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Home My WebLink About05-5857BURTON 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 CITI13ANK (SOUTH DAKOTA) N.A. 701 East 60th Street North, Sioux Falls, SD Plaintiff V. ROLAND R MORTENSEN 628 Woodland Avenue Mount Holly Springs PA 17065 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. OS-?d'S~T e tui (? 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, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 C-8226 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 CUMBERLAND COUNTY, PENNSYLVANIA V. ROLAND R MORTENSEN 628 Woodland Avenue Mount Holly Springs PA 17065 Defendant NO. 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 Roland R Mortensen, who resides at 628 Woodland Avenue, Mount Holly Springs, 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. COUNTI 4. Plaintiff furnished consumer credit to the defendant by means of a credit card with account number 5424180159982740 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 plaintiff for 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 $4,051.42. Wherefore, plaintiff demands judgment against defendant for the sum of $4,051.42, and the costs of this action. COUNT 11 10. Plaintiff furnished consumer credit to the defendant by means of a credit card with account number 5424180551231985 hereinafter referred to as the credit card account. 11. Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 12. 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. 13. Defendant received the monthly statements from plaintiff for the credit card account including the statement attached hereto as Exhibit B statement without protest, dispute or objection. 14. Defendant in not protesting, disputing or objecting to the statements including the Exhibit B statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 15. The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit B statement, is $5,040.55. Wherefore, plaintiff demands judgment against defendant for the sum of $5,040.55, and the costs of this action. Wherefore plaintiff demands judgment against defendant for the total amount due of $9,091.97 and the costs of this action. BURTON NEIL & ASSOCIATES, P.C. By: / ? t? Burton Neil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates, P.C. is a debt collector. 10/10/05 $4051.42 $4051.42 SITE:KC-CL TM:CO-5000 ACID:KCB7150 _I?pFoss>aEy<; A ""w 10/12/05 2 3 : 44: 3 3 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 1 17065-1927000 11[Jn Citi" Card Account Number 5424 1801 5998 2740 Customer Service: 1-800-756-4000 Total Credit Line $3500 BOX 6500 SIOUX FALLS, SD Closing Date 57117 09/15/2005 AYa)Mble Credit Line Cash Advance Limit Available Cash Limit $0 $3500 $0 Amount Over Purch/Adv Credit Line Past Due Minimum Due $551.42 + $726.09 $145.62 Standard Purch 9115 LATE FEE - AUG PAYMENT PAST DUE 66 0000 9/15 OVER CREDIT LIMIT FEE 62 0000 9/15 PURCHASES-FINANCE CHARGE-PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 9/15 PURCHASES-FINANCE CHARGE*PERIODIC RATE 84 0000 atle New Balance $4051.42 $4051.42 39.00 0000000000 35.00 0000000000 7.24 0000000000 94.38 0000000000 Your late fee was based on your account balance as of the payment due date (09/09/05), which was $3,875.80. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 Pm, Central Time. Please give us the opportunity to assist you. EXHIBIT Account Summary Previous (+) Purchases (-) Payments (+) FINANCE 7-) ew Balance &Advances &Credits CHARGE Balance PURCHASES $3,875.80 $74.00 0.00 $101.62 $4,051.42 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $3,875.80 $74.00 0.00 $101.62 $4,051.42 Davs This Blllino Period: 31 Rate Summary --- °""'- "' " 1 ` „""' ANNUAL Finance Charge Rate APR PFRCFNTAGF RATF rd Purch $279.79 0.08353%(D) 30.490% 30.490% Adv u 12/15/2004 $3,644.97 0.08353%(D) 30.490% 30.490% S rd Adv $0.00 0.08353%(D) 30.490% 30.490% 10/04/05 $5040.55 $5040.55 SITE:KC-CL TM:CO-5000 ACID:KCB7150 _._._....__._..::-- _..-:.._.:_. ,: 10/12/05 21:05:55: PSiF?OIfE_iR<tE;._ a:NEIY_:®htiiTiEE: _; ;_%j6f1?;iNFI.:3f__ CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 C Citia Driver's Edgea Card Charter Rebates Account Number 5424 1805 5123 1985 Customer Service. 1-800-756-4000 Total Credit Line AvalWble Credit Line Cash Advance Limit Available Cash Limit $4000 $0 $1200 $0 BOX 6500 Statement/ Amount Over Adv Purch/ SIOUX FALLS, SD Closing Date Credit Line Past Due D Minimum ua s7117 09/09/2005 $1040.55 + $844.93 $171.80 Standard Purch 9/09 LATE FEE - AUG PAYMENT PAST DUE 66 0000 9/09 PURCHASES*FINANCE CHARGE-PERIODIC RATE 84 0000 Purch/Adv Thru 08/10/2004 9/09 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (09/05/05), which was $4,873.75. Cltla New Balance $5040.55 Minimum Amount Due $5040.55 Amount 39.00 0000000000 39.31 0000000000 88.49 0000000000 Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. EXHIBIT Previous (+) Purchases (-) Payments +) FINANCE (=) New Account Summary Balance &Advances &Credits CHARGE Balance PURCHASES $4,873.75 $39.00 0.00 $127.80 $5,040.55 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $4,873.75 $39.00 0.00 $127.80 $5,040.55 Days This Bdiin Period: 31 Rate Summary Balance Subject to Periodic Nomina ANNUAL Finance Charge Rate APR PERCENTAGE RATE Purch $1,518.07 0.08353%(D) 30.490% 30.490% 8/10/2004 $3,417.25 0.08353%(D) 30.490% 30.490% Adv $0.00 0.08353%(D) 30.490% 30.490% Verification I, co„ y ,iii 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 the authorities. Date: U F! (A Q ? 'O Ul V C?. r ? T V J {°J SHERIFF'S RETURN - REGULAR CASE NO: 2005-05857 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK SOUTH DAKOTA NA VS MORTENSEN ROLAND R WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE MORTENSEN ROLAND R was served upon DEFENDANT the , at 1245:00 HOURS, on the 15th day of November , 2005 at 628 WOODLAND AVENUE MT HOLLY SPRINGS, PA 17065 by handing to DONNA MORTENSEN, WIFE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18 .00 Service 6 .72 Affidavit 10 .00 Surcharge .37 .00 35 .09 Sworn and Subscribed to before me this .11 --4 day of m 5-? A. D. ono ary So Answers: R. Thomas Kline 11/16/2005 BURTON NEIL Deputy Sheriff No.: 05-5857 Civil Term CITIBANK, SOUTH DAKOTA, N.A. § IN THE COURT OF COMMON § PLEAS Plaintiff, § VS. § CUMBERLAND COUNTY, § PENNSYLVANIA ROLAND R. MORTENSEN § § Defendant. § CIVIL ACTION-LAW Defendant's Orieinat Answer ROLAND R. MORTENSEN, Defendant, files this Original Answer to Plaintiff, CITIBANK (SOTH DAKOTA) N.A.'s Plaintiffs Original Petition and would respectfully show this Honorable Court the following: A. Admissions and Denials Defendant denies each and every paragraph alleged in Plaintiffs Original Petition. B. Facts Defendant has insufficient information from Plaintiff regarding transaction itemization and computation of fees, interest and other charges regarding the alleged debt necessary to effectively evaluate the debt alleged by Plaintiff. Defendant will seek the exchange of information and/or reasonable discovery, as permitted by Pennsylvania Rules of Civil Procedure. D. Prayer 3. Respondent prays that Petitioner take nothing and that Respondent be granted all relief requested in this Original Answer. Respondent prays for general relief. Defendant's Response to Plaintiffs Original Petition - Page-I CERTIFICATE OF SERVICE 1 certify that 1 sent a copy of the Defendant's Response to Plaintiffs Original Petition to the Plaintiff listed below on method(s) indicated below. CITIBANK (SOUTH DAKOTA), N.A., represented by ROLAND R. MORTENSEN Burton Neil, Faquire ?)e C 2005 by the BURTON NEIL & ASSOCIATES, P.C. 1060 Andrew Drive, Suite 170 Certified Mail Delivery Service West Chester, PA 19380 Tele: 610.696.2120 Fax Transfer Personal Delivery Fax: 610.696.4111 Defendant's Respow to PlaictiDrs t3r*inal Petition - Page-3 Respectfully Submitted, Roland R. Mortensen Pro-Se 628 Woodland Avenue Mount Holly Springs, PA 17065 Dereodasl's ResPo to Plaintin's Origieal Pet1O0a - P29n2 _, n -; - ?> ;., <:;> <. No. 05-5857 civil CITIBANK SOUTH DAKOTA N.A. § IN THE COURT OF Plaintiff § COMMON PLEAS $ VS. § CIVIL ACTION - LAW ROLAND R MORTENSEN § CUMBERLAND COUNTY Defendant § PENNSYLVANIA DEFENDANT'S ANSWERS TO PLAINTIFF'S REQUEST FOR ADMISSIONS TO: Plaintiff, CITIBANK, SOUTH DAKOTA, N.A., by and through its attorney of record, YALE WEINSTEIN, Barton Neil & Associates, P.C., 1060 Andrew Drive, Suite 170, West Chester, PA 19380. ROLAND R MORTENSEN, Defendant, serves these answers to Plaintiffs, CITIBANK, SOUTH DAKOTA'S Request for Admissions to Defendant made under the North Carolina Rules of Civil Procedure. Respectfully Submitted, ?rC ,1' l 2u . _ ROLAND R MORTENSEN Pro Se 628 Woodland Ave. Mount Holly Springs, PA 17605 DEFENDANT'S ANSWERS TO ADMISSIONS 1. With reference to the monthly billing statements for defendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits I through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Denied. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit 2. Defendant admits that after receipt of the monthly billing statements marked exhibits I-18 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 3. Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. RESPONSE: Admit 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statement. RESPONSE: Admit 5. Defendant admits that balance owed on account number 5424180159982740 is 54,051.42. RESPONSE: Denied 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Denied b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. Admit 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 44-50 defendant did not send a payment to plaintiff. RESPONSE: Admit 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statement. RESPONSE: Admit 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55. RESPONSE: Denied 11. Defendant admits that the total balance owed on both accounts is $9,091.97. RESPONSE: Denied Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and correct to the best of the undersigned my knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date: Roland R Morteivs n CERTIFICATE OF SERVICE I certify that I sent a copy of the Defendant's Original Response to Plaintiffs Attorney of record as listed below on 'Scaa.c- 2006 by the method(s) indicated below. 2A ROI.AND R MORTENSEN Citibank, South Dakota N.A., represented by Yale Weinstein, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, STE 170 Certified Mail Delivery Service West Chester, PA 19380 X Tele: 610.696.2120 Fax Transfer Personal Delivery Fax: I fJ Y -_ w --, c? I? =i7 r iii 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. Plaintiff V. ROLAND R MORTENSEN : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 civil Defendant : CIVIL ACTION - LAW Plaintiffs Motion Pursuant to Pa. R.C.P. 4014(c) to Determine Sufficiency of Defendant's Answers to Requests for Admission Now comes plaintiff Citibank (South Dakota) N.A. by and though its counsel Burton Neil, Esquire and moves your Honorable Court to determine that defendant's answers to plaintiff's Requests for Admission be deemed admissions. In support thereof, plaintiff represents as follows: 1. Plaintiff served defendant with requests for admission which defendant answered. Copies of the requests and answers are attached hereto as Exhibits A and B. 2. Defendant's response to the requests did not fairly meet the substance of the requested matter and the denials were not properly qualified. 3. The substance of each request should be within the knowledge of defendant to admit or deny and that reasonable inquiry would have enabled him to do so. WHEREFORE, plaintiff moves your Honorable Court to order that each matter contained in plaintiff's Requests for Admission is admitted. BURTON By: Attorney & ASSOCIATES, P.C. Esquire Plaintiff In making this communication, we advise our firm is a debt LAW OFFICES BURTON NEIL & ASSOCIATES, P.C. v l 1/t 1060 ANDREW DRIVE, SUITE 170 WEST CHESTER, PENNSYLVANIA 19380 Burton Ncil 610-696-2120 Facsimile 610-696-4111 Edward J. O'Brien Email: Burton.neil®burt-law.com Refer to File # Jay K Pressman Yale D. Weinstein May 16, 2006 C-8226 Roland R Mortensen 628 Woodland Avenue Mount Holly Springs PA 17065-1927 RE: Citibank South Dakota, NA Account with Roland R Mortensen Dear Mr. Mortensen: I herewith serve upon you Plaintiffs First Set of Requests for Admission. Very truly yours, Yale Weinstein In making this communication, we advise that this firm is a debt collector. Certified Mail ru . . a- ru v rn a O (E^d?a."'"" tr r Tow 3 F., $ r` yr--- Pftkftk S.ISo? EXHIBIT BURTON NEIL & ASSOCIATES, P.C. By: Yale Weinstein, Esquire Identification No. 89678 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. ROLAND R MORTENSEN Defendant : NO.05-5857 civil CIVIL ACTION - LAW Plaintiff's First Set of Requests for Admission to Defendant Plaintiff, by its undersigned attorney, hereby serves upon defendant the within Request. for Admissions pursuant to Pa.R.C.P. No. 4014. Your attention is called to Rule 4014(b) which provides: Each matter of which an admission is requested shall be separately set forth. The matter is admitted unless, within thirty days after service of the request, or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection, signed by the party or by the party's attorney, but, unless the court shortens the time, a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made, the reasons therefore shall be stated. The answer shall admit or. deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the party shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by him or her is insufficient to enable him or her to admit or deny. A party who considers that a matter of which an admission has been requested presents a genuine issue for trial may not, on that ground alone, object to the request. That party may, subject to the provisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit or deny it. Requests for Admission 1. With reference to the monthly billing statements for defendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. c. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. 2. Defendant admits that after receipt of the monthly billing statements marked exhibits 1-18 defendant made a payment which was reflected as a credit in the following month's statement. I Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statement. 5. Defendant admits that balance owed on account number 5424180159982740 is $4,051.42. 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. c. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 44-50 defendant did not send a payment to plaintiff. 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statement. 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55. 11. Defendant admits that the total balance owed on both accounts is $9,091.97. BURTON NEIL & ASSOCIATES, P.C. By: Yale Weinstein, Esquire In making this communication, we advise that this office is a debt collector. C-8226 & C-8234 Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and correct to the best of the undersigned my knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: Roland R Mortensen 10/10/03 $3352.88 $146.00 SITE:KC-CL CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: C it io Card for Customs 1- 51 Sarwks, pO or write 1-800-950-5114 Account Number YerwartbNW4ra m erlas BOX 6500 5424 1801 5998 2740 a,uft - WWI SIOUX FA LLS, SD PAYMENT MUST RE RECEIVED NY 1:00 PM LOCAL TIME ON 10/10/2003 notPreea.er- dome. 57117 Statement/Closing Date Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit Now Balance 09/16/2003 $3500 $147 $3500 $147 $3352.88 Amount Over Credit Una Past Due PurcNAdv Minimum Due Minimum Amount Due $0.00 + $72.00 + $74.00 = $146.00 SNN Date Post Date Ratereece Number Activity Sims Last statement Amount Standard Purch 9/16 LATE FEE - AUG PAYMENT PAST DUE 15.00 66 0000 0000000000 9/16 PURCHASES*FINANCE CHARGE*P£RIODIC RATE 42.60 84 0000 0000000000 Standard Adv 9/16 ADVANCES*FINANCE CHARGE*PERIODIC RATE 6.48 • 84 0000 0000000000 The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card Agreement with us: if you fail to make a payment to us or any other creditor when due, you exceed your credit line or you make a payment to us that is not honored by your bank. Peace of mind is knowing... your Citi Card account is protected if your income stops. Call 1-866-631 0155 to find out how you can be protected and receive $50 in rebate coupons when you enroll. Get $5 Statement Credit. Sign up for All Electronic. You'll have instant access to our statement online, without that pile of paper. Gel an e-mail notice when your statement is ready. Regqister or sign-on tc citicards.com and choose Manage My Account. Did you know that you won't lose a penny when you i use your Citi(R)Card online? With Citibank'' So EXHIBIT Liability, you can have peace of mind knowing that you won't be held responsible for any unauthorized charges on your account. Atcount Summary Previous (+ Purchases -) Payments (+) FINANCE (a) Naw Balance & Advances & Cr edits CHARGE Balance PURCHASES ADVANCES $2 854.85 1 9 55.00 0.00 $42.60 $2 912.45 433. 5 0.00 1 0.00 $6.48 $440.43 TOTAL $3.288.80 $15.00 0.00 $49.08 $3,352.88 Da This Win Period: 32 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,875.43 0.04630%(D) 16.900% 16.900% ADVANCES Standard Adv $437.08 0.04630%(D) 16.900% 16.900% 11/10/03 $3419.07 $77.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 =..N }ppw :•r=:? vM >• ?? 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi` Card Account Number 5424 1801 5998 2740 PAYMENT MUST BE RECEIVED BY 1:00 PM LOCAL TIME ON 11/10/2003 Statemaat/Closing Data Total Credit Line Available Credit Lira 10/16/2003 $3500 $80 Amount over credit une $0.00 + Sale Data Post Data Reference For Cudomer Service, call or wrkte 1-800-950-5114 Tr rgert Mane area„ erne BOX 6500 a aft "'-Can" v M SIOUX FALLS, SD ratpromm YevrelhK 57117 Cash Advance Lank Available Cash Limit New Balance $3500 $80 $3419.07 Past Due P,,,,V*dv Minimum L. Minimum Amount Due $2.00 + $75.00 = $77.00 9/ 7 7 7 Payyments Credits 6 Adjustelents 1 436 223 YMENT THANK YOU P -72.00 A T 0000 0000 10/13 62982571 THANK YOU 0 -72.00 TO O 0000 Standard Purch 10/16 LATE FEE - SEP PAYMENT PAST DUE 15.00 66 0000 0000000000 9/25 9/25 THRT7G00 TBE*ASHTON DRAKE GALL 600-634-5164 IL 34.79 61 A5969US 3286 78432863268 9/30 9/30 18OB9R00 TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863273 10/09 10/09 NPP2CNVP PAYPAL *JANICEDEBI 402 935 7733 CA 78.94 61 A8999US 1065 78429503282 10/16 PURCHASES*FINANCE CHARGE*PERIODIC RATE 40.69 84 0000 0000000000 Standard Adv 10/16 ADVANCES*FINANCE CHARGE*PERIODIC RATE 5.98 84 0000 0000000000 The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card Agreement with us: if you fail to Ntake a payment to us or any other creditor when due, you exceed your credit line or you make a payment to us that is not honored by your bank. Peace of mind is knowing:.. your Citi Card account is protected if your income stops. Call 1-877-300-2927 to find out now you can be protected. Receive a $15 rebate coupon when you enroll. Get $5 Statement Credit. Sign up for All Electronic. You'll have instant access to your statement online, without that pile of paper. Get an e-mail notice when your statement is ready. Register or sign-on to citicards.com and choose Manage 9y Account. EXHIBIT a ROLAND R MORTENSEN Safe Dote Post Date Reference Number ActMty Since Last Statement Amount Account Summary Previous (+) urc aces - Payments +) FININCE {=) ew Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $2 912.45 4440.43 $163.52 $0.00 : 23.27 73 120 $40.69 $2 993.39 $5 98 TOTAL $3,352.88 $163.52 . $144.00 . 425.68 $46.67 $3,419.07 Days This Billing Period: 30 Rate Summary Balance Subjec t to erio is Nomina ANNUAL Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch ADVANCFS $2,929.11 0. 04630%(D) 16.900% 16.900% 12/09/03 $3511.77 $88.77 SITE:KC-CL TM:CO-5000 ACID:KCB$076 ?'-' 4 ` 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 For Customer Service. colt or writ* C it io Card 1-800-950-5114 Account Number lro"watirr).rws,.lte BOX 6500 5424 1801 5998 2740 teems --ea-caWgwlw SIOUX FALLS SO PAYMENT MOST BE RECEIVED BY 1:00 PM LOCAL TIME ON 12/09/2003 notp '*Yarrlgwfa. , 57117 Stat*ment/Cbsinq Date Total Credit L•s» Available Credit Line Cash Advance L.lmii Available Cash Limit Now Balance 11/14/2003 $3500 $0 $3500 $0 $3511.77 A mount pva r Credit Line Past Due Purch/Adv 1Nlnimum Due Minimum Amount Duo $11.77 + $0.00 + $77.00 = $88.77 Sale Date Post Date Reference Number Activity Since Last Statement Amount 10/30 42177677 10/16 10/17 OZ*V6P00 11/05 11/05 3KR47WOO 11/08 11/08 4FR9F7WP 11/13 11/13 MWHSHWVP 11/14 11/14 Payments, Credits & Adjustments PAYMENT THANK YOU -77.00 70 0000 0000 Standard Parch TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863289 TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863309 PAYPAL *CRMELLING 402 935 7733 CA 20.87 61 A8999US 1065 78429503312 PAYPAL *REBECCASCLO 402 935 7733 CA 32.89 61 A8999US 1065 78429503317 PURCHASES*FINANCE CHARGE*PERIODIC RATE 40 71 84 0000 . 0000000000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 5.65 84 0000 0000000000 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your bill, you must give a copy of this notice to them before the payment is sent to us. Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update above coupon if incorrect. Your Citi Card can provide shopping convenience and account protection. Call 1-866-247-9186 to learn how to protect your account and receive a $15 rebate coupon when you enroll. EXHIBIT 3 ROLAND R MORTENSEN Sale Date Post Data Rnforonce Number ActWlty Since Last Statement Amount Account Summary Previous (+) Purchases - aymen s (+ M G (,) New Balance Advances & Credits CHARGE Balance PURCHASES ADVANCES $2 993.39 1425.68 $1 3.34 0.00 63.36 13 64 1 $40.71 $3 094.08 $5 65 $ TOTAL $3,419.07 $123.34 . 77.00 . 417.69 $46.36 $3,511.77 Days This Billing Period 29 Rate Summary Balance Subject to Periodic _ om na ANNUAL ^ Finance Charge Rate APR PERCENTAGE RATE rd Purch $3,032-15 0.04630%(D) 16.900% 16.900% S 01/09/04 $3490.73 $77.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 '.->p ?'.?.-? 04/26/06 21:44:38: CITI CARDS PO SOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citio Card For Customer Service, call or wirtte 1-800-950-5114 Account Number T• r•? rnry we.rR melee BOX 6500 5424 1801 5998 2740 ba?ie' ?•'m'wee1 SIOUX FALLS, SD PAYMENT MUST BE RECEIVED By 1:00 PM LOCAL TIME ON 01/09/2004 nnt???? 57117 Statement/Closing Date Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit Mew Balance 12/16/2003 $3500 $9 $3500 $9 $3490.73 Amount Over Credit Line Pest Due PurcNAdv Minimum Due Minimum Amount Due $0.00 + $0.00 + $77.00 = $77.00 Sale Date Post Date Reference Number ActhttT Slave Last Statement Amount 12/ 42283 5 Payments, Credits It Adjustments AN 11 4 1 ENT HANK YOU 7 -88.77 0 0000 12/16 Standard Purch PURCHASES"FINANCE CHARGE•PERIODIC RATE 84 0000 59.68 0000000000 Standard Adv 12/16 I 1 84 ADVAN0000FINANCE CHARGE•PERIODIC RATE ' 0000000000 -05 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your bill, you must give a copy of this notice to them before the payment is sent to us. If you have not received your new cards please call the Customer Service number on this statement. The Annual Percentage Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make payment to us on this account or any other account that you have with us or any other creditor when due, you exceeded your credit line on this account or any other account that you have with us, or you made a payment to us on this account or any other account that you have with us that was not honored by your bank. HAPPY HOLIDAYS FROM ALL OF US AT CITI: We'd like to take a moment to thank you for being a Citi Card member and let you know that we appreciate your business. warmest wishes for the upcoming year. Please see the enclosed Notice of Change in Terms to Your Card Agqreement for important information regarding cftanges to your card Agreement. On Behalf of Citibank, Happy Holidays EXHIBIT ROLAND R MORTENSEN Sale Date Post Date Relerenco Number Activity Sipco Lest Statoment Amount KEEP TRACK OF YOUR HOLIDAY SPENDING! Stay on top of your purchases and available credit on your Citi Card this holiday season. Register at https://www.citicards.com today and view your account summary anytime, anywhere. Get $5 Statement Credit. Sign up for All Electronic. You'll have instant access to your statement online, without that pile of paper. Get an e-mail notice when your statement is ready. Register or sign-on tc www.citicards.com and choose Manage My Account. Introducing Citi(R) Identity Theft Solutions Identity theft can happen to anyone. If it happens to you we caq help with free specialized assistance. Visit https://www.citi cards. com to learn more. Peace of mind is knowing... your Citi Card account is protected if your income stops. Call 1-866-436-9442 to find out how you can be protected. Receive a $20 rebate coupon when you enroll. Did you know that you won't lose a penny when 100 u use your Citi(R) Card online? With Citibank's Liability, you cart have peace of mind knowing that you won't be held responsible for any unauthorized charges on your account. Account Summary Previous (+) ure ases Payments (4) FINANCE -) New Balance Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 094.08 1417 69 0.00 77.00 $59.68 $3 076.76 TOTAL . $3,511.77 0.00 110.00 1 11.77 88.77 $8.05 $67.73 1413.97 $3,490.73 Da Thls BNlin Perlod 32 Rata Summary Balance Subiject to Finance Charge Periodic Rate om na ANNUAL PURCHASES APR PERCENTAGE 7 Standard Purch ADVANCES .... $3,108.57 ... .. ?., 0. .. 06000%(D) ............... 21.900% .._ ,....... 21.900% .,. .._.... 02/09/04 $3476.60 $76.00 SITE:KC-CL TM:C0-5000 ACID:KCB5076 P?"?4: 04/26/06 21:44:38: CITI CARDS PO SOX 163060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 For Customer Service, an or write Citi* Card 1-800-950-5114 Account Number To e" on" Wam wrap BOX 6500 5424 1801 5998 2740 °i""?RCe"0fi1 SIOUX FALLS, SD PAYMENT MUST nE RECEIVED nY 1:00 PM LOCAL TIME OR 02/09/2004 not presem Va.IW 57117 statement/closing Data Total Credit Lbro Available Credit Line Cash Advance Limit Available Cash Limit New Balance 01/15/2004 $3500 $23 $3500 $23 $3476.60 Amount Over Credit Line Past Due PurcNAdv M1nimYm Due Minimum Amount Due $0.00 + $0.00 + $76.00 = $76.00 Sala Data, Post Date Reference Number Acthny Sinn Last statement Amount 1/05 1 62344101 1/15 1/15 Payments, Credits E Adjustments PA NENT HANK YOU 0000 -77.00 70 0000 Standard Purch PURCHASES*FINANCE CHARGE*PERIODIC RATE 55.42 84 0000 0000000000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 7.45 84 0000 0000000000 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account nay be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you 0r.a bill paying service pays your bill, you must give a copy of this notice to them before the payment is sent to us. Protect your Citi Card account today and receive a $15 retail rebate coupon to help with your expenses. Call 1-866-647-9404 to find out how to sign up for optional protection. EXHIBIT 5 Account Summary Previous M Purchases (-) Payments t) PINANCE (_) New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 076.76 $413 97 0.00 1 $67.10 $55.42 $3 065.08 TOTAL . $3,490.73 0.00 0.00 $9.90 $77.00 $7.45 $62.87 1411.52 $3,476.60 Da This Billing Period: 30 Rate Summary Balance Subject t Finance Charae o Periodic Rake Nominal AMC ANNUAL Standard Purch $3,079.00 0.06000%(D) 21.900% 21.900% DVANCES Standard Adv $413.95 0.06000%(D) 21.900% 21.900% 03/09/04 $3478.05 $77.45 SITE:KC-CL TM:CO-5000 ACID:KCB5076 r::A 04/26/06 21:44:36: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi* Card For Customer Service, call or write 1-800-950-5114 Account Number Tar'P'?a '---E BOX 6500 5424 1801 5998 2740 isihle "'R SIOUX FALLS 5D PAYMENT 0057 RE RECEIVED NY 1:00 PM LOCAL TIME ON 03/09/2004 rates erO`e t' , 57117 Statement/Closing Date Total Credit Line Available Cr*0 Line Cash Advance Limit Available Cash Limit New Balance 02/13/2004 $3500 $21 $3500 $21 $3478.05 CrediI Ll. r Past Duo Purch/Adv Mlinimum Due Mlnimum Amount Due $0.00 + $0.00 + $77.45 = $77.45 Sale Date Post Data Reference Number Activlty Since Last stata-A .__..? PayNNtnts, Credits 5 Adjustments 2/02 44212062 PAYMENT THANK YOU 70 0000 • 0000 Standard Purch 2/13 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv 2/13 ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 When you pay your bill by check, you authorize us to electronically process your ppayment. If your check is processed electronfcally. your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your. bill, you must give a copy of this notice to them before the payment is sent to us. EXCESS COLLISION LOSS/DAMAGE WAIVER NOTIFICATION: As of 03/01/2004, your account will provide you with Excess Collision Loss/Damage insurance for car rentals. Please see insert for details or go to www.citi.com/us/cards/promos/cdw/mc.htm Did you know? Your Citi Card can provide shoppping convenience and account protection. Call 1-866-M -4428 to learn how to protect your account and receive a $15 rebate coupon when you enroll. -76.00 68.29 0000000000 9.16 0000000000 EXHIBIT ? Account Summary Previous (t Balance & urc axes (-) Payments Adv + FINANCE (?) New ances & Credits CHARGE Balance PURCHASES ADVANCES $3 065.08 $411 52 0.00 65.93 0 1 $68.29 $3 067.44 OTAL . $3,476.60 .00 10.07 0.00 176 00 1 9.16 $410.61 $ 7 . .45 $3,478.05 Days This Billing Period: 29 Rate Summary Balance u iec o Finance Char e Periodic Nominal ANNUAL PURCHASES g Rate APR PERCENTAGE RATE Standard Purch ADVANCES $3,070.82 0.07668%(D) 27.990% 27.990% Standard Adv $411.78 0.07668%(D) 27.990% 27.990% 04/08/04 $3483.76 $83.16 SITE:KC-CL TM:CO-5000 ACID:KC85076 ??N?': x oa ONMEW 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi"Card tl' Aeeount Number 5424 1801 5998 2740 Customer 5ervke: 1-900-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance BOX 6500 $3500 $16 $3500 $16 $3483.76 SIOUX FALLS, SO Statement/ Amount Over Closlnp Date raOlt Line Past Due x Purch/Adv MI mum Due Minimum Amount Due 57117 03/15/2004 0.00 + $0.00 + 83.16 = $83.16 Sale Dab Post Data Reference Number Act" Since Last Statement Amount 3/08 62023731 Payments Credits & Adjustments PAYMENT THANK YOU 70 0000 0000 -77,45 Standard Purch 3/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 73.34 84 0000 0000000000 Standard Adv 3/15 ADVANCES *FINANCE CHARGE•PERIODIC RATE 9,82 84 0000 0000000000 Want to receive your billing statement in Spanish? Prefiere recibir su estado de cuenta en espanol? Llamenos al 1-800-947-9100 Para elegir recibir su estado de cuenta y las cartas de Servicio al Cliente en el idioma espanol. Account Summary EXHIBIT '+ PURCHASES ADVANCES $3 067.44 1410.61 0.00 $68.29 0.00 9 16 $73.34 $3 072.49 $9 82 1 TOTAL 53,478.05 . 0.00 $7.45 . 411.27 $83.16 $3,483.76 Da s This Bolin Perlod: 31 Rate Summary a once bUbj*Ct to Finance Char e Periodic Nomina ANNUAL PURCHASES g Rate APR PERCENTAGE RATE Standard Purch ADVANCES $3,085.31 0.07668%(D) 27.990% 27.990% Standard Adv $413.00 0.07668%(D) 27.990% 27,990% 05/10/04 $3479.82 $80.06 SITE:KC-CL TM:CO-5000 ACID:KCB5076 t v r`xiA? 04/26/06 21.44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 o tie Card Citi Account Number 5424 1801 5998 2740 Customer Service: 1-800-950-5114 Total credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $20 $3500 $20 $3479.82 BOX 6500 SIOUX FALLS, SD Stateaxnti Closl Date Amount Over radtt Line Past Out Purch/Adv MI mum Due Minimum Amount Due 57117 04/14/2 04 0.00 + $0.00 + 80.06 = 180.06 Sab Date Post Date Rateraece Number Activity Sbrca Last Stabment Amount Payments Credits & Adjustments 3/31 43968300 PAYMENT (HANK YOU 70 0000 0000 Standard Purch 4/14 PURCHASES•FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv 4/14 ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 -84.00 70.61 0000000000 9.45 0000000000 EXHIBIT b Account Summary revlcus t Purchases (-) Payments t FINANCE (_) New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 072.49 $ 0.00 $74.18 $70.61 $3 068.92 411.27 0.00 $9.82 1 $9.45 141090 . TOTAL $3,483.76 0.00 $84.00 $80.06 $3,479 .82 Days This 81111n Period: 30 Rate Summary Balance Subject t o Periodic omina ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,069.61 0.07668%(D) 27.990% 27 990% ADVANCES . Standard Adv $410.94 0.07668%(D) 27.990% 27.990% 06/08/04 $3480.09 $80.33 SITE:KC-CL TM:CO-5000 ACID:KC85076 MIN.-M-0 W-111111,11. ?'. 11 SON ? 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi* Card C ti0 Account Number 5424 1801 5998 2740 Customer Service: 1-600-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $19 $3500 $19 $3480 09 80X 6500 SIOUX FALLS, SD Statement/ elosi Date 2 Amount Over redit Line Past Due Parch/Adv Minimum Due . Minimum A ou g+st Due 57117 05/14/ 04 0.00 + $0.00 + $80.33 = 180.33 Sob Date Post Deb Reference Number ActhAty Since Last Statement Amount 5/05 42229363 5/14 5/14 Payments, Credits & Adjustments 70 PAYMENT THANK YOU 0000 Standard Purch PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to your account as of that day, and payments must conform to the payment instructions set forth on the reverse side. All conforming payments received at the gayment processing facility after that time will e creditted as of the following bank business day. Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. Exciting news! Your rewards program is improving with new ways to earn and more choices when yyou redeem points. The name is also changing to ThankYou Redemptions Network at the end of June. Look for details and new terms and conditions in the mail. -80.06 70.84 0000000000 9.49 0000000000 EXHIBIT How will you pay your Citi Card bill eaa if something unexpected happens? Call us at 1-877-436-2678. We can help! Account Summery Previous Balance (+) Purchases - Payments Adv n (+) FINANCE -) ew CH a ces & Credits ARGE Balance PURCHASES ADVANCES $3 068.92 1410.90 0.00 $70.61 0 00 $9 45 1 _ $70.84 $3,069.15 TOTAL $3,479.82 . . 