HomeMy WebLinkAbout07-5575
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: 0'7- SS7S- NI t -rem
vs.
ANDREW J KREIDERIII
AKA ANDREW J KREIDER
COMPLAINT IN CIVIL ACTION
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06078945 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS.
ANDREW J KREIDERIII
AKA ANDREW J KREIDER
Defendant
Civil Action No 0 7- Sj7s ? I-__
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
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 REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 .
2. Defendant , is adult individual(s) residing at the address listed
below:
ANDREW J KREIDERIII
3 PHEASANT CT
MECHANICSBURG, PA 17055
Count I - 5401683010077763
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5401683010077763 .
4. Defendant made use of said credit card and has currently a balance
due and owing to Plaintiff, as of September 12, 2007 , in the amount
of $4463.47 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable. A true and correct copy of
the Statement of Account is attached hereto, marked as Exhibit "1" and
made a part hereof.
6. Plaintiff avers that the Agreement between the parties provides
that Defendant will pay Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $500.00 .
8. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, finance
charges, attorneys' fees, or any part thereof to Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count I against Defendant ,
ANDREW J KREIDERIII , INDIVIDUALLY the amount of $4463.47 with
continuing interest thereon at the statutory rate of 6.000% per annum
from the date of judgment, plus attorneys' fees of $500.00 and costs.
COUNT II - 4266841035410297
9. Plaintiff incorporates by reference each of the preceding
paragraphs of the Complaint as if the same were set forth more fully
at length herein.
10. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266841035410297 .
11. Defendant made use of said credit card and has currently a
balance due and owing to Plaintiff, as of September 12, 2007 , in the
amount of $4055.45
12. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable. A true and correct copy of
the Statement of Account is attached hereto, marked as Exhibit "2" and
made a part hereof.
13. Plaintiff avers that the Agreement between the parties provides
the Defendant will pay Plaintiff's attorneys' fees.
14. Plaintiff avers that such attorneys' fees will amount to $500.00
15. Although repeatedly requested to do so by the Plaintiff,
Defendant has willfully failed and/or refused to pay the principal
balance, finance charges, attorneys' fees or any part thereof to
Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count II in its favor and
against Defendant , ANDREW J KREIDERIII , INDIVIDUALLY , in the amount
of $4055.45 with continuing interest thereon at the statutory rate of
6.000% per annum from the date of judgment, plus attorneys' fees of
$500.00 and costs.
James armbrodt,42524
WEL INBERG & REIS CO., L.P.A.
436 S vent Avenue, Suite 2718
Pitt urg , PA 15219
(41 434 7955
FAX 412 338-7130
PI TTY ELTMAN.COM
06 789 C J Pit SJS
Statement for account nwnbw: 6401 66901007 7783 (? ,
Now Balance - Payment Due Dab Past Due Mount MYirnm Paym9M ?ders
4'CSta
94,403.17 06/26'07 9648.00 $1501.47 x
yaur aMek ?ayaplab Chase Card Services.
Amount Erldoeed YaMa
1 S I Ww a7arue r •inah 4on back.
540166301007776300120147004463470000009
E%W CIDER
MEECCHANICIIBUR0 PA 17066.4697
111.1"1.3.6611 ...1.1....11r1.1.1.II.A.1...1611 1
CAROMEMBER SERVICE
PO BOX 16169
WILMINGTON DE /8866.6169
1:50001602131: 209 30 100 7 7 7 6 3 36'
Oprlinp'CbaNg Dab: 06n0607 • o
CUSTOMER SERVICE
Payment Dus Dab: w2w
OMZW07 In U.S. 14866847.1278
Mkamsn Payment Due: $1,2011.47
E1Pa6d 1-?-?-99?
TOD 14600,8666060
Pay by Phone 1.600+1967666
Outalda U.3. ca8 so8ecl
1.30248446200
MASTERCARD ACCOUNT SUMMARY Aooount Hurebsr: 8101 6838 1087 77x9
Pravbue Balance 94,469.47 ToW Craft Lino ACCOUNT 640U1MES
$4•000 P.O. Box 16286
New SeWCe ,163.47 AvWabla Credit s0 WWWnpon, DE 19660.6286
Cash Moses Line 9600
Available for Cash $0 PAYMENT ADDRESS
P,O. Sox 16163
NSmkgton, DE .186666163
VISIT US AT:
You havenl rrede the required paymerxa and your cred6 card account Is 90 days past due. As
e reaA your ends bureau Tray be updawd with a negative rating. Please send your payment
icaadlaWy or od us at 1-9009668090 (coW 1.902.9946200) belay.
FINANCE CHARGES
.
Fiance Chace
Dally PWodc Raft CormW. Av-W Dally Ous To Trammilon Aorallulabed FINANCE
Caftgory 31 days in oyde APR Sdanoe Psdodo Be* Fes Fin Charge CHARGES
00000% 0.0091. $72757 SD.00 30.00 90.00
Purchases 90.00
.
Cash advances .00000% 0.00% 90.00 56.00 911.00 90.00 90.00
Swan awls( .000011% 0.00% $3,73650 30.00 30.00 30:00 30.00
Total Iaarrce charges
30.00
Elbotlve Annual Percentage Rob (AMig CAM
Platy ass Into"Todi r About Your Amoa%asolon for balance oompula6on mailed, grace period, and other 6nporlanl Infornatbn.
The Correepordkp APR Is to rob of Wand you pay when you any a balance on any trenasction cab".
The Elbotlve APR repreesres your bW kwwo charges . bdudrq transaction bes
such as oash advanoe and balance trarabr tees - expressed es a perosnbge.
This Statement Is a Facsimile - Not an original
x ammo) FUMM C a 000 Y 9 a 07,0694 Peep 1 d 1 01721 MAMA 0ra1 166100000a900refS 01
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Page 1 of ,2
3 6,o?A p
EXHIBIT
6/11/2007
Statenlellt for account number: 42M 8410 9841 0297
Now Oak" Payment Due Dale Past Due Anoint Minimum Payment
$4.065.46 00121/07 $720.00 $1,906.46
?M.a.yaa d:0'k to Char Cad Services.
Amount Erobeed S Now tlUrrs itul'I R1+t on Esda.
CHASE O
426664103541029700136545004055450000001
04M OD a 1ats70
ANDREW J KREIOERIII
MEC PA 17066.4997
H URG
I,,,III,1„1lrl,l„1,1111„I,{llrrllll,lrrl II„1,1,,,11, .11.11
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19OWS163
i1,11110.1111,1,rirIU11.h.h111... ,,,IILpl.11-1111
t: 5000 L 60 28t: 203 L0 3 54 L0 29 7 LIP
?: 06102A7 -
CVSTOMER SERVICE
PsY Data.
Due o0/21A17
0
In U.B. 1-BOO
ayment Dus:
CHASE O tkrneman P
-44643
$1,968.45
EepMd 1.680.446.9906
TOO 1-800.086.8080
pay by pll- 14K*436.7060
Outside U.S. Call collect
1.302.694-8200
VISA ACCOUNT SUMMARY Account Nmnba: 4206 0410 3841 0!07
CUT 9WIR1E8
Previous Balance 94,068.48 Total Credit Una $9600
P.O. Bar 16298
Avallable
N
Balance u
O'46
Cr
dit o Willb9lon. DE 19860.6290
ew
'
all Aa
e
C
Une y70
Avail" for Cash Sit PAYMENT ADDRESS
P.O. Box 16169
WNnN00on, DE 19808-6169
VISIT U6 AT:
You hovenl ands to required pay sw and your =0 card account M 90 days PON due. As
a rank, your cradil bureau may be updated with a negate rating. Plws a" your payment
immediately or anti us at 14KC4554M (collect 1.90249949200) today.
FINANCE CHARGES
Finenoe charge
Dally Periodic Rate ComeW. Average Daily Due TO Transaction Accumulated FINANCE
Category 91 days in cycle APR Balance Periodic Rant Fee Fin Charge CHARGES
$4,056.46 50.00 SD.00 50.00
00000% 0.00%
POrohaaea $0.00
.
.
Cash advances .00000% 0.00% $0.00 9100 30.00 50.00 50.00
TOW finance charges SO.00
ENsed- Annual Peroanps Rate (APR): 0.00%
Please ace information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR in the rate of k~ you pay when you carry a balance, on any transaction category.
The EQodlve APR represents your total finance charges - Irsol dkhg transaction bee
such as cash advsrros and balerm transfer two - as pressed as a percernsp.
