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Home My WebLink About05-4525 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS, INC. Plaintiff : 5)..5 : NoDS -'-I Civil Term vs. ROBERTA TOTH, : CIVIL ACTION Defendant 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 ATTORNEYS 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 MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED NY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORT ANT 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 2 LIBERTY AVENUE CARLISLE, PAl 70 I3 TELEPHONE (717) 249-3166 ~ ~. Mege,< . Attorney ID No. 81288 Attorney for Plaintiff Law Offices of Alan R. Mege, Esq. P.O. Box 1426 Bethlehem, PA 18016-1426 (610) 954-5393 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA COMMONWEALTH FINANCIAL SYSTEMS, INC. Plaintiff S~6 No. D5-4 Civil Tenn vs. ROBERTA TOTH, CIVIL ACTION Defendant COMPLAINT I. The Plaintiff is Commonwealth Financial Systems, Inc. ("CFSI"), a corporation with an address of 120 North Keyser Avenue, Scranton, PA 18504. 2. The Defendant is Roberta Toth ("Toth"), an individual with an address of 3 I Hoover Rd., Carlisle, PA 17013. Count I - Breach of Contract 3. Defendant applied for and received a Bank Of America credit card, account number 5442-6260-0097-2288. 4. Use of the Bank Of America Card was subject to the terms of the Visa or MasterCard Cardmember Account Agreement ("Agreement"), a copy of which was sent to the Defendant along with the credit card. A true and correct copy of the Agreement is attached hereto, made a part hereof and marked as Exhibit "A". 5. Defendant used the Bank Of America Card Account number 5442-6260-0097_ 2288 for purchases, cash advances, and/or balance transfers. 6. Defendant was mailed account statements relative to the Defendant's use of the Bank Of America Card. 7. The Defendant has defaulted under the terms of the Agreement by failing to make monthly payments as they became due and owing. 8. The within account was sold by Bank Of America, N.A.(USA) to Unifund CCR Partners ("Unifund") for valuable consideration and all rights under said account were assigned to Unifund, whereupon Unifund sold the within account for valuable consideration to PlaintiffCFSI and all rights under said account were assigned to CFSI. A true and correct copy of a Bill Of Sale and Affidavit Of Indebtedness are attached hereto, made a part hereof and marked collectively as Exhibit "B". 9. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may declare the entire unpaid balance immediately due and payable without notice or demand. I O. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the unpaid balance. I I. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff's court costs and reasonable attorneys fees. 12. As of June I 1,2004, the balance due and owing to Plaintiff from Defendant was $9,998.02. 13. To the extent this pleading is considered an initial communication, you are notified that unless you notifY us within thirty days after receipt of this letter that this debt, or any portion thereof, is disputed, we will asswne that this debt is valid. If you do notifY us of a dispute, we will obtain verification of the debt and mail it to you. Also, upon your written request within thirty days, we will provide you with the name and address of the original creditor if different from the original creditor. 2 WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$9,998.02 plus costs and interest at the rate of 20.49% per annum from June I I, 2004 as well as reasonable attorneys fees of$2,499.5 I and such other and further relief as the Court may deem just and appropriate. Count II - Account Stated 14. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 15. The within account was an account in writing and expressly or impliedly accepted by both parties. 16. The amounts due and owing to Plaintiff by Defendant are based on a subsisting debt and arise from a preexisting account or course of dealing between the parties. 17. This account is an Account Stated, thereby operating to foreclose any dispute over the amounts due. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$9,998.02 plus costs and interest at the rate of20.49% per annum from June I I, 2004 as well as reasonable attorneys fees of$2,499.5 I and such other and further relief as the Court may deem just and appropriate. Count III - Quantum Meruit 18. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 3 19. The services provided by Plaintiff, described above, were received by the Defendant, and the Defendant received and accepted the benefit of said services provided by Plaintiff. 20. At all times material hereto, Defendant was aware that Plaintiff was providing the aforesaid services to Defendant and expected to be paid for such. 21. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff to provide the aforementioned services and incur damages. 22. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said services without paying Plaintiff fair and reasonable compensation. 23. By reason of the aforesaid unjust enrichment of Defendant at Plaintiffs expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the amount of$9,998.02 plus costs and interest from June 1 I, 2004. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$9,998.02 plus costs and interest at the rate of 20.49% per annum from June I I, 2004 as well as reasonable attorneys fees of$2,499.5 I and such other and further relief as the Court may deem just and appropriate. 4 Count IV - Breach of Contract 24. Defendant applied for and received a Citibank Universal credit card, account number 5398-4000-2550-7410. 25. Use of the Citibank Universal Card was subject to the terms of the Cardmember Agreement ("Agreement"), a copy of which was sent to the Defendant along with the credit card. A true and correct copy of the Agreement is attached hereto, made a part hereof and marked as Exhibit "C". 26. Defendant used the Citibank Universal Card Account number 5398-4000-2550- 74 I 0 for purchases, cash advances, and/or balance transfers. 27. Defendant was mailed account statements relative to the Defendant's use of the Citibank Universal Card. 28. The Defendant has defaulted under the terms of the Agreement by failing to make monthly payments as they became due and owing. 29. The within account was sold by Universal Bank, N.A. to Unifund CCR Partners ("Unifund") for valuable consideration and all rights under said account were assigned to Unifund, whereupon Unifund sold the within account for valuable consideration to Plaintiff CFSI and all rights under said account were assigned to CFSI. A true and correct copy of a Bill Of Sale and Affidavit OfIndebtedness are attached hereto, made a part hereof and marked collectively as Exhibit "'D", 30. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may declare the entire unpaid balance immediately due and payable without notice or demand. 5 3 I. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the unpaid balance. 32. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiffs court costs and reasonable attorneys fees. 33. As of June I I, 2004, the balance due and owing to Plaintiff from Defendant was $12,944.62. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$12,944.62 plus costs and interest at the rate of23.99% per annum from June I I, 2004 as well as reasonable attorneys fees of$3,236. I 6 and such other and further relief as the Court may deem just and appropriate. Count V - Account Stated 34. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 35. The within account was an account in writing and expressly or impliedly accepted by both parties. 