0.00 $80.06 $9.49 $410.94 $80.33 $3,480.09 Days This Billing Porlod: 30 Rate Summary Balance Subject T Finance Charge o eno is Rat Nominal ANNUAL PURCHASES e APR PERCENTAGE RATE Standard Purch ADVANCES $3,079.67 0.07668%(D) 27.990% 27,990% Standard Adv $412.34 0.07668%(D) 27.990% 27.990% OT/09/04 $3526.36 $112.97 SITE:KC-CL TM:CO-5000 ACID:KC85076 zY 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 tt0 CIV Card Account NWMW 5424 1801 5998 2740 Customer Servi : 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $0 $3500 $0 $3526.36 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOUX FALLS, SD Closing Data Credit Line Past Due MI mum Due mount Due 57117 06/15/2004 $26.36 + $0.00 + 86.61 = 112.97 Sale Date Post Data Reference Number Activity Slew Last Statement Amount 5/14 Payyments Credits 6 Adjustments 6/03 43778183 PAYMENT THANK YOU 70 0000 0000 Standard Purch 6/15 MEMBERSHIP FEE JUN 04-MAY 06 74 0000 5/15 NHVHTSVP PAYPAL *CORKCH 402 935 7733 CA 61 A9999US 1065 6/15 PURCHASES'FINANCE CHARGE•PERIODIC RATE 84 0000 Standard Adv 6/15 ADVANCES*FINANCE CHARGE•PERIODIC RATE 84 0000 Good News! Due to your recent payment performance on this account or any other account that you have with us, we are lowering your Annual Percentage Rate (APR). You will see the new APR on your next statement. This summer use your Citicard for hot deals and big discounts. Oor more details on great offers, visit citicards.com and sign-on or register at Account Online ("Secure Online Services ). -80.33 0.00 0000000000 39.99 78429504135 76.50 0000000000 10.11 0000000000 EXHIBIT 10 Accout Summary rev ous (?) Balance & Purchases Payments Advances & C dit (4-) FINANCE CHARGE (=) New re s Balance PURCHASES ADVANCES $3 069.15 0 9 1 $39.99 $70.84 76.50 $3,114.80 41 . 4 $0.00 $9.49 10.11 $411.56 TOTAL $3,480.09 $39.99 $80.33 86.61 $3,526.36 Da This BR11 Period 32 Rate Summary Balance Subiject to Finance Charge Periodic Rate Nomura APR T P ERCEN AGE RATE PURCHASES Standard Purch $3,117.47 0.07668%(D) 27.990% 27.990% ADVANCES Standard Adv $411.99 0.07668%(D) 27.990% 27.990% 08/09/04 $3474.00 $76.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 -?• ?. == > -:? 04/26/06 21:44:38: ??,,r,,?fi :. CITI CARDS PO BOX 183060 ROLAND R MORTE NSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® c ti* Card Citi Aoeeunt Number 5424 1801 5998 2740 Customer Servke: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit Now Balance $3500 $26 $3500 $26 $3474.00 BOX 6500 Statement/ AmounlOvor Prrch/Adv Minimum SIOUX FALLS, SD losing Date 4rtdlt Line Past Due 00 + $0 00 + 0 /15/2004 0 MI mum Due 76 00 A? oat but 00 = 57117 . . 7 1 . . Soft Data Post Data Reference Number Activity Since Last Statement Amount Payyluants, Credits Adjustments 7/05 43680254 HANK YOU YM -113.00 0000 OOOO 70 Standard Purch 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 53.54 84 0000 0000000000 Standard Adv 7/15 ADVANCES*FINANCE CHARGE*PERIODIC RATE 7.10 84 0000 0000000000 Please see the enclosed privacy notice for important information. Enjoy this month's special savings offer, available exclusively online! 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just For You" area. EXHIBIT I I Accont Summary Previous Balance M Purchases (- Payments & Advances & Credits (+) FINANCE (-) ew CHARGE Balance PURCHASES $3 114.80 0.00 $102.89 $53.54 $3 065.45 ADVANCES J411.56 0.00 410.11 1 57.10 $408.55 TOTAL $3.526.36 0.00 $113.00 $60.64 $3,474.00 Da Xs This Slnln Period: 30 Rate Summary Balance u )ec to erio is om na ANNUAL Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,103.08 0.05751%(D) 20.990% 20.990% ADVANCES 1Z+andard Adv $411.29 0.05751%(D) 20.990% 20.990% 09/09/04 $3462.16 $76.00 SITE:KC-CL tM:CO-5000 ACID:KCB5076 A W, ON N ri 04/26/06 21:44:38: >'vs> u 1? CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® t ? l Card Citi Aecotmt umber 5424 1801 5998 2740 Customer Services 1-800-950-5114 Total Credit Lim Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $37 $3500 $37 $3462.16 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOUX FALLS, SD Closing Date grefill Lim Past Due MI mum Due A unt Due #7 57117 08116/2004 10.00 + $0.00 + 76.00 = 6.00 Sale Date Post Data Reference Number Activity Since Last Statement Amount Pay vents, Credits si Adjustments 8/09 42031495 PAYMENT THANK YOU 70 000 000 4 7/17 7/17 FKOJL5WP 02 935 7733 CA PAYPAL **SUPERJEWELL 71 8999US 1065 Standard Purch 7/17 7/17 7KOJL5WP PAYPAL *SUPERJEWELL 402 935 7733 CA 61 A8999US 1065 8/16 PURCHASES*FINANCE CHARGEsPERIODIC RATE 84 0000 Standard Adv 8/16 ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! You have a special savings offer waiting for you! Check it out exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account Online. 3) View your offer in the "Just For You" area. -76.00 -15.00 78429504199 15.00 78429504199 56.62 0000000000 7.54 0000000000 F-EXHIBIT Account Summary Previous (t) Purchases (-) Payments +) FINANCE (= ew Balance & Advances & Credits CHARGE Balance PURCHASES $3 065.45 $15.00 80.83 $56.62 $3 056.24 ADVANCES #408.55 $0.00 10.17 1 $7.54 t405.92 TOTAL $3,474.00 $15.00 91.00 $64.16 $3,462.16 Days ThN Billing Period 32 Rate Summary Balance Subject to Periodic Nominal Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,076.44 0.05751%(D) 20.990% 20.990% A l S rt arty C+-P n 5409.67 0.05751%(D) 20.990% 20.990% 10/11/04 $3445.64 $76.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 04126/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi® Card Amount Number 5424 1801 5998 2740 Customer Service: 1- 800-950-5114 Total Credit Line Available Credit Line $3500 $54 BOX 6500 statement/ Amount Over SIOUX FALLS. SD Clasln9 Date 4redit Line 57117 09/15/2004 10.00 + 8/30 62512663 9/15 9/15 a tie Cash Advance Limit Available Cash Limit New balance $3500 $54 $3445.64 Parch/Adv Minimum Past Due Minimum Due As?cent Due $0.00 + $76.00 = ;76.00 Last Statement Payments, Credits 70 OOOO & Adjustments YMENT HANK YOU 0000 Standard Purch PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv ADVANCES*FINAHCE CHARGE*PERIODIC RATE 84 0000 IMPORTANT INFORMATION ABOUT CREDIT REPORTING: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTE6 IN YOUR CREDIT REPORT. Save when you use'your Citi Card! Find your special savings offer exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just for You" area. Is your account protected if something unexpected happens? Call us at 1-866-247-0360. We can help! 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Register now at www.citicards.com -76.00 52.52 0000000000 6.96 0000000000 EXHIBIT 13- ROLAND R MORTENSEN Sala Data Post We Reference Number AaW ty Since Lost Statement Amount Account Summary Previous (+) Purchases {-) Payments E- t) e; Balance Ad vances & Credits CHARGE Balance PURCHASES $3 056.24 0.00 $66.10 2.52 $ $3 042.66 ADVANCES #405.92 0.00 1 $9.90 1 6.96 402.98 TOTAL $3,462.16 0.00 $76.00 $ 9.48 $3,445.64 Days Thfs Billing Period: 30 Rate Summary Balance Subject to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE PURCHASES "-' Standard Purch $3,044.23 0. 05751%(D) 20.990% 20.990% ADVANCES 11/08/04 $3429.15 $75.00 SITE:KC-CL TM:CO-5000 ACID:KC85076 Affi ~ 04/Z6/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ` Ct ? i Citi Card AtcouM Number 5424 1801 5998 2740 Customer Service: 1-800-950-5114 Total Credit Line Avaitabie Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $70 $3500 $70 $3429.15 BOX 6500 SIOUX FALLS, SD statnnent/ Amount Over C19517 Date redit Line Past Due Perch/Adv Minimum MI qimum Due A unt Due £7 57117 10/15/04 0.00 + $0.00 + 175.00 = 5.00 Sob Oat* Post Data Reference Number Activity Show Last Statement Amount Payments, Credits I Adjustieants 10/06 42366765 PAYMENT THANK YOU -76.00 70 0000 0000 Standard Purch 10/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 52.56 84 0000 0000000000 Standard Adv 10/15 ADVANCES*FINANCE CHARGE*PERIODIC RATE 6.95 84 0000 0000000000 Introducing ThankYou Merchants(SM), a new benefit of ThankYou Redemptions Network(SM). Get 2 to 10 points per $1,spent at 200+ participating merchants. For more details on how to register, please log-in at www.thankyouredemptions.com Is your account protected it something unexpected happens? Call us at 1-866-393-0847. We can help! Save when you use your Citi Card! Find your special savings offer exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just for You" area. Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 1 to hear details today! EXHIBIT ?f Account Summary revious (t) Purchases (- Payments (+) FINANCE (• ew Balance &Adyances & Credits CHARGE Balance PURCHASES $3 042.66 .00 #65.74 $ 2.56 $3 029.48 ADVANCES $402.98 10.26 ISO .00 7 6.95 1399.67 TOTAL $3,445.64 3 .00 76.00 $59.51 $3,429.15 Days This Blllin Period: 30 Rate Summary Balance Subject to Periodic omina Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,046.20 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $402.93 0.05751%(D) 20.99076 20.990% 12/07/04 $3384.57 $74.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 ?? WE ??i ? 04/26/06 21:44:38: Off CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 e' tl Citi Card Amount Number 5424 1801 5998 2740 Customer Service: 1-600-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $115 $3500 $115 $3384.57 Box 6500 SIOUX FALLS, SD Statement/ Closing Data Amount Over Line W Past Due Parch/Adv MI mum Due Minimum Amount Due 57117 12/2004 0.00 + OO $0.00 + 74.00 = $74.00 sale Data Post Data Reference Number Activity Since Last Statement Amount Payments, Credits Adjustments 11/09 43901016 PAYMENT THANK YOU -100.00 70 0000 0000 Standard Purch 11/12 PURCHASES*FINANCE CHARGE*PERIODIC RATE 48.96 84 0000 0000000000 Standard Adv 11112 ADVANCES*FINAHCE CHARGE*PERIODIC RATE 6.46 84 0000 0000000000 Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-885-1229. You have a special savings offer waiting for you! Check it out exclusively online: 1)Visit www.citicards.com 2) Sign-on or Register at Account Online 3) view your offer in the "Just for You" area. Take #10 off Al's Family Farms Florida Citrus! Regq $33.955, Introductory Offer - $23.95 plus SSH. 20 Tb. Gift box of Navel Oranges, Grapefrui} or Mixed. Limit 2. Call 1-866-743-6277, Dept. 07X or visit www.ENJOYCITRUS.COM. Offer ends 1/15/05. Every day, families discover haw valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT 1 ROLAND R MORTENSEN Sak Data Post Date Rofweace Number Acthdty Sinn Last Sta"nnnt Amount Account Summary Previous (+ Purchases (-} Payments (+) FINANCE 9J New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 029.48 $399 0.00 $89.96 $48.96 $2 988.48 .67 0.00 1 $10.04 16.46 $396.09 TOTAL $3,429.15 0.00 $100.00 $55.42 $3,384.57 Days This Billing Period, 28 Rate Summary Balance Subject to Periodic omina -, ANNUAL Finance Charge Rate APR PER CENTAGE RATE PURCHASES Standard Purch $3,040.26 0. 05751%(D) 20.990% 20.990% ADVANCES 01/10/05 $3353.85 $74.00 SITE:KC-CL TM:C075000 ACID:KCB5076 05 r A xN _9 ? 04/26/66 21:44:36: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-192T000 e tl? Card Citl Account Number 5424 1801 5998 2740 Customer Servke: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $146 $3500 $146 $3353.85 BOX 6500 SIOUX FALLS, SD Statement/ Closl @nt/ 2 Amount Over radii Line Past Due Purch/Adv MI mum Due Minimum Am?noount Due 0 57117 12/15 / 04 0.00 + $0.00 + 74.00 = 4.00 Sob Date Post Date Raferenca Num ber ActfaltY Since Last Statement Amount Payalents. Credits i Adjustments 12/06 43698288 PAYMENT THANK YOU -95.00 70 0000 0000 Standard Purch 12/15 PURCHA5E5*FINANCE CHARGE*PERIODIC RATE 56.75 84 0000 0000000000 Standard Adv 12/15 ADVANCES*FINANCE CHARGE*PERIODIC RATE 7.53 84 0000 0000000000 If you have not received your new card, please call the Customer Service number on this statement. Good News! Due to your recent payment performance on this account or any other account that you have with us we are lowering your Annual Percentage Rate (APR). You will see the new APR an your next statement. HAPPY HOLIDAYS FROM ALL OF US AT CITI! We'd like to take a moment to thank you for being a Citi Card member and let you know that we appreciate your business. Warmest wishes for the upcoming year. Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-273-1386. Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT I?P- ROLAND R MORTENSEN We Date Pest Dab Reieroace Number Activity Slag Last statement Amount Account Summary Previous (+) Purchases (-) Payments (+ FINANCE (_) ew Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $2 988.48 139 0-00 84.83 _ $56.75 $2 960.40 6.09 1 0.00 10.17 $7.53 1393.45 TOTAL $3,384.57 0.00 95.00 $64.28 $3,353.85 Da s This Billing Period: 33 Rats Summary Balance Subject to Periodic omma Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,990.37 0. 05751%(D) 20.990% 20 990%, ADVANCES ?-- r,?.... , . , . .... ...., 02/08/05 $3311.74 $73.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 v rrir t_ ?3 04/26/06 21:44:38: A N -4 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citie' Card Account Number 5424 1801 5998 2740 Custaner Service: ,01*46 C tle 1-900-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $188 $3500 $188 $3311.74 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOux FALLS, 50 Closing Data redlt Line Past Due Mf mum Due Amount Due 57117 01/14/2005 0.00 + $0.00 + 73.00 = 273.00 sale onto post Date Reterance Number Activity Sims Last Statement Amount Payments. Credits 6 Adjustments 1107 42313617 70AYMENNT THANK YOU 0000 -100.00 0000 Purch/Adv Thru 12/15/2004 1114 PURCHASESeFINANCE CHARGE+PERIODIC RATE 57.89 84 0000 0000000000 Life Happens. Sul bills like this don't have to. When life-changing events interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-966-463-8060. Every day families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! Want to receive your billing statement in Spanish? Prefiere recibir su estado de cuenta en Espanol? Llamenos al 1-800-947-9100, o elija su idioma de preferencia en www.tarjetsciti.com, modificando su Perfil Personal en la seccion Administrar mi Cuenta. Fast Online Card Payments with Click-to-Pay Pay your Citi Card bill online anyytime day or night Payments received by 2pm,E5T wi"11 post that same business day! Sign-on to ctticards.com and choose the Make a Payment menu. FREE SERVICES FOR CITI CARDMEMBERS Manage your Citi Card account online securely, anytime - whether you want to check your balance, see if a payment was received or pay your bill. Register now at citicards.com EXHIBIT 11- ROLAND R MORTENSEN Sob Date Post Date Releraace Number AdWRy Slate Last Statement Amoupt Account Summary Previous Balance (+) Purchases (-) Payments Advances 6 Credits (+) FINANCE = Now CHARGE Balance PURCHASES $3,353.85 0.00 $100.00 $57.89 ;3,311.74 ADVANCES 0.00 1 0.00 j0.00 1 0.00 $0.00 1 TOTAL $3,3 3.85 0.00 $190.00 7.89 ;3,311.74 $ Days This Billing Perlod. 30 Rate Summary Balance Subjec t to ono is omen ANNUAL Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.04973%(D) 18.150% 18.150% Purch/Adv thru 12/15/2004 ;3,355.25 0.05751%(D) 20.490% 20.990% AnvAurrC 03/10/05 $3220.26 $72.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 r;???„,? ,.x•?-r ?;?_ 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS. OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Cit;` Card Accourk Number 5424 1801 5998 2740 Custoner Servke: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Avallable Cash Limit $3500 $279 $3500 $279 BOX 6500 Statement/ Amount Over Purch/Adv SIOUX FALLS, SO Closing Date 5 ,edit Line 00 + V0 Past Due $0 00 MI m Due 00 = + 172 57117 02/14/200 . . . Post Date ReterenceNur 2/03 1 42903295 2/14 Activity since Last Statement Pa teents, Credits & Adjustments PAYMENT YOU 0000 84 0000 % Purch/Adv Thru 12/15/2004 PURCHASES*FINANCE CHARGE*PERIOOIC RATE C tl0 New Balance $3220.26 Minimum Ar1?ent Due 1, 2.00 Amount -150.00 58.52 0000000000 Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. EXHIBIT C Account Summary Previous Balance +) Purchases Payments & Advances & Credits f FINANCE CHARGE (m) New Balance PURCHASES $3,311.74 0.00 $150.00 $58.52 $3,220.26 ADVANCES $0.00 0.00 0.00 1 1 $0.00 $0.00 TOTAL $3,311.74 0.00 $1 0.00 $58.52 $3,220.26 _Days This Billing Period 31 Rate Summary balance Subject t Finance Charge o Periodic Rate ornina ANNUAL APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.05041%(D) 18.400% 18.400% Purch/Adv thru 1211512004 $3,282.22 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $0.00 0.05614%(D) 20.490% 20.490% 04/08/05 ;3175.71 $71.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 v±ij _ Lx: 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 " C tea Card Citi Account Number 5424 1801 5998 2740 Customer Service: 1- 600-950-5114 Total Credit Line Available Credit Llne Cash Advance Limit Available Cash Limit New Balance $3500 $324 $3500 $324 $3175.71 BOX 6500 Statement/ Amounl0var Perch/Adv Minimum SIOUX FALLS. $D Closin Data raell Line Pest Due 2 Ire Mi mum Due Amount Due 57117 50.00 + $0.00 + 03/16/ 05 71.00 = $71.00 Sale Date Post Data Reference Number Activity Sing Lost Statement Amount Payments, Credits 5 Adjustments 3/07 62940023 PAYMENT THANK YOU -100.00 70 0000 0000 Purch/Adv Thru 12/15/2004 3/16 PURCHASES*FINANCE CHARGE*PERIOOIC RATE 55.45 84 0000 0000000000 Life happens: But bills like this don't have to. Safeguard this account with Credit Protector! It gives you some financial breathing room when life-changing events interrupt your income or stress your budget. To enroll, call 1-866-842-1732. R) ey Have more ree in your walle andmin your o work. Green Lawns stn art : 1-800-232-3990. your lawn ! ***** Great Savings for Our Cardmembers! ***** Termites are a risk for every home. Help protect your largest investment from termites. Terminix(R) Terslite Protection starts 6 1-B00-304-5414. COMPLIMENTARY TIRE CHANGE. Don't be stranded on the road with a flat! Call 800-762-4877-to request a wallet card for a tire change - at no Cost to you. Every day families discover how valuable Accidental Death insurance COULD have been: Call 1-800-824-1659 to hear details today! ***** Great Savings for Our Cardmembers! ***** Let TruGreen ChemLawn ut o t EXHIBIT 19 Account Summary Previous (+) Purchases (- Payments New" (+) FIRANCE z Balance & Advances & Credits CHARGE Balance PURCHASES $3,220.26 0.00 $100.00 $55.45 $3,1T5.71 ADVANCES $0.00 0.00 $0.00 1 0.00 $0.00 TOTAL $3,220.26 0.00 $100.00 $5.45 $3,175.71 Days This 81111 Porlott 30 Rate Summary Balance Subject Finance Char to Periodic e R t om na ANNUAL g a e APR PE RCENTAGE RATE PURCHASES Standard Purch $0.00 0.05041%(D) 18.400% 18.400% Purch/Adv thru 12/15/2004 $3,213.84 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $0.00 0.05614%(D) 20.490% 20.490% 05/09/05 $3290.61 $190.90 SITE:KC-CL TM:CO-5000 ACID:KC85076 j.•? 04/26/06 21:44:38: I W-1 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® C tie Card Citi Account Number 5424 1801 5998 2740 Customer Service: 1-800-950-5114 Total Credit Line Avallabie Credit Line Cash Advance Limit Available Cash Limit NOW balance $3500 $209 $3500 $209 $3290.61 BOX 6500 Statement/ Amount over Parch/Adv minimum SIOUX FALLS. SD Closing Data redit tine V vast Out Inimum Due mount Due 57117 04/14/2005 0.00 + $71.00 + 119.90 = 190.90 Sala Dab Post Date Reference Number Activity Since Last Statement Amount Standard Purch 4/14 LATE FEE - MAR PAYMENT PAST DUE 39.00 66 GOOD 0000000000 4/14 PURCHASES•FINANCE CHARGE*PERIODIC RATE 75.90 84 0000 0000000000 Your late fee was based on your account balance as of the payment due date (04108105), which was $3,175.71. The Annual Percentagqe Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us or any other creditor when due, you exceeded your credit line or you made a payment to us that was not honored by your bank. Every day families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT ?D Account Stnnmary Previous (+ Purchases - Payments + FINANCE = ew Balance & Advances & Credits CHARGE Balance PURCHASES $3,175.71 $39.00 0.00 $75.90 $3,290.61 ADVANCES $0.00 $0.00 0.00 1 s0.00 $0.00 TOTAL $3,175.71 $39.00 0.00 $75.90 $3,290.61 Da s This Billing Period: 29 Rate Summary Balance Subject to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08148%(D) 29.740% 29.740% Purch/Adv thru 1211512004 $3,212.20 0.08148%(D) 29.740% 29.740% ADVANCES Standard Adv $0.00 0.08148%(D) 29.740% 29.740% 06/OT/05 $3408.92 $314.21 SITE:KC-CL TM:CO-5000 ACID:KCB5076 {fi IRKSOME'. _ 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ` C t'. Card Citi Account Number 5424 1801 5998 2740 customer Sarvklin 1-800-388-2200 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limn New Defence $3500 $0 $3500 $0 $3408.92 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOUX FALLS, SD Ciasing Data edit Line Past Due nimum Due Amount Due 1 57117 05/13/2005 0.00 + $190.90 + 123 .31 = $314.21 Solo Date Post Date Reference Number Activity Since Last statement Amount Standard Purch 5/13 LATE FEE - APR PAYMENT PAST DUE 39.00 66 0000 0000000000 5/13 PURCHASES*FINANCE CHARGE*PERIODIC RATE .94 84 0000 0000000000 Purch/Adv Thru 12/15/2004 5/13 PURCHASES*FINANCE CHARGE*PERIODIC RATE 78.37 84 0000 0000000000 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to your account as of that day, and payments roust conform to the payment instructions set forth on the reverse side. All conforming payments received at the y ment.processing facility after that time will Ncredited as of the following bank business day. Your late fee was based on your account balance as of the payment due date (05/09/05), which was $3,290.61. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this payment, thank you. Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. EXHIBIT ? ROLAND R [MORTENSEN Sob Deb Post Date Reteramm Number Activity stace Laet Statement Aawuat Account Summary Previous Balance (+ Purchases & Advances Payments & Credits (4) FINANCE CHARGE (a) ew Balance PURCHASES $3,290.61 $39.00 0.00 579.31 $3,408.92 ADVANCES $0.00 $0.00 0.00 1 50.00 $0.00 TOTAL $3,290.61 $39.00 0.00 $79.31 $3,408.92 Da s This Billie Perlod: 29 Rate Surnmary Balance u )ec to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $39.45 0.08216%(D) 29.990% 29.990% Purch/Adv thru 12/15/2004 $3,289.29 0.08216%(D) 29.990% 29.990% ADVANCES 07/11/05 $3541.57 $493.43 SITE:KC-CL TM(:CO-5000 ACID:KCB5076 : N W 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi" Card Account Number 5424 1801 5998 2740 Customer Ser4kc 1-800-866-9900 SOX 6500 SIOUX FALLS, SO 57117 06 saw Data Post Date Reference c ti• Total Credit Line Available Credit line $3500 $0 statement/ Amount Over Closl?9 Data Credit Line /15/2705 $41.57 + Cash Advance Limit Available Cash Limit $3500 $0 PerckjAdv Past Out Inimum Due $314.21 + 13T.65 = New Want* $3541.57 Minimum Amount Due $493.43 slate Standard Purch 6/15 LATE FEE - MAY PAYMENT PAST DUE 66 0000 6/15 PURCHASES'FINANCE CHARGE•PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 6/15 PURCHASES•FINANCE CHARGE*PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (06/07/05), which was $3,408.92. Your account is now 3 MONTHS PAST DUE and Currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pe, or Saturday. 8 am to 5 pm, Central Time. 39.00 0000000000 2.17 0000000000 91.48 0000000000 EXHIBIT Previous {+) Purchases (-) Payments (+) FINANCE (=) New Account Summary Balance & Advances & Credits CHARGE Balance PURCHASES $3.408.92 $39.00 0.00 $93.65 $3,541.57 ADVANCES $0.00 0.00 0.00 1 0.00 4 $0.00 TOTAL $3,408.92 $39.00 0.00 3.65 $3,541.57 D& Z, This Boun Period: 33 Rata Summary Balance Subject to Periodic Nominal ANNUAL. Finance Charg e Rate APR PER CENTAGE RATE PURCHASES Standard Purch $79.99 0.08216%(D) 29.990% 29.990% Purch/Adv thru 12/15/2004 $3,374.13 0.08216%(D) 29.990% 29.990% ADVANCES t+=nrtarrt Ariv $0.00 0.08216%(D) 29.990% 29.990% 08/09/05 $3704.66 $3704.66 SITE:KC-CL TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 C ti0 CIV Card Account Number 5424 1801 5998 2740 Customer Servkr. 1-800-866-9900 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance' $3500 $0 $3500 $0 $3704.66 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOUX FALLS, SO Ciosl Data Credit Line Past Due f?Inimum Due 2 Amount Due 57117 07/15/ 05 $204.66 $451.86 :133.09 $3704.66 Sale Date Post Date Reference Number Activity Since Last Statement Amount Standard Purch 7/15 LATE FEE - JUN PAYMENT PAST DUE 39.00 66 0000 0000000000 7/15 OVER CREDIT LIMIT FEE 35.00 62 0000 0000000000 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 3.02 84 0000 0000000000 Purch/Adv Thru 12/15/2004 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 86.07 84 0000 0000000000 Your late fee was based on your account balance as of the payment due date (07/11/05), which was $3,541.57. Help is available! Please call the toll-free number shown above to learn about our special ppayment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 an to 5 pm, Central Time. Please give us the opportunity to assist you. 0112 EXHIBIT Account Summary Previous Balance (+) Purchases rk Advances (-) Payments & Credits (4) FINANCE CHARGE =} ew Balance PURCHASES $3,541.57 $74.00 0.00 $89.09 $3,704.66 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $3,541.57 $74.00 550.00 $89.09 $3,704.66 Da This 8101 Period: 30 Rate Summary a ante Subject to Finance Charge Periodic Rate omina APR PERCENANNUAL TAGE RATE PURCHASES Standard Purch Purch/Adv thru 12/15/2004 ADVANCES $121.56 $3,462.88 0.08285%(D) 0.08285%(D) 30.240% 30.240% 30.240% 30.240% Standard Adv $0.00 0.08285%(D) 30.240% 30.240% 09/09/05 $3875.80 $3875.80 SITE:KC-CL TM:CO-5000 ACID:KCB5076 . ME NNIN, 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 a C ti? Card Citi AoCOUnt Number 5424 1801 5998 2740 Customer Servlcv 1-800-568-5000 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New violence $3500 $0 $3500 $0 $3875.80 BOX 6500 SIOUX FALLS, SO Statement/ Closing Date Amount Over Credit Line Pest OuO POrch/Adv b?lnimum Oue Minimum Amount Duo 57117 08/15/2005 $375.80 5584.95 1141.14 $3875.80 Sale Date Post Data Reference Number Activity Simm Last Statement Amount Standard Purch 8/15 LATE FEE - JUL PAYMENT PAST DUE 66 0000 8/15 OVER CREDIT LIMIT FEE 62 0000 8/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 8/15 PURCHASES*FINANCE CHARGE"PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (08/09/05), which was $3,704.66. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday,.7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. 39.00 0000000000 35.00 0000000000 5.17 0000000000 91.97 0000000000 EXHIBIT Account Summary Previous (t) Purchases (- Payments (+) FINANCE (. New Balance & Advances & Credits CHARGE Balance PURCHASES $3,704.66 $74.00 0.00 $97.14 $3,875.80 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $3,704.66 $74.00 $0.00 $97.14 $3,875.80 Days This Billing Period: 31 Rate Summary Balance Subject to Periodic Nominit ANNUAL Finance Charg e Rate APR PERC EN TAGE RATE PURCHASES Standard Purch Purch/Adv $199.62 0.08353%(D) 30.490% 30.490% thru 12/15/2004 $3,551.83 0.08353%(D) 30.490% 30.490% ADVANCES Standard Adv $0.00 0.08353%(D) 30.490% 30.490% 10/10/05 $4051.42 $4051.42 SITE:KC-CL TM:CO-5000 ACID:KC85076 00 ?: 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citio Card C ti? Account Number 5424 1801 5998 2740 Customer Servkc 1-800-756-4000 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $0 $3500 $0 $4051 42 BOX 6500 SIOUX FALLS. SD Statement/ Closi Data Amount Over Credit Line Past Due Purch/Adv Inimwn Due . Minimum Amount Out 57117 095/2 05 $551.42 $726.09 145.62 $4051.42 Sale Date Post Date Refereme Number Activity Slat. Let statement Amount Standard Purch 9/15 LATE FEE - AUG PAYMENT PAST DUE 66 0000 9/15 OVER CREDIT LIMIT FEE 62 0000 9/15 PURCHASES'FINANCE CHARGE*PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 9/15 PURCHASES•FINANCE CHARGE'PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (09/09/05), which was $3,875.80. 39.00 0000000000 35.00 0000000000 7.24 0000000000 94.38 0000000000 Help is available! Please call the to)l-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. EXHIBIT Account Summary Previous (t) Purchases - Payments +) FINANCE =) New Balance & Advances & Cred)ts CHARGE Balance PURCHASES ADVANCES $3,875.80 $0 00 $74.00 0.00 0 $101.62 $4,051.42 TOTAL . $3,875.80 $74. 0 0.00 $101.62 $4,051.42 Days This Billing Period: 31 Rate Summary Bs ante Subject to Finance Charge erio is R te Nominal ANNUAL PURCHASES a APR PER CENTAGE RATE Standard Purch Purch/Adv $279.79 0.08353%(D) 30.490% 30.490% thru 12/15/2004 ADVANCES $3,644.97 0.08353%(D) 30.490% 30.490% Standard Adv $0.00 0.08353%(0) 30.490% 30.490% 10/06/03 $4498.11 $833.02 SITE:KC-CL 703/30/060 ACID:01927917: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Charter Rebates Account Humber 5424 1805 5123 1985 PAYMENT MraT RE RECEIVED IV L:00 'M LOCAL TIME OR ,10/of/too! stah"ManuCMalme pat. Tow ceaae LLr Avelaht Cndl Lim 09110/2003 $4000 $0 141 + For eustow sw**, ed or welt 1-800-967-8500 r.r w•••• SOX 6500 ?1ie"•"'°r'?'a SIOUX FALLS, SD 57117 CaahAdvaet' LM AwaltWCash WMt Now NOW= $1200 $0 $4498.11 pwt Duo Ad Mlafe?iaan pun MMMnum Amount On $236.91 + $98.00 = $833.02 Standard Pura: 9/10 LATE FEOEO- AVG PAYMENT PAST DUE " 00 9/10 OVER CREDIT LIMIT FEE 9/10 84RCHASSESOFINANCE CHARGE•PERIODIC RATE 0000 Purch/Adv Thru 09/10/2001 9/10 PURCHASESOFINANCE CHARGEOPERIODIC RATE 84 0000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL last Month's Balance 64.04 Earned this Month 0.00 Redeemed [Expired 0.00 Current eM ance 64.04 Your account is past due and your balance is over the credit line. To ensure you continue to receive the many benefits of Y4ur cardeembership, please send the 1linioum Amount Due shown. If you have already sent us this payment, thank you. .00 00000000005 29.00 00000000009.04 0000000000 73.10 0000000000 EXHIBIT a? Accwatt Summary rev + Balance S Purchases -ayms Advances A Credits U+) FINIME CHARGE M ew Balance PURCHASES 54.341.97 =¢4.00 50.00 $92.14 $4,498.11 TOTALCES $4,341.97 $64 00 50 00 $92.14 $4,498 11 Da This t3RMn Perkd: 30 Rate Summary Balance Subject Flnence Charge Periodic Rate om a APR P ANNUAL AL ERCENTAGE R!ATE_ PURCHASES Standard Purch ;827.54 0.07668%(D) 27.990% 27.990% Purch/Adv thru 09/10/2001 $3,558.80 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv $0.00 0.07668%(D) 27.990% 27.990% 11/04/03 $4338.25 $448.30 SITE:KC-CL T03/30/060 ACID:OKC827917. 11111 k -1 &VAN= CITI CARDS P.O. Box 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Charter Rebates Aeeou? NambAr 5424 1805 5123 1985 PAYMENT MST It RECEIVED 1Y 1:00 ?e LOCAL TIME On 11/04/2003 Sytwwt/Cbd" ode Told Cr4da Use Awe0610 Cram Une 10/10/2003 $4000 $0 $3 38.25 + 9/1T f 43672235 10/10 10110 10/10 10/10 ror Cuftmw $or**. =1 or w0to 1-000-967.8500 A t% wt M @ n?.a ww Box 6500 ra4o.++??+ = SIOUX FAL SD LS ""'M" "'! ipor 57117 , c=hAd.wcs LWA AW86" CnhUNA New awoe. $1200' $0 $4338.25 PwA Due , f. MW mAmwiM Din $14.91 + $95.14 = $448.30 PaV=n1sfHCCrr*dTts i Adiustmonts 70 0000 0000 Standard Purch LATE FEE - SEP PAYMENT PAST DUE 66 0000 OVER CREDIT LIMIT FEE 62 0000 84RCHASES'FINANCE CHARGE*PERIODIC RATE Purch/Adv T'hru 09/10/2001 PBURCMAS?ES-FINANCE CHARGE*PERIODIC RATE * CITI DRIVER'S EDGE CHARTER MEMBER REBATES .TOTAL Last Month's Balance 64.04 Earned t is Month 0.00 Redeemed Expire4 0.00 Current glance 64.04 Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 59.46 rebates will expire on DECEMBER 31, 2003 Your account is past due and your balance is over the credit line. To ensure you continue to receive the wavy benefits of our card member ship, please send the Minimum Amount Due shown. If you have already sent us this payment, thank you. Use your Citibank credit card to rent a car from Hertz and-enjoyy q?eat savings in the U.S. and around the worldl all 1-000-664-22.O and mention your Citibank Mertz COP-number 160005. -320.00 35.00 0000000000 35.00 0000000000 19.64 0000000000 70.50 0000000000 EXHIBIT aT' ROLAND R MORTENSEN SeM o.te rmt "a ae[e«ee00 auelMr aoR f a.o. Last saael.at }1001"' Account Summary relnous t Balance A Purchases Payments dUnces & Credits (4) RNANCE CHARGE a) ew 0slance PURCHASES $4,49B.11 . 00 :0.00 MO $90.14 $ $4,335.25 TOTIAINCCES $4,498.1?1 . S O.OO =320.00 90 14 :4,338 25 Days Tt" awe Period: 30 Rate Smmary e Subjed to Finence Charge er c Rate Nominal APR PER ANNUAL CENTAGE ATE 0.07660%(D) 27.990% 0.06847%(D) 24.990% n n7aanYrM 77.990% 27.990% 24.990% 27.990% fird Purch 5853.81 109/10/2001 :3.432.25 rud :ES 12/04/03 $4266-99 :365.73 SITE:KC-CL T0:CO-6360 ACID:KCB9290 S:. WIM 8 CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 648 WOODLAND OT606-8106 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card Charter Rebates Account Number 5424 1805 5123 1985 PAITMEMT MIST Of atcttwEa aY 1:00 PM LOCAL TIME OM 12/04/2003 SbWese/a0s"q PA. TOW Croft Lim AYOIoWO Croda LIN 11/10/2003 $4000 $0 r" $266.99 + fa cudoom conks. a1 or wM9 1-800-967-8500 -r"ws-wow,. ft BOX 6500 ?er.arr."wdo"901 SIOUX FALLS, SD 57117 Cash Adana Umn AY"NwWw Cmh Llmt Nwr B"tanoo $1200 $0 $4266.99 Rd DW q?,?/ Mlnlawre?ouw Mldnum Anoud ouw $0.00 + $98.74 = $365.73 _ Par Hants Credits I Adiustawnts AMK YOU ATMENN 10/30 44472630 ?O 0000 0000 Standard Pureh 11/10 OVER CREDIT LIMIT FEE 11/10 62 0000 PURCHASES-FINANCE CHAR6E•PERIODIC RATE 0000 Porch/Adv Thro 09/10/2001 11/10 RCHA FINANCE CNARGE"PERIODIC RATE 8 4 0000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's balance 64.04 Earned this Month 0.00 Redee:al ExpI red 60.04 Current alance Your account balance is over the credit line. Please pay the Minimal Mtount Due shown before using your card again. If you have already sent us this payment, hank you. Our records show home phone 717-496-3997 and business phone 254-287-0724. Please update above coupon if incorrect. -200.00 00000000005.00 21.77 0000000000 71.97 0000000000 Your Citi MasterCard could turn your holiday shop- ng stupendous: When was the last into somethi in e? q pp }ime you enoyed vacation filled with laught4r and a i ends or family? 