This Statement Is a Facsimile - Not an original
X, owasol Rasom 0 5 000 Y 0 01 "A "I Fp 1 d' close MAMA 010® Ia10000060000,0001
https://instantimage.bankone.net/Star/jsp/Printbirectly.jsp
Page 1 of 2
6/11/2007
ChUU2PS
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EXHIBIT
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the irllootirtlASity tI Rill dW s?dterpa ?od soy baled 1019 wg rev ? ewes As
Total Wed padedie dra,we sin add any almost past
paAdtoPat
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% that k; mau
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ololds do aryl Yy 365, and is aged
plea a the dtltt d the d,dwd Peia< a Yew aa.opttttaryerywdh dwapas
Variable iklga0twot tarraAPRa?hd ltd Yrrie. with doges ?s the Pdtst
be"
to the Pd w Rya addisuY t earth a alts Prfam Kate p„bleod is no
ndeNNloatRate gha leve~
Fists. We $*"
WONSIrforimpols" sht.ret a To 'hoe Rose IN dIs t ?R T?lu YwM3aaa?=st•N psi
Ratasacdasofi>raiMrML7tsatJarm• ra"aedinkra,YDVOnyoarbr"
the Pdmpol%wevaselaets sake rand
steawmtoriMaalh s add to 11111 Prfsm Rate to adctMa to APR A
A 'rasO is to Pae•U`//.c h7Tday Ties Rdra and
*bpi 111 aaY cwt IN nd • weakrd ter as k to We do me* far
? a vrhfcAtda.A say, are V"d" I'Lo sod wrmpoo? R osTekk ads rata pod ley adr
each dsasn door wwk m, wr •se
. before ti a Doi" Dal shavwt 40 Vm tuft 1 Pikes Ma to pa
di
w1b,=608 M. We *M no rk? acrdaad bow rate to APR. TM ddy?IN obrnts to s ddy pods& rah hop the ? nbndablkg
It our 9so1 do prime RAM b" obsatad• the not rata via spot or of
cycle oft k the O&Ww moettrt is which we wade s
w d Year r7h Mtnaaas. e m p'Y a N6hor periodic
hstlatNat R a s tl' P a ply s Pa h. aunt "W a" be" a MASON oh YeY f Afft rW may „ry If Yom m M Weak under ddc ow"
Dot"" fletea grew'°>a In have vdtb of or any Of our related c mNrd•s or ant of
or say oher
the wdotvMl role vet alma is owed on dos secauat Of anY other
. We do rA rtctWs, for oaf peya• ant der by the data sod dealt
seen" a? or loon wRh us. d last The mwmu a p"m
w,
crook on on dit tecswtt
. Yoo exae•d Yps?•wr pals as flat is not howeed byyour bank
• Yooatdes dleweabYIMLdaaydte• accewdisclond,wedapa"d
• To tom plara d etttdtr ft balance and woo do net recall payprent
vnlthi" CIe ?e!* ? .y k crnse the APR. pnde t ar 190"0d0Od
it sat sirltas events amiltaR tdvsat al •P a a w,tdwsm at the default
AP19 at Mlaltwrss lsDetoibtFees Tabl we toot •00000 the idlwbp I DWs 10
tote t. 0
.ekl10eds W too of claw Poor •aa9unl has been ysalltaa
„datanea,s.rieuWnoa ire tkr Well of to defeoks an Yew scemm: DOW
w;Woraw waomYearOtherTDldi•rwhiPs
of Yew: or ?ee ann?y of g• sad ar, and Wwmdm va shill" Irsw CDnet"e•r
wxk u of car rallied esapsai• t as of
re)e" ?? bop molt hostile The ddsuk rats v t spptakelpa Pdloc as of
the am seYw awman4 Cycle inwhkhd- ddwh eecurs,'snd Tn7
;love 1 as
emu'- I
for whidt Pwiedk "we am" be-
aalaea from dwprtvhar. ldM'inY eYd•
aot boort,kes t rw" ?R s rov,b tacos is t Mtaslt er t we do cwt
u we daddy ad a lac roe to awl drla•R PON riAd Is du win std Fan
tearoom Haar APR al ri!>h? ?• » year APR M Ma av7st of aayblars do"
Teel,w• WdiWWW dd WW" to cww mbcw d" raw p rebtdalo
isdird is itba lad or gonad bob*W aaartwt
?Abrwa??ae Roily flrMeOe MtMtd 1
iimmil NssWoostadMerap?la0t city'!
Tnanetlead he Ddar Tirasae8lab Vlie a eMIMY al boosmom
sapwdaly br each bekan aswe for ood edrras••.
Per wam SK drd? ?? sri Iul
eaY asddat Treat osttpsriso! ?• stew
Works: (swat, Corp" for perclingsla a slats, IS IoNarvs
Yom atdcelaa the pttrlodk /
Fkd. lea ask day d the bag Nos. we tnaN* dt. sihrtwhw7. by ON Mar
palode sycb ass tttaMi* Ike 60 boom
. booel, br cook day of To
oaM M dad= Cphl talrw Milo ?s Hesett?er<
?t?wastM sl *A New Bsktlte•
wwe dv=ud do a saceadr am If we I" dal icdlkas Iles adakrrlapMrn•at wn
ooyaarPrtsMlwl'iy vvearksdYi?d'saWtbrdraes
prcaalitosl
des or 8 s /adtd0 Reaosa ekayt too
we adotdde *6 poled a tbtMee sor/•s Ire ISO
ratatMstamvmbd s for boo ac trtadsu, Meow tr star
we t:rietANe _.?.r...s.ehseka aedwMdr*oM+ic+ity!
dwRoer, pd seat ptR balance Vaaafrr abeaka, t7fh
=d=ea=0 f Dal 17 r romih" rats the scow wq.
p,dN r 111110090 ?tt+cr
bw an m da ysasotand rds
,k Yd de ddy bdomm or sub day IDr each toga-
• We take to bo oriel looms III Ihd dam IsM NOW 0ortrr. sod do*
• we ON a *0 thd below *M aYlh dd a s m Pw w
Nother r iM d+M
dtlblW a ioiw"
dDUe, eMseg? add oever gab adaeea cock follelds the cub or fa>eae! tlansiat ..s t. dbDallied by aNYM. or ? e e
ct ball the hosed ray folmsls. Craft er cook •$??ve'ds that
red tot are cndkd as sl lot day.
. Ws mm s dseee as • irisacr of we
her sm ma dam we add Ua
7, It do blomlem
R moo does an dell as the
dally
crtdd W"as Yrwo d l bsM" 'M 1919
aka eels ier EFEateY!r1( wM moe da?rw IN, t latoms do appin,
r oelee •?s tot ddy
ddy ? Bearer eksrpa uck day TN. gr ?
c d bows Reasts sharp IN on klffnt eyda, we add rr of the dally WcK
TO tkr lead WAdfa far ras# toy doe m? Y Md•a
low Sherpa lac crah eahperY Onabom6i esy tPMR
ponmw lss to ddY? e qs le; dom. ass"sorts Yee A
p
bltfet cYd• R ltwa•s dwrya sealed b Ws Rotes sad Fast e be
W st a aseaddlbdBwlwm nrehdoxkisrae4lttreobe?Yr,w
ed Wt aetoettt to dm bebm ter ptlralta n rwdrda?M? bhp yostat at the
YW kW Noun ehwpr ow yew tceowtt lot term v
pokia ban absrt•• po say Vwsagdort
FsrsaehtmPN% ee**"Io pad
Ise Ur bit, cYdr by adTirt K p.IsMt bf "rchrsts
6, WOW 60t?yrelims iI e
t ? tMwasM/eMir?aarfortors
roolp I sane l"VYee aadiPM baknea for
a?adrsatw{ he e dNriwrMdM mss' woo ? taw rrsrlt? dts nsmt.r
pothole r asrpaybYRld dm ? vd ratted aka p?Rapta eb,rprs itr ltat
lat d Jaya lea dwMkkM ?? 0009 W dr,er „Myonc dw to rouedbtY
bd.aee7aclM e?aMdbMAsPeyeli. s/? ipautmmu
dRtwaoeCMgee:Mfs raarrr
pracel7ried aRasalireasrtMTprMewTlwdMlrkis mYawfPPperaoe•
bdk
uwi?dlPeYwartl ea eC rKrrrdoeddNews pey"m
r?s? oMsd darktl a l lrY aYds R o _ IN du Wid we
. (M.r Rahnar by go date std them clear tlhiaaret bM?Y Iswe by $0
W.Orms
a
d rep Nrw gslwea ss
is 9 - ms
p?as?letra,a wivwdbs,of traa4etckw s•ctafi
of overdraft ? e% Yttuss csodvsacs iN is
Yam Few for Cab Adrtataw We rssy vsmsedonr-
W twwaso eh Wks r rrtdr+rrT.bllwrsahoNk.fsYrwinY
• cash rdvetK
. cash r UKBS
on paw behO and the
to "Alm v you on a dobd Woty arrvhu is mrkr s WYE
servha s lion PeYraad to ? lu°? W, OW cherge r tntaectkm to ter the
cherpa *8 t"Oll
Paymrat
sae YottleeterrpaeweMroes sh sive he Watb
Thaotrsa abdrasin mISO
catroW as el the tnanetion daN tom us dvrioK
for a ash advance world be added yw oherle You Whoss' a bebmsa trarairr lot in
Trsasscdan Prat ISO Bdance Tnsdare WO may tbnr.
the $WWI Noted in the Mfrs end Firs Tdob it 11th of "m uonsat IoNovriorg
• bolencetraNAaAecke
• brtsateurtddrts• lye toieoa*abalance 10thepdand
Theseus ,cum data vi "below trrsalu For azompM, s transaction
tatowy In of the ON
I treadumpuld be added is year balance trotter balance
tars The aaaanta N dose hm we listed in tan polls and
FondTaidr s theBStaYorrinpImpla roforMunnforPuth.crs"W durhgteaboall
Weodod
cycle' ol has an sawell mermba rddP lm, M sl?l bug bNed
A.00 Mmbm * Foes gym eeideotnstated IN tan Use and has TabboL whailrar or
notybwwrh atamrak Ind m dasyNt a dasr?Yorr Keo04'30
fe¦ is nanSrelt MrMa ° a Yan "" mt on vom tan aandal amrebwew In is
drys d 1111 tWr we end hadt bMtoO tNat
eydNatdiy behmN In bill YNar ?ymr d
t heinstal MtM be doom act tftaa fsrr dpi" m class Yam account o IbnN Vow
occodN If your ocaosM is Closed by yet Of W. we
aim
w?ldohat o iaur youparyowoMstraArpbebnn
emit
W Wdmwm pays" by the doll and
In full end totminaa Yourlc rm tea 19110
Lwo Fm OW K I$ N we d• not nedw at bolt yMaaaltlar /Mr t=a0 CYch. Ws may thwpo tea
thao M k dm u In do an Yana and FeFees p Tebla d dw lea iaa is bawd oa s bals"m we
low he eMedo bw v+r? M in tlatac Pra6mms Nth
Sheens the we lam ill 7Mla " rug Doe cwnM month's statement *at
rtd f ?balmcs is tan Haug as dug Nov Nabnce shown on the prior
shovse
poagtr Mumma hrwbtabwr Nd nM ranive at hall the required n&dmrm PsYmeni
by the dew and dot Saw doslens# 1s over year credh In at any that dwbp a bli ft
ovagWIFWIIVWktmt
only lar a do%we say dtarpr a Same" foe Yh may ChNpe this lme
plaetalsa?rthaewdNNaebscum d r Naance charge orlsrwehapoad
am N ywtt we wan ON char I Wool ram lions on owrpCA has [or Nmy
Bova cry dater anwuibmk fw ie sulaageasA biliM eye
Raw transwIteas we mods on year utowb N YNW otcount balance sW IS, over your
or deder lnstrmsent b not . tbi
trails Na NMMsbPass: m? W" cycles towed, ?
pasta popped 90K domwdic payment IN (coursed mopsK or 1C1 we must ntwo
an attamadd - p Is ant Aped or tuaal be processad. we may charge r
a PrfmW am* become
an • ash edvena dock or balance trenshr
mmlwfmdlm
not" u 1 w refew to lay r cash W_Ncs chock or balance utnsiar
chrak Nyow rotpnSSt, tN Imn check
chock w. rant e a d a Wm" smigmrrt, Was draft or Other Yew MPM 0 copy AdOW Was mote veto 1 pars lards or any special services lion
raw d Pant rsstodat or N to relp" bsskl we my sharp Yan for these sorvicrs
aMSbUO aerb aorta mumeW, sales dnla or slimbf
is of rsstl+ChotNMl lan?W1'usaugrber he
lava WN say sb?• ar anl and ebon trail Doer ssArviM tas Ve we pro",
lass bran tilt in few, to andd VAM va OW Its sorvk.
tllCi ow
eaWdar VW a be IS hclndt U sayol don occur'
• Vh do nalncalsa rt boll tMr minimtdm amount dbo by khe doll and time dap os shown
• lot anted year etedil on. rt or spy aorwmrrt wide one of out
• You 1W0 oomph avMh tan terms d tads ogrmma
• We 1reiobt war"" m thst causes us to belm thstyou nay or unwplry or unebk to
PDT yid dam to rug of to ethers om 60
ilS Nr Inakt?tatrd t Is the event of you? death ,
• you
mom d- bttSpa be fa bb d4 we nay dome Yore lecomt "10'011 OWCO
• b ad
Nw vole tar yttot a Woacr inmrrdbtelytWS aka may rlgdn you pay
vW;W end rrtpdra YmM'teaN) o mmi0? rug the wgeid bdttota when we deem
yW e be its t tan k1MnN SYdss Put d".
hw, it yes are In dahuk babatuo you have Wall to pry cis.