36. The amounts due and owing to Plaintiff by Defendant are based on a subsisting debt and arise from a preexisting account or course of dealing between the parties. 37. This account is an Account Stated, thereby operating to foreclose any dispute over the amounts due. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$12,944.62 plus costs and interest at the rate of23.99% per annum from June I I, 6 2004 as well as reasonable attorneys fees of$3,236. I 6 and such other and further relief as the Court may deem just and appropriate. Count VI - Quantum Meruit 38. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 39. The services provided by Plaintiff, described above, were received by the Defendant, and the Defendant received and accepted the benefit of said services provided by Plaintiff. 40. At all times material hereto, Defendant was aware that Plaintiff was providing the aforesaid services to Defendant and expected to be paid for such. 41. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff to provide the aforementioned services and incur damages. 42. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said services without paying Plaintiff fair and reasonable compensation. 43. By reason of the aforesaid unjust emichment of Defendant at Plaintiffs expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the amount of$12,944.62 plus costs and interest from June I 1,2004. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of$12,944.62 plus costs and interest at the rate of23.99% per annum from June I I, 7 2004 as well as reasonable attorneys fees of$3,236.l6 and such other and further relief as the Court may deem just and appropriate. 8 . ~ -~. .. . . ' ,... " ~ - l.. ~ ~ ) . -... ~i:~H'H ,H. ; ~, . T H H .; H~ ;~UL'I!i' t.!Ha" gHl~,; ~. }~'f . , . ~ !""H ~i 0 'j1,U "5 . HI ):s~. el "his . F'~f - .; il<.~ .;' '(:o(.ah:.h-; .'i "'" ~Hh' Je.i.Uh' i.~ t~i~! i~!.,:'.~d . '"i~b "Ii 2 <.Ii"" j ..G. 'oy6 i-!" aJ"j ~:t=' ; ~ b~ : 1Ji~f lh! i i;d; d~tUlf ~bH '~l'fi :j;!j H a:i!i 2 t hi 'i.sl ~ . ~ji all 1-5p- esf 'sa"! s 5i ,;U<' _" gm ~ i'f: i s ~ i f~ i! II~iiU ;jiP ~ ~!l j~~:! !! ~: hihhll'J,! j,lilllliiUf '!nl !Ill !!!!!I! ll:i!,. !i :llll "!H!~! lIi ~ If ~<i-f'.ll he IIga. ta.I.'i!'!1 ~i"-f ell: 15i !pjlJijdl' lIt 5Jgj !I J~!~l IlJ jiH~h~"; ~ii!ii ~~ ~I, u~Hiil!lWli:njfmi!lJni iidHH~fl lip!j! 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I glpoWl. .Pun:hII...: The AnnulI '''1>>>1'''' RdI tar p.re:huta. . ~ '*. _"'-""Y. Is 11tO ...._-kuMJ.,.."..... ('1ndex1 pIuo $.""-- - -"'... -.......... AnIMIIh._........... 13.2.."'(O'0362h.~.............A'lIO.., ._-~ Cuh.-.-, . The: ........ ,.. A.... "-.. b cuh ~ . ...."'&bte rae, -"'"_...",...........1Cl.9O_GW_._ . mWm.n AIwMlI '~.u.~..... Of 1~ Butd on 1hI$ -II\O-_~..__ _..,9....(0.05<25" 0.... . ~.g 0IiIy"-bdlie RaM}. ,....,. '_to.,4....~ . Tho ........ "-_ _ ...cril>od.1n ... Addi_ ~.. II rm. _ a:bled ID If'- ~ r....t........~ ~ deIc:dbId h .,. c:..a._N).. ~ 1M curet1I . ,llIfIIMI'~ I g. Ra Is 2(lj<4~ (O.osera:a COI!'~~ Doltf _.....~ OTHER CllARGES ,: ...., ~;1.:. ......a..."r. 0'Ihn;0_' U9 ",-"",,_Feo: m SIopP__ $.s ~o- 13..._ __ $15""'..... m . . AftIIM tntDmt.atlo . S..,.,.. . ,... IiIw S*'* t,II. lID' ..... __'s.. Of.M.dca...... ~,.,..IniM! ~ tItloA)IGU or Y'M_In_""....---__ ,lfw.......ct...~'__....~IrOJdnt............... 'tG4'~"'~.- J .("QaIdI~").I)OUdalW.lli'ffllh UlIO.... CUIIICtt..~ 1f"..)!Oti alWI....llt8rit:l Americe, P.o. eo. 21IlZl. ""'- VA _..1ll2S OJ do... oOd..... - ......_1oIophone -.-lUllbol(.j.... --....-. . :...;:.~t.A~ ~., "j';' ."........:...,. ,.. p' .... . ...j..,.... ...........1'1.............. .::: .' ..' "_,' ~,... : "~' -_.~_.,~~~W!~,,)<'I'~r...'1i#..>:.-~'~~~~T4.',.~~'gI~!!<:!;i;.O!~~.~~~~~ .-"" - " "' . '~ .' ,,: ':' .~ . , f::.':'.~.' ~',.:.~~':"}:.'\."'~' ,. .' -0[ .~ .- Bank of America '~:-r:';.. BANKAMERICARD< REWARDS VISA" CARDMEMBERAGReEMENT ADDITIONAL ClSCLOSURE The IoIowino I.."..... byo4Jl ~ Vila or "^" Gok:I Aaxx.nt r_1. EiaoI...... __.......... ~..._ Ca~~o.. AgretmInt 1fJPIIJ. ..... '- . ec:t1tkt. 1M len'NI h ...._~...- YOUR ACCOUHT ~p- , 1)'CU"8ar<<r:JA.~~~Ie;OlJrtIs~ and'p.l~is~b'~~welN)llr.\Nl'er ~ Ircm yI:III.... ..\CCCM1t II) COIIW' I'It 0VWdrUl (In ~ of $tOG). U 1On; as)'Q,l" ~ hIS IU'IIcin IYIiabIe Cttca'" and )ICIU""lCIIII'l4tf&llCIoI"'C*'_~I'JOI~~ is~~.Oowchft~""'n:lCbf ,yaJable. FlIWlCII CllAflQl 11___: !Oe it ..,bik".; ~ in wNcn" ~. Charge ~d on a l*:cc!ic_ 'at~~.uesil~. Cnh~F.-: . AiM ~..., ~0Ieeb- 3%. ($3 minmn) ~~-3'O;(S6_1 C&shOts~-~ (S10~) 0Jai~-~...{.$2!)~ 11;. ;,elVOOlC RAnS' EachQUaNr. ~ ~IheAnnu.lPM:.d. rw. by~ Mh -' inQex...,q; it: r.e PIWM RIIIi ('1M baa na on corporatt c.. .. IIrtJI! us. II'IaInI1 __ corin.wdd t.nhs) Nt is ~in 1I>>W.r5n<<.Jor.IrW("h:Iei:"}.w.UMlN.ft1e:Ittn i .1fec1001hI~"';Q~)CU"'lnthe~ I -- " w.... detamiN)'OW" ~ a '*-:: ........ ........_CycIeI. ....._"".. -...-.. - -."""'-'...... p- ..........,..- ..., Uf......._ - -.-."-'- i ec.5OlI2 PR :1-99 *-- 'O'lI9SilaIlI<oIAmerioa ;.::j; ~!.'" ,.' ~~~~'~"QSf~'~iIii>0t'?'~ ~;/~-;lI(,a':1#;~*,"'~~:-'';.'''~~,...,.,,,,~i>lViM'''t___~ , .", ,. . :':" . . '. . .: . . . ...... .. ,,~ -' : ", _..r - . . '( 1; ...-....._..~,..'.~ If hlnOu IS una'qj/Cie ;n D".e "'~ell 04" ~~. \oIl'I rf1.1yalOUt .aplion, \LM; (al". ....=~.. on ~ ~ ~ dayl/):er !he InI;1p Dale. ex lb)"" :eI.,.,..e..... gI Bank of An?eriea m&SA ....- n.. Ooly P- ...... ~ ... """""' AMuol_ "-<ao. ...... .dwidtc: by ztle. ruTI:ler"U daY" in Iheo-,....n:u'lded to !hi ne;q higtJt.s1 hlr.ctmf ~ of. ::wcenuoe JXlirt, "-?O?I_ . AnnuIJ...,,-~,.. rAPRja.19% (O.o1C68% lXl/'I......~6.g Colly P--" Aaool .,,_ ~ ... ..... '*ng Cyde -..,. "'" """"" - - ... - -.-. '" Pwchue ~ befow d app!ytc)'Ol,K~. -- The Mnu.I ~ ,.. b P'IItn..... . wtiabIt '.... 'd;I~ quaMfly. is 11-.. WaBs....Ht ~ ~ t1Ite rft)g:~i PfUI '-Sf J:H"O&,~" ~ &sol!<lon fIis ~ ,. CW':'1nl Anp.. Percefllage RaM:, ;5.i..l~ \o.04SS~ O;rtespct'.dng C'auy --I. ea.c. Acfy--..: The Annuat ...~C1. ,... 1(;1' ':'$1 acvanc., . 'va'iabII '.a..... ~~~..lhelr1dbco\;s 12.$19~.waV-DCQs,wllh · "**nt"n olnnU;d ~ R,tII.:::f 19.8'S. B:aed gn r.:a fcrmua.1Mc.r..ntAnn.... Plfl::ltala9l Rail! 15~.,...'" fO.O:5a8::I~ ""'-OoirPorio<:!e_, ,..,.,..., Pwft..m_"14l" , The ~ ~ p...... ;UCtl!::ed in IhiI Ml$orna: Oisc::Iosl.n....lfrnesara~.':QIhePll1fNtJl~~ ~~illr.:e::..jj,._."'....~~Ctr..... AnrN..1 ,~ Aat.-'5 20.;-.:~ (a.~ ~.g CaiyP"'---~ YOlUIPAYIolEIITS """""""'...,......000""'.........."""""" 'The ~ Pa;~.er.c Ow if <<;:.lII1O ...~ 01: fa) rw c....... __ ""-" 0... (2..0" 0/ '" _ -.... $IC '""'""-'"1........--_"'IbI...~_ · ""'..... JI%nc:o ~ $'C", '-$. _.... __ """- Do. Ii ..... ,.. Batarce. ycu.p..... au. oa.- wit bl20 """,....,,, -.g Dolo'''' PIicl"'_ -... by... """- c... Dooob ""' _ tA1g """'" ..e.-,.._ ......... Dolo. "'"...... ......_........ by Ilo_ Ibt 0... . ":;~ :;..'. -; ,. '".: 01ItQ CJWlGIS ......~ $2/ ~.... S29 "_"-.... ~ Slop "- ..., l'S Cooy ~ $J..._ Rutan:h~; S:s =<<hot: ~~.' '_It'~~ '~:,!--.:. . / . _.~..~-1-S~:~7j.;..Ji-~~i-' ~f.:i:r~r.Jl;"~~... :;-:7:;. , . 'f"'~; ~~ ..._.......... ..:: ,.::.;..~;:.... " .~. ." ./ , '., "',.. .~ ..'.~1.. : '. . .... .~:. ."'...~..~; ."\. ...... , 1 AM...... ~Sh.rI.. Fed.,.. ~ u:s 10 sh.att . ""1ft en.- cI ""'*'ca ..... CCtI'IQar1lq lnbm.alion abovl )'OU 0( -~'"-"''''''Y."............_ ,ok.w.......__~_."""""-"9~;, ---ro..o-w_1-._...........,__ . ..."'-Oo.aido..............~_....."a.;..d~' P.O. 801 a7~~. VA 232&1~702S b do ao. .-Jd.n::lude ------.-Ill.mloe<(.land --_. . POINT EARIotltls AND IIEW_ 1, YQ,l"IeCn.It.CUh~IQlI"tOlhelolJoo.mg ~d)'CUf~P\.r-c:haS4lS:..5O%otlbelhl:$.A,CO), .7!~ 01 .. M:IlI $Il,lO), 1" d the next S4.o:xl. a'1d' 2% d !hi - S3,000. . 2. V_ -oly ~ __ 6lf<ng Slalsmom ... show ~ c-. Flebae ~:s, ana ne-w Cash fltbate -.co. 1. YOlrCuft~"~wilbellirnlr.d=~"'5I$1S:000 d__~__Octooor"""o..... ..... --_Soo<ornoit~_. 