applicable location stbtuey
d reali8hg upon,prey AV,protecting,foreclosing a proceeding under forcible amity and low able to the.partes a d they tsrnd agree,then Di the state of thetionWosuDsta the
.detainer for possession of any real or personal property,and arty such action shill not be mw n the ct to an nes relating to parthe Dapple th a location selected by the
deaned an election of remedies.Such rights shag ihdude,without limitation.rights and Adhurh eSSIY•�respect to any Disputa'each party agrees that at ny Mx
y .Arbitration tee alien
remedies relating to(1)foreclosing against any real a personal property co(Waral onither be expressly AM
el metas'dtof relevant a Ne equinDispute and arty Arbitrate Ar lo
security;(2)exercising self remedies inrduding sata4 rights;or(3)obtai*Q provisional a Penal end the AM shat be required to fury g a Ins Confidential.
naht Each Party to keep
anc�ohary remedies such as injurd.ve relief,sequestration,attached,garnishment.a the W subjealo he dame Pw of confdentel,except tier'cable law
d
appointment d a receive from a cart having(u don,Such dghis can be exercised at any regulation,The Arbitration fdamation requited n the Progra ry corse d business d the parties a by with to Federal
applicable taw a
time except to the extend such action a contrary to a final award a decision in any arbitration Arbitration Ad: �v phvbe construed in��d South Odrda
pnocee'tg.The nstitutm and mainlenance of an action fa judicial relfel a Push of t
provisional a ancillary remedies a exercm of sell-help remedies shat not constitute a waver u� except to the extort procat eedingsiother state's haw si specificallyCol designated for certain
of the right of any parry,Including the plentitt,to submit the Dispute to arbitration,ar render CRS 13-s here n s n rasped to proceedings nvofvig residents of Qlo prosadc�the pis lawns d I
inappncable the compulsory arbitration previsions hereof.In Orbitae invoNN indebtedness or CRS"of the et seq.aro CRS 13.21-10 rbit shale apply.With respect to power
to away lmdvBg
other monetary obligations,each party agrees that the other parry may proceed W d all gable rnsbdenLS d the Slate of Washington,the Arbitrata(s)shat rid have the power to award ptuhoive
persons,jointly or sea*,or agaistam or more of them,less than al,wilhat impairing rights or exemplary damages except where No damages.are speCfha4y provided for by a
against dna liable persons.Nor shall a parry be requred to pia the pnnchpel obligor of any Washington slahGe upon wtK h the award could have been based If liitigated In a Wshngtm
other treble paws,ad as sureties a guaranties n any proceeding against a particularmin.This Arbitration Program constitutes the entre agreement of the partes with respect to is
person.A party may release or same with one or mere table persons without releasing a resolsubject matte and supersedes;woes t Prior rbon Programs
and omen caoro pules ars on tispthe
impairing rights to proceed against any paws not so released.This Arbitration Program shall Arbb bon adept.with respect l by vv on paragraph
governing.The provisions to, of the
not appy to a dispute concerning g indebtedness secured by real estate o ere single action rule Arboretion Pham ur an by virtue d paragraph t.' here'.The fthDof the
statutes d Cafiform Idaho a any dna applicable law.ward preclude ahtorcertreht d a or the Ral�0mm�Shat s the
any mmllhabon,.ax rdr*a a ebin vni ..ere Ootvnents
mortgage,ten a swAy interest searing such indebtedness as a result d the arbitration d Fr the R may be a unless the pries otherwise. only by agree n vmoci .This Arbitration
such dispute,unless the holder d such nnrtgage,lien a security Merest specifically elects n P►o9� amandpa changed,er modified only by ti specific provision
icatuorh n vm'trrg
writing to proceed with tee arbitration. agreed to f u affected partes.1,airy term,cnverham andiron or provisioner d tlts Arbitration
Program is lard to be urlarAu/,ihveW a uuhenfarceabie,such dried shag not affect the