6, goo pm&.md T of go" slion s, Iers Cant casts. ant all often expenses 11
rplardoNrorrrl?smderdrts eparmart
c
you my don yW EgUA YM ACf.CKeoasrt at any list N You call us to doss yaw ecctrunt we may
roots that ymoom year npuast INVWW"
dam yore n:cetrN et arhr tknr t suSpand yore Cretan Privpegas rt o UNre la
Vile Stay IN room, by appheabk law. ti we close yew
any reesan w11Mnd lorhr sahee Censegnrecas restABmO Irons Closing yaw
straw" we lop nN m be IW* to PMIIOa or say sctovM t meoyli YW you and any smhadted mtras man inrnediat* stop
11 you t hnda Kee .2 Cards, Chaska ON otMrmnas to occoss your account
rsbop Yw::= eO dnNOyN Yoa will CONdom o Lobs responsible IN thorles to ytwr
or rsiva Mama us tgos regtn Wil
auomat am N they are reads or processed eftervour cccrert Is closed and you
i GhdAiW
M required a Pay the m"Badbp hobs" oo yma sr c"d Kwrdip to the Was; of
Ob ogre..., b addNhat. to the scant WW"d by Im "I allay regtdre You a pry the
lookslo, Wse&l* or of ON tkno elua VOW eeuwat b CW"d
iUINITNJQIOM A ?esrtlilY IT pp4=U 7W ANY t)1liPUTE MAY
aua Tbadmbds+tearoou
or the MISS of the als
in WcKdsm wit' to rule s
pfg,"W to this Atbkradm
a Mall N S plea ch836.1 by
jwpCM dietrmt in which you
a wblab yes read wr agree in
out of lira UPON, arbitration
m ions, and iastroNfans ht
tads u follows
e Arb!"110 s, Floor 10. New York, NY
Asisaim
1pllt 46M, Web silec wwwedcrrp. gOM771•YrFll; err Web Sits:
Noftel AtbWW= Foram, PC- Bmt Sol"' Minoaapolh, hAN ,
tvvr'x wbhndan-UNws attar 0"4 2"1
PrrceWwes tad low ilswe in arMnt? A enl &.a r rS uprr?istoto a c rogr d
gdpa.Tbesrbluatar apharbrekwyr
mm yet or we 09% ww" dug othoes
or
m of em OWNS, dhipm
rosamr' cleima,
doVA"ihNere modsu? eroaa tomClo in Pf"IsOng or Woorwim, Sold a P1111 ncpW teeny such ihebar s"moed in the lowsuh by
vah my
whindom
t NoweIubad Mt a
F..;. 7 «
.dons
or former The Nblin losadl ba eondrmaduefor the sP*lble pre
sig
st6Nrailoll aNab r r are ia?carsbsmd with Ods Arblwogas
and ruin
is flood unbar tbs" prI1404asss Msvsl Those procsdars Wait etas
Agraamaat. is widah tasatlir Ar Mr to yov of ss The arbilaw VA <Pplf
may MA dw wowmt d r wh the FAA cad applcrbb sutulss a
splrResbb o ebiwa d pl~ rse"Rhod at low Van my ehoesa to
i"nihtiorr. by pwasl The arbforew WIN tell ressaabb
have m hoerd" sad b
kderwedrll aad other 90MMWAW idapme*k coswevaor Accosts stops q prswd cedars to 00" dbelsare outdrb sirs arbh SO"k
ht WiNg do as of law"" 6 have du f> to award is r gaver g rsgaaagd q do s ar 4bw f&W provided I Cobb f? led will rat
com arty dlaps0es x stew tndbt «is Oa ba a of testy rum vow Is
boys do Paovsr to award refitI
for rr?uurg<sdas smb M the immroww a In
to N?NWd > ?Pa'
ilm aware a low The arbitrator wi mda s?' award o *on* mom voles, po Pam
a 'btrtsow sot Owds st
gaaot by Yan or 0, M srbhrstotd pmsida s a NsM 91 04
Upon o ra Ira spa tla
»aasps beta mvvsrd. tarthe "dtd atbhralba tNh' insld 61'
cosls.wr wNl »i i10s AdlldelaAw N tkotr s s h9aft
room d Mod of P4-6,.t
ONK ON te e VA d y e o t?ooa of arbkrvi er and Wan" wo low f
days sd drat "aortog d may mob hoot"' loss osby p ur sooM at its
ado traist iod ad by Of
beplago4deorvistal
dvance
d std ?" low Itaeeva
, we VA as IT admidwsw the rrbitrolloo la re red MMr lour V do arMealloo nr srbNtaM
n"sbaras t on hs» b flood mom for »+tbbA w a do as of Yea ask es snit our
draawdnma am for doloo a Eeab Party oil bear the ssponse d The
dotOrw"a 11110FIN is / rm whnsssos, documents sad abet
gems std costs of pwhr's aqs, W Arlon,", and Weir sppasl In
=per r Was pVAM at Bnoet Polak slog '" mp?"sto irw is
dlardy doaid seems our It rl ices end costs Iron umber
dar
portf- mtndahl0wfo r
soft a Follum say K vibe eaY? g0'vriN?t ee Nwreflon
EnforcunK
AVV wllbaMvAh any
WP"d te rapln rtbiasdlm sl • Mar dote or Is eamacdotl
dsnd
$ Wow Asy del iwAorw e IN aisdl qao ssb"r mo sitar
bk"lodwpudeo, db • aSadts4ew
vAtMn XI days d b qos d arbNrM he 0 by the so" arbkr "
bef ors a 00 51 wio»eaaddsr <ftbm9W sodiyd s man follow f
wgatkm b& Tiro paaii end mks dodsim
now rubt dial umtr a p pras"ft r? o w
bear m own toss, ousts and
based as tier vols? of MR isiedM $ra?? pew sit s
ozpetaastmt at het <ryrarN tear. of dra purl of a*vvars. rpph* a?
from aaWNor, petty, 8 lie viii be adae"bb oo provided by Ws
IM is dsgnrfiow An M erbltadeil
FAA or sIbUs 006" law by whet Wo basial?d sanfw. W or
Ssvarabaty a>aslyd-TMs Mbllrsdoa ise Accost sad the rsadassMlp batwsrn
go;
yhoawsqia as sosrs???yy do AscaVOL sod ss der lass"! d s Well aewrsr mmrbsr
d "tea In till Acettort to s°°tMr Meant Mthe
or d vividerriali ?sgAs? dwhostodbyysll w
oo-wo WtN you ?ut? patba Of thk
spit Arbltr-- twtAffe arcs" k rNswad ime Nd rr wabb" , d+? r sirrrrg Portbas
rowelobtuss
CHAM Aim N u d wlmthu u Wvw sr Gat
arrydwvt.»
cu xvv olds S*ft ddedni ssy?shy M°shbr d1M to edit
to
to year w OWCttrol. w fares, red as der APRs sad leas.
ddals, OF me* ptotdrlsra as "fins aid srdaresmont of der do" and
and sitar torws sate as tbo patters, ratarlt,
fall ysoarr»weyhew»bdagfaddsegraresntModNinibrs,additions.
w eoMd'alsaps' or •'Chrage' bb low Tir=e
e»
wewN aotNYCv of 07 cis"s N soCId by il In ea s CAengs: may act
be Whom soon lad" sods, at am Was atria/ In oar s In to the unpaid vdance with wil M -abb hour IMas we slow rtMswlve, oche Cho""
6 aoo rte Yaw 9900lmt ad 10 now )rwaaateoo
r? ball wkh respect a any thongs, end
The man wll doo0rbe amy ? Ysr notice
sMVesa taw nights For mss?e the
mq? ddatw aotlN rr is M s sprclR dbeWiM?'rtjt to , waft do not
a Cftapg "a am raw sd I?b as shady do" as dUis
retell bmb ilmv aabr the ppk.M. Wan;
sbNad is prfvv.
sed N dm nit aoAly rw b bYAls tats stated is d+e aoAcr. a N you
will be A#N
,. as bat sal doo t allot the ad jose F sat eb iea• you
of
1L.04;0 Is blow of sMsmwasd aptd ? 10-0iioo In polar BMW we hrv?snd sonr tonfirion rewrdb m n s b
Whodrat yes be" m mm 0 Volt aocaunt
CIMT*MWAM
We 1 pealsiaspy FlAawyoar trod" history by obtaining odormetioo Isom credit
buroaoosad G*m
idwmWooiboaiypvmady?occoordtocrsdkbuasvs.inciuding
-,,
TOW - pry rr on tem. .,gyp r&%" addidmal "ads ap yaw amount for
others, we may rePOTi acesent rmadon in yea nine es wog ss b the Dome$ d
sho=e steer paopls
tygaaofG
if Yes **a rw hews raporlsd inaeewsls hdama*M W a Bra&' - I Your MY
write P q?do prdmambsr sar*o add?oN ?r s om
you away. add' ocmw s a of dr Wads barsw a Will
d sba palder0 N awsbidg. plasm provide iq
bvtodgr r der 04AW arrd 11 M 00011i9-1.
