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Home My WebLink About05-5322 D BURTON NEIL & ASSOCIATES, P,C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North, Sioux Falls, SD Plaintiff v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA JAY V STONE 1526 Newville Road, Carlisle PA 17013 Defendant NO, oJ- 53 )-).. ~ : CIVIL ACTION - LAW COMPLAINT 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 (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim 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. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PAl 70 13 Telephone No, 717-249-3166 or 800-990-9108 C-7895 11111111111111111111I1111111111111111111 1111111I11111111111111111111111111111111111I1111111111111111111111111111111111I1111111I11111111 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A 701 East 60th Street North, Sioux Falls, SD Plaintiff IN THE COURT OF COMMON PLEAS v, CUMBERLAND COUNTY, PENNSYLVANIA NO. ()j-, :/32.2. &:d -r.e..- JAY V STONE 1526 Newville Road, Carlisle P A 17013 Defendant : CIVIL ACTION - LAW Complaint 1. The plaintiff is Citibank (South Dakota) N,A., with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. The defendant is Jay V Stone, who resides at 1526 Newville Road, Carlisle, Cumberland County, Pennsylvania. 3, Plaintiff, a national banking association, engages in various types of banking business including consumer lending through the issuance of credit cards, 4, Plaintiff furnished consumer credit to the defendant by means of a credit card with account number 5424180459327257 hereinafter referred to as the credit card account. 5, Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 6. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing period. 7, Defendant received the monthly statements from plaintifffor the credit card account including the statement attached hereto as Exhibit A statement without protest, dispute or objection. 8, Defendant in not protesting, disputing or objecting to the statements including the Exhibit A statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 9, The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit A statement, is $20,047.24, Wherefore, plaintiff demands judgment against defendant for the sum of $20,047.24, and the costs of this action, The law firm of Burton Neil & Associates, P,C. is a debt collector. By: 04/19/05 M~,t~~'jit:; $20047.24 $2513.89 SITE: KC-CL TM:CO-5000 08/31/05 ACID:KCB7150 21:00:18: ~~~~~~~~~_~~~~~ ;~:~ii:~:~~;~:~tii:~~: ..n............_.__.__. ..-...-.-.-.....................-...-.-...-.-.- JAY V STONE 1526 NEWVILLE RD CARLISLE 17013-9489000 CITI CARDS PO BOX 183067 COLUMBUS, OH 43218-3067 ,\~~G G PA Citi" Driver's Edge" Platinum Select Card-Charter Rbts Account NlJI'Rber 5424 1804 5932 7257 Customer Service: 1-800-866-9900 80X 6500 SIOUX FALLS, SO 57117 Saki Dale Post Date em" Total Credit Line $21200 St.-t.m.ntl Closlnq Oat. 03/25/2005 Reference Number Anl~lJle Credit Line Cash AdviHlce Limit $1152 $13700 Amount Over Cr.dlt Lln. Past Du. $0.00 + $1849.15 + Available Cash Limit $1152 purCh/Adv t.tlnlmum Due ~664.74 = New ealollnce $20047.24 MinImum Amount Du. $2513.89 Activit., Since last statement Amount 3/25 Standard Purch CREDIT PROTECTOR FEE - MONTHLY 74 0000 LATE FEE - FE8 PAYMENT PAST DUE 66 0000 PURCHASES'FINANCE CHARGE'PERIODIC RATE 84 0000 Standard Adv ADVANCES'FINANCE CHARGE'PERIODIC RATE 84 0000 137.38 0000000000 35.00 0000000000 321. 22 0000000000 3/25 3/25 3/2S 158.52 0000000000 ***Driver's Edge Charter Member Rebate Summary**. Previous Statement Rebates Total Base Rebates Earned Total Rebates Earned This Period Total Rebates Available 240.37 2,75 2,75 243,12 Bonus Rebates may take one to two billing cycles to appear on your statement. Please refer to the speCIfic terms and conditions pertaining to the promotion for further details. Your account is seriously past due and your credit privileges have been suspended. Please call the toll~free number shown above to learn about our special payment options. Call Monday ~ friday, 7 am ~ 9 pm, or Saturday, 8 am ~ 5 pm, Central TIme. Imfortant Information: Please see the enclosed No ice of Change in Rebate Terms and Conditions for changes to the Driver's Edge Charter Member Rebate Program. EXHIBIT A PrevIous ( +) Purchases (-) Payments (+) FINANCE (=) New Balance & Advances & Credits CHARGE Balance $12,986.31 $172.38 ;0.00 ;321. 22 $13,479.91 $6,408.81 $0.00 0.00 158.52 $6,567.33 $19,395.12 $172,38 0.00 479.74 $20,047.24 Accolrlt Summary PURCHASES ADVANCES TOTAL Rate Summary PURCHASES Standard Purch ADVANCES Standard Adv Balance Subject to Finance Charge PeriodiC Rate Days ThIs BIlling PerIod: 30 Nominal ANNUAL APR PERCENTAGE RATE $13,140,91 $6,485.11 0,08148%(0) 0.08148%(0) 29.740% 29.740% 29.740% 29.740% Verification I, Crystal Britt am an employee of Citicorp Credit Services, Inc., (USA) which is by contract the service provider for plaintiff Citibank (South Dakota) N.A. retained to perform services including but not primarily limited to collecting delinquent debt. I am authorized to make this verification as attorney-in-fact for plaintiff under powers of attorney from plaintiff to Citicorp Credit Services, Inc. (USA) and to me. The foregoing averments of fact in the within pleading are true and correct to the best of my knowledge, information and belief. I understand that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to t auth Signature: y~/ 11\1e ;SlZ-i,:J r-' =' <;;~':'l of' o (,") -, o -n :..-:1 f\'1...~~ , --r~, 'OJ. '-. '; '-~ ~ ~~~ J, "- ~ -s, . ~~~ ~ < C? - - ,n, . /'I(~! . \ ~ ."., (~c) ~.? t.J1 ~- ';.~_'l,:-'-i :~:: ~:l -..... \ CITIBANK (SOUTH DAKOTA) N.A., : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYL VANIA v. 2005-5322 CIVIL JAY V. STONE, Defendant CIVIL ACTION - LAW PRAECIPE FOR ENTRY OF APPEARANCE To the Prothonotary: Please enter my appearance on behalf of the defendant, JAY V. STONE, in the above captioned case. Respectfully submitted, By: Date: November I, 2005 '" CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. 2005-5322 CIVIL JAYV.STONE, Defendant CIVIL ACTION - LAW CERTIFICATE OF SERVICE I, Marcus A, McKnight, III, Esquire, hereby certifY that a copy of attached document was served upon the following by depositing a true and correct copy of the same in the United States mail, First Class, postage prepaid in Carlisle, Pennsylvania, on the date referenced below and addressed as follows: Burton Neil, Esq. BURTON NEIL & ASSOCIATES, P,C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 IRWIN & McKNIGHT By: Date: November 2, 2005 2 C) t: r-' c:;) c-~) <.J' :;>:: o ..:JC c. ?j} \ ('.:> S7. :Jl.:!l p1.r- .."IT' -t)Y '::)\C) ':;;:~fM :':;{ "r :9. -0 -,'," -.,.:. <.f: C' -l SHERIFF'S RETURN - REGULAR CASE NO: 2005-05322 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK SOUTH DAKOTA NA VS STONE JAY V WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon STONE JAY V the DEFENDANT at 1310:00 HOURS, on the 21st day of October ,2005 at 1526 NEWVILLE ROAD CARLISLE, PA 17013 by handing to JAY STONE 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 Affidavit Surcharge So Answers: 18,00 4,80 ,00 10,00 ,00 32.80 -' <~~ ?" ~~ . /~".~),'-;'_'t, r"':AP f R. Thomas Kline ~ me this ,?~ day of 10/24/2005 BURTON NEIL By: Uv;, D^ d ? Deputy Sheriff ~ Sworn and Subscribed to before ,~ dOV{ A.D, (!#~ (' Pr otar;9 CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. 2005-5322 CIVIL JAYV.STONE, Defendant CIVIL ACTION - LAW NOTICE TO PLEAD TO: CITIBANK (SOUTH DAKOTA) N.A., and their attorney, Burton Neil, Esq. YOU ARE HEREBY NOTIFIED that you must responsively plead to the within Answer with Counterclaim to Plaintiff's Complaint, pursuant to Pa. R,C,P. 2252(d) within twenty (20) days after service, or a default judgment may be entered against you, IRWIN & McKNIGHT cKnigh eet Carlisi sylvania 17013-3 (7 249-2353 preme Court !D, No, 25476 A for Defendant Jay . one By: Date: December I, 2005 CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. 2005-5322 CIVIL JAY V. STONE, Defendant CIVIL ACTION - LAW DEFENDANT'S ANSWER TO PLANTIFFS' COMPLAINT WITH COUNTERCLAIM AND NOW, this 1st day of December, 2005, comes the Defendant, JAY V. STONE, by his attorneys, Irwin & McKnight, and makes the following Answer to Plaintiffs' Complaint: 1. The avennents off act contained in paragraph one (1) of the Complaint are admitted, 2, The avennents off act contained in paragraph one (1) the Complaint are admitted. . 3. The avennents off act contained in paragraph three (3) of the Complaint are admitted. 4. The avennents of fact contained in paragraph four (4) of the Complaint are admitted. 5, The avennents of fact contained in paragraph five (5) of the Complaint are admitted. 2 6, The avennents of fact contained in paragraph six (6) of the Complaint are admitted. 7, The avennents of fact contained in paragraph seven (7) of the Complaint are specifically denied. On the contrary, the Defendant has objected to the interest being charged on the account balance, 8. The avennents offact contained in paragraph eight (8) of the Complaint are specifically denied. On the contrary, the Defendant has objections to the balance of the account based upon the excessive interest charged to his account. 