(d)AAt M Pam and OwIff catlau:Awards.Arbitrators are empowered to resolve legality,vafidty or ontomabiiy of the rw&kg parts of the Arbitration Program,and all such
Disputes by summary rulings.Arbitrators shall resolve all D*Aes in accordance with to won parts hereof stall be vafd.anhd enforce"and have NI force and effect as 1 the
applicable substantive law.Any arbitrator selected shag be required to be a practicing altorrhey illegal,invalid or unenforceable part had not been included
and shag be required to be experienced and knowledgeable in the substantive laws applicable LWATION ON LAWSMM Customer agrees that any lawsuit based upon ary aura of action
to the subject matter ofthe Dispute.Ag oleates of limitation applicable to any D spue shelf wtk h Custaner may have against:ft*must be tied within one year from the date that it anises
apply
to an mm6gamrxuhts n controversy hhis Arbitration
t exam Program.With respect a rto aDspute or C slomer will be barred from filing the laThis kdation is intended to node tort
whichin d
be dam and sresolve the Dispute by rendering an award rid to exceed$1.000 Q 0 lid anC fntlher poses of action tier which Custonha end Bank may lawfully oorthari to
hall
including an damages of any kind whatsoever,ncludrg casts,leas and exprhses.Submasim ser firiatiors for frirhgirhp suit
to a single arbitrator shall be a waiver of at Partles'.clalms to recover more than 51,000,000.A TELEPHONE TRAWAM Custrner a 4hha¢es Bank to make translers,up to the available
Dispute involving claims or mum in mnwmq exceedrg$1,00Q000 shelf be decided by a Credit Limit between do Accord and to designated accounts specified in wrung,upon
mejoroy vote of a panel of three arbitrators(an'Arbitratm ParheP,the determination of ry two Banks receipt of instructions from any of Custaneys owners or prinrdpaa.Ten days after e
of thha three arbitrators constituting the determination of the Arbitrdion Panel,provided,however. Customer applies for telephone transfer capabilities,the fust telephone transfer request an be
to all gra Arbitrators on the Arbitration Panel must-actively pank9pate n all hearings and made.Each telephone trasferrequest may take up to three business days for processing.Bads
deliberations.Arbitrators,inciting any Arbitration Pand,may gram am/remedy or relict wig have no liability for any transfer made upon the written or verbal request Of any person
deemed just and equitable and within the scope of this Arbibatim Program and may ciao grant believed by Be*in good tenth to have been aNtp ized by Qstome to subnal the request
W ancillary rend as is necessary to make effective any award Arbitrates,nciudrhg amy Q,starer we Indemnify and hold Brie hamnless from and against any damages,liablfitim
7- B
VERIFICATION
I, P E IT- Hf j-F'R , 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 piaint?ff;
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 MATTHEW S GAMBER AND
GAMBER CHIROPRACTIC owe the balance of $5,114.52 to CACH, LLC on previously
submitted invoices,which balance is due and unpaid as if the date of the execution of this
Verification.
1 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.
Dated: iUN 1 0 2014
PFJER t
Authorized Representative
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson .i..;,,- Fit...,
Sheriff " :
tsti0, .is:Cumber
i 6si t}K �1E �° i1r..k
Jody S Smith 4
Chief Deputy 1 , L '
43
,gam,
Richard W Stewart = CUMBERLAND COUNTY
Solicitor ;` =': PENNSYLVANIA
CACH, LLC
vs. Case Number
Matthew Gamber(et al.)
2014-3885
SHERIFF'S RETURN OF SERVICE
07/03/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Matthew Gamber, but was unable to locate the Defendant in his
bailiwick. The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at
Chiropracti Center, 304A N St. Johns Road, Lower Allen Township, Camp Hill, PA 17011. This is an
incorrect address the correct address for this defendant is 304A Saint Johns Church Road, Camp Hill, PA
17011.