4. Every~. Cash RebaIts eamtcf tor ... ptilYQn )'tar (~ .. !1~~ biIIng cydec) wII 1M ~. ~ 10IItIG ,... ..,., . CaSh Reb.c. 01 S2.01 (J' :IDW;'" .)I AlIK' . c:h.ec* fer'~ ~ cI ihetr ,~. ~~M\C=--&BmId.CashAttNu:ltcl ~OO Cll' leu w.- ~ . =-10 "*' aceOtlnl. ~ YCM,lj'C.ut:~"'l)e.l'crlelttdif . Youa-....., ~oI)'OUl"~A;reement(t'.g... ~ dOncclT'Jaoll""/OIIt'~ Paym.tw[A,eby lhtPt)'lMt1l: Duo Occ~.. . YCU~RtWwd.Acl;c:vJtil: doS6d' by ~or by . ""- e:. w. hi&w t'-.lt;r.IlC IUII*'d OI'~ It'is ~ III Mrf .Iitnt..w. Uo "'"'.. dgtd.1o edd. ......... or rT'OdIfr ht Can FktC-.~ anQ!11I.......i....~ 7, c:.sn__onco_bf_..."",.......... . -............. ..-. . a. YQu"'be~-;: .....Ji:It~~OJ5Weta.:1i:abmy "'~Cll)_Casb_ . . .. CosIt_-"''''''"'-i-_. lQ.Casb___......_Icr_'" -- bf-_llOOo)o.....-. >nd)W""'"".. ""rigNlOllo__""_,",_d _01_..... . , I 1 I ...:. .:, -'.- . . ""., .\~ ::..-.'-'...;:~.' ,'J.:-~' '....::'; ":'. ',' ,..:):"""".;. ,,.r-'. uniFund Unifund CCR Partners BILL OF SALE Unifund CCR Partners, for value received and in accordance with the terms of the Accounts Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth Financial Systems, Inc. ("Purchaser"), dated as of June 18, 2003 (the "Agreement"), does hereby sell, assign and transfer to Purchaser all of its good and marketable title, free and clean of all liens, claims and encumbrances in and to the Accounts listed in the Account Schedule attached as Appendix A to the Agreement, without recourse and without representation or warranty of collectibility, or ot rwise, except to the extent stated in the Agreement. i2JrB Executed on UNIFUND CCR PARTNERS By Credit Card Receivables Fund, Inc. Its General Partner By (l;E.../- David R: enberg r President For Unifund Use ONLY Chent # prD 11 crD # If f3 " AFFIDAVIT OF INDEBTEDNESS State of Ohio) County of Hamilton) ss. Jessica Bergholz being sworn, deposes and says that she is Media Supervisor of Unifund CCR Partners herein called assignee, which is doing business at 10625 Techwoods Circle, Cincinnati, Ohio 45242 and that she is authorized to make the statements and representations herein. The defendant is not in any branch of the armed services. There is due and payable from ROBERTA TOTH, Account Number 5442626000972288, the amount of $6507.30 in principal balance plus interest at the contract rate. By the terms of the agreement between the defendant and the original creditor, interest is accruing at the contract rate. This account was originated with Bank Of America. Unifund CCR Partners purchased this account from Bank Of America. Said ~ccount has been assigned, transferred and set over unto, COMMONWEALTH FINANCIAL SYSTEMS with full power and authority to do and perform all acts necessary for the collection, settlement, adj ustment, compromise or satisfaction of said claim. DATED this 08 October 2003. ~ UNIFUN~PARTNERS By: Jessica Bergholz Media Supervisor Title 10625 Techwoods Circle Cincinnati. OH 45242 Address Subscribed and sworn to before me this Ji day ofOctober,2003 Year l 'YOJ) Notary Public ~~~ 'O:"~'~! ":~.,r U:~~JI".. ~:-., ':.......,,;.."".~O( '.... Clientl~ll '-\\ : / >~A:'(-:;, .>..-,.,' (' . ~ c',' ...'. . --- '.;;~ \ ~ ~ \ My commission expires II C;(rV1 ."., .' EN\'l\Fc','" J ~\. \ aod\....:J "_. n ...'~':..;;.j...; 'h''i C;:k"." \~ '.i,'.il . J'J\"'J '" '.j ',' ;.. '.'J;.';'. . \' .' .' " v<:..s ;. ./ '. Cardmember Agreement This A{reement and the a.rd arrIer :are your Cardmember Agreement The ard carrier conWns imporant ilccount Information, indudinl the annual perctnage rue and the amount of any membership feL Please read and keep the ant anie, and chis Agreement for your l"tcords. This A,-eement is bindlnr on you unless you an. eel your ilcCOUnt within 30 days mer receiving the ard and you have not used or authorized use of your account. To simplify the re.. of this Agreement for you, the following de"nidons wnl apply. The words you. your. and youl1 mean the person(s) responsible for this Agrwnent, to whom we direct che billing swement The word cord mew one or more cards which we hive issued with your account number. The words we. w, and our mGn Universal Bank. NA. a Odbll1k aflilim II1d a member of the Odgroup family of companies. The words authori:r.ed user mean any penon to whom you give permis. sian to use your ilccount. The words convenience ched:J and balance rtansfer cheda mnn'on~4r more checla tholt we may provide to access your account The words desirnate<! !elephone number mun the telephone number to which your Dial-I sertice is billed. which mayor mty noc be your home teJephone number. The words CGB'tnf uansaaions mun the ailing card ails you make with your ard II1d Am services you requemd to have billed In deaa on your billing tatemene Calling ""'sactlons also indude Am WorldNet Services which you nqumed be combine billed on your billina: mtement rm.er than charged IS a purchase on your account. The words Am services include. but are not limited to. the (allowing: Am Residential Long Dlsl2l1ce. Am Local. II1d Am Wireless Services. Using Your Account ond Your Credit Uno: The ard must be signed to be used. Your Inidal credit line appun on the ard ar. rier conaininl the ard. A portiono( your credit bne. ailed the ash advance Umlt, is M/1ob1e for ash adv1ncu. At OUI' d'.credon end at",., dme. we '""I clw1ce your cred~ line or ash advance limit. . W. will notify you J we do, either by nr.aJ1 or throuch a blillng satemenc sent elther before or after the chll1&< akes effect. You may request I change to your credit: line or ash advance Dmtt by contaedng Customer Service by telephone or: mall . You an use your account and your card (or personiil. &mily or household purposes only. The full amount of your credlt ,I,lne Is available to buy or lease lOads or ser- vices whern'er the ant is honored and to make caJJinl tr2nS:Ictions. Your aSh advance IIm~ Is available for ash through any bll1k or aucommd teller machine thac accepts the card or by using convenience chidci The total amoUnt charted on your "coune including.purchue~ balll1te u.nsfers. ash advantes. RIW1Ce charges. f.... or other charge~ plus your ailing cnnsaalon~ must mys remain below 1llUr credo It JIne. However, if that to~ amount exceeds your ~ nne you mUSt stili pay us. If this Is a join, accoun~ uch of you, together and individually. h responsible for all amountS owed, even if the lCtOunt Is used by only one o( you. You will continue to be Habit for the endre balance of your account, even If your co~appncant Is ordered by I COUrt to pay us. If I COUrt orders your ce>app6ant to pay ~ or t portion of your account balance. you wiD remain litble to us if your co.applicant fails to pay u ordered by the court. and your account SUM W(II continue to be reported to che credit bureau under your name. '): . . , .." ,",- , . '. ,. " " .' " . ~ ,. . ~. . ", {' _...~-._.-,......_.-....,--__-L._......_ . . . .' . "', . '. . I ',," '...~'~";.:--_~~--;-:-.-:--.......,~~.:~ . ,. '. . " . " ., ".: ...-;----;, :.":_,"h",,, .. .. .... .., '..... '_'_.