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Home My WebLink About06-0484 BARLEY SNYDER, LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. ()&, - '"IP'-f (?'u~L ~~ Defendants NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice to you for any money claimed in the Complaint or for any other claim or reliefrequested by Plaintiff(s). 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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. Cumberland County Bar Association Two Liberty Avenue Carlisle, PA 17013 Telephone: (717) 249-3166 Effective September 1, 2003 1542598-1 BARLEY SNYDER, LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, P A 17602 (717) 299-5201 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. Defendants A VISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente 0 por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para cualquier dinero demandado en la queja 0 para cualquier otra demanda 0 relevacion pedida por Plaintiff(s). Usted puede perder el dinero 0 la caracteristica u otra endereza importante a usted. USTED DEBE LLEV AR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, V A Y A A 0 LLAME POR TELEFONO La OFICINA DISPUEST A ABAJO. EST A OFICINA PUEDE PROVEER De USTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDIC os de la OFERT A de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO 0 NINGUN HONORARIO. Asociacion De la Barra Del Condado De Cumberland Avenida De Dos Libertades Carlisle, P A 17013 Telefono: (717) 249-3166 Efectivo 1 de Septiembre, 2003 Queja 1542598-1 BARLEY SNYDER, LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, P A 17602 (717) 299-5201 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. O(p. '-/ fi (;,;;1 -r~ Defendants COMPLAINT 1. Plaintiff, Fulton Bank ("Fulton") is a Pennsylvania Banking Corporation having an office at One Penn Square, P. O. Box 4887, Lancaster, Pennsylvania 17604. 2. Defendants, Russell E. Clouser and Lisa Marie Clouser, are adult individuals with a last known address of 11 Countryside Court, Camp Hill, Pennsylvania 17011. 3. On or about February 18, 1997, Defendants applied for a Visa credit card account (the "Account") with Fulton. A true and correct copy of the Account application is attached hereto as Exhibit "A" and incorporated by reference. 4. Fulton approved Defendant's application, opened an account in Defendants' name and issued Visa credit cards to the Defendants. 5. At various times Defendants made purchases and received cash advances on their Visa accounts subject to the terms and conditions of Fulton's Visa Agreement (the "Agreement"). True and correct copies of Plaintiffs statements showing the purchases made by the Defendants and the charges against and the credits to Defendants' account are attached hereto as Exhibit "B" 1542598-1 and incorporated by reference. A true and correct copy of Fulton's Visa Agreement is attached hereto as Exhibit "c" and incorporated by reference. 6. Defendants are in default under the credit card account for failure to make payments when due. 7. A notice of default was sent to Defendants by Certified Mail, Return Receipt Requested on October 20,2005. A true and correct copy of this notice is attached hereto as Exhibit "D" and incorporated by reference. 8. Pursuant to the Agreement, in the event of Default, Fulton is entitled to be reimbursed for all costs and expenses, including reasonable attorneys' fees, incurred in bringing any action to enforce the Agreement, and the entire unpaid balance of Account is immediately due and payable. 9. The balance due and owing to Fulton from the Defendants on their Visa account is as follows: Visa account balance........................................................... ..$14,590.48 District Justice costs.................................................................... .126.50 Total................................................................................... ...$14,716.98 plus interest at the judicial rate, plus reasonable attorneys' fees and costs of suit. 10. Fulton has demanded payment from Defendants, but despite this demand, the Defendants have refused and continue to refuse to make payment. 11. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. S 1692 et seq., Defendants may dispute the validity of the debt or any portion thereof. If Defendants do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendants with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, ifrequested within thirty (30) days of receipt of this pleading, Counsel for 1542598-1 Plaintiff will send Defendants the name and address of the original creditor if different from the above. WHEREFORE, Plaintiff, Fulton Bank demands judgment in its favor and against Defendants, Russell E. Clouser and Lisa M. Clouser, in the amount of$14,716.98, together with interest at the judicial rate, plus reasonable attorneys' fees and costs of suit. BARLEY SNYD Date: i (?v/c~ By: 126 East King Street Lancaster, P A 17602 (717) 299-5201 1542598-1 "Exhibit A" . ,o<:,:'^' .~ I " ~ f) f757r~I/PJ.-{:;'fdJ- 'ifI/SCj APPLICATION FEB 2 0 19W '7~ L (AI / /' ' 1/;(1Aq '\ Yes' Please consider my application for a Fulton Bank Credit Card. Type of account requested )i Joint 0 Individual ~ Visa 0 Mastercard PIe_ uti us "bout younelf... Name (last) Clouse (" Home address \I CO" ,1 XI'" Ii \; ; cl e Citl'CQm 1-\ ,\ I (first)K'\,j%e\1 Coucir (middle) E Q f' I Home tde hone 7'3,-3334 StateDAZi code 11011 'S -3 0 Social security number \\lrh a beam /2l'C t'H=\ f(.\ \ 0 I'I"\c'" X hr Date of birth o;;t . ();;J . 61 ?2 \III(~ Q,.... U.Clov,~r (w e,loo.n("rld PA 1'('11 Years there ;) rCl~~ Name, address and hone # of relative nOt livin Monthh' mort~a~e or rent 864. '78 Mort~a~e balance g-;;l, S"TO Estimated home value II S, 000 PIe_ uti us about your employment... Emplover HClC-dt...',Sio\ Dquph'l" Businessphone ("T1l Ycars there 16 Position Gel") <" <cd M Q fl Qq <" ,- ) q~ 1-9";;138 '" Gross annual income 37 , <0 CO 9 Other income ...lJjmOD)', child mpport or sepu.ne mliotclWlcc income need not be n:v<:aJcd jf you do om wish to h~,'c it comidcn:d ~ ~ b;l.lis for rcp,aying this obligaDon Amount Would yoU like" joint ",count? Name (last) C'o\J~e" (first) l,'SCl (middle) MCI.,e Relationship to applicant W, f <" Social security number I ~8 - &4 -6'Ci1~ate of birth 09 - 06 . <0 ~ Employer HClll m c.< ~ Mo d"..)Co fl9 Co [p. Business phone (. n ) T3;! - '3G.3 t: PC.\'q.l .:ti Years there lO Position M., rcn<lndl$ E''' Gross annual income '2449 Other income ~ Alimol'l)', child ~upporr of SCpUlltc rnaimclWlH income need not be ~vcaled if vou do not wish to h~\'c it wnsidc",d ;u i b.sis for ",paving this obhg.uiOll. Amount $,gnatu,aofA Oala Dallt ":l.18.QI J ;) -/'1- 50nal ldanlitication Number [r' Sel"cIFou'f~)Numbe'5andlorL.1l"f5 l . IExcaplQandZ) If\V~ '''''lUCM Fulton B~nk I"Ban..-) to i"ue Me/Us ~ credit urJ\\1 and the at><l\'c (redn infurnmioo which i, ccrti/kd corren, i. !:liven lor lhe purr''''' "rul>taini,,~.. cn:dil cMd,,; 1/,...., Ju[hontc Ihuk 10 "l'1""1 all" inform, lIun n{l'C'>>:!'\' 111 conncni'~1 "llh M~/Our ernlil .ppliution Of in Ihe mul'l'f of m'lew or ulllccti"n of alll' ucdn clIclllkd. The Ballk mal' n.:1;Ull l!li, applicaoull whether or nO' the "nodn CJrd(, I "Jrrn,,'~d. u,~ of ,h~ ned" ,;>rd(,llw "m' "uthorized po;r.;on ,olmirutc' ;lI.'''PI''IKI' of rh<' lemlS Jnd ,oll<lilion, of rhe Ibnll', .redit (Jrd{~1 ardh"ldcr Jf:rccmem a' amended Irom nme w rime. and {he ,.,l-\C-Ji J~rl:Cmcm a, J"'~nd~d from llnK IU 1JnlC. il MA(:@scr>1{ci,rnlueslCdh1-initi"hnt:rhcbl"I><:Iov. I (<EC / J..JT'f_ "Exhibit B" FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 QiC FultonBank c..'T&I. 0.-.0.. . L-c&o....aJC-nu 0.......... 0.0"1&1 B-. Omnoll . G...n V&iU' 1Jnlt.0tI Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 8.584.86 172.00 09107/04 0.00 O Check. here jf address Of telephone number has changed. Please note these changes on the reverse side. Paymants received at the mamng address below before 2:00 p.m. will be cre4itecl to your account as of !he date of receipt. P8\1flM11lls reoelved at any other IocaUon may be subject 10 a delay in cntditing of up to 5 days after lhe date d fttOltipt. MAKEPAYMENTTO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 1"III",I.II.,lllll,I.,IJ",I"I,I,II"I"I"IJ..lfll.,I.I. RUSSELL E CLOUSER 1948 LISA M CLOUSER 11 COUNTRYSIDE COURr CAMP HILL PA 17011-1518 ",111...111""1111".1111,11.1,1"..111..1'11.11".11..11. 4953 4756211269007598 00017200 0858486 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT s~ Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 506 EAST PETERSBURG PA 17520-0506 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BAlANCE CREDIT DATE DUE DATE BILLING PERIOD ,,'~; ~~. ,\ 4756 2112 6900 7598 12,500.00 8,564.86 3,909.00 ..~ 09107104 2. Transactions Trans. Date I Post. Datel Reference Number I Description I Amount 07/09 07113 2414202JKOJ29E5LL FLOYDS AUTO PLEX SALES & HALIFAX PA 5.069.00 07/10 07{13 244180OJJ5LSPDMK6 VALVOLlNE INSTANT OIL CHA CAMP HILL PA 83.72 07{14 07116 2416405JMB018Y2VY EXXONMOBIL75 04209722 CAMP HIL PA 15.00 07{16 07118 2444500JRTBY1T4X1 BJ WHOLESALE #0025 WOX HARRISBURG PA 11.65 07/17 07118 2471705JP3SXWTMFD KREAMER BROTHERS GLASS IN CAMP HILL PA 29.06 07{17 07{19 2432688JRKQ8BEPR6 ADVANCE AUTO PARTS #1238 ENOLA PA 27.52 07/17 07/19 2439900JRSEMZE89Q KMART 00091231 ENOLA PA 67.39 07118 07{20 2461043Jr03ROKWOG GAMESTOP #1845 CAMP HILL PA 26.49 07/19 07{21 243990OJT5F2YFXKS OFFICE MAX 00000398 MECHANICSBRG PA 14.50 07{19 07/21 2444572JSTE4ZRRQY CIRCUIT CITY SS #3720 MECHANICSBURG PA 148.35 07/20 07{22 2425477JVD5Y2B1HP DUTY'S LOCK SAFE & SEC CAMPHILL PA 5.30 07/20 07/22 2461043JV03R4ABAZ GAMESTOP #768 MECHANICSBURG PA 31.79 07{20 07122 2461043JV03R4A89E GAMESTOP #766 MECHANICSBURG PA 34.97 07/21 07/22 2445501JV5XGGAVE7 SUNQCO CAMP HILL PA 27.00 07/21 07{22 2449398JW5V68E4ZG DO IT YOURSELF SPA CAMPHILL PA 42.40 07{21 07/22 2461043JV03PALE91 BOSCOV'S #012 CAMP HILL PA 7.64 07/21 07/22 2425802JWWGSOMK8Y HOLY SPIRIT SHOPS CAMP HILL PA 7.16 07/21 07/23 2444500JWfFSPl B 1 H FINISH LINE #0541 HARRISBURG PA 29.99 07/21 07/23 2445501JW5YEAJEGT SUNOCO CAMP HILL PA 15.84 07/21 07/23 2461043JW03PZZOrG SEARS ROEBUCK 2624 CAMP HILL PA 16.76 07/21 07/23 2461 043JW03R2FG 1 D GAMESTOP #766 MECHANICSBURG PA 10.60 07/23 07125 2461043JX03PALML5 BOSCOV'S #012 CAMP HILL PA 15.37 07/23 07125 7461043JX03PALNB7 BOSCOV.S #012 CAMP HILL PA CREDIT 7.64 - 07123 07/25 7461043JY03PW7VV90 SEARS ROEBUCK 2624 CAMP HILL P CREDIT 8.39 - 07/24 07/25 2445501JY609XLH2D SUNOCO CAMP HILL PA 2.60 07/24 07/25 2469216JYOOSG5TKE TWX' AOL SERVICE 0704 600-827-6364 VA 2.95 07/24 07126 2469216JZooWNV83G TEXACO INC 91004100840 CAMP HILL PA 9.00 07/24 07/26 2479262JZMTKQOD9X RITE AID STORE 4818 MECHANICSBURG PA 20.55 07/24 07/26 2479262JZ6EL5NZDR RUBY TUESDAY #3981 MECHANICSBURG PA 69.00 07/26 07/26 2430173KOWGRMY10E CINDY ROWE AUTO GLASS #2 MECHANICSBURG PA 284.11 07/25 07/27 2445501K0625FFVV1D SUNOCO BEDFORD PA 20.00 07/30 07131 2445501K465WPMP3G SUNOCO CAMP HILL PA 16.98 07/30 08/02 2445501 K568SG 1 ENJ SUNOCO BEDFORD PA 19.00 07/30 08/02 2449215K6RL6524Z0 EBAY INC. 888-749-3229 CA 9.20 NOTICE: See reverse side for important information. 