9. The avennents of fact contained in paragraph nine (9) of the Complaint are specifically denied, On the contrary, the balance owed is considerably less than the amount claimed by the Plaintiff. Proof thereof is demanded, WHEREFORE, the Defendant, Jay V. Stone, respectfully requests this Honorable Court to enter a judgment in his favor and against Plaintiffs in this matter, together with reasonable costs and attorney fees, and such other and further relief as this Court deems just. COUNTERCLAIM AND NOW, this I st day of December 2005, comes the Defendant, Jay V. Stone, by his attorneys, Irwin and McKnight, and makes the following Counterclaim against the Plaintiff: 3 10. The averments of fact contained in paragraph one (1) through nine (9) of the Answer incorporated herein by reference and made a part ofthis Counterclaim, 11. The Defendant has been charged interest in excess of the amount permitted by the laws of the United States and the Commonwealth of Pennsylvania. WHEREFORE, the Defendant, Jay V, Stone, respectfully requests this Honorable Court to enter a judgment in his favor and against Plaintiff, Citibank (South Dakota) N .A. Respectfully submitted, By: Marcus A. McKnight, III, 60 WestPomfret Street Carlisle, Pennsylvania 17013 (717) 249-2353 Supr ourt J.D. No, 2547 Attorney or e endant JayV. Stone ) Date: December 1, 2005 4 VERIFICATION The foregoing document is based upon information which has been gathered by counsel and myself in the preparation of this action. I have read the statements made in this document and they are true and correct to the best of my knowledge, information and belief, I understand that false statements herein made are subject to the penalties of 18 Pa, C,S.A. Section 4904, relating to unsworn falsification to authorities. - ----- ~' . --:~ JAY"",-STONE _____ .',,:~ Date: December I, 2005 CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. 2005-5322 CIVIL JAYV.STONE, Defendant CIVIL ACTION - LAW CERTIFICATE OF SERVICE I, Marcus A. McKnight, III, Esquire, hereby certifY that a copy of attached document was served upon the following by depositing a true and correct copy of the same in the United States mail, First Class, postage prepaid in Carlisle, Pennsylvania, on the date referenced below and addressed as follows: Burton Neil, Esq. BURTON NEIL & ASSOCIATES, P,C, 1060 Andrew Drive, Suite 170 West Chester, PA 19380 By: squire 0.25476 Date: December 1,2005 5 -~ ~ (:"" r c , --~ 1"-' (:', t,.' BURTON NEIL & ASSOCIATES, P,C, By: Burton Neil, Esquire Identification No, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v, NO. 2005-5322 Civil JAYV, STONE Defendant: CIVIL ACTION - LAW Plaintiff's Reply to Counterclaim 10 (I), There are no facts alleged in this incorporated by reference paragraph, To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R,C,P,1029(d) no response is required, 10(2), There are no facts alleged in this incorporated by reference paragraph, To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R.C.P.1029(d) no response is required, 10 (3), There are no facts alleged in this incorporated by n:ference paragraph, To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R,C.P,1029(d) no response is required, 10 (4), There are no facts alleged in this incorporated by reference paragraph. To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R,C.P,1029(d) no response is required, 10(5), There are no facts alleged in this incorporated by reference paragraph, To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R.C.P,1029(d) no response is required, 10(6), There are no facts alleged in this incorporated by reference paragraph. To the contrary, the averment is an admission of the corresponding allegation of the complaint. Pursuant to Pa R.C,P,I 029(d) no response is required, 10 (7), Denied, After reasonable investigation, plaintiff is without knowledge or information sufficient to form a belief as to the truth of the averment that defendant objected to the interest charged on the account. By way of further reply, plaintiffs records do not reflect the receipt of any dispute or objection from defendant. 10 (8), Denied, After reasonable investigation, plaintiff is without knowledge or information sufficient to form a belief as to the truth of the averment that defendant has objections to the balance based on alleged excessive interest. By way of further reply, plaintiffs records do not reflect the receipt of any dispute or objection from defendant. Further, the interest charged on the account was not excessive, Interest charged was and is permissible under the laws ofthe State of South Dakota. 10(9), Denied, The specifically denied averment in defendant's allegation set forth no facts in support thereof. No responsive pleading is required pursu2mt to Pa R,C,P, 1 029( d), It is denied that the balance is considerably less than the sum alleged in the complaint. To the contrary, the balance alleged in the complaint $20,047.24 is correct. 11, Denied, The interest charged defendant was not excessive. The interest applied was correct and in accordance with the laws of the State of South Dakota, The laws of the Commonwealth of Pennsylvania are not applicable. WHEREFORE, plaintiff prays that judgment be entered on its behalf and against defendant on the counterclaim. New Matter to Counterclaim 12, On or about May 1, 1984, at defendant's request, plaintiff opened a credit card account for defendant with account number 5424180459327257, ]3, Within 30 days of the credit card with account number 5424180459327257 being opened, the card together with the terms and conditions governing the account were sent to defendant. Subsequent revisions of the terms and conditions were also sent to defendant. 14, Defendant received the credit card and the terms and conditions, ] 5, The applicable law pertaining to the terms and enforcement of the credit card agreement is federal law and the law of the State of South Dakota as set forth in a copy of the terms and conditions attached hereto, made a part hereof and marked Exhibit A, WHEREFORE, plaintiff prays that judgment be entered on its behalf and against defendant on the counterclaim. BURTON NE/ ASSOCIATES, p,c. .. l By: --' ..-' Burton Neil, Esquire Attorney for 'laintiff In making this communication, we advise our firm is a debt collector. lzi19/05 MON 12:34 ~~.8165056860 IaJ 002 < ')1011 e) eeST USA LEGAL r.- .:.) 0..7 V ~ '12 Y I 'b () Y S~). L 7Z S--,:/ CARD AGREEMENT This document and the card carrier !.:::r;-:!O\er ma'r<.a .: :'our Card Aoreeme~l J.n~ throuCJhou~ tillS oc.curr.~r~. l~. ~;:fl!~.:; to as Aqree- Tl&r.t or <...:::r~ ,":'.fJfi!em~nt. ,i~~ :::src ;:;;:I~: :':11'.=:.1,-.::' .~~ :;,fi<:\nl .1ccouru il1torm.JllGll, lllclvcing :,OUf ant':I.,JI pefcen;.:;~ 'ates ilnd the amount ~f any membership fee. PleJS~ reaa ar.o:: ~~:~p both the card carrier and lhis documenllor ,r.U! !ecoras. ri':,) ,).greement is binding an 'jOlt unless you cancel :.n:iur ~ccount ;. :i:i'l1 30 days atter receIVing the card 3nd ,/OU na'/e :':01 'JSed ar J...:-:.:ri~d use of 'jOf1( account To simplify this Agreement for you. the lollowillQ dti;"Iitians will apply, The- ',voIds you, voUr. and yours mean all pef~ :ns responsible lor comptying with thiS Agreement. InclultinCJ tile pe':::;n 'Nho applied to open the a.ccount and the person to ','itlom ','1e at:-%s tJilling statements. ihe word c:Jr(J means Qntl Jr more :;,jJ';~ :r Glher ~r.p.ss del/IceS, such as account nL.lmbers, :hJ!':le have is~_~,j 10 permit you fa obtain cr!dil under thIS ,~oreement. me ','/or':~ .'/e. us. :tnd our mean CitibanK (Soulh Dakota). N.),.. tnelssuer :'.'Our account. The W(lrds JlJtfJorized U$.;!rmean any De!:;cn to ','/l'1c-, JOu grve p~rmissjan ~o iJse your account. Using Your Account and Your CreditL.ine: The card must be signed to be tJsed. Whether 'leu 5 ~-~ .he card or not. you are fully responsible lor c:omptyin~ wittt JII ::-:e ierms of this A9reBment. including the obligation 10 ;la:/ uS (or aU :al3nces due on 'jour account as specified In thiS A~reement. Yl)ur :ard must only be used lor la'Mtul transactions. 'four initial Credit line appear5 on tne :=.lfd carrier. A :'~nion 01 you((;fe-dif iine, CJIIed tne cash advance limit. is a..a;';~ble tor castl advances, At our discretion. Wf may change your r.;~'Jit line or castl aclvance limit at any time, We -,'ViII nolit'! :,ou of any -'!','l line or limit tllner by seMing :fOll a notice or lhrOUl;tljOur tJ:lIir-.; 5catemeot A change may take effect before 'Iou receive notlfic.:;i'Cn from us, You may requesf a chaflge to ,our credit line or CJS:'o ll1vance limit by contacting Customer Ser/lce b'lleit!::I",'one or mall The tull amounf of'your credit Jjneis Jvailable to buY ::r lease gOOds. Of serviCes 'Nherever the card is honored. Your cast: 1cNance limit is available tor c:iSh through any bank :Jr Jutomated :~rrer macl'1ine !flat accepts the card or by usinq c;on'ifnience cheo's. The tDtri amount char~ed on 'Jour account. inc~uding purcnas;s. balance tr<lnsfers. cash advanc~s. finanCf; ctlar~es, lees. or ,:::1er charges, must alwa.ys r~main below 'lour credit dr.e. However f :nat fotal amount exceeds your credit line you 01U!.; stlll pay ;':5. 'Ne may approve transactions cnar cause JOu !o :.'xct't'd ;lour ::~djt line '.'1itnout waivin~ any 01 our rig his undo!~ chis Aqreerr.~"':' ,. , . '. . ; EXHIBIT * 12/19/05 liON 12:35 FAX 8165056860 CCSI USA LEGAL Additional Cards; YOll may reQ;,;;~: ~CCItoQn,,; ::::::; :. : _" :.::aunt :cr yoors~JI 01" otliers ;md jOU -:-.