07/03/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Gamber Chiropractic, but was unable to locate the Defendant in
his bailiwick. The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at
304A N. Saint Johns Road, Upper Allen, Camp Hill, PA 17011. This is an incorrect address the correct
address for this defendant is 304A Saint Johns Church Road, Camp Hill, PA 17011.
07/11/2014 05:06 PM- Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint&
Notice by handing a true copy to a person representing themselves to be Matthew Gamber, Owner,who
accepted as"Adult Person in Charge"for Gamber Chiropractic at 304A Saint Johns Church Road, Lower
Allen, Camp Hill, PA 17011.
"i OEYQ L
J IE DIMARTLE, DEPUTY
07/11/2014 05:06 PM- Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint&
Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to
wit: Matthew Gamber at 304A St. Johns Church Road, Lower Allen Township, Camp Hill, A 17011.
`43 \ i . ---
IE DIMARTLE, DEPUTY
SHERIFF COST: $77.90 SO ANSWERS,
July 14, 2014 RON14 ANDERSON, SHERIFF
^Cy ,c n t 01. seri E
Law Firm of Allan C. Smith, P.C.
Attorney ID #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
FILED-OFFICt
OF THE PROTHONOTARY
2014 SEP -5 Pfl 1:28
CUMDERLAND COUNTY
PENNSYLVANIA
CACH, LLC
vs.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
PRAECIPE TO ENTER
JUDGMENT BY DEFAULT
TO THE PROTHONOTARY:
Please enter a Default Judgment in favor of plaintiff, CACH, LLC, and against the
defendants, MATTHEW S GAMBER AND GAMBER 'CHIROPRACTIC, for failure to
answer or otherwise respond to the Complaint in Civil Action.
The Complaint was served upon the defendants on July 11, 2014. A copy of the proof of
service is attached hereto.
A copy of the Notice of Intention to take Default mailed to defendants MATTHEW S
GAMBER AND GAMBER CHIROPRACTIC by regular United States mail, postage paid, on
August 4, 2014, is attached hereto.
Assess damages in the amount of $6,114.52 as follows: [a] $5,114.52 principal being
sought in the Complaint; [b] and $0.00 interest being sought in the Complaint; [c] and
reasonable attorney's fees of $1,000.00, [d] and Court Costs of $0.00, [e] and Costs of Service of
$100.00.
Date: August 21, 2014
"..s-o-PcL Agy
CIE' 19/42_,
R 3 /07a
By.1 Z. A1,44,s12
o !gel, Esq. •
I.D. No. 313173
Ronny R Anderson
Sheriff
Jody S Smith
Chief DeputyRichard VV Stewart .
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND ����UU���
�~~~^�"����"^�'��^~�~�~�~~���" ^
CACH, LLC
vs.
Matthew Gamber (et al.)
Case Number
2014-3885
SHERIFFS RETURN OF SERVICE
07/03/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he m inquiry
for the within named Defendant to wit: Matthew Gamber, buwas unable to locate the Defendant in his
bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at
Chiropracti Center, 304A N St. Johns Road, Lower Allen Township, Camp Hill, PA 17011. This is an
incorrect address the correct address for this defendant is 304A Saint Johns Church Road, Camp Hill, PA
17011.
07/03G014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligensearch and inquiry
for the within named Defendant to wit: Gamber Chiropractic, but was unable to locate the Defendant in
- ' his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at
304A N. Saint Johns Road, Upper Allen, Camp Hill, PA 17011. This is an incorrect address the correct
address for this defendant is 304A Saint Johns Church Road, Camp Hill, PA 17011.
07/11/20t4 05:06 PM - Deputy Jamie DiMartle, being duly sworn according to law; served the requested Complaint &
Notice by handing a true copy to a personrapmoonbng#hemoehoobobeK0atthewGambar.Ownor.whn
accepted as "Adult Person in Charge" for Gamber Chiropractic at 304A Saint Johns Church Road, Lower
Allen, Camp Hill, PA 17011.