5572 Z2D 1 7 Pagt1of2 .953 1000 0076 0001 040810 01A05572 11148 . RUSSELL E CLOUSER 475621126900 7598 Transactions Trans. Date I Post. Datel Reference Number I Description 08/02 08103 2449398K7 4YDOM1 K5 MOVIELlNK MOVIE 08/03 08103 7475621 K800XSRZFB PAYMENT - THANK 08105 08108 2414202KQOLQr6DZ7 FLOYDS AUTO PLE 08105 08108 2469216KBooP1KR11 rEXACO INC 910041 08/06 08108 2416405KQBOl8Z9PO EXXONMOBIL75 04 08/07 08109 2444500KDTW5H2RML BARNES & NOBLE 08/07 08109 2444572KDTW5H2RRO CIRCUIT CllY 55 #3 08/07 08109 2461043KD03T3LFJR STAPLES #827 HA 08/07 08109 2461043KD09FF9G76 THE HOME DEPOT 08/08 08110 2416405KEBOl8XZOP EXXONMOBIL75 04 08110 08110 'FINANCE CHARGE. PURCHASES $73.7 Account Summary Previous Purchase, & 0 Balance - Payment -Credits ... Cash Advances & + ena Balance Transfers 1,144.07 200.00 16.03 7,583.07 Average Daily Corresponding Deily Periodic ANNUAL Balance Rate PERCENTAGE RAT C~nt BIling Period Purd'185e1 7,065.71 .03278% 12.00% PTevlou,8il""'PeriodPun;:hases 593.18 .03278% 12.00% Cash Advan~ 0.00 .05461% 19.99% 5572 UO 1 7 7 1 P92of2 - FbUonBank c....,.... 0.-.. . t.-c.......c-.....o.-..... o..OYUlI s.u." Ontw_ . G!:..nVAlUY o,..,JlOOl 310-264-8928 CA YOU X SALES & HALIFAX PA 00822 LEMOYNE PA 546149 MECHANIC PA #2046 HARRISBURG PA 706 PAXTON PA RRISBURG PA 4138 HARRISBURG PA 546149 MECHANIC PA 5 CASH ADVANCE $0.00 the, ",es Total +FINANCE CHARGE 0.00 73.75 Amount 4.95 200.00 - 1.174.68 17.75 23.00 13.78 84.79 24.25 23.96 5.00 73.75 New Balance 8,584.66 FINANCE CHARGES ANNUAL Transaction At Periodic PERCENTAGE Fees Rat., RATE 000 73.75 12.00% 0.00 0.00 19.99% E .953 1000 0076 0001 040810 01AD55721948 FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 CIC FultonBank c......... 0,......... . LANC<Oo.........c........ 0......- O'O.....$LlI'..O"U'OM. GII....TV.u.u..~ Account Number New Balance Minimum Payment Due Payment Due O..te Past Due Amoul1t Amount Enclosed 4756 2112 6900 7598 10,013.19 200.00 10/08104 0.00 O Check here if address or telephone number has changed. Please note these changes on the reverse aide. Pilymants AilC8....ed allhe lnlIiling addnJss below before 2:00 p.m. w~. be etedlted to your ~un1.. oIlt1e dale of ntCfIipl:. Payments rece/v8datu~otherloc8tionrnaybefUbject1O a delay ncredlting ofupIo5dayf.fteflhedateol~t MAKEPAYMENTTO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 11.1111111,11,,1111,,1,,111111,,1.',11111111,,11111,11111,1, RUSSELL E CLOUSER 19l& LISA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 11111I'11111"'111111111111I11.1,11111111111"'11111I11,,11. 4953 4756211269007598 00020000 1001319 PLEASE DETACH AND ENCLOSE TOP PORTlON WITH PAYMENT See Billing Rights Summary on reverse sma regarding telephone calls. Customer SelVlce telephone number .. 1-800-833-9295 Send Inquiries To; BANKCARD DIVISION PO BOX 506 EAST PETERSBURG PA 17520-0506 STATEMENT ACCOUNT CREDIT AVAILABLE ClOSING PAYMENi DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE DATE BilliNG PERIOD 475621126900 7598 12,500.00 10,013.19 2,486.00 i".~ 10108104 31 Transactions Trans. Date I Post. oatel Reference Number 1 Description I Amount 08/09 08/11 2445501KF6G4HR1PL SUNOCO CAMP HILL PA 4.49 08/09 08111 2445501 KF6G4HR2HZ SUNOCO CAMP HILL PA 5.00 08/14 08115 7454 706KLOW2K53EO WP- TRANSGAMING TEC OTTAWA GB 15.00 08/14 08118 2432301KNESXT2SJR THEO'S BAR & GRILLE CAMP HILL PA 66.00 08/17 00118 2416407KNEGOX7GT8 0228 SHEETZ 00002287 HALIFAX PA 10.00 08/18 08120 2469216KROOKHAWOS SHELL OIL 14668525111 HALIFAX PA 18.01 08{18 08120 2469216KROOKHAWOO SHELL OIL 14668525111 HALIFAX PA 3.60 08{18 08120 2469216KJlOOKHAW08 SHELL OIL 14668525111 HALIFAX PA 6.31 08{21 08123 2432688KVK08BE1X1 ADVANCED AUTO PRTS #1252 MECHANICSBURG PA 5.68 06/22 08123 2449398KW4YDOV1LH MOVIELlNK MOVIE 310-264-8928 CA 3.99 08{22 08124 2416405KWB018YRSL EXXONMOBIL75 04546149 MECHANIC PA 18.02 08{22 08124 2461043KW09FD8AWE THE HOME DEPOT 4120 MECHANICSBURG PA 2.14 08122 08124 2461043KW09FD8AY8 THE HOME DEPOT 4120 MECHANICSBURG PA 3.15 08{22 08124 2461043KW09FD8BEN THE HOME DEPOT 4120 MECHANICSBURG PA 1.83 00122 08124 2461043KW09F08BEY 1HE HOME DEPOT 4120 MECHANICSBURG PA 1.83 08/22 08124 2461043KW09FD805P THE HOME DEPOT 4120 MECHANICSBURG PA 1.98 08{24 08124 2469216KXOOVEPXOS TWX" AOL SERVICE 0804 800--827-6364 VA 2.95 08/24 08126 2461 043KY03R1 XZXR SEARS ROEBUCK 2624 CAMP HILL PA 21.19 08/26 08/26 7430 173KZWGN9P70Y CASH ADVANCE 600.00 08/26 08126 "FINANCE CHARGE'CASH ADVANCE FEE 18.00 08/26 08/29 2445501 L06ZZ6EHL7 SUNOCO CAMP HILL PA 13.60 08/28 08129 2443565L202ZOWB6W WEARS LIKE NEW LEMOYNE PA 11.00 08/27 08130 2425477L2D6P5P1RW STYLES BOUTIQUE MECHANICSBURG PA 67.50 08/28 08130 2461043L203P9N9LZ BOSCOV'S #012 CAMP HILL PA 21.49 08/28 08130 2430173L3ELPHDTMA R F FAGER CO CAMP HILL PA 11.07 09{Ol 09/01 7475621 L500XVl SMK PAYMENr - THANK YOU 175.00 - O9{Ol 09/02 2445501L574L5WFRN SUNOCO CAMP HILL PA 13.73 09{04 09/05 2445501L877BSG7KQ SUPERPETZ #227 MECHANICS BURG PA 39.18 09/04 09/05 2445501L877DL0744 SUNOCO CAMP HILL PA 23.35 09/04 09/06 2432688L9KQ8BF3YW ADVANCE AUTO PARTS #5403 MECHANICSBURG PA 68.77 09{04 09/06 2439900L99XKl1lYJ5 THE PEPBOYS 00003640 LANCASTER PA 157.94 09/04 09/06 24445OOL9SHB5GH3V KOHL'S #0337 MECHANICSBURG PA 52.59 O9(04 09{06 2461043L903P8T51P BOSCOV'S #012 CAMP HILL PA 22.49 09/04 09/06 2461043L903P8iBK5 BOSCOV'S #012 CAMP HILL PA 29.61 NOTICE: See r4itverse side for important ,,,formation. 5572 Z20 1 1 1 Page 1 0'2 4gsJ 1000 0076 0001 040910 01AD5572 1916 ~USSELL E CLOUSER FUltonB 4756211269007598 CulT.... 0.......... . L-c..na o.OYlUs.u..OnoJqOll . Gn& Transactions Trans. Date I Post. Date I Reference Number I Description 09/04 09/06 2461043L903P8T94Z BOSCOV'S #012 CAMP HILL PA 09/04 09/06 2461043L909FFOLDG THE HOME DEPOT 4131 LANCASTER PA 09/04 09{06 7461043L903P8T61J BOSCOV'S #012 CAMP HILL PA CREDIT 09/05 09106 2445501L978BD5DP9 SUNOCO CAMP HILL PA O9(O4 09/07 2439900L99XKf3A YK THE PEPBOYS 00000166 YORK PA 09/04 09/07 7439900L99XKT3B5X THE PEPBOYS 00000166 YORK PA CREDIT O9{06 09{07 2444500LBSJLF6VV1Y KOHL'S #0337 MECHANICSBURG PA 09{06 09{07 7444500LBSJLF6VV4Q KOHL'S #0337 MECHANICSBURG PA CREDIT O9{05 09/08 2415813LB2YX7B9QN LIFE CENTER MINISTRIES HARRISBURG PA 09/06 09/08 2439900LBSEMZFSAB KMART 00091231 ENOLA PA 09/06 09108 2439900LBSEMZFSAK KMART 00091231 ENOLA PA O9{06 09/08 2439900LBSEMZFSA V KMART 00091231 ENOLA PA 09/10 09/10 'FINANCE CHARGE" PURCHASES $89.88 CASH ADVANCE $5.26 Account Summary . Previous Purchases & Olho, ToIaI Balance - Payment -Credits .. Cash Advances & ... Charges +FINANCE CHARGE = Balance Transfers 8,584.86 175.00 172.04 1,662.23 0.00 113.14 A_go Dally COffuponding FINANCE CHARGES Olil~Y Periodic ANNUAL Transaction At Periodic B.~ .... PERCENTAGE RATE Fees Rat" Current Billing Period Purchases 8,846.67 .03278% 12.00% 000 89.88 Previous BiMina Period Purcha_ 0.00 .03278% 12.00% Cash Adyances 310.94 .05461% 19.99% 18.00 5.26 5572 Z20 1 7 7 . Page2ot2 .953 1000 007' 0001 040910 01 - - - - ---- ank ..c-....,...O""'.o.. T VAlUY Dn1noll Amount 24.99 13.02 7.50- 16.00 157.94 157.94 - 30.59 6.60 - 40.00 16.94 6.87 31.79 95.14 Now Balance 10,013.19 ANNUAL PERCENTAGE RATE 12.00% 46.52% A055721918 FUL iON BANK PO BOX 7268 lANCASTER. PI'. 17604-7268 =-= FWtDnBank. CU.T.uO"""_ . Lulc:....ra..c-.....O'......ON o..<)YI.,"'lt~ . Gau."v..u.utlnnlo.. Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 10,996.66 220.00 11/08104 0.00 O Check here if address or telephone number has changed. Please note these changes on the reverse side. Paymants flK>>ived at 1he maHlng addnllll> beloW before 2:00 p.m. will becredltedtoyourllC(OUntuotthedllleof""*p(. P~rnenta reoelv8d at any other kX;atIon maybe SlJbject to a detail lnaediting otupI05d8ytl~th8dat.dlllC8ipt MAKEPAYIIENTTO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 11111I1111111,,111111111111..111111,111111111111..1111111111 RUSSElL E CLOUSER '6" LISA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 1111111111111111,,111111111.1111,111,1111111,1111111,1I111I1 4953 4756211269007598 00022000 1099686 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 506 EAST PETERSBURG PI'. 17520-0506 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE VA TE BILLING PERIOD 4756 2112 6900 7598 12.500.00 10,996.86 1,503.00 I , )0I11A?4 11108104 31 Transactions Tra.ns. Date I Post. Date I Reference Number I Description I Amount 09/09 09/12 7439900LESA5G2MWO KMART 00042754 MECHANICSB CREDIT 15.89- 09/11 09/14 24445OOLHSPLJKD1Y ROUNDTOP RESORT lEWISBERRY PA 21.20 09/11 09/14 244450llLHSPLJKQPB ROUNDTOP RESORT LEWISBERRY PA 76.00 09/11 09/14 2444500LHSPLJKQTZ ROUND TOP RESORT LEWISBERRY PA 64.66 09{11 09114 2444500LHSPLJKQW8 ROUNDTOP RESORT LEWISBERRY PI'. 58.30 09/12 09114 2461043LH09FDQD63 rHE HOME DEPOT 4120 MECHANICSBURG PI'. 22.45 09/12 09114 2461043LH09FDQ7MZ THE HOME DEPOT 4120 MECHANICSBURG PA 25.48 09/16 09117 242263aLLAFPRJOPF WM SUPERCENTER MECHANICSBURG PA 16.92 09116 09119 2444500LMSS76WA53 CVS PHARMACY #1639 Q03 MECHANICSBURG PA 25.00 09116 09119 2461043LM03TNMKBZ STAPLES #643 MECHANICSBURG PA 16.61 09118 09120 2416405LPBOl8X9FH EXXONMOBIL75 04546149 MECHANIC PA 2240 09/16 1l9I20 2425477LPD6P5P1RE STILES BOUTIQUE MECHANICSBURG PA 28.00 09119 09{21 2416405LfUB018ZB<1A EXXONMOBIL75 04546149 MECHANIC PA 14.00 09/20 09122 244450llL TSX98P2PS CVS PHARMACY #2682 Q03 CAMP HILL PA 6.90 09123 09124 2422638LVAFXNHY7B WM SUPERCENTER MECHANICSBURG PA 270.94 O9(24 09124 2469216LWOOWAGE3Y TWX' AOL SERVICE 0904 800-827-6364 VA 2.95 09/24 09126 2422638LWAFYGK6JP WM SUPERCENTER MECHANICSBURG PA 54.93 09124 09126 7422638LWAFYGK6JM WM SUPERCENTER MECHANICSBURG PA CREDIT 28.99 - 09125 09126 2422638lXJ\FZJ4WLA WM SUPERCENTER MECHANICSBURG PA 38.64 09125 09126 7422638lXJ\FZJ4WKX WM SUPERCENTER MECHANICSBURG PA CREDIT 46.51 - 09/26 09127 7422638L Y AGOG9T JD WM SUPERCENTER MECHANICSBURG PA CREDIT 16.83 - 09126 09127 2424651LZ61A)C(R6P HEPFER'S TRUE VALUE LEMOYNE PI'. 