~, ;)errr-:: ;; :,,'.;~r:.::: .:;er to ha'll9 access to me -::ua Qr ac:cv:1i 1urr.o~: :"-;:1"'5'.:". ' :\i do, 'IOU must pay liS tor:ill .:har:;~: ;-::~ ~'/ :r':~;: :~.):~:: -: ';ding'::.'l.uqes fer ','4t1icl\ }o.u may not :;Jd' J;(l;:1)CiG :: :~ ''';~~: -:; :;~_ '(01;, must IllJfit'f ijS to fp.voke :m 3lJl~~r':ea :Js~r.) :~fr:- ::::! =~ :, use jour accotJf11. It you "0 -a ''Ie rr:a'l .'I)$e ''',. 1;.~"""I.-' :~- '~ue a;Jew card or l;ards WltfJ a tliffe~efllt ~C':;~JlII'~~l:~!~V:'... ;.~~.;;~3ponsibie for ttle use at eaCh w!j \ss\.:-e~.:In jour ~'::::l.i"7: .::::-:ing ~o the terms af this Al)re~meI',t. Membership Fee; The C4rd c3merr,aicates .,.ml};!i.er. :_" ;:::Jl.lnt '5 S"ub;eC110 J membership fi!~,: It IS. !he'~ ,S ~::::::J me s:andard pUfCtTase uataflte and:5 :-;C:J-r~fu!'lcat'e Ji.i!:;S .!:. ,'1Dlif'j US to cancelYOlJf accoum within 30 :3.~'''' ~rcm :!".t :-~-; :r delivery dare of the clUing stutemen: 2'11 '"hlC:l :~,~ 4~ ::. ~ ' ~.: Billing: Your billing sta.t~~trIt shows :..,!!! :::::: :::,ance. any fmanc.e: C'llarlJfS, fees. (tie mi/WflJiI1 JmO\fm :..~. iir: :~~ :.lyment Que date. It also snows IClur :l;n!"!t coea!? 'ir-~ J:JC -;:;:~ :.cv<1nce limit 3n itemIZed lisl Jf curr~m :.~:ir!;es. c":r',::~ er:: :~~ :<5. pa/ments and cr~1it~; a summilr/ at :t~ ::lUrr.r;"::;l;! .!I"'<: ';'::~ :::',allce activit!, incJIII1tnq tt)t Hn;;nce Ch.m}:l$: 1 tJle :;U.....;;'-'~/: Oi-: ::~~r imoortant ihton1lJ.tion. If ',VOl deem 'Ie", lCCOUr.1 --irC;~,,:ec:-: ~ :' -i we ;nstitute cll!linQueocj cG-llecbon prQc:~~a;ngs 0'1 ~~,.,:;,,~ ::: ~i1 'Ju1sll~1S cOlJec.tiorl aoenc"l or anorne'j for :cllectiCll :.'le -ra'.I. :' :., ~ole discrellon, slop send- inq f'OO bimnl} SIJtemenls. ~c',<(e'.~~ '~:rance charges and fees 'NiU r.ominue to ac:r!.J1il :t/het~1 -:r ;C! :J~ :~(ld 'IOu tltlhng staU.ments. Yeti musl l1alJt; 'JS 01 a ::-;a::I;;!" :~. ~::dress ';Jy C"onlaCfinQ Customer S~ri'::~ b'lleletlr:Cf.~:, -;:, Ne will mail Dr oeliver the billing Stat~enT ;[1 onl:! ~r.e ldC'r-::s.:i. How We Detennine the Balance: The tolal outS:J,~djRg balar.c! ,It;~ ;....:;:-'~nt 'fOU owe us) appears as itle ~New 8alJnce" un i~,e ~Ii!ir:g :;~:~~~nt. To determine the New Balanc"!, 'Ne tl!';}ln wtttt ~he ~IJI5:,,-;-::'r'; ~alance on yollr account 3t the tleqinr.mq ;1 ~.1Ch ':::1::-; :e~':: ::. :~d the "?rlNious Balance" or. :''1e OJilir:.g ~:a.~I1'.er:l. ~'.'~ :;cc "_., :-~""ha~es (lr cash ,)(jvances and suWacr JIlY credit~ at ;a/rr.'!~:s :;-edited as. 01 that BLUing peri- od. We Ihen 3ca the acprt;;cr:ate ':O,.-~~ !:"~arQes and fees and. make other aoplicaOie Jdfustmer:ls. Annual Percentage Rates lor Purchases and Cash Advances: Your annual ~rcent,]<;e "1:~S )r-<; ::-~ :mespoodinq daily periodic rates -appear ::m tne ami :;).t~~er. ,..\. ;~ '4 oenOQic rate is the applica- ble annual ~~r::"'nUoe 'a~~ ::'/1[:-':' ':...' 365. Whether or not all JflTlual @003 r ..- ; , ! , , , , l " ! \ ). " 2 ! , ~ , ! j I \ j 12119/05 eeS1 USA LEGAL ~004 MON 12:35 FAX 8165056860 :~!.:l):nt~Qf! rat! is :;Ilsed on the U.S. Pnme Rate plus a marQln $ .1" cicaled on ':~e ~;.~Ij carner. PI1!l3Se see ~tle sectIOn ':1!r:r~led "V;F =:; ~ ;,.-:Jal PftC~r.ta~~ ~ates ror Purchases and Casn AC'lai.c~s" :~r ce:alls relating !O!lOW these rates ma~ cr~nge. inc:uding ;f 'jOll -::~~:jult unde~ :my Care! A~reemel1[ tl'lat ,/OU have witl1 'JS. Variable Annual Percentage Rates for Purchases and Cash Advances: If ;r;j annU.al :lercentaqe raN is based on :he U.S. Prima Rate pi!..s a margin. :Vl! '.'Iii! calculate the rate tor aactllJilliTIg penoa ~ .1dI::T~; :ne .;opJicabli! ;narQln thaI appears on lhe carc carner '10 :he U.S ?r't'!:! Rale. :;'Jf eat;'J Dilling period 'Ne ',Viii use tile U.S. ?i1me P<.::,,: ::,'...:,s;-.ec -n -~c:' ;'irill S;reU Journal t-/Q ~usmess -:!iiJ'; :lricr :0 !~'j, Stiltm/:r.t/Closin9 Oate tOr ttlJf billing period, Ar.y mcraase :' ::-:':.:~ase in a V3f1310Ie annual percentage rate due to a :!lange in :-,: !..:_S:. Prime Rate takes effect as of tne first day of the btlling per:r:: !c~ :mich we calculate the variable ;Jnnual percentaoe !al~, If mc':- lhar: cne U.S. Prime Rate is published 'He may choose ~he hiOMS: !"a:~ :f The ,WoiI,Y Street J~(.jrna{ceases pu~ication or to pubJish !:":: U.S, Prime Rate:. we ma~1 use tire U.S. Prime Rate puolished in ar~. other ile'NSpaCer 01 general circulation. or ',Y~ may substitule a Sir,- lar '~terence rate at our sole discretion. When a chilnge in an ape. - cac.~ '/ariable annual pel'tentage rate QKeS effect 'He ':Jill a~pjy it ::: ar.':' -;Xlsting calancp.5, SUD;ect to any pfamOfionJI r:::Ile !h.lt may lie: ! .fCI.,i ,innUJI percer.Tage r;lles may also 'tar! it you defauil !Jnder 3n:,' :lird Aqre-emem that you have wIth us bec.1use YOll tQJ1IO JTI:;'-: J ~djment to :JS or any otl1er creditor when tjue. 'JOIl exc~ed 10LJ~ C:~:ll~ ;ine, or 'IOU make a oJvment 10 us thai is not ~Ol'\cr=a, 1n Sl:cn ::.:rclJmstances. 'Ne may mt:rease your annual percenlJqe r;H::~ .:ne:lJdino 311:1 j:lrOmOllOna.1 rJles) on all balances to J ';~m3ble 1et~un fatfl af ~p 10 2399G~ plus Ihe appliCilble UcS. Pr;fT1e Rate, ih':! ~a:a:imum .iariable (jelilull rate currently in cHec~ ard the I:or. r~s.:cnoin9 d311'l periodic fJte appear en tM card carner. !='aclors ~~rs;eer~d in determining your variable default roue may :nclude ,:-:: len.;~~ ')f time ,our account witl1us has been open. the exiSi.ence. S8flQUSnsss. Jnd fimmo of defalJJrs UJlcer a11Y Card AQreement th,,: 'jOll "ol'le with 'JS. )nd other indications 01 a.ccount usal}t and pel, larT.3r'oce. The vanaole default rale takes eMect as oltt1e first day :~ lhe :;IUing period in 'N7lictl :IOU l1ef;lun. Your ac,cCJUnf may .19Jin b€~- c:)rr,~ ~hgiblt for a lower anflwJ percl!fllaoe tale on new purct1:lse~. le:" :asb advances. or t)oth after you nave met the terms ::If JII C;:~: AQr~emef1ts tt1at you have wi1h us lor six consecutive bill in!) pericc~. Your -:!xisting Jalances will remain sulljectlO the vatiable jelaull r:;.:~ unlil:heyare pallfin full. An :"c~ease in the variable 3nnual percentaqe r;lte means JOU will .:'=- wr 3: -:rqher finance charge and perhaps J hlqner minimum ptJyfTi'e:-:. Promotional Rate Offers: ~t cur ctiscrenon. we may offer you a promotional annual p~rcentji~e rate 'cr aU or a pan IJf any balances. The period of lime for ':mich ::! prc~ctjonal rate ap~lies may he limitild. An,! appliCable ~romorion" -' , , i'; } f I , i l t ~ . " ~ '~ " I , } ~ i' ~ f I .: 12/19/05 MON 12:36 f~X 8165056860 "cg_s I USA LEGAL 141005 rale. :ne ,;orrespomjing periodic iJies. am:!:ne penro oi t:I~'I1:: Ollnng WillCh.t 's in effect will :lPpear on lhe card C2mer. Any promolional rare IJlter 'Nflll1e s<Jblect to the terms of the Cff-!f and this Ayreement Finance Charges: Fin3nc~ ':~arges fot purchases. calar,ce tranSTi!fS. anr. cash lid.. 'iarc~~ :,~il :JeQlI1 tQ ,lC::~'H,: frOlil ~M ;~ate to.:- :::/Os.x:;cn is ,1{]I~cO tn me oaily balance. as de-ser/Met ~jQW, <.100 ;onlinu~ iO Jemlp. untn payment .n full is cre<2itea io 'jour ilccDunt. HOW"e'ler. i1 YOll j1ald tlle total New Balance. it :my, Hsti!d on the last billing s:alement b'l the payment jue date on that 5ti1tement 'IOU wlU have Linnl the p'Wm'!At due Qate on your curr'lnt statement to pay '/Our ratal New BJIllOce to avoid imDOsi1ion of adl1i1ional tinanca cnarQes on purchases (~cfudir;o balance transfem), If you halle accepted ~rtain balanc.e transier attets for ','}I1I,:n :mu may be eligible..yol.l may oot be able to avoio 3.dCJltional !ioance charges on purchases. as l:tescribl!..;f in 'jour t::JlaIiC8 trnn~ler offer. IN;: will C3lc'Jlale finance charges as 1ollc;ws: . We :JQure a ,DQrli<ln 01 th~ financa chart~e on ~OlJr 3t::ount by multIplYing Ihe daily !l::lI.lIlCC an dach feature (e,q,. strrld:ud pur- Chi1ses Qr sl:Jndara 3cv:mcesllJ'J ttJe aPf)licable daity pe.nodH: rate and separafely dddfnllloq~her J.rrt Stlch finance Charges lor eac:h feat:lJe for t'~cl1 day m !he bjlJjn~ periM, . for ~inance charge c.1lculJtion purposes, the billing period beqins IJI1 tt>e cay aner rhe Slatement.iClosint;J 03te of tl1e previous billinl') period .md includeS tl1~ Slatement!Ciosjng Date I)f tt1e currenr billing per\tld. rhe num~r of da'fS In the billing periOd may l13.rj, . To Qet the dally balance, we take the beginning balance tor each feature ~verl day (wt1ictl may include unpaid' finance' charglls 'rom previous billing periOdsl, add JnV r18W transactiOfls, any new tees. and any finance char.;.! on the pr~ious dais balance. S.UbUilC1 any credits or PJyments crediled as of that day. and make 3tt'ler adiu51. ments. A credit balance is ueJted as a balanct of !ero . We add 4) new purchase \0 t!1e appropn3le purCh<)se balal1ce as ot lhe Saie Date shown an your billing statement. . 'N~ 3c1d a new balanCE: transfer or cash advance to the a(lpmpri;}te purchase or aljvance oalance as 01 the Post Date shown on 'fDUr billing stil\ement. The Post Oate IS ttle date 'Ne [!Ceive jlO'lJf reQue:;t for 1he balance transfer or cash advance. including a requllst that 'lit tomp/ett J balance transler check or conveftience check lor a spe. emc amount. if you send a balance transler check or con~'enie!lce cheCk dir~ct~i to '4orr:eonl!, the Post Date is tt1e dale we recelV~ ltl~ cbet'" for payment. . The Balances Subject 10 FinanclI CharQe Ofl the trim~ slJtement <Ire the c'/el'3ges of :ne r~spec!ive d.1il)' balances dunog tfle bIllinQ period, It 'JO/J multIply U'lis lilJlttf! for t;lch feature. by the number of days Jl'1lhe blllinQ period 3f\d \)y tl1e .lpplicable daity perim1ic rate. the result will be the penOdic rate finance charges 3.sses!'