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HomeMy WebLinkAbout14-6141 Supreme Coin" & ennsylvania COUP - >1 c imo 'leas For Prothonotary Use Only: I' r civiIWOOeI$, ,leas Docket No: CUl�8 RLAN15 i County I The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S El Complaint 0 Writ of Summons 0 Petition Transfer from Another Jurisdiction 0 Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: NASA FEDERAL CREDIT UNION BRIAN KATER T Dollar Amount Requested: Q within arbitration limits I Are money damages requested? ED Yes ED No (check one) Doutside arbitration limits O N Is this a Class Action Suit? El Yes x, No Is this an MDJAppeal? 0 Yes El No A Name of Plaintiff/Appellant's Attorney: MATTHEW D URBAN ESQUIRE 90963 0 Check here if you have no attorney(are a 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 0 Intentional 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment 0 Motor Vehicle El Debt Collection:Other Board of Elections 0 Nuisance LINE OF CREDIT Dept.of Transportation S 0 Premises Liability Statutory Appeal:Other Product Liability(does not include E3Employment Dispute: mass tort) E Discrimination 0 Slander/Libel/Defamation _ Employment Dispute:Other Zoning Board C 0 Other: El ,I, I Other: O MASS TORT 0 Asbestos N 0 Tobacco D Toxic Tort-DES Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS E Toxic Waste 0 Ejectment 0 Common Law/Statutory Arbitration B Other: 0 Eminent Domain/Condemnation l_a Declaratory Judgment 0 Ground Rent Mandamus 0 Landlord/Tenant Dispute Non-Domestic Relations Cl Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY Di Mortgage Foreclosure:Commercial 0 Quo Warranto 0Dental 0 Partition 0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical Other: 0 Other Professional: Updated 1/1/2011 OF LJ y 4 � {/1 t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION NASA FEDERAL CREDIT UNION Plaintiff VS. COMPLAINT IN CIVIL ACTION BRIAN KATER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D Urban, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 2500 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#20685372 6�s 150S. d � c� , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NASA FEDERAL CREDIT UNION Plaintiff vs. Civil Action No. BRIAN KATER Defendant COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after. this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PENNSYLVANIA 17013 TELEPHONE NUMBER: (717) 249-3166 s COMPLAINT 1. Plaintiff is a corporation with offices in 500 Prince George's Blvd, Upper Marlboro, MD 20774. 2. Defendant is an adult individual residing at 926 Scottish Court, Mechanicsburg, PA 17050. 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number xxxx-xxxx-xxxx-7454. 4. Defendant made use of said credit card and has currently a balance due and owing to Plaintiff, as of September 18, 2014, in the amount of $6715.14. A true and correct copy of Plaintiff's Statement of Account is attached hereto, marked as Exhibit"1"and made a part hereof. 5. Defendant is in default of the terms of the cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Brian Kater individually, in the amount of$6715.14 plus costs. WELTMAN, WEINBERG&REIS, CO., L.P.A. Matthew D Urban, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 2500 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:20685372 %1LNAV/ SA FEDERAL CREDITUNION BRIAN KATER Statement Closing Date: Account Number:############7454 February 21,2014 Summary of.Account Activity P,aymentdriformation Previous Balance $ 6,208.10 New Balance $6,373.011 Payments 125.00- Minimum Payment Due $128.00 Other Credits 0.00 Payment Due Date 03/18/14 Other Debits + 0.00 Purchases + 22779 Late Payment Warning: IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY Cash Advances + 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR'S MAY BE Fees Charged + 0.00 INCREASED UP TO THE PENALTY APR OF 18.00%a Interest Charged + 62.12 NEW BALANCE $6,373.01 Credit Limit 56,500.00 Available Credit 126.99 PLATINUM Points Available Cash 126.98 ADVANTAGE Available Amount Disputed 0.00 REWARDS 6,583 Statement Closing Date 02121114 Days in Billing Cycle 2B l Contact lnformatlon 1 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) si% Redeem Your Rewards at: `` Report Lost or Stolen Card:(888)NASA-FCU(627-2328) AdvantageRewardsCard.com ti,� Please send Billing Inquiries and Correspondence to: Please Mail Your Payments to: N4 NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: :If you make no additional charges using-this ;iYou will pay off the'.balanceshown 66Ahis And you,rwll ehd lap paytng-an esfimated card and each monthyou pay ;` statement m about 'total of Only the minimum payment 20 years $12,637.00 214.00 3 years $7,704.00 (Savings=$4,933.00) If you would like information about credit counseling services,call(866)791-4360. -_.. Transactions Trans Date Post Date Plan Name Reference Number Description Amount 01/26 01/27 PPLN03 24692164027000413250750 SHOPRITE RIVERSIDE 81 BEL CAMP MD $ 28.39 NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION AccouhtNumtiet r:t: PO BOX 1778nC p FEDERAL # # 7454 BOWIE MD 20717-1778 �/Lam/1 CREDIT UNION Check box to indicate ❑ nametaddress change on back or this coupon TotaLMinlrriiam AMOUNT OF PAYMENT ENCLOSED ClosingAate' New Balance; Raymentbut Date.; Pa ment.Due Z 02/21/14 $6,373.01 $128.00 03/18/14 MAKE CHECK PAYABLE TO: BRIAN KATER 1323 BARTLEY PL IIIIIIIIIIr1111tItIlIIltlltrlllllltl�IlIIIIIIIr�IIII,ItIIlllrl BELCAMP MD 21017-1120 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 1720 3007 7454 00012800 00637301 4 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use or your card is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins from the date the transaction is posted to your account,and the Interest Charge on cash advances begins from the date you obtained the cash advance,or the first day of the billing cycle in which it is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'overage daily balance"of your account To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new transections).To avoid incurring additional Interest Chargee on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your held monthly statement,you must pay the entire"New Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'average daily balance"of purchases(and if applicable,cash advances).To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Crediting and Credit Balance.Payments received by 5PM at the location specified on the front of the statement after the phrase"Please Mall Your Payment To:'will be credited as of the date of receipt to the account specified on the payment coupon.Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set forth on or with the periodic statement(e.g.missing payment stub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but shall be credited within five days of receipt.If there is a credit balance due on your account,you may request,in writing,a full refund.Submit your request to the address Indicated on the frontal this statement after the phrase'Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn.This electronic debit,which may be posted to your account as early as the dale your check is received,will be only for the amount of your check.The original check will be destroyed and we will retain the image in our records.If you have questions please call the customer service number on the front of this billing statement Closing Date.The closing data is the last day of the billing cycle;all transactions received after the closing date will appear on your next statement. Annual Fee-If your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill,to the address listed on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to.^You may use your card(s)during this 30 day period but immediately thereafter must send your card(s),which you have cut in half to this same address. Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency it you fail to fulfill the terms of your credit obligations. BILLING RIGHTS SUMMARY What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement,write to us at the address shown on the front of this billing statement after the phrase"Please send Billing Inquiries to":In your leder,give us the following information: • Account Information: Your name and account number. • Dollar Amount: The dollar amount of the suspected error. • Description of Problem: Ifyou think there is an error on your bill,describe what you believe is wrong and why you believe it Is a mistake. You must contact us within 60 days after the error appeared on your statemenL You must notify us of any potential errors in wrilin (or electronically).You may callus,but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error,the following are true: • We cannot try to collect the amount in question,or report you as delinquent on that amount. • The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine(hot we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount • W hile you do not have to pay the amount in question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riahts it You Are Dissatisfied Wlth Your Credit Card Purchases ti you are dissatisfied with the goods or services that you have purchased with your credit card,and you hove tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this right,all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note:Neither of these are necessary it your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality- 3. You must not yet have fully paid for the purchase. If all of the criteria above are met end you are still dissatisfied with the purchase,contact us in wdtina(or electronically)at the address shown on the front of this billing statement following the phrase"Please send Billing Inquiries...to': While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigolion,we will tell you our decision.At that point,it we think you owe an amount and you do not pay,we may report you as delinquent.- Please elinquent.Please provide a legal document evidencing your name change,such as a court document. Please use blue or black Ink to complete form NAME CHANGE Last First ' --- I- --- ---• Middle ADDRESS CHANGE Street _._.L____J C(ty _L__.__ ....! State ._. _._.-_ZIP Code: _ _.............. Home Phone ( ;) Business Phone _...-.._...._. Cell Phone E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2 of 3 / S/ \FEDERAL V a\ CRtt7t'1'UNION BRIAN KATER Statement Closing Date: Account Number:############7454 February 21,2014 Transactions ..Continued Trans Date Post Date Plan Name Reference Number Description Amount 01131 02103 PPLN03 24610434033072005645422 RADISSON HOTELS PENN HARR CAMP HILL PA 65.94 02102 02103 PPLN03 24692164034000114895839 SHOPRITE RIVERSIDE S1 BEL CAMP MD 16.66 02102 02/03 PPLN03 24692164034000114920306 SHOPRITE RIVERSIDE S1 BEL CAMP MD 3.99 02102 02103 PPLN03 24435654034206428600128 RIVERSIDE PUB AND GRILL BELAIR MD 31.77 02105 02106 PPLN03 24692164036000304387702 MCAFEE 866.622-3911 TX 79.99 02108 02/10 PPLN03 24164074040418226414319 USPS CHANGE OF66100959 800-2383150 TN 1.05 Payments Atllustments and Other 02114 02/14 57675485 INTERNET PMT-THANK YO1.U 125.00- TOTAL PAYMENTS OR ADJUSTMENTS $ 125.00- Inte est Charged; 02121 02/21 PPLN03 74705174052314052564000 INTEREST CHARGE PURCHASE 62.12 TOTAL INTEREST FOR THIS PERIOD 5 62.12 2014 Totals Year ToDate Total Fees Charged in 2014 $0.00 Total Interest Charged in 2014 $129.72 ImportAnt�Messages THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS $496.35. :Interest,Charge C:al:culatlonLPlan.Le�ei information ,, �-- F .>: - Plan Plan ICMt Previous Balance Subject Periodic I Annual Percentagel interest Ending Balance Name Description Balance to Interest Rate Rate2 Rate(APR)3 Charge g Purchases PPLN03 001 PURCHASE G 56,208.10 $6,276.93 0.03534%(D) 12.9000% (V) $62.12 $6,373.01 Cash CPLN04001 CASH A S0.00 $0.00 0.04082%(D) 14.9000% (V) $0.00 $0.00 TOTAL $6,208.10 $6,276.93 $62.12 $6,373.01 t ICM Interest Charge Method:See reverse side of Page 1 for explanation. 2 Periodic Rate(M)=Monthly (D)=Daily 3 Your Annual Percentage Rate(APR)is the annual interest rate on your account. (V)=Variable Rate.If you have a variable rate account the periodic rate and Annual Percentage Rate(APR)may vary. t Page 3 of 3 22907-22218 NASAFEDERAL CRF:Dri'UN10N BRIAN KATER Statement Closing Date: Account Number:############7454 March 24, 2014 Surlimary of Account Activity Payment lnfOrinafion Previous Balance $ 6,373.01 New Balance $6,313.94 Payments 128.00- Minimum Payment Due $127.00 Other Credits 0.00 Payment Due Date 04/18/14 Other Debits + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR Purchases + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY Cash Advances + 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR'S MAY BE Fees Charged + 0.00 INCREASED UP TO THE PENALTY APR OF 18.000/a Interest Charged + 68.93 NEW BALANCE $6,313.94 Credit Limit $6,500.00 PLATINUM Available Credit 186.06Points Available Cash 186.06 ADVANTAGE Available Amount Disputed 0.00 REWARDS 6,583 Statement Closing Date 03124/14 Days in Billing Cycle 31 ad,Information Ilk., 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) C Redeem Your Rewards at: V, Report Lost or Stolen Card:(888)NASA-FCU(627-2328) 'v AdvantageRewardsCard.com e6,, Please send Billing inquiries and Correspondence to: Please Mail Your Payments to: r► NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 $ NASA FCU PO BOX 31021 TAMPA,FL 33631-3021 M Inimum Payment Warning:if you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: Uyou make no additional charges using`this' You Hnli pey off the balance shown on this And you Hell end;up paying an estimated card;and each.month,you pay -'_statement m about;: dotal of Only the minimum payment 20 years $12,511.00 212.00 3 years $7,633.00 (Savings=$4,878.00) If you would like information about credit counseling services,call(866)791-4360. NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION p�p AccountlNumtier'°:'= PO BOX 1778 N/\7/\FEDERAL ############7454 BOWIE MD 20717-1778 CRfiUnr UNION Check box to indicate ❑ name/oddmss change on back of this coupon Total,Minimum. ""ti AMOUNT OF PAYMENT ENCLOSED Closing Date New Balanr�; � Payment Due Da _ .Ra meht Dues. :. 