9.53 O9(26 09{27 2429916L YS7FVWXFY JCPENNEY STORE 2712 CAMP HILL PA 118.93 09/26 09127 2445501L Y3FRAXE4M SUNOCO CAMP HILL PI'. 14.00 09{26 09{27 2475542LY3VJY\l5Fl OLLlES BARGAIN OUTLET 3 MECHANICSBURG PA 31.79 09/26 09127 7475542LY3VJY\l56L OLLlES BARGAIN OUTLET 3 MECHANICS CREDIT 31.79 - 09/26 09/28 2413829LZ9GT JPS6K LOWE'S 11405 MECHANICBURG PA 17.98 09/26 09128 2441800LZ7WFDSKBB OLD NAVY #5348 CAMP HILL PA la.OO 09/26 09128 2461043LZ03S3FBJ2 GAMESTOP #1845 CAMP HILL PA 5.29 09126 09128 2461043LZ09FD5HXR THE HOME DEPOT 4113 HARRISBURG PA 19.58 09/28 09130 2461043Ml03TKRYHK STAPLES #643 MECHANICSBURG PA 16.83 10/01 10103 2471705M33VLHDKGB KREAMER BROTHERS GLASS IN CAMP HILL PA 14.36 10/03 10/04 2422638MSAF8WG8TP WM SUPERCENTER MECHANICSBURG PA 108.61 10/04 10/04 7475621M6QOXVBWY3 PAYMENT-THANKYOU 200.00 - NOTICE: See reverse side for Important information. 5572 Z20 1 , , Page1ot2 "'953 1000 0076 0001 041011 01A055721653 RUSSELL E CLOUSER 4756 2112 6900 7598 Transactions Trans. Date I Post. oatel Reference Number I Description 10{03 10105 2445501 M63FRA Y J8D SUNOCO CAMP 10/09 10111 2432301 MQ792ZGTD7 WILL'S WATERB 10110 10111 2449398MD4YDOM4GL MOVIELlNK MOV 10/11 10111 'FINANCE CHARGE' PURCHASES $10 Account Summary Previous Purdlases& Balance - Payment -Credits . Cash Advances & . Balance Transfers 10,013.19 200.00 140.01 1,211.62 Irs TIME TO ORDER YOUR FREE 2004 ANNUAL PLEASE SEE THE ENCLOSED FLYER FOR DETAI YOUR COPY. A.....,. Oa~y Como_, Dol, ."""'- ANNUAl Balance Ra~ PERCENTAGE CUlTent BlIlino Period Purchases 10,015.90 .03278% 12.00% PrevioosBiHingPeriodPurt:t'IasN 0.00 .03218% 12.00% Cash Advances ""... .05461% 19.99% 5572 Z2D 1 1 1 1 Page2of2 - FW.1nnBank c-.T....O""_. L-c:....~n-O'-'O.. o.._.a... Dm_ . GuATVIoLUTDwutoH Amount HILL PA EDS LEMOYNE PA IE 310-264-8928 CA 1.76 CASH ADVANCE $10.30 24.00 42.35 4.99 112.06 00... Charges Total +FINANCE CHARGE New Balance 0.00 112.06 10,996.66 SUMMARY OF CHARGES. LS ON HOW TO RECEIVE RATE FINANCE CHARGES ANNUAL TnUludlon At Periodic PERCENTAGE ,-. Rates RATE 0.00 101.76 12.000/. 0.00 10.30 19.99% '" "953 1000 0076 0001 041011 01A055721&53 FULTON BANK PO BOX 7268 LANCASTER, PA 17604-7268 == Ful10nBank ~IT'" o......'DN . L...c............c-- 0.-"..10.. O'o.....B.ur. Or...n.... . Ga....TV........ Onou..... Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 11,428.08 229.00 12!07{O4 0.00 O Check here if address or telephone number has changed. ?tease note these changes on the reverse side. Payments received at the mailing address below befOl'8 2:00 p.m. w~J beeredllecltoyourltCCOUnl..ofChed8teofr<<:eipl Payments received al anyolher location ffilIYbe subject to_delay In CffIditIng of up to 5 days efter!he dale of AK:eipt MAKE PAYMENT TO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 ."111,,,1.111111111,1,,11.,,1..1.1,11111111..11..1111..1.1. RUSSELL E CLOUSER 1651 LISA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 ...11I...111.11.1111...11...11.1.1....111.,1",,"...11,,". 4953 4756211269DD7591l 00022900 11421lDIl PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 506 EAST PETERSBURG PA 17520-0506 STATEMENT ACCOUNT CREDIT AVAILABLE ClOSING PAYMENT DAYS IN NUMBER LINE BAlANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 6900 7598 12,500.00 11,428.08 1,071.00 . 111D9104 12/07/04 29 Transactions Trans. Date I Post. Date I Reference Number I Description I Amount 10/13 10/14 2440140MF018B 17TQ USPS 4134870011 CAMP HILL PA 37.00 10/15 10{17 2416405MJB018Y6JR EXXONMOBIL75 04209722 CAMP HIL PA 10.20 10115 10/17 2416405MJB018Z1EA EXXONMOBIL75 04209722 CAMP HIL PA 6.00 10/17 10/18 2449398MK4YD1A93R MOVIELlNK MOVIE 310-264-8928 CA 2.99 10/18 10/19 2429916MLS7HQ1EAG JCPENNEY STORE 2712 CAMP HILL PA 34.98 10/18 10{19 2429916MLSlHQ1E77 JCPENNEY STORE 2712 CAMP HILL PA 34.98 10/18 10/20 2441800MM8GX5RE90 OLD NAVY #5348 CAMP HILL PA 66.50 10120 10122 2445501 MP3FRA Y96K SUNOCO CAMP HILL PA 28.00 10/21 10/22 2422638MPAFR43TQJ WM SUPERCENTER MECHANICSBURG PA 45.70 10/21 10{24 2445501 MR3FRB3NPD SUNOCO CAMP HILL PA 15.00 10/23 10/24 2445501 MT3FRB80XK SUNOCO CAMP HILL PA 10.00 10/23 10/25 2444500MSVMP5P6DF BON- TON-CAMP-HILL #0031 CAMP HILL PA 102.30 10124 10/25 2469216MSooWS1739 TWX'AOL SERVICE 1004 800-827-6364 VA 2.95 10/27 10/29 2424651 MYFPV3LOTM LINENS N THINGS #281 CAMP HILL PA 8.47 10/27 10/29 24399ooMYSASG44Y J KMARr 00042754 MECHANICSBURG PA 7.99 10127 10129 2444500MYVRVT JV3L TJMAXX #0720 MECHANICSBURG PA 14.99 10130 10/31 2426696N1WGRVL839 GO DADDY.COM 480-505-8855 AZ 8.95 10/30 11/01 2413829N1N4PMORJP DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 3.17 10/31 11/01 2438894N1KG8NFD53 GLOBAL AWAKENING MECHANICSBURG PA 29.68 11/01 11/01 7475621N200XSMXS6 PAYMENT - THANK YOU 220.00 - 11/03 11/05 2445501N53FRAWHEN SUNOCO CAMP HILL PA 25.01 11/06 11/08 2466100N83G1EM31H TERRACE RESTAURANr LANCASrER PA 20.13 11/07 11/08 2449398Na4YD14BDY MOVIELlNK MOVIE 310-264-8928 CA 4.95 11/07 11/09 24661ooN93G72VVY39 WILLOW VALLEY FAMILY LANCASTER PA 20.13 11/09 11/09 'FINANCE CHARGE' PURCHASES $101.47 CASH ADVANCE $9.68 111.15 Account Summary Previous Balance - Payment Purchases & Other - Credits + Cash Advances & +- Charges Balance Transfers Total +-FINANCE CHARGE Now Balance 10,996.86 220.00 0.00 540.07 0.00 111.15 11.428.08 NOTICE: See reverse side for Important information. 5572 no 1 7 7 Pag.10'2 4953 1000 0076 0001 041109 01AOS5721651 RUSSELL E CLOUSER 4756211269007598 FUltonBank. C...n.....O'-""". L-c.........c-~O'-_ o.on..&N.O!wtaoor. Gu.oo.l'V.w.nOnolAo. Irs TIME TO ORDER YOUR FREE 2004 ANNUAl SUMMARY OF CHARGES. PLEASE SEE THE ENCLOSED FLYER FOR DETAilS ON HOW TO RECEIVE YOUR COPY. A..... D8ily """"""'" FINANCE CHARGES ANNUAL Daly Periodic ANNUAL TnmGCtion At Periodic PERCENTAGE IlaIanao Rato PERCENTAGE RATE Fe.s ..... RATE Cumtnl Billi..... Period Purt:hue, 10.615.00 .03278% 12.00% 0.00 101.41 12.00% PflIviou,BillinnPeriod Purch8ses 0.00 .03278% 12.00% Cash Advances 611.78 .05461% 19.99% 0.00 '68 19.99% 5572 no 1 7 7 "'2012 4953 1000 0076 0001 041109 01AOS5721651 FULTON BANK PO BOX 7268 LANCASTER, PA 17604-7268 =tiC FultonBank. Ca..T....O""'..... Lur",u......c......n._..... DaOVDI B.ul. Dtwm_ . GaUTVAlUl' DnuI_ Payments received at the mailing address below before 2;00 p.m. will be credited to your account as of the date of tlIC8lpl Paymenb recelYed . any ottMN-locatlon may be subject to a delay In crediting of up 10 5 da)'ll aft.,.- the dat~ of receipt. MAKE PAYMENT TO: Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 11,532.21 231.00 01/07/05 0.00 O Check here it address or telephone number has changed. Please note these changes on the reverse &Ide. $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 ",111",1,111111",,1,,11,..1111,1,11111..11111..1..1111,1, RUSSELL E CLOUSER 1792 LISA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 ",11I,"111"""11,,,1111.11,1.1..,,111,,111111111I111111, 4953 4756211269007598 00023100 1153221 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 506 EAST PETERSBURG PA 17520-0506 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BAlANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 6900 7598 12,500.00 11,532.21 ~7.00 '1211_ 01107/05 31 Transactions Trans. Date I Post. Date I Reference Number I Description I Amount 11/10 11/12 2443565NQ032S4BVL WINE & SPIRITS 2107 CAMP HILL PA 5.29 11/12 11/14 2445501 NE3FRB21 H4 SUNOCO CAMP HILL PA 15.00 11/13 11/14 2443565NE61GWRAQM HO WAH RESTAURANr LEMOYNE PA 23.11 11/13 11/14 2449398NE4YDOY9V4 MOVIELlNK MOVIE 310-264-8928 CA 2.99 11/14 11/15 7454706NG2ARYrKP7 WP-TRANSGAMING TEC OTTAWA GB 5.00 11/14 11/15 2461043NF232494G5 GIANT FOOO STORES #110 CAMP HILL PA 3.00 11/19 11121 2416405NMB018X92A EXXONMOBIL75 04546149 MECHANIC PA 25.70 11{19 11121 2445501 NM3FRB2A09 SUNOCO CAMP HILL PA 16.00 11/23 11/25 24445ooNTWDDQS260 BOB-EVANS-RESr #0212 MECHANICSBURG PA 14.37 11/24 11/25 2469216NT002DPLS3 TWX"AOL SERVICE 1104 aOO-827 -6364 VA 2.95 11/27 11129 2469216NXOOB4FLJA SHELL OIL 91002850560 ENOLA PA 16.50 11/30 11130 7475621 NZOOXSYTON PAYMENT - THANK YOU 229.00 - 12/02 12/05 2445501P23FRB063D SUNOCO CAMP HILL PA 18.00 12/07 12/09 2425477P7D6P5P1SK STYLES BOUTIQUE MECHANICSBURG PA 27.22 12/07 12/09 2445501P73FR!V'HD3 SUNOCO CAMP HILL PA 17.00 12/08 12/10 2445501P83FRAVEJ<B SUNOCO CAMP HILL PA 20.00 12/10 12/10 "FINANCE CHARGE' PURCHASES $110.68 CASH ADVANCE $10.34 121.00 Account Summary Previous Balance - Payment Purchases & OU1er - Credits + Cash Advances & + Charges Balance Transfers Total New +FINANCE CHARGE :c: Balance 11,428.08 229.00 0.00 212.13 0.00 121.00 11,532.21 NOTICE: See reverse side for Important Information.' 5572 Z20 1 7 P.'of2 4953 1000 0076 0001 041210 01A055721792 ---.- RUSSELL E CLOUSER FultonBank . 4756 2112 69007598 c.."'.... Dn-t...... . t.-e...~..... 0......'0.. Daonnlklo. Orvl.._ " G......,.. V.u.uy Dt..u'o.. A_ Oa~y ConoopondIng FINANCE CHARGES ANNUAL 081, _0 ANNUAl Tnlnsadlon A!Peliodic PERCENTAGE ......" "'Ie PERCENTAGE RATE F", .oIM RATE Cl.lITEIntBiIlngPeriodPun:hase, 10,890.79 .03278% 12.00% 0.00 110.66 12.00% Pf'evbJs Bilino Period Purd1a_ 0.00 .03278% 12.00% Cash Advances 611.25 .05481% 19.99% 0.00 10.34 19.99% - 5572 Z20 1 7 7 I Page 2012 4953 1000 0076 0001 041210 01AOS572 17li12 - - FULTON BANK PO BOX 7268 LANCASTER, PA 17604-7268 :Ie FWionBank c-'T..... o.-.ON . L_c.........c-..... 0."",.".. o.OYD. S-.. DnouIo.. . <;.....TVAU.II.. DnouIo.. Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 11,755.18 235.00 02108/05 0.00 O ChecK here if address or telephone numbet" has changed. Please note these changes on U1e reverse side. Payments receiV8d at the ma~ing address below before 2:00 p.m. will be credited to your 8I;a;JI.mt .. ollhe elate of receipt. Paymenb received at any oltIer location may be subject to . delay In crediting of up to 5 days after the date of receipt. MAKE PAYMENT TO: $ BANK CARD CENTER PO 80X 7268 LANCASTER. PA 17604-7268 ,..111...1,11..11111111111".1..1.1.11,,1,"1,.11111..11.1,I. RUSSELL E CLOUSER 1610 USA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 111111111111"".,11",11'"111,1,1""1111'11"1.11"111..11. 