11/1 through 12/31/2003. fun with fr con postercard i it htt //www il t ((())) EXHIBIT . s ps: . s v a For de Account Summary revibtm re asea . Payments + FINZINCE Balance & Advances & CrerJb CHARGE • New Balance PURCHASES $4.3 .25 ; 5.00 $200.00 $ 3.74 g 00 50.00 00 00 0 $4.266.99 $0.00 ADVANCES TOTAL . i . A: $4.3 8.25 ;3335100 $00 ;9993.74 $4,266.99 De TMs Ban Period: 31 Rate summary ¦ ante Subject to er Ic Nominal Finance Charge Rate APR P ANNUAL ERCENT- GIBE RATE PURCHASES Stand rd Purch $915.68 O.OT668%(O) 27.990% 27.990% PurctlAdv tru 09/10/2001 $3.390.85 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv ;0.00 0.07668%(D) 27.990% 27.990% 01/05/04 $4427.19 $621.25 SITE:KC-CL TM:CO-6300 ACID:KC89290 e 03/30/06 01:27:17: IMMMM CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 648 WOODLAND 07606-8106 MT HOLLY SPOS PA 17065-1927000 Citim Driver's Edge0 Card Charter Rebates Account Number 5424 1805 5123 1985 pAMNT mOsT at RECEIVED NY 1.00 PN LOCAL TINE Oa 01105/2004 PAt*fW*jci0d" age ToW Cmdl Lkw AVWb*k Cradle Lhw 12/10/2003 $4000 $0 r27. "i9 + For CUAWW waits, 041 er WKS 1-800-967-8500 T..•.•?w?,.s.sa,a. BOx 6500 SIOUx FALLS, SD Cash AdvaWs UWAt Aral" Cash Link New aakae. $1200 $0 $4427.19 Pat Dm MDd n:Due MW MM AMMM Dw $98.06 + $96.00 = $621.25 Pa?t Rants, Cradits A Ad ustaiints ND 800-558-5854 H1NARSE7TLEMENT 12/01 88888888 99 72 0000 4 Parch Sta 12/10 t% LATE FEE - NOV PAYMENT PAST DUE C D 12/10 IT LIMIT FEE OVER R RCN?oFINANCE CHARGE«PERIODIC RATE 6 Pt2 12/10 1 8 4 Pureh/Adv Thru 09/10/2001 12/10 BURCH?eFINANCE CHARGE«PERIODIC RATE • CITi DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 64.04 Earned this Month 0.00 Redeemed/Expired 64.03 Current Balance This statasent includes a credit for your portion of the setllement in the Schwartz lawsuit. Your account is past due and your balance is over th4 credit line. To ensure you continue to receive the many benefits of your cardRembership, please send the Minimwn Amount Due shown. If you have already sent us this payment, thank you. Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. -.68 35.00 0000000000 35.00 0000000000 21.84 0000000000 69.04 0000000000 EXHIBIT a9 ROLAND R MORTENSEN Sob Deb Pat Dete Retereaw number A Aksy sbo tat- stebernt ANNW Accotnt Summary av °us t Ba e & ur ases Advents -) sym i Credits (+) FINANCE CHARGE ¦ Now' Balance PURCHASES _ 84.266.99 170.00 0.68 :p0.38 $4.4,27.19 ADVANCES 50.00 X0.00 1 0.00 ¢0.00 $0.00 TOTAL $4,266.99 170.00 0.68 190.88 $4,427.19 This 8NN Period: 30 Rata Summary Balance e to Finance Charge Ki a Rate anne APR P ANNUAL ERCf.NTAGE RATE 'stand rd Purch $949.46 0.07668%(D) 27.990% 27.490% PurthlAdv thru 09110/2001 $3,361.07 0.06847%(D) 24.990% 24.990% ADVANCES oona. 77.9904 680.85 SITE:KC-CL TM:CO-6300 ACID:KCB9290 02/03/04 :4489.49 $03/30/06 01:2T:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citr Driver's Edge0 Card Charter Rebates Account Number 5424 1805 5123 1985 PATKAT eaST of etCEIVTO BY 1:00 PM LOCAL TIZE 011 02/02/2004 ;hbunent/cioanq Data Total Caen DO AvaMb Crave Lho 01/09/2004 $4000 0 Amount $489.49 + 12/11 43034549 1/09 1/09 1/09 1/09 For Cwdoerr Suvke, ear ar -ft 1-800-967-8500 w r %-W •-?. - W Box 6500 ae+a+ae'"?"a'n SIOUX FALLS. SD "apWw"Vo-WAL 57111 Cash Advance LWA Avabide Cash Lima new Monce 49 $0 $4469 11200 . Put Due M eat t". Minimum An.-M OW 594.06 + $97.30 = $680.85 Pa Mats Credits A Adjustments TO 0000 A T AUK YOU 0000 P Standard Parch ATE FE? DEC PAYMENT PAST DUE OVER CREDIT LIMIT FEE 62 0000 84RCHAS00pQ FINANCE CNARGE'PERIODIC RATE Purer/Adv Thra 09/10/2001 8 RC o?? FINANCE CHARGE•PERIODIC RATE CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 64.03 Earned t is Month 5.00 Redeemed Expired 4.57 Current alance Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 59.46 rebates expired on DECEMBER 31 2003 1.48 rebates will expire on DECEMBEh 31. 2004 Your account is p? st due and your balance is over the credit ]inv. To ensure you continue to receive the many benefits of our shoim Ifsyou'have please alre already sent us inum, Amount Out s payment. thank you. -100.00 35.00 0000000000 00000000005.00 00000000020 .38 68.92 0000000000 EXHIBIT 3" Aocewvt SUn01-Y revlou0 4 Balance it A C ee dvances payments A Credits CHARGE = eW Baiance PURCHASES $4.411-19 00 ia 3 0.00 0 00 , $100.00 $0.00 $ 2.30 0.00 $4,89.49 0.00 ADVANCES TOTAL . $4,427.19 .. 0.00 : $100.00 = 2.30 $4.489.49 De TWA OWN Perbd 30 '$a ee echo Periodic Nerninal ANNUAL Rate Summary Finance Charge Rate APR PER CENTAOE RATE Purch $1,016.27 0.07668%(0) 27.990% 27.990% 9/10/2001 $3,355.36 0.06847%(D) 24.990% 24.990% Adv $0.00 0.07668%(D) 27.990% 27.990% 03/03/04 $4658.62 $954.11 SITE:KC-CL 703/30/060 ACID:01927917: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065.1927000 Citr Driver's Edge' Card Charter Rebates AC-01 Nuil"r 5424 1805 5123 1985 PAYMENT MST RE RECEIVED 11 1300 W LOCAL 1101 ON 02/02/2004 SgA Gtasl pq Oab Tabs CrWR Lim AvalAin cmdR Lim 02/09/2004 $4000 $0 $6Aa5e`62r • For Curbvmm swwm al or W3ita 1-800-967-8500 7b,:+??ft BOX 6500 7be"i°°'m SIOUX FALLS, SO adrrar?valr?M/aa 57117 Cm h AdVWWS Lsait AV~16 Cash LMR NOW RaNao? $1200 $0 $4658.62 PetDW Mtn dev. WkNimAnowdD" 1191.36 + $104.13 = ;954.11 Standard Parch 2/09 - JAN PAYMENT PAST DUE TE E L O 000 A 2/09 VER CREDIT LIMIT FEE O O 2/09 RCN SEEQ•FINANCE CHARGE•PERIODIC RATE 84 000 Pureb/Adv Thru 09/10/2001 2/09 OFINANCE CHARGE•PERIODIC RATE RCHA 8 SEES O 4 O 35.00 0000000000 35.00 0000000000 00000000006.41 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account way be debited on the sass: day we receive the check and it will not be returned with your checking account tatement. It someone other than you ora bill paying service pays your bill, you must give a enty of this notice to thew before the payment is se to us. ' CITI DRIVER'S EDGE CHARTER MEMBER'REBATES *TOTAL Last Month's Balance 4.57 Earned this Month 0.00 Redeemed Expired 0.00 Current alance 4.57 02.72 000000000 Your account s past due and your balance is over the credit time. To ensure you continue to receive the want' benefits of your eardaNemberahip, please send the Minima Amount Due EXHIBIT 3 shown. If you have already sent us this payment. thank you. Accoist 9ummwy Previous + Balance 6 Purchases Advances - oym a & Credits U41 FINANCE CHARGE ew = Balance PURCHASES $4.4Q9.49 $70.00 $0.00 $99.13 $4.656.62 ADVANCES 10.00 0.00 $0.00 $0.00 99 $0.00 658 TOTAL $4.44488E9.49 $70.00 $0.00 .13 $ .62 $4, Da s This BDNe Period: 31 Rate Swunwry Balance e to Finance Charge Periodic Rate a omin APR PE ANNUAL RCENTAGE RATE Standard P u r c h $1,111.13 0.07668%(D) 27.940% 27.990% Purch Adv thru 09/10/2001 $3,426.15 0.06847%(D) 24.990% 24.990% DVANCE5 Standard Adv $0.00 0.07668%(D) 27.990% 27.990% 04/02/04 $3834.49 $99.98 SITE:KC-CL TM:CO.6300 ACID:KC89290 --- -------- - - s....a...aKa? 03/30/06 01:2T:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA IT065-1927000 Citi` Driver's Edge' Card /?\0 Citl agde r Rebates 5424 11305 5123 1985 Gamer Swvke: Total credit Line i-800-967-8500 $4000 Atrallable cr.ds LIa. eaN Aeraea was $165 $1200 Arallaala ash Lim It $165 Now galanee $3834.49 x BOX stat.M"V c SIOUX FALLS, SD Oata ad2 AniwI U110 Or r 4n4 U110 00 + 0 pnt t" 00 10 MI l Due + 199.98 = Aro Dui ;99.98 04 / STUT 03/09 . 1 . saY oats peat Dw aadnace *WA W Aethlty siaoe tast 5960NW t ?101"t 3/06 61726265 3/09 3/09 3/09 -954.11 35.00 0000000000 '73 0000000000 68.25 0000000000 EXHIBIT -3d\ w us + ure ases - aym s (+1 FINA14CE = ew Account 9tarenary balance Advances 8 Credits CHARGE Balance PURCHASES 8.¢2 $4. 35.00 $954.11 # $94.96 $3,834.49 1 TOTALCES 6 #4.6 6.62 1 #360 $9 4.11 #94.98 34 49 #3 ,8 oa This BA Perk: 29 Rate Summary Balance Subject Finance Charge er c Rate tn a APR P ANNUAL ERCENTAGE RATE PURCHASES Standaag?rd Purch 11.201.95 0.07668%(D) 27.990% 27.990% Purch/Adv thru 09/10/2001 #3.437.17 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv $0-00 0.07668%(D) 27.990% 27.990% Pa grants Credits A Adjustmats PAYMENT TO 00000 ?AN1I YOU 0000 Standard Parch LATE FEE - FEB PAYMENT PAST DUE PPURCHAS0000ES•FINANCE CHARGE*PERIODIC RATE 84 -0000 Purch/Adv Thru-09/10/2001 PURCHSESOeFINANCE CHARGE•PERIODIC RATE a CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 4.5T Earned this Month 0.01 Redeemed/Expired 0.00 Current Balance 4.58 05/03/04 $4049.38 $139.02 SITE:KC-CL TM:CO-6300 ACID:KC89290 L..M.....,.,.m..?. 03/30/06 01:27:17: CITI CARDS P.0- BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citr Driver's Edge' Card der Rebates 5424 1805 5123 1985 1-800-967-8500 fetal CroM Une 0014 w C1e41ItLYw 400 so BOX 6500 $ sAt0 Aiaow t Ovw SIOUX FALLS, SO clad bate CroW Line ..... eA/ee/2wg04 349.38 + 3/31 42009029 3/17 3/17 +Y7TPJWP 3/17 3/17 OPf40xVP 3/17 3/17 JYTTPJNP 4/03 4/03 314HSIWP 4/08 4/08 Cash AOVawce Lkalt M+Nabit Cash L" $1200 SO ct Dw w MM Dee .00 + 189.64 'Opme ati Now 60mce $4049.38 minim m M wit pre 139.02 PAYMENTsfHAMx YOU i Adjustments TO 0000 0000 ERBUMMEL 52 935 7733 CA 104 ENOTIME 302 935 7733 CA 106 IVIDUALB 502 935 7733 CA 1 t1EISBACK 6 02 935 7733 USA 106 INANCE CHARGE•PERIODIC RATE Purcit/Adv Thru 09/10/2001 PURCHASES•r1NANCE CHARGE+PERIODIC RATE 84 0000 " CITI DRIVER'S EDGE CHARTER MEMBER REBATES 'TOTS Last month's Balance 4.61 Earned tlt s month Redeesied xpi red 9: 00 Current lance Citi Driver's Edge Charter member rebates expire 3 years after they are earned. Expired rebates your rebate account. will be deducted from 1.48 rebates wilt expire on DECEMBER 31, 2004 EXHIBIT 3,? Account Sulwnary Previous Bolan" + c es & A anew - symin a & Credits (4) FINANCE CHARGE ew BeLance PURCHASES $3.8 4.49 0 00 $2 0.25 00 0 5100.00 $0 00 $84.64 $0.00 $4.049.38 $0.00 ADVANCES TOTAL . ;3.84.49 . $2 0.25 . $100.00 $84.64 $4,049.38 Rote Summary Purch $1,297.44 0.07668%(D) 27.990% 27.990% 09/10/2001 $2,667.44 0.06847%(D) 24.990% 24.990% Adv $0.00 0.07668%(D) 27.990% 27.990% -100.00 19.75 T842950407T 39' 7642950407T 70.51 78429504077 100.00 78429504094 000000000209.85 54.79 0000000000 06/02/04 $4038.21 $136.06 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:1T: A CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND OT606-8106 MT HOLLY SPGS PA 17065-1927000 Citi° Driver's Edge` Card h rtter Rebates Polow 5424 1805 5123 1985 Ct,stomer Servke: 1-800-967-8500 Total Cndlt ua. AvaBabk Credlt Uas $4000 s0 !OX 6500 statamew Amovat over SIOUX FALLS, SO CI oats credr Line r7t'l7 05/1072004 $38.21 + 5/05 1 42230425 5/10 5/10 5/10 5/10 CIT, 0 cash Aeowe Uralt Avaaalle Cash LAait Now Balance s12OO $0 ;4038.21 ;t Due M .00 + PAVUENTsTHANK YOOU S Adjrslweats 70 0000 0000 Standard Parch MEMBERSHIP FEE MAY 04-APR 05 T4 0000 LATE FEE - APR PAYMENT PAST DUE 6d 0000 PURCHASES*FINANCE CHARGE'PERIODIC RATE 84 0000 Prreh/Adv Thru 09/10/2001 PURCHASES•FINANCE CHARGEePERIODIC RATE 84 0000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 9.19 Earned this Month 0.00 Redeemed[Expired 0.00 Current eBalance 9.19 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the pay went processing facility that handles your payments, in order to bef credited to your account as of that day, and payments must conrDrm to the payment instructions set forth on the reverse side. All conforming pe ments received at the gayment processing facility after that time will e credited as of the following bank business day. Our records show home phone 717-486-3997 and business phone 254-287-0724. Please update coupon if incorrect. Notice of Change in Driver's Edge Rebate Program Terns. You will have 90 days from your vehicle ppurchase or lease date to complete and return the Vehicle Redemption Form. Notice of Change in Driver's Edge Rebate Program Terms. We may change Program rules, restrictions or benefits, in whole or in part, with 30 days prior written notice. We may also terminate the Program or portions thereof with 30 days prior written notice. $136.06 Amount -139.02 0000000000 '00 000000000305.00 34.66 0000000000 58.19 0000000000 EXHIBIT-A3 ROLAND R MORTEN5EN s.l. ?rw* Des adaroam wiwM« AdWv Slece Last stdsleeet Now wi)l you pay pyeocur Citi Card bill if 8T7m36i q 2678ne; candhhappens7 Call us at Account Smmary rev ous ; Balance urc asp Advances Payments & Credits i FINANCE CHARGE a New _ Balance PURCHASES $4.049.38 $35.00 $1 9.02 1 $p2.85 0 00 $4.038.21 00 $0 ADVANCES $0.00 0.00 5 0.00 . 1 . TOTAL $4.049.38 510 $139.02 $92.85 $4,038.21 Days This 811iPerfat 32 Rate Summary 8a lance Subject to Finance Charge Periodic Rate Nominal APR ff ANNUAL RCgffME RATE Standard Purch $1,412.61 0.07668%(D) 27.990% 27.990% Punch/Adv thru 09/10/2001 :2,655.73 0.06847%(D) 24.990% 24.990% •m..urec 07/05/04 $3982.06 $88.85 SITE:KC-CL 703/30/060 CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 1TO65-192T000 ACID:KCB9290 01:27:17: ' atl ' Card Citi Driver's Edge Chtr er Rebates 5424 1605 5123 1985 OgmpfrTotal Credit Lisa AvalgoN CraeR Llne Cash Adraw<+s L1mlt $17 $1200 AwltaMe Wan LhnS $17 Now Balance $3982.06 $4000 BOX 6500 statan" SIOUX FALLS, SO ai Date Ovar Ame.et ndh We rest Doe 00 Hi mm Due u 85 = 0 88 Ar?n Bw 188.85 8 2 06/0 04 0.00 + s0. . 57117 Aawlalt e-,. n.r. ewat nob ude?eace Ember n2m Owe Lest SLONE* t ? 6/03 43778181 6/08 6/08 imenTsflICredits 6 AdiustBMnts 70 0000 0000 standard Purch PURCHASES*FIMANCE CHARGE•PERIODIC RATE 84 0000 Purch/Adv Thru O4/10/2001 •FINANCE CHARGE•PERIODIC RATE RCHA SES 84 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance Earned this Month Redeemed/Expired ?:? Current Balance 9.19 -140.00 32.14 0000000000 51.71 0000000000 EXHIBIT 35 Accost Summary IM MOSS _ (+) A Furcham dvances & Crrodlts s ffyRNANCE CHARGE (m) now Balance PURCHASES $4.0 B_21 00 0 0.00 $140.00 00 $0.00 0 $83.85 $3.92.06 0.00 ADVANCES TOTAL . $4,038.21 . 0.00 $140.00 =83.85 it ;3,982.06 Da Thh BIIa Period: 29 a ante SuNact to ar is omma ANNUAL Rate Sutnnnary Finance Charge Rate APR P ERCENTAGE RATE PURCHASES Standaqrd Purch $1,445.52 0.07668%(D) 27.990% 27.990% Purthrud09/10/2001 $2,604.30 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv $0.00 0107668%(D) 27.990% 27.990% 08/03/04 $4018.18 $113.15 SITE:KC-CL Mom OWN= CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi' Drivers Edge' Card C h,e r Rebates ANON* 11 5424 1805 5123 1985 cullboatef fervim 1-S00-967-x500 Total endit Una AwaabM cram; 24000 o Lbw s0 BOX 6500 Statement/ Aeleanl0wr SIOUX FALLS, SO CNai Data 4 2 Cr•sM Llea 18 + #18 0 r.77l7 07/09/ . 7/05 43680256 7/09 7/09 7/09 TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: C 1.1 • New Bataace $4018.18 9000 MI DYa www•wc - .85 + 94.12 = :113.1 P'TMME11TsfNANKdYOU at Aeluscalsn,<s 70 0000 0000 Standard Purch LATE FEE - JUN PAYMENT PAST DUE 66 0000 PURCHASES•FIKANCE CHARGE•PERIODIC RATE 84 0000 Parch/Ady Thru 09/10/2001 PURCHASES'FINANCE CHARGEOPERIODIC RATE 84 0000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 9.19 Earned this Month 0.00 Redeemed/Expired 0.00 Current Balance 9.19 Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates will expire on DECEMBER 31, 2004 Please see the enclosed privacy notice for important information. Fast online Card Payments with Click-to-Pay Pay your Citi card bill online anytime, day or night Payments received by i p.m; EST will post that same business daY! Sign-on to citicards.com and choose the Make a Payment menu. -88.00 35.00 0000000000 34.60 0000000000 54.52 0000000000 EXHIBIT 31P Previous + Purchases payments + i rw Account Summary Oalanc• lk A ftnees & Credits CHARGE Balance PURCHASES 53.9 2.06 = 5.00 $ 8.00 S 9. 12 $4.018.18 TOTALtES $3,92.06 55.00 58.00 1 2 59. 54,018.18 Days This BHIn Peft& 31 Rate Surnntary e aria Subject to Finance Charge Periodic Rate Nominal APR pE ANNUAL RCENTAGE RATE Purch $1,442.51 0.07737%(D) 28.240% 28.240% 9/10/2001 $2.568.45 0.06847%(D) 24.990% 24.990% Adv $0.00 0.07737%(D) 28.240% 28.240% Cash AMamx Unfit AYaNaYla Cass Llmit $1200 SO 09/03/04 $3996.37 59T.19 SITE:KC-CL 703/30/060 ACID:01827417: affinsulmonam CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Charter Rebates 5424 1805 5123 1985 Sal'Y?C? 1-600-967-8500 ToUI c1Z00t Um $400 Awl" CteatW $3 SO SIOUXSFALLS 4 U , c»?? 08/10%204 C 10.00 + 7/29 42718531 8/10 8/10 C"M Advamf UMIN $1200 Past out 30.00 + ati& AW1419 Cash LIAR 0"W lakwe $3 $3996.37 Payealtts Credits is Adiu:tstaats PAYMENT NANK YOU 0000 70 0000 Stamdard Purch PURCHASEESS'FINANCE CHARGE*PERIODIC RATE 64 DO Purch/Adv Thru 09/10/2001 SPURCH?ES*FINANCE CHARGE•PERIDDIC RATE .19 = 5Y1.19 Amaut _ -114.00 36.33 0000000000 55.86 0000000000 * CITI DRIVER'S EDGE CHARTER MEMBER REBATES `TOTAL .19 Last month's Balance 09.19 Earned this month Redeemed/Expired 9:00 Current Balance Good Newsl Due to your recent payment perforslance we are lowering your Annual Percentage Date (APR) to our standard APR. You rill see the new APR on your next statement. Aappens7aCa11nuspatt1586ed6-247-0 34. a can phe,Pld EXHIBIT 3T Account Semen-Y rwiaus + Bel e & A az dvances - aymen & Cradits r +j CHARGE Now Belance PURCHASES $4.0 8-18 0.00 00 0 $114.00 00 $0 $92.19 00 $0 $3,9 6.37 0.00 TOTALCES 00 $4,018.18 . 10.00 . $114.00 . $92.19 =3.996.37 Da This BNflng Ped0a 32 a e to Periodic am na ANNUAL Rats Summary n....,.. ehwrefs Rate APR PERCENTAGE-RATE- PURCHASES Standard Purch $1.467.39 o.OT737%(D) 28.240% 28.240% Purch/Adv thru 09110/2001 $2,549.26 0.06847110) 24.990% 24.990% ADVANCES Standard Adv $0.00 6.0773T%(D) 28.240% 26.240% 10/04/04 $3983-12 $91.75 SITE:KC-CL CITI CARDS P.O. BOX 6106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 1TOGS-1927000 Citi Driver's Edge' Card Charter Rebates 5424 1805 5123 1985 G er. 1-B00-967-8500 -- Thal Credo Ow AvalWk Cndlt Line $ Cash Advance UM $1200 $4000 16 BOX 6500 SlOtlx FALLS, SO State Dat1 i O(osuy A4 ?t ov, $0 to + 07417 09/09/2004 10.00 + 'arrs>aats Credits E Adjustments 8/30 62527647 70AYMN0000 T FUNK YOU 0000 Standard Parch 9/09 PURCHASES*FINANCE CHARGE*PERIOOIC RATE 84 0000 Parch/Adv Thru 08/10/2004 9/09 B RCH SES*FINANCE CNA E*PERIODIC -RATE 0000 ***Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 09.0109 Base Rebates Earned Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 9 Lifetime Rebates Earned 80.26 Bonus Rebates may take one to two billing cycles to appear on your state t. Please refer to the specific terms and conditions pertaining to the promotion for further details. IMPORTANT INFORMATION ABOUT CREDIT REPORTING: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS MISSED PAYMENTS OR OTHERDEEFAULTS OON YOUR ACCOUNT MAY BE REFLECTE6 IN OUR . Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement- Is your acco nt protected if something unexpected happens? Call us at 1-866-247-0360. We can help! TM:CO-6300 ACID:KCB9290 03/30/06 01:27:17: Meltable Cash Limit $16 5 0 ati& New Balance $3983.12 4bdWAat A 91.5 7 -100.00 16.33 0000000000 TO.42 0000000000 EXHIBIT 3`? ROLANA R VORTENSEN $era Date Pant Dab Rdwome tNmier /lamy slum lent statewnet AnoWt Account Summary av ms 4 Balance & Purchases qmf f Advancfs 6 Crfdlts (+MNAMCE CHARGE (m) Now Bolan-c• PURCHASES CES $3.996.37 0 . 0.00 $1 .00 00 0 1 $ 75 75 $ $3.983.12 83 17 TOTAL 37 $3.99 6 . 0.00 $1 $ 6. . $3,9 Da This Blffftg Pmfod: 30 RaW Summary Balance Subject Finance Charge eri c Rate 0m na APR p ANNUAL RCENTAGE RATE_ PURCHASES d Purch Stand $994.08 0.05477%(D) 19.990% 19.990% n Purchdv thru 08/10/2004 $3.007.67 0.07805%(0) 28.490% 28.490% AnvaHrFS 10 Garm 11/02/04 $3984.39 $98.02 SITE:KC-CL TM:CO-6300 ACID:KC69290 A 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card /'%a ati ghar,e, r Rebates 5424 1805 5123 1985 Cttstww Rnks 1-800-967-8500 Total CredR $4000 U" AV41Wb1vCnr1R L1w Cash AQraace Umlt AY4061e Cash Usk $15 $1200 $15 Naw aalaace $3984.39 Box 6500 stataawrd/ AaleatA Ow sIeux FALLS. SD C %shq Date r?rer8 Um t Dee Purdow MI saw on 98 02 Minimum Apowal we 02 = 98 57117 10/11 /20 04 10.00 + 50.00 + . . Sw Dab Pat Dete Ralwofte Nus M? Acthuy Slum Lot Statsmsat Aawust 10/02 42560429 Payysleets Credits i A4justmants Q ANK YOU PA MENT -41.75 O 0000 10/11 Standard Purch PURCHO EES*FINANCE CHARGE'PERIODIC RATE 17.57 00 00 00000000 Purch/Adv Thru 08/10/2004 10/11 *FIMANCE CHARGE•PERIODIC RATE SE 5 BUKKA 75.45 AS 0 0 0?0? 000 ***Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 9.19 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 Lifetime Rebates Earned 80.26 Bonus Rebates nay take one to two billing cycles to appppear on your statement- Please refer to the Spec font rms and onditions.pertaining to the for frther Citi Driver's Edge Charter Member rebates expire 3 . will sbefdeducted fromijroordrebatte account 1.48 rebates will expire ire on DECEMBER 31. 2004 Is your account protected if something unexppeected happens? Cali us at 1-866-393-0847. We can helpl EXHIBIT 3q Account Summary previous t Purchases - aym [+) FINAIZE CHARGE _ •w 8glance & A dvances r? Credits 5*1!nce PURCHASES ADVANCES $3,9 3.00 0. 9 0.00 0.00 1 ;91.75 $0.00 $93.02 10.00 $3,9 4.39 0.00 9 TOTAL $3. 3.12 0.00 $91.75 $93.02 .39 =3, Da This Wang Pwb& 32 Rats Summary Balance Subject to Periodic olnrna ANNUAL Finance Charge Rats APR PER CENTAGE RATE Purch $1, 002.2a 0.05477%(D) 19.990% 19.990% 8/10/2004 $2,994.41 0.07874%(D) 28.740% 28.740% Adv $0.00 0.05477%(D) 19.990% 19.990% 12/03/04 $4006.56 $94.58 SITE:KC-CL CITI CARDS P.O. Box 8106 ROLAND R MORTENSEN 5 HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: ' ' /1? ab Driver's Edge Citi Card Ch rter Rebates 5424 1805 5123 1985 Total 0*0 1-M900--96 967-8500 Line AVM"k Crodh Line Cash Advance Llmn A001441010 Cash Limit 30 $1200 $0 New Balance $4006.56 $4000 BOX 6500 stataweay Amount Over SIOUX FALLS. SO tla?.?n Oate relit Lim Past Dee 02 + 56 + 30 1 1 Poreh/Adv M ia" D.e 68.00 NN "M 7 t Dee 94.58 57117 11/08/2 snM Daps past onto Relerem s Honker . 6. 04 Actmy mace Last Ralm"M Amoeat 3 Pa????petits Credits A Adjustments HANK YOU P AT E N -98.00 10/29 4388238 O O ? OOOO 11/08 Standard Perch TE FFEE- OCT PAYMENT PAST DUE A 39.00 11108 66 0000 *rINANCE CHARGE*PERIODIC RATE PuRC 0000000000 10 •29 Qs0 04 000000000 11/08 Porch/Adv Thre 09110/2004 ?•FINANCE CHARGE•PERIODIC RATE RCH 65.68 B4 O 000000000 ***Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 09:? Base Rebates Earned Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 Lifetime Rebates Earned 80.26 Bonus Rebates may take one to two billing cycles to a ppeear on your statement. Please refer to the specTric terms and conditions pertaining to the promotion for further details. Your late fee was based on your account balance as of the payment due date (11102104), which was $3,686.39. The Annual Percentage Rate on your account is subject to increase and your ability to redeem or earn Citi Driver's Eddge Card rebates asy be suspended when you fail io make a payment to us or any other creditor when due, exceed your credit limit, or make a payment to us that is not honored by your bank. Our records show home phone 717-486-3997 and business phone 264-287-0724. Please update coupon if incorrect. EXHIBIT Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget Credit Protector gives you some breathing room when it comes to your account payments. To enroll. call 1-866-885-1229. ROLAND R MORTENSEN sob 048 rest Date nWwn Hwnb- AdM4 SUM Last W-Wm;; Awawt COMPLIMENTARY TIRE CHANGE. Don't be stranded on the road with a flat! Call I-SOO-670-640 to request equ st a wallet card for a tire to You. change - at no Don't forget you can redeem your rebates toward the purchase or lease of a new or used car. FREE SERVICES FOR CITI CARDMEMBERS Manage your Citi card account online securely, anytime-whether you want to check your balance, see if a payment was received or pay your bill. Register now at www.citicards.com Account ? Previous Balance t urc s & Advances - ayrne s 6 rr1gIts + CHARGE "Wa Now Dalenae _ PURCHASES NCES DV $3.9 4.39 0 00 S 9.00 0.00 $98.00 0.00 1.17 0.00 =4.006.56. $0.00 A A TOTAL . $3,9 4.39 539.00 58.00 $81.17 $4,006.56 Rate Summary Finance Charge Rate APR PERCH AGE RATE __ PURCHASES Stand rd Parch $996.91 0.05477%(D) 19.990% 19.990% Purch/Adv thru 08/10/2004 $2,988.22 0.07874%(D) 28.740% 28.740% DVANLES. _, en „n n naantirn> 19.990% k 19.990% 01/03/05 $4034.07 $130.91 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: won W. INIMM CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACXENSACKr NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card ati C.hprter Rebates " Moo" 5424 1605 5123 1985 Customer Barldcs: 1-800-967-8500 Total Credit Una A WMbk Credit UM Cash Advww Umit $0 $1200 Available Cash Limit $0 New 8416eca $4034.07 $4000 BOX 6500 start SIOUX FALLS, SO noelny Deb Anwal Dew CredR Una Past Due Perth/A& RI muss Ow Mk*mm wount Due 91 130 57117 12/09 /2004 $34.07 + ;0.00 + 196.84 = . Sub Date Post Duce Xskrwp Num bot AegMhr sleek loot SW841601 Amomd Pavymnts Credits i Adjustments YMENT ANK YOU -101.00 12/02 43475471 A 70 0000 0000 Standard Purch 11/08 11/09 YBPKGQWP PAYPAL •TCPATTY 402 935 7733 CA 15.85 61 88999US 2222 55429504313 11/08 11/09 JFCZMNVP PAYPAL eGLENROSEMUS 402 935 7733 TX 20.82 61 B5945US 2222 55429504313 12/09 A•FINANCE CHARGE•PERIODIC RATE .8 RCH 18.12 O 000 00000000 00 Purch/Adv Tbru 08/10/2004 12/09 PURCHAS SOFINANCE CHARGE•PERIODIC RATE .72 S O 0000000000 ••+Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 9.19 Base Rebates Earned 0.73 Total Rebates Earned This Period 0.73 Total Rebates Available 9.92 Lifetime Rebates Earned 80.99 Bonus Rebates may take one to two billing cycles to a ear on your statement. Please refer to the spectvic terns and conditions pertaining to the promotion for further details. NAPPY HOLIDAYS FROM ALL OF US AT CITI! We'd like to take a moment to thank you for being a Citi Card member and let you know that we appreciate your business. Warmest wishes for the year. Life Happens. But bills like this don't have to. when life-changing events interrupt your income or strain your budget Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-273-1306. EXHIBIT 41 ROLAND R MORTENSEN Gels Date Pant oew awarasn aw&f Adw" Mew Last Odom" Amoud Account Summary rw s t eal ee pure rases - symen a AdVanCes It CredRs + FIIIANICE CHARGE ¦ Now Balance PURCHASES $4,006.56 $36.67 31 1.00 $ 1.84 $4,034.07 ADVANCES $0.00 60.00 0.00 1 0.00 = 0.00 $4 034 07 TOTAL $4,006.56 1.00 $36.67 $1 1.84 , . ! Days This Bp Period: 31 Rate Summary -? Ionee a to Finance Charge Pioa ems Rata Nominal APR PE ANNUAL RCENTAGE RATE PURCHASES Standard Purch $1,067.47 0.05477%(D) 19.990% 19.990% Purch/Adr thru 08/10/2004 $2,994.17 0.07942%(D) 28.990% 28.990% ADVANCES - ., •.. nn n ncA774LreN 113 aonx 19.9901- 02/02/05 $3997.99 $99.91 SITE:KC-CL TM:CO-6300 ACID:KC09290 N 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge0 Card ati rzer Rebates 5424 1805 5123 1985 Custolmr Serftm 1- 600-967-OSOO Told Credit Line AvaaObk Credt Lbu Cash Aeasce Limit Avanable CaO Lbmn 4000 $2 $1200 $2 Nov aelaace $3997.99 $ fOX 6500 State 001 A el =p SIOUX FALLS, SD Cleq Data "?rHlt Lhw Poet Dw 7 PurdWAdv Ml?tmom ore 91 Nlalmem Ar"t Dw 91 9 = 57117 01/10 f2 05 ;0.00 + $0.00 + 199. 89 . saN D6te Past Ode aolerMa NWn bee ARM 151006 LWt UWAIN00t Parrseats, Credits A Adjustannts AT ENTHANK YOU -130.99 12/30 43588190 70 0000 0000 Standard Pureh 1/10 PURCHASES•FINANCE CHARGE*PERIODIC RATE 18.22 84 0000 0000000000 Parch/Adv Thro 08/10//2004 1/10 PURCHASES•FINANCE CHARGE•PERIODIC RATE 76.69 84 DD00 0000000000 -Driver's Edge Charter Kerber Rebate Summary' Previous Statement Rebates Total 9.92 Base Rebates Earned , 0.00 Total Rebates Earned This Pen od 0.00 Total Rebates Expired 1.48 Total Rebates Available 8.44 Bonus Rebates say 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. Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates expired on DECEMBER 31 2004 1.00 rebates will expire on DECEMBEk 31, 2005 Good Mews! Due to your recent payment performance we are lowering your Annual Percentage mate (APR) to our standard APR. You will see the new APR on your next statement. EXHIBIT ?a" ROLAND R MORTENSEN ub Uete Post Dete Rawsen Number Acth" Since Lent t#eMmeet Amount Account SNNINIry revioin t balance & Purchases - Pa Advances 6 C yments redits (+) FIXAMCE CHARGE = New 801ence PURCHASES 4.07 $4,0 0.00 $1 ) 0 . 99 $4.91 $3,997.99 TO C 0 07 0J 00 99 3 0 5 $0. 9 TAL $4.034. $1 . 9 0. 0 4.91 9 :3,997. Da This NI Period: 32 Rate Summery Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR P ERCENTAGE RATE PURCHASES Standard Purch $1,039.57 0.05477%(D) 19.990% 19.990% Pur r d th 08/10/2004 u $2,991.50 0.08011%(D) 29.240% 29.240% ADVAN ES A aa., A sn_nn 0.05477x(0) 19.990% 19.990% 03/03/05 $3928.75 $86.00 SITE:KC-CL TM:CO-6300 ACID:KC69290 03/30/06 01:27:IT: MOM" alow CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi0 Driver's Edge' Card A01"I.• ati h rl, Ler Rebates 5424 1905 5123 1985 Cnstoma servkw 1-800-%7-BS00 Total Credit Line Av&M*k Croft Ltne Cash Adamo Lbatt Avallable Cash Limit $400.0 $71 $1200 $71 New "Isoce $3928.75 BOX 6500 Statement/ Aaaant Over Una Past Dw SIOMX FALLS. SD C Onto W Pereh/Adv la rnum Dae ? Mon``MEM omrt Due OO 57117 02/08/2005 10.00 + so.00 + 86.DD = 86.00 sob Dal. Pat Date IleNnnoe Num bor Aeth ft sieve tat Stalnaent Ammmt Payyments Credits A Adiestwants 1131 62049189 PAYM NT ANK YOU -150.00 0000 70 0000 tandard * A NCE CHARGE•PERIODIC RATE FIN 2108 PURCNASES 10.61 84 0000 0000000000 MARGE'P d I B ERIODIC RATE 2/08 8URR l?o*F ANCE C MIS ? ••'Driver's Edge Charter Member Rebate Sum ary•? Previous Statement Rebates Total 8.44 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 8.44 Bonus Rebates way take one to two billing cycles to m ear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Please see the enclosed Notice of Change in Terns to Your Card Agreement for important information regarding changes to your card Agreement. Use your Citi Driver's Edge card t pay your car EXHIBIT ? insurance. It's a convenient tray t o o consolidate bills and earn rebates. Call your insurance provider and pay your car insurance with your ?+??•? Driver's Edge Cardl Account Summery Previous +) Balance &A Purchases dvances - aym s &Credits (4) FIVANZE CHARGE - Now 811 ante PURCHASES CES $3,927.99 0.00 $1 0.00 10 $00.76 ;3,9 8.75 TOTAL $3,917.94 0.00 .00 $1 $880.76 $3,928.75 pa This 8115 Perlot 29 Rata Summary Balance SuW to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE rd Purch :996.46 0.03671%(D) 13.400% 13.400% Adv 5 08110/2004 $2,994.09 0.08079%(D) 29.490% 29.490% rd Adv $0.00 0.05614%(D) 20.490% 20.490% 04/04/05 $3908.79 $86.00 SITE:KC-CL TM:CO-6300 ACID:KCB9290 03/30/06 01:27:17: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card er Rebates Number 5424 1805 5123 1965 ar Serwksc 1-$OO-!67't500 Total Cr"It Uas A"110k Cradt Line $91 $4000 BOX 6500 atatemeat/ Ameeal Ova SIOUX FALLS, SD s7117 ClerI Date 03/09/205 4resn Una 10.00 + 2/28 62433485 3/09 3/09 atle Cash AOwau LImR $1200 AvallabloCMb limn $91 Now satwee $3908.79 ast Dw {O. Do Perct4Adv sam Doe + i86-00 = Minimum At Due 86.00 ameat AnMht edit PAYM?ENTsfHAMK YOU i Adjustments 70 0000 0000 Standard Purch sUURCHASS.ESOFIHANCE CNARGE•PERIODIC RATE 4 DOW Purch/Adv Thru 08/16/2004 PURCHASES*FINAMCE CNARGE•PERIDDIC RATE 84 0000 -Driver's Edge Charter Member Rebate Summary•ea Previous Statement Rebates Total 8.44 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 8.44 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. Important Information: Please see the enclosed Notice of Change in Rebate Terms and Conditions for changes to the Driver's Edge Charter Member Rebate Program- Get added securityy with a free Citi(R) photocard, gqPreatn way zto your prevti unauthorized ose poftyourtcard. Fad. it's FREE! So send us your best shot. -100.00 10.08 0000000000 69.96 0000000000 EXHIBIT q4 Accourt Summary Previous + Balance Purchases Advances - Payments 6Credits +) FINANCE CHARGE PI New Balance PURCHASES $3.928.75 0.00 0 0 1 $100.00 SH 04 $3,9 8.79 1 TOTALCES $3.928.75 .. 0 00 $190.00 580.04 8.79 $3,9 Da This Ba Period: 29 Rate Summery Balance Subject Finance Charge Periodic Rate _ Nominal APR P ANNUAL ERCENTAGE RATE Stand rd Purch $946.97 0.03671%(D) 13.400% 13.400% Purthrud08/10/2004 $2.986.02 0.08079%(D) 29.490% 29.490% DYANCES Standard Adv $0.00 0.05614%(D) 20.490% 20.490% 05/03/05 $4098.61 $313.35 SITE:KC-CL T03/30/060 ACID:KOCB27917. ?° we CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 s Citi' Driver's Edge` Card ci l haler Rebates 5424 1805 5123 1985 cusbo"r Sarvioe: 1-660-111167-9500 ibtM Credit Una A»INbM Crv& Lbr SO Cash Aenne LWt $1200 Awltabls Cash Limit SO New Balance $4098.61 80x 6500 Sioux FALLS, SO m.7117 $4000 Statement/ Ctes1 Date 04/08/2Y05 Amoua! Over C"WR Uns $98.61 + Put Dw $86.00 Parch/Adv ?iMOM Dee + 1128.74 = Aaawt twr $313.35 4108 Standard Pureh LATE FEE - MAR PAYMENT PAST DUE 3/10 3/10 7LMKZ11VP SKILLJAM 4029357733 CA PAYPA0L000 3/11 3/11 05KJZQWP 61 65734115 2222 PAYPAL "TORMADOTOYS 4029357733 CA 3/16 3118 BC2PLZ87 61 68999US 2222 RYAN'S OF' HANOVER 2394 HANOVER PA 3/22 3/22 KZL6VGG3 61 85822US 2222 VOLUNTEERS OF AMERICA WILKES BARRE PA 4/08 61 05699US 2222 PURCHASES"FINANCE CHARGE*PERIODIC RATE 84 0000 Purch/Adv Thru 08/10/2004 4106 PURCHA'FINANCE CHARGE•PERIODIC RATE 64 0000 -Driver's Edge Charter Member Rebate Summary"O Previous Statement Rebates Total 18.44 Base Rebates Earned .32 Total Rebates Earned This Period 1.32 Total Rebates Available 9.76 Bonus Rebates nay take one to two billing cycles to apppeear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.00 rebates will expire on DECEMBER 31. 