JAMIE D} DEPUTY
^
07/11/2014 05:06 PM - Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint &
Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to
wit: Matthew Gamber at 304A St. Johns Church Road, Lower Allen Township, Camp Hill, p,A 17011.
hM|ED)MARTLE DEPUTY
SHERIFF COST: $77.90 SO ANSWERS,
July 14, 2014 RnNNYRANDERSON, SHERIFF
Law Fiim of Allan C. Smith, P.C.
Attorney ID #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
CACH, LLC
vs.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
CERT114CATE OF SERVICE OF
NOTICE OF INTENT TO FILE
PRAECIPE TO ENTER JUDGMENT BY DEFAULT
I, CORRYN L. KRONNAGEL, ESQUIRE., of full age, certify that I mailed a copy of
the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY
DEFAULT upon defendant MATTHEW S GAMBER by United States mail, postage prepaid,
on August 4, 2014 at his/her last address of:
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
Date: August 21, 2014
Law Firm of Allan C. Smith, P.C.
Attorney I.D. No. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 /1(215) 428-0666
Attorney for the Plaintiff
CACH, LLC
Plaintiff,
vs.
MATTHEW S GAMBER AND
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
No.: 2014-3885
NOTICE OF INTENT TO
FILE PRAECIPE TO ENTER
JUDGMENT BY DEFAULT
• TO:
MATTHEW S GAMBER
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
GAMBER CHIROPRACTIC
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRI I TEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT
MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE
YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW, TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
Lawyer Referral Service
• CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013.
Telelphone: 249-3166
Dated: August 4, 2014
THIS COMMUNICATION IS FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Law Firm of Allan C. Smith, P.C.
Attorney ID #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 /1 (215) 428-0666
Attorney for Plaintiff
CACH, LLC
vs.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
CERTIFICATE OF SERVICE OF
NOTICE OF INTENT TO FILE
PRAECIPE TO ENTER JUDGMENT BY DEFAULT
I, CORRYN L. KRONNAGEL, ESQUIRE., of full age, certify that I mailed a copy of
the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY
DEFAULT upon defendant GAMBER CHIROPRACTIC by United States mail, postage
prepaid, on August 4, 2014 at the last address of:
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
Date: August 21, 2014
B
'171Co Iyn
Atto
onnagel, Esq.
y I.D. No. 313173
Law Firm of Allan C. Smith, P.C.
Attorney I.D. No. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 /1(215) 428-0666
Attorney for the Plaintiff
CACH, LLC
Plaintiff,
vs.
MATTHEW S GAMBER AND
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
No.: 2014-3885
NOTICE OF INTENT TO
FILE PRAECIPE TO ENTER
JUDGMENT BY DEFAULT
TO:
MATTHEW S GAMBER
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
GAMBER CHIROPRACTIC
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT
MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE
YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW, TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013.
Telelphone: 249-3166
Dated: August 4, 2014
THIS COMMUNICATION IS FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Law Firm of Allan C. Smith, P.C.
Attorney ID #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
CACH, LLC
VS.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
CERTIFICATION OF NON-MILITARY SERVICE
I, Corryn L. Kronnagel, Esquire, of full age, certifies as follows:
1. I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and
am fully authorized to make this Certification;
2. My information is that the defendant is MATTHEW S GAMBER.
3. Our latest information is that the defendant is employed at UNKNOWN.
4. To the best of my information and belief, the Defendant is not a member of
the military services of the United States of its allies or otherwise within the
provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as
stated in the attached Department of Defense Manpower Data Center reports.
5. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to
unsworn falsification to authorities.
Date: August 21, 2014
A141)14
.K,Co
L. Kr.nnagel, Esq. 1
ey I.D. No. 313173
Department of Defense ManpowerData Center
Status Report
Pursuant to Servicemembers Civil Relief Act
Last Name: CAMBER
First Name: MATTHEW
Middle Name: S
Active Duty Status As Of: Aug -29-2014
Results as of : Aug -29-2014 07:03:06 AM
SCRA 3.0
On Active Duty On Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
NA
No ,
NA
This response reflects the individuals' active duty status based ori the Active Duty Status Date
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
_
NA ..No.