A ded Dad pant bwow low" ? ark d
aoiv<wrrtgaar dWar»WttMreportOwadh I a Iha
+ hrvasdANalid YWdka oMayouder Wan"" b wan" ar b!r thu Ive law 4bow ssmi ymr no
our
N? pp p?{t{awn?w?r..w......?.. alit aad"s
wotst/erMarh, teagd I go sodeaW 09
b are filoo. brG>f tide k a Kemurb tell tiatra w aN of
to aay)dwt OOWSSµlaldactbdea a s an the Wcannl
you Bent Is V-awlN rwasb ONPisd w ira"as talapbarn somber
it In Rea poor. address, W ho w^ alebr efor N' k Walked
srAktrb eaNasL
*dto ncdwbmq ddO y0V WAN W* 161V is srr>rng M der addnaa slrm<w w year'
T bdhrg
da,oawrd IMF whet dor4 ? "No W"NL
SOD. we my lot eooanm movies OF coopcorr, st aerrt?yy edd»ss sr lsbphorlo nrrrrdrr Is wap as
majudelorlollaill twaAer o provide ea
ggygpyONNg AtlD py;COpiN6
W?,owiRapplaelb,oorapraa.olsygsisllgaedrKmrd fdapbmmasrfiswiih
os Mta agnolMRS». d sppiorWo ax psMR uwY sa d u vro
b*0 11111 Call
INFONAA 11? _
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?pnurnoA prodkes end do doolm s ewyas be" and dlnsdow INS OW Illoo as e6out
our Sko 4 deaf You Dow yew memwd "a s or
prsidds std aWidm d osr tsmlY a ea"ps^?
f?? Opaaoolyy as shwa iduwaden slow less rrkh?
go other 6=4 stba trnl bNa twdar wadtst aacep4l bltb law bnrelt
rstdrrsYrghdnNadorgM? s?wttmeaerebedvaoosMaMtdaaerNled
pusaal
b afar t f rradaows Aws16a yourbe did u hws a d rs a stars
<irldsdll hda.rMhm nrlwad q w<ra>l
I of allow
of sarviesr 1!sll MY hew with "W el Dot eaapesbs) wide earpeala
lt of -looped" .1 iw* Ta 1T
esterrblAse ad safe" any of aer tights trrtdardrb egnslasntw"host
!No ? del q wdsrco dam in tier burs. N wry of the tsraw of olds Wownt
w? aorr istcssbia, III other arm wll nmab in VA bets
tigbte Woad
, .0m" To we rte, or my Ot sir
Wa eselpp 1M., .000
calf
rmeMq r de"d1Y Tba Paella q srbswvaa web Ur
• *6 be slow to soy of ow fiat vw s<dpe to tort person
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9 we don't hslow
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?la
oldest w * *$ qa d I>??
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the property or wets
you may hew the r1pIM aata Pay ttu rrrmefw<aA Tiuo IN two pdteti.as oa chit right
Thts d%o dom not spspade the to check N In year how atoe K, N mot witita Imitates state, Yoe " whmhirrft Igo raw of your crarsl
p wofyoruraw af t small eddnua;and
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Those limitations do ad gpPiya we oral w operate the m0rchwd. or N wa mrled you the
0dverdsaromat for the propmry or "WAC s -
CopyriOM son JPMDWn Chess 6 Ce AN Aphis reserved
P1390 L or
?
.-MAIN
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that she is Angela S.
Szlezak, Manager of Chase Bank, USA, N.A.., plaintiff herein, that she is
duly authorized to make this verification, and that the facts set forth in the
foregoing Complaint are true and correct to the best of her knowledge,
information and belief.
(Signature)
?1 c o Qct
?
ul b sr - N u
Lid
t.?
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-05575 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
KREIDER ANDREW J III AKA ANDRE
WILLIAM CLINE , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
KREIDER ANDREW J III AKA ANDREW J KREIDER the
DEFENDANT , at 1151:00 HOURS, on the 25th day of September, 2007
at 3 PHEASANT CT
MECHANICSBURG, PA 17055 by handing to
ANDREW J KREIDER
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
18.00 So Answers:
Service ?
Affidavit / 11.52
00
Surcharge 100f 07
/ 10.00
.00
39.52 R. Thomas Kline
09/26/2007
WELTMAN WEINBERG REIS
Sworn and Subscibed to By:
before me this day Deputy Sheriff
of A.D.
Oct'16 Z9k17 13:01:30 14109796635 -> 717 761 0094 Mark Caucbon Page 092
CHASE BANK, USA, N.A.
Plaintiff
V.
ANDREW J KREIDER III
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
5575
No. 07-4+fR Civil Term
CIVIL ACTION - LAW
DEFENDANT'S ANSWER TO THE COMPLAINT
Defendant, Andrew J. Kreider III, Pro Se, hereby responds to Plaintiff's Complaint as
follows:
After reasonable investigation, Defendant is without sufficient information to form an
opinion as to the truth or falsity of the corresponding averment of Plaintiff's Complaint
and it is therefore deemed denied-
2. Admitted.
Admitted.
Count I
4. It is admitted that Defendant made use of the alleged credit card. The alleged balance
is a conclusion of law in that it necessarily relies on the interpretation of a written
contract, executed by Defendant, which speaks for itself and has not been attached to
the Complaint in violation of the PRCP.
The corresponding averment of Plaintiff s Complaint constitutes a conclusion of law to
which no responsive pleading is required and they are therefore denied.
6. The corresponding averment of Plaintiffs Complaint constitutes a conclusion of law to
which no responsive pleading is required and they are therefore denied.
7. After reasonable investigation, Defendant is without sufficient information to form an
opinion as to the truth or falsity of the corresponding averment of Plaintiff's Complaint
and it is therefore deemed denied.
It is admitted that Plaintiff has repeatedly request Defendant to make payments on the
alleged account. It is further admitted that Defendant has been unable to make some
payments. It is specifically denied that Defendant has ever willfully failed or refused to
make any payments.
Count II
Oct°16 2007 13:02:13 14109706635 -> 717 761 0094 Mark Cauchon Page 063
9. The corresponding paragraph contains no allegation of fact to which an admission or
denial is required.
10. Admitted.
11. It is admitted that Defendant made use of the alleged credit card. The alleged balance
is a conclusion of law in that it necessarily relies on the interpretation of a written
contract, executed by Defendant, which speaks for itself and has not been attached to
the Complaint in violation of the PRCP.
12. The corresponding averment of Plaintiff's Complaint constitutes a conclusion of law to
which no responsive pleading is required and they are therefore denied-
13. The corresponding averment of Plaintiff's Complaint constitutes a conclusion of law to
which no responsive pleading is required and they are therefore denied.
14. After reasonable investigation, Defendant is without sufficient information to form an
opinion as to the truth or falsity of the corresponding averment of Plaintiff's Complaint
and it is therefore deemed denied.
15. It is admitted that Plaintiff has repeatedly request Defendant to make payments on the
alleged account. It is further admitted that Defendant has been unable to make some
payments. It is specifically denied that Defendant has ever willfully failed or refused to
make any payments.
Wherefore, Defendant demands a testimonial accounting of the amounts claimed to be owed
and a judicial determination of what if anything is owed to Plaintiff.
Respectfully submitted,
t
ell
Andrew J_ Kreide I , o Se
Oct'16 2607 13:OZ:49 14109706635 -> 717 761 0094 Mark Cauchon Page 004
VERIFICATION
I, verify that the statements made herein are true and correct to the best of my knowledge,
information and belief. I understand that these statements are made subject to the penalties of 18
Pa. C.S. Section 4904, relating to unsworn falsification to authorities_
Andrew J. Kreider
Oct'% 2887 13:83:07 14169786635 -> 717 761 6094 Mark Caucbon Page 005
CERTIFICATE OF SERVICE
I hereby certify that on this day of v , 20? copy of
DEFENDANT'S ANSWER TO THE COMPLAINT was mailed, first-class, postage pre-paid to:
James C_ Warmbrodt
Weltman, Weinberg & Ries Co_, L.P.A.
2718 Koppers Bldg, 436 Seventh Avenue,
Pittsburgh, PA 15219
Andrew J. Kreide II
P
?Y
? n
71
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)
a a?x_ 3?v?? 01!S-?N
( Plaintiff )
VS.
Rn&ww J af? d..cf `-qr
kn no&tcuj .i ?b&jd-
(Defendant)
No. Civil ]?Zo -V
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's
demurrer to complaint, etc.):
2. Identify counsel wbo will a4gL"-e
Weltman, Weinberg & Reis Co.
(a) for plaintiff: [K)Mlat-rt l 1 rn io CZcw 1400IGp n Bldg.
Address: 436 7th Ave.
Pittsburgh, PA 15219
(b) for defendant: ° Ke l md4o &S (412) 434-7955
Address : 0 &Y -7Z 9 JJ
(6Wv vbic, t4 2 lu4S-
3. I will notify all parties in writing within two days that this case has
been listed for argument.
4. Argument Court Date:
- - ud!j??
q?. ? CJ
r co C
r"J
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA NA,
Plaintiff,
VS.
Case No.: 07-5575 CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
ANDREW J KREIDER III
AKA ANDREW J KREIDER,
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO.,
L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR No. 6078945
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA NA,
Plaintiff,
VS.
Case No.: 07-5575 CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
ANDREW J KREIDER III
AKA ANDREW J KREIDER,
Defendant.
MOTION FOR SUMMARY JUDGMENT
AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co.,
L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof,
Plaintiff avers as follows:
1. Plaintiff filed a Two Count Complaint against Defendant seeking judgment in the amount
of $4463.47 for Count I and $4055.45 for Count II with interest at the interest rate of 6.0% per annum
from date of judgment plus attorneys' fees, and costs. A true and correct copy of the Two Count
Complaint is attached hereto as Exhibit "A" and made a part hereof.
2. Attached to the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of the amount sought. See Exhibit "A".
3. On or around January 21, 2008, Plaintiff served upon Defendant a set of requests for
admissions and requests for production of documents. A true and correct copy of the same is attached
hereto as Exhibit "B" and made a part hereof.
4. No response to the discovery demands has been received from the Defendant.
5. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil
Procedure 4014(b). Thus Defendant has admitted that he has made no payment on either credit card since
January of 2007; that he applied for the credit cards; that the statements attached to Plaintiffs Discovery
W WR No. 6078945
Request correctly identify the payments, charges, and balances on the accounts; that she has not submitted
any written disputes as to billing inaccuracies.
6. By way of his Answer, the documents attached to this Motion, and the Requests for
Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to
this matter and verified the amount owed.
7. There are no meritorious defenses against this action and Plaintiff is entitled to
summary judgment as a matter of Law against defendant.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary
judgment in favor of Plaintiff and against Defendant for $4463.47 for Count I and $4055.45 for
Count II with interest at the legal interest rate of 6.0% per annum from date of judgment plus
attorneys' fees, and costs.