4953 4756211269007598 00023500 1175518 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on feverse side regarding telephone calls. Customer S8fVice telephone number - 1-800-833-9295 Send Inquiries To; BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE ClOSING PAYMENT DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE DATE BILLING PERIOD - 475621126900 7598 12,500.00 11,755.18 740.00 @'i;' 02108/05 32 "'~;..i. . Transactions Trans. Date I Post. Date I Reference Number I Description T Amount 12111 12113 2416407PBEGBWEYSM 0228 SHEETZ 000022a7 HALIFAX PA 17.01 12113 12115 2407280PD4NVZ9XSX HICKORY FARMS CATALOG 800-442-5671 OH 27.98 12114 12115 7454706PE002FNZTD WP-TRANSGAMING TEC OTTAWA GB 5.00 12115 12116 2443565PF033SSGLB WINE & SPIRlrS 2107 CAMP HILL PA 25.40 12116 12119 2416405PGB018Z08D EXXONMOBIL75 04546149 MECHANIC PA 23.50 12116 12119 2469216PGooWAV1BW SHELL OIL 14668525111 HALIFAX PA 10.04 12118 12119 2473309PH6LHT8YST PAMELA'S FLOWERS 717-732-1257 PA 21.15 12118 12120 2416405PJB018Z4Fl EXXONMOBIL75 04546149 MECHANIC PA 19.00 12120 12121 2461043PK2324Q43T GIANT FOOD SrORES #110 CAMP HILL PA 72.84 12122 12123 2444500PNOLTLW4GO DAMON'S GRILL MECHANICSBURG PA 30.00 12123 12126 2445501PP3FRB7V9T SUNOCO ENOLA PA 21.00 12124 12126 2444SOOPTOPLKKQNT DAMON'S GRILL MECHANICSBURG PA 20.00 12124 12126 2469216PPOOD4T34Q TWX'AOL SERVICE 1204 800-827-6364 VA 2.95 12126 12128 2445501 PS3FRAMGFK SUNOCO CAMP HILL PA 20.50 12128 12130 2445501PW3FRATOSW SUNOCO ENOLA PA 9.60 01/04 01/04 74756210SOOXSML1R PAYMENT - THANK YOU 231.00 - 01/11 01/11 "FINANCE CHARGE' PURCHASES $117.27 CASH ADVANCE $10.73 128.00 TOTAL 'FINANCE CHARGE' PAID IN 2004 $392.10 Account Summary Previous Purchases & Other Total New Balance - Payment -Credits + Cash Advances & . Charges +FINANCE CHARGE Balance Balance Transfers 11,532.21 231.00 0.00 325.97 0.00 128.00 11,755.18 NOTICE: See reverse side for important information, 5572 Z20 1 7 7 Pege 1012 4953 1000 0076 0001 050111 01A055721610 FlUSS1:LL E CLOUSER Ful1DnBank 4756 2112 6900 7598 c...OT.04p,."...... . .....c.........c.........Drvu..... o.OYJaI 1kH. Ornuoll . GaUTVAlUY 0wl1101l A_ 0.;1y """"-'<'''' FINANCE CHARGES ANNUAL Oely Periodic ANNUAL TranMCtion At Periodic PERCENTAGE ..,- .... PERCENTAGE RATE .-. ..... RATE Current Bllinn P8lioc:l Purc:haM, 11,'49.87 .03287% 12.00% 0.00 117.27 12.00% PrevlolJ, Billinn Period Pun;:hnn 0.00 .03287% 12.00% Cash Advanoes 612.95 ,()54.76% 19.99% 0.00 10.73 19.99% - 5572 Z20 1 7 7 1 Peg.2of2 4953 1000 007. 0001 050111 01AD5572 1610 - - FUL roo BANK PO BOX 7268 LANCASTER. PA 17604-726a =-= Ful10nBank c.......... 0.-.0.. . L-c..~...... Onr.no.. o.OYft. Rui.. Dno:tnoN . G....T VAI.UY o.vu.1011 Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756211269007598 11,811.46 236.00 03/09{05 0.00 O Chad<. here if address or telephone number has changed. Please note these chang8$ on the reverse side. Payments received allhe mailing address below OOfen 2:00 p.m. wMI becredltedtoyourac::count..ctlheAleoffeOeipl Paymen'- ~ved at any oth.,.localion may be .oojed 10 a delay In crediting of up to 5 days aftwlhe dale of lVC8ipt MAKE PAYMENT TO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 111111'111,11,,1111..11111,"1,,1.1,111111111111,,1111..1.1. RUSSELL E CLOUSER 1655 LISA M CLOUSER 11 COUNTRYSIDE COURT CAMP HILL PA 17011-1518 ...111,"111"111.1111.11".11.1,1"1.111..1"1.11".11.,II, 4953 4756211269007598 00023600 1181146 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing R~hts Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-633-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 6900 7598 12,500.00 11,811.46 688.00 - 03109/05 29 Transactions Trans. Date I Post. Date I Reference Number I Description I Amount 01/12 01/13 24493980Q4YDOJ082 MOVIELlNK MOVIE 310-264-892a CA 4.99 01/14 01/16 74547060FOOOXXV3E WP-TRANSGAMING TEC OTTAWA GB 5.00 01/20 01/23 24455010MLM7V3P28 HESS 38358 CARliSLE PA 19.00 01/24 01/24 24692160ROOE8N8MJ TWX.AOL SERVICE 0105 800-827-6364 VA 2.95 01/23 01/25 24455010R3FRA7DZN SUNOCO MECHANICSBUR PA 12.00 01/25 01/27 24455010SLM7SJGOV HESS 3a358 CARLISLE PA 17.77 01/26 01/27 24138290VN4PK6F6Z DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 24.99 01/26 01/28 24692160VOONOM684 SHELL OIL 14668525111 HALIFAX PA 5.01 01/27 01/28 24692160VOONJV535 J2 .EFAX PLUS SERVICE 323-817-3205 CA 12.95 01/29 01/31 24455010YLM7VON08 HESS 38285 CAMP HILL PA 16.00 02103 02103 74756211200XSYF8G PAYMENT - THANK YOU 235.00 - 02102 02104 243889412KGB2AJGT FLASH NAIL MECHANICSBURG PA 18.00 02102 02104 246921612007AYGR3 SHELL OIL 14668525111 HALIFAX PA 16.00 02104 02/06 241640514BOl8Z9AJ EXXONMOBIL75 04546149 MECHANIC PA 20.02 02109 02109 'FINANCE CHARGE. PURCHASES $106.88 CASH ADVANCE $9.72 116.60 TOTAL .FINANCE CHARGE. PAID IN 2004 $392.10 Account Summary Previous Purchases & Othe, Total New Balance - Payment -Credits + Cash Advances & + Charges +FINANCE CHARGE Balance Balance Transfers 11.755.18 235.00 0.00 174.68 0.00 116.60 11,811.46 NOTICE: See reverse side for Important information. 5572 Z20 1 7 PagII10f2 .953 1000 0016 0001 050209 Q1AD5512 1655 ------------ RUSSELL E CLOUSER F\il.1nnBank 4756211269007598 c....TAl-nn...._. L_cun...c.-_o.- 0.0.,... ....." DrwP.oOII' . Gnu V40UT A...... ,,",y ~'" FINANCE CHARGES ANNU Oeiy ..- ANNUAL T ransadion AlPerkxlk: PERCENT .,,- Rale PERCENTAGE RATE Fees RaIM RA ClnWInt BUlin/] Period PurchaM. 11,215.13 .03287% 12.00% 0.00 106.88 12. PrevlouIBilinaPeriod~ 0.00 .03287% 12.00% Cash MvsncelJ 612.76 .1)54.76% 19.99% 0.00 9.72 19.9 5572 Z20 1 7 7 1 P~2of2 '053 1000 007. 0001 OS0209 01A05572 1655 - - ....... AL AGE TE 00% 9% FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 =:Ie FultonBank c....JT.... 0.......... . L-c&a'naJC-.......O"-.. DaOWlUIL.JI..Dfwutc>.. . C....nVAI.Ul'Drnuo.. Payments receivod at the mailing address below before 2:00 pm. w~1 btlcredltedtoyouraccount..ofhda1eofreceipt. PllymentI; reoelved . any olt1erloclltlon may be subject to II delay In CAtdlting otup to 5 daY" lifter lhedate dnK:elpt. MAKE PAYMENT TO: Account Number New Balance Minimum Payment Due Payment Due Oat. Past Due Amount Amount Enclosed 4756211269007598 11,874.31 237.00 04108/05 0.00 O Check hel'G if address or telephone number has changed. PJease note these changes Ofl the reverse slele. $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 ...111".1,11'111111.1..11...1..1.1.11..1111..11.,1,,1.,1,1. RUSSELL E CLOUSER 1582 LISA M CLOUSER 11 COUNTRYSIDE CT CAMP HILL PA 17011-1518 ,..111111111'11".11...11...11.1.1.,..111..1,...11".11,.11. 4953 4756211269007598 00023700 1187431 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 69007598 12,500.00 11,874.31 596.00 ~.iG3111165 04108105 30 Transactions Trans. Date 1 Post. Dat~ Reference Number 1 Description I Amount 02110 02113 24455011ALM7SVKPZ HESS 382as CAMP HILL PA 21.00 02110 02113 24455011A3FRAV4QE SUNOCO MECHANICSBUR PA 14.00 02114 02115 74547061E09Q6AMXQ WP-TRANSGAMING TEC OTTAWA GB 5.00 02115 02117 24455011 FLM7SRESZ HESS 38358 CARLISLE PA 17.00 02118 02120 24455011JLM7VTYZZ HESS 38420 NEW CUMBERlAN PA 15.00 02119 02121 24455011K3F~8F8 SUNOCO MECHANICSBUR PA 17.50 02124 02124 24692161PooNBJQ79 TWX"AOL SERVICE 0205 800-827-6364 VA 2.95 02126 02128 24455011 S3FRAPYPW SUNOCO CAMP HILL PA 24.00 02127 02128 24692161S0006W1F2 J2 'EFAX PLUS SERVICE 323-817-3205 CA 12.95 02127 03101 24692161V002HKS24 SUNOCO SVC STATION CAMP HILL PA 1.85 03101 03/01 74756211WooXV6D52 PAYMENT - THANK YOU 236.00 - 03105 03107 246921621ooHOlOlAD SHELL OIL 91oo285056tl ENOLA PA 24.50 03106 03108 24692162200KDYARG SUNOCO SVC STATION MECHANICSBURG PA 22.00 03111 03111 "FINANCE CHARGE' PURCHASES $111.07 CASH ADVANCE $10.03 121.10 TOTAL 'FINANCE CHARGE' PAID IN 2004 $392.10 Account Summary Previous Purchases & othe, Total New Balance - Payment - Credits + Cash Advances & + Charges +FINANCE CHARGE Balance Balance Transfers 11,811.46 236.00 0.00 177.75 0.00 121.10 11,874.31 NOTICE: See reverse side for important information. 5572 Z20 1 7 7 Pau-'ol2 .953 1000 0076 0001 050311 OtA05572 1582 RUSSHL E CLOUSER 4756 2112 6900 7598 -...... Dairy Daly Periodic B~~ ..10 PERC C~ BUM..... Period Purt:hun 11,268.31 .03287% Prwvtou. Billno Period Purmnes 0.00 .03287% Cash AdvaI'l(:eS 611.01 .05476% 5572 Z20 1 7 7 1 Page 2012 - -- Como_ ANNUAl ENTAGE RATE 12.00% 12.00% 19.99% FulionBank c.......... 0......... .. L...c...naJCIa..... 0...-. 0.0"'.' B.uo. DnomIOII .. CU4T V..un Dnou...... FINANCE CHARGES ANNUAL T__ At Periodic PERCENTAGE Fe"s "'n RATE 0.00 111.07 12.00% 0.00 10.03 19.99% 4953 1000 0076 0001 050311 01A05572 1582 FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 CIC FUltonBank CulT.... o.".UDN . La."arn...c-nu. Dnru.o" Dao\'UlB.un:On<u'OI< . <;""TV.u.u'O'Dn-wo.. Payments received IIllhe ma~ing addnIss below before 2:00 p.m. w~l be credit..:! to your IICCOUnt lIS of the dele of receipt. Payments receiYltd.. any other location may be subject to a delay In crediting ofupto5dl1ysafterthedaledf8Ceipl MAKEPAYllENTTO: Account Number New Balance Minimum Payment Due Payment Due Oat. Past Due Amount Amount Enclosed 4756 2112 6900 7598 12,014.87 240.00 05109/05 0.00 O Check here if address or telephone number has changed. Please note these changes on the reverse side. $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 1111111111.111111111,11111,.,1111,1,11111"1,,111111.1,,1.1, RUSSELL E CLOUSER 1382 LISA M CLOUSER 11 COUNTRYSIDE CT CAMP HILL PA 17011-1518 11111I111111'11111111111111111.1.1111111I1111111111111111111 4953 4756211269007598 00024000 1201487 PlEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE 6AlANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 6900 7598 12,500.00 12,014.67 483.00 '.- 05109105 31 Transactions Trans. Date I Post. Date I Reference Number I Description I Amount 03110 03/13 24387752603RKPPGQ MICHAEL'S #2754 CAMP HILL PA 8.74 03110 03113 74387752603RKPNXF MICHAEL'S #2754 CAMP HILL PA CREDIT 7.28 - 03111 03113 2476197277ZDNHBAl AC MOORE ARTS&CRAFT 82 MECHANICSBUR PA 13.38 03111 03114 242547728D6P5P1RL STYLES BOUTIQUE MECHANICSBURG PA 7.50 03111 03114 74387752803RLNHRA MICHAEL'S #2754 CAMP HILL PA CREDIT 1.27 - 03112 03/14 24692162800398KJK SUNOCO SVC SrAflON CAMP HILL PA 29.00 03114 03/16 24610432A09FQSOHG THE HOME DEPOT 4120 MECHANICSBURG PA 7.92 03114 03117 74547062Q15BDZQDJ WP-TRANSGAMING TEC OTTAWA GB 5.00 03117 03120 24692162000FDMQHB SUNOCO SVC STATION CAMP HILL PA 22.30 03119 03121 74387752F03RG56MH MICHAEL'S #2754 CAMP HILL PA CREDIT 2.11 - 03121 03122 24164072GEGM14EGD 0288 SHEETZ 00002881 DUNCANNON PA 29.00 03124 03125 24455912K42QFRSOP WAL -MART STORES, IN MECHANICSBUR PA 9.58 03124 03/25 24692162KOOV9GQ20 TWX'AOL SERVICE 0305 800-827-6364 VA 2.99 03124 03127 74761972LERE038TP AC MOORE ARTS&CRAFT 82 MECHANICSB CREDIT 1.16 - 03125 03/27 24399002M5F51XQPS OFFICE MAX 00007468 CARLISLE PA 20.13 03125 03127 24692162M003XOQSJ SUNOCO SVC STATION CAMP HILL PA 29.00 03127 03128 24692162NOOSMJG4B J2 'EFAX PLUS SERVICE 323-817-3205 CA 12.95 03126 03/29 24610432P03TBFJEY DUNHAMS #058 MECHANICSBURG PA 33.25 03127 03/29 24164052PB018Z2J9 EXXONMOBIL75 04546149 MECHANIC PA 30.11 03128 03/30 24610432R03TWQLWE STAPLES #643 MECHANICSBURG PA 31.78 03130 03/30 74756212TOOXVF8BN PAYMENr - rHANKYOU 300.00 - 03/29 03/31 24138292T9GJ79GLH LOWE'S #1710 CARLlSE PA 9.46 03/30 04/01 74138292S9GJBM7KV LOWE'S #1710 CARLlSE PA CREDIT 9.46 - 03131 04{03 24399002V5F51XQTN OFFICE MAX 00007468 CARLISLE PA 8.47 04104 04106 24455012ZLM7VG2GP HESS 38358 CARLISLE PA 25.01 04/11 04111 'FINANCE CHARGE. PURCHASES $115.93 CASH ADVANCE $10.36 126.29 NOTJCE: See reverse side for Important information. 