2005 39.00 0000000000 20.85 55429505069 12.21 55429505070 15.67 55547515078 17.35 55436875082 11.14 0000000000 73.60 0000000000 Your late fee was based on Your account balance s of the payment due date (04/04/05), which was 13,974.87. The Annual Percentage late on your account is subject to increase and your ability to redeem or earn Citi Driver's Edge Card rebates mnay be suspended when you fail to make a payment to us or any other creditor when due, exceed your credit limit, or make a payment to us that is not EXHIBIT honored by your bank. ROLAND R MORTENSEN Soft oete Peet DOW ftf. wan IMniY.r Acm" Sled. Last atal aoeat ArMa t FREE SERVICES FOR CITI CARDMEMBERS. Man?? your Citi card account online securely. anytime - whether you want to check your balance, see if a payalent was received or pay your bill. Register now at www.citicards.com Ae cwr! ? ary Previous + balance & Purchases - Payments Advances & Credlta (*] F1 KAMM (n) Now CHARGE Balance _ PURCHASES ADVANCES 83,908.79 10.00 51 5.08 0.00 0.00 0.00 1 $14.74 $4,096.61 10.00 $0.00 TOTAL $3,908.79 $ .08 0.00 $84.74 $4.098.61 . Da This Bal Perkek 30 Rate Summary ¦ ence e to Finance Charge Periodic Rate Nominal ANNUAL APR pERCENTAG[ RAT[ Purch Standard Adw $993.17 0.03740%(D) $3.010.93 0.08149%(D) $0.00 0.05682%(D) 13.650% 13.650% 29.740% 29.740% 20.740% 20.740% 06/03/05 $4338.64 $703.46 SITE:KC-CL TM:CO-6300 ACID:KCB9290 03/30/06 01:27:17: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS. OR 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge" Card Char, ter Rebates 5424 1805 5123 1985 2gwmar serir 1-800-388-2x00 total Credit Llee 0 0 AalUwe cm* $o Line 0 0 0 $40 0 80x 6500 su ! i over re AT SIOUX FALLS, SD snip i 0 t c 05/09/205 diit C $338.64 + 5/09 5/02 5/02 IIJH7200 5/09 5/09 5/09 Cash Advanse Ellen Arall"k Cash Umk $1200 $0 $214 e74 + Standard Purch LATE FEE - APR PAYMENT PAST DUE " 0000 PROPL2094 503 800-338-3815 WY 61 OVER CREDIT LIMIT FEE PURCHAASSESOFINANCE CHARGE" PERIODIC RATE 84 0000 htrch/Adv Thrm 08/10/2004 PURCHASES*FINAMCE CHA GE•PERIDDIC RATE 84 0000 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to our account as of that day, and ppaayments must conform to the payment instructions set forth on the reverse side. All contgrming payments received at the yereaited a so('the ffolllowing bank businneessill Vday. If you have not received your new card, please call the Customer Service number on this statement. Your late fee was based on your account balance s of the payment due date {05/03/05), which was 14,15a.56. The Annual Percentagqe Rate an your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us or any otfier creditor when due, you exceeded year eredit line or you made a payment to us that was not honored by your bank. Our records show home phone 717-466-3991 and business phone 254-287-0724. Please update coupon if incorrect. Clue Now valance $4338.64 5703.46 39.00 0000000000 59.95 75414915123 35.00 0000000000 27.46 0000000000 78.62 0000000000 EXHIBIT ?' ROLAND R MORTENSEN Sew Dote Pat Date anew*"* NUWAW AdMIT WAM L Wt Std~d Mount 3UMmarY ev pus t ealonsg G Purchases - aym a Advances & Credits t CHARGE + eW 5al2nce PURCHASES ADVANCES $4,098.61 :s0.00 $1 3.9S 00 0.00 0.00 1 $1".08 30.00 $4.3 5.64 }0.00 TOTAL 34,098.61 3.95 .00 $ $106.06 54,338.64 Oa This 9111 Perlot 31 Rats Summary Balance Sub.Fact to Periodic om na ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Stand$rd Purch $1,078.05 0.08216%(D) 29.990% 29.990% Purch/Adv thru 08/10/2004 $3,086.99 0.08216%(D) 29.990% 29.990% ADVANCES , ..__ en nn n na» Rwm ?4. onm 29.990% 07/04/05 $4524-51 $1045.20 SITE:KC-CL TN:CO-6300 ACID:KCB9290 03/30/06 01:27:17: ill?ll CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 NT HOLLY SPGS PA 17065-1927000 Citr Driver's Edge' Card Q?ri er Rebates 5424 1805 5123 1985 1-500-W-91100 Total Credit Una Available Cr dk Line $4000 $0 BOX 6500 statement! Amew? Over SIOUX FALLS, SD Ctesln? Data Cnaltt ver ?V.4v aA/09/2005 $524.51 + C"11 AdnWA Lbv*t AwllatN Cask Limit $1200 $0 Past ow 364.82 + ati* NeM Dance $4524.51 Amoent Dw Minimum $1045.20 Standard Parch 6/09 LAATE FEEEEO- MAY PAYMENT PAST DUE 6/09 OVER CREDIT LIMIT FEE 62 6/09 PURCH?*FINANCE CHARGE*PERIODIC RATE 84 Purch/Adv Thru 08/10/2004 6/09 P84RCHAO*FINAHCE CHARGEOPERIODIC RATE Your late fee was based on (8 %0cc untwbaalance s of the payment due date ` A,338.64. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pat, or Saturday, 8 am to 5 pm, Central Time. 39.00 0000000000 35.00 00000000031.22 0000000000 80.65 0000000000 EXHIBIT 0- us + ure axes - symen s KFINARM (A) Now Aocount Stanmary Balance & Advances i Credlts CHARGE Balance PURCHASES $4,3 64 $ 4.00 4 - 00 t0.00 00 $111.87 00 f0 $4,524.51 00 50 ADVANCES TOTAL 50.00 $4,338.64 0 $104- 00 $0. $0.00 . $111.87 . $4.524.51 Da a This flak Period: 31 Balance Subject to Periodic Nominal ANNUAL Rate Summary Finance Charce Rata APR -__pERCEN TAGE RATE PURCHASES Standaa?rd Purch $1,225.95 0.08216%(D) 29.990% 29.990% PurchlAdv thru 08/10/2004 $3,166.58 0.08216%(D) 29.990% 29.990% ADVANCES Standard Adv $0.00 0.08216%(D) 29.990% 29.990% 08/03/05 $4720.02 54720.02 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:18: a• CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS. ON 628 WOODLAND 43218-3056 MT MOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card .d".\* at! Charter Rebates 5424 1805 5123 1985 f.Wdg per So. V 1-900-6"-"00 Totai Cr"It tine Awihble Credit Une Casa Adranea MR MOW* Casa Unit NOW Wae<e $4000 $0 $1200 $0 $4720.02 sox 6500 Stataw nv Aaront( O er post out SIOUX FALLS. SO em glaf Date ?er<h/Adr auto Dw MNh? Ame wt ova 57117 07/11 /20 2 0 . 2 05 $720.02 $520.69 5165.51 $4720.02 Sets Doter Post Deter Mletae **mw er ACROW Shea Lot Stdowat Anwunt E - 7/11 LATE FE JUN PAYMENT PAST DUE 39.06 66 R ????3 7/11 EDIT LIMIT FEE OVER C 5.00 62 O ES ???0? 7/11 SE S•FINANCE CHARGE•PERIODIC RATE PDRCHA 35.35 84 0000 0000000000 P ASE N E HARGE° 7111 S•IF C PERIODIC RATE URCH ANC 86.16 84 0000 0000000000 Your late fee was based on four account balance s of the payment due date (07/04/05), which was 4,524.51. Kelp is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pit, or.Saturdayy,? 8 am to 5 Pat. Central Time. Please Otve as the opportunity to assist you. EXHIBIT ?? Account Summary rev us + Purchases - payments E+1 ¦ ew Balance & Advances 6 Crwl CHARGE Belansl PURCHASES $4,524.51 $74.00 $0.00 $1 1.51 $4,720.02 ADVANCES TOTAL .00 SSO $4 5 $0.00 0.00 $0 0.00 $0.00 , 4. 1 $74.00 .00 $121.51 $4,720.02 Da This Mftg Period: 32 Ratty Summary a a e rz F Finance Charge Rate PR aro rwrrA r. oaTr d Purch $1,333.17 0.08285%(D) 30.240% 30.240% dv 0811012004 $3,249.92 0.08285%(D) 30.240% 30.240% d Adv $0.00 0.08285%(D) 30.240% 30.240% 09/05/05 $4873.75 54873.75 SITE:KC-CL TM:CO-6300 ACID:KC89290 WHOM gloom HIMM 03/30/06 01:27:18: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge` Card Chnter Rebates 5424 1805 5123 1985 1-800-568-5000 Total Credit Urw Arapwle Creep We $0 BOX 6500 $4000 SIOUX FALLS. SD ci ?nnayyDate Over Amount c t UP s7117 08/092005 $873.75 C A402% Cab Advance halt Avaaable Cask LNnn New 541"Ke $1200 $0 :4873.75 .cv &&.W.94 aw-- Standard Parch 8/09 LATE FEE 00- JUL PAYMENT PAST DUE 00 8/09 a4RCHASES*FINANCE CHARGE•PERIODIC RATE 0000 Purch/Adv Thru 06/1012004 8/09 PURCHASES•FINAKE CHARGE+PERIODIC RATE 84 0000 Your late fee was based on our account balance s of the payment due date (08/03/05), which was 4,720.02. Help is available! Please call the toll-free number shown above to learn about our special Payment options. Call Monday - Friday, 7 am to 9 pal, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. 000000000309.00 00000000004.65 0000000000 EXHIBIT Account Summary Previous + B l A e os - Ad ym (+) FINANCE CHARGE (a) New a ance ya)nees & Cr*dits Balance PURCHASES $4,7 0.02 $39.00 1 00 $114.73 $4,873.75 ADVANCES T07 0.00 $ 60.00 00 . 50.00 $0.00 A1 4,7 0.02 834.00 00 0 $114.73 $4,873.75 Da This 5011Pedod: 29 Rate Suoetneiry Balance • to ar o c onl na ANNUAL Finance Charge Rate APR PERCENTAGr RATr rd Purch $1,442.14 0.08285%(D) 30.240% 30.240% Adv S 08/10/2004 $3,333.04 0.08285%(D) 30.240% 30.240% rd Adv $0.00 0.08285%(D) 30.240% 30.240% 10/04/05 $5040.55 $5040.55 SITE:KC-CL TM:CO-6300 ACID:KCB9290 i IN 11101M. 03/30/06 01:27:18: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 ROODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card ati h rer Rebates 5424 1805 5123 1985 Customer Sornrlcec 1-800-756-4000 laud Cre01t Line Jwall" Crw*t LMr Cast Adraecr Limit Avollable Cash Limn New OaNact $4000 $0 $1200 SD $5040.55 BOX 6500 SYOUX FALLS, SD ctstgqa: A Credit Lin 57117 09/09 d 05 $1040.55 Post Dw $844.93 NAUw ow b?r i1T1.80 Amount mpiN $5040.55 Standard Porch 9/09 LA " 0000 TE rEE - AUG PAYMENT PAST DUE ???0?39.00 9/09 PURCHASES'FINAHCE CHARGE'PERIODIC RATE 39.31 84 0000 0000000000 9/D9 PURCHASES•F NANCE CHARGE'PERIODIC RATE 88.49 84 0000 0000000000 Your late fee was based 01 your account balance as of the payment due date (09/05/05), which was $4,873.75. Help is available! Please call the toll-free number shown above to learn about our special paysent options. Call Monday - Friday, 7 as to 9 pa, or Saturday, 8 am to 5 pm, Lentral Tim. Please give us the opportuaity to assist you. EXHIBIT 5v Account SumwvwV Previous + w es - aym" s (+) FINANCE ew f.) Belancr GAdvance% Cred[ts CHARGE Balance PURCHASES ADVANCES $4,873.75 70 00 S?9.00 0.00 Sig so $5,040.55 TOTAL . 54,873.75 70.00 $39.00 0.00 .00 10.00 $127.80 s0.00 ;5,04035 Raft Summary _ °"-". J1•c: a Finance Charge worwaic Rate nominal APR PER ANNUAL CENTAGE RATE PURCHASES Standard Purch Purch/Adv $1,518.07 0.08353%(D) 30.490% 30.490% third 0811012004 $3.427.25 0.08353%(D) 30.490% 30 490% ADVANCES . Standard Adv $0.00 0.08353%(D) 30.490% 30.490% c No. 05-5857 civil CITIBANK SOUTH DAKOTA N.A. § IN THE COURT OF Plaintiff: § COMMON PLEAS VS. § CIVIL ACTION - LAW § ROLAND R MORTENSEN § CUMBERLAND COUNTY Defendant § PENNSYLVANIA DEFENDANT'S ANSWERS TO PLAINTIFF'S REOUEST FOR ADMISSIONS TO: Plaintiff, CITIBANK, SOUTH DAKOTA, N.A., by and through its attorney of record, YALE WEINSTEIN, Burton Neil & Associates, P.C., 1060 Andrew Drive, Suite 170, West Chester, PA 19380. ROLAND R MORTENSEN, Defendant, serves these answers to Plaintiffs, CITIBANK, SOUTH DAKOTA'S Request for Admissions to Defendant made under the North Carolina Rules of Civil Procedure. Respectfully Submitted, ROLAND R MORTENSEN Pro Se 628 Woodland Ave. Mount Holly Springs, PA 17605 EXHIBIT B DEFENDANT'S ANSWERS TO ADMISSIONS 1. With reference to the monthly billing statements for defendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Denied. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit 2. Defendant admits that after receipt of the monthly billing statements marked exhibits 1-18 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 3. Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. RESPONSE: Admit 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statement. RESPONSE: Admit S. Defendant admits that balance owed on account number 5424180159982740 is $4,051.42. RESPONSE: Denied 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Denied b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. Admit 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 4450 defendant did not send a payment to plaintiff. RESPONSE: Admit 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statement. RESPONSE: Admit 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55. RESPONSE: Denied 11. Defendant admits that the total balance owed on both accounts is $9,091.97. RESPONSE: Denied Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and correct to the best of the undersigned my knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date: Tiz? Zd Roland R Mortensen CERTIFICATE OF SERVICE I certify that I sent a copy of the Defendant's Original Response to Plaintiff's Attorney of record as listed below on" 1, 2006 by the method(s) indicated below. OLAND R ORTENSEN Citibank, South Dakota N.A., represented by Yale Weinstein, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, STE 170 Certified Mail Delivery Service West Chester, PA 19380 X Tele: 610.696.2120 Fax Transfer Personal Delivery Fax: Is 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 V. : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 civil ROLAND R MORTENSEN Defendant : CIVIL ACTION - LAW Plaintiffs Memorandum of Law in Support of Motion to Determine Sufficiency of Defendant's Answers to Requests for Admission Pursuant to Pa. R.C.P. 4014 This matter is before the Court on plaintiff's motion to determine the sufficiency of defendant's amended answers to plaintiff s requests for admission. Copies of the requests and answers are attached to plaintiffs motion. The first request was set forth in three parts. The first part requested that defendant admit that the detail in the monthly billing statements for account number 5424180159982740 attached as Exhibits 1 through 25 accurately stated the account activity and the charges and credits to the account. To subpart (a) defendant responded, "Denied". The second part requested defendant admit the matter that within 60 days after receipt of each monthly billing statement no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing on the statements was sent to plaintiff. To subpart (b) defendant responded, "Denied" Request No. 5 asked defendant to admit that he owes a balance of $4,051.42 on account number 5424180159982740. Defendant denied this Request. Request No. 6 was set forth in three parts. The first part requested that defendant admit that the detail in the monthly billing statements for account number 5424180551231985 attached as Exhibits 26 through 50 accurately stated the account activity and the charges and credits to the account. To subpart (a) defendant responded, "Denied" The second part requested defendant admit the matter that within 60 days after receipt of each monthly billing statement no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing on the statements was sent to plaintiff. To subpart (b) defendant responded, "Denied" Request No. 10 asked defendant to admit that he owes a balance of $5,040.55 on account number 5424180551231985. Defendant denied this Request. Finally, Request No. 11 asked defendant to admit that the total balance owed on both accounts is $9,091.97. Defendant denied this Request. Pa R.C.P. 4014(b) provides in pertinent part: A denial shall fairly meet the substance of the requested admission, and when good faith requires that a parry qualify the answer or deny only of a part of the matter of which an admission is requested, the parry shall specify so much of it as is true and qualify or deny the remainder. There is no question that defendant's answers to these Requests failed to comply with this rule. Plaintiff's complaint alleges defendant is liable for the charges made on his credit card accounts in the sum of $9,091.97. The Requests for Admission go to the heart of plaintiff's account stated' cause of action. The matters sought to be admitted were clear and succinct and singularly within defendant's knowledge to admit or if a denial was required to qualify the answer. Ostensibly, it was defendant who received and used the credit cards to make purchases. 'Under Pennsylvania law, "...the essence of a common law action for an account stated is an agreement, either express or implied, based upon prior transactions, between two parties as to the correctness of an amount due.." Connolly Epstein Chicco Foxman Engelmyer & Ewing v Fanslow, 1995 WL 686045 at *5 (E.D.Pa.1995) (applying Pennsylvania law). w It was defendant who made payments. Defendant responded to the requests by simply either admitting or denying the answers. Debtor should be able to respond specifically to those which were denied. . Pursuant to Rule 4014(c) the Court may order the matters in the requests admitted or order that an amended answer be served. Plaintiff contends that defendant should not be afforded the opportunity to amend. The matters sought to be admitted were clear and succinct and singularly within defendant's knowledge to admit or if a denial was required to qualify the answer. Rather, defendant's answer to the requests for admission was fully evasive. In conclusion, the relief sought under Rule 4014(c) that the matters contained in plaintiff s requests for admission be admitted is appropriate. BURTON..NZIL & ASSOCIATES, P.C. Attorney for In making this communication, we advise our firm is a debt collector. 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. Plaintiff v ROLAND R MORTENSEN Certificate of Service I, Burton Neil, Esquire do hereby certify that I served a true and correct copy of the within Motion Pursuant to Pa.R.C.P.4014(c) to Determine Sufficiency of Defendant's Answers to Requests for Admission, proposed Order, supporting Memorandum of Law and Certificate of Service on pro se defendant, Roland R Mortensen at his/her address of record via first class mail, postage prepaid on the date set forth below. Date: 4S --wl le I- BLTRTO;NN?;& ASSOCIATES, P.C. B on eil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 civil Defendant : CIVIL ACTION - LAW C-8226 CITIBANK (SOUTH DAKOTA), N.A. Plaintiff V. ROLAND R. MORTENSEN : Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-5857 CIVIL TERM ORDER OF COURT AND NOW, this 13th day of September, 2006, upon consideration of Plaintiffs Motion Pursuant To Pa. R.C.P. 4014(c) To Determine Sufficiency of Defendant's Answers to Requests for Admission, a hearing is scheduled for Wednesday, November 22, 2006, at 2:30 p.m., in Courtroom No. 1, Cumberland County Courthouse, Carlisle, Pennsylvania. BY THE COURT, Wesley Oler; Jr., J. Burton Neil, Esq. v Xurton Neil & Associates, P.C. 1060 Andrew Drive Suite 170 West Chester, PA 19380 Attorney for Plaintiff VRoland R. Mortensen 628 Woodland Avenue Mt. Holly Springs, PA 17065-1927 Defendant, pro Se :rc C C5 ?"a ;, _. ?,., { ? ? 8-? V`1 i ' (? .fir. ?'. C.r h?J r ? ? ?-i ? ?:.,i F:\FnES\DAT AF Q.E\General\Curtent\ 11541.14, pra BURTON NEIL & ASSOCIATES, P.C. Christopher E. Rice, Esquire Attorney I.D. No. 90916 MARTSON DEARDORFF WILLIAMS & OTTO 10 East High Street Carlisle, PA 17013 (717) 243-3341 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA), N.A IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA NO. 05-5857 CIVIL V. ROLAND R. MORTENSEN, Defendant To the Prothonotary: : CIVIL ACTION - LAW PRAECIPE Please enter the appearance of MARTSON DEARDORFF WILLIAMS & OTTO, as co- counsel with BURTON NEIL & ASSOCIATES, P.C., for the Plaintiff. MARTSON DEARDORFF WILLIAMS & OTTO By C1_ 4(- -? Christopher E. Rice, Esquire I. D. Number 90916 ?; /2", Ten East High Street Carlisle, PA 17013 (717) 243-3341 Date: November 22, 2006 Attorneys for Plaintiff n? ?:,-, $ '?: ?-r ; w._ ?f ?, ??,?t .. ^-' ? y?"Si .__? ?.. .'.t;. No. 05-5857 civil CITIBANK SOUTH DAKOTA N.A. § IN TICE COURT OF Plaintiff § COMMON PLEAS VS. § § CIVIL ACTION - LAW § ROLAND R MORTENSEN § C ERLAND COUNTY Defendant § PENN YLVANfIA TO: Plaintiff, CITIBANK, SOUTH DAKOTA, N.A., by and through its attorney of record, YALE WEINSTEIN, Burton Neil & Associates, P.C., 1060 Andrew Drive, Suite 170, West Chester, PA 19380. ROLAND R MORTENSEN, Defendant serves these to Plaintiffs, CITIBANK, SOUTH DAKOTA'S Request for the Pennsylvania Rules of Civil Procedure. Respectfully ROLAND R A Pro Se 628 Woodland Mount Holly S to Defendant made under ve. PA 17605 I certify that I sent a copy of the Defendant's Ori Attorney of record as listed below on method(s) indicated below. Response to Plaintifrs 197- , 2006 by the R Citibank, South Dakota N.A., represented by Yale Weinstein, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, STE 170 Certified Mail West Chester, PA 19380 Tele: 610.696.2120 Fax: -X Fax Transfer Delivery Service Personal Delivery 1. With reference to the monthly billing statements for dlefendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use oflthe account and accurately reflected all charges and credits to the account. RESPONSE: Admit that the statements are accur, statements after that date are accurate. In April 2005 I gave Christian Debt Consultants. The CDC sent a letter stating th behalf to settle the debt and asked that all statements be fors received a statement or any correspondence from Citibank s asked for itemized statements in writing and did not receive either. Also the CDC asked that my account be closed and C charges onto this account after that date for over the limit fe increased the interest to an excessive rate. The CDC asked f original agreement and any other subsequent agreements or calculation or computation of interest and fees, and received to until April 2005. Deny that rower of attorney to the CDC it they were acting in my larded to them. I have not nce that slate. The CDC anything from Citibank itibank continued to place ,s and late fees and then ?r a signed copy of the imendmejnts pertaining to the no response from Citibank. b. Within 60 days after defendant's receipt of e h monthly billing statement defendant admits that no writing or other communication di uting, protesting or objecting to any of the charges or credits appearing in them nthly billing statements was sent by defendant to plaintiff. RESPONSE Admit that this statement is accurate until Ap power of attorney to CDC Christian Debt Consultants. Deny accurate after that time as CDC sent a letter stating that they settle the debt and asked that all statements be forwarded to t statement or any correspondence from Citibank since that da itemized statements in writing and did not receive anything f CDC asked that my account be closed and Citibank continue account after that date for over the limit fees and late fees. I t provided copies of those statements by Citibank's lawyers. I closed as asked by the Christian Debt Consultants. C. Defendant admits that with respect to each written billing error notice was not sent to plaintiff. RESPONSE: Admit this is true with respect to the bills 12005 at which time I gave hat this statement is sere acting in my behalf to em. I halve not received a . The CDC asked for )m Citibank either. Also the to placecharges onto this ve only now have been kought the account was billing statement, a received by me. 2. Defendant admits that after receipt of themonthly billing statements marked exhibits 1-18 defendant made a payment which w reflected as a credit in the following month's statement. RESPONSE: Admit 3. Defendant admits that after receipt of the mo thly billing statements marked exhibits 19-25 defendant did not send a payment to ?Iaintiff, RESPONSE Denied, I never received monthly statements after enrolling with the CDC I assumed that they were forwarding them to the CDC as directed to coo by the CDC. On billing statement exhibit 19 there is an entry payment 00.00 as you state in your Request number 4 below. 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 9 monthly billing statements. RESPONSE: Admit after that date I enrolled with were acting in my behalf. 5. Defendant admits that balance owed on 5424180159982740 is $4,051.42. ian Debt Consultants and they number RESPONSE: Denied, because I had given power of attorn Consultants in April of 2005. The CDC sent a letter stating behalf to settle the debt and asked that all statements be fon received a statement or any correspondence from Citibank s asked for itemized statements in writing and did not receive either. Also the CDC asked that my account be closed and ( charges onto this account after that date for over the limit fe increased the interest to an excessive rate. My balance in AF when I started working with the CDC. 6. With reference to the monthly billing state card account number 5424180551231985 with plaintiff c hereto as requests for admissions exhibits 26 through 50: to the CDC Christian Debt it they were acting in my rded to them. I have not ,e that date. The CDC iything from Citibank bank continued to place and late fees and then of 2005 was $3175.71 s for defendant's credit of which are attached a. Defendant admits that the detail set forth in e h monthly billing statement accurately reflected for the monthly billing period defendant' use of the account and accurately reflected all charges and credits to the account. RESPONSE Admit that this statement is accurate unt 1 April 2005 at which time I gave power of attorney to CDC Christian Debt Consultants. ny that this statement is accurate after that time as CDC sent a letter stating that the were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that te. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continu to place charges onto this account after that date for over the limit fees and late fees. I have only now have been provided copies of those statements by Citibank's lawyers. thought the account was closed as asked by the Christian Debt Consultants. My bal ice in April of 2005 was $3908.79 when I started working with the CDC. b. Within 60 days after defendant's receipt of e h mon y billing statement defendant admits that no writing or other communication di puling, p otesting or objecting to any of the charges or credits appearing in the monthly bil ing statements was sent by defendant to plaintiff. RESPONSE Admit that this statement is accurate until Apr il 2005 atlwhich time I gave power of attorney to CDC Christian Debt Consultants. Den that this statement is accurate after that time as CDC sent a letter stating that they settle the debt and asked that all statements be forw d d t were acting in my behalf to l ar e o statement or any correspondence from Citibank since that da em. I ha ve not received a . The CDC asked for itemized statements in writing and did not receive anything CDC asked that my account be closed and Citibank contin m Citibank either. Also the to place) charges onto this account after that date for over the limit fees and late fees. I ve only now have been provided copies of those statements by Citibank's lawyers. I ought the account was closed as asked by the Christian Debt Consultants. C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit that this is true with respect to the bills that were actually received by me. 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 8. Defendant admits that after receipt of the on y billing statements marked exhibits 28, 30, 44-50 defendant did not send a paym nt to plaintiff. RESPONSE: Denied. I made a payment on exhibit 2 of $200100. And I made a payment on exhibit 30 for $100.00.1 made a payment of $100, on exhibit 44. Admit no payment made exhibit 45 -50 because they were never receive by me. 9. Defendant admits that the last payment made o the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibi 44 monthly billing statements. RESPONSE: Admit 10. Defendant admits that balance owed on 5424180551231985 is $5,040.55. RESPONSE: Denied, because I had given power c Christian Debt Consultants in April of 2005. The CDC sent acting in my behalf to settle the debt and asked that all state have not received a statement or any correspondence from ( CDC asked for itemized statements in writing and did not re either. Also the CDC asked that my account be closed and C charges onto this account after that date for over the limit fe the interest to an excessive rate. My balance in April of 200: asked that the account be closed. 11. Defendant admits that the total balance owed $9,091.97. RESPONSE: Denied, because I had given power of Christian Debt Consultants in April of 2005. The CDC sent a acting in my behalf to settle the debt and asked that all staterr have not received a statement or any correspondence from Ci balance on each of these accounts has increased almost $200( over the limit fees and late fees tacked on after I asked to hav, continued to charge me 29.990 annual percentage rates. The t combined in April of 2005 totals equaled $7083.00 Verification I, Roland R Mortensen, defendant in the within action, hereby of fact made in the foregoing Requests for Admission are true the undersigned my knowledge and belief The undersigned un statements made herein are subject to the penalties of 18 Pa. C, to unworn falsification to authorities. Date. ! e ?' Roland R Mortensen number attorney to the CDC i letter siting that they were ients be forwarded to them. I tibank since that date. The eive anything from Citibank tibank continued to place s and late fees and increased was $3908.79 when we both accounts is ttomey to the CDC letter stating that they were ents be forwarded to them. I ibank since that date. The .00 since that date all in the accounts closed and glance on the two accounts rify that the statements i correct to the best of rstands that the Section 4904, relating C`? c (? [.., is 'T'1 - ? i -? ?i f r _ , `y.' ? ..; ?? -?'Y't ?? _ t? ?'? C_ O __I l -{ ? _ C,."+ ' ? ? " CITIBANK (SOUTH DAKOTA), N.A., IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. . CIVIL ACTION - LAW ROLAND R. MORTENSEN, , Defendant 05-5857 CIVIL TERM ORDER OF COURT AND NOW, this 22nd day of November, 2006, upon consideration of Plaintiff's Motion Pursuant to Pa. R.C.P. 4014(c) To Determine Sufficiency of Defendant's Answers to Requests for Admissions, and following a proceeding at which the Court determined that the Defendant's answers to requests for admission were insufficient, Defendant is afforded a period of 20 days from today's date within which to serve upon Plaintiff's counsel full and adequate responses to the Plaintiff's requests for admissions. 01 Christopher E. Rice, Esquire Ten E. High Street Carlisle, PA 17013-3015 For the Plaintiff Roland R. Mortensen, Defendant Pro Se 628 Woodland Avenue /a ?U G Mt. Holly Springs17065-1927` Burton Neil, Esquire 1060 Andrew Drive, Ste. 170 West Chester, PA 19380 pcb By the Court, ^4 y ` ` o? ?.? V ? lO a+iJ VA BURTON NEIL & ASSOCIATES, P.C. Neil Sarker, Esquire ID. No. 203465 1060 Andrew Drive, Suite 170 West Chester PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff V. IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 CIVIL ROLAND R. MORTENSEN Defendant : CIVIL ACTION -LAW Plaintiffs Motion for Summary Judgment Plaintiff, Citibank (South Dakota) N.A., by its counsel, Burton Neil & Associates, P.C., moves under Pa. R.C.P. 1035.2 for summary judgment against defendant Roland R. Mortensen in the sum of $9,091.97 for the following reasons: 1. The pleadings, which consist of the complaint and answer are closed. 2. Plaintiff served defendant with requests for admission to which defendant answered. A copy of plaintiff's requests for admission and defendant's answers thereto are attached as Exhibit A. 3. Plaintiff filed a motion to determine the sufficiency of defendant's answers to the requests for admission. After a hearing on the motion and by Court Order dated November 22, 2006, defendant was ordered to serve plaintiff's counsel with full and adequate responses to plaintiff's requests for admission by December 12, 2006. A copy of the Order is attached hereto as Exhibit B. 4. Pursuant to the Court's Order, defendant provided amended responses to plaintiff's requests for admission. Defendant's second set of answers are attached as Exhibit C. 5. Attached in support of the motion is plaintiff's affidavit as Exhibit D. 6. The pleadings, discovery, and affidavit disclose that there is no genuine issue of material fact that will require a trial. As such, plaintiff is entitled to summary judgment as a matter of law. WHEREFORE, plaintiff Citibank (South Dakota) N.A. moves the Court enter summary judgment pursuant to Pa. R.C.P. 1035.2 for it and against defendant Roland R. Mortensen in the sum of $9,091.97 plus the costs of this action. BURTON NEIL & ASSOCIATES, P.C. By: Neil Sarker, sq re Attorney for Pl ntiff The law firm of Burton Neil & Associates is a debt collector. BURTON NEIL & ASSOCIATES, P.C. By: Yale Weinstein, Esquire Identification No. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. Plaintiff VS. ROLAND R MORTENSEN Defendant : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO.05-5857 civil : CIVIL ACTION - LAW Plaintiffs First Set of Requests for Admission to Defendant Plaintiff, by its undersigned attorney, hereby serves upon defendant the within Request. for Admissions pursuant to Pa.R.C.P. No. 4014. Your attention is called to Rule 4014(b) which provides: Each matter of which an admission is requested shall be separately set forth. The matter is admitted unless, within thirty days after service of the request, or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection, signed by the party or by the party's attorney, but, unless the court shortens the time, a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made, the reasons therefore shall be stated. The answer shall admit or. deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the parry shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by him or her is insufficient to enable him or her to admit or deny. A party who considers that a matter of which an admission has been requested presents a genuine issue for trial may not, on that ground alone, object to the request. That party may, subject to the provisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit or deny it. EXHIBIT Requests for Admission 1. With reference to the monthly billing statements for defendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. c. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. 2. Defendant admits that after receipt of the monthly billing statements marked exhibits 1-18 defendant made a payment which was reflected as a credit in the following month's statement. 3. Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statement. 5. Defendant admits that balance owed on account number 5424180159982740 is $4,051.42. 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. c. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 44-50 defendant did not send a payment to plaintiff. 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statement. 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55. 11. Defendant admits that the total balance owed on both accounts is $9,091.97. BURTON NEIL & ASSOCIATES, P.C. By: Yale Weinstein, Esquire In making this communication, we advise that this office is a debt collector. C-8226 & C-8234 Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and correct to the best of the undersigned my knowledge and belief The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date: Roland R Mortensen 10/10/03 $3352.88 $146.00 SITE:KC-CL CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-192TODO CIV Card TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: for Customer Service, can or write 1-800-95075114 Account Number Y•r'o°'t?""e"r";`rM• BOX 6500 5424 1801 5998 2740 6itlft"WUM"- will SIOUX FALLS, SO PAYMENT MUST RE RECEIVED NY 1:00 PM LOCAL TIME ON 10/30/2003 net preserverwrrtykw 57117 Sbtanent/Closing Date Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance 09/16/2003 $3500 $147 $3500 $147 $3352.88 Amount Over Credit Urro Past Duo Purch/Adv Minimum Due Wnirmm Amount Duo $0.00 + $72.00 + $74.00 = $146.00 Sale vat* Post Hato Reference Num ber Activity Sim* Last Statoment Amount Standard Purch 9/16 LATE FEE - AUG PAYMENT PAST DUE 66 0000 9/16 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv 9/16 ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card A reement with us: if you fail to make a payment to us or any other creditor when due, you exceed your credit line or you snake a payment to us that is not honored by your bank. Peace of mind is knowing... your Citi Card account is protected if your income stops. Call 1-866-631-0155 to find out how you can be protected and receive $50 in rebate coupons when you enroll. Get I5 Statement Credit. Sign up for All Electronic. You' 1 have instant access to our statement online, without that pile of paper. Get an e-mail notice when your statement is ready. Regqister or sign-on tc citicards.com and choose Manage My Account. 