03/24/14 $6,313.94 $127.00 04/18/14 MAKE CHECK PAYABLE TO: BRIAN KATER 1323 BARTLEY PL = IIrIIrIrIIr�IIIIIIIIIIIIIIIIIIIIIrIIIIIIIIIIIIrIIIIIIriIIIIIII BELCAMP MD 21017-1120 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 17211 3007 7454 00012700 00631394 7 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate,The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and senates that you obtain through the use of your card is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins from the date the transaction is posted to youraccount,and the Interest Charge on cash advances begins from the date you obtained the cosh advance,or the first day of the billing cycle in which it Is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying tire Periodic Rate to the'average daily balance"of your account To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new transactions).To avoid incurring additional Interest Charges on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your next monthly statement,you must pay the entire"New Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interest Charges for o billing cycle are computed by applying the Periodic Rate to the`average daily balance"of purchases(and if applicable,cash advances).To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Crediting and Credit Balance.Payments received by 5PM at the location specified on the front of the statement after the phrase'Please Mali Your Payment To:'will be credited as of the date of receipt to the account specified on the payment coupon.Payments made In person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set forth on or with the periodic statement(e.g.missing payment stub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but shall be credited within five days of receipt.If there is a credit balance due on your account,you may request,in writing,a full refund.Submit your request to the address indicated on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn.This electronic debit,which may be posted to your account as early as the dale your check is received,will be only for the amount of your check.The original check will be destroyed and we will retain the image in our records.If you have questions please cell the customer service number on the front of this billing statement, Closing Date.The closing date is the last day of the billing cycle;all transactions received after the closing date will appear on your next statement. - Annual Fee.If your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill,to the address listed on the front of this statement after the phrese"Please send Billing Inquiries and Correspondence to"You may use your card(s)during this 30 day period but immediately thereafter must send your card(s),which you have cut in half to this same address. Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. BILLING RIGHTS SUMMARY Whet To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at the address shown on the front of this billing statement after the phrase'Please send Billing Inquiries to':In your letter,give us the following inforrnation: • Account Information: Your name and account number. • Dollar Amount The dollar amount of the suspected error. • Descrlolion of Problem: if you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors in writing(or electronically).You may call us,but if you do, we are not required to investigate any potential mors and you may have to pay the amount in question.While we investigate whether or not there has been an error.the following are We: • We cannot try to collect the amount in question,or report you as delinquent on that amount. • The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount • While you do not have to pay the amount in question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rlohts If You Are Dlssatlsfled With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this right,all of the following must be true: t. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us In writing(or electronically)at the address shown on the front of this billing statement following the phrase"Please Bend Billing Inquiries to*: While we investigate,the same rules apply to the disputed amount as discussed above.Afterwe finish our investigation.we will tell you our decision.At that point,it we think you owe an amount and you do not pay,we may report you as delinquent - Please provide a legal document evidencing your name change,such as a court document. Please use blue or black ink to complete form NAME CHANGE Last —I �_� L..1—L_I I i ii � i I I_I__.�._? First ' ! I Middle f ADDRESS CHANGE Street '--- . 1 City ----.i ___ ._ �L__.._...i..� =—�_.. _._! State ...----ZIP Code.--.....-_.- ---..... Home Phone ( ) Business Phone ( ;) Cell Phone E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2of3 V SA FEDERAL CREDIT UNION BRIAN KATER Statement Closing Date: Account Number:############7454 March 24,2014 T,ransactio:ns Trans Date Post Date Plan Name Reference Number Description Amount Payments Ad�ustmefit and Other 03/16 03116 58412523 INTERNET PMT-THANK YOU 128.00- - TOTAL 8 00- TOTAL PAYMENTS OR ADJUSTMENTS $ 128.00- Interest Charged 03/24 03124 PPLN03 74705174083749083064004 INTEREST CHARGE PURCHASE 68.93 TOTAL INTEREST FOR THIS PERIOD S 68.93 2014 Totals**- at�e Total Fees Charged in 2014 $0.00 Total Interest Charged in 2014 $198.65 k THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS $496.35. InterestCharge CaIcUlabOhIPlan euel In'formatton PlanT Plan ICM Previous Balance Subject Periodic Annual Percentage Interest Ending Balance Name Description Balance 1. to Interest Rate RateRate(APR) Charge Purchases "`— PPLN03001 PURCHASE G $6,373.01 $6,291.76 0.03534%(D) 12.9000% M $68.93 $6,313.94 Cash GPLN04 001 CASH A S0.00 $0.00 0.04082%(D) 14.9000% (V) $0.00 $0.00 TOTAL $6,373.01 $6,291.76 $68.93 $6,313.94 r ICM Interest Charge Method:See reverse side of Page 1 for explanation. 2 Periodic Rate(M)=Monthly (D)=Daily 3 Your Annual Percentage Rate(APR)is the annual Interest rate on your account. (V)=Variable Rate.If you have a variable rate account the periodic rate and Annual Percentage Rate.(APR)may vary.. Page 3 of 3 22741-22037 NASAFEDERAL CREDfI'UNION BRIAN KATER Account Number:######k/i#####7454 Statement Closing Date: April 23, 2014 Summary of;Account Actlty - Rayment::16 rmation Previous Balance $ 6,313.94 New Balance $6,405.15 y (Includes Past Due Amount of 127.00) Minimum Payment Due $256.00 Payments 0.00 (Includes Past Due Amount of 127.00) Other Credits 0.00 Other Debits + 0.00 Payment Due Date 05/18/14 Late Payment Warning: IF WE DO NOT RECEIVE YOUR Purchases + 0.00 Cash Advances + MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR'S MAY BE Fees Charged + 25.00 INCREASED UP TO THE PENALTY APR OF 18.000/a Interest Charged + 66.21 NEW BALANCE $6,405.15 Credit Limit $6,500.00 PLATINUM Points Available Credit 94.85 ADVANTAGE Available Available Cash 94.85 R E W A R D S 6,583 Amount Disputed 0.00 Statement Closing Date 04/23114 Days in Billing Cycle 30 " ContactLnformatlon !