Respectfully Submitted:
By:
William . Molczan, quire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR No. 6078945
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA NA,
Plaintiff,
VS.
ANDREW J KREIDER III
AKA ANDREW J KREIDER,
Defendant.
Case No.: 07-5575 CIVIL TERM
ORDER OF COURT
AND NOW, to-wit, this day of , 2008, upon Plaintiff's Motion for
Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is
GRANTED and Judgment is entered in favor of Plaintiff for $8518.92 with interest at the rate of 6.0% per
annum from date of judgment plus attorneys' fees, plus costs.
BY THE COURT
J.
WWR No. 6078945
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiffs Motion for Summary Judgment and Brief in
Support has been served by U.S. Mail, Postage Pre-Paid, on Aay of _Po1 2008 upon the
following:
Kenneth Studley Esq.
Ruther & Associates, Llc
Po Box 729
Columbia Pa 21045
By.
William T. Mo an, Esquire
PA I.D. #4743
WELTMAN, WEINBERG & REIS CO.,
L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR No. 6078945
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904
relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this
Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the
Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within
the time allowed for filing of this Motion, and that the facts set forth in the foregoing Motion are true and
correct to the best of his knowledge, information and belief.
Attorney for Plainti
W WR No. 6078945
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
Vs.
ANDREW J KREIDERIII
AKA ANDREW J KREIDER
Defendant
No:
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06078945 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS. Civil Action No
ANDREW J KREIDERIII
AKA ANDREW J KREIDER
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
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 REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 .
2. Defendant , is adult individual(s) residing at the address listed
below:
ANDREW J KREIDERIII
3 PHEASANT CT
MECHANICSBURG, PA 17055
Count I - 5401683010077763
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5401683010077763 .
4. Defendant made use of said credit card and has currently a balance
due and owing to Plaintiff, as of September 12, 2007 , in the amount
of $4463.47 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable. A true and correct copy of
the Statement of Account is attached hereto, marked as Exhibit 11111 and
made a part hereof.
6. Plaintiff avers that the Agreement between the parties provides
that Defendant will pay Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $500.00 .
8. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, finance
charges, attorneys' fees, or any part thereof to Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count I against Defendant ,
ANDREW J KREIDERIII , INDIVIDUALLY the amount of $4463.47 with
continuing interest thereon at the statutory rate of 6.0001 per annum
from the date of judgment, plus attorneys' fees of $500.00 and costs.
COUNT II - 4266841035410297
9. Plaintiff incorporates by reference each of the preceding
paragraphs of the Complaint as if the same were set forth more fully
at length herein.
10. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266841035410297 .
11. Defendant made use of said credit card and has currently a
balance due and owing to Plaintiff, as of September 12, 2007 , in the
amount of $4055.45 .
12. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable. A true and correct copy of
the Statement of Account is attached hereto, marked as Exhibit "2" and
made a part hereof.
13. Plaintiff avers that the Agreement between the parties provides
the Defendant will pay Plaintiff's attorneys' fees.
14. Plaintiff avers that such attorneys' fees will amount to $500.00
15. Although repeatedly requested to do so by the Plaintiff,
Defendant has willfully failed and/or refused to pay the principal
balance, finance charges, attorneys' fees or any part thereof to
Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count II in its favor and
against Defendant , ANDREW J KREIDERIII , INDIVIDUALLY , in the amount
of $4055.45 with continuing interest thereon at the statutory rate of
6.000% per annum from the date of judgment, plus attorneys' fees of
$500.00 and costs.
rmbrodt,42524
WEINBERG & REIS CO., L.P.A.
43Avenue, Suite 2718
Ja7SVent )4347955
PiPA 15219
(4FA8-7130
PI TMAN.COM
06 J Pit SJS
Page 1 of 2
Statement for.tlooount numb..: 5401 66901007'7763
Nsw Balance Payment Due Date Peat Due Amount Minerwn Payment derv
54,169.47 o629/0% $648.00 51.201.47 Digest.
====;b le to Chase care 9-cas.
Amount Enclosed S Pmt on beck.
540168301007776300120147004463470000009
oraw Em a tow c
ANDREW J KRODER
3 PMEASANi CT
MECMANICSBURG PA 17055.4337 CARDMEMBEi SERVICE
PD BOX 15159
WILMINGTONDE 19665.5159
1:50001r.0281: 209 30 100 7 7 7 6 3 39'
OpaNrlyCb Dab: OSIOS07. W0kW CUSTOMER SERVICE
Paymere Dus e Dab:
M
4
P
D p"AW ?7 In U.S. 14666647-1278
s
nupr
ayment
uo:
i9est. 57.201.47 Ewa5a 1.666446.3306
TOO 114DD, 56.6060
Pay W Phan 1-800436.7956
O9Wde U.S. a6 coled
MASTERCARD ACCOUNT SUMMARY Account Nmabr: soot an iouTm 1.302.594.8200
Prwlous Balance $4,463.47 ToW Craw Lice ggg ACCOUNT INQUIRIES
54, P.O. am
ox 16286
Balance 54,463.47 Wilo
DE 196606286
Access Lim
Cash Se00 •
Available br Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wtlminglon. DE 19666.5159
V161T US AT:
are v
.reciftards
You havaa't made the requbed payments and your cm& card aewuM is 90 days post due. As
a rtu9, your cnKM buroau may be updabd with a nspaWe ramp. Plasm seral your payment
imnadisWy or cab w al 14600956-61330 (ccled 1.302.594412W) today.
FINANCE CHARGES
Finance Charge
Daly Panlodk Fate Comp. Avaroge Day Dar To Troneaclbn A=wnulels l FINANCE
Calapory 31 days In cycle APR Baarroe Periodb Rale Fee Fin Charge CHARGES
Puraasss DDDDD 6 0.00% 572727 S0.D0 50.00 SD.00 SO.00
Cash sdvanoss .00000% 0.00% SD.00 50.00 50.00 50.00 SD.w
Balance transfer OD000% O.DD% 53,73620 SD.0D 50.00 SD.00 SO.DD
Total finance charges
SD.DD
EHOW" Annual Percentage Rate (APR): L011%
Please eas blornralfon About Your Account MOlbn for balance corrqubtion method. grew Period, and other h"nant Inlomatbn
The Correspardng APR is In robe of War" you pry when you carry a balance on any transaction category.
The Elkcsve APR rprseares your bW fiance charges - irx kxbrtp tnreachm bee
such as cash advance and balance tlan efor far - expressed as a percentage.
This Statement Is a Facsimile - Not an original
X actoot F1933M c3 000 v e d spa, Pp 1011 nTtt WM0. oval, 1{610ppp0appOdJgW1
https://instantimage.bankone.net/Star/jsp/Printt)irectly.jsp
y! G Al fl
i''t •.
EXHIBIT
6/11/2007
Statement for account number: 4268 8410 3541 0257
New Balance Payment Due Date Past Due Amount Minimum Payment
S4,065.46 rr??0612VOT $720.00 $1,365.06 poy Amount Enclceed (S ? your ahwk or rmsl? ?PIN on Chase
O?? Services.
426684103541029700136545004055450000001
CHASE O
04020 sex a IBM D 11
1
1
ILIA
IIAIJ
ANDREW J KREIDERIII .
1
...
...
3 PHEASANT CT
MECHAFSC96URG PA 170664337 CARDMEMBER SERVICE
PO BOX 16153
I,r.ll l,.,l ll,,,,l,L J,L.LJ„II,,, II, I,.JII,...rILnll,ll WILMINGTON DE 19538.5153
1:5000 i60 281: 20310354 LO297 i5'
OP
'
' t15A807. OBI01/07 CUSTOMER SERVICE
D
am:
Due
CHASE O ''
.45 in
35
5
5
I -888-446-330S
TDD 1-SMOSS 80M
Pay by phone 14OD4J679.56
Outside U.S. as count
VISA ACCOUNT SUMMARY AmmuntNumber: 4M1141035410297 1.302-654.8200
Previous Balance 50,056.06 Tout Crade Lie
n
53,500 ACCOUNT INQUIRIES
Box IWK
Available Cradl
New Belance 50.056 45
. S) Wiln
DE DE
INWpbn 198606258
Cash Amaze Une ,
6700
Available for Cash SO PAYMENT ADDRESS
P.O. Box 15153
Wilmir glen, DE 198865163
V181T US AT:
. he You havanl made the required payments and your orede card accou d Is 90 days past due. As
a reautt yourerede bureau rmy be updated with a nogaeve narrg. Phases sand your payment
tmnrredlately or al us al 14XXi- 65030 (ooesot 1.3024M4.8200) today.
FINANCE CHARGES
Ananoe Charge
Daly Periodic Rata Conesp. A-aga Day Cue To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES
Purdteees ODDDDY. 0.OD% $0,055.46 50.00 S100 5100 SD.OD
Cash advances .0DD00% 0.00% $100 50.00 SD.00 50.00 60.00
Toni finance charges
SD.DO
E6ac6ve Annual Percentage Rate (APR): 0.00%
Pisses see Inormaeon Aboul Your Account action for bairn, mmpulabon meelod, grace period, and ogler important Inormaeon.
The CormspaWinp APR N On rant of interest you pay when you carry a balanoe on any varwetion ategory.
The Etleotlw APR roprosaNs you k" ennsnce charges - ockxbV trammotlan Ises
Ir as ash advance and balance lnanster bee - expressed as a pancaMege.