__'h _._., .........._.._. _"_...._ '_'_ "";;""''''j''''-='''"'C'''''''-'''''"'~'"'''T;'?'7:''';"''",,"~::".:,..:::"7::":;;::<';'~C'""~C!i;;'~~:;~;::;';;':;;:=:;'~;~~7.;;;';~~:;;":~~:::::~::::"".,;,:;~,:;,;~;.;....:::~;,;,,,;;,,..: ... '. Annual Percentage Rate for Purchases: Your annual pertenage rate for purchases and che correspondinc dillly periodic rate appear on <he wd carrier. A dally periodic me I. <he appllable annual perCtlltlle rate divided by 365. Whether or not the annual percenagt rue for purchases is based on the U.s. Prime Rate plw; I. martin is Indlated on the card arner. Please see the section .ntided l'Variable Annual PerctntJ&e Rates for Purchases and Cash Advances" for deails relating to how !his rite may change. Annual Percentage Rate for Cash Advances: Your ANNUAL PERCENTAGE RATE for ash advances is 19."", which corresponds to I daJ1y periodic me of O.05<48%. The daily periodic rite Is the ash advance annual perc.n~~-..ce divided by 365. Pie".... the .ectlon mdded Variable Annual Percen~e Raw ror Purch".. and Cash Advanc.. for deal;' r~ac. Ing to how this ..to .,., change W you defaulc under any c.rdmember Agr.emen~ Variable Annual Percentoge Rates far Purchases and Cash Advances: If the annual poreenage ..to for purchas.. is based on the U.s. Prime Race plus a mlrJin. we will calculm the ..ce by adding the marzin thac appears on the ani carrier to the U.s. Prime Race published In The Wall StreefJouma/ on <helut business day of each month. If more than one U.s. Prime Ra.. is pubUshed, we may choose the highest "'... If The WoII SlI<<! Journal c..... publlalion or to publish the U.s. Prime Rate, we msy use "'" U.s. Prime Rate published In any oth..- newspaper o( genenl drculation, or we may substitute a sfmnar refennce ra~ at our sol. dlscn- don. Each time the annual percencage "'.. chang.., we wt1l apply It to any existing balances. .ubject to ..;y promotional .... ,hat may app~. In addition. the annual pe_age rate (or purchases and ash advanc.. msy VIrf I( . you defaul, under any Cardmember Ag......enc because you fall to maIce a psym<nt to w or any other creditor when due. you exceed your credit line, Or' you make il p&yment to .us that Is not honored by your bank. In such cirtumstantts, we nQy incr.... "'" ANNUAL PERCENTAGE RATE (Induding any promotional....) on all balances to I hl&her rue 0( up to n.99%. Facton considered in determining this higher' rate may include the length of dme the account has been open, the txis. cenc.. .eriousn.... and timing o( Cardmember Agreement delaul", and other India- tlons of account uuge and perfolTnanct. Your account may again become eliciblt for' a lower annual pe~entap net on new purchases, new ash advances, or both after you h,ave met the temu of all urdmember Agreemena for sIx months.. Your itXUt. Ing balances will remain .ubject to the higher ..ce until they are paid In run. . Any Incruse or decrease In I nriable annual pereentage rtte t2kes efftct on the first day of the b1lflng period directly following the month in which we calculate the rac.. The annual perc",. rlU in eHeec and any subnquenc changes to it wm appear on the billinr tatement. hi Increase In the YViabte annual percenQre l"Ite mew you will pap higher ~nvw:e _ ~ and perllaps.. higher minimum paY'!'en~ Promotional Rate Offers: ,-. At our discretion, We ma.y offer you a promotional annual percentage n.te for all or I part of the purchase and/or ash advance balances. The period of time ror which the promotional l"1te applies may be limited. Any promotional /'1.te. the corresponding periodic flteS, and the period of time during which it Is In etrea willappur on the ard carrier. We may also offer you a promotional annual percel)uge rate to 3 ......... . ......-, ........~,. ..:".... ". 'Vc..s . ~ . , .' ! -, . ". , ~. '. :. - ',', , ., ..... !' .- - , r;' . .. .' \ I. --' ~~;;,;;.;~;;,-=:~~.:~:,:'~-=;~=..:.;~.~;i.~;;;~;-;;;~;~~~;;:~~;~~~~~~~~1i~~~;~#:~~~f~~~i~~j~~~~~~~::#~7~.:~;~~J:;.~::~~~;.Tf~:~~~~~:_l;..;:.~~!:~t;: . . -\) c..S; .. , ". ;"::.:~..-: '~:;. ... ;.~ ',..' ,'. . encounge specific tI'1nsactions, such as tnnsferrinl baJanct5 from ..ceouna you have with other ueditors. Any promotional I'1.te offer wm be subjea co the rems of the olfer and this Agreement. ._ Transaction Fee for Balance Transfers: For each babnce you tr1nsfer from any creditor by means other than t convtnience chede. w, Idd an IddltiOl1li FINANCE CHARGE of 3.0% 0/ the ,",oun< 0/ the balance tI"1nsfer, but not less than $10 or more than $29. ThIs fee will be added to the purchase balance. The balance tnnsfer fee may ause the annual percen. nte on the blllin, satement on whJch the balance tntIsfer first appears to exceed the nominal annUlI percenage rate. Finance Charges: Finance charges wDI bqin ~ attN! from the' date of the a-ans:acdon for purchases and continue to lCC"Ut unCi payment In (un Is credited to your acc:ount, However, W.you poid the loa! New SollllCe r~ted on the I", hilhnl Sl2W11ent by the p2}'I11ent due date on that. SCltement. you will have until the payment due date on )'OUr cur. rent SQt!ment to pay your total New Bafance to avoid imposition of finance charzes on purthases. For ash advanw and balance tnnsfen. finance ~s will begin to accrue (rom the date of the transaction and continue to accrue untll payment In full is credited to )'Our account. No finance c:harte is Imposed on aBinc transactions in rile bUlinc period In which they I" pOsted to your lCCOUIlt, Alrt a111"1 tnnnaIon that is not ptld by the payment due date on the monthly satement In which k is billed is Idded to your dtIly bWlce for purd1lSes on the Rm day 0/ the next billing period and finance charges will be~n to teeNe on that day. We will a1culate finance charges lS follows: We Rill" I pordon of the fil\ll1ce charge on your accOUnt by mufdplying rile d1IIy boJance for purtlw.. (whlth Indudes boIlllC.. you tnnsfer from any credi. tor by means other than I tonvenlll1(e chttk) and the dtlly bolance for ash tdvances by the 'Ppllcable d1lly periodic me and ad.IOg together any such finance charzes for purchases and separately adding together :any such finance . charges for ash tdYll1ces ror each day In the bllll"l period. .. For rmance cherI' a1culation.pu~s... ill. hil6ng period begins on the day after the dosing date 0/ the previo", blnlnl period and includes the dosing date of the CUrrent billlnl period. :The number 0/ days In the bllllnl period may very. To a1culate the dtIly balances.. we alee the beglnnl"l boIance for purd1lSes (which Indudes any unpaid a111"1 _ons from prior bllll"l periods) and rile beginnlnl boIance for ash advtnc.. each day. tdd any new uwatifons (not Inciudlnl new a1linc transactions). f.... any finance cherge on the prtyJous diY'S bllanc.. subtract any plyments or cred'... and make other ~dlllStll1ents. Unl... we elect. to use a later date, we add a new purchase to the purchase balance as of the da.te of the purchase and a new ash acMncl! co the ash advance balance on the date of the advance. A credit balance is treated as a balance of zero. The btlanc.. lUbJICt to finance chill" for purchlSes and for cash tdvances on the billing SUtement lI'I each the avtr;p 0/ the rispective dtIly bolances during . the bllling period. W you multiply these. fi&ures by rile number 0/ days In the billing period and by the 'Ppllcable dtlly periodic rates. the rlS1Jlts will b. the finance charges assmed. except ror minor Y1riatlcms awed by rounding. /., '.... ;; .' , 4 : ~~':....r":..~'-~'~'~'~~:~'''';'''':~~~~:~-e::~T.'/' ~;.:.~..~.~~.:'"'..? ":,~"",-"",\",,,;,,.~~.~.~;,~, '. .~. . . .1' .. .' '.'. ~c~~~~~:~-~~;i;~;~'~::_;';.;;~,;:.,;~:~'~~ :~.:,~-~-':~~~':~.~;~~;;:~.:~~";~;~~?~~~i~:~~i;~i~~~~~i~~~;;;;::_~~.~~~~;;;;.:;~~i~:i;~;;~~';,~',;:;;;~:'~~~,:;;;~~;,~, .". '. ...... ,- ~.._ .: ".:-:- . ;1.. " " ..".. .'-,: ~'. '! If the balance for purchases or for ash advances is subject to more than one I'1te (for enmple. beause of purchases or ash advances made during a promo- tionall'1te offer), we will separately calculate each balance sublett to each differ.. ent finance chargt and the resultins: finance charge in the nme manner IS described above. Cash Advances and Transaction Fee: You have obtained a ash advance If you obtain funds from an automated teller machil. (A TM); throuBh a conv.ni..ce ch.cIc. through home bankln~ or through I financial institution; make a wire trtnsfer. acquire a money order. tnvt:ler's check. lottery ticket, betting oraslno chip, or similar Item: or engage in another similar tnnllction. For mh cash ldvanc.. wt add .. addidon~ FINANCE CHARGE or 3.0% 01 the advance. but not I"s th.. $10. This f.. will b. add.d to the ash advance balance. (The ap\bunt of the ash acMnce may include a surcharge that the A TN owner Imposes.) 