` 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) Redeem Your Rewards at: 4, Report Lost or Stolen Card:(888)NASA-FCU(627-2328) AdvantageRewardsCard.com A\ Please send Billing Inquiries and Correspondence to: Please Mail Your Payments to: NIP NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 NASA FCU PO BOX 31021 TAMPA,FL 33631-3021 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: 16you maku.no additional charges using fhls Xou will payoffthe?balance shown on this And you well end'uP paytng,an estimated card:•and each rrlonth.you pay staternenf in about;? =dotal of Only the minimum payment 20.years $12,706.00 215.00 3 years $7,742.00 (Savings=$4,964.00) If you would like information about credit counseling services,call(866)791-4360. NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 5150 PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION -AccliuntiNiimtier PO BOX 1778 �/� BOWIE MD 20717-1778 •N/pL7/i FEDERAL ##1##########7454 CkEU1T UNION Check box to indicate ❑ nameladdress change on beck of this coupon ' Totak,Mlnimum` AMOUNT OF PAYMENT ENCLOSED Closing Dafe New Balance Payment Due Date Pa ment Due 04/23/14 $6,405.15 $256.00 05/18/14 MAKE CHECK PAYABLE TO: BRIAN KATER 926 SCOTTISH CT I.1I 1111111 11„1111111111111111111111111/11111111111111,11111 MECHANICSBURG PA 17050-1809 = NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 1720 3007 7454 00025600 00640515 3 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins from the date the transaction is posted to your account,and the Interest Charge on cash advances begins from the date you obtained the cash advance,or the first day of the billing cycle in which it is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rale to the'average daily balance"of your account-To get the average daily balance,we lake the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new transactions).To avoid incurring additional Interest Charges on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your next monthly statement,you must pay the entire"New Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'average daily bolonce'of purchases(and if applicable,cash advances).To getths average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the dally balances for the billing cycle and dnide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Crediting and Credit Balance.Payments received by 5PM at the location specified on the front of the statement after the phrase"Please Mail Your Payment To:"will be credited as of the date of receipt to the account specified on the payment coupon.Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set font on or with the periodic statement(e.g.missing payment stub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but shall be credited within five days of receipt.It there is a credit balance due on your account,you may request,in wiling,a full refund.Submit your request to the address Indicated on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn.This electronic debit,which may be posted to your account as eery as the date your check is received,will be only for the amount of your check The original check will be destroyed and we will retain the image in our records.If you have questions please call the customer service number on the front of this billing statement Closing Date.The closing date is the last day of the billing cycle;all transactions received after the closing dale will appear on your next statement. Annual Fee.if your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill,to the address listed on the front of this statement after the phrase'Please send Billing Inquiries and Correspondence to:"You may use your cord(s)during this 30 day period but immediately thereafter must send your card(s),which you have cul in half to this some address. Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. BILLING RIGHTS SUMMARY What To Do If You Think You Find A Mistake On Your Statement It you think there is an error on your statement,write to us at the address shown on the front of this billing statement after the phrase'Please send Billing Inquiries...to*:In your letter,give us the following information: • Account Information: Your name and account number. Dollar Amount: The dollar amount of the suspected error. • Desolation of Problem: Ifyou think there is an erroron your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.You must natty us of any potential errors in whim (or electronically).You may callus,but if you do, we are not required to investigate any potential errors and you may haw to pay the amount in question.While we investigate whether or not there has been an error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. • The charge in question may remain on your statement,and we may continue to charge you intereston that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount • While you do not have to pay the amount in question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rfahts If You Aro Dissatisfied With Your Credit Card Purchases H you are dissatisfied with the goods or services that you have purchased with your credit caro,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this right,all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address,and the purchase price must have been more than$50. (Note:Neither of these are necessary if your purchase was based on an advertisement we matted to you,or if we oven the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing(or electronically)at the address shown on the front of this billing statement following the phrase"Please send Billing Inquiries.-to": While we Investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that paint,if we think you owe an amount and you do not pay,we may report you as delinquent. Please provide a legal document evidencing your name change,such as a court document. Please use blue or black ink to complete form NAME CHANGE last i LLI I f�_1f i I L __ I_ First �I I Middle ADDRESS CHANGE Street i ! ! I City _— State :ZIP Code l Home Phone ( ) j Business Phone ( ) L Cell Phone ( ) ! E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2of3 NASAFEDERAL CREDIT UNION BRIAN KATER Statement Closing Date: Account Number:############7454 April 23,2014 Transactions Trans Date Post Date Plan Name Reference Number Description Amount 04/23 04123 PPLN03 74705174113009113062005 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $ 25.00 Interest Charged, 04123 04/23 PPLN03 74705174113008113964004 INTEREST CHARGE PURCHASE 66.21 TOTAL INTEREST FOR THIS PERIOD S 66.21 2014 Totals Year To'Date Total Fees Charged in 2014 $25.00 Total Interest Charged in 2014 $264.86 ;Important:Messages. PLEASE NOTE MINIMUM PAYMENT DUE.WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS.LATE PAYMENTS,MISSED PAYMENTS,OR OTHER DEFAULTS MAY BE REFLECTED IN YOUR CREDIT REPORT. ''Interest=Char,:ge'Calculation7Ptan-_Level--.Inforrnation - Plan Plan ICM Previous Balance Subject Periodic Annual