5572 Z20 1 1 1 Page1of2 4953 1000 0076 0001 050411 01A05572 1382 . RUSSELL E CLOUSER 4756211269007598 Account Summa Previous Purchases & Balance - Payment -Credits . Cash Advances & + Balance Transfelll 11,874.31 300.00 21.28 335.55 VERIFIED BY VISA PROVIDES FREE ONLINE F YOUR CARD. WHEN YOU ENROlL. YOU CREA CONFIRMS YOUR IDENTITY WHEN USING YOU PURCHASES. IF YOU USE YOUR CARD TO MAKE WILL BE REQUIRED TO ENROLL IN VERIFIED B PLEASE VISIT YOUR BANK'S WEBSITE FOR ....... o.ily C DIlMy Periodic ANNUA ....~ R... PERCENTAG Cumtnt BlIIog Period Pun:l'lPes 11,379.67 .03287% 12-00% PrevlousBillinaPeriodPurt:hases 0.00 .03287% 12.00% Cash Advances 610.84 .05476% 19.99% 5572 Z20 , 7 7 1 Pag4I2of2 - FultnnBank Cu,T.... 0.-.011' . L-c"fTla/CJe_ 0.-.... O'O............DrvllIOII' . Gu.nV~yo....- ry Olhe, Charges Total New .FINANCE CHARGE :: Balance 0.00 126.29 12,014.87 RAUD PROTECTION FOR rE A PASSWORD THAT R CARD TO MAKE ONLINE PURCHASES ONLINE. YOU Y VISA AT NO CHARGE. MORE INFORMATION. ....- l E RATE FINANCE CHARGES ANNUAL Transacllon AlPeriodic PERCENTAGE F_. Roo'ft RATE 0.00 115.93 12.00% 000 10.36 19.99% 4953 1000 0078 0001 050411 01AD5572 1382 FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 == FUltonBank c...'T~o......O". L_C~nu.o.-lO" 0.."........... Dnrlac>>l . Ga....TVo\I.UYDnrlI'_ O Check here if address Of telephone number has changed. Please note these changes on the reverse side. PaYmllnl$ received 8t the mailing address below betonI2:00 p.m. will ll.-credhadloyourllOOOUnt..dthedll_dnteeipl Paymentt; reoolved at any other kluUofl may be IlUbject to . delay In cnM:Ilting of up to 5 da)'$ after the date of receipt. MAKE PAYMEHTTO: BANK CARD CENTER PO BOX 7268 LANCASTER, PA 17604-7268 ,,,11I,,,1,11..11,".1..11,,.1,,1.1,11111,,11111111111111,1. 4953 4756211269007598 Account Number New Balance Minimum Payment Due Payment Due Oat. Past Due Amount Amount Enclosed 4756 2112 6900 7598 12,088.17 242.00 06!07{05 0.00 $ RUSSELL E CLOUSER 1691 LISA M CLOUSER 11 COUNTRYSIDE CT CAMP HILL PA 17011-1518 .,,11111,111,'111.11111111..11.1,1,11.111,11111.11,'1111.111 00024200 1208817 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT AVAILABLE ClOSING PAYMENT CREDIT DATE DUE DATE ACCOUNT NUMBER 475621126900 7598 CREDIT LINE BALANCE DAYS IN BILLING PERIOD 411.00 ':':06110105 06107/05 29 12,500.00 12,066.17 Transactions Trans. Date I Post. Date I Reference Number I 04/10 04/11 04{13 04/14 04/17 04/18 04/24 04/24 04/24 04/26 O4(27 04/29 04/30 05107 05108 05110 04/12 04/13 04115 04/15 04/19 04/20 04/25 04/26 04/26 04/26 04/28 05102 05/02 05109 05110 05110 241640535BOl8Z6HD 24692163600EGBJ8B 24610433809F~49J 7454706390VV1783B4 2461 0433Q03VVDMZ1 R 24455013DLM7V8EA9 24692163J00ASM no 24692163LOOE!\B4KL 24692163LOOEAB4KQ 74756213LOOXSRZFK 24692163MooKD28PQ 24455013RLM7VVFQM9 24164053TB018YBVG 24692164OQ(K;V435G 24692164100JFU<SJ1 "FINANCE CHARGE. Description I . Amount EXXONMOBIL75 04546149 MECHANIC PA SUNOCO SVC STATION CAMP HILL PA THE HOME DEPOT 4120 MECHANICSBURG PA VVP-TRANSGAMING TEC OfTAVVA GB GIANr FOOD STORES #310 DILLSBURG PA HESS 38358 CARLISLE PA TWX'AOL SERVICE 0405 800-827-6364 VA SUNOCO SVC STATION CAMP HILL PA SUNOCO SVC STATION CAMP HILL PA PAYMENT - THANK YOU J2 'EFAX PLUS SERVICE 323-817-3205 CA HESS 38358 CARLISLE PA EXXONMOBIL18 09671363 NEVV CUMB PA SUNOCO SVC STATION CAMP HILL PA SUNOCO SVC STATION CAMP HILL PA PURCHASES $109.05 CASH ADVANCE $9.68 22.06 26.01 15.89 5.00 18.32 23.00 2.95 4.54 21.00 300.00 - 12.95 26.00 23.82 29.03 24.00 118.73 Account Summary Previous Purchases & 0"', Total New Balance - Payment - Credits + Cash Advances & . Charges +FINANCE CHARGE < Balance Balance Transfers 12,014.67 300.00 0.00 254.57 0.00 116.73 12,088.17 5572 Z20 1 NOTICE: See reverse side for Important Information. 7 7 Pagetof2 4953 1000 0076 0001 050510 Q1AD5572 1691 RUSSELL E CLOUSER 475621126900 7598 FUltonBank c......... Dnro...,.. . L_e-.c-_ 0.-.. o..,YU, a.-.. ~ . <;.....T VAlUY IJnoanMo A_ o.~ COmo_"" FINANCE CtfARGfS ANNUAl o.wy Periodic ANNUAL ranMdion AtP~ PERCENTAGE ..""~ .... PERCENTAGE RATE F_ Rate. RATE Current BNUnn Period Purchuel 11,442.82 .03287% 12.~ 0.00 109.~ 12.00% Previous Bitina P&riod Purt:ha8es 0.00 .03281% 12.00% """'''''''''''''. 009." .05476% 19.99% 0.00 9.68 19.99% 5572 Z20 1 T T P-o-2 of 2 <W53 1000 0076 0001 050510 01A05572 1681 FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 == FUUonBank: : C..'T.... Dn1.to.. . L_c.........,c..nu o.wu.o.. o.ovn,14JI_ Dwu..... . Go:"TV4U,Il' 0.",,_ Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756 2112 6900 7598 12,206.22 244.00 07{08/05 0.00 O Check here jf address or telephone number has changed. Please note these ctulnges on the reverse side. Pllyments received at the mailing addl'8$$ below before 2;00 p.m. will be credlt.cllo your IIt;:lXlUf1t .. d the dlIte of receipt. Paymenta <<Iceh{.d.. ao.y ottw \oCldion may be wbj4let to. delay In ~ of up to 5 da)'5 .ft8f the date d ftK;8ipt_ MAKE PAYMENT TO: $ BANK CARD CENTER PO BOX 7268 LANCASTER. PA 17604-7268 1"111...1,11,.11,'1.1..11".1..1.1.11,,1..11111..1..1,,1,1, RUSSELL E CLOUSER lb05 LISA M CLOUSER 11 COUNTRYSIDE CT CAMP HILL PA 17011-1518 1"111,1.111,'111.11".11,,,1111,1,'1.111..1....11,1111.,II, 4953 4756211269007598 00024400 1220622 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries To: BANKCARD DIVISION PO BOX 221 EAST PETERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BALANCE CREDIT DATE DUE DATE BilliNG PERIOD ~ 4756 2112 6900 7598 12,500.00 12,206.22 292.00 , 07/06105 31 ;',.-;'..,' Transactions Trans. Date I Post. Date' Reference Number I Description I Amount 05114 05/16 244550147LM7W23GJ HESS 38418 MARYSVILLE PA 31.04 05114 05116 7454706480W8ZA2YB WP-TRANSGAMING TEC OTTAWA GB 5.00 05115 05/17 241640548B018YA1F EXXONMOBIL75 04209722 CAMP HIL PA 25.00 05119 OS/22 24692164QooEW5KDK SUNOCO SVC STATION CAMP HILL PA 26.00 OS/22 OS/23 24493984E4YDOR37E MOVIELlNK MOVIE 310-264-8928 CA 4.99 05123 OS/25 24164054GB018XHK8 EXXONMOBIL75 04546149 MECHANIC PA 26.30 05123 OS/25 24455014GLM7V9QAK HESS 38285 CAMP HILL PA 15.01 05124 OS/25 24692164GooMDHNKL TWX'ADL SERVICE 0505 800-827-6364 VA 2.95 05125 05125 74756214HOOXV1SMH PAYMENT - THANK YOU 245.00 - OS/27 05{29 24455014LLM7WRLAD HESS 38358 CARLISLE PA 12.01 OS/27 05129 24692164KOOOWLLLS J2 "EFAX PLUS SERVICE 323-817-3205 CA 12.95 05129 05/31 24692164NOO5S390W SUNOCO SVC STATION CAMP HILL PA 23.35 06103 06/05 24692164VooJQYDAV SUNOCO SVC STATION ENOLA PA 25.66 06104 06106 24455014WlM7VZ8GY HESS 38358 CARLISLE PA 25.00 06110 06/10 "FINANCE CHARGE' PURCHASES $117.45 CASH ADVANCE $10.34 127.79 Account Summary Previous Purchases & Oil,., Total New Balance - Payment -Credits + Cash Advances & . Charges +FINANCE CHARGE = Balance Balance Trans1ers 12.088.17 245.00 0.00 235.26 0.00 127.79 12,206.22 NOTICE: See reverse side for important Infonnation. 5572 no 1 7 7 Pq1012 4953 1000 0076 0001 050610 01ADSSn 1605 ~USSEll E CLOUSER 4756211269007598 FllltonBank Co.>.,......o..-.o.. ~ L_,,_~o......_ Da4"...Lw.Dnu.ON . GQ.o.TV..unDnowo.. ^-- - ""'"_ FiNANCE CHARGES AllNIlAl Dally Periodic ANNUAL TflInlllction AtPenodic PERCENTAGE ._~ "10 PERCENTAGE RATE Fees Rates RArE Current Bil\h'1n Penoa Pun::heMs 11,528.48 .03281% 12.00% 0.00 117.45 12.00% Prevloos Billina Period Purc:h8Ms 0.00 .03287% 12.00% """'-~ 609.38 .05476% 19.99% 0.00 10.34 19.99% 5572 Z20 1 7 7 Page2of2 4953 1000 0076 0001 050610 01A055721605 FULTON BANK PO BOX 7268 LANCASTER. PA 17604-7268 == FUltonBank c....T....n.v........L..tC.........c.......o.......,... 0.0"11 LN. OrvmON . c;....T V~y Dn-mON Payments received at the mailing address below bef0f8 2:00 p.rn.. will be credited to your aa:ount .. db ct.te of receipt. ~ymenla received at ilny other location may be subject 10 . delay In cntdlting ofl.lpto5daysafterlhedatedreeelpt. MAKE PAYMENT TO: Account Number New Balance Minimum Payment Due Payment Due Date Past Due Amount Amount Enclosed 4756211269007598 12,374.71 247.00 08l09{OS 0.00 O Check hEtl8 if address Of' telephone number has changed. Please note these changes on the reverse side. $ BANK CARO CENTER PO BOX 7268 LANCASTER. PA 17604-7268 11.111..,1,111111",.111111111111.1,11111111..11111111111.1. RUSSELL E CLOUSER 2910 LISA M CLOUSER 11 COUNTRYSIDE CT CAMP HILL PA 17011-1518 llllll'IIII111I11IIl,"lllllll,I,IIlIlIllI.llllIlI,"I1I1I1. 4953 4756211269007598 00024700 1237471 PLEASE DETACH AND ENCLOSE TOP PORTION WITH PAYMENT See Billing Rights Summary on reverse side regarding telephone calls. Customer Service telephone number - 1-800-833-9295 Send Inquiries ro: BANKCARD DIVISION PO BOX 221 EAST PErERSBURG PA 17520-0221 STATEMENT ACCOUNT CREDIT AVAILABLE CLOSING PAYMENT DAYS IN NUMBER LINE BAlANCE CREDIT DATE DUE DATE BILLING PERIOD 4756 2112 6900 7598 12.500.00 12.374.71 124.00 ~~ OBl09/05 32 Transactions Trans. Date I Post. Date I Reference Number I Description T Amount 06109 06/12 24610435103VMTZOO GIANT FOOD STORES #112 CARLISLE PA 15.00 06112 06114 241640554BOl8Z5DL EXXONMOBIL75 04546149 MECHANIC PA 30.85 06/13 06/14 244939a544YD1DEXO MOVIELlNK MOVIE 310-264-8928 CA 4.99 06114 06/15 74547065615B7BG4A WP-TRANSGAMING TEC OTTAWA GB 5.00 06116 06/19 244550158LM7WOZ26 HESS 38418 MARYSVILLE PA 29.01 06/19 06/20 24692165AOONKPEW CLKBANK'COM DOWNLOAD 800-390-603510 34.95 06119 06121 24164055BBOl8Z66E EXXONMOBIL18 09655531 ENOLA PA 21.67 06124 06/26 24692165F0033R2T4 TWX'AOL SERVICE 0605 800-827-6364 VA 2.95 06127 06/27 74756215J00XVBVVYl PAYMENT - THANK YOU 300.00 - 06127 06/28 24692165JOOB92VOH J2 'EFAX PLUS SERVICE 323-817-3205 CA 12.95 06128 06/29 24164075KEG1V8WGM 0263 SHEETZ 00002634 CARLISLE PA 32.01 06127 06130 24692165KOODWR849 SUNOCO SVC STATION CAMP HILL PA 30.01 07/05 07/07 24692165V002FHYKX SUNOCO SVC STATION CAMP HILL PA 28.51 07/06 07{08 24692165WOO4YDKBY SUNOCO SVC STATION CAMP HILL PA 29.00 07/07 07/10 24326885XK08BGJVVX ADVANCED AUTO PRTS #1252 MECHANICSBURG PA 6.34 07/08 07/10 24435655Y02Z21WFR WINE & SPIRITS 2101 CARLISLE PA 21.19 07/09 07111 24403695ZS6MJ 1192 MAILBOXES ETC ENOLA ENOLA PA 10.00 07/09 07/11 24445005Z5ATHGNBZ CVS PHARMACY #2882 003 CAMP HILL PA 13.63 07/09 07/11 74445005Z5A THGNEP CVS PHARMACY #2882 003 CAMP HILL CREDIT 10.99 - 07109 07/11 24792625ZMTKOOO4Y RITE AID STORE 4818 MECHANICSBURG PA 11.99 07/10 07112 24810436009FERAEM THE HOME DEPOr 4120 MECHANICSBURG PA 5.99 07/12 07/12 "FINANCE CHARGE" PURCHASES $122.75 CASH ADVANCE $10.69 133.44 Account Summary Previous Purchases & Other Total New Balance - Payment -Credits + Cash Advances & + Charges +FINANCE CHARGE Balance Balance Transfers 12.206.22 300.00 10.99 346.04 000 133.44 12,374.71 NOTICE: See reverse side for Important Information. 