15.00 OOOOD00000 42.60 0000000000 6.48 0000000000 Did you know that you won't lose a penny when you f use your Citi(R)Card online? With Citibank's $0 EXHIBIT Liability, you can have peace of mind knowing that ! you won'} be held responsible for any unauthorized charges on your account. Account Summary ra laus (+ uro awes (-) Payments (+) FINANCE (_) Now Balance & Advances & Cr edits CHARGE Balance PURCHASES AD CES $2 854.85 $ $5.00 0.00 $42.60 $2 912.45 VAN 433.95 0.00 1 0.00 $6.48 $440.43 TOTAL $3,288.80 $15.00 0.00 $49.08 $3,352.88 Da This Billing Period: 32 Rate Summary Balance Subject to Periodic Nomina ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,875.43 0.04630%(D) 16.900% 16.900% ADVANCES Standard Ally $437.08 0.04630%(D) 16.900% 16.900% 11/10/03 $3419.07 $77.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 11 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS. OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citio Card For Customer Servks, eel or rake 1-800-950-5114 Account Number T•r"wteNN+r*"-`rft BOX 6500 5424 1801 5998 2740 toShlbdaure.rrre.al SIOUX FALLS SO PAYMENT MUST AE RECEIVED St L:00 PM LOCAL TIME OM 11/10/2003 not geeerveyour ?ds , 57117 Statement/Closing Data Total Credit Lirw Available Credit Line Cash Advance Limit Available Cash Limit New sakrrce 10/16/2003 $3500 $80 $3500 $80 $3419.07 c eit OLine v Over Past Du. PurcNAdv Minimum Due MihlmUm Amount Due $0.00 + $2.00 + $75.00 = $77.00 Sale Data Post date Reference Num ber Activity Since Last statement Amount Payments Credits 5 Adjustmnts 9/17 43672237 PAYMENT THANK YOU -72.00 70 0000 0000 10/13 62982571 PAYMENT THANK YOU -72.00 70 0000 0000 Standard Purch 10/16 LATE FEE - SEP PAYMENT PAST DUE 15.00 66 0000 0000000000 9/25 9/25 THRT7G00 TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863268 9/30 9/30 18099ROO TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863273 10/09 10/09 NPP2CNVP PAYPAL *JANICEDEBI 402 935 7733 CA 78.94 61 A8999US 1065 78429503282 10/16 PURCHASES*FINANCE CHARGE*PERIODIC RATE 40.69 84 0000 0000000000 Standard Adv 10/16 ADVANCES*FINANCE CHARGE*PERIODIC RATE 5.98 84 0000 0000000000 The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card Agreement with us: if you fail to Rieke a payment to us or any other creditor when due, yoexceed your credit line or you make a paymentut o us that is not honored by your bank. Peace of mind is knowing... your Citi Card account is protected if your income stops. Call 1-877-300-2927 to find out now you can be protected. Receive a $15 rebate coupon when you enroll. Get $5 Statement Credit. Sign up for All Electronic. You'll have instant access fo your statement online, without that pile of paper. Get an e-mail notice when your statement is ready. Register or sign-on to citicards.com and choose Manage my Account. EXHIBIT 9 ROLAND R MORTENSEN Sala Data Post Date Reference Number Actwity slaw Last StaMment Amount revious (+) Purchases (- Payments (4) FINANCE (=) New Aecount Summary Balance Advances & Credits CHARGE Balance PURCHASES $2 912.45 $163.52 S 23.27 1 $40.69 $2 993.39 CES 3 3 . 00 44 07 6 TOTAL $ 352.88 $16 52 $ . .67 $3,419. $4 Days This Billing Period: 30 Rate Summary Balance Diu jec to Finance Charge Periodic Rate Nominal ANNUAL APR PERCENTAGE RATE Purch $2,929.11 0.04630%(D) 16.900X, 16.900% 12/09/03 $3511.77 $88.77 SITE:KC-CL TM:CO-5000 ACID:KC85076 I - • k ? r= 04/26/06 21:44:38: ?. CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 For Customer Servkb call or write Cities Card 1-800-950-5114 Account Number To wpm 6wq a,%orme tee"N lemesw"we BOX 6500 SD SIOUX FALLS 5424 1801 5998 2740 "~Prem-Vo re10 , 57117 PAYMENT MOST BE RECEIVED BY 1:00 PM LOCAL TIME ON 12/09/2003 Statement/Closing Data Total Credit L'uu Available Credit Line CashAdvanw L.imil Available Cash Lina Maw Balance 11/14/2003 $3500 $0 $3500 $0 $3511.77 Arrouat Owr Credit I bme Past Dw ML?il?mum DiN Minimum Arnow Due $11.77 + $0.00 + $77.00 = $88.77 sale Data Post Dab Relereaw Number Acthritq Slaw Last Statement Amount Payments, Credits & Adjustments 10/30 42177677 PAYMENT HANK YOU -T7.00 0000 70 0000 Standard Purch 10/16 10/17 OZ•V6PO0 TBE*ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863289 11/05 11/05 3KR47WOO TBE'ASHTON DRAKE GALL 800-634-5164 IL 34.79 61 A5969US 3286 78432863309 11/08 11/08 4FR9F7WP PAYPAL •CRMELLING 402 935 7733 CA 20.87 61 A8999US 1065 78429503312 11/13 11/13 MWHSHWVP PAYPAL aREBECCASCLO 402 935 7733 CA 32.89 61 A8999US 1065 78429503317 11/14 PURCHASES*FINANCE CHARGE'PERIODIC RATE 40.71 84 0000 0000000000 Standard Adv 11114 ADVANCES•FINANCE CHARGE'PERIODIC RATE 5.65 84 0000 0000000000 when you pay your bill by check, you authorize us to electronilcally process your payment. If your check is processed electronically, your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your bill, you must give a copy of this notice to them before the payment is sent to us. our records show home phone 717-486-3997 and business phone 254-287-0974. Please update above coupon if incorrect. Your Citi Card can provide shopping convenience and account protection. Call 1466147-9186 to learn how to protect your account and receive a $15 rebate coupon when you enroll. EXHIBIT 3 ROLAND R MORTENSEN sale Data Post Date Reference Number ActWity Since Last Statement Amount Account Summary Previous (+) Purchases - aymen s +) FINANCE (=) New' Balance & Advances Credits CHARGE Balance PURCHASES ADVANCES $2 993.39 1 $123.34 W 63.36 $40.71 $3 094.08 425.68 OO 13.64 $5.65 141T.69 TOTAL $3,419.07 $123.34 T7.00 $46.36 $3,511.T7 Days This Billing Perlout: 29 Rate Summery a ante Subjec t to Periodic Nominal ANNUAL Finance Charg e Rate APR PE RCENTAGE RATE PURCHASES -""- Standard Purch $3,032.15 0.04630%( D) 16.900% 16.900% ADVANCES 01/09/04 $3490.73 $77.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 O RION IN " W-3 a 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 C16" Card For Cuelomer Service, cat or write 1-800-950-5114 Account Number T6 ?M q-N. BOX 6500 5424 1801 5998 2740 , SIOUX FALLS, SO PAYMENT MUST BE RECEIVED NY 1:00 FM LOCAL TIME ON 01109/200 m.ew.n..Yer. ? 57117 statement/Cwnq Date Total Credit Line Available Credit Lino Cash Advance Limit Available Cash Limit New Balance 12/16/2003 $3500 $9 $3500 $9 $3490.73 Cre tm uM Over Past Out Minimum Dua Minknurn Amount Due $0.00 + $0.00 + $77.00 = $77.00 Sala Date Post Date Relereace Num ber Activity Slaca Laat statement Amount 12/11 42283451 12/16 12/16 Payments, Credits i Adjustments PAYMENT THANK YOU -88.77 70 0000 0000 Standard Purch PURCHASES*FINANCE CHARGE*PERIOOIC RATE 59.68 84 0000 0000000000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 8.05 84 0000 0000000000 When you pay your bill by check, you authorize us to electronically process your payment. It your check is processed electronically, your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or_a bill paying service pays your bill, you must give a copy of this notice to them before the payment is sent to us. If you have not received your new card please call the Customer Service number on this statement. The Annual Percentage Rate on your account has been increased due o one of the following reasons stated in your Card Agreement with us: you failed to make payment to us on this account or any other account that you have with us or any other creditor when due, you exceeded your credit line on this account or any other account that you have with us, or you made a payment to us on this account or any other account that you have with us that was not honored by your bank. HAPPY HOLIDAYS FROM ALL OF US AT CITI: We'd like to take a moment to thank you for being a Citi Card member and let you know that we appreciate your business. warmest wishes for the upcoming year. Please see the enclosed Notice of Change in Terms to Your Card Agqreement for important information regarding changes to your card Agreement. EXHIBIT On Behalf of Citibank, Happy Holidays ROLAND R MORTENSEN Sak Data Post Dirt* Reference Number Actk" Stan Last Stabmeat AMMM KEEP TRACK OF YOUR HOLIDAY SPENDING! Stay on top of your purchases and available credit on your Citi Card this holiday season. Register at https://www.citicards.com today and view your account summary anytime, anywhere. Get $5 Statement Credit. Sign up for All Electronic. You'll have instant access to your statement online, without that pile of paper. Get an e-mail notice when your statement is ready. Register or sign-on to www.citicards.com and choose Manage My Account. Introducing Citi(R) Identity Theft Solutions Identity theft can happen to anyone. If it happens to you we can help with free specialized assistance. Visit https://www.citicards.com to learn more. Peace of mind is knowing... your Citi Card account is protected if your income stops. Call 1-866-436-9442 to find out now you can be protected. Receive a $20 rebate coupon when you enroll. Did you know that you won't lose a ppennyy when you use your Citi(R) Card online? with Citibank's $0 Liability. you can have peace of mind knowing that you won't be held responsible for any unauthorized charges on your account. Account Summary Previous Balance (+) urc ases A Advances - Payments 1G Credits (4) FINANCE CHARGE = New Balance PURCHASES $3 094.08 0.00 77.00 $59.68 $3 076.76 1 ADVANCES $417.69 0.00 1 1 11.77 $8.05 413.97 TOTAL $3,511.77 0.00 88.77 $67.73 $3.490.73 Da Thls Billing Period: 32 Rata Summary Balance Subject Finance Charg to e Periodic Rate Nominal ANNUAL APR PERCENTAGE RATE PURCHASES Standard Purch $3,108.57 0. 06000%(D) 21.900% 21.900% ADVANCES 02/09/04 $3476.60 $76.00 SITE:KC-CL CITI CARDS PO BOX 163060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi` Card Account Number 5424 1801 5998 2740 PAYMENT MUST BE RECEIVED IT 1:00 PM LOCAL TIME ON 02/09/2004 TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: For Customer Service, u1 or write 1-800-950-5114 rer.rwsrlwwarwe NN Box 6500 °ieei'd`"s"°"°"a' SIOUX FALLS, SD ereY°` 57117 StatomeM/Closing Dato Total Credit Line Available Credit Line Cash Advance Limit Available Cash Umit New Balance 01/15/2004 $3500 $23 $3500 $23 $3476.60 Amount Over credit Line Past Due Purch/Adv Minimum Due Minimum Amount Due $0.00 + $0.00 + $76.00 = $76.00 Sob Data Post Date Reiereace Number ActMit Since Last Statement Amount Payyments, Credits E Adjustments 1/05 62344101 PAYMENT THANK YOU -77.00 70 0000 0000 Standard Purch 1/15 PURCHASES*FINANCE CHARGE•PERIODIC RATE 55.42 84 0000 0000000000 Standard Adv 1/15 ADVANCES*FINANCE CHARGE•PERIODIC RATE 7.45 84 0000 0000000000 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account may be debited on the same day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your bill, you must give a copy of this notice to then before the payment is sent to us. Protect your Citi Card account today and receive a $15 retail rebate coupon to help with your expenses. Call 1-866-647-9404 to find out how to sign up for optional protection. EXHIBIT 5 Account Summary Previous (+) Purchases (-) Payments (+) FINANCE (_) New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 076.76 1 0.00 $67.10 $55.42 $3 065.08 413.97 0.00 $9.90 1 $7.45 411.52 TOTAL $3,490.73 0.00 $77.00 $62.87 $3,476.60 Days This Billing period- 30 Rate Summary Balance lec t o Periodic Nomina ANNUAL Finance Charge Rate APR PE RCENTAGE RATE PURCHASES Standard Purch $3,079.00 0.06000%(D) 21.900% 21 900% ADVANCES . Standard Adv $413.95 0.06000%(D) 21.900% 21.900% 03/09/04 $3478.05 $77.45 SITE:KC-CL TM:CO-5000 ACID:KC65076 _r 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 C10" Card Account Number 5424 1801 5998 2740 PAYMENT MUST IE RECEIVED NY 1:00 PM LOCAL TIME ON 03109/2004 statement/closing Oats Total Credit Line Available credit Lint 02/13/2004 X3500 $21 2/02 1 44212062 2/13 2/13 0.00 + For Customer Service, cal or write 1-800-950-5114 TO on ua^o--arise BOX 6500 to Oft adierC am" ale SIOUX FALLS, SO rMpre-Yev 60b. 57117 cash Advance Limit Available Cash Limit New Balance $3500 $21 $3478.05 Past Due I Pugh . D Purchw Minimum Amount Due $0.00 + $77.45 = $77.45 Statement Payatents, Credits 6 Adjustments PAYMENT THANK YOU 70 GOOD - 0000 Standard Purch PURCHASES*FIKANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 84 0000 When you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checkinq account may be debited on the some day we receive the check and it will not be returned with your checking account statement. If someone other than you or a bill paying service pays your bill, you must give a copy of this notice to them before the Payment is sent to us. EXCESS COLLISION LOSS/DAMAGE WAIVER NOTIFICATION: As of 03/01/2004, your account will provide you with Excess Collision Loss/Damage Insurance for car rentals. Please see insert for details or go to www.citi.com/us/cards/promos/cdw/mc.htm Did you know? Your Citi Card can provide shopping convenience and account protection. Call 1-866-284-4428 to learn how to protect your account and receive a $15 rebate coupon when you enroll. -76.00 68.29 0000000000 9.16 0000000000 EXHIBIT ? Account Summary Previous (t Purchases Balance & Advances (-) Payments & Credits + NG CHARGE (w) N ew Balance PURCHASES $3 065.08 0.00 65.93 $68.29 $3 067.44 0 ADVANCES (411.52 0.00 1 110.07 9116 41 .61 TOTAL $3,476.60 0.00 76.00 $7.45 $3,478.05 Da This 811Iirt Period: 29 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR P ERCENTAGE RATE Standard Purch $3,070.82 0.07668%(D) 27.990% 27.990% ADVANCES Standard Adv $411.78 0.07668%(D) 27.990% 27.990% 04/08/04 $3483.76 $83.16 SITE:KC-CL TM:CO-5000 ACID:KC85076 MINIM 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 O' a a ti Card CRI . Account Number 5424 1801 5998 2740 Customer Service: l 1-900-950-5114 Total Credit Line Available Credit Line Cash Adveace Limit Available Cash Limit $16 $3500 $16 0 ance New Ba 76 $3483 0 $35 . $OX 6500 SIOUX FALLS, SO Statement/ Amount Over Closing Date redlt Llne Past Due V Parch/Adv Mi mum Due Minimum Amount Due 6 57117 0.00 + $0.00 + 03/15/04 83.16 = $83.1 Sale Date Post Data Reference Number Activity Since Last Statement Amount 3/08 62023731 Payalents Credits 6 Adlustments HANK YOU MENT -77.45 0000 OOOO Standard Purch 3/15 PURCHASES+FINANCE CHARGE•PERIODIC RATE 73.34 84 0000 0000000000 Standard Adv 3/15 ADVANCES•FINANCE CHARGE*PERIODIC RATE 9.82 84 0000 0000000000, Want to receive your billing statement in Spanish? Prefiere recibir su estado de cuenta en espanol? Llamenos al 1-800-947-9100 para elegir recibir su estado de cuenta y las cartas de Servicio al Cliente en el idioma espanol. EXHIBIT "T Account Summary Previous Balance +) urc saes & Advances M aymen s & Credits t) FINAREF -) New CHARGE Balance PURCHASES $3 067.44 0.00 $68.29 $73.34 $3 072.49 4 ADVANCES 1410.61 0.00 1 4.16 1 411.27 $9.82 TOTAL $3,478.05 0.00 $ 7.45 $83.16 $3,483.76 Da %s This Bnlln Period: 31 Rate Summary Balance Subject t o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE Lb rd Purch $3,085.31 0.07668%(D) 27.990% 27.990% rd Adv $413.00 0.07668%(D) 27.990% 27.990% 05/10/04 $3479.82 $80.06 SITE:KC-CL TM:CO-5000 ACID:KCS5076 z" c W ~ 5 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citie Card Account Number 5424 1801 5998 2740 Customer Servke: 1-900-950-5114 BOX 6500 SIOUX FALLS, SD OPT% C tla Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New balance $3500 $20 $3500 $20 $3479.82 Statement/ Amount Over Pureh/Adv Minimum Closl Date refit Line Past Oue Mi mum Due A uat Due 57117 04/14/204 $0.00 + $0.00 + 80.06 = €80.06 Smile Coto Post Date Reference Number Activity Since Last statement Amount Payments, Credits & Adjustments 3/31 43968300 PAYMENT HANK YOU 0000 -84.00 TO 0000 Standard Purch 4/14 PURCHASES•FINANCE CHARGE*PERIODIC RATE 70.61 84 0000 0000000000 Standard Adv 4/14 ADVANCES•FINANCE CHARGE•PERIODIC RATE 9.45 84 0000 0000000000 EXHIBIT Account Summary Previous t Purchases (-) Payments t CE (_) New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3 072.49 1 0.00 $74.18 $70.61 $3 068.92 411.27 0.00 $9.82 1 9.45 1410.90 TOTAL $3,483.76 0.00 $84.00 $0.06 $3,479.82 Days This Billing Period 30 Rate Summary Balance Subject t o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,069.61 0.07668%(D) 27.990% 27 990% ADVANCES , Standard Adv $410.94 0.07668%(D) 27.990% 27.990% 06/08/04 $3480.09 $80.33 SITE:KC-CL TM:CO-5000 ACID:KCB5076 = 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi` Card Account Number 5424 1801 5998 2740 Customer So. vic 1-800-950-5114 BOX 6500 SIOUX FALLS, SO 57117 05 Date Total Credit Line Available Credit Line 13500 $19 statement/ Closl Date /14/204 Amount Over WOO Line 10.00 + Number slate Cash Adva" Limit Available Cash Limit $3500 $19 Parch/Adv Past Due =0.00 Minimum Due + $80.33 New Balance $3480.09 Minimum uat Due TB* 0.33 Amount Payments, Credits i Adjustments 5/05 42229363 PAYMENT THANK YOU -80.06 70 0000 0000 Standard Purch 5/14 PURCHASES*FINANCE CHARGE*PERIODIC RATE 70.84 84 0000 0000000000 Standard Adv 5/14 ADVANCES*FINANCE CHARGE*PERIODIC RATE 9.49 84 0000 0000000000 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facili that handles your payments, in order to be credty ited to your account as of that day, and payments must conform to the payment instructions set forth on the reverse side. All conforming payments received at the gaymentrerocessing facility after that time will e credid as of the following bank business day. C tl? Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. Exciting news! Your rewards program is improving with new ways to earn and more choices when yyou redeem points. The name is also changing to ThankYou Redemptions Network at the end of June. Look for details and new terms and conditions in the mail. EX II BIT How will you pay your Citi Card bill if something unexpected happens? Call us at 1-877-436-2678. We can help! Account Summary Previous ( Balance +) Purchases - Payments tK Advan & C t) FINANCE CHARG =) 7e -w ces rrdits E Balance PURCHASES ADVANCES $3 068.92 1 0.00 $70.61 $70.84 $3 069.15 TOTAL 410.90 $3,479.82 0.00 $9.45 10.00 $80.06 $9.49 $80.33 410.94 $3,480.09 Days This Billie Perlo& 30 Rate Summary Balance u )e t o Periodic Nomina ANNUAL Finance Charge Rate APR PERCEN TAGE RATE PURCHASES Standard Purch ADVANCES $3r079.67 0.07668%(D) 27.990% 27,990% Standard Adv $412.34 0.07668%(D) 27.990% 27.990% OT/09/04 $3526.36 $112.97 SITE:KC-CL TM:CO-5000 ACID:KC85076 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 62B WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 o tie Citi Card Account Number 5424 1801 5998 2740 Customer Servlac: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Availa ble Cash Limit New Balance $3500 $0 $3500 50 $3526.36 BOX 6500 SIOUX FALLS, SD statement/ Amount Over Closing Data Credit Line Past Due Parch/Adv Minimum MI mum Do* mount Due 57117 06/15/2004 $26.36 + $0.00 + 86.61 = 112.97 Sob Date Post Dab Roferesco Number Act" Siace Last Statement Amount /0 8 Payyments Credits I Adjustments 6 3 4377 3 81 PAYMENT HANK YOU -80.33 TO 0000 0000 Standard Purch 6/15 MEMBERSHIP FEE JUN 04-MAY 06 0.00 74 0000 0000000000 5/14 5/15 NHVHTSVP PAYPAL *CORKCH 402 935 7733 CA 39.99 61 A8999US 1065 78429504135 6/15 PURCHASES'FINANCE CHARGE'PERIODIC RATE 76.50 84 0000 0000000000 Standard Adv 6/15 ADVANCES•FINANCE CHARGE+PERIODIC RATE 10.11 84 0000 0000000000 Good News! Due to your recent payment performance on this account or any other account that you have with us, we are lowering your Annual Percentage Rate (APR). You will see the new APR on your next statement. This summer use your Citicard for hot deals and big discounts. Vor more details an great offers, visit citicards.com and sign-on or register at Account Online ("Secure Online Services ). EXHIBIT 10 Account Summary rev ous Balance (+) Purchases & Advances - Payments & Credits (+) Fl NANCE CHARGE =) New Balance PURCHASES ADVANCES $3 069.15 # $39.99 $70.84 76.50 $3 114.80 410.94 $0.00 $9.49 10.11 411.56 TOTAL $3,480.09 $39.99 $80.33 86.61 $3,526.36 Oa This Boll Perlod: 32 Rate Summary Balance let to Periodic Nominal Finance Charge Rate APR PrRf!FNNA6F RATE rvnlnnj?j Standard Purch $3,117.47 0.07668%(D) 27.990% 27.990% ADVANCES Standard Adv $411.99 0.07668%(D) 27.990% Z7.990% 08/09/04 $3474.00 $76.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 rr ¢ z:.•?. y _11 • • •-•-x; 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® t ? l Citi Card Account Number 5424 1801 5998 2740 Customer Servke: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $26 $3500 $26 $3474.00 BOX 6500 Statement/ AmounlOver Parch/Adv Minimum SIOUX FALLS, SD C laai Date redly Una Past Duo 2 Minimum Due A uat Due £7 57117 07/15 / 04 0.00 + $0.00 + X76.00 = 6.00 Sale Date Post Date Reference Num ber ActhAty Slece Last Statement Amount Payments, Credits & Adjustments 7/05 43680254 PAYMENT THANK YOU -113.00 70 0000 0000 Standard Purch 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 53.54 84 0000 0000000000 Standard Adv 7/15 ADVANCES*FINANCE CHARGE*PERIODIC RATE 7.10 84 0000 OOOD000000 Please see the enclosed privacy notice for important information. EXHIBIT I I Account Summary rev ous (+) urc ases (- Payments + FINANCE (-) Now Balance & Advances & Credits CHARGE Balance PURCHASES $3 114.80 $ 0.00 $102.89 553.54 $3 065.45 ADVANCES 411.56 0.00 $10.11 1 ST.10 $408.55 TOTAL $3,526.36 0.00 $113.00 ;60.64 $3,474.00 Days This Billing Period: 30 Rate Summary Balance u )ec to Periodic Nominal ANNUAL Finance Charg e Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,103.08 0.05751%(O) 20.990% 20.990% ADVANCES 4;tanAard Adv $411.29 0.05751%(D) 20.990% 20.990% Enjoy this month's special savings offer, available exclusively online! 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just For You" area. 09/09/04 $3462.16 $76.00 SITE:KC-CL IrM:CO-5000 ACID:KC85076 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® AW' OIL at A I ? Card Citi Account Number 5424 1801 5998 2740 Customer Service 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $37 $3500 $37 $3462.16 BOX 6500 SIOUX FALLS, SO Statement/ Closi Onto 7 Amount Over radii Line Past Due Perch/Adv MI mum Due Minimum A ME Due ME 57117 04 08/16/2 0.00 + $0.00 + 76.00 = 00 sale Date Post Date Reference Number Activity Since Last statement Amount y Parents, Credits & Adjustments 8/09 42031495 YMENT THANK YOU PA 70 OOO O 7/17 7/17 FKOJL5WP PAYPAL *SUPERJEWELL 402 935 7733 CA 71 8999US 1065 Standard Purch 7/17 7/17 7KOJL5WP PAYPAL •SUPERJEWELL 402 935 7733 CA 61 A8999US 165 8/16 PURCHASES•FINANCE CHARGE*PERIODIC RATE 84 0000 Standard Adv 8/16 ADVANCES•FINANCE CHARGE•PERIODIC RATE 84 0000 Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! You have a special savings offer waiting for you! Check it out exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account online. 3) View your offer in the "Just For You" area. -76.00 -15.00 78429504199 15.00 78429504199 56.62 0000000000 7.54 0000000000 rXH1BiT Account Summary rev ous (+) Purchases (-) 13ayments t) (") New Balance & va Advances & Credits CHARGE Balance PURCHASES D CES $3 065.45 $ 5 $15.00 80.83 $56.62 $3 056.24 A VAN 408.5 0.00 10.17 1 $7.54 1405.92 TOTAL $3,474.00 $15.00 91.00 $64.16 $3,462.16 Oa s This Billing Perlo& 32 Rote Summary Balance )ec to Periodic Nom na ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,076.44 0.05751%(D) 20.990% 20.990% ADVANCES 1C+anAard Arty 5409.67 0.05751%(D) 20.990% 20.990% 10/11/04 $3445.64 $76.00 SITE:KC-CL TM:CO-5000 ACID:KC85076 04126/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS. OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® at l l Citi Card Account Number 5424 1801 5998 2740 Customer Servlew 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $54 $3500 $54 $3445.64 BOX 6500 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS. SD Cleslay Data 4redll Line Past Due MI mum Due A IM Due I 57117 09/15/2004 10.00 + $0.00 + 76.00 = 6.00 Sale Dote Post Dole Reference Number Activity Slew Last Statement Amount Payments, Credits ii Adjustments 8/30 62512663 PAYMENT THANK YOU -76.00 70 0000 0000 Standard Purch 9/15 PURCHASES•FINANCE CHARGE•PERIODIC RATE 52.52 84 0000 0000000000 Standard Adv 9/15 ADVANCES'FINANCE CHARGE•PERIODIC RATE 6.96 84 0000 0000000000 IMPORTANT INFORMATION ABOUT CREDIT REPORTING: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTE6 IN YOUR CREDIT REPORT. Save when you use'your Citi Card! Find your special savings offer exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the ".lust for You" area. Is your account protected if something unexpected happens? Call us at 1-866-247-0360. We can help! Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1643 to hear details today! FREE SERVICES FOR CITI CARDMEMBERS Manage your Citi Card account online securely. anytime-whether you want to check your balance, see e a Payment was received or pay your bill. Regis er now at www.citicards.com EXHIBIT 13 ROLAND R MORTENSEN Sala Date Post Date Nehrance Number ActW ty Slap Last Statement Amount Account Summary Previous (+ Purchases H Payments + -) New Balance Ad vances & Credits CHARGE Balance PURCHASES ADVANCES $3 056.24 t 0 0.00 $66.10 $52.52 $3 042.66 . 5.92 4 0.00 I $9.90 6.96 4402.98 5 TOTAL $3,462.16 O.OD $76.00 9.48 $3.445.64 Days This Billing Period: 30 Rate Summary Balance Subject to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE. Standard Purch $3,044.23 0.05751%(D) 20.990% 20.990% DVANCES 11/08/04 $3429.15 $75-00 SITE:KC-CL TM:CO-5000 ACID:KC05076 11 NW-4 ism -NOW 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 o C ti? Citi Card AOMUM Number 5424 1801 5998 2740 Customer Service: 1-800-950-5114 Total Credit Line Availatft Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $70 $3500 $70 $3429.15 BOX 6500 Statement/ Amount Over Parch/Adv Minimum SIOUX FALLS, SD Closing Date 4redit Line Past Due Minimum Due A unt but 57117 10/15/04 10.00 + $0.00 + $75. DO = . 00 Sale Dote Post Date Reference Number ActhAty Sing Lost Statement Amount Payments, Credits 6 Adjustments 10/06 42366765 PAYMENT THANK YOU -76.00 70 0000 0000 Standard Purch 10/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 52.56 84 0000 0000000000 Standard Adv 10/15 ADVANCES*FIHANCE CHARGE*PERIODIC RATE 6.95 84 0000 0000000000 Introducing ThankYou Merchants(SM), a new benefit of ThankYou Redemptions Network(SM). Get 2 to 10 points per $1 spent at 200+ participating merchants. For more details on how to register, please log-in at www.thankyouredemptions.com Is your account protected if something unexpected happens? Call us at 1-866-393-0847. We can help! Save when you use your Citi Card! Find your special savings offer exclusively online: 1) Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just for You" area. Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 1 to hear details today! EXHIBIT I Account Summary Previous (t) l B & Purchases - Payments Ad &C dit (+) VINANCE CHARGE • New ance a vances re s Balance PURCHASES $3 042.66 $ 0.00 61-74 :2.56 S3 029.48 ADVANCES 402.98 11 0.00 0.26 16.95 399.67 TOTAL $3,445.64 0.00 76.00 $59.51 $3,429.15 Da This Billing Parlod: 30 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,046.20 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $402.93 0.05751%(D) 20.990% 20.990% 12/07/04 $3384.57 $74.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 -r.? xM MAIMM 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ` cite Citi Card Account Number 54Z4 1801 5998 2740 Customer Servke: 1-800-950-5114 Total Credit Line Available credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $115 $3500 $115 $3384.57 BOx 6500 Statement/ Amount Over Porch/Adv Minimum SIOUX FALLS, SD Closing Date 4rtdit Line Past Due MI mum Due A oust but 57117 11/12/2004 10.00 + $0.00 + 74.00 = 74.00 Sale Date Post Dab Referesee Number Activity Since Last Statement Amount 11/09 43901016 11/12 11/12 Payments, Credits 8 Adjustments PAYMENT THANK YOU -100.00 70 0000 0000 Standard Pureh PURCHASES*FINANCE CHARGE*PERIODIC RATE 48.96 84 0000 0000000000 Standard Adv ADVANCES*FINANCE CHARGE*PERIODIC RATE 6.46 84 0000 0000000000 Our records show home phone T1T-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-885-1229. You have a special savings offer waiting for you! Check it out exclusively online: 1)Visit www.citicards.com 2) Sign-on or Register at Account Online 3) View your offer in the "Just for You" area. ake 10 off Al's Family Farms Florida Citrus! Regg 133.9 Introductory Offer - $23.95 lus SSH. 20 Tb. Gift box of Navel Oranges, Grapefruit or Mixed. Limit 2. Call 1-866-743-6277, Dept. 07X or visit www.ENJOYCITRUS.COM. Offer ends 1/15/05. Everyy day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT 1 ROLAND R MORTENSEN Sale Date Post Date Ratanace *mbar AdMty Since Last Statement AMMot Account Summary Previous +) Purchases (-) Payments t (_) New Balance & Advances & Credits CHARGE Balance PURCHASES D $3 029.48 1 0.00 89.96 $48.96 $Z 988.48 A VANCES 399.67 0.00 1 10.04 $6.46 096.09 TOTAL $3,429.15 0.00 $100.00 $55.42 $3,384.57 Days This Bolin Period: 28 Rate Summary Balance Subject to Periodic omina Finance Charg e Rate APR -PERCEN TAGE RATE PURCHASES Standard Purch $3,040.26 0 .05751%(D) 20.990% 20.990% ADVANCES .. ,. ... ??.., .... ?. ,..,?.. -sn nnnu 01/10/05 $3353.85 $74.00 SITE:KC-CL TM:C075000 ACID:KC85076 XWON, aom 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 * ti? Citi Card ACCOUrit Number 5424 1801 5998 2740 Customer Service: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $146 $3500 $146 $3353.85 BOX 6500 l ts a t Over Am P m µ Sioux FALLS, SO C o l Date 2 ore/f W Past Due Duo MI mu unt Dui A 7 57117 12/15 / 04 OO + $0.00 + 74.00 = 4.00 sale Dab post we Reference Num ber Acthfty since Last Statement Amount Pay¦ents, Credits 5 Adjustments 12/06 43698288 PAYMENT THANK YOU -95.00 70 0000 0000 Standard Purch 12/15 PURCHASES-FINANCE CHARGE-PERIODIC RATE 56.75 84 0000 OOOD000000 Standard Adv 12/15 ADVANCES*FINANCE CHARGE*PERIODIC RATE 7.53 84 0000 0000000000 If you have not received your new card, please call the Customer Service number on this statement. Good News! Due to your recent payment performance on this account or any other account that you have with us we are lowering your Annual Percentage Rate (APR). You will see the new APR on your next statement. HAPPY HOLIDAYS FROM ALL OF US AT CITI! We'd like to take a moment to thank you for being a Citi Card member and let yyou know that we appreciate your business. Mfa nest wishes for the upcoming year. Life Happens. But bills like this don't have to. When life-changinevents interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-273-1386. Every day, families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT ??P ROLAND R M(ORTENSEN Sale Date Past Date Reference Number AdWRy Slav Last Statement Amount Account Summary Previous (+) Purchases (-) Payments (+ FINANCE (= New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $2 988.48 9 0 1 0.00 84.83 $56.75 $2 960.40 3 6. 9 0.00 1 110.17 $7.53 1393.45 TOTAL $3,384.57 0.00 95.00 $64.28 $3,353.85 Days This 81I8n Period: 33 Rate Summary Balance Subject to Periodic Nominal ANNUAL ^ ^' .'r^ Finance Charge Rate APR PERCENTAGE RATE I Purch $2,990.37 0.05751%(D) 20.990% 20.990% . ??-. .+ w nr?r. Y.n• nn nnnY '.I? nnnY 02/08/05 $3311.74 $73.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 ?. 04/26/06 21:44:3$: MON.. ~00 4-6 PRO I ~_1 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® ati• Card Citi Account Wo"r 5424 1801 5998 2740 Customer 5ervktt: 1-800-950-5114 Total Credit Line Availabfe Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $188 $3500 $188 $3311.74 BOX 6500 Statement/ Amount Over Perch/Adv Minimum SIOUX FALLS, SO C losing Date relit Line Pest Due Ml?fmum Due A unt Due 7 57117 01/14 /2005 0.00 + $0.00 + 173.00 = 3.00 Sob Data P04 Date Reference Num ber Activity Since Last Statement Amount Payyments Credits 6 Adjustments 1/07 42313617 70AYMENNT THANK YOU 0000 -100.00 0000 Purch/Adv Thru 12/15/2004 1114 PURCHASES•FINANCE CHARGE'PERIODIC RATE 57.89 84 0000 0000000000 Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll, call 1-866-463-8060. Every day families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! Want to receive your billing statement in Spanish? Prefiere recibir su estado de cuenta en Espanol? Lla menos al 1-800-947-9100, o elija su idioma de preferencia en www.tarjetsciti.com, modificando su Perfil Personal en la seccion Administrar mi Cuenta. Fast Online Card Payments with Click-to-Pay pay your Citi Card bill online anyytime, day or night. Payments received by fpm E5T will post that same business day! Sign-on to citicards.com and choose the Make a Payment menu. FREE SERVICES FOR CITI CARDMEMBERS Manage your Citi Card account online securely, anytime - whether you want to check your balance, see if a payment was received or pay your bill. Register now at citicards.com EXHIBIT F? ROLAND R MORTENSEN Sob Data Post Date Relereeoe Number Acth ty Slwce Lost Statement Arsouat Account Summary Previous (+) Purchases -) Payments (+) FINANCE = New Balance & Advances & Credits CHARGE Balance PURCHASES $3,353.85 0.00 $100.00 $57.89 $3,311.74 ADVANCES D.00 0.00 50.00 50.00 $0.00 TOTAL $3,313.85 10.00 $100.00 $$7.89 $3,311.74 Days This Billie Period: 30 Balance Subject to Periodic Nominal Rate Summary Finance Charge Rate APR PERCEWAGE RATE Standard Purch $O.00 0.04973%(D) 18.150% 18.150% Purch/Adv thru 12/15/2004 $3,355.25 0.05751%(D) 20.990% 20.990% Anvwurvc 03/10/05 $3220.26 $72.00 SITE:KC-CL TM:CO-5000 ACID:KCB5076 >• 04/26/06 21:44:38: INSEAM, 1.' 