This Statement is a Facsimile - Not an original
X aoo 1 R3.2s e D 6 cca V e a, 01A 1 P.p 1 M , OeaM MA MA c.00 1521000m50DO0402en
https://instantimage.bankone.net/Star/jsp/PrintDirectly.jsp
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6/11/2007
CA6Ai2b75
hard ember Agreement est3aQswakremakrsbsfowysoraaddiw ByaursecountbaMaesisover?rtrod$
One for new reesas, pre may charge Van an WWI" tt (as as desm'bed )a this sprsssn?at
yo•audar dk o,anidawsad kwe youchargauralesthp atgslsiatmsryrwWw=r& rdntca lryediICar wkvaa •Yntoamyou vstis
ACCEPTANCE gF17ftS AiAEt7KF.NT Ws nes aveyetaoa+bstars ova ttaotr squbur
pay fiat,
Thkr agrsatew govwm tour usda card account WA a rdaanced an the card carne lids vlm mrrd applies to any balance over year crodb ins
contairingdomiI*ftaeemmtlwYussafyotrraccotntkcowndbyibbsplsemara. Atwrdsue6on..wtnybrcrous,reduce,wcarretlyoorrrsdi &*.orthecashsdvanca
Plain road rho aadts grasndot and keep k for ydw records You adhorae or 10 ply famdar 04 Yom ersdf 800, at say dsu tto¦rsaer; I you; have asked us not to do sk we
urlr rot6rcrrrase year crsdkiae R chaags m yew cradt ion t+vi1 ad oflaN yoor obipatour
four and charge year accauat for as iransacbss nods an yaw account. Yor probe to
Puy as for astroruacdaasoutdo anporaccount. awall astarlowOr Bunn durger toparou
If Ihif is a jobs account,11th d yea, together and i Wdw tt is responn'bla fapaying inisrast Md T;tasacdoas bduraatknaf usna dk= lach des arty frenseetba that yen
a1 emsuntr owed, no I fbs sveourit Is used by soly two d yoc make In a etraignrarram:Y"that you Mau a t wo ref 90 UniW Sides of Aa erirs area
Pluses sign tier back d iow credit card when you receive it You aril by lwtnil by this I it k nab it US dalors l You auto a haosecdon in a ImIgn errmah: You
o graemantlya or anyone authorised by you we your account fur nay p TW4 seam I hKoruadoaul ON lidastercard fdsrtsticasb, her„ WE convert the me socdon jute U S
you dual sign you rand- Whathsr you use youraeeom at sot, you w? h Yovd by ibis dslsa tyasby tits taspactive cmrsneyraprutsitn proeadwss Tits actFurgfa rata each
e grsemant salfe?s you two? your Recoubtwilkht 30 days after ncshrlng your Card end amity acs to Ming crrroory IF a rata that it asfrcta uiibrr train die range of rates
you heva not used your rccoued tot any pwPats rvubbb In"wboiosda cwnncy cubic far the applicable processing dote Iwhtcb
Throughout tide sgreeasetd, data words *wi 'ui and'W away Chose Book USA, NA, nu easy MY IInot the cab the nspw*1 sstky bat recsinsl or on
the Issuer of yaw ovule Lord and account 7ha words *fob' 'tour' and jrours' moss s1 gtrv rrsnortt?rassdatsd rate is off eel oa der tppieahis processing dots Therub in of act
parsons raspondbb far nagdyfng with ddr egresnhsnt,imteaiag the pursue aeee applied as the 11Pplfealde prscestfigdate WYAbtkata the nu on the data you usadystetud
for oho account and the person to whole wit address bung statements, as wet as any of MOM WE reserve 1111 4bt to design you sat adrlboasl horse poresnt (3q at the
parsmwhoarmtobabble ontheaccount Theward'tarrmoansoneOramcards US dai"xiet at ofanyintsnudom!tnrscsdorr,whstlarthatbavswrtf uWe,aWavy
ar tutor aeesos device; such as aecouot numbers, that we here issued to permit you mods is"dolars or was nods In sa thor eurreney sad eoa cried In U.S. Mom by
to obtsin crodk under this agrsnwg Visa of Yhatarbbrd In sdthor ass, the 3% Will be Calculated as des U. S dour assent
USING Y" Acton pravMW %a as bythat araity 7ho sans process aulf cherps any applyB anytmarnatiaual
Your account Is a tsmww account and should be used suit, for parsanal, badly or vmncom Is f"w$ad•
houcahaidpaspoaaa UnswaaoneoritbnqukWbylmwovaltutbarespoasfb(e le te ' °°? butsnnottattlntedu,dacgnsatnancgon
for marcbandsa or zanies purchased or Wood through on of your act You onyorsceoontfor my of the fidn"iap nasonC
prm*v to ass your acceded arty for valid and lavAW transactions For astaanple. idemof • because of opradwtd ebusiders"".
gat mbinp soy lha II?gd is soshs pdaCaS It Isom bur responsibility to makes us that Vas ' bduasa your account is in dsfauk,
use your aecobd a* for porafissiblo fransaaions. and you wil rasasin resprmpbt9 for • I we suspect kaudelsot in voin4bd acd6ky or,
eying !or a interactive area I it Is tied parwsdbio • in =0 Anssrion fa bey char ration,
Types or7ra om d m= We are scot »uponsilh for my hues y a transaction an your secotmt is dac%yd for
• Pumbares Yea my an yaw Card tv pay ter VMW tr tsnrtrwr any mam skier by us or a fbbd party. area I ym ban surachint credit evadable.
CheekicWs buy pre?Ids You cash sdnros checks w balance i n sfor chats as a Fat pod kin trousclinne, we may squire that rev ngisiw your Rctmrt wish sou
wry to we year eccoat. Mb Was War to than In fbkr agraauasad a a check or tbacks ?uth"Ibsdlsn system Ural iw sated ft NO xvdfy You I we word you to ro&lw I VON
Younrorweacbecktspsyforgoodsorwansrs,tonanclorb4lancestoyouraceosed, dotsd.MDWIKwemydied"yawVagoatransacions
or for other hues rat dgo¦t' But you may, not uss those checks to usocier bsbaces to kadwf is ray CbrchicEach checkyor kirks, it you! nstosst nor fonds Whan we resin
this accord Gnu afba sctounis wldu us of say Of our rotted co" a u Daly the s check last petmsut Car MY tsvbw Yaer Iceboat to ddcida whether to purbO era that
pwm whew new'sp?ded oat tits Chord nay sign do cluck Cash adraw; cheeks chock "Ne su% but wit out mq*W to reject acrd ratan unpaid a Char
e for any re¦aon
are treated as cash saivaacos and balance transfer duds an datad as balanra 4-111 l isl0wig s::rpglex
transbrs sscapt as aotad is this agraenvd or oty oHerws reakir to you 1%ma?ayy trept • We err acs bf aw related enrgtardas is the pryer on the check.
ChetdrstisdttaacelcomwdeucactudaesbalsttcslrandadneksNoelsvdaachecks •bareroskiaarrssbadwncelarioaefyourasdklnahasbeen osraadaiwrrood
dint we cat connalase checks and dot wt Inditstad to you are wubjod to du terms be sxraadodr7 an0 psid tho duct
forcasb adnaeer,autbip nomad at cash advances and assessed Cash advance rates • The clnsrlkispo 1Rd Rip pcstdatedchock is P&M. rasuftotg in another t6A being
and bet: nstn will ON notpRid, we an not respwaAde.
• amerce 7readom You may transfer belenns from Other occomb or foan with other ' yea hwo used the crook afar dw date spodfisd os k
rndi cariisxussa a Wierbmders to this account, or otter babocc irnsisnwr sgow • ifs era In dalark o would be If we pout the chair!`
Bea you a ny sot transfer balances to dais ocsosmt Goa Aor accounts trek us or any tad or Stolog W66 Cbstde or Recount Ns,abxm if any card, check, account awdnr
of our routed corWiness. i it pordat of a requested bohncr hanslawil naiad your or odor NOWS IN access your stww t IN lost or sWa% or you think some= used or
swBabie ersdt Bee, we may process a panful balance transfer op to your "auto 11141 ON brow Yaut Plnligsim YON ROM badly us at o9 a by ca6ey the
credit No. ml?pf your card or bigi slste"ot Do no,
• CubAdrsneaa; Tod may oss your sard b Vol rack hen sbtemcelb alai ptaddma or uss your secartd sftst you •ob7y es. even I Fatrc card, cheek, assOUet r?umbet or odlrr
from i'mamehd b r&rJoee sttspft the carol: or to obtain travolsrs cbaeki, tomign fflum to arsalx your ectcvnt Is found er rthrruwi We may tattabiate or s WwW your
corr vaty, money ortNrs, bdrs trsnsfore orsiaailat nA-Ma shsrgar,, or m obtain Mary credit prWagas white roar notify in of seF mos. the k or onesthah:ad un related to your
Oc ate. csAw gaining thfirs, nca track vagots or for sbu or betting tra ncdons You actota
mgYalsQ pea a thkdpnysavico in maf a x psyswat m yaw k&49 and bill *a pxym-9 Your mar I*;." d dmo is i nea+s m3ei ass aI ,3 ' /L: ? Mt f• bus x*kb y? rat: er
re tide Recant. no banoft bayou wig am be DOW for news that SSQ.Ig OF such trantatlaaa, and yeu
• Dvwdmb Minaret I yon bed on ellible chocking account vft one of err related wil aft be lisNa for any such tnossetbat reads after you notgy us of de loss, theft or
banks. you areryids tkk accortd to your sberkibg et ownt web our related bank to Wo thusinduss.No vora; you-slidaallylor as stn anoodw red charges Ganwhkh
coviw as ovndrsk as teat ducking account under the terms of olds ognameat and you raceirrd so bondtt
your checking account swum" We my mgol11 yariR provide us Wwmldmkr writing to h* us find out what bappased.
Bfygngt.NN:tnordartouauagsyawsaomlwe atktuinto poriodscWW"kiting We my eho require you to tonpfy with artRin procsduras in conn?coaa with our
cycles. Each filling Cycle Isupprasimatsiyansmoth iniougth Foreach Calendar aoads, bmkdm
your ac COW WE yore a Ming cycle that Bads In Uwe mouth Yes atesio tu* bun a PATIVIEM
Wiling snaft it such tabadar swath whethor or Not them Is it being stubwant PopoN Jussvtruns: Yaw N&I stalaxont end aCeompasatwp amabp? intludo
forthat bkpg eyeis. suafcom yw iml folow fur racking payments acrd sots torah the deb and toga by
Aulkatio d UxM 9 you allow mrrtaob? to use your eccouK slut porno wi f be aR wkkb we ROM trCIIA a the payssest
a odwtizW em You *a* think candelf balm sibw4sg sayau is barouna so YON arm In us b of s 5 dolirndr ?oa udss eon deposit io a U S.