5572 Z20 1 7 7 Page1of2 4i5J 1000 0076 0001 050712 01AD55722810 ---- ~ lRusseLL E CLOUSER FbltonBank 4756211269007598 c.......... 0...-.. . L...c..nu.oe-...... 0.....10.. .,.0............ On:.QON . GU4TVAUn" 0.-.0.. ^- DaRy ConlpClfldlng FINANCE CHARGES ANNUAL D." Periodic ANNUAL Tnan..ctlon Al.Periodk PERCENTAGE ."""" R... PERCENTAGE RATE F_ Rates RATE CUllllnt BIIIinn P.ood PUrdluel 11,671.68 .03287% 12.lX)% 0.00 122.75 12.00% PrevlouaBilinoPerioclPurt:hales 0.00 .03287% 12.00% Cash Advanon 610.35 .05476% 19.99% 0.00 10.69 19.99% - 5572 Z2D 1 7 7 1 P92of2 .953 1000 0070 0001 050712 01AD5572 2910 - - , . CSS DETAILS ON FILE E*CLOUSER, LISA ** NO MORE CLOUSER, RUSSELL 56211269007598*0 01 0816 0816 74756217400XSWLM2 02 03 13614.88 06434 23.49 06571 23.99 *FINANCE CHARGE* 25.00 .00 23.49 PREVMDSE 23.99 13053.80 Tracee **CRCD 840 RL 0001 OF 0001 14:07:55 10/25/05 M*ll COUNTRYSIDE CT**CAMP HILL*PA*17011-1518*47 0912 1010 32N 2128.43 X 12500 1406 7 1 PAYMENT - THANK YOU 25.00- OVERLIMIT FEE 35.00 PURCHASES $268.74 CASH ADVANCE $12.81 281.55 CTD .00 MDSE .00 35.00 ADB-CASH 609.65 281.55 FC MDSE 268,74 13906.43 FC CASH 12.81 - . '1' . ~ CSS Tracee .. NO MORE CLOUSER, RUSSELL 56211269007598'0 01 02 DETAILS ON FILE '*CRCD 840 RL 0001 OF 0001 14:08:02 10/25/05 E'CLOUSER, LISA M*ll COUNTRYSIDE CT**CAMP HILL'PA*17011-151B'47 1011 1108 29N 2673.61 EX 12500 0 7 1 OVERLIMIT FEE 35.00 'FINANCE CHARGE* PURCHASES $248.38 CASH ADVANCE $11.80 260.18 13906.43 06434 23.49 06571 23.99 .00 .00 23.49 PREVMDSE 23.99 13312.34 CTD .00 MDSE .00 35.00 ADB-CASH 619.45 260.18 FC MDSE 248.38 14201. 61 FC CASH 11.80 ~ 'f _ ess amk ** ENTER CPF.TO DISPLAY NEXT CRCD 840 RL 0001 OF 0001 14,07,13 08/24/05 CLOUSER, RUSSELL E* CLOUSER , LISA M*ll COUNTRYSIDE CT**CAMP HILL*PA*17011-1518*47 56211269007598*0 01 0711 0713 24692166100G5XV7B 02 0714 0715 7454706641PZDYYQM 03 0716 0718 24692166600W369FD 04 0719 0720 247170568JMX78JPT 05 0719 0721 243268869KQ8BGSW8 06 0719 0721 244550169LM7P9VXH 07 0719 0721 246921669005N453D 08 0720 0721 24755426A3HLKEQAW 09 0720 0722 24142026BOJS47ZRR 10 0720 0722 24661006A3FWPZEL4 11 0724 0725 24692166DOODQ2TVl 12 0724 0726 24692166EOOHOF84J 13 0726 0729 24692166HOONQIN3N 14 15 12374.71 03287 12.00 05476 19.99 .00 .00 12.00 PREVMDSE 19.99 11820.26 - 0811 0908 30N 1611.88 X 12500 SUNOCO SVC STATION CAMP HILL PA WP-TRANSGAMING TEC OTTAWA GB SUNOCO SVC STATION CAMP HILL PA NAPA AUTO PARTS CARLISLE CARLISLE PA ADVANCED AUTO PRTS #1252 MECHANICSBURG P HESS 38358 CARLISLE PA SUNOCO SVC STATION CAMP HILL PA BITNER ELECTRIC INC HARRISBURG PA CAPITAL CITY OIL CORP. 717-7374188 PA DR BRICE ARNDT CAMP HILL PA TWX*AOL SERVICE 0705 800-827-6364 NY SUNOCO SVC STATION CAMP HILL Ph SUNOCO SVC STATION CAMP HILL PA OVERLIMIT FEE LATE FEE 1036.24 CTD MDSE 737.97 70.00 ADB-CASH 615.56 133.93 FC MDSE 123.82 13614.88 FC CASH 10.11 1114 7 1 26.41 5.00 30.00 18.21 29.09 29.10 10.01 87.62 500.00 250.00 2.95 20.85 27.00 35.00 35.00 ;;> . r I I , I I L ! ~ " - " - "" ~22 ~.. 22'_ t t DAn e IS OS- 2650 P~al~ RUSSELL E. CLOUSER . USA M. CLOUSER the 11 CQUNTRYSlOE CT. 717.737.3334 i Lord . c.u.lP HILL. PA 17011 i~J;" 8Clc\\{ CCl."" Cc<'lt~r . ~ cu ~ C/~-(;,;v,. ~ ~~-- ~ PultonBank . . Cap4aI OMIloOOI' . ~ a.nk ~. . . ...... V_ 0- . ~IC-... o..,..on. Ar -...-n """"'-' ~'5,"-"Z.II;)-CDG~c..--ltGQ. __I-::__--:'_~.J ._.__..___________w 1:01.10.1.221: 22J.<l i!O?<li!u. i!&SO .'.0000002500." $ . :l.S. 00 ~ OOLL^RS ~ e.:::- "!~ ~...-. --' _...~- -- ~-=-~. ..... . -.... - ---- r I i I I Check Number 2650 - T/R 03130142 - Account 221920792 - ProcessCode Amount 25.00 - Posted 08-16-2005 - Reference Number 23 04425630 01 L I I I I I I ! .-....~~.#-~--:~ ~ ~....~~--= ( . -. - - ~.}I-'~' '-?'..., ,: TJ TJ!:Ji'. ,: .......,''1. - ----.. --- . ... ~ "'1 : . " . lo~'Hl~tS lk~l>'ilt2 't()/'n~ ~.9t-et )<~I*I€&. ;v/w I<<lrJU --,1 ~- I I I I I I I "Exhibit C" S'-I 'co ~ -0 '" (3 '" -0 '" -< ~ '" '" <' o. '" '" 3 ~. o. => '" 0. o => 2 '" -0 -0 '" ~ S'''' '" ii "''< 3 0 ","',< 2: ~ g => < "'''''' tll ~ ~ 3 co" CD o 0. 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"h'" ~ "p, le "W,' ,,' C 'C"<' ,0, 'F"~"'" C1" " G'" < ,'" "~'i" "i' F "!,Fi"Th~'~nn <cr' ri":~i:;: f' . "Exhibit D" ENDER COMPLETE THIS SECTION COMPLETE THIS SECTION ON DELI~'ERY A. . Compl!"" _Hems 1, 2, and 3, Also complete item 4 jfRestricted Delivery is desired. . Print your name and address on the reverse $0 that we can return the card to you. . Attach this card to the back 01 the mailpiece. or on the front if space permits. x es [] No ~.:r . : ;,;:.,0 ! ! 1. Article Addre~ to: S" R_by/_Name) evt;<cl\CI~I. D.IsdelN8ly__flOm..... KYES, enter deIIwcy __ below: Russell E Clouser Lisa M Clcuser 11 Countryside Ct. Camp Hill, PA 17011 3. ServiceTypo I'J Certifoed Mall [] _ Mall o Registered 0 Return Receipt fQf..Merchandise o Insured Mail 0 C.O.D. ." Roslri_ Delivery? (Extra Fee) [] Yes 2. Article Number (Transfer from service label) PS Form 3811, August 2001 7004 1160 Duul 9b85 5487 Domestic Return Receipt 2ACPRI-()3..Z~ f"'- <0 ::r Ul u.s. Postal Service CERTIFIED MAIL ECEIPT (DomestIc Mad OnlY' No In C ' ce overage PrOVided) Ul <0 ,JJ a- M o o o o ,JJ M M . . '" . . . . 0 F F I CIA l U S E 1 -- . """"",,,,- /; -........- /\Q\~ (LJldc.._._4~ /VJ/c:y-: ~':."'".",- ( ( ~ / _i 0" . \ ~(' Total POlItage & ~ $ \c.\ v \...s~..... - .. ~ ..::r- Swtto "8--', i3 --"""h.~_U._S.~_~'~~...~m~~!a M Clouser r-- ~:;';:'~'~h "~ountrys'i'd;;;.nC't.:...mm.--nm_....- CIty -.. ZIP+4 C a~pn-H'ii"i:";--m'PA--'1-70'l'1--'n"....n-- " . " to '. Russell E. Clouser Lisa M. Clouser 11 Countryside Ct Camp Hill, PA 17011 Dear Mr. & Mrs. Clouser: Your account is in a DEFAULT status. Demand is hereby made for the arrearage on your Fulton Bank Visa account number 4756-2112-6900-7598 which was opened in March 1997 and has an outstanding balance of $14,201.61. The amount required to restore the debt to a current status is $972.00. Failure to comply with this demand within ten (10) days from the date of this letter may result in additional collection efforts up to and including legal action, Please give me a call or e-mail me if you should have any questions in reference to this matter or if you would like to discuss other options for repayment Sincerely, Tracee R Herb Senior Loan Adjustor Bank Card Center Fulton Bank 717-581-3619 800-52 I -86 I 7 THerblalFultonBankcom VERIFICATION Fulton Bank v. Russell E. Clouser and Lisa M. Clouser I, Linda M. Laney, being duly affirmed according to law, depose and say that I am Loan Recovery Specialist for Fulton Bank; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief To the extent that any of the averments in the foregoing document are based upon the understanding or application oflaw, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A 94904, relating to unsworn falsification to authorities. Dated: iI111,,, I , c;{~ ~. f7 Linda M. Lm\4 1542598-1 (::) ~ A) ~ ~ \t ~ . 10 _ .1:: C) ~ U) -J W ""\) k- w ~ I b; Vl :b t --L...." .', ., L '--\ 8 --"',j :\ I .-"- . SHERIFF'S RETURN - REGULAR . CASE NO: 2006-00484 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FULTON BANK VS CLOUSER RUSSELL E ET AL SHARON LANTZ Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CLOUSER RUSSELL E the DEFENDANT , at 1835:00 HOURS, on the 30th day of January 2006 at 11 COUNTRYSIDE COURT CAMP HILL, PA 17011 by handing to LISA CLOUSER, ADULT IN CHARGE 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 Service Affidavit Surcharge 18.00 13.20 .00 10.00 .00 41.20 So Answers: 0-' -?"/ _.>-..:,::;:;~ <~" ':"~-::':"~ '.,-- 7 .,..,/~~~ ,,',.; ./ ./~ ""4 _,,;_~~ j " R. Thomas Kline me this "" '1~ day of 01/31/2006 BARLEY SNYDER BY~"ML~ ,/ Deputy Sheriff Sworn and Subscribed to before A.D. ~ , SHERIFF'S RETURN - REGULAR CASE NO: 2006-00484 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FULTON BANK VS CLOUSER RUSSELL E ET AL SHARON LANTZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CLOUSER LISA M the DEFENDANT , at 1835:00 HOURS, on the 30th day of January 2006 at 11 COUNTRYSIDE COURT CAMP HILL, PA 17011 by handing to LISA CLOUSER 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 Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 - ~'. '-"-." -I , ':~.",.,~;~ R. Thomas Kline 01/31/2006 BARLEY SNYDER j A.D. Sworn and Subscribed to before By: me this Ii:- 7~ day of < Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, PA 17011 (717) 737-3334 Defendants, in propria persona. FULTON BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LlSA M. CLOUSER, CIVIL - LAW Defendants. CERTIFICATE OF SERVICE I certifY that a copy of the foregoing Request for Admissions - Set 1, Interrogatories - Set 1, Request for Production of Documents - Set 1 was sent on the 13th day of February, 2005, by mailing a copy of the same via Certified mail number 7004-2510-0007-6454-9310 to the following person: Barley Snyder, LLC Shawn M. Long, Esquire 126 East King Street Lancaster, P A 17602 O\~lnqlS By: Jeff Haulman 229 West Dauphin Street Enola, P A 17025 8f/f )f4id41W~~ Certificate of Service - Page 1 of 1 [-1 i :(1 Ab\iJ.