906011 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS. OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ® C ti? Card Citi Account Number 5424 1801 5998 2740 Customer Service. 1-900-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance $3500 $279 $3500 $279 $3220.26 e0X 6500 SIOUX FALLS. SO Statement/ Amount Over clodng Data 4redlt Lino Past Out Purch/Adv MF mum Out Minimum A uat Due 7 57117 02/14/2005 10.00 + $0.00 + 72.00 = 2.00 Sala Date Post Date lteteraace Number Acthfty Since Lot statement Amount Payments, Credits Ili Adjustments 2/03 42903295 PAYMENT HANK YOU -150.00 0000 70 0000 Purch/Adv Thru 12/15/2004 2/14 PURCHASES*FINANCE CHARGE*PERIODIC RATE 58.52 84 0000 0000000000 Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. EXHIBIT I Account Summary Previous (+) Purchases Payments t FINANCE (-) New Balance A Advances & Credits CHARGE Balance PURCHASES $3,311.74 00 $150.00 0 $58.52 $3,220.26 ADVANCES $0.00 1 : 000 0.00 1 50.00 $0.00 TOTAL $3,311.74 0.00 $1 0.00 $58.52 $3,220.26 Da This Bolin Period: 31 Rate Summary Balance Subject to ergo c Nomura ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.05041%(D) 18.400% 18.400% Purch/Adv thru 12/15/2004 $3,282.22 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $0.00 0.05614%(D) 20-490% 20.490% 04/08/05 $3175.71 $71.00 SITE:KC-CL CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3D60 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi" Card Account Number 5424 1801 5998 2740 Customer Service: TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: C tla 1-800-950-5114 Total Credit Una Available Credit Line Cash Advance Umit Available Cash Limit New Balance $3500 $324 $3500 $324 $3175.71 Box 6500 Statement/ Amount Over Parch/Adv Mlnlmum SIOUX FALLS, SO C7 iv Data x redit Line Past Due MI mum Due A? unt Due 57117 03/16/2 05 0.00 + $0.00 4 71.00 = y11.60 Payments, Credits i Adjustments 3/07 62940023 PAYMENT THANK YOU 70 0000 0000 3/16 PURCHASES FINANCE CHARGE*PERIODIC RATE 64 0000 Life happens. But bills like this don't have to. Safeguard this account with Credit Protector! It gives you some financial breathing room when life-changing events interrupt your income or stress your budget. To enroll, call 1-866-842-1732. ***** Great Savings for Our Cardmembers! ***** Let TruGreen ChemLawn(R) put your money to work. Have more green in your wallet and in your lawn! Green Lawns start : 1-800-232-3990. ***** Great Savings for Our Cardmembers! •**•« Termites are a risk for every home. Help protect your largest investment from termites. Terminix(R) Termite Protection starts is 1-800-304-5414. COMPLIMENTARY TIRE CHANGE. Don't be stranded on the road with a flat! Call 800-T62-4877-to request a wallet card for a tire change - at no cost to you. Every day families discover how valuable Accidental Death insurance COULD have been: Call 1-800-824-1659 to hear details today! -100.00 55.45 0000000000 EXHIBIT 19 Account Summary Previous {+) Purchases (-) Payments (+) FINANZE _) Now Balance & Advances & Credits CHARGE Balance PURCHASES $3,2 0.26 0.00 $100.00 $55.45 $3,175.71 ADVANCES OO 000 $0.00 1 ¢0.00 $0.00 TOTAL $3,220.26 0:00 $100.00 $55.45 $3,175.71 Da s This BlIffrig Period: 30 Rate Summary Balance Subject to er o is Nom na ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.05041%(D) 18.400% 18.400% Purch/Adv thru 12/15/2004 $3,213.84 0.05751%(D) 20.990% 20.990% ADVANCES Standard Adv $0.00 0.05614%(D) 20.490% 20.490% 05/09/05 $3290.61 $190.90 SITE:KC-CL CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citie' Card A=ow t Number 5424 1801 5998 2740 Customer Servke: 1-800-950-5114 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit $3500 $209 $3500 $209 BOX 6500 statement/ Amount Over Parch/Adv SIOUX FALLS. Closin Gate 2 Line W Past Due Minimum Due 57117 04/14/ 05 10.00 + OO $71.00 + $119.90 TM:CO-5000 ACID:KCB50T6 04/26/06 21:44:38: a ti* New Balance $3290.61 90. Seim Date Post Dab Reference Number Activity since Let Statement Amount Standard Purch 4/14 LATE FEE - MAR PAYMENT PAST DUE 39.00 66 0000 0000000000 4/14 PURCHASESRFINANCE CHARGE•PERIODIC RATE 75.90 84 0000 0000000000 Your late fee was based on your account balance s of the payment due date (04/08/05), which was 3,175.71. The Annual Percentage Rate on your account has been increased due o one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us or any other creditor when due, you exceeded your credit line or you made a payment to us that was not honored by your bank. Every day families discover how valuable Accidental Death insurance COULD have been. Call 1-800-824-1659 to hear details today! EXHIBIT ?D_ Accotst Summary Previous B l (+ Purchases Payments & Ad . dit C (+ FINANCE CHARGE = New a ance vances ? re s Balance PURCHASES $3,175.71 $39.00 0.00 $75.90 $3,290.61 ADVANCES $0.00 $0.00 0.00 1 0.00 0.00 TOTAL $3,175.71 $39.00 0.00 55.90 $3,J0.61 Da This Blign Period: 29 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charg e Rate APR P ERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08148%(D) 29.740% 29.740% Purch/Adv thru 12/15/2004 $3,212.20 0.08148%(D) 29.740% 29.740% ADVANCES Standard Adv $0.00 0.08148%(D) 29.740% 29.740% 06/OT/O5 $3408.92 $314.21 SITE:KC-CL TM:CO-5000 ACID:KCB5076 _-M. t. 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 ` C t!• Card Citi Account Number 5424 1801 5998 2740 Customer Servim 1-800-388-2200 Total credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Oalonce $3500 $0 $3500 $0 $3408.92 BOX 6500 Statement/ Amount Over Pmrch/Adv Minimum SIOUX FALLS, SD Line Past Due ClasI Dote W 7 Inimum Doe Amount Due 57117 05 60.00 + 5190.90 + OO 05/13/2 123.31 = $314.21 Selo Date Post Date Reference Number Actfvny Since Last Statement Amount Standard 5/13 - APR PAYMENT PAST DUE LATE 39.00 66 0000 0000000000 5/13 PURCHASES*FINANCE CHARGE•PERIODIC RATE .94 84 0000 0000000000 Purch/Adv Thru 12/15/2004 5/13 PURCHASES*FINANCE CHARGE.PERIODIC RATE 78.37 84 0000 0000000000 Please note that payments must be received by 1:00 p.m.. local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to our account as of that day, and payments must conform to the payment instructions set forth on the reverse side. All conforming payments received at the ppayment processing facility after that time will be credited as of the following bank business day. Your late fee was based on your account balance as of the payment due date (05/09/05), which was $3,290.61. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this payment, thank you. Our records show home phone 717-486-3997 and business phone 254-287-0974. Please update coupon if incorrect. EXHIBIT 9 ROLAND R MORTENSEN Sale Dabs Post bat* Reiaraaea Number WWRY Slate Let statement Amount Account Summary Previous Balance (+) Purchases & AdV4nces Payments & Credits (4) FINANCE CHARGE (a) New Balance PURCHASES $3,290.61 $39.00 0.00 $79.31 $3,408.92 ADVANCES $0.00 $0.00 0.00 1 $0.00 $0.00 TOTAL $3,290.61 $39.00 0.00 $79.31 $3,408.92 Da s This BDlin Perlo& 29 Rata Summary Balance Subject to Periodic Nominal nnnru.rrr Finance Charg e Rate APR PE RCENTAGE RATE Standard Purch $39.45 0.08216%(D) 29.990% 29.990% Purch/Adv thru 12/15/2004 $3,289.29 0.08216%(D) 29.990% 29.990% ADVANCES -- -- - ---- - -• ?.. ..,.... OT/11/05 $3541.57 $493.43 SITE:KC-CL CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 TM:CO-5000 ACID:KC55076 04/26/06 21:44:38: ® atl• Card Citi Account Number 5424 1801 5996 2740 Ctcstontlr Strviaa 1-800-866-9900 Total Credit Line Available Credit Line Cash Ad+nnce Limit Available Cash Limit New Saiance $3500 $0 $3500 $0 $3541.57 BOX 6500 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS, SD Closing Data Credit Line Pest Due Inlmwn Due Amount Dus 57117 06/15/2005 $41.57 + $314.21 + 137.65 = $493.43 Snip Dah Post Date Reference Number Activity Slam Last Stabment Amount Standard Purch 6/15 LATE FEE - MAY PAYMENT PAST DUE 66 0000 6/15 PURCHASES•FINANCE CHARGE*PERIODIC RATE 84 0000 Purch/Adv Thru 12/1512004 6/15 PURCHASES•FINANCE CHARGE'PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (06/07/05), which was $3,408.92. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. 39.00 0000000000 2.17 0000000000 91.48 0000000000 EXHIBIT Account Summary Previous {+) Balance & A Purchases {-) Payments dvances A Credits (+) FINANCE CHARGE {= ew Balance PURCHASES $3,408.92 $39.00 0.00 $93.65 $3,541.57 ADVANCES $0.00 $0.00 0.00 1 0.00 5 $0.00 TOTAL $3,408.92 $39.00 0.00 3.65 $3,541.57 Da s This Bolin Perlod: 33 Rate Summary Balance subject to Brio is Nominal ANNUAL Finance Charge Rate APR PER CENTAGE RATE PURCHASES Standard Purch $79.99 0.08216%(D) 29.990% 29.990% Purch/Adv thru 12/15/2004 $3,374.13 0.08216%(D) 29.990% 29.990% ADVANCES C4=n,1arrt Aries $0.00 0.08216%(D) 29.990% 29.990% 06/09/05 $3704.66 $3704.66 SITE:KC-CL TM:CO-5000 ACID:KCB5076 04/26/06 21:44:38: v CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 C1ti® Card Account Number 5424 1801 5998 2740 Customer Service C tl* 1-800- 866- 9900 Total Credit Line Aveilable credit Line Cash Advance Limit Available Cash Limit New Balance' $3500 $0 $3500 $0 $3704.66 BOX 6500 SIOUX FALLS, SO Statement/ closi Date 7 Amount Over Credit Line Past Due Parch/Adv iMmum Due Minimum Amount Due 57117 07/15/2 05 $204.66 $451.86 133.09 $3704.66 Safe Dab Post Date Reference Number Activity Since Last Statement Amount Standard Purch 7/15 LATE FEE - JUN PAYMENT PAST DUE 66 0000 7/15 OVER CREDIT LIMIT FEE 62 0000 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 7/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Your late fee was based on your account balance as of the payment due date (07/11/05), which was $3,541.57. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to S pm, Central Time. Please give us the opportunity to assist you. 39.00 0000000000 35.00 0000000000 3.02 0000000000 86.07 0000000000 112 EXHIBIT- 01-i Account Summary Previous (+) Purchases t-) Payments (+) FINANCE (y New Balance & Advances & Credits CHARGE Balance PURCHASES $3,541.57 $74.00 0.00 $89.09 $3,704.66 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $3,541.57 $74.00 0.00 $89.09 $3,704.66 Da This ShU Period: 30 Rate Summary Balance Subject to Periodic Nominal Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $121.56 0.08285%(D) 30.240% 30.240% Purch/Adv thru 12/15/2004 $3,462.88 0.08285%(D) 30.240% 30.240% ADVANCES Standard Adv $0.00 0.08285%(D) 30.240% 30.240% 09/09105 $3875.80 $3875.80 SITE:KC-CL TM:CO-5000 ACID:KCB5076 MA NT - -• MAMM ` O 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 CRI" Card Account Number 5424 1801 5998 2740 Customer Service: I-800-S66-5000 BOX 6500 SIOUX FALLS, SD 57117 0 Sale Date Post Data Raleraw Total Credit Line Available Credit Line $3500 $0 Statement/ Amount Over Closing Date /15/2005 credit Una $375.80 Number Activity Since Lim Cash Advance Limit Available Cash Limit $3500 $0 $584Post e 5 a' Standard Purch 8/15 LATE FEE - JUL PAYMENT PAST DUE 66 0000 8/15 OVER CREDIT LIMIT FEE 62 0000 8/15 PURCHASES*FIHANCE CHARGE•PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 8/15 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 LI t• Your late fee was based on your account balance as of the payment due date (08/09/05), which was $3,704.66. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday,.7 am to 4 pm, or,Saturday. 8 an to 5 pat, Central Time. Please give us the opportunity to assist you. New Balance $3875.80 Minimum Amount W. $3875.80 39.00 0000000000 35.00 0000000000 5.17 0000000000 91.97 0000000000 EXHIBIT a? Previous {+) Purchases (- Payments 1+1 FINANCE = New Account Summary Balance & Advances & Credits CHARGE Balance PURCHASES $3,704.66 $74.00 0.00 $97.14 $3,875.80 ADVANCES $0.00 $0.00 0.00 0.00 0.00 80 V TOTAL $3,704.66 $74.00 0-00 7.14 $3,8 5. $ Days This Blllln Perlo& 31 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance C harge Rate APR PERCENTAGE RATE Standard Purch $199.62 0.08353%(D) 30.490% 30.490% Purch/Adv thru 12/15/2004 $3,551.83 0.08353%(D) 30.490% 30.490% ADVANCES Standard Adv $0.00 0.08353%(D) 30.490% 30.490% 10/10/05 $4051.42 $4051.42 SITE:KC-CL TM:CO-5000 ACID:KCB5076 a& 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi'b Card Account Number 5424 1801 5998 2740 Custom4r Service: 1-800-756-4000 Total Credit Line Avakable Credit Lkw BOX 6500 $3500 $0 Statement/ Amount Over SIOUX FALLS, SO Closl7 Date Credit Lim 57117 09/15/2005 $551.42 V' l • Cash Advance Limit Available Cash Limit New Balance $3500 $0 $4051.42 pureh/Adr Minimum Past Oue $726.09 i?Inimum Dee 1145.62 Amount Due $4051.42 Standard Purch 9/15 LATE FEE - AUG PAYMENT PAST DUE 66 0000 9/15 OVER CREDIT LIMIT FEE 62 0000 9/15 PURCHASES•FINANCE CHARGE"PERIODIC RATE 84 0000 Purch/Adv Thru 12/15/2004 9/15 PURCHASES'FINANCE CHARGE•PERIODIC RATE 84 0000 Your 1 to fee was based on your account balance as of the payment due date (09/09/05), which was $3,875.80. 39.00 0000000000 35.00 0000000000 7.24 0000000000 94.38 0000000000 Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. 'Ir EXHIBIT Account Summary Previous +) Purchases (- Payments +) A (= New Balance & Advances & Credits CHARGE Balance PURCHASES ADVANCES $3,875.80 $0 00 $74.00 0.00 0 00 $101.62 $4,051.42 TOTAL . $3,875.80 . 0.00 $74.00 10.00 .00 $101.62 .DO $4.0$1.42 Days This Billing Period: 31 Rata Summary Balance Subject t Finance Charge o Periodic R t Nominal ANNUAL PURCHASES a e APR PE RCENTAGE RATE Standard Purch Purch/Adv $279.79 0.08353%(D) 30.490% 30.490% thru 12/15/2004 ADVANCES $3,644.97 0.08353%(D) 30.490% 30.490% Standard Adv $0.00 0.08353%(D) 30.490% 30.490% 10/06/03 $4498.11 $633.02 SITE:KC-CL TM:CO-6300 ACID:KC09290 03/30/06 0!:27:17: CITI CARDS P.O. BOX 6106 ROLAND R MORTENSEN S HACKENSACK. NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Charter Rebates Account Number 5424 INS 5123 1985 PAraEST most SE NUEIVES NY 1:00 PM LOCAL 71eE 00 .10106/2003 shibm" k/Cb oins Dow Tow Cram Lbw AV W Mi Croft Lim 09/10/2003 $4000 $0 CV& 1, $498.11 + For C{ baw sMkei call! or writR 1-800-967-8500 O r"e" "10""n arnt 80X 6500 "erraev. cwmea SIOUX FALLS SD "Armw"To"d` 57117 . Cw6Adq - Limit AMas" Cash Ufa Aim fthw" $1200 $ 0 $4498.11 Pad DUO ??? ? YYitnum Due Kb*.. AWN 0. $236.91 t $98.00 = $833,.02 Stanidard Porch - '9/10 LATE FEE - AVG PAYMENT PAST DUE 35.00 9/10 66 0000 OVER CREDIT LIMIT FEE 0000000000 29.00 9/10 8 RCHASS0000 ESS"FINANCE CHARGE•PERIODIC RATE 9.04 0000 0000000000 Parch/Adv Thru 09/10/2001 9/10 PURCHASESOFINANCE CHARGEePERIODIC RATE 73.10 84 0000 0000000000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 64.04 Earned this Month 0,00 Redeemed/Expired 0.00 Current Balance 64.04 Your account fs wst due and your balance is over the credit fine. To ensure you continue to receive the many benefits of yyqur cardoembership, please send the Minimum Amount Due shown. If you have already sent us this payment. thank you. EXHIBIT Aeeount &=rn ary rev + Purchases Payments + Now Balance 6 Advances ?fi Credlis CHARGE B ee PURCHASES ADVANCES 54,341.93 (64.00 10 1 00 10.00 00 0 $92.14 30 0 TOTAL. $4,341.97 $64.00 .00 0 7 . 0 $92.14 0.00 $4,498.11 P This tasin Perked: 30 -Rata Summary Finence Charge Rate Periodic APRs PCtleE4Yiac VArr MASL:S rrdvPorch $827.54 0.07668%(D) 27.990% 27.990% NOES 09/10/2001 $3,SS8.80 0.06847%(D) 24.990% 24.990% ndard Adv $0.00 0.07668%(D) 27.990% 27.990% 11/04/03 $4338.25 $448.30 SITE:KC-CL TM:CO-6300 ACID:KCB9290 son= 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 648 WOODLAND 07606-8106 MT MOLLY SPOS PA 17065-1927000 Citi Driver's Edge' Card eoo967 I-8010-90-8SO0 O01 °`"'t' Charter Rebates Ae24 IBM 5 4 T.,..dY1Ma an.. ,1«. Walk11 ai?aM fwparrv?PWI%Na BOX 6500 SIOUX FALLS, SD wesr MS It PECe98Ee tr 1:00 rr LOCAL rlrE ON 11i04/2003 rA $7117 StatanW A%d" ode ToW Ceade Lbw $4000 AvaSa6Y Cndn LIM $0 CnhAdvaee L*4 Avon" Cam Li new Dam= s0 $4338.25 $1200* 10/10/2003 p Cr: tWr PatOw p??/ MMt?au R. MlnlmrnAnwrd ow $336.25 + $14.91 + $95.14 = $448.30 9/1T ; 43672235 10/10 10/10 10/10 10/10 PAYMENT THANKdYOU i Adjust Mnts 70 0000 0000 Standard Purch LATE FEE - SEP PAYMENT PAST DUE 66 0000 OVER CREDIT LIMIT FEE PURCHAOSES*FINANCE CHARGE*PERIODIC RATE 84 D000 Purch/Adv Thre 09/10/2001 PBURCHASESS*FINANCE CHARGE*PERIODIC RATE * C1TI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Lest Month's Balance 64.04 Earned this Month 0.00 Redeemed Expired 0.00 Current ,lance 64.04 Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 59.46 rebates will expire on DECEMBER 31, 2003 Your it is past due and your balance is over the credit line. To ensure you continue to receive the many benefits of your cardmembership, please send the Minimum Amount Due shown. If you have already sent us this payment, thank you. -320.00 35.00 0000000000 35.00 0000000000 19.64 0000000000 70.50 0000000000 Use your Citibank credit card to rent a car from Hertz and•enfoy great savings in the U.S. and around the world! Call 1-800-654-2200 and mention your Citibank Mertz CDP number 160005. EXHIBIT c ROLAND R MORTENSEN solo D.W pmt D.t. Edemm omber Acu ty 0Lwt 7tdo w•t A° Accotmt ? rwtoua + Balance & ses Advances sym s ACredlts E4) FIKANCE CHARGE a Now Belance _ PURCHASES CES $4.498.11 $ 0.00 " $3?p0.00 = 0.14 14 $9 $4,338.2S 2 33 TOTAL $4,4".111 0.00 $ =320.00 90. 5 34, 8 O& Vs This BW Pedc* 30 Rats Summwy ask=* subjed to Flnenc• Charge or c Rate orn a APR PE ANNUAL RCENTAGE RATE_ I Purch $053.81 0.07668%(D) 27.990% 27.990% '09/10/2001 $3,432.25 0.06847%(D) 24.990% 24.990% . en n n n7aanytrm 77.990% 27.990% 12/04/03 $4266-99 $365.73 SITE:KC-CL T03/30/060 ACID;KC89241T: MOM CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 646 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi` Driver's Edge' Card Charter Rebates ACCDunt Nember 5424 1805 51Z3 1985 PAYMENT MesT It atcctrta IV 1:00 w LOCAL TIME 01 I1/04/:003 sedemedlaos rq Doh Tow em" Lim Avon" Credt Lim 11/10/2003 $4000 $0 V=W $266.99 + 10/30 1 44472630 it/10 11/10 11/10 For Cudomar Senks. aI or write 1-800-967-8500 -mPvfr.gwr..-ft BOX 6500 ft da "on"o SIOUX FAL LS, SD rmtee.a VWTM6L 57117 Cash Admwe Unk AealaMe Cash Limit Nee eatana $1200 $0 $4266.99 PM Due qq Mh1NWMNiim M7Nmm Amasd Due 50.00 + $98.74 = $365.73 Payments Credits S Adjustments 7PAY0000 MENT %AUK YOU 0000 Standard Pureh OVER CREDIT LIMIT FEE PURCHAES*FINANCE CHARGE*PERIODIC RATE 84 0000 Pureh/Adv Thre 09/10/2001 8 RCHO'FIMNCE CHARGE*PERIODIC RATE * CITI DRIVER'S EDGE CHARTER MEMBER REBATES -TOTAL Last Month's Balance 64.04 Month Earned thy,i 0.00 i Redeemetpi red 0.00 Current eDalance 64.04 Your account balance is over the credit line. Please pay the Mintatuta Amount Due shown before using your card again. If you have already sent us this payment, thank you. Our records show home phone 717-486-3997 and business phone 254-287-0724. Please update above coupon if incorrect. -200.00 X5.00 0000000 X1.77 71.97 OOODOOOD00 Your Citi MasterCard could turn your holiday shop- stupendous! Nhea was the last to somethin i i /? g nq f n r and ed a vacation filled witTaught ou en o ti ; j y me y fun with friiends or family? 11/1 through 122//31 2003. f EXHIBIT /www.mastercard.com For details visit https: , Account Summary revwus (TI re osea Payments (+) FIMMCE Balance i Advances -iA Cred CHARGE - New Balance PURCHASES $4.3 $ 5.00 $200.00 S 3.74 $4,266.99 ADVANCES TOTAL 0.00 $0.00 0.00 $4.3 8.25 55.00 $200.00 = 3.74 $0.00 $4,266.99 De This Ban Perlock 31 Rate Summary Be ante Subject to K is Nominal ANNUAL Finance Char Rate APR PERCENTAGE RATE Standard Purch $915.68 O.OT668%(D) 27.990% 27.990% Pureh Adv thru 09110/2001 $3.390.85 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv $0.00 0.07668%(0) 27.990% 27.990% 01/05/04 $4427.19 $621.25 SITE:KC-CL TM:CO-6300 ACID:KCB9290 03130/06 oI: n:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 0100 Driver's Edge' Card Charter Rebates Account Number 5424 1805 5123 1985 PATbKNT MOST DE RECEIVED ET 1:00 PM LOCAL TINE ON 01105/2004 ftaboment/clo" Date TOW Cade LkW Avedebhr Cr&A LMa 12/18/2003 $4000 $O A=Wr 5427.19 + rot Custaw smk% ak or weft 1-800-967-8500 T.r+.+W"Ww M BOX 6500 0i11ia"M°a""%1 SIOUX FAL LS, SD ast Rwva Tr OOIMI. 57117 Cash Advam LMt Aval" Cash Lhnk New swan" $1200 $0 $4427.19 Pat Do MYirimAd pw MU&.A.W Ow $98.06_+ $96.00 a $621.25 12/01 88888888 Payments. Credits i Adffustaaats HWAR SETTLEMENT 0 -5 D SC TZ 99 9N 8 0 58.5854 -.68 Standard Parch 12/10 LATE FEE - NOV PAYMENT PAST OUE 35.00 OO 12/10 DYER CHIT LIMIT FEE 35.00 12/10 8 RCH?#FINANCE CHARGE•PERIODIC RATE ?? 21.84 4 Purch/Adv Thrtr 09/18/2001 12/10 RCH s•FINANCE CHAR6E•PERIODIC RATE 69.04 8 0000000000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 64.04 Earned t is Month -0.01 Redeemed Expired 0_00 Current lance 64.03 This statement includes a credit for your portion of the settlement in the Schwartz lawsuit. Your account is past due and your balance is over th credit line. To ensure you continue to recelye the many benefits of your cardmembership, please send the Minimum Amount Due shown. It you have already sent us this payment, thank you. Please see the enclosed Notice or Change in Terms to Your Card Agreement for important information regarding c anges to your card Agreement. EXHIBIT aq ROLAND R MORTENSEN Sub Dab Pat Date IN1w=w owbor Act11Al? Slaw Lot = = MOM Account Summary Previous t sawice 6A Purchases Advances sym i Credits (+) FIRANCE CHARLIE ¦ NOW Balance PURCHASES $4 266.99 $70.00 HN :y0.68 $4.42z7.19 ADVANCES $0.00 ?p.00 JO ¢0.0 0 iQ.00 TOTAL $4,266.99 670.00 0.68 =90.68 $4,427.19 De Thtr Bllli Perlo* 30 Raft Summary a nce e o Finance Charge Periodic Rate Nominal APR P ANNUAL ERCENTAGE RATE Purch $949.46 0.07668%(D) 27.990% 27.990% 9/10/2001 $3,361.07 0.06847%(D) 24.990% 24.990% ?- -- - ••---.- » eomc 77.000% 02/03/04 $4489.49 $680.85 SITE:KC-CL TM:CO-6300 ACID:KC69290 MINOR 11111 SIMON= 03/30/06 01:27:17: CITI CARDS P.O. BOA 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 648 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 CHI! Driver's Edge' Card Charter Rebates Account Number 5424 3805 5123 1985 PAYWIT MST BE PECEIVEO ET 1:00 PIN LOCAL TINE 011 02/0312004 5tatM%"*/cbda0 Oats Total ema Lhr Aval" CrNM Lhr 01/09/2004 $4000 $0 A` unt OYSr $489.49 + 12/11 43034549 1/09 1/09 1/09 1/09 Z CvAaarr Sarrk+. aaE or W" 1 -800-967-6500 T. rwnssar..w? NNW BOX 6500 ra+..ra NM4dnasea SIOUX FALLS, SD ""*s.-r-wh` 57117 cash Advaap LNW Aval" Carh Lbra IMm adano 11200 $0 $4489.49 Pat Due M=A Dun MaYnum M.,.t Oua $94.06 + $97.30 = 2680.85 PaymenYMENts iYOU i Adjustments 70 0000 0000 Standard Purch LATE ? DEC PAYMENT PAST DUE OVER CREDIT LIMIT FEE 62 0000 PURCHASES'FINANCE CHARGE'PERIODIC RATE 84 0000 Parch/Adv Thro 09/10 2001 PURCHASES'FINANCE CA GE'PERIDDIC RATE 84 0000 " CITI DRIVER'S EDGE CHARTER MEMBER REBATES 'TOTAL Last Month's Balance 64.03 Earned this Month 0.00 Redeeaxd Expired 59.46 Current glance 4.ST Citi Driver's Edge Charter Me=mber rebates expire 3 years after they are earned. Expired rebates will be deducted cross your rebate account. 59.46 rebates ex Fred on DECEMBER 31 2003 1.48 rebates wi41 expire on DECEMBEN 31, 2004 Your account is pest due and your balance is over the credit line. To ensure "a continue to recetve the many benefits of your cardssessl+ership, please send the Minimum Amount Due shown. If you have already sent us this payment. thank you. -100.00 35.00 0000000000 00000000005.00 00000000 03.38 68.92 0000000000 EXHIBIT 3" A Summary Previous t nce r c am Advaneas an & CredHs + CHARGE - New Balance PURCHASES CfS T $419 ,,: S 000 0 $11)0.00 .30 $920 9 $4,489.49 OTAL $4,427.19 0.00 : $100.00 . 2.30 $ $4.489.449 Days TMs 8" ftrkxk 30 Rate Summary Mdit u eee • a Subject to Finance Charge c Rate amnia APR PERC ANNUAL ENTAGE ATE Purch $1,016.27 0.07668%(0) 27.990% 27.990% X4/10/2001 $3,355.36 0.06847%(D) 24.990% 24_990% Adv $0.00 0.07668%(D) 27.990% 21.990% 03/03/04 $4658.62 $954.11 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 628 WOODLAND 07606-8106 MT HOLLY SPOS PA 17065-1927000 Citi° Driver's Edge0 Card Charter Rebates Account Nymbar 5424 1105 5123 1985 PAYMENT mitT RE RECEIVED RT 1500 !M LOCAL 1IaE 01 01/07/2004 5ftWM AX1hSIre O8b TOM CndR UW AV898W Crog Liar 02/09/2004 $4000 $0 656.62 + , ad or wr& For Csrt?nrl S?McO8500 1 -800-967- *-?? -+? BOX 6500 #A SIOUX FALLS 50 -'P"=wYWrWft , 57117 call[Advamm uYan AvaYOiN Cdh LMdt #W RW"a $1200 So $4655.62 Pad Ow WA. N ' Mwimm Anrtnt Din $191.36 + $104.13 = $954.11 Standard Parch 2/09 LATE OFOEO G JAN PAYMENT PAST DUE 00000000005.00 2/09 OVER CREDIT LIMIT FEE 35.00 62 0000 0000000 2/09 PURCHASESOFINANCE CHARGE•PERIODIC RATE 0 26.41 84 0000 2/09 PURCHASES•FINANCE CHAR26EOPERIODIC RATE 702.72 84 0000 when you pay your bill by check, you authorize us to electronically process your payment. If your check is processed electronically, your checking account way be debited on the saga: day we receive the check and it will not be returned with your checking account statement. If someone other than must give al COPY of this noticeyto your bill, payment is sent to us. • CITI DRIVER'S EDGE CHARTER MEMBER REBATES 'TOTAL Last Month's Balance 4.57 Earned this Month 0.00 Redeemed/Expired 0,00 Current Balance 4.57 Your account is past due and your balance is over the credit line. To ensure you continue to receive the many benefits of your 2 cardRa:mbership, please send the Mimi Rw Amount Due J shown. If you have already sent us this payment, EXHIBIT thank you. Accoistt Summary Previous S l t Purchases - aym s (4) ?1 ME : ear e mer & Adyane.s & Cradlts CHARGE Balance PURCHASES ADVANCES ;4.a 9,49 0 ' 0 =770.00 O 0 S =0.00 $99.13 $4,658.62 TOTAL . $4,41i. 4 9 .0 5770.00 VO00 $0.00 $0.00 $99.13 =0,00 :4,658.62 Ratio Scott teary _ oaience wmiect to Finence Charge Periodic Rate omino la?Tl APR PERCEN AGE ?t/RCMASES Standard Purch Pur h d $1,111.13 0.07668%(D) 27.990% 27.990% ru 09/10/2001 t 0VANCES ;3,426.15 0.06847%(D) 24.990% Z4.990% Standard AAy $0.00 0.07668%(D) 27.990% 27.990% 04/02/04 $3834.49 699.98 SITE:KC-CL TM:CO.6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card ha„er Rebates 5424 1605 5123 1985 Censer Service: 1-8pQ-967-85011 Total credt Une Avakbk Credt Llee case Adva¦ a Uffilt Avell4b2 Cash Lurk 6 5 1 $4000 $ $1200 $165 Box 6506 w ?n t p wr oa a ? V ww Q SIOUX FALLS, SO 51117 t 03/09 ndtt . /204 10.00 t o" {0.nt00 ttl n + 199.98 = 3/08 61726265 3/09 3/09 3/09 C tip Mew ealaeee #3834.49 Pags»ts Credits i AdfustalIats PAYMENT fF1ANK YOU -954.11 70 0000 0000 Standard Parch LATE FEE - FEB PAYMENT PAST DUE 35.00 0000 CHARGE*PERIODIC RATE 6 RCH o ? .73 0000 Purch/Adv Thra•09110/2001 eFINANCE CNARGE•PERIODIC RATE RCH 68.25 ? PU 0000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES 'TOTAL Last Month's Balance 4.57 Earned this Month 0.01 Redeemed/Expired 0.00 Current Balance 4.58 EXHIBIT 3(-` Account Summary ev us Balance + ure ases 6 Advances - aym a & Credits TIFINANCE CHARGE - ew Balancs PURCHASES CES 64.6?QBB u $ 5.00 00 6 $954.11 $94.98 53,834.49 TOTAL 64.658.62 5.0 0 6954.11 694.98 63,834 49 Rate Summary Balance Subject Periodic Nominal ANNUAL Finance Charge Rate APR P EgCE[iTAGE RATE PURCHASES Stand rd Purch i 61.201.95 0.07668%(D) 27.990% 27.990% Purch Adv thru 09/10/2001 63,437.17 0.06847%(D) 24.990% 24.990% ADVANCES Standard Adv S0-00 0.07668%(D) 27.990% 27.990% 05/03/04 $4049.38 $139.02 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS P.O. BOX $106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Citl ghp&er R ebates 5424 1805 5123 1985 ClrstmW Si rvice: 1-800-%7-4500 %tal Cr@0 Unv AvMkW CndK Lint Crib Adw¦ca Uagt Avalhbie Cash LWA s0 $1200 $0 New snl¦nce 38 $4049 $4000 . BOX 6500 SIOUx FALLS, SO Stet"WOU Meoaai Over Pmmh/Adv cstet. CreW Uea Past ewe swe a• 0 7W 7 minlow nt Due 57117 4 $49.38 + $0.00 + 89.64 0 04/08 2 = 139.02 Sub Dab ftaDab a41w9W*NVN1 W Actimpam"LatiA"maat AwwM Payants Cradils E Adjustalaats PAAYMENNTfNAMK YOU 00 -100 3/31 42009029 . 0000 TO 0000 Standard Purch 3/17 3/17 *YTTPJWP PAYPAL *ROGERHUMMEL 402 935 7733 CA 19.75 61 A8999US 1065 78429504077 3/17 3/17 OPF401VP PAYPAL *LEGENOTIME 402 935 7733 CA 39.99 61 A56519S 1065 78429504077 3/17 3/17 JYTTPJWP PAYPAL *INDIVIDUALS 402 935 7733 CA 70.51 61 A8999US 1065 78429504077 4/03 4/03 31ANSIWP PAYPAL *TBONEISBACK 402 935 7733 USA 100.00 61 AS6510S 1065 78429504094 4/08 RCHA*FINANCE CHARGE•PERIODIC RATE 8 29.85 4 0000 0000000000 Purch/Adv Thru 09/10/2001 4/08 8 RCN SEEO FINANCE CHARGE*PERIODIC RATE 54.79 0000000000 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 4.SB Earned this Month 4.61 Redeemed/ Expired 0.00 Current Balance 9.19 Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates will expire on DECEMBER 31, 2004 EXHIBIT ? Aecourlt Summary Previous + Purcluses a"*n a G d + RKANCE CHARGE - ew () N" 8alaneo _ S ants Cre its 9e1ance PURCHASES $3.8 4.49 $2 0.25 0 00 .00 $I??00 $04.64 $4.Q49.38 TOTALCES $3.89.49 . 25 ?? $100.00 $84.64 $4,049 38 Rat• Summary Be lance Subject Finance Charge Periodic Rate Nominal APR P ANNUAL ERCENTAGE RATE PURCHASES Standard Purch $1,297.44 0.07668%(D) 27.990% 27.990% Purch/Adv thru 09/10/2001 $2,667.44 0.06847%(D) 24.990% 24.990% ADVANCES Adv $0.00 0.07668%(D) 21.990% 27.990% 06/02/04 $4038.21 $136.06 SITE:KC-CL T03/30/060 ACID:KOCB92917. loom WNNW CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 C iti Driver's Edgea Card Ch rter Rebates on lh 5424 1805 5123 1985 customer servtac 1-800-967-8500 Total credit une Avaaable Croft une $4000 so 650 Statement/ AeweolOrer SIOUX FALLS. SO 01 a Date credt Urre 57117 05/10/2004 238.21 + CIT, a Cosh Aerente UrNt AraRoble Ce A LWA New Bounce $1200 $0 $4038.21 4st Due MI wmn one meant 0,00 + 197.85 = 136. bat Dote INtwesoe Numb" Acm* am Last iwaamaet Payments. Credits A Adjmstments ANK YOU Y -139.02 5/05 42230425 70 0 00 0000 0 5/10 Standard Parch MEMBERSHIP FEE MAY 04-APR 05 0.00 70 00000 00000 5/10 LATE FEE - APR PAYMENT PAST DUE 35.00 " 0000 0000000000 5/10 a RCHASES*FINANCE CHARGE•PERIODIC RATE 4.66 0000000000 Pureh/Adv Thru 09/10/t001 5/10 •FINANCE CHARGE•PERIODIC RATE RCHA 8 ? 8.19 5 4 O p ???? 0 • CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 9.19 Earned this Month 0.00 Redeemed/Expired 0.00 Curren! Balance 9.19 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to yyour account as of that day, and payments must con[ore to the payment instructions set forth on the reverse side. All conforming payyments received at the gayment processing facility after that time will e credited as of the following bank business day. Our records show home phone 717-486-3997 and business phone 254-287-0724. Please update coupon if incorrect. Notice of Change in Driver's Edge Rebate Program Terms. You will have 90 days from your vehicle purchase or lease date to complete and return the 2 Vehicle Redemption Form. EXHIBIT ?J Notice of Change in Driver's Edqe Rebate Program Terms. Tile may change Program rules, restrictions or benefits, in whole or in part, with 30 days prior written notice. We may also terminate the Program or portions thereof with 30 days prior written notice. ROLAND R MORTENSEN sub aab Pot "M nde ow t1ua?Nr ACW" shn LM UdW"et Aaaait Now will you pay your Citi Card bill ca h if8so 436f2678n Mk ted happens? Call us at Account Slm ovary rim= i Purchases 6 Advances - aym a Creeps i MINANCE CHARGE s Now Balance PURCHASES CES :4,049.38 $ 5.00 $ $1 9.02 ; 2.85 $4,038.21 TOTAL 0 9 38 5 00 4 0 2 6 0 8 2 $4. 4 . . 13 2 $9 5 $ 3 4, . 1 Rate Summary Standalyd Purch $1,412.61 0.07668%(D) 27.990% 27.990% Purch/Adv thru 09/10/2001 $2,655.73 0.06847%(D) 24.990% 24.990% •nv?YrC? 07/05/04 $3982.06 $88.85 SITE:KC-CL TM:CO-6300 ACID:KC89290 boom 03/30/06 01:27:17: CITI CARDS P.O. BOX $106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Cite Driver's Edge' Card I1• C1t! Charier Rebates $424 1805 5123 1985 customw-swwlm_ 1-800-967-B560 Total Cradlt :4000 Llea Avsaat k croaA Lim Cash AOvaaw Limit Amiable Cash Limit $17 11200 $17 Maw aalob $3962.06 BOX 6500 statsamt/ Ameaet ver SIOUX FALLS, SD al Dets nan Lfna vrst oa. 7 7 W Parch/Arv u11room Oas mire ow Ar ' 37117 06/0 2 OO t $0.00 t 04 ;s8.85 = 85 . ag Sub Data Poo Date ltwt wv Num Nr A9W4ty taaoa Last Stsft~ Awaak Paraunts Credits B AdJUStaleats NK YOU E T R I -140 00 6/03 43778181 M NN ? A AA . O 0000 70 Standard Purch 6/08 RCHA SESOFIMANCE CHARGE•PERIODIC RATE 32.14 84 O 0?0? 00 HAR O FI O 6/08 G E ES• •PERIODIC RATE HAWCE C 84RCCHAS 51.71 ? 0 = CITI DRIVER'S EDGE CHARTER MEMBER REBATES 'TOTAL Last Month's Balance 9.19 Earned this Month 0.00 Rtdeemed/Expired 0.00 Current Balance 9.19 EXHIBIT 3? Account SumiInary Previous + urc Balance !k Advances sym s A Crilfts- _ + CHARGE Now' Balance PURCHASES $410 8.21 0 0 0 $140.00 $83.85 $3 9 2.06 ANCES TOT 1 :0 0 8.21 0 . AAL $4,0 .0 $140.00 $83.85 $3,982.06 D812 This BgN Perblt 29 Rate Summary Is lance ee to ' ar c Nominal ANNUAL F inanceCharge Rate APR PERCENTAFRATF Purch $1,445.52 0.07668%(D) 27.990% 27.990% Iv 09/10/2001 62,604.30 0.06847%(D) 24.990% 24.990% Adv $0.00 0.07668%(D) 21.990% 27.990% 08/03/04 $4018.18 $113.15 $ITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:2T:17: CITI CARDS P.O. box 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-192T000 Citi' Driver's Edge' Card Charter Rebates 5424 1805 5123 2985 i-R00-967-8500 TOW Croft UP* AwNabk CmM Use BOX 6500 $4000 $0 SIOUX FALLS, SD caJ c:t? A ci s w . STi17 07/09/204 $18_18 + ati? C* A Advtaee Walt AvaNable Cash umn New 0419KO $1200 $0 $4018.18 Pereh/Adv Mlelnwm Poet them DV* ' M1 1 Aaaaat Due 10.65 + . 12 = 1 97 %113.15 7/05 43680256 Pa watts Credits S Adjustments PAYMENT THANK YOU 70 0000 0000 Standard Parch T/09 LATE FEE - JUN PAYMENT PAST DUE 66 0000 7/D9 PURCHASES*FINANCE CHARGE*PERIODIC RATE 84 0000 Porch/Adv Thru 09/10/2001 7/09 PURCNASES*FINANCE CHARGE*PERIODIC RATE 84 0000 * CITI DRIVER'S EDGE CHARTER MEMBER REBATES *TOTAL Last Month's Balance 9.19 Earned t is Month 0.00 Redeemed Expired 0.00 Current Balance 9.19 Citi Driver's Edge Charter member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates will expire on DECEMBER 31. 