'The ash advance C"'MlSIC'don fee may OUst the annual per~ cenuge 1"1U: on the biDing sawnent on which tht cash advance first ~pun to exceed the nominal annual ptrtenar;e rate. Minimum Finance Charge: If r&nance charges based en periodic rates are beinC added to your account, but the toal of such fln..ce chlll" for purchases and ash ldvances b less than $.50, wt us... I minimum FINANCE CHARGE. hued on periodic l'ltl!s, of $.50. W. add the uncunt to the purclwe balance. unless the financ. thll1' applltabl. to the pur. chase balance Is zero, in which case we add the amount'to me ash advance balance. Credit Balance: You may not maintain I uedlt balance on your accQunt in excess of JOur assigned cr.dit 6n.. W. wIU relllm to you 111)' credit l/IIount I1tOI' $1.00 If the smcunt has been on your account k)nger than three months. Yau may request a refund of a credit balance It any time. We may redute the amount of any credit balance by me amount of new ct:wla bmed to your lCcounr. 'Transactions Made in Foreign Currencies: If a cnnnctlon is made in 1 foreign currenCYI we and V1salntenwJonal or Mast.r<:.rd In..madon~. d.p.nding on which ard Is used. will convert the transac- don into I Us. dollar smounL VIsa and MuwClrd wDllct In accordance with their openting rezuladoru or conversion procedures in effect at the dme the tI'111s. action Is processed. Currently: their r,&"ladons and procedures proorid. thlt the currency conv.,,1on "'to they us. b .Ither (I) I wholesal. market "'.. or (1) I goy' emment-mandtted nte In effea one day prior to the processini; date. Both Vtsa and MasterCard lncrtlSe this conversion me by one percent and keep this increase. W. inems. the co..."lon rat. provided to us by VIsa or Mast.rCard by two per- cent and keep this lnama. The cun-ency convenlon rate alculatecl in this manner that b in effect on the processing date: may differ from the nte In effect on the transaCtIon date or the posting date. MInimum Amount Due: Each month you must pty a minimum amount that Is the teal of three figures. The first is any previous amount that is pm du~ plus any amount in excess "of your ~lt line. The second is the sum of all ailing transactions paned to your account in the , \J t.s,: I' " , . ", -: ,. " . , , ' I i I " .' .....: -'~"~-:':";'""?~';:':~'~:":-C7'-" "':":7"",J ,,' . . "~~:~~~;~:,~~"~~~~~;;~:;;~~~::~-:'~3;~~~::"~~~:'"="~";;;;;;;;~~;;':::;;~~~~;~~~~~~~~:::!~~~;~~~~~~~~;~T~~~r~~;~~~.;;.~;;;~;;~~~~~~";~;;;;;..:.~";',:.;~;~~-" .... \j(.S ......" billing period. The third is the n:toter of the amOUnt or your biDed finance charges or one of the fonowing: The New Babnce on the bij6ng SQtemw if It is fess than $20. or $10. W the New Balance is It Ie", $20 and not yeater than $960, or If the New BaI.nce "'cew $960. Ilia of the New Balance (rounded down to the nearest doltar). You must pay at leut the minimum amount by the payment due d1.te. but you may pay more at any time without a penalty. We will allocate payments to amounts owed on your account at our discrelion. This Indudes. bUt is not nmited to. 'PPlylnr poymenu to p"'modon~ blllancu, sud! " b~ances you cnnsfer (rom credi. tors, before we apply ~.uch p"ayments to your purchase ~r ash advance balances. If you pay more than the mlnltnum, we will alloace the exces.s amount to the purchase or ash adYance balance at our discretion. The sooner yau pay the New Balance. the less you will pay In finance charges. We may also allow you to sldp a payment. If we do. we will nodfy you. II you chOOJe to skip a P'l'ment wf1en offered, we will continue to iWes.s finance charges. Payment>: InstrUctions ror making paymentS 'are on your billing statement. Do not send ash paymllllS. We an accept IalI or partial payments, " well " poyments thlt rWIect 'paid In tuU" or other restrictive endonoments, wlthou, Ioslnr"'Y 01 0Ul' rights under this Au-lne. There m'l' b. . delay of up to five days In cndJlinr' poymenc if I' Is received" '" oddress other than the oddress provided on the bilr"'l statemenc or II che payment Is noc made In accordance with "'Y of OIlr other Inmlt. dons. You orree to pay lIS In U.s. doilm dl'1Wn on lunch on dtposl' In the UnIted States wing a payment checlc. shnilar Instrument, or tutomadc debit chit wiU be Process.d ",d hono",d by your b",k. W......,.,. the ri&fl' to '<<opt . paymentS made In rorelp1 currency. If we do, we wIfI select the curnncy convenion rue It our dlscretfon. '::'..; .,. Over-the-Credlt-Lln. Fee: W. wm .dd . $19 fee to the puro,,,. b~",c. for each blmnr period that the New Balance exceeds your m:dlt rille. . Lote F.e: We will.dd . $19 fee to the purdns. boI",ce for each bill1nr period you fail to make the minimum payment by Its due dac.e. Returned Payment Fee: W. will.dd . $19 fee to the puro,,,e b1Iance wf1.n . p.ymen, check or .Imll... Jnstl"Ument is not honored. when we must retum it because It annat be proceaed, or when an autOmiltfc debit Is retumed unpaid. At our opdon, we will wess th1s fet the first time your check or pI"ment Is not honored. even if It Is honored upon resubmission. Convenience Checks: Convenience checks may be used to purchase goods and servIces or to obtain cuk up tc:I the amQunt of your availtble ash advance IimJt unleu chit amount will awe the balance to exceed your credit line. We will tTnt convenience checks as a ash '. - ....... \. . . ". 6 ~.. . - . ,..... ". ':' '.. ,.. . . :..'\, " .. .~. .. ..;" ';-, -.:..,.... :..,~ ._~..........:, ~-"' '. ..' . ;:;;;~~:;;~~::::,~;.:::.;:~;.:;.:~~=;.,:.:,;~:"~:~::::;:;;;;~;;:;~~~;~;~fi~~:~:;;;,~~;;:~:::;~~~~:;;;;;;:~~".' ",;;:?,!,:'.~;;;,;;;;;;;,;;;;-,'O",",;,.,.",~."." advance and cha'lt them against your ash advance limit. Each convenience check must be in the form we have issued and must be used accordln& to any instrUc- tions we give you. Convenience checks may be used only by the penon whose name is printed on them. Corrteniencrcheclcs may not be used to pay any amount owed to w under this or any other Cardmember Agreement. We win not certify any convenience checks, nor wUl we reaJm paid convenience checks, Returned Convenlenee Cheek Fee: We will add ,$19 ree to the ash advance btbnce if we dedlne to honer, conve- nience check. We may decline to honor such chedcs If. for exampte. the unount of the check would aWle the balance to exceed your ash advance limit or credit line, ir you der.ui~ W you did not comply with our instrUctiON rop-ding the chKk, W your 'ctount h.. been dosed, or If the a.. h.. expired. Stop Poyment Fee: ':. We will,dd , $29 fee to tho ash adv>nce balance when payment of, conve- nience check is stopped at)'?Ur request. You may stOp payment on convenience chKIa which we imJe co you on or mer May ~, 2000, by notifying us In wridng" P,O, Box 6500, SlOW( FoII~ South Dafc... 57/17, or by ailing us " the coIophone number listed on the IN'DinC satemenc. You may not steip payment on a check which we issue to you prior to May 4, 2000 unlus you call us prior to May~, 2000. If you call, you must continn lI1e all In writing within I~ days. A written "'p payment o..er w11l remain In effe" ror six months unl... renewed In writing. Once a ch:uze Is made throuth dl. use of the ard or account number we annat "Stop payment" on lI1, chuze. If lI1ere b a dbpUle InvOlving a chargo on your "count, pI...o rerer to lI10 soaion ontitled "Whas To Do If There's An Em>r In Your BlIr, " . ,,'," ~. .. ," Lost or Stolen cci;"'~'. Aeeount N~;"be~, or Convenienee and Balanee Tronsfer Cheda:.. ." If any card. account 'nUmber or chtck is lost or stolen or if' you thlnle someont used or may use chem wkhout your permission, 'notffy w at once by a1IIna: the telophono number shOwn on lI1, bI1Ilng _on< or 1-800-42J..4H3. We may require you to provIdo cm3ln Inform.don II) writing to hoip us find out whit hap-.. penod, and to comply will1 such procedures .. we may require In connttdon will1 our.ln'ttsdpdon. Don't use the ard, account number. or any checks after we've been notified, oven W they are round or rttumtd. You may be lIablo for unwrh.,. mod uso of the mount, but not for n\t)ro tlw1 $SO. You won't bellablo for unauthorized purch..