( 1 ~ I '..,>1 ~ . ,j S! fJ3j JJUZ ! ... ~ Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, PA 17011 (717) 737-3334 Defendants, in propria persona. FULTON BANK, : IN THE COURT OF COMMON PLEAS Plaintiff, : CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER, LISA M. CLOUSER, CIVIL - LAW Defendants. REQUEST FOR ADMISSION - SET 1 To Fulton Bank, Shawn M. Long, attorney of record for Fulton Banle You are hereby served with Request for Admissions pursuant to Rule 4014 of Pennsylvania Rules of Civil Procedure. Your responses thereto must be served upon the Russell E. Clouser and Lisa M. Clouser, Defendants, within the time limits specified in the Rules. Request No.1. Admit that Defendants had an account with Plaintiff bearing the account number 4756211269007598. Request No.2. Admit that Defendant is/was entitled to all credits to account 4756211269007598 that were entered by Plaintiff. Request No, 3. Admit that Defendant has paid account 4756211269007598 in full. Page] of2 .. , Request No.4. Admit that there is not money due and owing to Plaintiff by Defendant. Request No.5. Admit the Defendant IS not m default on account 4756211269007598. Request No.6. Admit that Plaintiff complied with Generally Accepted Accounting Principles (GAAP) respecting all payables and receivables for account 4756211269007598. Request No.7. Admit that Plaintiff complies with loan and extension of credit procedure in accordance to the Federal Reserve Bank. Dated this 13th day of February 2006. Respectfully submitted and signed by, Russell E. Clouser Lisa M. Clouser -~ ,~,~ /It CIu,,,;Je Page 2 of2 Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, P A 17011 (717) 727-3334 Defendant, in propria persona. FULTON BANK, : IN THE COURT OF COMMON PLEAS Plaintiff, : CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, CIVIL - LAW Defendants. INTERROGATORIES - SET 1 To Fulton Bank, Shawn M. Long, attorney of record for Fulton Bank: You are hereby served with Interrogatories pursuant to Rule 4005 of Pennsylvania Rules of Civil Procedure. Your responses thereto must be served upon the Russell E. Clouser and Lisa M. Clouser, Defendants, within the time limits specified in the Rules. Interrogatory No.1. Identify each and every person involved in any way in answering these interrogatories by providing their address and telephone number and job description. Interrogatory No.2. State the name, address and phone number of the Custodian(s) of Records with personal knowledge of all the bookkeeping and journal entries, records and/or documents related to Defendant's account number 4752211269007598. Page I of2 .- Russell E. Clouser Lisa M. Clouser II Countryside Court Camp Hill, P A 17011 (717) 737-3334 Defendants, in propria persona. FULTON BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, : CIVIL - LAW Defendants. REQUEST FOR PRODUCTION OF DOCUMENTS - SET 1 To Fulton Bank, Shawn M. Long, attorney of record for Fulton Bank: You are hereby served with Request for Production of Documents - Set I pursuant to Rule 4009.11 of Pennsylvania Rules of Civil Procedure. Your responses thereto must be served upon the Russell E. Clouser and Lisa M. Clouser, Defendants, within the time limits specified in the Rules. Request No. I. Please produce aU copies of documents, records, journals and bookkeeping entries related to Defendants account number 4752211269007598. Please note that this is not a reauest for monthlv statements already mailed Defendant. but the underlving accounting of Defendant's account sued on, Page 1 of2 (') " " -'1""\ ,...J C-') ,- G:~' o --n ::-.:1 1.',1~ .J .;.....:;. " Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, P A 17011 (717) 737-3334 Defendants, in propria persona. FULTON BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS, Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, CIVIL - LAW Defendants. CERTIFICATE OF SERVICE I certify that a copy of the foregoing Answer to Complaint; Demand for Jury Trial was sent on the 13th day of February, 2005, by mailing a copy of the same via Certified mail number 7004-2510-0007-6454-9310 to the following person: Barley Snyder, LLC Shawn M. Long, Esquire 126 East King Street Lancaster, P A 17602 By: o rq \ nQ Is Jeff Haulman 229 West Dauphin Street Enola, P A 17025 ~ ,)1~"'V)l0'\L- ~vrtificate of Service - Page 1 of I 1;\ , 8! :rl ~ ! f ! I.,... (' v (1~ I'""J-' cL:L1 jUi l At:'iY , Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, PA 17011 (717) 737-3334 Defendants, in propria persona. FULTON BANK, : IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS, Case No.: 06-484 RUSSELL E. CLOUSER, LISA M. CLOUSER CIVIL - LAW Defendants. ANSWER TO COMPLAINT: DEMAND FOR JURY TRIAL COMES NOW, Russell E. Clouser and Lisa M. Clouser, Defendants and hereby answers the Plaintiffs Complaint as follows: 1. As to paragraph I, the Defendants are without sufficient information to form a belief as to the truth of the allegation, on that basis, denies that allegation, 2. As to paragraph 2, it is hereby admitted. 3. As to paragraph 3, it is hereby admitted. 4. As to paragraph 4, it is hereby admitted. 5. As to paragraph 5, regarding the copies of the Plaintiff's statements, it is hereby denied, the statements of the account are not accurate and are disputed by the Defendants. As to the Fulton's Visa Agreement, the Defendants have no possession of such agreement. Defendants are Answer to Complaint - Demand for Trial by Jury - Page 1 of 3 ... without sufficient information to form a belief as to the truth of the allegation, and on that basis, denies that allegation. 6. As to paragraph 6, it is hereby denied as Plaintiff has failed to credit the account for payments made by Defendants or for others who have made payments on our behalf. 7. As to paragraph 7, it is hereby admitted. 8. As to paragraph 8, Defendants are unaware of the conditions and terms of the agreement and Defendants have no possession of such agreement. Defendants are without sufficient information to form a belief as to the truth of the allegation, and on that basis, denies that allegation. 9. As to paragraph 9, Defendants are not sure how the Plaintiff has arrived at the balance due and owing. Defendants are without sufficient information to form a belief as to the truth of the allegatio~ and on that basis, denies that allegation 10. As to paragraph 10, it is hereby denied as Plaintiff has failed to credit the account for payments made by Defendants or for others who have made payments on our behalf. I I. As to paragraph I I, the Plaintiff has already received a billing error dispute letter dated August 23,2005. The letter was sent by Certified Mail, Return Receipt Requested on August 23,2005. A true and correct copy is attached as Exhibit "I". NEW MATTER 12. First New Matter: Defendant has no knowledge of any of the specific items on the account sued on, or if any of such items were authorized by the Defendants and duly charged to the account. 13. Second New Matter: There is no money due and owing, as the account has been paid in full. Answer to Complaint - Demand for Trial by Jury - Page 2 of3 '" 14. Third Matter: Plaintiff has failed to perform its condition precedent under Federal Law by failing to resolve certain matters in dispute with Defendants prior to bringing this action. 15, Fourth Matter: Plaintiff breached the original contract by pursuing collection efforts notwithstanding the dispute unresolved with Defendant. DEMAND FOR JURY TRIAL 16. That the Defendant hereby demands a trial by a jury in this instant case. PRAYER Defendant Prays that the complaint be dismissed or a judgment entered in favor of Defendant with cost to Defendant for having to defend this frivolous lawsuit and for any other cost that the court may deem reasonable and just. VERlFICA TION I, verify that the foregoing statements are true and correct subject to penalties pursuant to 18 Pa. C.S. Section 4904. Dated this 13th day of February 2005. Respectfully submitted and signed by, Russell E. Clouser Lisa M. Clouser ~)- ~.Jl)f~ . Answer to Complaint - Demand for Trial by Jury - Page 3 of 3 , ~. ~. ~ Regular Mail &: Certified Mail #: 7004 2510 0007 6454 9358 Fulton BIlIlk Credit Card Services P.O. Box 221 East Petersburg, PA 17520-0221 August 23,2005 RE: Billing Error on Account # 4756211269007598 Aroount in Dispute: $13,614.88 Dear Fulton Bank Credit Card Services: I am writing regarding the above account. [ believe that my most reeent statement, August II, 2005 is inaccurate. I am disputing the above amount because I believe that you Med to credit my _ tbr prepayroents you ap-eed to credit 011 the statement dated August II, 2005. It _ my understanding that when I entered into lhe qree!Ilent with you that you would accept my signed note(s) or other similar instnunent(s) as money, credit or payment for previous account traIIsal:ticms, and then ",fleet those credits in the statement dated August II, 2005. They do not appear in lhe ~ent and I am wondering why. The amount of the credits on the prepayments ofmoney or credit ac:cepted by you should be the approximate amount that I list above. I am making this billing inquity since I am uncertain of all the dates of the prepaid credits and also since there DIllY be additional credits that I am entitled to. Pleue provide me with a written explanation why these credits are not showing. I 8Dl requesting that you provide me with an acknowledge!llent of this billing error IIIId COIIIpIetc a full investigation by sending me a written explanation report related to the subject matter of this bil1ing error. I 8Dl also requesting additional documentary evidence of indebtedness of the account showing that you did not accept any note or similar instnunent from me without properly crediting my account as agreed, which includes copies of the account entries that made you arrive at the recent ba1ance shown on my s1atement. I roay exercise my right to withhold the disputed amount until you comply. TI)ank you for your time and consideration in this matter. If you have any questions please contal;t me immediately at the address below, but IIIlIke sure your questions reference 11II acknowledgement to this billing error dispute. Lastly, please remove my phone numbers, 717-737-3334 and 717-249-2288, from your solicitation list as I do not wish to do any business with Fulton Bank Credit Card Services oVer the phone. I am requesting that all communications be condw:ted in writing, and I appm:iate YOlU' honoring my request. Sincerely, Jt~.J ~/!t. ~ R Ii E Clouser Lisa M. Clouser II Counttyside Court CampHiII,PA 17011 Exhibit. 1- . . " .a U'l ,." ll" U S postal SCt VICC CER1IFIED ~lAIL RECEIPT ([)omc,>liL ~,f,J/I, )n/y Nu /11 <.; ur lilt (' Co~ "I I<W PI{!\; lied) :r U'l :r ..lI E~tw i07I2cA. L E :r o o I'" 1baII_.- -' I'" ' g \ -I'M o ~,J= o _DolIIorII'M M (&.._...~ U'l ru Exhibit' 1. C,' C) -< ,-; '-'I No, 06-484 BARLEYSNYDER,LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, P A 17602 (717) 299-5201 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. 