, ,
NA
NA
This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date
The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date
Order Notification Start Date
Order Notification End Date
Status
Service Component
NA
NA -
, .
No
NA
This response reflects whether the individual or his/her unit has received early notification to report for active duty
Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of
the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty.
Mary M. Snavely -Dixon, Director
Department of Defense - Manpower Data Center
4800 Mark Center Drive, Suite 04E25
Arlington, VA 22350
Law Firm of Allan C. Smith, P.C.
Attorney ID #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
CACH, LLC
VS.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
CERTIFICATION OF NON-MILITARY SERVICE
I, Corryn L. Kronnagel, Esquire, of full age, certifies as follows:
1. I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and
am fully authorized to make this Certification;
2. My information is that the defendant is GAMBER CHIROPRACTIC.
3. Our latest information is that the defendant is employed at UNKNOWN.
4. To the best of my information and belief, the Defendant is not a member of
the military services of the United States of its allies or otherwise within the
provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as
stated in the attached Department of Defense Manpower Data Center reports.
5. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to
unsworn falsification to authorities.
Date: August 21, 2014
yn L. Kronnagel, Esq.
ey I.D. No. 313173
Department of Defense Manpower Data Center
Status Report
Pursuant to Service -members Civil Relief Act
Last Name: CHIROPRACTIC
First Name: GAMBER
Middle Name:
Active Duty Status As Of: Aug -29-2014
Results as of : Aug -29-2014 07:03:37 AM
SCRA 3.0
On Active Duty On Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
NA -
.. ' No
NA
..,
This response reflects the individualsactive duty status based on the Active Duty Status Date
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
NA • .
_
: ' No
NA
. This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date
The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date
Order Notification Start Date
Order Notification End Date
Status
Service Component
. NA
NA
. No
NA
This response reflects whether the individual or his/her unit has received early notification to report for active duty
Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of
the individual on the active duty status date as to all branches of the Uniformed Services Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty.
Mary M. Snavely -Dixon, Director
Department of Defense - Manpower Data Center
4800 Mark Center Drive, Suite 04E25
Arlington, VA 22350
Law Finn of Allan C. Smith, P.C.
Attorney I.D. #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 /1 (215) 428-0666
Attorney for Plaintiff
CACH, LLC
vs.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
To: MATTHEW S GAMBER
304A N SAINT JOHNS RI)
CAMP HILL, PA 17011
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are he e y notified that
a Judgment has been entered against you in the a ve pr ding *ndicate I 4 d 0 :
By:
Judgment by Default
Money Judgment
Judgment in Replevin
Judgment for Possession
Judgment on Award of Arbitration
Judgment on Verdict
Judgment on Court Verdict
If you have any questions concerning the above, please contact:
ATTORNEY: ALLAN C. SMITH, Esquire at 215-428-0666 or 1-888-275-6399
61111111111111199 111,1 11 11
Law Firm of Allan C. Smith, P.C.
Attorney I.D. #204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
CACH, LLC
vs.
Plaintiff,
MATTHEW S GAMBER &
GAMBER CHIROPRACTIC
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 2014-3885
To: GAMBER CHIROPRACTIC
304A N SAINT JOHNS RD
CAMP HILL, PA 17011
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you, are hereby notified that
a Judgment has been entered against you in the above proceeding as indicated below: ,1
By:
•
Judgment by Default
Money Judgment
Judgment in Replevin
Judgment for Possession
Judgment on Award of Arbitration
Judgment on Verdict
Judgment on Court Verdict
If you have any questions concerning the above, please contact:
ATTORNEY: ALLAN C. SMITH, Esquire at 215-428-0666 or 1-888-275-6399