.ed lor that 'e~lUre. ekceDt for minor ~'ariJtions cause<!' by rounding, This , 12/19/05 1l0N 12:36 FAX 8165056860 _ CCS I USA LEGAL 141006 Illett:e~ -JI c<llcula:1nq r,:",~ '.Hl<irlCe 5r.lll!eG! to 'ir;al1~e cha(oe, ?M tile o~ricdic ratel:nanc.: ,s:-:ar?es resu!ts in da,l~ r.ompoundlr.Q 01 tiflan.:~ .;n::rrqes. . Transaction Fee for Balance Transfers: You ~a\ie obtained "i oa~rc~ transfer tor which ~'Je Jssess a ilalance \;Jf'I~;~r ~r:l:'\5JC~lOI; i~-: ; /':u tr,Jf'lsfzr 3 balilnc~ by means Gitlin fIlan ,;, .;Jf1vp.njenc,J i::~etI or JOu l)btain lun<<ls l:',rougn a :iuiance "a~sjer ~rlec\t:. Btil;mce :;;msfers 'NilI be treated as pun:has~s unles3 oll1e;':ll:;e plovi13ea ,0 ~r,,;,; Agreement. To ~ach t1alat1ce transfer W9 add an Jdd;lional fiNANCE CHARGE ot 3.0% at me balance transfer, bllt nct 'ess than 55 or !nJfl] than SSO. This lee .,vill tie addtdl to_the 3Dpr:;:cr:i[e ;JUrc."IJSIt oo'i.ance :yJth tne ~atance :r:msfer. Th~ llalance 1r;In~:::... ,r:.mS;JC~lcn'~ ;~'I :JtJS~ :ne anr:llal o~r;:entag~ ~J.!'e on 1t"1\:J; :;....;.1) Si<lltmem -:In ::G,C:l :tle balance lrans;er :irst .1P:l<:ii(S to ex..ee'1l1",~ :;amln31 J.l1nUr.i 'Jer~n1age rate. Transaction Fe.. for Cash Advances: YOu ,'lolle oOtained ;] Cl1tn J.[1'1anC8 tor "..vhich we assess a t;ash ad'lan::e transaction :ee ;l/ou obtain lunds from an automated teller mac~.I;'I':: (ATM\. !ttrc:ulJ~ a. r;:rNeniente Chect, through home bank. in (I. r.r ttlrough a lir.i1flc:al institution: make a wire transfer: acquire a mCl'ley ?rder. traveler: .:hecK. lottery ticket !::ettino Qr C3.s~nQ chip. or ~:mliar item: I)r tlTllJilr;~ 'n Jnother similar transactIon, F~r ~ach c.:Ish :lavance. we 1<l(] ,jn ,)od:tional AHANt!: CHARGE of 3..y,~ of \11~ ::.dvance, but t\ot ;~~s tnan $5. This-lee ':Im be add6d to rhe ;:lppf: ~na'e Jd'/ance ~ar~~ce ',lrtrn the cash advance, (The olmOlmt of tt:e CJsn (\ctvJnc:e ma-/ mclude a 5un:.harg~ thallhe AIM rJ'.\lner imp0s-es.J TOt! r.::jsh J(]v.)r,c.i! lrans3ttlon lee may cause ~he 1IlnU31 pett::fI!JQe rate '1(\ lt~e ~i1linq stalement on Whic.h lhe cast! advance !irSl l~ilears 10 ,~,(ceM :;;e nominal annu<l1 cerC'lr:f.lge r;lte. Minimum Fin:tnce Charge: !f fir;Joce chart]es b.1:;e~ on ;1eriodk: f:l.tes afe being; ad(J~d :0 tour JCC~~!lt, !Juline total ct ::.uc~ linam:e t;11;uQes lor purchasi~s ,llld ellsn l(J'I<mCes is les~ ihan S.50. wt: assess a minimum FINANCE CHARGE, based on oer;odlc rates, of 5.50 We Jdd rhl! amount to ~r,!!: fe:tlure Iha11s :J~ir.Q 3ssessed.) finance ch3fge, It mon~ ;han one 7i!JtlJre IS JSS~ssed :.i linJnce charge, Wi! may add the minimum :i~nce cnarQe to anv :iIICn feature at our discretion. Credit Sa/anc..: Yl}lI ':";','J:j not m;:tJr1!Jinl :(~dit balance on ytlUr aC:CClunt In o!)/cess af 'jour .JSSfQned cr~uit :jne. We '}fill return 10 '.fou any cre11il amount over $'1.DO If 1l1e ilffiOUl'!l1JS been on your 3CCQUm long~!r ~h3n three months. You ll1~Y r~ques.t a refund of it crettit balaf1l~ at In,/ lime, 'Ne may r.educ~ the amount 01 .lny credit :Jalancf rJ'l :ile JfTlC'.H111f new r.h,lfges omdd to 'lour JccolJnl Security Interes//or Secured Accounts: The :;':UG carrier i.miicatcS :1 your acCOunt is a secured ilCCOu1'Tl. If it is. jeu ~,<lve given us 3 ':'-3!::Jrlty imerest in J C~rtmc:are 01 nepoSJt 10 12/19/05 iON 12:36 fAX 8165056860 ees! USA LEGAL ,~::';re ,epiI'JlT'am oj your account. If you withor!'s ~'ocr"_ ~:! .~m ..,~ :~rrtficale at Deposit we WIll c.los.e ".I'our Q,r:: ~C:IJr.:. Transactions Made in Foreign Currencies: . ~ -_~allSJc:ion is m3dl! in a foreign l';Urrem::/, '!l! ~~,a MQ:::~~:j h'.::mationai Of Visa InternatIOnaL depending QIi .'111cn ca': S ~sed. .'. -j :.Dnvert :he transactio" into l US doltar amo\;nt. Mc.~:~rc:!.ra z_.;: 'MOI '':J~] Jet in tl.ccotdan<;e with tl1eir a~ra!:r:; '~ou:~-. :~s ~r ::....'irSiOl'l oroceoures ill eif1!c, at the :nne rt,e ~~~~~at,.:. 5 :':''':' ::s::~'l Currently. meif regulations al",ll proCeQl..~~S :r::.I:-: :...:: :.-:e :xenC'J ccnversion rate Ih~y U$t is 1!:ltner (1'1:: ,'jro:,.es;;_: -ii.,'<~l '~:~::Ir 12) a JovMnmellt-m3ndal~ rare in eN!!:c; :~.e ~a'! :'0:':0 me :':~~Ssing 1a.te. MasterCard and Visa ~ncrease:n ;or;-.,:rs-c:- ~:!te :'; )fle perrent and ~eep Ihis increasl!, We il1c:.'"'!E.Sc :n! ::.....!';:Ion -i:: proviael1 to us by MasterCard or Visa by ~..~c. :~~cer: ~~r; jeep ::--,5 IncreaSe. The currency COIlvelsicn f3tl! ca:t:.. ,,:~a ir :-: 5 -~nt1el ;-j, is in ~"ect on the processing da1e mJ'j di:t~: 'r;:m ::-~ 'a:.:, .n .:.";~d OJ) Ihe :ransar.tton dale or (he "ostinq d;::~. Minimum Amount Due: :,)[;,'1 montn JOU must P:l.Y a I11lmmlJfil JmOUm :~ji:; s C:i,:_,a:~d as '~,iC'''J5". Firsl, we begin .'11th an'j ilmoum thats :;(j:S~ !lu~ ;;.': l.jd \0 : 1n1 ,:tmcurzl in exctsS of your credit line. Se(;:....t;. ,'Je ~::: 3; Jt an~' ~~f\uar perc~nratJt' fate imposed on lour acccl..r\ ~"(ce:ec:~ .f:90~. -"Ird. 'N@ ;led tfle I;uqes{ 01 the foUo~,.ing; ~ "":,f amount 01 yoor billed tinane! charges: .. -::-.e New Balance Or! lhe t1iUiJlg sta(em~nt II 'r s ;ss. ::-~:-: )Z!J: . )20 II the New Balance IS at lea~t S~O Jnd nc~ ;~~am ::-:fi )260; :' . " J3 01 lhe New Balance lW))kl) c.1lculation _I; ':c;no.l!': :C,',r: :0 the "~arest dOllar) if tbe New 8atartee exceeds S9EQ . 10 annual percent:lge- rate irnposta an 'jOllr ~.:::unt ~r:~ecs '&,99010 3nd tMe largfS! at !tleJb~e talculatlcrs s ll1e li:'CI.,;f1t at ..cur billed llnante cnarges. we add 55 to the :<i!t:.;\aticn:t '-,-~ '.linimum Amount Due. HowfNer, (he ,\t;nimul""l ;',~cur;: :,~~ .'Jill --!'ier ~;(cef'd yOU! N~ Balance. .. cJltulatino the Minimum Amount Cue. W& -:-;;:- :;;ut(.~c': '~,:m ::-e New Balance certl.in fees added 10 'Jour lCC-:...ra .jur::-C ::-~ : ,:il1U periOd. Payments: -'Ot.! must fJ:Jy 3t I!ast the mlniml.llil Jrnount :i,:e :, the ;;a!r-~nt ;lie dJte. and YOu may pay more at 1l1y Iim~ ...r:~~ut a ;-:'~a,:y, The 'i-!w Balance shOwn on 'Jour billinG :>latemer,{ -:4" :m;;:..:~ ;r.;oL,nl$ ;Joject to different periOdic rates. We 'NiI! ;tl:ct.:.i jour :a'jr.:il'nts )nCl credits to payoff balances at le,," perioe:c -::;!~S ':lef:r~ =::a'~iT\Q ::t balances at higher periodic rates. T:le socr.:~ .Iou ;a; :t,~ ~ew ?Jlartce. the less j'OU '.vill pay in finance char~':!s_ 'tle ,-;a./ H;) <.illow .-eiJ tQ skIp- a paymeot.Il'He 10. we .'Jill noi.,~.; it :::~ :.~:C~j~ 1i!1007 ~ ~ ~. \: i , I i t l I ~ .~ ~ , '. l: l . ~. j . " f . I ~ ~. VI 12/19/05 0 ______~:~~~-FAX 8~~~~~_________CE.sI [,SA LEGAL ro slap a payment when offered, we '..,ill continue to assess !inance cnarges. Instructions lor making payments are on your billing statemf:nt. In ord8f to be credited as 01 a particular aa\" you, payment must be receive<! in the tr:rm ~pecjfied. Jr'1a :'i the hour spacitied, if, :hose instructions. 00 not send cash paym8llts. We can accept lat~: or par- tial payments. as well 3S payments tt1at reflect .paid in full" IH olr1er reslrittive endorsements, wrttlout losing any 01 our nghts under tilts Agfeement. 'You agree to Pi.'i us in U.S. tiollars drawn on funds on deposit ;11 the United Stales Llsing a payment check. similar JJ'lstru- ment. or Jultllmtic debit thai will bs procemd and honote(l oy JOur !Jank. We r~SBrJe iIle right 10 3ccec: ;lil.'jments made in !or~ll;:n f.:.!r- reney and instruments drawn on funds on deposit outside :r1e United States. If we do. 'Ne will sl!lec~ tne ~ffectjve CUlTf!n~1 conve(~n r:lre at auT dIscretion ilnd credit your accolll1t in U.S. dollars ahill deduct~ lTlO any fees Of costs jncurred in cDIlnecbDn with prccessin!) your payment. If such 1fts or costs are nQt fully deductecl at the time 'Jour acrount Is credited f~r a payment we will bill you sep.af:l.tely forlhem, Over-fh.Credit-L.lne Fee: We will add a S35 fee to Ute srandanl purchlSB bilanct for each bill. ing period that lhe New Balance exceeds your credit line. We ma} Jdd this S35 fee even if we authorize the transaction that causes the New Balance to exceed YO\.Ir credtt line. LlJIeFH: We 'Hill add :! late fee to the standard purchase balance for eam JIII- inQ period y01l fail !e pay, by ils Que daie. the Minimum Amount Due lIess ftle Amount Over Credit UN! shown on your bRling statement). Thts late fee is hase<! on the t-je'N B;ilince at the time the late lee is JdlieCl. The late fee is: $15 on balances up to $100, S25 on balallCes 01 S'OO up 10 S1000, ar1d $35 on balances o' $1000 and over. Returned Payment Fee: We "Mill add a $29 fee 10 the Stl.ndanl purchase balanc~ when a pay- menl checiC or s.imilar Instrument is nOI honored. when W~ musl mum it becau~ it cilnnot be proceSsed. or 'Ntlen an auti,matlc oeM is returned unpaid. At (Jur option, 'Nt '11m 8Ssa$S this fee the first :ime your check or paym{!nt IS not /looored, eve!! if it is honored Jpon resubmisslOo. Sa/ance Transfer Checl<s: Balance transfer checks may be used 10 trilJlSfer balances or to obtain lunds up 10 the affiOurlt or your availal>le credjt lint. Each balance transfer check must be ill the torm we M'lIe issued aM must be used according to any instructions we olve YOtJ. Balance transfer checks may not be used tD pay ,any amount owed to us :,ml1er tnis or any ather Card Agr~ement 1har you have with us. We ':J;II not cenify any baliUlce transler cnecks. nor will we return paid oalance Ifansfer checks. ~008 ,. i t I \ , i i 7 12119/00 MON 12:37 FAX 8160006860 ccsr USA LEGAL Convenience Checks: Convemence i:hecil:S may De Llsed to purchase goods and ser:lces. ~c ttansier balar.ces !rom otners. or 10 obtatn funds up to tt.i: amo~m of 1cw~ ]\i~;:~bie ':35:- 21'l"'<l~~e limit :.J~l~ss ttm arr:'.:;.