Percentage Interest Ending Balance Name Description Balance to Interest Rate Rate2 Rate(APR)3 Charge g Purchases PPLN03 001 PURCHASE G S6,313.94 $6,245.01 0.03534%(D) 12.9000% (V) $66.21 $6,405.15 Cash CPLN04 001 CASH A S0.00 S0.00 0.04062%(D) 14.9000% (V) $0.00 S0.00 TOTAL $6,313.94 $6,245.01 $66.21 $6,405.15 1 ICM Interest Charge Method:See reverse side of Page 1 for explanation. .2 Periodic Rate(M)=Monthly (D)=Daily 3 Your Annual Percentage Rate(APR)is the annual interest rate on your account. (V)=Variable Rate.If you have a variable rate account the periodic rate and Annual Percentage Rate(APR)may vary. Page 3 of 3 22643-21920 NACn FEDERAL CREDfr UNION BRIAN KATER Statement Closing Date: Account Number:############7454 May 25, 2014 Summary of Account Activity Payrnent;lnforinatlon Previous Balance $ 6,405.15 New Balance $6,511.06 (includes Past Due Amount of 256.00) Minimum Payment Due $398.06 Payments 0.00 (Includes Past Due Amount of 256.00) Other Credits 0.00 Payment Due Date 06/18/14 Other Debits + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR Purchases + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY Cash Advances + 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR's MAY BE Fees Charged + 35.00 INCREASED UP TO THE PENALTY APR OF 18.00% Interest Charged + 70.91 NEW BALANCE $6,511.06 Credit Limit $6,500.00 PLATINUM Points Available Credit 0.00 ADVANTAGE Available Available Cash 0.00 REWARDS 6,583 Amount Disputed 0.00 Statement Closing Date 05/25/14 Days in Billing Cycle 32 Contact.Informatlon` It 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) ' % Redeem Your Rewards at: gyp. Report Lost or Stolen Card:(888)NASA-FCU(627-2328) AdvantageRewardsCard.com d� Please send Billing Inquiries and Correspondence to: �i Please Mall Your Payments to: `I NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 'A NASA FCU PO BOX 31021 TAMPA,FL 33631-3021 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: If you make na'add[one it.arges using this You will pay off the balanceshown ori this Andryou will end up payingan estimated card and each monthyou pay;. tatemeht In atiout total of IN Only the minimum payment I 20 years $12,931.00 219.00 3 years $7,869.00 (Savings=$5,062.00) If you would like information about credit counseling services,call(866)791-4360. NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION I "?'Accoufit. Nuriitier PO BOX 1718 pip FEDERAL #### #######7454 BOWIE MD 20717-1778 �/V7!\CREOIT UNION Check box to indicate ❑ name/address change on back of this coupon Closing Date; New Balance'; Total.Minimum paymentiDue Date'. AMOUNT OF PAYMENT ENCLOSED Pa ment.Due 05/25/14 $6,511.06 $398.06 06/18/14 ] MAKE CHECK PAYABLE TO: BRIAN KATER 926 SCOTTISH CT 11111111 all 11111 11 Ill 11111111 MECHANICSBURG PA 17050-1809 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 1720 3007 7454 00039806 00651106 4 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services thetyou obtain through the use of your card is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins from the date the transaction is posted to your account,and the Interest Charge on cash advances begins from the date you obtained the cash advance,or the first day of the billing cycle in which it is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'average daily balance"of your account.To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new transactions).To avoid incurring additional Interest Charges on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your next monthly statement,you must pay the entire"Naw Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'average daily balance"of purchases(and if applicable,cash advances).To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Crediting and Credit Balance.Payments received by 5PM at the location specified an the front of the statement after the phrase"Please Mall Your Payment To:'will be credited as of the date of receipt to the account specified on the payment coupon.Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set forth on or with the periodic statement(e.g.missing payment slub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the some envelope)may be subject to delay In crediting,but shall be credited within five days of receipt.11 there is a credit balance due on your account,you may request,in writing,a full refund.Submit your request to the address indicated on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizJng the use of the information on your check to make a one-time electronic debit from the account on which the check Is drawn.This electronic debit,which may be posted to your account as early as the date your check is received,will be only for the amount of your check.The original check will be destroyed and we will retain the image in our records.If you have questions please call the customer service number on the front of this billing statement. Closing Date.The closing dale is the lost day of the billing cycle;all transactions received after the closing date will appear on your next statement. Annual Fee.If your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing dale of this bill,to the address listed on the front of this statement after the phrase'Please send Billing Inquiries and Correspondence to:'You may use your card(s)during this 30 day period but immediately thereafter must send your card(s),which you have cut in half to this same address. Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. BILLING RIGHTS SUMMARY What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at the address shown on the front of this billing statement after the phrase*Please send Billing Inquiries to*:In your letter,give us the following information: • Account Information: Your name and account number. • Dollar Amount: The dollar amount of the suspected error. • Descriolion of Problem: If you think there Is an error on your bill,describe what you believe is wrong and wiry you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors In writfna(or electronically).You may call us,but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error,the following are true: • We cannot try to collect the amount in question,or report you as delinquent on that amount. • The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have t0 pay the amount In question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit Your Riahts If You Are Dissatisfied With Your Credit Card Purchases If you ere dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this right,all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in wrifln (or electronically)at the address shown on the front of this billing statement following the phrase'Please send Billing inquiries...to*: While we investigate,the some rules apply to the disputed amount as discussed above.Afterwe finish our investigation,we will tell you our decision.At that point,if we think you owe an amount and you do not pay,we may report you as delinquent. ' Please provide a legal document evidencing your name change,such as a court document. Please use blue or black ink to complete form NAME CHANGE Last 1_L_LL_ LJ.. First I Middle , I ADDRESS CHANGE Street 1 City -- -- —_..... ........ % State -- -.'ZIP Code: --..._.__.__.._j Home Phone ( ) . ; ; Business Phone i r Cell Phone ( I E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2 of 3 NAS! l FEDERAL CREDIT UNION BRIAN KATER Statement Closing Date: Account Number:,############7454 May 25,2014 .T•ransactions . .-_.: Trans Date Post Date Plan Name Reference Number Description Amount Fees 05125 05/25 PPLN03 74705174145620145162001 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 Interest Charged ;r... .,, 05!25 05125 PPLN03 74705174145619145064001 INTEREST CHARGE PURCHASE 70.91 TOTAL INTEREST FOR THIS PERIOD $ 70.91 2014?otats Year 0:Dafe Total Fees Charged in 2014 $60.00 Total Interest Charged in 2014 $335.77 ImporfantMessages: YOUR ACCOUNT IS TWO PAYMENTS PAST DUE.IN ORDER TO AVOID CANCELLATION, MAKE AN IMMEDIATE PAYMENT BY CALLING TOLL-FREE 855.851-6132. lnteresYCharge Calculatloh/Plan L'Ovel.Infor..mati.on Name Description t Balance to Interest Rate Rat Plan Plan ICM Previous Balance Subject Periodic Annual Percentage Interest Endin Balance e2 I Rate(APR)3 Charge g Purchases PPLN03 001 PURCHASE G $6.405.15 $6,270.01 0.03534%(D) 12.9000% M $70.91 $6,511.06 Cash CPLN04 001 CASH A S0.00 50.00 0.04082%(D) 14.9000% (V) 50.00 50.00 TOTAL $6,405.15 $6,270.01 $70.91 $6,511.06 t ICM Interest Charge Method:See reverse side of Page 1 for explanation. 2 Periodic Rate(M)=Monthly (D)=Daily 3 Your Annual Percentage Rate(APR)is the annual interest rate on your account. (V)=Variable Rate.If you have a variable rate account the periodic rate and Annual Percentage Rate(APR)may vary. Page 3 of 3 22502-21752 NASAFEDERAL CREDll'UNION BRIAN KATER Statement Closing Date: Account Number:############7454 June 23,2014 Summary of Account,Actiuity ayment:Ihf-6rrliatIbn Previous Balance $ 6,511.06 New Balance $6,610.68 (Includes Past Due Amount of 387.00) Minimum Payment Due $630.68 Payments 0.00 (Includes Past Due Amount of 387.00) Other Credits 0.00 Payment Due Date 07/18/14 Other Debits + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR Purchases + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY Cash Advances + 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR'S MAY BE Fees Charged + 35.00 INCREASED UP TO THE PENALTY APR OF 18.000/c. Interest Charged + 64.62 NEW BALANCE $6,610.68 Credit Limit $6,500.00 PLATINUM Points Available Credit 0.00 ADVANTAGE Available Available Cash 0.00 R E W A R D S 6,583 Amount Disputed 0.00 Statement Closing Date 06/23/14 Days in Billing Cycle 29 '. Contact;Inforination .` 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) Redeem Your Rewards at: Report Lost or Stolen Card:(888)NASA-FCU(627-2328) AdvantageRewardsCard.com d�h,' Please send Billing Inquiries and Correspondence to: Please Mail Your Payments to: `IP NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 $ NASA FCU PO BOX 31021 TAMPA,FL 33631-3021 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: 1f you make no addltionailcherges uslrig;thls You swill,pay off the.balance,'shown tin thts; And you Hall end up paylrig"en estlmeted card andeach month`,.you pay statement in about ? dotal of..;;` Only the minimum payment 21 years • -$13,132.00 222.00 3 years $7,988.00 (Savings=$5,144.00) If you would like information about credit counseling services,call(866)791-4360. NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION A /��/� 'At countrNuinb6rt; I PO BOX 1778 1 Ll t.7/l FEDERAL ############7454 BOWIE MD 20717-1778 CREDIT UNION Check box to indicate ❑ name/addrass change on beck of this coupon TotalWinlmum AMOUNT OF PAYMENT ENCLOSED Closing Date_ New Balance,: -,;Payment Due Date Pa ment�Due 06/23/14 $6,610.68 $630.68 07/18/14 MAKE CHECK PAYABLE TO: BRIAN KATER 926 SCOTTISH CT I�Illlllilllilrlllllrrlrlllllllllllllllll.11111,IIIIIIIIIIIIII MECHANICSBURG PA 17050-1809 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 1720 3007 7454 00063068 00661068 0 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account far Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins from the date the transaction is posted to your account,and the Interest Charge on cash advances begins from the date you obtained the cash advance,or the first day of the billing cycle in which it is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to lhe'overage,deity balance"of your account To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new transactions).To avoid incurring additional Interest Charges on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your next monthly statement,you must pay the entire"New Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interact Charges for a billing cycle are computed by applying the Periodic Rate to the'average deity balance"of purchases(and if applicable,cash advances).To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the dally balances for the billing cycle and divide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Crediting and Credit Balance.Payments received by 5PM at the location specified on the front of the statement atter the phrase*Please Mall Your Payment To:'will be credited as of the date of receipt to the account specified on the payment coupon.Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set forth on or with the periodic statement(e.g,missing payment stub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but shall be credited within five days of receipt.If there Is a credit balance due on your account,you may request,In writing,a full refund.Submit your request to the address indicated on the front of this statement after the phrase'Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn.This electronic debit,which may be posted to your account as early as the date your check is received,will be only for the amount of your check.The original check will be destroyed and we will retain the image in our records.if you have questions please call the customer service number on the front of this billing statement Closing Date.The closing dale is the lost day of the billing cycle;all transactions received after the closing date will appear on your next statement- Annual tatementAnnual Fee.If your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill,to the address listed on the front of this statement after the phrase'Please send Billing Inquiries and Correspondence to: You may use your card(s)during this 30 day period but Immediately thereafter must send your card(s),which you have cut in half to this some address. Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. BILLING RIGHTS SUMMARY What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at the address shown on the front of this billing statement atter the phrase'Please send Billing Inquiries...to":In your letter,give us the following information: • Account Information: Your name and account number. • Dollar Amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill,describe what you believe is wrong and wiry you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors in writing(or electronically).You may callus,but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not Mare has been an error,the fallowing are true: • We cannot try to collect the amount in question,or report you as delinquent an that amount • The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rlahts If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this right,all of the following must be true: t. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for We purchase. If all of the criteria above•are met and you are still dissatisfied with the purchase,contact us in wriffna(or electronically)at the address shown on the front of this billing statement following the phrase'Please send Billing Inquiries to*: While we Investigate,the same rules apply to the disputed amount as discussed above.After we.finish our investigation,we will tell you our decision.At that point,If we think you owe an amount and you do not pay,we may report you as delinquent. Please provide a legal document evidencing your name change,such as a court document. Please use blue or black ink to complete form NAME CHANGE Last i __�._�� First Middle ADDRESS CHANGE Street is City i '.._. - j ..'.__ ......! _1 State •-- - ZIP Code:. ._ ......__..........__.. Home Phone ( ) ; Business Phone Cell Phone ( ) ! E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2 of 3 N/ S \FEDERAL CREDtI'UNION BRIAN KATER Statement Closing Date: Account Number:############7454 June 23,2014 .Transactions Trans Date Post Date Plan Name Reference Number Description Amount ,Fees 06123 06123 PPLN03 747051 74174138174962005 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 Interest Charged 06123 06123 PPLN03 74705174174137174864005 }INTEREST CHARGE PURCHASE 64.62 TOTAL INTEREST FOR THIS PERIOD $ 64.62 2014 Totals Year TrzDate Total Fees Charged in 2014 $95.00 Total Interest Charged in 2014 $400.39 ,-mpo, arrt,:Messages,';. THIS ACCOUNT IS SERIOUSLY PAST DUE.THE PAYMENT IS NOW 3 MONTHS OVERDUE. CALL NASA FCU IMMEDIATELY, TOLL-FREE AT 855.851-6132,TO MAKE PAYMENT ARRANGEMENTS TO AVOID FURTHER COLLECTION ACTION. Interest-Charge':Calculation/Plan,Level information Plan Plan ICM1 Previous Balance Subject Periodic Annual Percentage Interest Ending Balance Name Description Balance to Interest Rate Rate2 Rate(APR) Charge Purchases i PPLN03 001 PURCHASE G S6,511.06 $6,305.01 0.03534%(D) 12.9000% (V) $64.62 $6,610.68 Cash CPLN04 001 CASH A $0.00 $0.00 0.04082%(D) 14.9000% (V) $0.00 S0.00 TOTAL $6,511.06 $6,305.01 $64.62 $6.610.68 1 ICM Interest Charge Method:See reverse side of Page 1 for explanation. 2 Periodic Rate(M)=Monthly (D)=Daily 3 Your Annual Percentage Rate(APR)is the annual interest rate on your account. (V)=Variable Rate.if you have a variable rate account the periodic rate and Annual Percentage Rate(APR)may vary. Page 3 of 3 22437-21660 NASAT\ FEDERAL CREDIT UNION BRIAN KATER Statement Closing Date: Account Number:########f 7454 July 24,2014 otj Summary:of Account Ac IV Paymenf"Information n Previous Balance $ 6,610.68 New Balance $6,715.14 (Includes Past Due Amount of 520.00) Minimum Payment Due $870.14 Payments 0.00 (Includes Past Due Amount of 520.00) Other Credits 0.00 Payment Due Date 08118/14 Other Debits + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR Purchases + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY Cash Advances + 0.00 HAVE TO PAY A LATE FEE UP TO$35 AND YOUR APR'S MAY BE Fees Charged + 35.00 INCREASED UP TO THE PENALTY APR OF 18.00%. Interest Charged + 69.46 NEW BALANCE $6,715.14 NASA Credit Limit $6,500.00 Available Credit 0.00 FEDERAL Available Cash 0.00 Amount Disputed 0.00 CREDIT UNION Statement Closing Date 07/24/14 Days in Billing Cycle 31 _ SI ,1 f t, t ct'tln I E Conta formation h s: 24 Hour Cardmember Service:(888)NASA-FCU(627-2328) Visit Us Online at: Report Lost or Stolen Card:(888)NASA-FCU(627-2328) nasafcu.com and log into eBranch d\ Please send Billing Inquiries and Correspondence to: Please Mail Your Payments to: `Y NASA FCU PO BOX 31535 TAMPA,FL 33631-3535 NASA FCU PO BOX 31021 TAMPA,FL 33631-3021 Minimum Payment Warning:if you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: If you make no additional charges using this You vnll.pay off the balance'shown on'this ! And youw111 end up paying an estimated r`8;and eachmonth;you pay ,;',; statement in about total of Only the minimum payment 21 years $13,351.00 225.00 3 years $8,113.00 (Savings=$5,238.00) If you would like information about credit counseling services,call(866)791-4360. NOTICE:CONTINUED ON PAGE 3 Page 1 of 3 VP-* PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY NASA FEDERAL CREDIT UNION A,�CA z -Account'Nurnbe'r<>' PO BOX 1778 1 V/ S \FEDERAL ############7454 BOWIE MD 20717-1778 CREDIT UNION Check box to indicate nameladdrass change on back of this coupon 17 Total MinimumuAMOUNT OF PAYMENT ENCLOSED Closing Date: New Balance` Payment"Due Date; . Pa ment Due._. - 07/24/14 $6,715.14 $870.14 08/18/14 MAKE CHECK PAYABLE TO: BRIAN KATER 926 SCOTTISH CT 1121111111111111111111IIII 111111111111111111111111111111111III MECHANICSBURG PA 17050-1809 NASA FCU PO BOX 31021 TAMPA FL 33631-3021 21 4705 1720 3007 7454 000870114 00671514 7 IMPORTANT INFORMATION Interest Charge Calculation Methods(ICM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card Is specified on the front side of this statement and explained below: Method A-Average Daily Balance(including new transactions).The Interest Charge on purchases begins train the date the transaction is posted to your account,and the Interest Charge on cash advances begins from the date you obtained the cash advance,or the first day of the billing cycle in which it is posted to your account,whichever is later.There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the"average dairy balance'of your account.To get the average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G-Average Daily Balance(including new lmnsoctions).To avoid incurring additional Interest Charges on the balance of purchases(and cash advances,if Method G is specified as applicable to cash advances)reflected on your monthly statement and,on any new purchases(and if applicable,cash advances)appearing on your next monthly statement,you must pay the entire"New Balance"in full,shown on your monthly statement,on or before the Payment Due Date. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the"average daily balance"of purchases(and if applicable,cash advances).To getthe average daily balance,we take the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the daily balance.Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.This gives us the average daily balance. Payment Credlting and Credit Balance.Payments received by 5PM at the location specified on the front of the statement after the phrase'Please Mall Your Payment To:'will be credited as of the date of receipt to the account specified on the payment coupon.Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day.Payments that do not conform to the requirements set forth on or with the periodic statement(e.g.missing payment stub, payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but shall be credited within five days of receipt.It there is a credit balance due on your account,you may request,in writing,a full refund.Submit your request to the address indicated on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to". By sending your check,you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn.This electronic debit,which may be posted to your account as early as the dale your check Is received,will be only for the amount of your check.The original check will be destroyed end we will retain the image in our records.If you have questions please call the customer service number on the front of this billing statement Closing Date.The closing dale is the last day of the billing cycle;all transactions received after the closing date will appear on your next statement Annual Fee.If your account has been assessed an annual fee,you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill,to the address listed on the front of this statement after the phrase"Please send Billing Inquiries and Correspondence to.'You may use your card(s)during this 30 day period but immediately thereafter must sand your card(s),which you have cut in half to this same address. Negative Credit Reports.You are hereby notified[hat a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terns of your credit obligations. BILLING RIGHTS SUMMARY What To Do If You Think You Find A Mistake On Your Statement It you think there is an error on your statement,write to us at the address shown on the front of this billing statement after the phrase"Please send Billing Inquiries...to":In your letter,give us the following informatiom • Account Information: Your name and account number. • Dollar Amount: The dollar amount of the suspected error. • Description of Problem: Ifyou think there is an error on your bili,describe what you believe Is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.You must nobly,us of any potential errors in writing(or electronically).You may callus,but if you do, we are not required to investigate any potential errors and you mny have to pay the amount in question.While we investigate whether or not there has been an error,the following are true: • We cannot try to tolled the amount in question,or report you as delinquent on that amount. • The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount • While you do not have to pay the amount in question,you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit Your Rlahts If You Aro Dissatisfied With Your Credit Card Purchases N you are dissatisfied with the goods or services that you have purchased with yourcredit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase.To use this tight,all of the following must be true: t. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$W. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the onions above are met and you are still dissatisfied with the purchase,contact us In writin (or electronically)at the address shown on the front of this billing statement following the phrase"Please send Billing Inquiries to': While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision.At that point,If we think you owe, an amount and you do not pay,we may report you as delinquent- Please elinquentPlease provide a legal document evidencing your name change,such as a court document. Please use blue or black Ink to complete form NAME CHANGE Last First Middle I i ADDRESS CHANGE Street I ' i I City State ZIP Code: i Home Phone ( ;) Business Phone Cell Phone ( ! ) E-mail Address SIGNATURE REQUIRED TO AUTHORIZE CHANGES Signature Page 2 of 3 i N S Q, FEDERAL l CREOiT UNION I , i BRIAN KATER Statement Closing Date: i Account Number:############7454 July 24,2014 ..,. ... ..�..y.. ..'.....�.:�...��.:.,.::.:.._..�_...n cans ti - :. ...,..Y.:-. ....:�...... :........ . .. .-1. .... ... ac ons.. - i Trans Date Post Date Plan Name Reference Number 4 Description Amount 07124 07124 PPLN03 74705174205121205262002 LATE FEE 35.00 li TOTAL FEES FOR THIS PERIOD S 35.00 .. ..s.' ... .....i.''; ' "Inters' st'Char ed� 07124 07124 PPLN03 74705174205120205164002 INTEREST CHARGE PURCHASE 69.46 TOTAL INTEREST FOR THIS PERIOD S 69.46 Total Fees Charged in 2014 $130.00 Total Interest Charged in 2014 $469.85 :. ... .....: -. ..i..,_k..::..i.. .:... ..:...F::•...�.....L. ... ..........'1.,..1.\, �:.L>..Irrt :',:•.1,.a�.'j, T:f:: :,5:,:'.,<`' L': :;):: THIS ACCOUNT IS NOW 4 MONTHS PAST DUE.TO AVOID FURTHER DELINQUENT REPORTING TO THE CREDIT BUREAU, PAYMENT FOR THE FULL PAST DUE AMOUNTIS REQUIRED.MAKE AN IMMEDIATE PAYMENT BY CALLING TOLL-FREE, 1 855-851-6132. • -Levehlnformatio:ri .,.-.�, .�<: _ _ I Plan PlanICM1 Previous Balance Subject Periodic Annual Percentage Interest l Name Description Balance to Interest Rate Rate2 Rate(APR)3 Charge Ending Balance Purchases PPLN03 001 PURCHASE G S6,610.68 $6,340.01 0.03534%(D) 12.9000% M $69.46 $6,715.14 Cash . CPLN04001 CASH A S0.00 50.00 0.04082%(0) 14.9000% M S0.00 50.00 j TOTAL S6,610.68 $6,340.01 $69.46 S6,715.14 1 ICM interest Charge Method:See reverse side of Page 1 for explanation. - 2 Periodic Rate(M)=Monthly (D)=Daily 1 3 Your Annual Percentage Rate(APR)-is the annual interest rate on your account. I (V)=Variable Rate.If you have a variable rate account the periodic rate and Annual Percentage Rate(APR)may vary. f • 1 1 Page 3 of 3 22310-21610 i I � FEDERAL Member No. Statement Period Page Nnsn CREDIT UNION 357723 10/01/13 thru 12/31/13 2 of 2 i•M •' • •� Total Dividends Paid Year to Date ............. ...$0.00 .......................... Total Interest Paid Year to Date* ............................................$0.00 *excludes credit card interest VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities,that he/she is --�>O `a' 4 )J 190� (Name) __OOL6k� o� C °f��1'�1� �? y plaintiff herein,that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (Sign re WWR420685372 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY yy, vi rtr,r, 1 ; 1 fIL BONDI 2,011i OCT 21 PM 3: 1 1 CUMBERLAND COUNTY PENNSYLVANIA OF-F.10EOFTHE .ERFF NASA Federal Credit Union vs. Brian Kater Case Number 2014-6141 SHERIFF'S RETURN OF SERVICE 10/21/2014 08:51 PM - Deputy Shawn Gutshall, 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: Brian Kater at 926 Scottish Court, Silver Spring Township, Mechanics. rg PA 17050. dor .4" !'~NGi SHERIFF COST: $39.30 SO ANSWERS, ALL, DEPUTY October 22, 2014 RONFI ' R ANDERSON, SHERIFF (C) CountySuite Sheriff, Teleosoft, Inc. 72 Pi.: 1: 30 CUi An c„.11.j:r7kf 117S \-11. wr, WELTMAN, WEINBERG & REIS CO., L.P.A. BY: William T. Molczan Attorney for Plaintiff(s) I.D. No. 47437 436 7th Ave Ste 2500 Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 434-7959 File # 20685372 WTMISJS NASA FEDERAL CREDIT UNION vs. BRIAN KATER Cumberland County Court of Common Pleas No.: 14-6141 CIVIL PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. William T. Molczan, Erscluir By Attorney for Plaintiff 1111111H111 11111 1111 111111 11111111111101 11111 11111111111111 111111111