~ ash adv>nc.. or aIIl"I ar<I ails mado mer wo've been notlfi.d or tho loss or lI1e thtIl: however, you must Idenlify ror us lI10 ch"i" on . the billing SQternent that were not made by you. or someone authorized by you, and from which you rec~vod no benorlt. Default: .., ..... You der.uk undor this Agreement II you fail to pay lI10 minimum p'yment Ilsted dn each bllling mtement when due, fall to make a ptyment to any other creditor whon due, 11I0 fer bankruptCy, exceed your crOdlt'lIne, pay by {Chock or similoi- . Instrument that is not honored or that we must return because It cannot' be proc..sed, pay by automadc debit that Is retumed unpaid, or dol>uk on any other Cardmember Aveement. If you der:ault, we may dose your account and demand Immediate payment of the fuU balance. 7 CPO- n~o, . '--', ~_.._, ,;. ..:~'::~ -,~._...-.~~.~-.-:;:"... ',":"7'"'-~"'" "",!.'''''-r.-''~-=-:''.;~'':-r;.'''''':'''''''''''''''''''i~''.: . '. ,,', "', .' \J~s: ',' ,. ,'. ........ " ! .., - ~ ,',',' :. '. . , :, \" . ' ;:. ,,' . " , " " " '," " ::~~~~~~~;;::~':';;;~i~,~~~~'j~;~_::;.;'~;~~~~:',: :~~~~,_. .~:~~~~~.~~~~~;~~~~;_;~~~~!~~~!.~;~~~::~.~~~~~~~~;;;;;;~;;~~~~.~;-;~~~.~. ~.~~~,.~~;;~::~;;;;,:_;;;~~~: . , 0(,,~ Proauthorizod Charges: If you default, if me card is lost or stolen, or we change your account or aCCOunt oomber for any reason, we may suspend automatic charges on that account to third-party vendan for insul'1nce prem;ums or other lOads or services. If preauthcrized charges are suspended, you must conQCt the third-party vendor to reinsate them. You are ruponsible lor making direct ptyment for such charges until you reinSClte automadc charge.s. Collection Cosu: If We refer collection of your lCCOUnt to a lawyer who Is not our salaried employee, you wi" be Dable for any reuanabJe attomey's fees we incur, plus the COstS and expenJes of any le~ ~ to the extent pennftted .,by law. Curto mer Privacy: ,- We will safegull'd, according to mitt st2/1dards of SttUritr and confidentiality, any information you share with us. We will limit the collection and use of any such Informatioo to the minimum we require in order to deliver you superior service, wnich includes advising you about our products, services, and other opfJOrumides, and to administer our businen. Wo win penn. only authorized employees, who are Ullned In the proper handlin, of customer Informition. to haft access to your Information. Whenever we hire orner orpnlz:adons to provide support ser. vlcos, we will require lI1em to conform to our privacy st2/1<1ard. and to allow us to audit them for compliance. Wo wiR always maintain conO'eI over lI1e coniidont!olity of your Inform.tion: W. wil( however, r.cillEate relevant marketing and promotional oRors (rom roputab~ companies that meet your nHds. These companies are not permitted to reaJn any of your Information unl... you have speciiially expressod Interest in their products or tervices, If you do not want to receive these ?ff'ers, write or aJl US at the address or telephone number rlSted on the bIInn. satement. Be sure to indude your name, address. and account number. We Will remind you It least once oach rOar of your righc to be exdudod from thoso elf..... ' We may report yoUr performance under this Acreement to credJt reporting atendes, lndudin! your failure to make minimum payments on time. If you request additional cards on your 1CCOlRU: for others, you undl!rSQtld that we may repon aCCOUnt Informuion in your name as wen u In the ~as of those other people, Wo may also oblain follow-up credit reports on you (for """'PIe, when we review your "Count for a credic line iner....). If you wish to Icnow tho names of the .endes we have conacted, write us It the addresi listed on the billing SEatemen< Wo WIll Try to notify you by telophone or by m~l 0( any IegaJ process served on us In order to live you an opporwnity to objea to It, unless the ltw prohibits the notice. Except as see forth In lI1is Agreement and except for reports to credit reporting ;genelts, information we ue permiaed to share with our ~Ilates, and infonna_ don we share in connection with collection of your account, no one else wiD be given information about your aCCOunt withOUt your knoWledge. authoriDdon or proper legal .uthoritr. ' '. .... " ..... , , , " - ...., \':: .'.'. " . t.', l. 'i ',' " .r:.' . B . ~...,. _.U'~"'_","" ...._.... ,..... . """, ..........\....! " . .~'7...;.t".......,,7'l"':~. ., ~;;~~.;;~;.;;,;;;;;~~.::;~,;;;;:;:;;;;;:~,;;;;:~-;;;;:~::;~~~~~~~:::::~0~;~i~~;~:=I.:~:::~~~~i.~~,,~~";:;;~::::;;;~~';,;;;;;;:;~;;:;;",,,,,.~,",,,,,,c"''',.,,,,,,, ()~~ . " ..' '. "~"". Sharing Customer Information Among Our Affiliates: To ~ you to Jpecial offers and provide you wkh products and services that are tai. lored specifically to you. our Ufiilaw share information about you on a confidential basis. Our affiliates are permitted by law to share any Information about their tr'VIsaa:fons or experiences with you. Other information you provide to us Or that We obain from third parti.. (for exampl., cr.dit bureaus) will not be sIwod W you notify us that you do not want such information shared among our zfflliltls. You rmy notify us in writing of your Instruction at any time. Please send your name and address (as it appean on )'Our account statement). ;Jonf with your aCCount type, aCCount number and Social SeCUrity number to Citlbank Procwing Center at CN J 178. Mail Stop UC:S, SouIllH.clcW>Ck, NJ 07606. '{yo uk thot you mail your instruction In a stamped 'r*elope that does not include any other correspondence. If you have already raid us that you do not want such other infonnarion shared. your InstnJction remains in effect. You do not need to notif{ us apin, , W you .... "0 a cuscomor of olI1.r Odgroup companies (such" CommOrcfal Credit. rrzvelon Prop",,>, Casualty, rrzvoJen Ufo... AnnUity, Salomon Smith Somey and Primeria Financial Services) and you reaive a nodce of their Intent to share Ctrain Infonnation about you with their aIllli"os, you will need to separately notify lI10m W you do nOt want such information shared. Telephone Monitoring and Reeordlng: From timo to timo we may monitor and record your telophon. ails regarding your acCOUllt with us to assUre the quality of our service. CorreetJng Your Credit Report: ' Ir you lI1ink w, reported 0tT0n00us Infonnadon to a credit reportinc "lOney, \Vrite us " lI1. add,.... listed on 11I0 billing Statem~ w. w11I promptly Invostigu. lI10 mat. ter and Wour Invosdgadon shows you .... right, we will conQcc 0>Ch credit r.portlng agency to whom we reported and will roquost lI10r corr,,, tho repo~ W we dls. agree with you mer our Invosdgation, wo will coil you In wridng or by tel.phono and lnstrua you how to submit a natl!!menr of you~ POSition to those agendes. Your Statement will become: a part of your credit record With them. Closing Your Aecount: . You may close your acCOUnt" any timo by ,nodlylng us In writing. Howevor, you remain responslbl. to p'y lI10 balanco according to tho tonns of III~ Agreomen~ Wo may close your account or SUSpend your account privileges. at any dme (or any reason without prior notice. We R11y also reissue I. different ard, account number, or dif- ferent checks It any time. You'must return me card or the checks to us upon ~quest. If this is a joint account, either of )'ou may requen that the aCCOlInt be clos.d and \v, will honor III" roqUost wichout us havlnc any lIabmty to eith.r or you. Refusal of the Card: W, .... not responsibl. W. transaction on your aCCOunt ~ not approved, oIther by "' or by a. third Party, even K you have suffident credit available. We. may limit the num- b.r of uanuctions which m.y be approv.d In on. day. If wo det.ct unusual er suspi- cious 'ttlvity on your 'ccoun~ w. may tomporzrily Suspend you; credIt Privll.gos , " .... i " , , ." '. ,....