sut to t ed Mr bsesfw rv? are W m %p t puma to uss Ibe aerobd as you can IhsaeueI I Or the U S. forDi9 ba eafag a psFinarb
YON wlt rs,npfe ruspassbk fur flu un of Vela scrotum and such cud issued oa toot CbKt?ariayordaror nowinsdt de6kdutw4bapratartad or banister; byyaw rwnda
account acconfl lg fe M terms ?f this agrostswnt Thir fockidar your nspssibiity fur We "M 1101 timPt 906 Pgms is YOW total onfloble rredl airy not bx
paying al charges, a your st"m mode by on outhurhad usaL ttrsforadher ry m 15 tiara esker ova roentive your psymsM
Yay mry rrtquast as add field cord furun by an sutboritsd Mtge your aecoame If-* AWpollo t Thad sr actor 1s.,a d vw..- t wb1ck yo,: scud Ion b,• yu 1thn, d„ (caul
do w, tests act ead racy apps m on the arms report of that ourharkrc =w 11.0"W itexistaarked ~ idbo ir1 er s sbbilsr mftd b or tjwt r.u otherwise %made,
Yoe rrutst no* gat to taadruio an sutboriud mor's porudain te ass, your account I in hail Fo6lacdon of a ?aDwad attsupt k-ddwaslM7ma tcl must bu sec to at at IN
younodfyut,vremaydonthsatcuudatidjor issue anowcardaCardswkbadNfarod eastifio•elpayasstattddnssitladoRYturtronsth??sMesuttWsnsernsianright
eccountrnmbn You doaif also recover and destroy any cards, chocks or dry other regorft SKII papads For weefile.il it Is datern i"if then it no raid drspds or!
mesas Of across m Feet estwad hoe that oothoriud Over anytechpsynvotmnotaivsd at anyoher sedran ore rear artepi the paymsd endyes
Fredk DoW Year frail k e appears to your tiling staler art We may sin rotor to i)x VA to aura say mm idng bdenuu Ws War ta6s to accept any such pspn iot b
credit thou as a creak lads or spsrdivg Bo& yb r bi rml statsnroat aku mar show that taunting a w you, rot Cashing a ar by dawWrig k Al other pstmantr that you mat
oldy a potdsm dyosrtrcditlna R11ybe need for cash advances Cash admecsc indud im should by sad to the regular papaw adders abown an taw nonddy statomods
cash adahsan restkWe charged egaiaq the cash admrs pmdoa of your craditias, We rrsarvs the right to decroaksly cslact ymr oBgbfs peydnaut Checks, of ir.
e
and 9? douf'? axao Charged against gu rcraft Pas. aud Yuat$o?tgen'and 4 s? dole Pay"nFMch ??bank saeountanwhich thodoctisdrsnn
towauthortretion for as to colocithe remount r
EXHIBIT
the check elactroaieft 9411 osedrd, by a draft drawn oil elm the bank account balances grow the prngouc billing cycle for which pervill; Borne charges hove
Ptyraent thods veillbe tollotted dociroakally bysrw tg the check amen sr along out bmae sgreedrbilod
wrath ilia check, rotting and sort" numbers to yaw bast Yom bank aceoent may ff we dscids not to Increase yaurAPR awn though stare is a deierdl ore we do not
be dabilad as early a the seta day we mcaW your payment Do original payment Increase Your ANA up to Our maximum dafsoll rift stated In tho dales and has
check "IM be dosuaysd and an image will be mobae+rnd in Our scads Tabor, we rmsarva Orr right to Iesrease yaor APR Is One evatd d enylutwe detouk.
Walruses Perwar?t You ogres to pay at least the rni"Wom paytamd dap, as shown We may Is our discretk n drlermine to charge r d=W delsok rates or minelsto
on your bang stetam ant. a that we receive it by the date and dme paymaal is des standard Mss; far all or sslechid baboon n your asexual
You may pay mom dos the miairna payment duo and may pry do ILA aneaas you Fraancr cheoptNcdadea-Tea-ClichAraeyeBd?SaleealdWrodpodndahg
OWN us It oar don. R you have a balance that Is object to finome dargas, tha NswPwu3aem}torPruthaaaanhdAvewgrgeRyRalwhealNothodardrdlr411New
sooaeryospayes,dubssyWWIPeY10finance chmgrsbecause fnameclargas 7tiondes) pr Other Ttewedom ft a baud ear perbisib fitmaa charges
atom on yosrbefa+ta both day soparatalp for eacb balance aswciatd ruin a M er" tategay at fraosactons
Your billing stdewocdohm your beglasbtp balance and your sWbtg balance Idea per sawvkffiwchrws, WWI lransfas,bairewvadorobnbr. cashsdrann&
Now eshmW on year bAlag statarond 0 to New Belanu is $10 BO Or lass, your cash Wesson dacloy overdmkaatvsnM and east Tbase sakubtbnt
ntinirutoo peyewtt duo will ba dw how Balenca. 0"rwiss, h will be do targast of may Oaarbise dlferaud catbporias with tbo saao er Posludic rata This is how it
the f opovAWS10A1t2% of On Raw balance, or to sum of t% of the Now Balance, works
total bird pododfe rats fwaee dtargos, and any bllsd kb and rvarGadl loos As Wa calculate the periodic Gatete charges for purcbesas b two sops, n loBuwr
port *[ilia ndldemm payment due, war sin add any emoted past duo stud any smotant • (Fast, for seek dry of the blimp cycle we rsoliply the daily baba e, by in daily
over yew croAllna pariodis aa4
Payment Allocation: You epees dial we era suthurbad to allocate your pt "ants • Second, for such day d titan blNwg a*cbe we mulllpty tie dally balance
e?
and credits Is s way that is most fovorabie to or convondant for as. For mnmple.you
sutharbe us to MWYOW payments and credits to balernces with lower APRs Isuch
ith hi
r APRs
h
bal
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b
PP
i yde =do soma dun. bulk rate Nowew>;
for ptuHases roads In that bilfmg
vve do oat do ids second stop 0 we retafred MMU m I e1 to Now Balance
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tlta date nanddwa llhs alekmreh
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on
ear
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ance at am
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reduce the amount al any tradd babnca by the mama of now charges or lees bind Wa colwhiso tla periodic fora, charges for pordhesss srrbjatt le a promeliamsf
to your accoum rate tie sewn My; bot wa an the prometionel rate
Automate Charges Yom may tadhorbe s third parry to autornadcaly cherga your
s
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ing the bier and peyiol these doges
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this street to a dnkbhg account with one at Oar rebind beaks. W% oektdsu ft
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directly i1ytnm accodad rtOehbW changes. we moy bu?t am noLmgt d m, pay Iran
Your new aommsnardsar charger that you eutborked le be bled to your oil account p?d6s Gabon cheroot for Man Vonslus. bolas" Vaastrr charts. cash
ndvaaeae, and cash advance, cloth subject to a prenrotonal rte to same way.
numbs[ 6otws mss Do praauesaadrda
PromoOomc From time to Ow we may offer spacial zeros for your account 0 we
f do offer and bow loop they will be In o ied
tarrnt
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ll To gat rib dally baboca fur arch day far each tdogtoy:
Wine for that d
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Any p *MWM is subject to do tarns of this o9momwil. a modified by the g
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. Wa dal by dal balance say new a nsacdom, less, Odbsr tharga, and debit
promalorhal MIK
INANCE CHARGES sdpdomb dal apply to that tategory. We add a row pwc 1n% cash advena.
bakseetraeafer or o verdrak sdvanca: n a ppit ww'
team deli bolents of of the
F
Dally PmrlscRe Raley and Aneuoi Pamodsga Reties Your canal ponentaps rates
i"APfis7 and the vorrooxi modahp daily ps"ic rata we fibad an the Rates and Fees 6
trmeiatliest dola, or a later his of am choke ylfo add abowad advance cheek
or Wass transfer shark to tin My below ea rtf to"so tack advance
Table that is at the dal Of this dOtwtral or provided saps insly To get the daily cistk is balance traMer chair is deposited by a payee, w a titer dais d our
porlmdhe rote Wa divide Ilia APR by 30, end as effort always round up at the fifth
piece to ilia right d the deelnnel patent
lraef grOMt that balance say psymonts• aealt or ersri eeljntstmmnts that
choice
Vodable RatecDinormomAftthat apply tayear Account tmyvary VAchanges spplrudocategory aaddotwecrieftedasof*Kdry
• ft wad a credit balance is s balance of two
to rho Pronto Rru Whaa you hove an APR that vedr with changes is the Prime
Rota, we tmheedW the APR by adding a margin u rob Pthas hots pobBdod in hire To gat an bmgbadng below for each tntspety for ffie next day, we odd the dopy
b
d
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l
WAYArrrrJaussish eebarhostsdaytbefsrathef3esingDatashoomDoyo r6ianp ance I mom
eny
a
porbeOt Nns a charge b the
on an do* perform rots
ststenard The Ways Aso' Is the bfphest nt.S f Pdrw Role published In do MOM
YYaASorat.lOrrrmlttopt ptddsh6np
t if li
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J d cOdd ? to a carmine borma the raw ice do cwxgwY my very based an the
ns yell we do dale parfait rob ttet applies
nano het efts ermaga dailybalaoce
ouroa
re
roar
R stes section of no Wa
the Pffwa Rate, we will abet a similar rawnnca rely and Worm you on your irMPohg ,
fordo average daily below$ amount at do and drib billing cycle b colcutae the
stalannnt or hough a separate notice dame porfode tlasan sharpen each day This agraum ut ptaridet for dopy
A •mmrghn' is to parcanwge we add to tan Prince Rate to t scalds the APR A caMnn&g of rMim a Ann
'burl an day' Is aAayy day Orel is not a wrskand or federal Maley. The Ades and
Fees Tbhfa sFmyrt uddeb eclat, R may, are roriohde rotes k aka lists the margin !er To ggald in mid paloOlc liimms tdeargs fa Use Wang cyds, we add all of the dotty
perbanRs Feints a ono; for each categwr for nth day during ON billing s
each vesiab b rate and say Wnlmum dally periodic rata and ctareaponmg APR
t
e
6 it sum dallypsrlo* !limase chargaa an purdo sma, if nay sppky, Ion the p ous
M any periodic 8aaetr drugs it Ask we wall sharp you wit
bibg cycle >louwvmr
oe
np statemen
tee
Two business dogs before" lasing Dote shown on row O
bb margin to tot Prime Note to get
than add the
whet the
Prism -
twat an wohmn
d
a
Th
e daily riodi
the APR. The dafllly p brbrst rate 1s calculated ated stsd as dascede ernbad above
If our calculation marks in a change tire dally periodic rsh tram the prealon WWII eddidaed m>ew ybrp due midterm doom charge, the
b ad
addthat a- I to Ilia balance for ptmhsses we* darling rip bnq tide
eyrie betwsut tlo Prime Aew has chomped, t!n new rem vem apply as of the Rest
de? of year blimp cycle that ads in ilia celandar more In which wr mods to
rmd
hi
h btrrge so your account for a hMMog t" VA be the sum al the
Thu taha Oaaete t
pvdwk BMWs thetas pis any drahacfla be finance charges.
bmMeee
rvmtdtMruaoararegedep
date
mr
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er pe
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cstulstlrrtuRthsdaByparitrdhsrots incnetes,yauwlphavswpayp r
y
orn
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at
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finaatr charge end may have to pay a higher minions papww.