2004 -88.00 Please see the enclosed privacy notice for important information. Fast Online Card Pa nts with Click-to-Pay Pay your Citi card bill online anytime, day or night Payments received by 2 p.m. EST will post that same business day! Sign-on to citicards.com and choose the Make a Payment menu. 35.00 OODOOOODOO 34.60 0000000000 54.52 OOOOOODODO EXHIBIT 3?P Account Suronary Previous + urC aces - em s MY FIRXIME a eyy Balance G Advances G Credits CHARGE Balance PURCHASES ADVANCES S3,9 2.06 0.00 $ 5.00 0.00 5 8.00 5 9.12 0.00 0.00 $4.0 8.18 0 00 TOTAL $3,9 2.06 5.00 588.00 $ 9.12 . $4,018.18 Rate Summary oa+wxe au0ject TO Finance Charge Periodic Rate Nominal APR p ANNUAL ERCEWAGE R ATJ PURCHASES Stand rd Purch Purch/Adv $1,442.51 0.07737%(D) -- 28.240% . 28.240% thru 09/10/2001 ADVANCES $2.568.45 0.06841%(D) 24.990% 24.990% Standard Adv $0.00 O.OT737%(D) 28.240% 28.240% 09/03/04 $3996.3T $97.19 SITE:KC-CL TV:CO-6300 ACID:KCB9290 03/30/06 01:27:ST: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA IT065-1921000 Citia Driver's Edge' Card Charer Rebates 5424 1805 5123 1985 calm &MM City 1-800-947-BSGO Total CM11; Una AvanaMe Ctidet UM Cash Adraam Limit Ardtaela r.aah Limn plow Oatasca $4000 $3 $1200 $3 $3996.37 BOX 6500 SIOUX FALLS, SO tolnaat/ Cl? Dato Aaoant Over rain Una Pat Delp PnfthlAiv M De* 10 ft a Ow 57117 OS/10/2004 10.00 + $0.00 + 97.19 = 97.19 $61000M Past ad. Mfanna Nua Mr Aatwy mKo tat Statapaant AftwM 7129 1 42718531 8/10 8/10 -114.00 36.33 0000000000 55.86 0000000000 EXHIBIT 3T Acewm! Sunwaary revlous + es - ayman i PIPME a Now Belancs L A dvantot t Crates CHARGE Balance PURCHASES CES $4.0 8-.0 0 f00:800 31 4.00 392.19 $3,9 6.37 TOTAL :4. 18.28 00 $1.00 $92 19 $3,96.37 Da TNs B P**d: 32 Rate Stm•n•ry a sutgact to Finance Charge Periodic Rate --Nominal APR PrRcrKTAar R&Tr PURCHASES Stan Ord Purch Purch Adv $1.467.39 0.07737%(0) 28.240% 28.240% thru 09/10/2001 $2,549.26 0.06847%(D) 24.990% 24 990% ADVANCES . Standard Adv $0.00 q.0T73T%(D) 28.240% 28.240% Payyments Credits i Adjustments PAYMENT THANK YOU TO 0000 0000 Standard'Purch PURCHASES'FINANCE CHARGE*PERIODIC RATE Purch/Adv Thru 09/10/2001 PURCHASES•FINANCE CHARGE*PERIODIC RATE 84 0000 * CITI DRIVER'S EDGE CHARTER MEMBER REBATES &TOTAL Last Youth's Balance 9.19 Earned this Month 0.00 Redeemed/Expired 0.00 Current Balance 9.19 Good Mewsl Due to your recent payment performance we are lowering your Annual Percentage Date (APR) to our standard APR. You will see the new APR on your next statement. Is your account protected it something unexpected happens? Call us at 1-866-247-0534. We can help! 10/04104 $3983.12 $91.75 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 VT HOLLY SPGS PA 17065-19Z7000 Citi' Driver's Edge' Card /1a ab SWI er Rebates 5424 1805 5123 1985 Custol"Of Surtrka: 1-800-967-8500 TetM Credit $4000 Lim AalWk Credk Line Cash Advent. Limit Availabk Cnh Limit $16 $1200 $16 New ealowe $3983.12 501 6500 over Statemew Am4wot Past Dw It0 SIOUX FALLS, SD C bate W / ParWAdv )M mam Do* mkdwmm ApowA bw 57117 09/09 0 + 04 i $0.00 + OO 91.75 = 91.75 sear Date Pat Date a WW" Man ner Adwj gate tat statenaat namaat 0/30 62527647 'arram?ats Credits Q Adjustments 'fmax YOU PAYMENNT -100.00 OO 0000 To 00 Standard Parch 9/09 PURCHASES•FINANCE CHARGE•PERIODIC RATE 16.33 84 0000 0000000000 Parch/Adv Thrw 08/10/2004 •FI ODIC RATE CE E+ E 42 9/09 BURCNASO NAN CHARG P RI . O 0000000000 ***Driver's Edge Charter Member Rebate Summary. Previous Statement Rebates Total 9.19 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 Lifetime Rebates Earned 80.26 Bonus Rebates may take one to two billing cycles to appear an your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. IMPORTANT INFORMATION ABOUT CREDIT REPORTING: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTE6 IN YOUR CREDIT REPORT. Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. Is your account protected if something unexpected happens? Call us at 1-866-Z47-0360. Vic can help! EXHIBIT 3? ROLAND R VORTENSEN StN Data Paat Ottt nalarnaet NrrrrNr A4Wl slra LW 0d-"M Awwaet Account Sumanary n ous Balance sets i urc & Advances - syms + Credits CHARGE ¦ Now Bslarxe PURCHASES CES $3.996.37 0.00 .00 10 $1? .00 $F 0:750 00 $3,9683.12 3 1 TOTAL $3.996.37 0.00 . $100. S $3,9$ . 2 Rata Summary rW n%.nnaca Standqrd Purch $994.08 0.05477%(D) 19.990% 19.990% Purchidv 08/10/2004 $3,007.67 0.07805%(0) 28.490% 28.490% anvtrrFS name 10 oarm 11/02/04 $3984.39 $98.02 SITE:KC-CL Tai/30/060 ACID:KKC0929i7. INISM RMNIM CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, N3 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card Lha pr Rebates 5424 1805 5123 1985 i-s00-967--500 "I Credit LI•e $4000 Aralleft Cndn Lin $15 ush AOra•cs Llmk 61200 BOX 6500 SIOUX FALLS. SD S7117 statement/ cl•st,? Dat 10/11/2004 AmearA Over a GO + ?hst Due + _ a"? 00 atta Aw0101e Cash Umn thw aalaace $15 $3984.39 T•rchlAh M•Imam I? MIS 96 02 = 982 Parsledts Credits a Adjustmants 10/01 42560429 ?OVME?00 ANK YOU 000a Standard Purch 10/11 PURCHOSEESO*FINANCE CHARGE*PERIODIC RATE Purch/Adv Thru 08/10/2004 10/11 84RCNAASSE050•FINANCE CHARGE*PERIODIC RATE ***Driver's Edge Charter Member Rebate Sutmnary*** Previous Statement Rebates Total 9.19 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 Lifetime Rebates Earned 80.26 Bonus Rtbates my take one to two billing cycles to appear on your statement- Please refer to the specific term and conditions pertaining to the promotion for further details. Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates will expire on DECEMBER 31. 2004 Is your account protected if something unexpected happens? Cali us at 1-866-303-0847. We can help! -91.75 00000000007.57 75.45 0000000000 EXHIBIT 3q Aeeaeslt Stammwy rev ous t P Balance S A urchases dvances aynl S Credits t FINKNEE CHARGE ¦ ew Balance PURCHASES $3.9 3.12 0.00 $91.75 $93.02 $3,944.39 ADVANCES 0.00 1 0.00 1 $O.OD s0.00 .00 10 - TOTAL $3.9 3.12 0.00 $91.75 $93.02 39 $3,9 4 Da This BDa Per10(t 32 Rah Surnenary Balance Subject o Periodic omlro ANNUAL Finance Charge Rate APR PER CENTAGE RATE Purch $1,002.28 0.05477%(D) 19.990% 19.990% v 08/10/2004 $2,994.41 0.07874%(D)- 28.740% 28.740% Ady $0.00 0.05477%(D) 19.990% 19.990% 12/03/04 $4006.56 $94.58 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS P.O. Box 8106 ROLAND R MORTENSEN 5 HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-192T000 Citi` Driver's Edge' Card As"M ati0 Charter Rebates 5424 1805 5123 1985 906ernK SefvlCe: 2-800-967-8500 Total Credit $4000 Lkw Avaaatft Croft Use Can Afvaaot Llmn Avanabh cash Llmft $0 $1200 t0 New silence $4006.56 80716500 statataant/ Amalmt Over SIOUX FALLS. SO c1r,?a Oala 4raek Lena ast out ? ParcA/AH Ma?wum DCre MWAMM At s" 57117 11/08/Zi 0 4 16.56 + 0.02 + 188.00 = 94.58 Sala Dots Pat Deb RNnnl is NOMW A4k" Ana Lett itdWNMt Maouet 10/29 43882383 Ps??rrw?tts Credits i Adjustments P A NNHAMK YOU -98.00 7 O 0000 0000 11/08 LATE FEE - OCT PAYNENT PAST DUE 39.00 11/08 oFINANCE CHARGEOPERIODIC RATE 8 RCBAE 015.29 O Pureb/Adv Thrill 0811012004 * • 11108 PURCNASES FINANCE CHARGE PERIODIC RATE 65.88 84 0000 0000000000 oooDriver's Edge Charter member Rebate Summary- Previous Statement Rebates Total 9.19 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 9.19 Lifetime Rebates Earned 80.26 Bonus Rebates way 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 late fee was based on your account balance s of the payment due date (11/02/04), which was E3, 886.39. The Annual Percentage Rate on your account is subject to increase and your ability to redeem or earn Citi Driver's Edge Card rebates may be suspended when you fail to make a payment a us or anyy other creditor when due, exceed yonr credit limit, or slake a payment to us that is not honored by your bank. Our records show home phone 717-486-3997 and business phone ZS4-287-0724. Please update coupon it incorrect. EXHIBIT Life Happens. But bills like this don't have to. When life-changing events interrupt your income or strain your budget, Credit Protector gives you some breathing room when it comes to your account payments. To enroll. call 1-866-88S-1229. 01/03/05 $4034.07 $130.91 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: now= i?? CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi Driver's Edge' Card ..prier Rebates 5424 1805 5123 1985 Customer Service: 3-800-967-8500 Total credit Lkn AWkbk Credn tact BOX 6500 $4000 $0 ttatimm"if Amwal SIOUX FALLS, SD clod Dah tndH se 57117 12/09/2704_ $34.07 + Cltle Cash Advance Limit Available Cash Limit How 14188c* $1200 $0 $4034.07 Pwth/A4V Mh*"M Put Due 50.00 Ml?tnun oeo + 196.84 = wAwt but 130.91 Payments Credits i Adjustments YMEN T HANK YOU 00 -101 12/02 43475471 A . O 0000 7 Standard Purch 11/08 11/09 YBPKGQWP PAYPAL *TCPATTV 402 935 T733 CA 15.85 61 B8999US 2222 S54Z9S04313 11/08 11/09 JFCZMWVP PAYPAL *GLENROSEMUS 402 935 7733 TX 20.62 61 B594SUS 2222 55429504313 12/09 E5 OFINMCE CHARGE*PERIODIC RAPE AS 8URCH 8.12 O 0 0000000000 Purch/Adv Thru 08/30/2004 12/09 •fINANCE CHARGE*PERIODIC RATE 84RCHA 72 0 O . 000000000 ***Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 9.19 Base Rebates Earned O.T3 Total Rebates Earned This Period 0.73 Total Rebates Available 9.92 Lifetime Rebates Earned 50.99 Bonus Rebates may take one to two billing cycles to a ear on your statement. Please refer to the spectVic terms and conditions pertaining to the promotion for further details. HAPPY HOLIDAYS FROM ALL OF US AT CITI! We'd like to take a moment to thank rou for being a Citi Card member and lot you know that we appreciate your business. warmest wishes for the upcoming year. Life Happens. But bills like this don't have to. when life-changing event interrurt your income or strain your bu ge Cred t Protec or gives you cone breathing room when it cones to your account payments. To enroll, call 1-866-273-1386. EXHIBIT 41 ROLAND R MORTENSEN SAU Date Past Date RNNena Wmter Ac"W" SLa Lart WYwt Awmu* Account Summary PrivioLm + _ Balance 6 Purchases Allying" - Payments & Credits (4) FINANCE CHARGE ¦ Now Balance PURCHASES $4,006.56 $ 6.67 S1 1.00 $ 1.a4 $4,0 34.07 CES AL 0 56 00 1 :s .00 TOTA L $4 06. f 6.67 $10 . $ 14 $4,03 7 DUB Thb anq Perfot 31 Rate Summery Balance e to Periodic om ns ANNUAL Flnance Chwge Rats APR pE RCE ff[ GE RATE Standard Purch $1,067.47 0.05477%(D) 19.990% 19.990% Purch/Adv thru 08/10/2004 $2,994.17 0.07942%(D) 28.990% 28.990% AOYANCES, •e en A Acw774ein% IQ Conk 10.990% 02/02/05 $3997.99 $99.91 SITE:KC-CL TM:CO-6300 ACID:KC09290 03130/06 01:27:17: NNEW NO ?1111 Nor= CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK, NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card Chrler Rebates 5424 1805 5123 1985 Casbanar earYke2 8500 800 1- --9696T- tote 0041W LIM kraaabk Cr.attlnt Cash Ad"Mo t.Nrrit 0 AYin1618 Cash I.Imn $2 $4000 $2 $120 6 SOX SIOUX FALLS, SO 5 Stateme CIeN?9 Dato Ar*"d Apver MI L4» ppram vim Purch/Adv 1101 mom Darr Ti 17 01/10/2005 MIA + 10 .00 + 399.91 atia Now Balance $3997.99 599.91 12/30 43588190 Psyyrents. Credits A Adjustment& 70YME??THANK YOU 0000 -130.99 1/10 Standard Purch PURCNASES*FINANCE CHARGE*PERIODIC RATE 84 0000 18.22 0000000000 1110 Purch/Ady Thre 08/10/2004 PPURCH?S*FINANCE CHANGE'PERIODIC RATE 84 00000000006.69 -Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 9.92 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Expired 1.48 Total Rebates Available 8.44 Bonus Rebates any 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. Citi Driver's Edge Charter Member rebates expire 3 years after they, are earned. Expired rebates will be deducted from your rebate account. 1.48 rebates expired on DECEMBER 31 2004 1.00 rebates will expire on DECEMBER 31, 2005 Good News! Due to your recent payment performance we are lowering your Annual Percentage Date (APR) to our standard APR. You will see the new APR an your next statement. EXHIBIT ?a" ROLAND R MORTENSEN gar oaa Poet eeta Rdwowe numMr Acth" Slave Lest glat WWA ArwwA Aecomt Summary WIDUs + P balance 6 A urchases dvances - Payments 6 Credits (+) FINANCE CHARGE - Now Balmnca PURCHASES 4.07 $4,0? 0.00 ;1 0.99 i 4.91 $3,997.99 TOTAICES p 07 j 0 00 1 J0 90 $4.034. . 0.99 $ $ .91 7.99 $3, Da TAIf Baa Pariod; 32 Rae Summery Balance subjoct to Periodic om a ANNUAL Finance Charge Rate APR p ERCENITAGE RATE PU Standard Purch $1,039.57 0.05477%(D) 19.990% 19.990% Purch/Adv thru 08/10/2004 $2,991.50 0.08011%(D) 29.240% Z9.240% ADVANCES lav en-An 0.05477%(0) 19.990% 19.990% 03/03/05 :3928.7$ $86.00 SITE:KC-CL TM:CO-6300 ACID:KCB9290 affmw 03/30/06 01:27:17: CITI CARDS P.O. BOX 8106 ROLAND R MORTENSEN S HACKENSACK. NJ 628 WOODLAND 07606-8106 MT HOLLY SPGS PA 17065-1927000 Clti' Driver's Edgee Card ?r• atl Lh rimer Rebates 5424 1005 5123 1985 ashaw %rriaet 1-800-%T-8500 utat credit uee $4000 AaasNw Credit Lino Cash Advance Limit $71 $1200 Awllahh Cash Limit $71 Now salaam $3928.75 sox 6500 statemeatf SIOUX FALLS, SO CVAN" Amami *war dN Line Pant DUO Pareh/Adv 0re Aa W Ana nleai A?rern Oue 5711,7 02108 10.00 $0.00 + .00 = 6 186.00 saw Date Post Date neNream me ter AcM tT since Let ataatMat Amount 1131 1 62049189 2/08 2/08 Payments, Cradits A Adjustments PAYMENT TO OOOHANK YOU 0000 Standard Parch PURCHASES'FINANCE CHARGE'PERIODIC RATE 54 0000 Parch/Adv Thru 08/10/2004 PORCHASES•FINANCE CHARGE•PERIODIC RATE 84 0000 ***Driver's Edge Charter Member Rebate Su anary*•o Previous Statement Rebates Total 8.44 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 8.44 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. Please see the enclosed Notice of Change in Terms to Your Card A reement for important information regarding chianges to your card Agreement. Use your Citi Driver's Edge card to pay your car insurance. It's a convenient way to consolidate bills and earn rebates. Call your insurance provider and pay your car insurance with your Driver's Edge Cardl -150.00 10 0000000000 .61 70.15 0000000000 EXHIBIT -13 Account Summary Previous + Purchases Payments C-+) FINUCE = New Balance & Advances A Credits CHARGE Balance PURCHASES CES 13.9 7.99 9 0.00 0 00 $1 0.00 $00.76 ;3,9 8.75 TOTAL 7.99 $3, 1 0.00 00 $110.00 $80.76 $3.98.75 0a This 00N Parlod: 29 Rata Summary Balance SuW to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE d?d Purch $996.46 S 08110/2004 $2.994.09 rd Adv $0.00 0.03671%(D) 13.400% 13.400% 0.08079%(D) 29.490% 29.490% 0.05614%(D) 20.490% 20.490% 04/04/05 $3908.79 $86.00 SITE:XC-CL T03/30/060 ACID:KCB27917: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 1T06S-1927000 Citi' Driver's Edge' Card @LrAer Rebates 5424 1605 5123 1965 Brrvlec td!E MK 1-500-967-6500 TOUT credit Line Avenebk Credn Line $91 tuh Ad+aace Unn $1200 Available Crib LW* $91 $4000 BOX 6500 SIOUX FALLS. SD statement/ 205 9 Amount over 44 OOe Ifa' 0 ?PurcWAdv + 0 86 00 57117 03/0 / + $0 0 ` 1 2/28 62433485 3/09 3/09 PAYMENTaTHANK YOiI i Adjustments 70 0000 0000 Standard Purch 84RCHFINANCE CHARGE*PERIODIC RATE 0000 Purch/Adv Thru 06/10/2004 PURCHASES*FINANCE CHARGE•PERIDDIC RATE 84 0000 ***Driver's Edge Charter Member Rebate Summary*** Previous Statement Rebates Total 8.44 Base Rebates Earned 0.00 Total Rebates Earned This Period 0.00 Total Rebates Available 8.44 Bonus Rebates may take one to two billing cycles to appppear on your statement. Please refer to the speciiie terms and conditions pertaining to the promotion for further details. important Information: Please see the enclosed Notice of Change in Rebate Terns and Conditions for changes to the Driver's Edge Charter Member Rebate Program. Get added security with a free Citi(R) photocard. Personalize your Citi Card with your photo. It's a great way to prevent unauthorized use of your card. And. it's FREE: So send us your best shot. EXHIBIT Previous i Purchases - Payments +) FINANCE = New Account Summary Balance 6 Advances 6 Credits CHARGE Balance PURCHASES $3.98.75 0.00 $100.00 10 SE.04 $3,9 8.79 O A CE .00 $290 00 580 04 9 S 9 $3 T T L $3.928.75 . . , Da This Ba Period: 29 Ruda Summary Balance Subject Finance Charge erro is Rate Nominal APR ANNUAL PERCENTAGE RATE PURCHASES Stand rd Purch $946.97 0.03671%(D) 13.400% 13.400% Purch/Adv thru 08/10/2004 $2.996.02 0.08079%(0) 29.490% 29.490% ADVANCES Standard Adv $0.00 0.05614%(D) 20.490% 20.490% atla now sel"Ce $3908.79 Mini um A Due 86.00 AMMINt -100.00 10.08 0000000000 69.96 0000000000 05/03105 $4096.61 $313.35 SITE:KC-CL TV:CO-6300 ACID:KCB9290 o 03/30/06 01:27:17: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, OH 628 WOODLAND 43218-3056 NT HOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card Sher Rebates 5424 1805 5123 1985 Castoo SargIM 1- B00-917- 6500 told C"t uns kmftw Cram Lbe Box 6500 $4400 $0 stattn OLU Amousl 0nr SIOUX FALLS. SD Csta DA Cr.rk Lima 57117 04/08/2U05 598.61 + 4/D8 3/10 3/10 7LMKZ1*P 3/11 3/11 QSHJZOMP 3/18 3/18 SC2PLZ87 3/22 3/22 KZL6VGG3 4/08 1 4/08 1 CI?e C+sh A604W LW ft AvauabM Cosa Lhnk Now $aim" $1200 $0 $4096.61 .t00 + 11 8 74 = $3131 5 Standard Purch LATE Fes- MAR PAYMENT PAST DUE PAYPAL *SKILLJAM 4029357733 CA 61 15734US 2222 PAYPAL -TORMADOTOYS 4029357733 CA 61 B8999US 2222 RYAN'S OF NANOVER 1394 KANOVER PA 61 B5812US 2222 VOLUNTEERS OF AMERICA WILKES BARRE PA 61 0569WS 2222 PURCHASES-FINANCE CHARGE-PERIODIC RATE 84 DOOO Purch/Adv Thru 08110/2004 PURCHASES•FINANCE CHARGE-PERIODIC RATE 64 0000 -•-Driver's Edge Charter Member Rebate Summary--- Previous Statement Rebates Total 6.44 Base Rebates E reed 1.32 Total Rebates Egarned This Period 1.32 Total Rebates Available 9.76 Bonus Rebates may take one to two billing cycles to apppe?ar on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Citi Driver's Edge Charter Member rebates expire 3 years after they are earned. Expired rebates rill be deducted from your rebate account. 1.00 rebates will expire on DECEMBER 31. 2005 Your late fee was based on your account balance its of the payment due date (04104/05), which was 13,971.87. The Annual Percentage Rate on your account is subject to increase and your ability to redeem or earn Citi Driver's Edge Card rebates may be suspended when you fail to make a payment to us or any other creditor when due, exceed your credit limit, or make a payment to us that is not honored by your bank. 39.00 0000000000 20.85 55429505069 12.21 55429505070 15.67 55547515078 17.35 55436875082 11.14 0000000000 73.60 0000000000 EXHIBIT 4'J ROLAND R MORTENSEN Sob alto rest nrb nofamme Mambor Aca ft mme tet st.baieat Amount FREE SERVICES FOR CITI CARDMEMBERS. Manage your Citi card account online securely. anytime - whether you want to check your balance, see it a paymnt seas received or pay your bill. Register now at www.citicards.com Amos MMT Previous Purchases balance s Adrancss A sym s Credits + F1NAWE CHARGE • Now Balance PURCHASES $3,908.79 $1 5.08 0.00 4.74 $ $4.095.61 ADVANCES $0.00 0.00 1 0.00 1 10.00 $0.00 TOTAL 5.08 $3,908.79 $ 0.00 $84.74 $4,09B.61 This Wing Parlock 30 Rate Summary ¦ ante • to Periodic Finance Charge Rate Nominal APR P ANNUAL ERCENTAGE RATE Purch $993.17 0.03740%(D) 13.650% 13.650% tionoo-d $3,070.93 0.08148%(D) 29.740% 29.740% Adam $0.00 0.05682%(D) 20.740% 20.740% 06/03/05 $4338.64 $703-46 SITE:KC-CL TM:CO-6060 ACID:KCB9290 CITI CARDS PO Box 183056 ROLAND R MORTENSEN COLUMBUS. ON 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Citi Driverts Edge' Card Uh er Rebates 5424 1805 5123 1985 C gmmr Sernloa: 3-800-388-2200 'total Credit line 0 Aral"k credit tine s0 Cash Advance Limit $1200 AvalWk Cash Limit so 0 $40 BOX 6500 SIOUX FALLS. SO satame"I el"I Date Anmal ow Credit um ?l?st an penh/Ady ?palm+m oae 47117 05/09 /205 $338.64 + $214.74 ; 5150.08 = 5/09 5/02 5/02 IIJH7200 5/09 5/09 5/09 C A0.0 ip Neat valance $4338.64 Standard Pureh LATE FEE- AN PAYMENT PAST DUE 00 PROPL20947303 800-338-3815 WY 61 N5969USA r OVER CREDIT LIMIT FEE PURCHAASSES-FINANCE CHARGE-PERIODIC RATE 84 0000 Parch/Adv Thrill 08/101ZO04 PURCHASES-FINANCE CHARGE*PERIODIC RATE 84 0000 Please note that payments must be received by 1:00 p.m.. local time, on a bank business day at the pa ment processing facility that handles your paymen?s, in order to be credited to our account as of that day, and payments must conform to the payment instructons set forth on the reverse side. p Alpledasconfgroving ments received at the beyccrreditsof9thsc ttollowingafter anthat usinne will day. If you have not received your new card, please Call customer Service number on this statement. Your late fee was based on your account balance Is of the payment due date (05/03/05), which was 4,158.S6. The Annual Percentage Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to wake a payment to us or any other creditor when due¦ you exceeded year credit lino or you made a payment to us that was not honored by your bank. Our records show home phone 717-486-3997 and business phone 254-287-0724. Please update coupon if incorrect. 39.00 0000000000 59.95 75414915123 35.00 0000000000 27.46 0000000000 78.62 0000000000 EXHIBIT ?' ROLAND R MORTENSEN sob Date Peet Dots fletwo roe Nuaear AdWK, Owe Let stetsenst AMWM Previous t Purchases (- Payments = New ?? Account Balance &Advances &Gredits CHARGE Balanct PURCHASES CES $4,0 8.61 1 $1 3.95 1 00 it .OB 4.3)5.64 08 6 1 TOTAL 8.61 $4,0 3.95 $ $4,336. 4 10.00 5 . Oavs This 91111ea Period: 31 Rate Summary Balance Subject to Perwarc nommai ANNEAL Finance Charae Rate APR PERCENTAGE RATE. Stand$rd Purch :1,078.05 0.08216%(D) 29.990% 29.990% Purch/Adv thru 08/10/2004 $3,086.99 0.08216%(D) 29.990% 29.990% ADYAlICES? *n nn n AA210CRfM 79.99fNi 29.990% 07/04/05 $4524-51 $1045.20 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:27:17: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 17065-1927000 Car Driver's Edge' Card Ch r& er Rebates 5424 1805 5123 1985 1-600-6"-9900 rout Crean one $4000 Areasbk Creak Up* $0 BOX 6500 SIOUX FALLS. SD 57117 Statement! M270058 te 06/0 Aiesen Ovw Cre uea $524.51 + tech AdMW VrOt Arelkbk Cask Linn $1200 t0 364 82 + Standard Porch 6/09 LATE FAO MAY PAYMENT PAST DUE 66 6/09 OVER CREDIT LIMIT FEE 0000 6/09 PURCHASES•FINANCE CHARGE+PERIODIC RATE 84 0000 Purch/Adv Thru 08/10//2004 6/09 PBORCHAO?eFINANCE CHARGE•PERIODIC RATE Your late fee was based on your account balance s of the payment due date (06/03/05), which was 1,338.64. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options- Call Monday - Friday, 7 am to 9 pin. or Saturday, 8 am to 5 Pe, Central Time. a ti* Nam palm" $4524.51 AUDIMM Amos" " 51045.20 000000000309.00 DOOOD0000D5.00 31.Z2 0000000000 80.65 0000000000 EXHIBIT +T Account Summary Previous + urc ases nMtn s (+) FINANCE ow aIKKA aI AdyA {cas A Crodlts CHARGE Balance PURCHASES ADVANCES $4,3 .64 0 N0 0 $50p00 $111.87 $4,524.51 TOTAL 00 1 $4,338.64 0 XO 4.00 $0.00 50.00 50.0 #111.87 50.00 $4,524.51 Rate Summary vain;; auupcs sv Finance Charge rwHMIC Rate nommat APR P ANNUAL ERCENTAGE RATI PURCHASES Standaa?rd Purch Purch/Adv :1,225.95 0.08216%(D) 29.990% 29.990% thru 08/10/2004 $3,166.58 0.08216%(D) 29.990% 29.990% ADVANCES Standard Adv $0.00 0.08216%(D) 29.990% 29.990% 08103/05 $4720.02 :4720.02 SITE:KC-CL TM:CO-6300 ACID:KC89290 samm ANN .. W 03/30/06 01:27:18: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS. ON 628 WOODLAND 43218-3056 MT MOLLY SPGS PA 17065-1927000 Citi' Driver's Edge' Card 0.%* at# Charter Rebates ACWA* W~ 5424 1805 5123 1985 C=Wmr Sehftu I-800-966-9900 T910 c"dit Llna Available Cmdn Use $4000 $0 Cash Advents smelt $1200 Avanable Cash Linnn $0 Now among* $4720.02 90X 6500 statewo?/ .y Date SIOUX FALLS. SO A-tpy K . Credit hst Out ffYfGb?Adv t?,?Munn on* NMUwpm Amount Due 1 / 57117 07/11/Z005 2 $720.02 $520.69 1165.51 54720.02 7/11 LATE FEE JUN PAYMENT PAST DUE 339.00 66 0000 OOOOODOOO O 7/11 ER O 0DIT LIMIT FEE 5.00 3 62 0 000?? 7/11 RCHA?*FTNANCE CHARGE*PERIODIC RATE 35.35 8 00 Parch/Adv Thra 09/10/2004 7/11 *FINANCE CHARGE*PERIODIC RATE P URCH 16 0 B O . 000000000 Your late fee was based on your account balance payment due date (07/04/05) which was s of t , i 5 Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm. or Saturda 8 am to 5 pm, Central Time. ortunit o Pl e ive us the o to assist pp g y y eas u. T EXHIBI Account Summary rev ua + Purchases - Payments (+J FIF[AkCE CHAR a Now Balance & Advames 4 Cre s GE Balance PURCHASES ;4.524.51 $74.00 $0-00 1.51 $1 ;4.720.02 ADVANCES s0.00 2 0.00 0.00 $0 1 10.00 =0.00 TOTAL 64,5 4.51 $74.00 .00 $121.51 $4,720.02 Rata Summary Damme aueiecs w renooic Nominai ANNUAL Finance Charge Rate APR prDerMTA,r:r oaTr dgrd Purch 61,333.17 0.08285%(D) 30.240% 30.240% bru 08/10/2004 $3,249.92 0.08285%(D) 30.2401 30.240% dard Adv $0.00 0.08285%(D) 30.240% 30.240% 09/05/05 ;4873.75 =4873.75 SITE:KC-CL CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43216-3056 MT HOLLY SPGS PA IT063-19ZTOOD TM:CO-6300 ACID:KC89290 03/30/06 01:27:18: e' Card Citi' Driver's b d &41.%o ati e s Ch Farter IN h Reba 54Z4 1805 5123 1985 Custoelar Servilm 1-800-560-5000 Total Credk Line Avail" Credit Um Coo Advme Limit $4000 $0 $1200 Avellable Cash Lhnlt $0 New Balm* $48T3.75 Sox 6504 Statessant/ SI W X FALLS. SD Clg ny Oeh Aaouat Over Cred t Llae Past Duo 75 $686 20 #873 Pereh/Adv Mdmum Due $158 73 NlMawna Aaawd Due 75 $4873 57317 08/09/2005 . . . . sat, Daub Pat Dibe Delorme wjm Mr Add" Ems Lot staftea nt Amount Standard Parch 8/09 LATE FFEE? JUL PAYMENT PAST DUE 8/09 P4RCN?•FINANCE CHARGE•PERIODIC RATE 8/09 PPUUrcRCHASES•FINANCE CHOA/RGGE++RERIODIC RATE 84 0000 Your late fee was based on our account balance as of the Payment due date 08/03/05), which was $4,720.02. Helpp is availablel Please call the toll-free number shown above to leant about our special payment options. Call Monday - Friday, 7 am to 9 pin, or Saturday, 8 am to 5 psi, Central Time. Please give as the opportunity to assist you. 000000000309.00 00000000004.55 000000000080 .0a EXHIBIT Account Sulnnlary ravims +) Balance & A C es F) Paymm dvances & Cradh + FINAW-E CHARGE a Now () Balance PURCHASES $4,7 0.02 $39.00 1 .00 1 $114.73 $4873.75 ADVANCES 0.00 0.00 .DO F $0.00 5000 TOTAL $4,T 0.0Z $9.00 .00 00 $114.73 $4,873.75 D Thb BALI Period: 29 Rate Summery Balance e to ar o c Nominal ANNUAL Flnence Charje Rate APR P ERCENTAGE RATE PURCHASES Standard Purch =1,442.14 0.08285%(D) 30.240% 30.240% Purch/Adv thru 08/10/2004 $3.333.04 0.08285%(D) 30.240% 30.240% ADVANCES Standard Adv $0.00 0.08285!((0) 30.240% 30.240% 10/04/05 65040.55 $5040.55 SITE:KC-CL TM:CO-6300 ACID:KC89290 03/30/06 01:2T:18: CITI CARDS PO BOX 183056 ROLAND R MORTENSEN COLUMBUS. ON 628 WOODLAND 43218-3056 MT HOLLY SPGS PA 1TO65-1927000 Citi' Driver's Edge0 Card h rimer Rebates 5424 1805 5123 1985 Cgatwnar Sao uhm 1-800-756-8000 Total credit Lim AvaNeble tm*t Lim $ 4000 $0 BOX 6500 i at ? ? Over S10UX FALLS, SD C Dat e d CrrediitLi 57117 09/09 /205 0 61040.55 C ti& Crib Advance Limit Avellable Cash Lim It New OaNace 61200 60 65040.55 w i w Past Dw b?I ow D Amemt Dw =844.93 7171.80 $5040.55 SW Date Pmt Owe Relerowe am,bet ActMty Shoe LM Staeeanat Amount Standard Parch 9/09 LATE OE- AUG PAYMENT PAST DUE 0000000000 39.00 9109 PURCHASES•FINANCE CHARGE•PERIODIC RATE 39.31 84 0000 0000000000 Parch/Adv Thru 68/10/ZO04 9/D9 PURCHASESOFINANCE CHARGE•PERIODIC RATE 88.49 84 0000 0000000000 Your late fee was based an your account balance as of the payment due date (09/05/05), which was $4,873.75. Help is available! Please call the tall-free number shown above to learn about Our spec al payment options. Call Monday - Friday, 7 am to 9 pat, or Saturday. 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. EXHIBIT Account Summary rev us + Purchases - ayme s (+) FINANCE (-) Now Beba+ce SAdvance; & Cre s CHARGE Balance PURCHASES ADVANCES $4.873,75 00 170 719.00 0.00 $1 7.80 $5,040.55 TOTAL. . $4,873.75 000 $39..00 0.Do 10.00 0.00 517.80 $0.00 ;5,040.55 gaTance Subject O K le Norninal ANNUAL Rate 5xlmmelry Finance Charge Rate APR PERCENTAGE RATE PURCHASES Stand rd Parch $1,518.07 0.08353%(D) 30.490% Purch/Adv thru 0811012004 $3,417.25 0.08353%(D) 30 490% ADVANCES . Standard Adv $0.00 30.490% 30.4909 0.08353%(D) 30.490% 30.490% c'Ja)b _v5q c No. 05-5857 civil CITIBANK SOUTH DAKOTA N.A. § IN THE COURT OF Plaintiff § COMMON PLEAS VS. § CIVIL ACTION - LAW ROLAND R MORTENSEN § CUMBERLAND COUNTY Defendant § PENNSYLVANIA DEFENDANT'S ANSWERS TO PLAINTIFF'S REQUEST FOR ADMISSIONS TO: Plaintiff, CITIBANK, SOUTH DAKOTA, N.A., by and through its attorney of record, YALE WEINSTEIN, Burton Neil & Associates, P.C., 1060 Andrew Drive, Suite 170, West Cheater, PA 19380. ROLAND R MORTENSEN, Defendant, serves these answers to Plaintiffs, CITIBANK, SOUTH DAKOTA'S Request for Admissions to Defendant made under the North Carolina Rules of Civil Procedure. Respectfully Submitted, ROLAND R MORTENSEN Pro Se 628 Woodland Ave. Mount Holly Springs, PA 17605 DEFENDANT'S ANSWERS TO ADMISSIONS 1. With reference to the monthly billing statements for defendant's credit card account number 5424184159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. Denied. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit 2. Defendant admits that after receipt of the monthly billing statements marked exhibits 1-18 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 3. Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. RESPONSE: Admit 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statement. RESPONSE: Admit S. Defendant admits that balance owed on account number 5424180159982740 is $4,051.42. RESPONSE: Denied 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Denied b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE: Denied C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. Admit 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 4450 defendant did not send a payment to plaintiff. RESPONSE: Admit 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statement. RESPONSE: Admit 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55_ RESPONSE: Denied 11. Defendant admits that the total balance owed on both accounts is $9,091.97. RESPONSE: Denied Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and connect to the best of the undersigned my knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date: ZdC Roland R Mortensen CERTIFICATE OF SERVICE I certify that I sent a copy of the Defendant's Original Response to Plaintiffs Attorney of record as listed below on " - 2006 by the method(s) indicated below. GLAND R ORTENSEN Citibank, South Dakota N.A., represented by Yale Weinstein, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, STE 170 Certified Mail Delivery Service West Chester, PA 19380 X Tele: 610.696.2120 Fax Transfer Personal Delivery Fax: C Pow C-n-5 CITIBANK (SOUTH DAKOTA), N.A., IN THE COURT OF COMMON PLEAS F Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v . CIVIL ACTION - LAW ROLAND R. MORTENSEN, Defendant . 05-5857 CIVIL TERM ORDER OF COURT AND NOW, this 22nd day of November, 2006, upon consideration of Plaintiff's Motion Pursuant to Pa. R.C.P. 4014(c) To Determine Sufficiency of Defendant's Answers to Requests for Admissions, and following a proceeding at which the Court determined that the Defendant's answers to requests for admission were insufficient, Defendant is afforded a period of 20 days from today's date within which to serve upon Plaintiff's counsel full and adequate responses to the Plaintiff's requests for admissions. By the Court, W6 ey Oler, Christopher E. Rice, Esquire Ten E. High Street Carlisle, PA 17013-3015 For the Plaintiff Roland R. Mortensen, Defendant Pro Se 628 Woodland Avenue Mt. Holly Springsl7065-1927 Burton Neil, Esquire 1060 Andrew Drive, Ste. 170 West Chester, PA 19380 ?l ' UMN FROM RECORD VININE pcb ' TM*ftWW1WeQ1. "WP U MO set ply WO the of saw ;ar#Sle EXHIBIT r No. 05-5857 civil rb-1 CITIBANK SOUTH DAKOTA N.A. § IN THE COURT OF Plaintiff § COMMON PLEAS VS. § CIVIL ACTION - LAW ROLAND R MORTENSEN § CUMBERLAND COUNTY Defendant § PENNSYLVANIA DEFENDANT'S ANSWERS TO PLAINTIF'F'S REOUEST FOR ADMISSIONS TO: Plaints CITIBANK, SOUTH DAKOTA, N.A., by and through its attorney of record, YALE WEINSTEIN, Burton Neil & Associates, P.C., 1060 Andrew Drive, Suite 170, West Chester, PA 19380. ROLAND R MORTENSEN, Defendant serves these answers to Plaintiffs, CITIBANK, SOUTH DAKOTA'S Request for Admissions to Defendant made under the Pennsylvania Rules of Civil Procedure. Respectfully Submitted, ROLAND R MORTENSEN Pro Se 628 Woodland Ave. Mount Holly Springs, PA 17605 ('7 N ry ° Q -- rn T - 1 9 Z -= C'1 M ! Cn f N N -< EXHIBIT CERTIFICATE OF SERVICE I certify that I sent a copy of the Defendant's Original Response to Plaintiffs Attorney of record as listed below on - 2006 by the method(s) indicated below. ROLAND R MOR NSEN Citibank, South Dakota N.A., represented by Yale Weinstein, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, STE 170 West Chester, PA 19380 Tele: 610.696.2120 Certified Mail Delivery Service x d5 L!/L Fax Transfer Personal Delivery Fax: DEFENDANT'S ANSWERS ]'O ADMISSIONS 1. With reference to the monthly billing statements for defendant's credit card account number 5424180159982740 with plaintiff copies of which are attached hereto as requests for admissions exhibits 1 through 25: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE: Admit that the statements are accurate until April 2005. Deny that statements after that date are accurate. In April 2005 I gave power of attorney to the CDC Christian Debt Consultants. The CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees and then increased the interest to an excessive rate. The CDC asked for a signed copy of the original agreement and any other subsequent agreements or amendments pertaining to the calculation or computation of interest and fees, and received no response from Citibank. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE Admit that this statement is accurate until April 2005 at which time I gave power of attorney to CDC Christian Debt Consultants. Deny that this statement is accurate after that time as CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees. I have only now have been provided copies of those statements by Citibank's lawyers. I thought the account was closed as asked by the Christian Debt Consultants. C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit this is true with respect to the bills actually received by me. IN* . 