-':...,...."'~~~"'~!''=1~~~~~<F..li<>\'D!;~,!;'<>,....'l,..''*''""''.~,.;" ,"', ',,. ",>~:.;>'I::). <, ':'.';:"A":\::'/:~:':;;,:,:;,,?,'<' '.'\._;-:~: .'i .' ....1. 'I'" 9 , . '''-:': ~.. "'-:~-:-,..,_.,.. " .,.;,;;,,,~;,,;~;~;~;:._:.,:.~.;~:,,..',""':::::::;'.;';;;;;;~,;~:;::::;'~;;;"~~:;~;~:'~::;~;;;;~:~?~;;'~;;'::;;~;~2;'~~~~~;;'R";:;,;;~,;~;';';;~,~"",,,,~,";;","~.~. ",',". ' ".',' . " . until we an verify the activity. We may approve transactions which ause the biI. ante to exceed your credit line without waiving my of our rights under this Aveemen~ Chonglng thi. Agreement: We an chanle this Atrtement. including all fees and the annual percenage rue. It any time. However. if the chanre will aust a fee, l'1te or minimum payment to Increase. we will mail you written notice at lelSt I S days before the bezlnninc of the billing period In which tho chlllgo bttom.. effttdv.. If you do not agree to lI10 chlll&" you must notify us In writln& within :IS dzys mer lI10 offttdvo date of lI10 chance and pay us the balance, either at ORCt or under the tenns of the unchanged Agreement. Otherwise, the change in the notice is bindin& on you. Unless we nod. fy you otherwise, use of the card alter the effective dati of the changt shall be deemed IccepQtlce of the new terms, even If the 2S days nzve not expired. Enforcing this Agreement: We can dela.y.~...en(ordng or bil co enforce.;ny of our ritha under this Agreement without losing them, Assignment: We mente the light to assign any or all of our rights and obnpdons under this Agreement to a. third party. AT&T Col/lng Tran.aetlon. Term. and Conditions: In lI1oso ATll<T Calling Card Terms Illd Conditions, lI10 tenn ATll<T Calling Card refo" to mo Calling Card function of your card. Tho words 'you,' 'your" Illd . "yours" mun each Individual who applies for the an:l account. You agree co pay for ,)1 charges InculTOd with lI1e A Tll<T Calling Card and to comply with tho olI1or torms Sot fortll horeln. . Tho ATll<T Callin& Card b not uanslorahl.. You may lUthori%e olI1on co us, tho A Tll<T CaI1In& Card. but lI10 relpONib11lty of payment for lI1e chaCps incurred wUl remain yours. Chart.. for ATll<T telocommunladons soMe" wili be rated Illd chargod In Un~od Slat.. doli"., In accordanco with ATB<rs .ffttdv. ouiffs. AT&T' wiff "'"' for ATll<T Callin( Card calb ml)' indude a semce chute. which will vary depending upon where and how you all., Tho semco chup as of Oetober 1999 for a state-to.,l2SO ATll<T Calling Card using I BOO CAll ATT b 99 cents for . non-opornor-assisted all and $195 for III operatOr....lsted all Tho sor- mo chup as of OctOber 1999 for III In.state Am Call1n& Card using 1 BOO CAU. A TT ranges from 3S CentS to 99 cents for a non-opol'atOr ...lmd call1lld from SO cents to $MS for III oporator-wiSled ail Th..e semee charges /My vary W you havo III A Tll<T option,) ailing plan or use other dialing methods. for exampl.. 0 or 10010.ATT,to place III ATll<T Calling Card call All rat.. are sub. lett to chlllgo, Efloctivo March 1999, ATll<TwlIl add , 30 cents per all surchup to calling card calls origlnatod from pay phon... Thll surchup rocovon a pi)' phone ""10 foe Imposod upOn ATll<T to compen.... PI)' phono ownors (or usl"l lI101r equipment. Thls fee Is subject to chanp. " " , ..' ," " " l. '. 10 , ': ~,~..,., ,':'~ ')~:'T:~;~.:':t'~~:T~'!:~:~'7?r;:~7~\'':::\":,;~-:-~ '. I. 0<:'-:' " '- ".) ::6?:;,:;';;i;;"-~:;'"",,::;:.:';-',,~,~;;~::::;:::::~;;;;z;:;;;:';;~;~';;~~~~";~~~;,e:;;;;;~~i~:~~#;~~;~~;;:;m;a;;;';;";~;;;~~~.;;';,;;;'';':,,;;;,;...:;:.,.,:.:,' . _. .'.~. . - . '- '. .... - ~ In the event the Am CaJling Card may be used for A TarT' Services not cov.. ered by Qriff. AT&T wUl attempt to provide suth non-wlft'ed S'tNices u described in ia marketing macerials, but AT&T does nOt warrant such services to be error.free or. fit for any particular purposE. - Yau may not use the non.car. iffed portion of the services for any unlawfuJ purpose and you are responsible lor and win hold AT&T hannlus .pin.. the consequences of any such unl.wful use of any slander, libel or other actionable content In any mlWi(e. The liability of A Ta<!", or any of its employees, agents or cooperating ,o..,ico provider{s) . arising fram any misdelivery, non..<felivel')' or any other errors or omissions in the provision of. the non-tariffed portion of the services Is limited to an amount equal to the charze for any such service(s). Your account may be subject to a maximum monthly unge limit Ir ATa<!" SUSPOCts fraudulent..o of your AT&T C~ling c.rd, ATa<!" may, among other thinCS. suspend or terminate your AT&T Callinr Card without further notice. Applicable Law: The tonns and enfor<ement of lI1~ Agreemont ,h~1 be governed by fodora! law and the law of Georgia. where we are loated. Far Furth~/nformation: Yau an call us at the telephone number shown on the bil6nr statement, or It 1-800-423-4343. 7~<~ a-#~ MOridill1)..,.en President and COO Univoml Bank, NA , , C2000 Univena! Bank, NA , ." WHAT TO DO IF THERE'S AN ERROR IN YOUR BILL Your Bill/ng RIghts. Keep This Notlee For Future Us.. ThIs nodce corn>lns important infonnatlon abOut your rights and our reJponslblt~ des under lI10 Fair Crodk Billing Aa. Notify Us In Case of Errors or Q'uest/ons About Your 1311/. If you think your billing statement b wrong. or W you need more inlonnadon about a transaction on your bllhnc sQtetnenr. write to us; {on a sepame sheet} It the ,.ddrus provided In the Bilflng RIghts Summary perdon on the b.ck of your billing statement. Write to qs as soon IS poulbJe. We must hear from you no law than 60 cb.ys ther we sent you the fim burin, twement on which the error or prosrein appoarod. You can telephono us, but doing 10 win not preserve your rights, In your Ietttr, give us the following lnfonnltion: Your name and account number. The dollar amount of the suspected error, II " , . t:.:~;. :-..,;....'..,...,.: ,.:., .,' ,.. . "." ~ , , -.--. ., -,;i' ,..-=:o:~.....--:-=: "~";;':;'~:~f';"';;;;;-';';;;:;:";;:-'.~:::.-;;;:-~;,;~~~~-::;;=:;;;.:::::::;::~~;;:;;;;;;;;';;i;~:;;;;;~~;~~~;;~;~;~~;;;;~~;~,;~,;~,~;~;;";;~:::~.;~;;"i';~;;;,-:;:; ", " ".. '..- "'. Describe the error and explain. if you an, why you believe there is an erTor, If you need mort infonnation, describe the item you are l'!,Ot sure aboue. Pleue sign your letter, If you have authorized us to pay your cred"rt ard biD autom:adally from your savings or d\eclang account. you can step the payment on any amount you think is wren&- To stOp the payment you must tell us at lust three bUsinw days before the automatic payment Is scheduled to occur. Your Right! and Our -Responsibilities After We Reee/ve Your Written Notk;e. .