06-484 Defendants PLAINTIFF'S REPLY TO NEW MATTER 12. Denied for the reasons set forth in the Complaint. 13" Denied for the reasons set forth in the Complaint. 14" Denied as a conclusion of law to which no responsive pleading is required. 15. Denied as a conclusion oflaw to which no responsive pleading is required. 16. No responsive pleading is required. WHEREFORE, Plaintiff, Fulton Bank demands judgment against Defendants as set forth in the Complaint. 1567011-1 -r: rj c:) r,,'" '" (::-i Ci BARLEYSNYDER,LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, P A 17602 (717) 299-5201 FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. 06-484 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LA W No. 06-484 Defendants CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Reply to New Matter has been served this II Sf day of February, 2006, by first class mail, postage prepaid, upon: 1567011-1 Russell E. Clouser Lisa M. Clouser II Countryside Court Camp Hill, P A 170 II By: Sha . Long Esquire Atto eys for 1. intiff Court I.D. NOt 3774 126 East King treet Lancaster, P A 17602 (717) 299-5201 ,'-,,) ,,-,, , ;'.~ ' ) c:: Russell E. Clouser Lisa m. Clouser 11 Countryside Court Camp Hill, PA 17011 717-737-3334 Defendants, in propria persona. FULTON BANK, : IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, CIVIL - LAW Defendants. NOTICE TO PLEAD To Fulton Bank, Shawn M. Long, attomey of record for Fulton Bank: PLEASE TAKE NOnCE that pursuant to Pennsylvania Civil Ru1es of Procedure, Rule 1361, you are hereby notified to file a written response to the enclosed Motion for Summary Judgment within twenty (20) days from service hereof or a judgment may be entered against you. Dated this 13th day of April 2006. Respectfully submitted and signed by Russell E. Clouser, Lisa M. Clouser 11 Countryside Court Camp Hill, PA 17011 717-737-3334 _VJJO:]- ~~ J1l_ (J~ Notice to Plead - Page 1 of ] Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, P A 17011 717-737.3334 Defendants, in propria persona. RUSSELL E. CLOUSER, : IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYL V ANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LlSA M. CLOUSER, CIVIL - LAW Defendants. MOTION FOR SUMMARY JUDGMENT To Plaintiff, Fulton Bank, and Shawn M. Long, attomey of record for Fulton Bank: PLEASE TAKE NOTICE that pursuant to Pennsylvania Rules of Civil Procedure, Rule 1035.2, Russell E. Clouser and Lisa M. Clouser, Defendants, will move the court for an order granting summary judgment in favor of Defendants. This motion is made on the grounds that Plaintiff has failed to respond to Defendant's Request for Admissions, and based on that, there is no issue as to any material fact and Defendant's are entitled to a summary judgment as a matter of law. This Motion will be based on the Notice of Motion, Memorandum in Law, and the Affidavit of Russell E. Clouser and Lisa M. Clouser, and any further oral or documentary evidence introduced at the hearing of this Motion. Motion - Page 1 of2 A Notice to submit Ruling will be filed accordingly, but if the court finds it necessary to have a hearing on the matter, the court in its discretion shall set time and a date for such hearing and give notice to all parties. VERIFlCA nON I certify under penalty of perjury and pursuant to the laws of Pennsylvania that the foregoing statements are true and correct. Dated this 13th day of April 2006. Respectfully submitted and signed by Russell E. Clouser Lisa M. Clouser, II Countryside Court Camp Hill, PA l701l 717-737-3334 _~@J ~2 MCJ~ Motion - Page 2 of 2 ~" . Russell E. Clouser Lisa M. Clouser 11 Countryside Court Camp Hill, PA 17011 717-737-3334 Defendants, in propria persona. FULTON BANK, : IN THE COURT OF COMMON PLEAS Plaintiff, ; CUMBERLAND COUNTY, PENNSYLVANIA VS. : Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, : CIVIL - LAW Defendants, VERIFICATION OF RUSSELL E. CLOUSER AND LISA M. CLOUSER IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT I, Russell E. Clouser and Lisa M. Clouser, being duly sworn, depose and state that the foregoing statements are based on personal knowledge and if called to testifY to the same I would testifY as follows; 1. That on and about February 13, 2006, 1 sent Plaintiff a copy of my Request for Admissions. A true and correct copy thereof is attached hereto and incorporated herein by this reference as Exhibit" I." 2. That on and about February 14,2006, Plaintiff received a copy of my Request for Admissions. A true and correct copy of proof of service by the United States Postal Service and certified mail receipt is attached hereto and incorporated herein by this reference as Exhibit "2." Verification - Page I of 2 .. 3, That as of this date, Plaintiff has failed to respond to my Request for Admissions. 4. That I have no liability for this debt. VERIFICATION I, verifY that the foregoing statements are true and correct subject to penalties pursuant to 18 Pa. C.S. Section 4904. Dated this 13th day of April, 2006. Respectfully submitted and signed by Russell E. Clouser and Lisa M. Clouser, ~ ;;G~ ill ('i,~t'- Verification - Page 2 of 2 . C@fF> Russell E. Clouser Lisa M. Clouser II Countryside Court Camp Hill, PA 17011 (717) 737-3334 Defendants, in propria persona. FUL TON BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYL VANIA VS. : Case No.: 06-484 RUSSELL E. CLOUSER, LISA M. CLOUSER, CIVIL - LAW Defendants. REQUEST FOR ADMISSION - SET 1 To Fulton Bank, Shawn M. Long, attorney of record for Fulton Bank: You are hereby served with Request for Admissions pursuant to Rule 4014 of Pennsylvania Rules of Civil Procedure. Your responses thereto must be served upon the Russell E. Clouser and Lisa M. Clouser, Defendants, within the time limits specified in the Rules. Request No. I. Admit that Defendants had an account with Plaintiff bearing the account number 4756211269007598. Request No.2. Admit that Defendant is/was entitled to all credits to account 4756211269007598 that were entered by Plaintiff. Request No.3. Admit that Defendant has paid account 4756211269007598 in fulL Page lof2 Exhibit ,.1 @@~ Request No.4. Admit that there is not money due and owing to Plaintiff by Defendant. Request No.5, Admit the Defendant is not in default on account 4756211269007598. Request No.6. Admit that PlaintitI complied with Generally Accepted Accounting Principles (GAAP) respecting all payables and receivables for account 4756211269007598. Request No.7. Admit that Plaintiff complies with loan and extension of credit procedure in accordance to the Federal Reserve Banle Dated this 13th day of February 2006, Respectfully submitted and signed by, Russell E. Clouser Lisa M. Clouser ~ ~' '"1 /oj '. 0/LL4'~ Page 2 of2 Exhibit # 1. . . Jt2J UNITED ST11TES POSTilL SERViCE COpy Home j Help Track & Confirm Search Results Label/Receipt Number: 7004251000076454 9310 Status: Delivered Your item was delivered at 10:13 am on Februal'f 14, 2006 in LANCASTER, PA 17608" a 2::: '~;: ''., ., ; \H F.E.:>-;- ',~;? .:1 p(,~,s,~(';w'.~ 1--~~ ''(;is- A.h/ijiCJJ.JI D!...;li.Ji!s.' fi.:;tHnllt. USPS ,C..3,,>,, H,;Jtif." :. T.rack &. Confirm .:- l.l>r;:u Enter LabeUReceipt Number S:>:; tn,':;;? '::t'j"j{;;F:t!!D ...:; :;:)'.i - i~,q: ;~: ,n,t:; '~';!' _', \;, It::._,;:;,; & Pn:.,cn:er ,::',c '~i)J_ir:t~, j ?"I~i(;i j, ';~. 1 ._J a .. -.. i ,," - . ,-'I" - . m .I',....!.,: . . . ; . . .-~..- .. ~:. [f" ~ r~'~;!:~~~',l~'I::,i'H;:),\:l~~'~'''':;':~.,;..~dl~J I~ ,,; '.;"':,~,1"I:l'. J ~ L ~i;) f''-' iN; it :tj'; :''''!-!\'''' Yt( :<:';,t: _~__ .JJ -" F~tp,ge $ Cert!flJi,ld fea Retllrn Receij:jt 'Fee ?c,Slrl'ltl>X {Encor2el'T'€r,! ReQl,ljp:'l~l i'l>i;W1 f1es:ricted DeJII.'el"J f~ j (Endcf!>artlent R<:quJr~tfJ) TOlt.ll Post<!ge & F~e$ $ f'- o o o o ,-'I lJ1 ru :r ~ tI3::~~_B.-,},'..~_~_'i"__~\L~)Q"~,:.,b.,L.,(",~_~,:_~,~_~~lfj' SI""'tAp'''~. L 1/ "t I. 010080'''''" 126 ce,>" "'-' Or. S re<,~ .. ..,.'..._ _ ..___ _ ... ___'...... ... ,_,._ ". ...... '.' ."...__ _ ______... .~~~::L..fi.,._. ..._..~._ ....h._, ....'_~ i"'~St",$?I"-'lc{nco~-1('r PA lICe,,;;! : ~;f:li,~Jt~~t{,?;:~t,~ 7'.-,~bF '~q:I~;'P'~~ Exhibit t 01 ~qoO r", r-' __4 -- G~ " - C' Russell E. Clouser Lisa M. Clouser II Countryside Court Camp Hill, PA 17011 717-737-3334 Defendants, in propria persona. IN THE COURT OF COMMON PLEAS FUL TON BANK, Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA VS. Case No.: 06-484 RUSSELL E. CLOUSER LISA M. CLOUSER, CIVIL - LAW Defendants. CERTIFICATE OF SERVICE I certify that a copy of the foregoing Motion for Summary Judgment, Verification of Russell E. Clouser and Lisa M. Clouser in Support of Motion for Summary Judgment, Memorandum of Law in Support of Motion for Summary Judgment, Notice to Plead, Order was sent on the 13th day of April, 2006, by mailing a copy of the same via Certified mail number 7005-1160-0002-3086-7710 to the following person(s): Barley Snyder, LLC Shawn M. Long 126 East King Street Lancaster, PA 17602 By: Jeff Haulman 229 West Dauphin Street Enola , P A 17025 ~~YVMl Certificate of Service - Page 1 of 1 f~.' ", -'iI C') \'0 No. 06-484 BARLEYSNYDER,LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, P A 17602 (717) 299-5201 Attorneys for Plaintiff Fulton Bank Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FULTON BANK, v. RUSSELL E. CLOUSER, and LISA M. CLOUSER, No. 06-484 Defendants PRAECIPE TO THE PROTHONOTARY: Kindly mark the above-captioned matter discontinued and ended, without prejudice" By: 126 East King Street Lancaster, P A 17602-2893 (717) 299-5201 1610620-1 <\ PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. --------------------------------------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) FULTON BANK (Plaintiff) vs. RUSSELL E. CLOUSER LISA M. CLOUSER (Defendant) No. 06-484 Civil Term 1. State matter to be argued (Le., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Defendant's Motion for Summary Judgement 2. IdentifY counsel who will argue cases: (a) for plaintiff: Shawn M. Long, Esquire (Name and Address) King Street, Lancaster, 126 East (b) for defendant: Russell E. Clouser (Name and Address) 11 Countryside Court, Camp Hill, PA 17011 3. I will notifY all parties in writing within two days that this case has been listed for argument. PA 17608-3126 4. Argument Court Date: July 12, 2006 ~ Russell E. Clouser Print your name Dme: June 12, 2006 Pro Se Attorney for (') -;~ r-,,) = = cr. ~ ~..,., nlr -n P-l ~'.:1~'\ :;2~~ ~~ "'~> cD =< '-- s; -- N -rJ -:~~ N -.l