~ :Iill :JIJSt ttle total oalanr.'e tl) exceed ",our credit line. We ~U ~!!at i:on. -,enience cnStXS as ~ r:a~h advance ;)nd c:~a.rqe them <Igainsl jCI;f cash ad'/anc~ :imn. E.adl convenience check must be In the ':rm ','JB have issueQ' and must lJe used according to any instructions we 'J!>.'! lell, COllvenienc~ .:~ec:ks may oe used I'J1lly by the person ".'InDSe ~<lme is printe1. or :hem. COl'\lJenllmCe checks may not be ;.;se1 to ;'1.'1 any Jmaunt O':J!d 10 as under :his or any 1Jrlltr CalO A.;,'Hli1e'1t ;nat yOI1 have with us, We 'Nl11 nat cen.ify any converuence cnecil:s, ;,or "Ni<< we return paId convenience chOCks. Returned Convenience Check Fee: 'Ne will3l1d a 529 lee fO Ine $tafllbrd advance balance if we -Jecli1te ~o honor a cOn\lenience check. We may decline to tlOnQt SUCil :~!<~ks { for example. ttle amount of fhe cfleck wOIJld cause the l)a\3l1I;e :0 e:tceed your cash JlNance limit or credit line. i/ you default, if jlOU did not comply wil/1 DUT instructions re(I.uding tile cl1eck, " ,lour ar::count l1as tJeen clased, 01 if 'be card has expired. SlOp Payment Fee: We will add J 529 :ee to the standard advance balance wnen :Jay- mefl1 of a convemellct chetk is stOf,lped at your r~qlJp.sl. '(~U :Tl1l~J ::top payment on r.onv~mence cnecKs by notifying us. jf) wr'tlnl) JI P.D. Box 6500. Sioox FJ/ls. South Dakar,] 57111, Ot Dy taUinQ !:JS at the Cusromer Service telephone number fisted on ttte Mlil1.Q statement. If yau call, you must confinn the (311 In \vrttinq ':/Irnin 14 Qays. A 'Nntten '5top payment order will remain in effec, ~Of SI:t months unless renewed in 'Nfltinq. Once a charqe IS made !hrough the use l)f the C3rd or account number we cannot "stop payment" Qn the cflJTOc. If then ',s a (lis- putl! involving a charg! On your :Jccount, please !tIel to 1M ::.&:tion ~milled ~WtIal To 00 II There's An Error In Your ailr Lost or Stolen Cards, Account Numbers. or Convenience and 8alance Transfer Checks, If any card, account number. or chedc. is lost or stolen or,f 'fOil thinK someone used or may use them without your permission. ~otity us at once by c.ai1if19 tne Customer Service le~phone number Shown :>n U1e billing statement or the nllm~r obtained by cJlling ~oll"free or local Direc10rl Assistance. We may reQuifl! 'fIJu to ;Wl)""a~ !;ertJin information in writing 10 help us linCl. out '..vhat nappened. JIlO fa comply with such procedures as we may reQuire in COfme~ior'1 with aur In\leStilJ3.tion. Don't use tho! card, aCCDunt number. or 3rt'} checks alter we've be.en notified, even it they are rounD 01 r&lumeo. You m.1Y be liable for lJnautMri1:ed use of me accQunt, bul nrn ;or more tl't<111 550. You "Nvlfl be lia.ble tor una.uthQri~ed purchases or r:ash 1@009 i , '. ! "t..' i ~ ~ } . 1. i I f ! I i ~ 12119/05 MON 12:38 FAX 8155055850 CCSI USA LEGAL Ii!J010 .levance! made alter we\se been nollfied of It_~ ,r.5:i::- ::-~ --~1: -D',~elJer, you must iocntl!';J for us the :harges:;-, :;:-:':: ~~ :~!~~- -:'.en{ that were net made Oy 'JOu. or 50meon~ .!v:,-:c~::=: :' ;::U. :nd from which you recslVea' no benefit. Default: 'i,)U default under trns AQrecment if 'IOU fail to ~al, ":.'1 :$ ::.;~ :ate. :.'iJ! Minimum Amount Que 1i~ed on ~aGh bil1i"',~ ~:a~:!IT::;": "~.i to "',ake a payment 10 !In,! r:llt',er .:reC1itor \'Jhen c\::: J;.~ '':f :~-~""'.'Gtcr ~t::'~eo. 'jour credit :i08: ;iJ'j oy ] cth!c;.:: Qr 5Im:'~,. ,~~:~. - ;-: :-;;'1 .s not honored or rl'm we must return Decau~e '~ :c::nc :~ :'~c- .:ssea; pay i1';automaric deDil that is returneo Jr:::e.:t;::- :n'.lt :Jr.der <lIlY other Card Agreement thilt you ha';~ ':I':~, JS. ' : ':i.. :etault. we may close J'our account and demanc r-,:Tl~,:';;~-: ;4'1- r;',ent 01 the total balance. If ]'ou ha~ 'Jiven us 3 ;~t;:Jr:-: :;:='~l 'n a Cartlficate 01 Deposit we may use !he aercs;, ;ii1C~:-: ~': -::ay Jr.:, amount you owe. Pre.tluthorized Charges: :1 yOIJ default, if the c<net is lost or stolen. or 'U~ :~2i1l;~ .. ::Jf lc.wunt oraccQufll numOer for any reason. ',/~ i=-! s:..~:-:-c: lulo- ~J,tit charges on that account fa thila l13rty '1e~CCJ5 ;.:.:, ;:S':~ilf\ce ;remrums: ar orner GOods or stf\l)c!S_ If pr~ac;t:'-:-'::a :~c.r~es:ue ;t!spended_ you must contact the thIrd party' 'J~r::! '.0;: '::;rS~Jic ::'lem. You are responsIble lor making direct Ga-/:'":"''::;',{ .:~ :-:"C."'7 :narges unl~ 'IOu reinstate automatIC cnarl}es - Collection Costs: f '.'Ie refer collecllo(l of jfJUr Jc:tlun1 ;0 a !ilW:"~1 ..~,o 5 ~C~ :'Jr ;.lI.med employe!, you ,viii be liable for a~ :,~as':";;c:e r:::r~~'/$ '~es 'tit! intyr, plus the costs 3nd eltcenses a1 3,r.J =';41 ~c::cr" :0 :rle ~cnt permitted b~ la',l/, ARBITRATION: PLEASE READ THIS PROVISION Of TTiE AGREEMENT CAREFULLY. iT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATUlN. ARBITRATION REPLACES THE RIGHT TO GO TO COUllT,lNCLUOING THE RIGHTTO A JURY AND THE RIGHT TO PARTICIPATE iN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBIlRAT10N, A DISPOrt IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY, ARBITRATION PROCEDURES ARE SiMPLER AND MORE LIMITED THAN COURT PROCEDURES, Agreemenf to Arbitrate: ~jther YOIJ ar we may. Wltt'lOut the other's c!jr;~er.:. ~!ec: '"'i'!:-:::atory, :lOdinq arbitrJllon tor ~n'l claim. dispute, !)r ::;-:::'iUS:: :=:",';IHm ;ou a.nd IJS (caUed -'C:aims~l. . 1 /1 / MO 12:38 AX 8165056860 CCSI USA LEGAL Claims Co.,ered: . What Claims are S"ubietl to ,ubitfiJ(iol1? All C~:l;ms relOtlog !(j I~l.lr acc.Jum: J pDor ':,G:~C' JC::-j::,:;'- J~r rel..tionSl1iD are suoject :.J Jrbitr:mcn IncilJr.i~1 ~:aims :~';arl1':l9 the <1tJplk:<ltlon: enforte~ imht','. ~r :ntmuetil:jc:-: :.; ;~is A.;~~~~tl! Jt1d ltIiS arbitrOltlOI1-;UO- }':s(on. ,~1I :;:dims :Jr~ ~:.-;;;~c: 10 :;~Jllni;!ln_ no marter what legal :iI~{Jf'f ::-~: ).ri!. j;:;~~(: :-: )r '.'1~~: '~!1'':;'':} :'1amages. Dr ;nlunC!r/f or ~et!ardTory ;~Iiei ,I :);~'; "~~\i. \~f::; -,'c:"c~s G~ajms t1aSfd tJn COfltr:K:t :;;~ {:i1C)Udl"fJ irl\~n'::r:ui cern ~~:;;j(t ;oenc'J. 'Jour or our neQlj. ~!fJC". s.tat\ltOl"j or re!Jt."",:cr~ :J'J'J':s;~ns, or any other sOUrces 01 ~;m: C:.ltmS made as ::;';;,'~rcje';Os. r.ioss.clalms, ttlird-part'1 daims. in!erp!~;ujer:; ()t IJme~-:I~~;;: :lllCi ::aitl'lS ~Iaoe ,"dependently or ','Vlttl Jll1er ~~arms. A p,1ri'; :Jije 'nili:ms a ~rlJCeeding m t:oun mJ~1 elect d!nHral~l}n:JJlh r~so~c; :0 lni' ::::.ilm ad'lanced in mal prm;ee-ding c~ ::)11'1 other tial'i:'- Claim:) ar:d ,err.~dies ");Juqht JS part Qf }. class action. llriVJte ~rtar:'le'1 ;;er,-:;'"al or ot~~r _'epr~s~~~ti'lle action <ire subreet TO ,uJ;trJllOri an an rnai',i-:;'JJllno!1.'.:~a~s.. ~l)l\-repre!icntallvel baSIS. J.no !!ie Jr:ntr:Hor '1"1).1 ;':/J.rd ;?,.~I "ill., (Jrl;>(1 inrti'l;cual (lICI1..;!Jss. .1on-~'..'!:r~S~!lla\l'i~ I ::55;:; . Whose Claims art ~1JtJjet:t 10 ;ubHralioR1 Not on/l) ours and :!ours. ~Ul\r.lO C:alms ;n\ide ::I:: Jr 'lvamst anyone r.Dnnet~eD ',\11th ~'.i or :1011 ']( clalmlf.r; ':t"J'JuQi'i -.:s a;f lOll.. such as a co-applicant Of Ju!nor;z::'Q ~et )1 :,S.':f l';;:OUr-:. ':In ?~ployee. <\\Jent, repfl~5entltl'JI:, .1jjjJiJted ':;)IT',par'/. ~:~aeceS$cr )f ~uc::e5S0r. hen, JS~lQr.e!, 1)1 :ru~te1 ,n :lal)j(t~:DIC'.J- .. 'Nt\alliml tratm applies to Claims SUbi"' to arbitration? Claims ar~fw; In :ht p:l$i. ::~~S~Oi. .-:r \lflJl;;"nChH~inQ. C~,ims Jos:ng be1c:ri! ihe ;!per:Il'1!l l)f jtitJ.r :,,::':~UJ)I. j: ~ S\JC;I~r:1 fa arOitral;Ofl. . BrlJJDesl interpretation, Ani' :wes.;~cr.s. :Jbou! wheltlef ClaIms ar~ :.ublect 10 JrDtlr;U;Gfl ;;MIl be ~~s(li'.JeU 0,/ in!erpreling !nis J.fOitratiofl prQ"iSton in !n-e :")r;:ac;:'.j,: 'NJ.:t ~~e !"j','J '.'Jill a.llow it to be en/arced, This .1f:Jllt.l\IOn ;lr~"l~,'C11 IS 'i(lv~rneu oy the Federal ArbitrZi!icll Act i'h~ ~!=il.,l~j .. 'N11al about Claims filed in Small CfiilM eaur1? Claims filed \0 ::\-:;m,lll c!mms Ccu:c ;;r~ not sl.ioiec: Ie :JrT:llraticn, '.j,O tong a~ It\e m:ir1el remnm~ in- 5~ch !;oUn )fl.(l J(l'Janc.es, llnly ;In indiviouallMO- class. r.o(\.{~oresemJti'.iel Cj;)Ili1, How Arbitration Works: .. How does a party Initiate arbitration? The p.Jrry filillG .\1'1 arbi- rratit;fi ~ust choGse ,;f!t ot !h~ !oHowinG three artlitr;J!ion lirms 3M 'Ollow its rules ):",(! ~Hoceoures ~or initiating and pursuing ~ln ,x!:ll:r1i1Dn: Ami!f'<::I.r1 Alt:Jit~.1&fl AssocJ:Jtion, JAMS, and Nation.al .A.rOJlr3110l'l Fcr(Jl~. )q JrbilrJlioo "~<triflg tflat 'IOU attend '.'Jill tle held JC.l OlJC8 ChC5eO oJ tfle -J.rbiu:.!rion tirm in the same CIty ;:IS the U,S. DlS\tict ell!.::": -::cs:~sr I() 'jour !hen current DiWnQ address. or at 5[)me ather ~i\lo:~ :0 ';Ji'1icn :to!J tmd '.'1e agree in .HTlting, 'fou may CO{~lll ;;opies of :~~ :;.Jr~r.t '-UI€S ~I ~ach 1)1 the three arbrtr<ltlon ;jrrr:s :IIlU ;'orms ::.rd I'slruc:)~ns '~r InittJting In ar~jlr.lt1on b'( C:::'I1::;c;:mg !he/!" ~'S '::i!ows~ 011 ;. ::. t. f , ~. ! t o !. .. '. " > " , . i l " . 1 " , I ,. '~ '0 ., < r . .lJJUN -------------- --.- - ~ --'~r!t:Jll ~rbi1ration ).ssoclali..m ~~~ j\tu~,S';1l Avcm:e. f:h:or 10 ',:;'.'1 Y(Jrx. NY 10nli~':'605 .'ieb site: ~'Jww"Jdr.o(g 'AMS '920 Main Stleet SUite 300 .