2. Defendant admits that after receipt of the monthly billing statements marked exhibits 1-18 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 3. Defendant admits that after receipt of the monthly billing statements marked exhibits 19-25 defendant did not send a payment to plaintiff. RESPONSE Denied, I never received monthly statements after enrolling with the CDC I assumed that they were forwarding them to the CDC as directed to do by the CDC. On billing statement exhibit 19 there is an entry payment $100.00 as you state in your Request number 4 below. 4. Defendant admits that the last payment made on the account was posted by plaintiff on March 7, 2005 and is reflected in the exhibit 19 monthly billing statements. RESPONSE: Admit after that date I enrolled with Christian Debt Consultants and they were acting in my behalf. 5. Defendant admits that balance owed on account number 5424180159982740 is $4,051.42. RESPONSE: Denied, because I had given power of attorney to the CDC Christian Debt Consultants in April of 2005. The CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees and then increased the interest to an excessive rate. My balance in April of 2005 was $3175.71 when I started working with the CDC. 6. With reference to the monthly billing statements for defendant's credit card account number 5424180551231985 with plaintiff copies of which are attached hereto as requests for admissions exhibits 26 through 50: a. Defendant admits that the detail set forth in each monthly billing statement accurately reflected for the monthly billing period defendant's use of the account and accurately reflected all charges and credits to the account. RESPONSE Admit that this statement is accurate until April 2005 at which time I gave power of attorney to CDC Christian Debt Consultants. Deny that this statement is accurate after that time as CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees. I have only now have been provided copies of those statements by Citibank's lawyers. I thought the account was closed as asked by the Christian Debt Consultants. My balance in April of 2005 was $3908.79 when I started working with the CDC. b. Within 60 days after defendant's receipt of each monthly billing statement defendant admits that no writing or other communication disputing, protesting or objecting to any of the charges or credits appearing in the monthly billing statements was sent by defendant to plaintiff. RESPONSE Admit that this statement is accurate until April 2005 at which time I gave power of attorney to CDC Christian Debt Consultants. Deny that this statement is accurate after that time as CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees. I have only now have been provided copies of those statements by Citibank's lawyers. I thought the account was closed as asked by the Christian Debt Consultants. C. Defendant admits that with respect to each monthly billing statement, a written billing error notice was not sent to plaintiff. RESPONSE: Admit that this is true with respect to the bills that were actually received by me. 7. Defendant admits that after receipt of the monthly billing statements marked exhibits 26, 27, 29, 31-43 defendant made a payment which was reflected as a credit in the following month's statement. RESPONSE: Admit 8. Defendant admits that after receipt of the monthly billing statements marked exhibits 28, 30, 44-50 defendant did not send a payment to plaintiff. RESPONSE: Denied. I made a payment on exhibit 28 of $200.00. And I made a payment on exhibit 30 for S 100.00.I made a payment of S 100.00 on exhibit 44. Admit no payment made exhibit 45 -50 because they were never received by me. 9. Defendant admits that the last payment made on the account was posted by plaintiff on February 28, 2005 and is reflected in the exhibit 44 monthly billing statements. RESPONSE: Admit 10. Defendant admits that balance owed on account number 5424180551231985 is $5,040.55. RESPONSE: Denied, because I had given power of attorney to the CDC Christian Debt Consultants in April of 2005. The CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The CDC asked for itemized statements in writing and did not receive anything from Citibank either. Also the CDC asked that my account be closed and Citibank continued to place charges onto this account after that date for over the limit fees and late fees and increased the interest to an excessive rate. My balance in April of 2005 was $3908.79 when we asked that the account be closed. 11. Defendant admits that the total balance owed on both accounts is $9,091.97. RESPONSE: Denied, because I had given power of attorney to the CDC Christian Debt Consultants in April of 2005. The CDC sent a letter stating that they were acting in my behalf to settle the debt and asked that all statements be forwarded to them. I have not received a statement or any correspondence from Citibank since that date. The balance on each of these accounts has increased almost $2000.00 since that date all in over the limit fees and late fees tacked on after I asked to have the accounts closed and continued to charge me 29.990 annual percentage rates. The balance on the two accounts combined in April of 2005 totals equaled $7083.00 Verification I, Roland R Mortensen, defendant in the within action, hereby verify that the statements of fact made in the foregoing Requests for Admission are true and correct to the best of the undersigned my knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date:-57 ?) tc e6 Roland R Mortensen Apr,'', 2007 9:40AW Burton Neil & Assoc, 6106964111 BURTON NEIL & ASSOCIATES, P.C. Neil Sarker, Esquire ID. No. 203465 Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorne.y for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff V. ROLAND R. MORTENSEN Defendant No. 4402 P. 2 IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA NO. 05-5857 CIVIL CIVIL ACTION -LAW Affidavit of Citibank (South Dakota) N.A. in Support of PlaintiWs Summitry Judgment Motion I, , am competent and make this affidavit based upon personal knowledge and review of business records described herein. I am employed by Citicorp Credit Services, Inc. (USA), a servicing company for Citibank (South Dakota) N.A. ("Citibank'). I am authorized to make this affidavit on behalf of Citibank in support of its motion for summary judgment. I share custodianship and have access to all of the documents in the possession of plaintiff that are germane to this case. The following statement is true and correct to the best of any knowledge, information and belief. I understand that this statement made is subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to the authorities. Citibank is a national bank located at 701 East 60th Street North, Sioux Falls, South Dakota. Citibank engages in various types of banking business including consumer lending through the issuance of credit cards including the two credit cards issued to defendant with account numbers 5424180159982740 and 5424180551231985. EXHIBIT Asir. 2007 9.410 Burton Neil & Assoc. 6106964111 No-4402 P. 3 In the regular course its business Citibank maintains as a regular business practice an accurate and running computer records of activity on credit card accounts including defendant's accounts for purchases made, payments received, amounts owing, credits and offsets. It was also the regular practice of Citibank to send monthly billing statements to defendant reflecting charges to the accounts for purchases made and cash advances, payments received and amounts owing on such accounts. Plaintiff mailed monthly billing statements to defendant to the address of record it had for the defendant from the month after the credit cards were issued which said statements reflected the charge activity for the current month together with credit for payments, if any, finance, over-limit and late charges, if any. All the charges on the monthly billing statements sent to defendant were correctly calculated. The last payment made on account number 5424180159982740 posted by Citibank was on March 7, 2005. The last payment made on account number 5424180551231985 was made on February 28, 2005. These payments are reflected in the billing statements dated March 16, 2005 and March 9, 2005, which are attached hereto as exhibits I and 2. Subsequent to the mailing of these statements, additional statements were sent to defendant on each account. These additional statements for each account are attached hereto as exhibits 3 and 4. Subsequent to these statements being sent to defendant, no additional payments from any source was received. The total sum due Citibank as of the date of this affidavit is $9,091,97. Date l In making this communication, we advise our firm is a debt collector. Apr,11. 2H7 9:41AM Burton Neil & Assoc. 6106964111 No, 4402 P. 4 04/08/09 $3175.71 $71.00 SITE:KC-C!. TM:CO.5000 ACIP;KC65076 04/26/06 21:44:35; -- ------------ CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 41215-3060 MOUNT HOLLY SPRINGS PA 17065-192T000 Gibe Card t1F Aeewet NUIRer 5424 1801 5999 2740 rraEemsr gym 1,-NO-950- 5x14 Tads C"Olk Ll" ""10 cmat Line mesa Aewmm Umh ArtlNON ieeA UmN $3500 $324 $3500 $384 Now 9414nes $3175.71 BOX 6500 SIOUX FALLS, sn A ¢ AN i ml pumk4dv 900 00 7317 03/I 0.00 e 0 + 8 1.00 = 71 8619 oet. 0001 6016 erel" "W IV eee Amu+10 3/07 62940023 ps meats Credits 8 Adjustments 1?NERT ANK YOU -100.00 OODO 0000 rc /C AA P IN C 3/16 N EO RC 4?"F AN ERIODIC RATE " E . 45 4 9000000001 Life happens. But bills like this don't have to. Safeguard this accoynt wilt gredit Protector! I lfe- y t a C ftQiniLevveentininterrupt?yo ?ninro?mme ores stress your d9et. To moral!, ca 1 I-s66-842-IT32. ««"•« G eat Savinqs fo Our Cardmembersi •"""« Let TruGrreen•Chef Gawn(?) put your money to work. Have more green +n Vaur wallet and in year lawns Green Lawns start 8 1.800.232.3990. «•«•« Crest savings for Our Cardmembersi •**** Termites are a risk for rory home. Net prQteict our lar "t 1?t?es* l m termites, jernn n x(R) j T j mite er rotectian . arts 0 1.800.304.5 14. D ' T tO£ R Y TIRE Al C N on t h ` t n '?d with i flat! ??n i2 Cast 8 -6-77 to re t a ll d f t • ques wa car or a e Lire change - at no cast to you. EveryY day families discover how valuable AcctlenP peatth insurance COULD TO been. C l i- ?0-824.1659 t d il h t d ! a eta o ear s o ay AeeVAt 9sn01firll ous t ure es Gyms s SRI Oct- A Advances $ G NfMK - Now paisnce tSES AP"W AN ES TOTAL _ ia, x a. zs ?p00.00 ifl00p.0p0q g , 8.00 21 $3 :00 . $ 5.4 7 .1 .0 1 . $100 00 .26 i0 7 T a Perim 30 pots $unwary ? a et? sul"Of in- to sr is Nom a Finance Charge Rata APR PEm ANNUAL CLKmff RAn PuRdt- Standd rd Purch Pur h 80.00 0.05041%(D) 18.400% 18.400% Ih hrg 11/15/2004 AOVAN CES 53,213.84 0.05751%(D) 20.990% , 20.990% Standard Adv 80.00 0.05614%(n) 20-490% EX 20 . Apr.'i. 2007 9:41AM Burton Neil & Assoc. 6106964111 No. 4402 P. 5 04/04/05 $3908.79 $06.00 SITS:KC-CL TM:CO-6300 ACID:KC89290 09/80/06 01:27:17: CITI CARDS O Box 1630 ROLAND R MORTENSEN COLUMBUS, ON6 628 WOODLAND 43218-3056 MT MOLLY SPOS PA 17065-1921000 Citi* Driver's Edge0 Card 5ne, or Rebates 9424 1805 5123 1985 cusaomar sera 1-8116- -4500 5400 Line Avallabb 11 BOX 6500 SIOUE FAILS, SD Cn?i a a lia 57117 08/09/2005 0.1 4 + 585.00 a Adj sts>ents Z/28 62433495 F;A W9 0 M1' 1u i O • 100.00 ODa Su?nnder Purch 3109 8 5S•FINANCE CHARGE-PERIODIC RATE CNA 11 0.08 4 0 Q0O0000000 3/09 911RCNwr XANC? CN?ARGE*PERIODIC RATE 9.96 0000000000 &**Driver's Edge Charter Member Rebate So mawas PPr?revi??uu tatement Rehates Total 8.??4??4 ? E Total A? armed This period 0:08 tes T t l R il b bl o a ates va e a.44 e a Bonus Rebates may take one to two billing t eles to app or an youl' statedi tt. Please r ter t? the tai eGltte terms ana con s tn t th p e q s per o e promotion for further detatts. Im??ortant Infarmation: Please see the one ad Na ice 0 fR R bate Terms and Co s for Chan ditio e 1 - e g n n Chonnqq??s o the river Driver's Edge Charter Member Rebate pro all. Get addq# securit WN Persona ze your Ci 7 Ca a frs? Citi;R) photoca rd with our ph to. It rd. s a reat way d it I S ? to revert unautharize on o your se FREE best h t S d card. . s n n . o us your s o . Account ?nwy Balance R Advert es ?j Credits a ± ARCS Ralanee RRcN?15E5 ?IANCES 78,9 6.76 18:75 0.00 MS I ;1??pp.00 00 tj0.04 0 $3 O9C?p.oo7p99 713.9 S :100. slb: 4 :3,906:79 Rata Summary oaumaa auojacc w Flnanee Ch1l rwWo1r. Rat NJRCNASE tanggrd Purch ur d $946.97 0.01671%(D) 08/10/2004 4 thru ;2.986.02 O.Q8QT9%(D) IDYANCES Standard Adv $0.00 0.05610(0) CT11 0 Cash Aennea LM4 Avansilee Call 1AW Now ROOM$ $1200 $91 . $8908.79 13.400% 13.400% 29-49011 29.490% 20.490% 20.490% EXHIBIT AQr,'1, 2007 9:42AM Burton Neil & Assoc. 6106964111 No. 4402 P. 6 05/09/05 $3290.61 $190.90 SITE:KC•CL TV:CO-5000 ACIDACB50T6 04/26/06 21:44:38: CITI CARDS PD BOX 163060 ROLAND 9 MORTENSEN COLUMBUS, ON 828 WOODLAND AVE 43218.3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Clti'b Card 5424 1801 5998 2740 e r K? -400-990- S34 Total crank Una MalftW QMHO Lk* BOX 6500 $35000 $2099i SIOUX FALLS, 50 04/1?/ZO OeS A?`ir0?.0 0a4 41 CI IT, go" Adwna L1mlt A*141e Crib LIMIt Na? a441P40 $3500 $209 $3290.61 .5NWAa Mgnlmm $71 00 + 1119.90 = 1190 90 .00 LATE FEE - MAR 4/14 PAYMENT PAST DUE 39ONO ??0?? 4/14 84RCAliAONO E*?IMIINCE/BARGE+PERIODIC RATE 0QOOOOOM5.90 Your late fee was based on qour a oQunt balance s of the paylreat due date (04/O8?Oo5), which was 3,17SJ The Annual Percents a Rate on youc co nt has been insgreared due ?o one of th@@ Toow?n0 reasons stated in your Card Agreement riith Us: you failed to snake a payment to us or ny ther creditor when due, you exceeded your creel?t line or you made a pAynent to us that was not honored by your bank. Every day IS lies discover how We Accl •ntaj Oea b insurance CoULO haw been. Call i-a00y024-1659 19 hear details today! Aeeaarlt Sulrlmery Brelanee . & Aduvapeen ?& Cried S. C sabulee pyRC11ASES da,175.11 $ 9.00 $ 80 $375 p $3.280.61 ADVANCES ¢0.00 #O.OD 10:00 ss0.9 10.00 TOTAL $3,1 5.71 9.00 10.00 $i5. 0 $3,290.61 Rote Surnnnry rAddVPurch s<O.OD 0.08148%(D) 5 12/15/2004 $3,212.20 0.08148%(D) rd Adv $0.00 0.04144%(D) 29.740% 29.7401E 29.740% 29.740% 29.740% 29.740% EXHIBIT Apr.''. 2007 9,42AM Burton Neil & Assoc. 6106964111 No, 4402 P. 7 06/07/05 $3408.92 $314.31 SITE:KC-CL TM:CO-5000 ACID:KC85076 04/26/06 21:44:38: CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS, OH 6x$ WOOPLAND AVE 43218-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Clti* Card ACCW* NrreOei 5444 1801 5998 2740 gggkmer _ >u s 1-800.558-PP 0 $3500 e nine Mbw C ?0 Lin BOX 6500 ?y 5XOUX PALLS. $0 C "0a1: r°gr t over 57111 05/132 05 0.00 CT11 0 Cish Adam LWA $3500 Avabbh Gsh Limit $0 New naUM $3408.92 Past ON 1190.90 p? / INia+?t U, 0 125.31 a ?t?MwMt?w 5314.21 Standard Porch 5/13 LATE ;ISM APR PAYMENT PAST DUE 5/13 PUNCHASESePINANCE CRARGE«PERIODIC RATE 5113 ?rahSre IF NArwlli /HA1tCPERI00IC RATE 84 0000 Please note that payments must be received by :00 p.m., local time, tm bAnk businoss day at he payYment processing fecielltll that handles your paymtlts, in order to be credited to our account a o that d y, and ppaavvinents must conform to t e payment ?n truet3ehs set forth on the reverse side. All sonorlein0 paylnentj received pt the paysleatpracessing facjl;ty a ter that time will be cr iedted as of the tollawSfq bank bus ness day. Your late fee was based on p ur 4count bo7ance s of the payment due date (nB/0 /05), which was 13,290.61. Your account is two W the past due and your credit privileges have eeett Qiscontintled. Please cc??11 the toll-frte number shown above, Mondry - Friday 7 asn tv 9 pm, or Satttrda .Sam tI S pro, Centra'? Ti If you have alreafy sent on this payment, thank you. 00000000009.00 0000000000 .94 078. 37 0000000 businessrpManeo254 267 09i4.71Plea?seaupdated coupon if incorrect. April, 2001 9:43AM Burton Neil & Assoc. 6106964111 No.4402 P. 8 ROLAND R MORTENSEN a Pe Peat cc NYIM- f Aedrk 51eea t r t staulMI* AO"a mount 6itn wwv OU! ym m ON 6 Cr vN to) AGVWCAESS 53.2 Q MISS 0.00 $ 9.3311 1 $3.4 4 .92 $3 TOTAL, 61 .61 639,00 0.00 5 9.31 . ROW SUMMwv Purch $39.45 0.01216%(D) 29.990% 29.990% 12/1S/2004 $3,214.29 0.06zl$%(D) 294990% 29.990% Adv $0.00 0.08216%(0) 29.990% 29.990% Apr-l'. 2007 9:43AM Burton Neil & Assoc. 6106964111 No. 4402 P. 9 07/31/05 $3541.57 $493.43 SITE:KC-CL TM:CO-5000 ACID:KCB507t5 .o, 04/26/06 Z1:44:38: CITI CARDS PO Box 583060 ROLAND R MORTENSEN COLUM6U4. OH 628 WOODLAND AVE 43218.3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Cie Card atie AccomW Nv~ 5424 1801 5998 2740 ar Sarelea. i-800-a61i-1900 635Cmda 00 unq IwrtirKO cr #Q aax 6500 ntp? Une SIOUX FALLS. SD A50 '?1 41 IN. 81117 06/15 641. ST + tto rd Pureb 6/15 LATE FE MAY PAYMENT PAST WE 6/15 PPURCHAEEO*FINANCE CHARGE*PERIODIC RATE 84 0 6/15 ?RCchd'f NT rA11CE /CNARE«PERIODIC RATE 54 x000 sash Adma LI M1 AVOW# Cub L" New sawnce 63800 $0 S3541.5T 6314.21 M?arel hr + 5137 65 = utnt en 49343 Your into fen was bas" an Your account balance Is of the paytnertt due date (06/07/06), which wRS 3.408.92. Your account is now 3 MONTHS PAST OUR End currently closed. Please call t e toll-free lea naymeent`hltions. call ion aYb Fridays?Tcamlto poi, ar sSaturday. 6 am to 5 pia: Central Time. 39.00 0000000000 0000000000 'it 00000000001•,8 Aseou Stnnmaey lour Balance urc asss & Advanees m .& credits t CRAROE ew Belanes R NCESS $3,4 02 11 :00 1 10.00 0 0 00 06 :00 0 1 On 4 T $ 304 8 .92 . ; 9 100 10.00 19 $ 1.57 63,5 Rate s1ttWlnary o*'?..:? a..ryacs w ?ltlanee Charge ,'iTIWIG Rate 1191ninal APR P AI?ArIUAL elCENTASL RATS PURCHASES Standadrd Purch Ad P h $79.99 0.M26%(D) 29.990% 29.990% v ur 1 hru 12/15/2004 $3.374.13 0608216%CD) 290990% 29.99041 ?OVAMCES Standard Adv $0.00 0.08216%(D) 29.990% 29.990% Apr,!'. 2007 9:43AM Burton Neil & Assoc, 6106964111 No. 4402 P. 10 ACID:KCB50TG 21:44:38: 08/09/05 $3704.66 $3704.66 SITE;KC-CL TM;CO-5000 04/38/06 CITI CARDS PO BOX 183060 ROLAND R MORTENSEN COLUMBUS. OH 626 WOODLAND AVE 43ZLO-3060 MOUNT HOLLY SPRINGS PA 17065-1927000 Citi'* Card A v* Number 5424 1801 5998 2740 Colkamer Sort M 1-800-866-8900 Tern eredlt UrN 00011 CMdn UM 60x 6500 $3500 $0 SHUZ FALLS, SD c? 'r'ecta A era wi S7117 OT/1591(05 $204.68 CNU MWaoe UMN AvaUebh 900 MR, $3500 $0 5451 e86 PIIre.WAdv I13311; St edard Purah 7/15 LAE FEE- JUN PAYMENT PASY DUE QQqqIT LIMIT FEE 7/15 62ER CRIS 7/15 PPURCH?•FINANCE CHARGEOPERIODIC RATE 04 7/15 PURCUff' Adv ANCE /CHAT 004 RATE 84 Yaur late fee was based on ur a count bb lance $$ of the paynent due date 107/1105), wlt Ch was 1.541.57. Help is available! Please Call the toll-free nu;Lr showp above to learn about our special payment optrans. Call Monday - Friday, t. an to 9 pn, or Saturdav. 8 an to g pp ' Cent al Time. Please give us tee opportunity vo assirst you. CIf 0 New OWNR $3704.66 N MEM $3I1M66 Anwar 00001000049.00 35.00 0000000000 0000000000 .02 0000000000 '07 Aeceunt Summary r our Balance Ur asa Advances aym s Y& Credits ew 9alOnce PUItC1tASE8 CES $3,541.57 $ 4.00 00 4 00 9.09 : L O 110 $3,78g4.66 OTAL $3 541.5T I % 66 . . $ 00 0. $3.Y0 Rate Summary AdvPurch $121.56 0.08285%(D) 30.240% 30.240% u 12/15/2004 $3,462.88 0.08265%(D) 30.240% 30.240% rd Adv $0.00 0.08285%(D) 30.240% 30.240% Apr. '', 2007 9:43AM Burto'n Neil & Assoc. 6106964111 No-4402 P. 11 09/09/05 $3875.80 :3875.80 SITE:KC-CL TM:CO-5000 ACID:KC05076 04/26/06 21:44:38: CITY CARDS PO BOX 193060 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND AVE 43218-8060 MOUNT NOLLY SPRINGS PA 17065-1927000 Citi® Card MIMnIMr AM W 5424 1601 $998 2740 3-800.566-8,000 Tout Credit Line Aveft . Credit Line sox asoo 13600 $0 gg* 5* $375.80vor SIOUX 71 7 FALLS. SD 08/l'- 5 CT11 0 Cnh Adimme L1*t Mmil able Cash Lhnn :3500 $0 New 114104"1 $3875.80 q i? re dr 3584.95 s? 1.14 Wilde ?3& 3 BO Standard Purch 8/15 LATE FEE - JUL PAYMENT PAST DUE 39.00 66 coca 8/15 KNANESOFINANCE OVER CRREDIT LIMIT FEE ???033.00 8/15 CMARGEsPERIODIC RATE ?0 0 ?6.1y e/15 S rRtiN 11 ' imAKI C{AASE*PERIODIC RATE 60000000010 91.97 Lo cc your tlthe paydeni due date 1099109 03) , whChnwas 13.704.66. Help is aveilables please call the toll-free llustier sho1?ifl above to Two about ??urYYspecial 4 pyp norohaturdayy,Cgla o ay - pp?FConIi'al7Time o Please give us the opportunrty to assist you. Account Srxntnary ??- ? rev cum Bsiano! chimes & Andr _ r "me o Crs6i ls ME . NOW 9hlenee p CE55 O 6 7 0p LO.00 p p - - 0 TAL T 63,704.6 6 S 4. 0 : % 41 114 $3,A 1 Rate Summwy Pureh 6199.52 0.08353%(D) 30.490% 30.490% 2/15/2004 63,591.83 0.08353%(D) 30.490% 30.490% Adv $0.00 0.0emn(D) 30.400% 30.490% Apr, 2001 9:44AM Burton Neil & Assoc, 6106964111 No,4402 P. 12 10/10/05 $4051.42 $4051.42 SITE:XC-CL YM:CO-5000 ACID:KC55076 04/Z6/06 21:44:35: CITI CARDS PO BOX 183060 ROLAND It MORTENSEN COLUMBUS, ON 625 WOODLAND AVE 43ZIS-3060 MOUNT HOLLY SPRIN65 PA 17065-192TOOO Cities Card Nuig6er A= WA* 5424 1801 5995 2740 grAwr iarrm _ 1LIM .000-756-4000 TOM 3900tL11W AVMNVQV* O •o SIOUX $0 x 6500 Amcre?Yn t?.r 57117 FAi.LSe D9/15 2005 15314 4Z C?I Cash Adraaee Llruit AwI1?01e Cash umn New Baton* X3500 ;0 $4051.42 Star}/arg/g Purapp 9/16 LATE 0000- AtlG PAYMENT PAST Dqt; 0000000000 '00 9/15 OVER CgRIT LIMIT FEE 15690 9/15 PURCH??arINmeE CHAROPPERIODIC RATE O 7.24 B4 0000 0000000000 9/15 PUN? *FIMANCE /CHAT?iEOPERIOPIC RATE 00000000004.35 Year 12te fee was based on Your account balance as of the payment due date (09/09 05), which was i3,6T5.80. Nelp is available! PIG ISO cal the toll-free number shown aAoy0 to learn about our speetal palment op M. 11 Monday - Friday, I aw_to pn, or Saturday,, a am to 5 pa, entrai tme. Please give us the opportunity to assist you. Aar ?? mery Balanae & AdvaneCW . L Credlu C"AWR balance P NCH TOTALCES $3,a 6.00 S 4.00 15 4 00 S1 1.116 2 18:0 0 34. .42 : 42 . s ;3,8 . 2 .00 51 . 6 $4,0 51. Rata Summary REMWMV auwecs w rinanee Charge rsrl"NIV Rate nummal APR P ANNVAL ERCENT lr RATE "JRCHASES Stand rd Purch Pur d SZT9.19 0.08353%(D) 30.490% 30.490% 12/13/2004 thru 83,644.97 0,09339%(D) 30.4905 30.490% OVANCES Standard Ady $0.00 0.08353%(D) 30.490% 30.4m Apr.,!, 2007 9:44AY Burton Neil & Assoc. 6106964111 No-4402 P. 13 08/03/05 $4098.61 $313.35 SITE:KC-CL TM;CO-6=00 ACID:KC39Z90 03/30/06 01:27s17: ROLAND R MORTENSEN 628 WOODLAND MT HOLLY SPOS 17065-1927000 Citi® Driver's Edge' Card ader Rebates $424 1505 5123 1985 Cmmbomer S rrfcas PA CITI CARDS PO BOX 183056 COLUMBUS, 00 48218-3056 x-504-967-9500 Totd eNdle Line Avowe Creo 1 o cob A?eaee Limit AvaWble Calk Umll Box oboe $4000 $0 $1200 $0 SIOUX FALLS. SD 6AIDS ? 598 6?lT + 186.00 + 128 4 a dorl ci VI' New efanee $4098.61 4/08 standard PuraR LATE FEE- NA PAYMENT PAST DUE 39.00 3/10 3/10 7LMKilwP PAVPAL •SKjLLJAM 4029357739 CA ? ? 20.85 61 851340 2222 65429505069 3/11 3/11 05HJ2011P PAMPA ?TORNAOOTOYS 4029357733 CA 2.21 554295 H 61 1 999US 2222 050T 3/18 3/18 BCZPLZ67 RYAN OF HANOVER 8394 HANOVER PA 15.67 61 85612pS 2222 wI ES WM PA Or A E 55547618078 17 35 3/22 3/22 KZL6VGG3 M LK VOLUNTEERS BIC . 61 B5699us 222 55,36878092 4%08 w RCHA5 *FINANCE CHARGE+PERIODIC RATE U 1.14 84 D ?? TE C 210PERIO ?NA /C O R R?RAS " 73 60 4/08 N DIC N A A F ES PU E . ??b0 •••Oriver's Edge Charter Member Rebate SommaryMe• Previ L Statement Rebates Total 8.44 32 x a ne ee T . s d This Period otal Reba r 7 6 Total Rebates Avai1¦b a 9. Bonus Rebates may take one to two billing cycles to au ar on your statement. Plea a refer to the Spec C terms ane conditigns pertaining to the h d er etails. promot on for fur Citi Dri1?er's Edge Charter Member rebates expire 3 ' pared rebates years after th are earned, on 1 d wi 1':%0 re 31 nn 2005 buat? ri 11 eyxzpi r6 o DECEpME , Your late Aayment d sedate (v4/OPtS,?tbhgC wi+nCiveas D3.9T4.a. The An ual Percentage Rate on yyou account is subject to increase and your apilirty to redeem or earn Citi 8river's EEd Io card rebates teyo us i n orsaen hereerW you tor rhen due exceed r credf 011h2r, or make a paymeni to us t ioa is not honored by Vour bank. EXHIBIT q Apr.''. 2007 9:45AM Burton Neil & Assoc. 6106964111 No.4402 P. 14 NOLAND R MOR7ENSEN FREE SERVICES FOR CITI CARpY U6ER3. Irani a your Cit card accoun online securely, see: t a-paY?nterwassur want 10 ormpaky yyour our billCei Register now at www.citJcards.600 Aeeou* Summary/ PWIGUS Balance ym & Advanert & Credlbs t 6E HA R = New e PURCHASES p #3r 30 0$ pp #10.000 0 0.00 1 ?? ?? ;SO.1` X4a.0ba ADVANCES TOTAL. . :3.900.79 0.00 $1 5.08 ;84.04 E4.0 8.61 Dam - Ted AeQn9 PaTW 30 Raft Summary Be ante e t Finance Charter o odte Rate nannal APR MZMAG'EERATE at PURCHASES rd Purch Stand $993.17 0.03740%(D) 13.450% 13.6505 hh Purthrud08/10/2004 $3.010.93 0.08148%(0) 29.740% 29.740% AStaatlard Adv $0.00 0.05682%(D) RO.T40% 20.740% Apr,,', 2007 9:45AM Burton Neil & Assoc, 6106964111 No-4402 P. 15 06/03/05 $4336.64 $703.46 SITE:KC-CL TM:CO-6300 ACID:KCB9290 03/90/05 01:27:17: CITI CARDS PO BOX 18$056 ROLAND R MORTENSEN COLUMBUS. OH 628 WOODLAND 43218-3056 MT HOLLY EPOS PA 11065-1927000 C1ti® Driver's Edge Card ?r ,ter Ret etes 3424 1805 5123 1985 Customer sarvllua 1-800-368-2x00 Total Credit Llee Avamme eredkLlM Cash Am m Umtt AgneDle Cash Umit $4000 SO $1700 SO Box 6500 SIOUX PALLS. SD mar c _ mile uhi t Ode am out a ti* New gala MCI $4338.64 + $214.74 + 150.00 m 3703. 5/02 Standard Purch 5/09 - APR PAYMENT PAST DUE LATE E 39.00 E R ??? 00 5/02 IIJH7200 P OPL2094TI03 800.335.3815 MY 59.95 61 N5969u r . 7541491512 3 9/09 T LIMIT FEE 6O?VER P F 3 5.00 5/09 SE FINANCE RCNOOCHANK*PERIODIC RATE 0000000000 .46 0000000000 5/09 #1N N RCH ESON& INER A C 000 IODIC RATE 0 .62 84 000000000 Please note that paymeets sust be received by 1:00 P.M., local time, on bank business day at the Patrleant processing fact, ity th t handles you payman S, in order to be ctsedited 0 your actount ag of that day. and ppaaymen Host conform to the paysent in tra tions set forth gn the reverse $1de. All mi rmf p nts received at the Cpycredited assaf4thecfl losringebankabusi'eeessitt day, 11 you have not received your new cold, please call the Customer Service number on hs Stotemat. Your late fee was based on pnor aa??aunt b lance s Of the paysent due data 105/03/OSI, which VMS #4,158.56. The Annual Percentage Rate ?n yyon aeepunt has been Increased due to one of th4 following re?so S Mated in your Card A9r""nt 111th us: y fail e Hake a7paysan to 6 Or any other creditor when Aupivlineente!e Usethatuwas notthonoredrbY?yaurdbank. Our records show hose phone 717-496-3997 and business phone 254-281-0724. Please update' coupon it incorrect. Apr.-, 2001 9:45AM Burton Neil & Assoc. 6106964111 ROLANR R MORTENSEN No. 4402 P. 16 Sob"* Rohn" r mmow mgmet Account Summary ous ure ssa Bal Ce &.A a9 j2 - ayrt7 _Jy Crfdlts CHARGE Now !3 as 0.00 100.00 OTA C1 5 A cc $ 1 ?4 , 00 $4, T t 91.61 $133.95 ;D 6.08 3 ? 21.64 ? - Rate summary Standdard Pureh $1,076.05 0.08216%(D) 29.990% 29.990% PurthrUA08/10/2004 $3,086.99 0.08216%(D) 29.990% 29.99096 Standard Adv 30.00 0.08216%(D) 29.990% 29.$90% Apr,'!', 2007 9:45AM Burton Neil & Assoc, 6106964111 + 6155.97 w 07/04/05 $4524.51 $1043.20 SITE:KC-CL TM:C0-6300 ACID:KC69290 03130/06 oi:27:17: CITI CARDS PO BOX 165056 ROLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43zi8-3036 MT HOLLY SPOS PA 17065-1921000 Citi Drivers Edge* Card Sher Rebates 5424 1605 5123 1988 teener rriese 1-600-866^ 900 y44it omit Line ftn" . creel Lim tub Adwake LOW AVA14610 Cull Lknlt BOX 6600 $4000 $0 11200 40 ' iuii+ C OUX FALLS, SD 06/09l2iff 56 24.51 Standee's Mck 6/09 LATE 1? MAY PAYMEN'T' PAST DUE 6/09 OVER ?gILIMIT FEE 6/09 S"FINANCE CHARGE*PERIODIC RATE RCH P 44 H MEOPERIDDIC RATE C / PURCUS I 6/09 EESS AN CH E 84 0000 your late tee wn ladled an (066?0,105)ntyMbalance 03,336164 payme due date your account is now 3 MONTHS PAST DUE and currently closed. Please call the tell-tree ounber shown above ie ]ear about gur special Dayiaent options. Ca11 Manly - t ay. T $m to 9 Pm. or Saturday, a a¦ to 5 pn. Central 1'iae. A+CewAt Swowy ev a B lanes c eats &A vahles _? ylne s - Cnd z 1119ARY. M. rw 111ARGE ? Balance- PURCHASES CES $4.9 ¢?1 10": ?? 04.0 6 11*10 $1 0? $4 fiq TOTAL $4,3 64 4.00 30.00 $131.0 7 $4 4.51 Rate Suatmery No, 4402 P. 17 atie Hww pwtrnoe $4524.51 _ eeelepm 00000000X ", 35.00 0000000000 0000000000. Z2 50.65 0000000000 rd Purch ;1,225.95 0.08216%(D) 29.9901 29.990% Sd0811012004 #5,166.58 0.08216%(D) 29.990% 29.990% rd Adv $0.00 0.08216%(0) 29.990% 29.990% h r.l', 2007 9:46AM Burton Neil & Assoc, 6106964111 No. 4402 P. 18 06/03/05 $4Ta0.02 $4720.02 SITE!KC-CL TM:CO-6300 ACI0:KC89Z90 08/30/06 01:27;1$: CITI CARDS PO BOX 183056 NOLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43218-3056 MT hOLLY EPOS PA 17065-1927000 Citio Driver's Edge0 Card Ohre, r Rebates 5424 1905 5123 1985 customer So V 1-600-866.9900 It ?a 0Irn 7b?i AaaMibht ;O BOX 6500 4 3 A i sy007 FALLS. SD OT/11 105 $TF 02 00A =iaao Awuab;lCiihL M Standard Pureb LATE FEE - JUN PAYMENT PAST ONE 7/11 coo 0 ER Sit IT LIMIT FEE R 7'/11 M O FINANCE CHARGEsPERIODIC RATE g RC S E 4 O O O Parch'Adr? ru 08/-U 2004 E?PERIODIC RATE + 7/11 FINANCE CHA ARCNOS S P s bO 13 Your 52 4two pAYnd:nt duee4atG l 04/oslnt%Iehn?s Help is available! Please call the toll-fre numer show0 ab6ve to learn it " apeeiari jaymeat options. C$11 Monday - Friday, 7 pm to Tim. Plea$e give us"Te, o88pportuaftyPatoCasststi you. C tt` Nqw paNnw $4720.02 Mss 41200.02 r.. ANOWd 39.00 00000000038.00 0000000005.35 0000000000 86.16 0000000000 Account Summary Balance A A nocas to) p2mems a Credits to) "FaRr-L CHARGE New Balance PURCHAS ADVANCE 54.6 4.31 000 8 J4.0 * 0 . D.00 I F :47 . p, TOTAL 84,524.5 0 4.0 .OQ ;IL 2 $4,720.02 Rata S m-nmary r`1 Parch 81,333.17 0.06285%(p) 30.240% 30.240% j 08/10/2004 83,249.92 0.08285%(0) 34.240% 30.240% rd AdV $0.00 0.062a5%(0) 30.240% 30.240X Apr.''. 2001 9:46AM Burton Neil & Assoc. 6106964111 No. 4402 P. 19 09/05/05 $4873.75 $4873075 SITE:KC-CL TOS/304000 ACID;KC9220 CITI CARDS PC BOX 183056 POLAND R MORTENSEN COLUMBUS, ON 628 WOODLAND 43218-3056 MT HOLLY SPOS PA 17065.19x7000 CHI* Driver's Edge0 Card Cher Rebates 5424 1805 5123 1985 wim mr 5errke: 5-800-548,5000 $40 G'??n. Avrn.wacn $0 SOX 6500 -- ._;or *Ig +a ,?' TO SxWX FALLS. SD C w Cash ?i 1200 Awalkkk cob $ 0 . Lw Now— 5t rd Pura 0109 LK E0. JUL PAYMENT PAST DUE " 000 8/09 SRC OHO FINANCE CHARGEOP01661C RATE Purah/Adv TAru 08/10/2004 8/09 JARC 00?aOFINANCE CHA E*PERIODIC RATE Your late flee was based on your account lance s ofe q payment due date 108/03/05), wh ch was Help is available! Please call the to))-free number alto a above to learn about our special vaynent agions. Call Monday - Friday, 7 qua to 9 pm, or Saturday, 8 am'to 5 pm, Central Tine. Please give us the opportunity to assist you. stand4rd Porch PYrth r ud08/30/2004 ADVANCES Standard Adv $1,442.14 53,333.04 $0.00 0.08285%(D) D.06289%(D) 000628516(.D) 30.240% 30.240% 30.240% f£?' c !Mw e.Neae $4873.75 39.00 0000000000 34.65 0000000000 80.08 0000000000 30.240% 30440% 30.240% t Account SUNInl r ua ore t NOW ? Balsnee & Advances -i Crsdks HARG6 Balsm. PURCHASES $4,T20-02 $ 9.00 3114.T3 $4,$q? q57S TOTALCeS 14,7102 39.00 100.00 00 $1 4'.703 $4,873.75 An 2997 9,46AM Burton Neil & Assoc. 6106464111 No, 4402 P. 20 10104105 $5040.55 $5040.55 SITE:KC-CL TM:CC-6300 ACIb:KCB9290 03/30/06 03:27:25: CITI CARDS PO BOX 143056 NOLAND R.MORTENSEN COLUMBUS. ON 620 w00DLAND 43216.3056 MY HOLLY EPOS PA 17065-102TOOD Citie Driver's Edge" Card CII* 9* r Rebates 5424 1805 5123 1965 Cusbimr Sa*rlt*C 1-800.756.4000 iblN Credit $4000 WnR Awll.ilb Crs*kilne Gill Admow I'M" Ar*IISIk Cqh LImH $0 $1200 $0 New wlaoh $3040.55 Box 6900 SIOUX FALLS, 5b c use A'?°r'' wa! ow AWN Aaraiil Dw $T11T 09/0 9 2 0 5 #101,.55 $644.93 171.80 $5040.55 $4b We PM DO@ fromf ?iws 6.r ACtMt1l LM! 6t*l?e?M! Aewwt 9/09 a? LA t"rl 1 U TE PAYMENT PAST D E 39.00 9/09 , OpURCHASEWINANCE CHARGEOPERIODIC NATE 039.31 84 0000 0000000000 9/09 Porch?Ady Thro Oa /20/2004 83RCH 0EVINANCE CNA EsPERIODIC RATE 88.49 p 0000000000 Your ate fee was base0 on Your account balance as of the payment due dote (09/01/05), which was 34.873. T5. Nelp.is vailable! Please call the tall-fro nutter sho" above to learn about our spec al p@Vewnt options. Call llogday f iday. ? as to 9 pit, or Saturday. 8 am tv pm, entral Time. Please give us trhe opportunity to assis! you. Atcount r us E+j s!B ayRi - Now Relent 9 AtA= a Cr*dlta tA@ K ealenee P WESSIS $4, .75 $ 9. 0.00 $11r .a0 =5.040.55 YOTALC $4,073.79 6 9 00 0.00 $1 7 80 $5, 040.55 Rate Summary Purch $1.518.07 0.08353%(D) 30.490% 30,490% 8/10/2004 $3,417.25 0.08353%(0) 30.490% 30.490% Adv $0.00 848353%(P) 30.490% 30.490% r' lp c _ n r . ? ,. era r ? PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CITIBANK (SOUTH DAKOTA) N.A. Plaintiff V. ROLAND R. MORTENSEN Defendant IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 CIVIL : CIVIL ACTION -LAW 1. Matter to be argued: Plaintiff's Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Neil Sarker, Esquire, ID No. 203456 BURTON NEIL & ASSOCIATES, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 (b) for defendant: Roland R. Mortensen, Pro Se Defendant 628 Woodland Avenue Mount Holly Springs, PA 17065-1927 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: July 11, 2007 Neil Sarker, quire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 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. 05-5857 civil ROLAND R MORTENSEN Defendant : CIVIL ACTION - LAW Certificate of Service I, Neil Sarker, Esquire do hereby certify that I served a true and correct copy of the within Praecipe for Listing Case for Argument on pro se defendant, Roland R Mortensen at his/her address of record via first class mail, postage prepaid on the date set forth below. Date: Jr 23 0 Burton Neil & Associates, P.C. By: Neil Sarker, Esq ire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-8234 C? ? O cz 't3l'X ? r f?l :ern ? W - G +J Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. Plaintiff V. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : NO. 05-5857 civil ROLAND R MORTENSEN Defendant : CIVIL ACTION - LAW Praecipe to Settle, End, & Discontinue To the Prothonotary: Mark the above matter Settled, Ended and Discontinued. Burton Neil & Assoc' s, P.C. By: Neil Sarker, Es ire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-8226 ' ' . Cl r