~. We must tcknowledge your lettlr within 30 days, unless we have COrrected the error by then. Within 90 days, we must either COrnet the error or explain why we believe your billing satement was correct. Alter we nceive your letter, we cannot r:zy to collect any unount you question, or report your account as delinquent. We an continue to 1>111 you for the amount you question, including finance charges. and we an apply :any unpaid amount against your credit line. You do not have to p:ay any questioned amount while we are Investigating. but you an uBI oblipted to ply the p:ans of your balance that are not 10 question. If we find that wo mOd. . mlscalce on your billlnC' SQtem~ you will not have to pay any finance charges rel"ed to any qu..,;oned amoun~ W we dldn't make . ml1talce. you my ha..., to pay finance c:harzes. and you Wl1l have to make up any missed pay. menu on the questioned amount. In either we, we wiD send you l mtement of the iIIT10unt you owe :and the date It is due. I! you fail to pay the amount that we think you owe, we may report you as derUl- queM. However, If our explanation does not stasft you and you write to us within 10 days teJnng us that you ItIll refuse to pay, we mUSt tell anyone we report you to '"" you have . question abOUt your bin. And, wo must coil you lI10 namo and address of anyone to whom we reported your account information, We must tell anyone we report you to th:at the matter' has been seeded between us when it is lInaJly soeded. W we don't follow thoso ",I... we an't collott lI10 fim $50 of lI10 questioned amoun~ oven W your bl111ng statement was ccrre~ Spedal Rule for Credit Card Purehases. If you have a problom wjth lhe quality of property or ler'licos that you purchased with a credit card. and you havo o1ed In f'Od faith to Corntt lI10 problom with tho merchant, you may have the right not to pay the remalninc unount due on the prop- erty or sanoices. There an: two amacoN: on this righc You must have made the purchase In your home sa.te or. if' not within your home sate, within 100 miles of your current address: and The purcha.se price mUstiuve been more than $50. These l1mIadonS do not 'apply If we own or operue the merchant. or If we mailed you the advertisement for the property or services. I, ub . '): " , , , ,,' - '. " , .:','., .,; - ". '. ..-.,..".""~,,, -.~,....,: ,..-..' - ~ .-- ."'.,---'.-.' ~-. m., ..,,,... .,.:,..... "";'.".." ,....-.'''.:.,--: :..~..: ~"..,.:~;:. :""".:f:':::-,..:::..,..,:""~"""::-::,,,,:,,~~.,,,,,,,: ,. ..__._...._.... .... _.". ~:"':~;:~~;;:~~~~~-:*,M~"l'.;i~:~:~::~~i:.~~~.~~~~~,~.:!,,~~:~::=~~~'~~~~~~;~~-r"7:~~~'::~:f:~~.t~~~~~.~~~r~;;:~:!~,~~.:::~;;P:?~~1F7::'!;:; ;, " ", '. , ':' , .. i,: ~ 10% POst Consumor Waste RICA-UCS 03/00 oPeneo, 12 - .....-. . - -":':' ~~ ,.....' '" ,.. '.. ...., '.., ','..: '.. .j .," " . ... , ~ . '. .... '. .,' .. ,', " ,: " (U\JPIMJ Unifimd CCR Partners BILL OF SALE Unifimd CCR Partners, for value received and in accordance with the terms of the Accounts Receivable Purchase Agreement by and among Unifimd CCR Partners and Commonwealth Financial Systems, Inc, ("Purchaser"), dated as of October 9, 2002 (the "Agreement"), does hereby sell, assign and transfer to Purchaser all of its good and marketable title, free and clean of all liens, claims and encumbrances in and to the Accounts listed in the Account Schedule attached as Appendix A to the Agreement, without recourse and without representation or warranty of colIectibility, or otherwise, except to the extent stated in the Agreement. Executed on /D Ie; It) J-~. .I I " UNlFUND CCR PARTNERS By Credit Card Receivables Fund, Inc. Its General Partner nf'. yj~ ~~vid R~senberg President For Unifund Use ONLY 12 Client # PID crD 11 /( r{) '" AFFIDAVIT OF INDEBTEDNESS State of Ohio) County of Hamilton) ss. Jessica Bergholz being sworn, deposes and says that she is Media Supervisor ofUnifund CCR Partners herein called assignee, which is doing business at 10625 Techwoods Circle, Cincinnati, Ohio 45242 and that she is authorized to make the statements and representations herein. The debtor is not in any branch of the armed services, There is due and payable from ROBERTA J TOTH, Social Security Number 206-28-1845, Account Number 539840002550741p, the amount of$ 8,922.01 in principal balance plus interest at the contract rate, By the terms of the agreement between the defendant and the original creditor, interest is accruing at the contract rate. This account was originated with Citibank Universal Card Services. Unifund CCR Partners purchased this account from Citibank Universal Card Services. Said account has been assigned, transferred and set over unto COMMONWEALTH FINANCIAL SYSTEMS with full power and authority to do and perform all acts necessary for the collection, settlement, adjustment, compromise or satisfaction of said claim. . Dated this May 6, 2904, /' /' UNIFUN~PARTNERS By: Jessica Bergholz, Media Supervisor JENNifER A. DUNCAIIi Notary Public I nand fo r the State of OhiO My Comrn:coe,:", ,:, .oires .1"\,, 5 2007 chwoods Circle Cincinnati, OH 45242 Notary Public My commission expires r,r -. VERIFICATION I, Patricia Cobb. Esauire, of Commonwealth Financial Systems, Inc., Plaintiff herein, do hereby verify that I am the keeper of records of the Plaintiff in the foregoing civil action and that I am fully authorized to make this verification and that the facts set forth in the Complaint are true and correct to the best of my knowledge, information and belief. Verifier understand that false statements herein are made subject to the penalties of 18 Pa. C.S. ~4904, relating to unsworn falsification to authorities. ~/ ro/OO Date: . . t:'?ft PATRICIA COBB -::;-nff)3 CFSI File No. /60 Q3lS }:j G '<<l it- 1- ere f1 ---- "-> cs: (;) ~ ..{) ~ ~ n ~ 0 G p:! '...'1 -" ::.;3 r~ 1 ~ I - --t-- -,~ , ' .- ~.:J ..;::.:- .< COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA COMMONWEALTH FINANCIAL SYSTEMS, INC. Plaintiff : 05-4525 VS, CIVIL ACTION ROBERTA TOTH, Defendant PRAECIPE AND POWER OF ATTORNEY FOR SATISFACTION AND/OR TERMINATION TO THE PROTHONOTARY OF CUMBERLAND COUNTY: You are hereby authorized, empowered, and directed to enter the following on the records thereof against Defendant Roberta Toth: The within suit is Settled, Discontinued, Ended with costs paid. The within suit is Settled, Discontinued, Ended WITH Prejudice and costs paid. XXX The within suit is Settled, Discontinued, Ended WITHOUT Prejudice and costs paid. Satisfaction of the Award in the within suit is acknowledged, Satisfaction of Judgment, with interest and costs, in the within matter is acknowledged, Other: DATE: Seotember 14, 2005 WITNESS (if signer is other than a registered attorney): rizing Party Attorney or Notary Alan R. M oe, Eso Type or print name of above signer COST PAYMENT VERIFICATION I UNDERSTAND THAT THE ABOVE ACTION CANNOT BE FILED AND DOCKETED UNTIL ALL COSTS HAVE BEEN PAID INCLUDING SHERIFF'S COSTS: AND HEREBY VERIFY THAT ALL COSTS HAVE BEEN PAID. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA C.S. 904 RELATING TO UNS RN FALSIFICATION TO AUTHORITIES. " o S -oiJ fC'.\' -:;-::1"' ':';-1' ~ ~ (/) ,,,, -0 - (/)", ',' u:> r~;' i:".' ~~; F~ :;.:,." c~ >:i'" ":::i =< ~ %::Q -o~ -0 qt. ::-'r-t. c5;!J, ---:7'';:.A 'CY" ~, ~ -0 ::;!: r:-? .I=' cJ\ SHERIFF'S RETURN - REGULAR CASE NO: 2005-04525 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COMMONWEALTH FINANCIAL SYSTEMS VS TOTH ROBERTA KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon TOTH ROBERTA the DEFENDANT , at 1823:00 HOURS, on the 8th day of September, 2005 at 31 HOOVER ROAD CARLISLE, PA 17013 by handing to ROBERT TOTH, HUSBAND a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge So Answers: 18.00 4.00 .37 10.00 .00 32.37 Of ~~. ~ '- '-;'~''''-'''''''''-~'''c''' l' ~<. -. _on /J ,,:,...--~(::-:~ R. Thomas Kline 09/09/2005 ALAN MEGE Sworn and Subscribed to before By: I'i'~ff )~ day of me this " A.D. Pr otary