-,inl!. CA 92510 .'leD S,E: ',"",'NI,j<1mSWl r;CI;l ~<ltion<ll Arbitration ~!Jrtlm ?O. 80' 50191 MifUleJpolis, MN 55-\CS Web s:t-a: www.arbi!rJtiolHOPJm,cam :: 1:-', time JClJ Of we mJ'~ a~;m .)ppr(1~ri31~ CQurt In compel ':': ~:Jiion of C!alms. or ~O ~t3V the litlQation Jf C:aims pending .H~i- :--:::..:'t:, ellen It such Clnims are ;)0111 01 J law'3ull unless a trilll has :-:;~:'\ or 3. final iudamtm :1a5 been enlef~': S'ien it il party falls:G ~\:"'":':!se tnes~ rights <It an, P'1ftlcUklr ilme, Jr In ~onllection ','iith ::.:. J.1rticuJaf Claims. tMar PJrtl C3n :;lilI r~qutre arbitration at a J.H-:' : -; ,)r in connection ,,'Jilh ,my clhtr Claims . Whi1 praeedum and f3W are applicabJe. in artli1t3Iion? ,J. sjr.<;~, '-:-.!ral 3rC;tfElllJr ','Iill t'l$::;ly~ '::airr:$, TIle :Jrbi\r~tTCr '.V1lI be ~!tner .; }','fjef 'i/lth at least am j't;Jrs e,<pe,it:nc~ or J r~liretf Of lorm!r ~::;i:, s.elc-t!ed en i}ccor:J'Jnc~ '.om!) \he wles of the ,]Jtlitr\llion fit;'"". - ~-:: :ubitr3.tlOrl 'Hill fOllow llroclWurf!s and rules QIll1e arbitration .' ,'-;J in ciHect on the d.ile the 3fbitr,J(IQII is fitec ~f1less rhos~ pf':;(~- :'_res and rtJles ~r~ incon:;istenr :ni!h thIS Agreemet1t in "Nl1icl1 ~;;5c :~IS Agreement will i3(~'J;]11. rhlJse :m)Cedur~s 30G rules may 11(';',;: '~f. Jjiscove,'1 availJ:ole',o JOV I)' us, Tn!! arbit~tor ','/llllakd ftla~:;;- ;:l!e step.s to protect customer Jcr.ount ~lfarmabOrl and: other ,:~:-.fi- ;~ntiallnlorrmJ!iQI11f reQt.le:::ted to do so bV ,QU, I1r us, The ;)'(CI;;:i~Of ,viU appiy applicable ::ilJbsl3ntive \;)W cOfl",isteflt with tna FAA J.r:: lGpl~able stalul!!s at ~mi!3tions, will honor c!ilims 1)1 privilege '~cogni;:ed ;ulaw, ar.d will hillle Ihe power to awa.r" to iJ, part:/ .:11~J iamag;es. or other relief pri:lvidetl for under 10plicJtrle law. Yeu ';t we may choose to 'lave a /learlng ~nd be (epresenled by' co-~r:;~i 7hl! ;)rbit!.nor ','fill ;T',Jke 1fty aWJr(j in ',vrlhng JM, it teQlJestec J" IOU Jr liS, will PH~'J:d~;j !:rr'~ $1~IIf:mt:m '11 the '~~sons lor the 1'.'1'3rfj An JVlJro in arbitration SonJ!! C~lll'rmm1! ~he rl9ht~ )flC ()oli':);;;';:ns Oet>.v!!'en the flamed parties only. ilnd only in respect 1)1 ~he :: ::/'flS in arb!ttaliol1. .:Inti shall !lot h;]'1~ :lff'/ beJrillQ oolhe rights anc _:Qilga- buns of any other person, or on thl': ~e$oh)\JOll of ~IlY olher :,.s,pute. . Who pays? Whoever files the MMratloft l)<l'fS lhe initiztl ~il:~'J, lee., If we file. we pay: if you fife, you pa~l unless )Iou gel a lee ",'I.W/er under the applioble rules of the JrtlitratlOll firm. If you h;r, '! ;aiQ ttlt :Mi.al ming J~e and IOU pre'f<lil. 'rYe '.vill reimburse you ~'~r that fee. If there is a healing. we -,'hll PJ'j ':\IlY fees '3f :f1e ~r!:ijf:;',:-f und arbitratton Ilrm ler the first day ()f H'0t tlearlllg, AU oth&r '.,~s Will be attocated as Ofovid~ by tile rules of the ,lrbitr3tlon firr" Jno apolicable !a\'o However, '!Ie '....ill aav:mtl!i or reimourst /<:'.'f ~ees it A. OJ ,{ , . ,. , 1 .. s t ,. ~' t , j ~ ,. li ~' t' r 3 .. f " f t ~, " . , r 1"/19/05 MO . N 12:39 FAX 8165056860 CCSI USA LEGAL me ::!~bi\f"tion !i~';) or ,H::llt;'3t~r 1e'.f"'71IJi'!S there;s good r~S\lf; :Cf :~Quinlq 'J$ ",)::0 SiJ. ~.r . "\j :"... "':Od "Ji! .J!t;;:ofi':,une tt.f.r~ .S 'Jcod reason ;\:1 OOJ.flO St;. :3'~ :';'7;~~lIj\ bear ::':ti -G:,Pc!lI~t:;! ,hat ?3rtlj-S Jttor:-:~'1S. ~XD!!IiS. Jnd :. ':nesse:s. and ot!'ler t:xpem:?s r~t;;ardless 'J!':ih{.h GJrl'! Jr;:'.2Iis. :: ,.: J i)(lrty mz::- r~ovef any ~( ,!l :.~pal\SeS ~r:::-' ~i"lCit,~; ;c.'"':. .f '.:-~ j~C,trJ{or. .-:.';';iJ!IOl; JppLc~,;:r,: i<l',I. so delerrr.t:".o:!$. . Who can be a ~Irty? Cia\IT:~ :nus. :~ arougnl of, ~he name or Jr. indj\lidUJI per~n or ~nlltJ :;-;0 ;-;"'...:SI proceed J1l an 'Irldiv\aual cl'!on-class. f!Im-icpres~ntatr/~. :3.S.S. The artW:J,ior will not 3warc1 r'!:iler ror o( ilcamS! anyone ':Ir:O S -,;;~ 3. :},Urj.lf :.cu or we reqult~ a.rClu3tion of.:t CiJrm. "e:,:~,:; .cu. ...~. :lor:m." :;i~~r person maj purs,ue the C~al[';1.,n arblt:attc;ri as:l; ass action. ?rN:lle attome'j qelleTJI action:r ether leor~sentatl" ~ action. (lor :nay such Claim bt pursued on your Jr our :ilt'.ilf .11 Jr:, 'itll;;atlOn Iii .my CDlm, C~jm5 including aS$lqr,ed C!aJms. :.1 :-.VO :r ~{;,,= oers~('.s rna~ nor be )OlnP.O or conso.ldatad In :he same ,,~:irration. r.t;.:;e....el. applicants. t:o-Jppllcants. J\.Lihorii:!d JSHS on .1 ;inql~ 3tCCci11 and/or rellll~tl ,Jcc~ullls. or c~f~orale affi:la:~s are '"':~re :olls;c,:;M ilS Me j:erscn . When is ,m 3rtJilralioR award flrtal? T!le arM:.:Hor"S i!.vmn1 i.S final 3M binding on the ;Iar:!ts unl.~::s 01 oarty appeals It in 'Nnt\n~ 10 .M aroilraticn firm ':/lt:'l!('. '1'teer: :l'lS QI natic~ Jt !he awt'lrd. Ti'le Joaea! musl request a r:~'", :.fcitrat:c;'\ '~etorll a ~anel 01 three r}elJ~raJ Jrbitrators dzs;qnated ~~, ::'1:' ~Jm~ :;r::ltration tir:":'1, TM panel :YIIJ conSider JII fo.C~:Jill JAd :'~r;ai ~sue5: Jnew f(lIlO':1 lhe same ruies :nar JO[jrj to J o(cc:eainl} I;s.n~ ] sinq:~ Jralt(ator. ,;lJlC mak.e decl~;cns. based on Ill'! 'Io!e of the '"r.il.;:.rit'J. C:s~s '.'Jill :e 1dOCilled in tile 5<i.rT':~ WilY :ney m JI;CC,3led tcr .7ir:;tratic:-, j~fore a s;o:gre ,JrhitrJfO/, An :J.'.'Jard by;} panel IS lin",1 ,me JiMlrg on the pan:ies Jtter fitfeel'1 ~,jys has pa:>sed. A ~in31 ana :incir.o awa,'j is subjec, ;0 judicia1 revl~"i ana .,lntorcement .1S orC'l'c~a: ~y rr:~ FAA or otner .1pplic.ablt! 11\\'1 Survival and SfJvetability Df T~,m9: . TIlls arbltratml'l prOlli;;iJ;n ::-a!l s:";-;~'Je: Ii) termination or chJ.n<J~s In :h~ Agr€!~ment. ltle acc-cl.'r.!. or :!'~ f8latio1lshlD bltwl:!:tn you Jnd us concerniillJ ttle 3(;C::II.:ot: (iii :118 OiilClKrupfC'! of lInv part'): and ;!ii) .Jny !ransj~r. sale or lss:ynmem ~f jlOlIr ac:~unt. or :my amcums owed on :rQur 3f;f;Ounl, :0 Jr.:1 othe~ person or ~rt\t'l. If JOY por1ion of !tlis arbitration prcvis:c<'l:s deet:'1:o invalid ~r 'Jl1er"orceabie. the remiJininQ por1io~ snail ,i~'lerth8;ess remajn in loree. Any ditfererll al]reemem r2gnrdif1l) ;It:,~::C::ln ;rL~: Je 3.(Jre/:!J:::J in ,vntin9. Credit Reporting: W'J .:nay repor. lOUt pe".:r-:-.!nce ';r,cer !nls ;1.gT~em~nt to c~~di~ reporting :!genctes. inc;t;c.'ng Jour 'ill\ur~ \0 make minimum pJ'J- m~nlS on lime. If 'IOU r'.:cuest additonal cards en your :lccount' for ethers. you understand ~a1 ','Ie rr:a'i r~on account inlormation In 'F'U( !lJm! )$ ':Tell as ;f! :~~ ~ames '.:;{ ihose ether people. We .'n3'J .usa oQT.Jin 'olltlw-up C~~Clt '~oar:s ~n jeu (!c-r ~r.lmpre. wnl.!r: ~OlJ , < ! I' I' '2 t I I lZ119/0~ MON 12 3 ~__~ _~ _~__: 9 FAX 81.6':;~5!!..8.1!O_ CCS I USA LEGAL !qJ014 .~ "i!vie'.'l jour account for a credit Iir,e inCf':lasej. II JOU ,;..is~ to . - :l; me names 0' the Jl:}em:!e5 we I':..ve tontaCled. ",'/rile us at tt:e : .~:omer Sef\liCe al1tlress liste<l on Il'ie oilling statement We wilt ~r/ ~: -atily you by telephone or by mail 01 an'1IeQaI process serJed :- JS 10 orjerto give 'IOU an opportllnit't'o object to it lM;ess m~ ::... orohitnts the Mlice. .. _;IJ think we rep\lrtt!d -:!rroneaus informafion ra a crl.!dir ~t'!')ort- -; iqenc'j. write u!. at :he Cu~torner Se:t'llce-:uIClreS$ listed oJn th,; : '"9 statement. WeNl1I promptly invesfigate the maner aM !1 our - .~stjQatian shows JOU are right, we ".'Ill! contact each credit repcr:- -;JlIenC'! 10 whom we reoorteCl and '.'Iill request the,! r;om:lcl tl1-s ";:'In. It ';ve disagree ','lftl1 !"u after our irI,teStiqation. we '.yill tell ::; m writinQ or by lalaononE-.aM instruc.t }Iou hQ\"1 10 submit a !:;:emerlt of your position ;0 .hose JQencies. Your statemenl ',vill :~::lme a part 01 your ~redil record ~'nth them. relephontt Monitoring and Recording: :':71 tim@:o time '-"Ie rr.ily monitllr and r~cord Jour telephcn~ c.all!O .~;ardinq 'lour account ~'Jjm us 10 ,lssure the qualit') Ilf Qur ser....lc:;. Closing Your Account: -: ~ may close your aCCJunl Jl Jny l;m~ t.y notifying us In ".vnllnQ. -: ,'/ever, you remain respon~ible to OilY lhe lotal baL1nca JCcordir',} ": ::1e terms of itris Agreement We mJ~ close 'taur JCC.Junl 0/5l.i.;"- ; ~-d 'lour account privileges Jt an', lime lor any reason without :. :r notice. We may also rp.i5sue J different card. account number. :- :1:1erent check~ <It any lime. YI)U must return the carC or :he :. :':'~s 10 us !.Ipon request. Refusal of the Card: :,~ lfe not respollsjble il il tr.lllSilction on 'lour aCcount is nol ~::rlJved. ~ilher by us or by a third parr}. even if :IOU 1\3\1e suNiClenl :';':It 1l~il3ble_ We maY' limit the number of tlilnSClctions that may :: :iPtHo'Jed in one aay: If .....e delect unusuill or suspicious IlCtivi~f :our accQunt, 'Ne may lemDOro.rily suspend your credit pn\lifec~s _ .:;) '.we on vetit'! the .:lctivit'j. Changing this Agreement; :,~ ,:'In change this Agreement inctudin() all fees .1nd !f'le JnnUdI :"':entilge rate. J( ""ny lime. We can also add or delete proviSIons ~. '; ;;;ng to your JCCo-unf <:1m2 ro ,!ne n<llUft, t!:rUmt. Jnd ef'Itorc.eme:"t :. :~e tights and Obligations you or we may have relating 10 this : ;~~ement. These cfmnges are bindina an 'Iou. Howe'/er, if tne :.!::ge wil! cause a fee. Idte or minimum payment to jncr~ase. ';Ie :. j mail 'lOU 'Nrit1en notice at leaSt 15 days before t1le bt9inning :' ~e billinO period in which ttle change becomes effective. If leu :: 10t agree 10 the change, 'lou must nl)llfy LlS in writino within :: ;lays after Ihe effective dale of tne change aM pay us the lotal :.? .lnce, either at once or under ttle ~erms of the uncharTged ~12/~9/05 !I_ON 12: 40 FAX 8165056860 eeSI lISA LEGAL @015 A9r~t!ment I.i~es.s 'fll! ~,v!ijy i'C'~ :::-~. ','sa. use uf UTe C,)tl1 ;;,(ler tr.-! effective .ja1e. of !~;'; ':~an9r ;:-:~,' :-: ;eemed ac:ceplana of tne iio:';/ terms. '?'Jen itrt;: ~5 ~JYs ~:;:.':: . :~ ~:~pired. Enforcing this Agreement: We can dela, ~11 erllc:.::n~ Of 1;:;1: ~'.J :~::TC~ any of our rights under this AQfeement with:;,;! Icsmg OW;?!7' Assignment: We reser/e the (iQt\! :c; }$Slgr 2ry :. ~Il of \JU( fights and JoligJ' lions under this Ao:~':!i-tnt!e ;:~.: :iirt~f. Applicable Law: TI1p. terms aM enfc;r:~'TIent .;i :~is ':';reamem shall be qovemed 'J'f tec.l';~rJlla';J Jod ~"e i'-,' ')1 SC'..!:'l ::"~:.a. where we are iocated. For Further Information: CJUlhe CJsromer S~r-'Ice t~'-!cll';-~ "1umbershown on tne bllHf1Q st;:!terrer.t. You c~n ~:30 caii ::d-"~~ )f local DireC10rj ;\ssis~nce: 10 get our :e1epnooi:! ~:';-:-.';:ler ./" / . ., (./'~....-. Ken Stork Pr~sid~nt & CEO :.::tank (South DaKQ{a1. N.rl, = '). Box 6000 : ~ux Falls. SO 57117 i:~ 2003 CitiOJni<: :SClJlh C.1,c:~ 'l.A. " lZfJ~fU~ MUN 12:40 tAA 8165056860 CCSI USA LEGAL What To Do It There's An Error In Your BiI/. YDur 'illin, RI,hts, Xeep This Notice for fllfur! US" "7~:s ilotice contaln$ Impor:an, InTormal"::r: ~O(;;;: :.r 'iQh;'O ::' '..[ -::~(}flslbWtles Jnder ~he FJIT Cr~dit Bmi~C "/'c:. ' .Vatify Us /" Case of ErrDlS Dr Questions Abour YClUlr Bill. 'j : '::u :nmk :Jour t!iiling '5tillM~'ent \5 wrr:,:;,::;r .:. ,~C ';" :"; :;::rrr.i'iIIOn 3bou\ J transa~lon ~(1 'jour :Iilfii1~ ~~~:=-;i:r.t. ",T:;; ~: JS :".j ~';a.lr,;Ue s~~etj:lI:fie 30!jrlSS lm;;id~a ,i1 :-~ 3illiT11] ?,>;..:; S'imm<.WI portion ,m the back of jour OlllHlq 5tJ::'--;:r.i. Wr:-~= :: _3- 3: ,Gt:l11 1S posslble_ 'Ne ITO~S~ l;e3r :rQfJ' .leu ....c. ,,:'=~ :han -$C ::,'; 1t"~r '.'/e sent 'IOU the Iir'3t nlnfng ;i.atcfJ'I;~, 1r :.~ :... ~he e:'rc' :. ;:'::;Iem .l.ppear~d. Yeu CJn :ele~l<:one ',is. ~I~t "j,: -; ~O ','llil :. :', ~ , ~~,"'{~ fOur rrqr.ls. , ;Qur !etter, gi11e us the tcllo'.'JIfl(l :nlori:;;.t;cn' . (':lUi IlJme and Oic::oun, "':.lmjj~r . ~le dollar <.lr.1ounl Jf lhl! 'i;;sp~<;~ed ~r~')r. . :-:~5crlbt the ~rror ;:mtl ~:(O';ll:' f 'lOt; ::.n .'In', . ::1 :.eli't:~ --~.~ .S J'{l ~rrol. 11 'IOU ni!~d mo;~ ;l1iu~atlc;", ]~'2c:-:':;. ':-.e item :. ;r~ '.':11 ';~r'~ JMM. . ~~~i1-:;~ sign ,/Ollr l~t18t. :: .I()U ha..e ;)utflom~d llS;o ;IJ.'l jOur :,'edil:Jt: : I) :'iuto~,;>: :::; '~Jm 'lOUt :>3'1l11g5 Of ::neckmo ,1CCQUf11. 'Jou ;:ir :::,0 ~l1e P;I: -~~t -;r. In'j Jmounl )011 thInk ,5 ':UGr.g. TO ,,:00 ::':t :~~,~Tlent -/~L - .s: ",;11 ;1::' ,11 ~l!.<lst ~hree DUSll\i!S~ I]J'IS ':lei'.;[~ :r:~ ~'_.:":~am: ;<1',1"'-:-: '~ :cheduled to OCCUr. . Your Rights ,lid Our Respon~'biJJtles Aller We Rltc,ire 'four Written NOlfe!. 'Ne must acknoWledge ,our !ener within 30 IJa',~, ,r.less ;Je -~'.'l ':::m'!cled lhe mot D.J then_ Wilhm 90 1J'{S. ','Ie 71.51 -3ltt1er::"ect ~f'~ ~rror \J( o!Jp/3il1 wh'J -.'II~ ,elie'Je Y':;JJr DiJling =:J':gmenl ':,';,,, :')f- .~tt. Aller we receiile 'lour ;ener, ',Ve CJnr.ot :rl"~ :::lilect In'l ~;":",OUllt nu l)lJestion. or repon j~ur Jc::.unt ~s ~elina'..-::-:. 'NP. on':: -llnu~ :0 tJlII'/oU lor me amount ::ou ,westion. ;nc~uc~"; 'ir.ance ::-::-;~S. and '.'Ie c<ln apply any l:npaid amount 3g.l1ns.t ,:",r:;ret!it :!r~ i~U 10 :'lOr lla-~ to pay ;J.rI,/ questmned JmOUnl ~vr',~ :,Ie Jre ![':'.'::::-Jat- ng, but 'Iou Jre slill obliQatcd ~o ;Jay:M ~arts :';CCI bal;;rc~ ::lat ]r~ ;lOt in Question 11:le tind tnat we made a mlstJKe on 'jour bllji,~ ~;la!emem. ::u :Jlll not nave ~G 'Jay allY finance :'har,;:es reilll~C '_:l an,! :lues: :~~d jr,iGUlli:. If '.'Ie iicn't !i,aKa 1 ~IS(J:l<.e_ /l;U :.':J"_ -.:'.'t:o ~a'l ' -1xe ~;-;ilrges, ilM yOIJ '.'IL1II1::;.ve:o ;-;1;ril:e 'J~ :in:1 :r:'.;;:;~~: :::ayr..;t-:~ ::"! the -1lJesli011ed amount In ~jtt;er case, we .'Ill! 5er::: .()ll a S!:;'1;:--~:11 of !he J.molmt IOU ow~ and the jala i1 :s 'jUt. ,I fau !;llllo ;);:IlI ti"',@ amount :hat we J1tOlI. /eu :-,'Je, ','Ie :n;, '~~Orl .'f)'J ~s dellncuent. HO'.'/e'lp.r. !! ,)ur ~"(tl,ar.ail()f. ;:'~s 'lOI ~a;';:,.. lau :::InQ -lOU '....ri:e iO uS '''o'll:'llf'l iO ';:ii'/'it :~l,\r,g..;s ',-<.: ,iCU 'j;:,il ':' .5c to 141016 .. i i , t ~' ,\ I 1 < . 7 i ~ j" 'J , . i " 12/19/05 HUN 12:40 PAX 8165056860 CCSI USA LEGAL p..y, ....e must tell an:tor.e ','/e re~:;-: feu;: ::-E.;.. ~\J have a question aile:.!: ~/our bill. Md, ''-:~ :-::usl t~.; j';U !h~ -~:-~ ~<,;d :ti1dress 01 an1'- one :0 '"hom we !enor':"ecl 'lour ~C<:::;tJnl :r.::~~~: -;:n. We must tell an'IG~e we reporr 'IOU :c mat II":, :T.ai.!H ,~;s :;;" settled between U5 .....~er:. :, ::; finally s~ttlec If '.'I~:lOn-t iollo~; !htsc rules, .'i~ :.:nt cC-:~:: ..: first S50 of the qUis;:I~neC! .1mount. ~'!'?'l:f you; ::11~lr,g s;,:;.7~..: IN3S correct. Spe'i~1 Ruf, IDr Credit Cilrd PUlthl$IS, If :/OU nave a prOtllem ':nth the l:Ju.3litJ of :r:u-=::j or serv'(~l!S that 'jot.: JL!rc:h:lsed ','Jith a credit car,::. uH1 'Jc'. ~:;'.~ :'~ed in lJo:>d faith to ~C~~~:llhe protllar.1 ':I'~ ~.tle 'j.-::':~,a!1~, .:'; -:",:, "lave the ';Qhl not to od!!he rent3inrng amount elL',! ::n ~he :r,::c"':'/ or services. There ;ue ~:IO limitations on :his righT: . Ye,u must Ilave mJde ~he pUrC~C::ie in J':.~r .,:--,e state or, it not, 'flitnln leUI home stilt~. ,'/lthin ~9) miles :,: .r: _' :urrent ajdress; and . . The purchase !)rlce rr.ust hilV~ ::':en me.':; :;,:a~ 550 These Iimllations tiD not Jpply if :Ie own ':f ::n;~r3te lne mEirchant, or il we mailed you the aG'ierti:;em~nt ;or t~.~ :r:;c~!ty or ser\'ices' 3r:..:.:.~ ~7r.? "'.e', '.--::;. ':.e-:::: 141017 . , 11.('::"'; 16 Verification Burton Neil, attorney for plaintiff Citibank (South Dakota) N,A. hereby verifies the statements of fact in lieu of plaintiff as plaintiff is outside the jurisdiction of the court and the verification of plaintiff can not be obtained within the time allowed for the pleading, The averments of fact in the within pleading are true and correct upon information and belief based on information provided to the undersigned verifier by plaintiff, The undersigned understands that the statements made herein are subject to the penalties of 18 Pa, C.S, SecJ~ relating to unsworn falsification to the authorities, / /::::J~ \ ~ (c_,.. - .. Burton eil, Es~uire BUR TON NEIL & ASSOCIATES, P.c. By: Burton Neil, Esquire Identification No, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N,A, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA VS, NO, 05-5322 Civil JA Y V STONE Defendant : CIVIL ACTION - LAW Certificate of Service 1, Burton Neil, Esquire, do hereby certify that I served a true and correct copy ofthe within Plaintiffs Reply to Counterclaim and New Matter on defendant's counsel, Marcus A, McKnight, Ill, Esquire, at his address ofrecord via first class mail, postage prepaid on the date set forth below, Date: p t ~l t~ BURTON JIL & ASSOCIATES, P,C, / . " f ". BY: (. C:~---. Burton Neil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-7895 n c~ r--:' (..~~, ::)\ c:-' i-\ Co") ,-....> -- '-' "" :1-"" 0i;;:'~ --l'(\'; .i.. c:J '\C) . 1-. -;",\ (~ ,/" ....... '~q -- -::-:' :jj.M r:-? '\~) 0< \ BURTON NEIL & ASSOCIATES, P,C. BY: Burton Neil, Esquire Identification No, 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK SOUTH DAKOTA N.A Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO, 05-5322 Civil JAY V STONE Defendant : CIVIL ACTION - LAW PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached verification for the attorney verification filed with Plaintiff s Reply to Counterclaim and New Matter. & ASSOCIATES, P,C. / -. ..,..-,.,.,. . .BY' "'- .--- Burton N iI, Esquire Attorney or Plaintiff I, ')L - Verification Terri Ryning is an authorized agent for Citibank (South Dakota), N.A., the within Plaintiff, who hereby verifies that the statements of fact set forth in the foregoing Reply to Defendant's Counterclaim and New Matter to Counterclaim arc true and correct upon the verifier's information and belief and are made subject to the penalties of 18 Pa. c.s, Section 4904, relating to unsworn falsification to authorities. Date: I ::2.):;2D/ 0 S- f ~,~)yg1)~1?5 me NOTICE: In making this communication, we advise Burton Neil & Associates, P.c. is a debt collector. / &~( " ,/ ~:;~ ~, c::::) c;.~.") '.::;-' () ~n ,-, :-r~ I', ,- ?;;,,~ .:;:.'- :,.-:." r.:...,; BURTON NEIL & ASSOCIATES, P,C, By: Burton Neil, Esquire, Id, no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff v, : CUMBERLAND COUNTY, PENNSYLVANIA JA Y V. STONE : NO, 05-5322 CIVIL Defendant: CIVIL ACTION - LAW Plaintiff's Motion For Sanctions Plaintiff, Citibank (South Dakota) N.A. by and through counsel, Burton Neil, Esquire and Burton Neil & Associates, P.C" moves the Court pursuant to Pa,R.C,P. 4019 for sanctions against defendant Jay V, Stone due to his failure to serve sufficient answers to interrogatories, I, Plaintiff served defendant with interrogatories and requests for production of documents on December 6,2005, A copy of the interrogatories is attached hereto as Exhibit A. 2. Defendant did not respond to the interrogatories, 3. On January 26,2006 and February 6, 2006, plaintiffs counsel wrote defendant's counsel requesting that he contact plaintiffs counsel to confer regarding his failure to respond to the interrogatories. 4, Concurrence of opposing counsel of record was sought. On February 14,2006, a voicemail message was received from counsel advising he was trying to get defendant to respond to the discovery. 5. To date of this motion, defendant has not answered the interrogatories, WHEREFORE, plaintiff moves the Court to enter an Order compelling defendant to serve full and complete response to plaintiff s interrogatories ler the attached proposed Order. BURTON 'ElL & ASSOCIATES, p,c. / ,/ By: t. ;--- B on Neil, Esquire Atto ey for Plaintiff In making this communication, we advise our firm is a debt collector. BURTON NEIL & ASSOCIATES, P,C. Burton Neil, Esquire, Id, no, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS v, CUMBERLAND COUNTY, PENNSYL VANIA NO. 2005-5322 JAY V, STONE Defendant: CIVIL ACTION - LAW Plaintiff's First Set of Interrogatories to Defendant Plaintiff hereby serves these written interrogatories upon defendant who is to furnish written answers within thirty (30) days after service of these interrogatories in accordance with the Pennsylvania Rules of Civil Procedure, The answers shall be inserted in the space provided after each of the interrogatories; please attach additional pages if more space is needed for the answers. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure, If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers. Full and complete answers the interrogatories must be provided and signed by the party making the answers, I, State all facts in support of defendant's contentions that the laws of the Commonwealth of Pennsylvania determine the rate of interest to be charged, EXHIBIT A- 2, With regard to defendant's allegation that he objected to the interest being charged on the account balance, what was specific nature of the objection? 3. Explain the manner in which defendant's objection was communicated to Citibank (South Dakota) N.A 4. With whom did defendant speak at Citibank (South Dakota) N,A. when he communicated his objection to the interest being charged? 5, On what date did defendant communicate his objection to the interest being charged? 6, What the objection communicated in writing? . 7, What is the rate of interest defendant contends is applicable to the account? 8. According to defendant's own records, what was the date and amount of his last payment to Citibank (South Dakota) N.A? 9, According to defendant's own records, what was the amount owed to Citibank (South Dakota) N.A after the date and amount of his last payment? 10. State the basis for defendant's claim for attorney's fees in the claim for relief to his answer to the complaint. Burton Neil & Associates, P,C. By Burton Neil, Esquire In making this communication, we advise our firm is a debt collector, - BURTON NEIL & ASSOCIATES, P,C, By: Burton Neil, Esquire, Id, no, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff v, : CUMBERLAND COUNTY, PENNSYL VANIA JAY V, STONE NO. 05-5322 CIVIL Defendant: CIVIL ACTION - LAW Plaintiff's Memorandum of Law in Support of Motion For Sanctions Plaintiff, Citibank (South Dakota) N,A. filed suit against defendant to recover the balance owed on a credit card. Defendant filed an answer to the complaint. Plaintiff served defendant with interrogatories which are attached to plaintiffs motion, Defendant failed to respond to plaintiffs discovery, Pursuant to Pa, R.C.P, 4109 seeks the Court to enter an order compelling defendant to respond to plaintiffs discovery. Pa R.C.P, 40 19(a)(l)(i) provides "The court may, upon motion, make an appropriate order if a party fails to serve answers", to written interrogatories under Rule 4005," An appropriate order would be one pursuant to Rule 40 19( c )(5), that is, "such order with regard to the failure to make discovery as is just." Under the circumstances, plaintiff requests that an order be enter compelling defendant to answer plaintiff's interrogatories, BURTO~IL & ASSOCIATES, P,C, ;1 ,/, BY: ___ In making this communication, we advise our firm is a debt collector. - BURTON NEIL & ASSOCIATES, P,c. By: Burton Neil, Esquire Identification No. 11348 ] 060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 A TTORNEY FOR: Plaintiff CITIBANK SOUTH DAKOTA N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA VS. JAY V STONE : NO. 05-5322 Civil Defendant : CIVIL ACTION - LAW Certificate of Service I, Burton Neil, Esquire do hereby certifY that I served a true and correct copy of the within Motion for Sanctions, proposed Order and supporting Memorandum of Law on defendant's counsel, Marcus A. McKnight, III, Esquire at hislher address of record via first class mail, postage prepaid on the date set forth below, Date: 21~-~/t~ BURTON)EIL & ASSOCIATES, p,C, / BY. / d~' . ..' '~fN-eil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-7895 ---- - ~".) i 'Y R:::CEIVED MAR 0 6 " i CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v, : NO. 05-5322 CIVIL JAY V, STONE Defendant: CIVIL ACTION - LAW ORDER AND NOW, this ~ /.:tLday of lIl1? . /,1.. , 2006 on consideration of Plaintiffs Motion to Compel Answers to, it is hereby Ordered that the Defendant Jay V, Stone is directed to answer Plaintiff s interrogatories within 20 days of the date of this Order. BY THE COURT: 1. .do .0\9 OIJ ~; . f., \'1: .!ii BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 05-5322 Civil JAY V STONE Defendant : CIVIL ACTION - LAW Certificate of Service I, Burton Neil, Esquire do hereby certify that a I served a true and correct copy of the within Motion For Sanctions and proposed Order on defendant's counsel, Marcus A. McKnight, III, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Date: ~. L( Op BURJQN~. ASSOCIATES, P.C. ~--. 1 ~ e - Burton Neil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-7895 (~, r-.." C) " = c: c.:::::> -.-, 0""\ :i! ;J;! ell ~. ~r; I --'.,) (=:; G'l L ~-,. i ~. -.. -0 .j,... ,', ;:." (') i--~.'I i'l, c...) ..::::, ~~';::'" "',--, .-<.) -.J .-< '. .. BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05-5322 CIVIL JAY V. STONE Defendant : CIVIL ACTION - LAW Plaintiff's Motion For Sanctions Pursuant to Pa R.C.P. 4019(c)(2) Plaintiff, Citibank (South Dakota) N.A. by and through counsel, Burton Neil, Esquire and Burton Neil & Associates, P.C., moves the Court pursuant to Pa.R.C.P. 4019(c)(2) for sanctions against defendant Jay V. Stone due to his failure to comply with the Court's Order of March 8, 2006: 1. Plaintiff filed a motion to compel defendant to answer plaintiff s interrogatories. The Court by Order dated March 8, 2006 signed by Judge J. Wesley Oler, Jr., granted plaintiff's motion and ordered defendant to answer the interrogatories within twenty (20) days of the date of the Order. A copy of the Order is attached as Exhibit A. 2. To the date of this Motion, Defendant has not answered the interrogatories. 3. The interrogatories were addressed to the factual particulars of defendant's answer to paragraphs 7 and 8 and defendant's counterclaim. 4. In light of defendant's failure to answer plaintiffs interrogatories despite the Court's March 8, 2006 Order compelling answers, plaintiff believes and therefore avers the proper sanction against defendant for his conduct is the proposed preclusion Order attached with this motion. 5. Concurrence of Defendant's counsel was sought. On April 19, 2006, counsel for Defendant was advised by Plaintiff s counsel that despite preliminary settlement discussions that his client has made a substantial offer, attorney for the Plaintiff advised counsel that Defendant's answers to Interrogatories were still required. To date of this Motion, the Interrogatories remain unanswered. ~ Wherefore, plaintiff moves the Court to enter an Order imposing preclusion sanctions on defendant as per the attached proposed Order. In making this communication, we advise our firm is a debt collector. '. ... . CmBANK. (SOUTH DAKOTA) N.A. : IN THE GOURT OF Plaintiff : CUMBERLAND CO v. : NO. 05-5322 CIVIL JAYV. STONE Defendant : CIVIL ACTION- LA -. ,t-1f;'J RECEIVED MAK 0 6 2~J r( , PENNSYLVANIA AND NOW, this 2006 on consideration of Plaintiff s Motion to Compel Answers'to, it is hereby Ordered that directed to answer Plaintiff's interrogatoriesiwithin 20 days of the of this Order. I' j.. EXHIBI A. -' n ~'::: "':; .= C::.:;) 0" o -n -I ::J:, "T1 II f-:::;:' " , ;.-, '- .' r C= , Ul ( ..' -0 -:;'i) ~")j" -=-1 ~ -< ...J:"" G) _J . CITIBANK (SOUTH DAKOTA) N.A.: IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYL VANIA v. CML ACTION - LAW JAY V. STONE, Defendant NO. 05-5322 CIVIL TERM ORDER OF COURT AND NOW, this 31st day of August, 2006, upon consideration of Plaintiff's Motion for Sanctions Pursuant To Pa. R.C.P. 4019(c)(2), a Rule is hereby issued upon Defendant to show cause why the relief requested should not be granted. RULE RETURNABLE within 7 days of service. BY THE COURT, ~on Neil, Esq. 1060 Andrew Drive Suite 170 West Chester, PA 19380 Attorney for Plaintiff Marcus A. McKnight, III, Esq. 60 West Pomfret Street Carlisle, PA 17013 Attorney for Defendant :rc ~ ~l~ ~/' 1I!5cPb ~ ~.A' ~ I /fr /71)0 ~ ~ ~ ~ Vlf\j\;l/\l/S)\JN3d JJ.N'~~~ .", '~~'^'n"" j :1..1-, i "","i.,l~'~n >.) l] 'J :2 Hd I B :JOV 900l Atl\ilONUHiOtld 3Hl :10 J;}i,];I(i{}31I:l ~ r Burton Neil & Associates, P.C. By: Burton Neil, Esquire ill. NO. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-5322 Civil JAY V STONE Defendant : CIVIL ACTION - LAW Praecipe to Settle, End, & Discontinue To the Prothonotary: Mark the above matter Settled, Ended and Discontinued. The law firm of Burton Neil & Associates is a debt collector. C-7895 1111111111111111111111111111111111111111 1111111111111111111111111111111111111111111111111111111111111111111111111111111111111 -.:; :~ r .~ '......... Si .~." ....