Dolsell Rater Your APRs "may very 0 you are In delaudt under tit agmemont adding tot amount by
lot its bun erc1o by adisg all your Osiy bA-= ad
tie amtoI of Boys in & b16np pylb 10
psrietic tiaate thongs k?r purcltesos
or any other agrna+Od you have With us Of airy Of our related compahhas let any of
the following masons lash derigg the pnvioms lillilg rydo Mt dM avenge dally to for than
pufadtatesis oleddatad ton satao war ly tla every deli balance for
di
• We do tot receive, fm nay payment that is owed ore this stow or any otter
account Or torn wffh at. of lead the mWmm payment dye by tin data and true ¦ , op. I lTttaleoovorodeNyPark
tnu.sedp?rON by to mmabar
d ? In W p,11111 now *quad* fins ew charges for gist
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or a
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lobttn uda mmwMe Ice thntlhf
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ans dun to roundng
• Youacted parcredit line onflitaccount GrateftldamlAOtneldRoane ChouilwWrsots ppsrWxmantathargbs
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d
- Yov make a to at tat is no b omad by your bank
• ToMuendard?bybeyff,alanydoes ohmputoccoymb,clond.Wedemand ram t
n
top teases If he, ar tdorga
er iris toyatdaBr lmalaete
mrdlpopowlnkilknoeelndumtywraeesihtarrnta4wotkrotdargspariodie
imhhedtda aywent d yam o"andbg balance and we do riot naive payment
width: ilia they we specify RttstrOSSbergss om wmW ptadoses Oiad dsthsp a bibhg cyek11th" ragthre psymam
M use:: lfia18alonce by rice dais' $-es firer ntireisalo Is dun and we
if t q of those omit occurs, we may Increase dneAPAsPnchmft errypromoOond of yOM New Illinois on prarfous be a temwnt by the
APIV on all balantat l xeleda? oradnlt edvsmcal up to a maximum at the default dab and your Wyrueoh was dw.Thk pdwt at'grsceptbd' a pplies tint y
rate salad in ilia Rain and Fees Table We may consider the foDOr`fiq keclart to to eta dwaesaddoernst blsebat airwalars, balsow Vaacforchocts, cash
cad W arin ebb or ovOrdrak adrmuty
I eppitceble
,
determine your default mK the length of time your eccaad bas baud OOppam0. the .
ausunta, seriousness and timing of ilia defouks an yew aseou t: arhbrindCrtors Treasagiee Na for Cash Adn We rimy charge you s cash advance tae in
of your actosmt usage and parlmmaace; Wonsovotr abed yoor Other ralwbnadps the nwvagsisled In the Moter and Fees Tilde fee soft Of the bolowhip V onsaetionsr
with us or any at our related companies: and Wormsdon we obtain cram season • cult notecase checks;
cry* reports Obtained from credit bureaus The default rate Will take effect as of • cash sdraoces
tin first day of thy billing cycle in which the delsuh occurs tend taal appryte purchase
Pove L at t&.4 MY
in odddion, i you of a two party service to make a phr s transaction yaw dobehaff e Ise Nfor W tthy
he
service thargos the payment to this acrowd we may cp
payment
These transscli n Isar All fiance chergu We rid the lee to the balance Ior the related
category as Cliffs transaction date of rho cosh advanto For example, a transaction fee
for a cash advance would be added to your cask tdnnee balance
Transaction Fees for Bolster Tmnisrs We may Choi, go you a balance !ranter he in
the amoum stated In the Rotor end Fen Table la each of the loflowhng tmnssctionr.
• bslencatreasferchacks•,
• ballotslrunsfers•
These tmnutdon less try Ili d agoe. We add the fee to the balance for the rallied
cotagory as of the transaction data of on babonce transfer. For example, r transaction
Ise for a balance traularwould be added to Vale balance transfer balance
tiYNER FPES AND CHARGES.
We may charge do foiowinit leas The amounts of dose fees we listed in the Rates and
Fees Table Thos lass will be added rode ballots forpurthases mods daring the billing
cycle.
Annual Am mbasfalp Fea: I Vow eeeora has an ewrtnt membership lea, it WIN be IdO d
a ooh year or In momhfy brstai maids In stated In the Rules; and Feet Tablrl, whaker mr
not you use your aecumri curl you you e_ us ? ? irAsa vAsIt to close your account vi" 3D
Ter at non-dritmdrbie wines yaw pod(V
days of the date we mail your bNfag slstmaeat me vehieh de m meal masbuahip lot is
charged and at the same time„ you ptryour taxisadIng balance in bull Yon payment of
the annual membuship lee does net mleet our dgkt to Clow yon account or Gulf your
right to make trumetions so your eccom it your eccoom is closed by In or us. va
vAD continue to charge do meal rnnabarshiyy In until you pay yoroutstandtmg ballots
in full and to worts your account miado nship
We Foe If we do real recokre at least de isqulr d mbrbmum P y w i mby lho data and
ay charge the
time it Is duo n shown as yaw billing tiatamenl far say bTdn9 cy
lots fee shown In the Rates and Fsac Tubb If day, kite foe is based on a balance. we
euir-il t the bu Ise slog Uu Previo is Belann w the tumoral mmNh"s sutommd that
shtrwt The lots Its This balance is the same as rho Now Balance shown on do prior
month-t stetemad for which we did not receive at I" the required robrkawa psymeod
by the dais and Onto It was doe
Overiimit Fox l yon stCOUw balance is are your credit Ibis We me during a b bgbg
lee
cycis, awe I only for a day, wra may Charge
even Iyour balance IF wards eradk in becomes, of m fineaca charge or lea care 1--od
or it f tya BBu we?my ??urp
bang an awn" in in subsequard ban C"Im svea I so
over your
now trertsactiouc we rredr on your account. I your account balance sill h
cr11dt one et any clew dudog the rubsaqu tdCycle lnstrtanent is not hoatrtd, lb)
an Return sut11mttelmio drlril o Fat or I otheIs) r ebeironhe your payment Is mustard unpaid. or W we must ratan
a payment cheek burvirm k Is mot signed or Comwt be processed. we may charge a
rattan psymeal iss.
Return Cheek Few if (a) we amp payment an a cash advance cheek or buten a treader
chock at yon ragrasl, ur lb) ws refuse to pay a cash advents check or bulrnca woorfer
check. we any ebuge a return cheek lea
Admialslnrivs Fro' I you refloat a copy of e Whni smiquhert, sales draft or other
record of you account or I you regeed two at mom cards or any spacial services liar
wmmpl4 obtaining tards Drs an exprow bashil, we may chats You lot these services
Howavey wa WE out charge you for own of bm" tnsnmems, sales dmks or Shaffer
hlocraraarts toed yaengwalor a hlfngdoayoh yasauy sssrpaaaInrlusoduappltsbb
low Wo may t iafgs. IN any services 5066 show and Dort s uvcas we provide, The
fees from tiara is Omp is effect who we Dlsr the semi`..
DEFAULTJ50LLECVOW
We may Consider you t0 be Its delete A anyof three occurr
• We do net rot" atleest de akAMM amount doe by the det• and Ike duo os shown
n year billing tteuaawt
• You stood your credit ho.
• You Ingle comply with tht terms of this sgreemert r arryaarremeM walk one of our
misrsd contparim
• We ob1aIn kdamsioa that terrsss uS u 6siero tMtyou roar as, umh35ng u unable to
pay your debt% to oc Of 10 others an that
• You Ile for bnktuptcy
• You became innpeciatd or In the mot of your death- ,
It we Cotnsider your st mod to be, I% default, vat way doss your account vAh w eorics
and require Yoe to pWym mapeid balance immsd ataht We An may require you to pay
interest at the rate of tyro poreeet (Al a mmifd us the onpuid baloney whom we darn
yaw sewed to be tic of mat Ming cycbs pest due.
To the extant psrndtted by Iwv, I Yea an In default botaro you have failed to pay us,
you vAl pry our Collection coals: ono meyi' feat corn casts. and on other expanses of
enlordap our rights under his swoomant
CLUS1110 YOUR ACLCUBT
You may close yen octood at any lima 11 you call us to dose Your accourd. we may
require that you tonirm year request in writing
We nmy dosu you atmW at say time w suspend your credit priviloges n any time for
any toes" willunt prim notice except as required by applicable low. If we dose your
account. vro vrll not be itbfa to you for any consequancet meaning from closing yaw
it ccount or suspending yaw credit privileges
It you or Wa Clow you account. IMF and arty aurbmirad users most immediately slop
usm9 year account and destroy of cords, checks or otharmaras to access your account
Dt rolunt them to us dims request Yaw Will Continue ID be responsible IN chsrpsr to ytrw
account even I they are made of processed ehwyoer accaunt k closed and you will
rAA i2V
be regvi ad to pay the ontslsadimg bmleecs on your sccound according to the terns of
dais agromme n. In addition, to the extent allumd by Ir% vw may require you to pay the
oeWmodbelrebnca kamodistoly or at airy don after your account Is closed
AR6ITRArMN AGREE1f 1adT
PLEASE 16AD THIS AGREEMEM CARERW- IT PROVIDES THAT ANY DISPUTE MAY
BE RESOL11fD eir BINDING ARBITRATION ARBM&ATIW REPLACES THE RIGHT To Go
TO Cm= YOU WILL NOT BE ABLE TO BRING A CLASS ACTION an OTHER
RFPRESBfOUNE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE
/MONO M31ERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN
ARBi affluM As A CLASS ACTIN OR DIM AURESMATIVE ACTION. YOU WILL
NOT BEAM.ETO BE PART OF ANY CLASS ACTION ON OTHER REPRESENTATIVE ACTION
BROU6H1' BY ANYONE ELSE, OR BE REPRESENTED RY A CLASS ACTION OR OTHER
REPRRQKACTiDN.INTHE ABSENCE OFTHN ARBT17WHIN ASREEMEK YOU
AND WE MV DTHSWIhE HAVE hAD A RUT OR OPPORT MM-TO BRING CLAIMS
INA CDO1tXISOMAAffWE ORJUFr4AND/DRTO PAFrMWATE OR BE REPRESENTED
N A CASE FRED IN COURT BY OTHERS (INCLUDING CLANS ACTIONS AND OTHER
a EALT HAvE IF YOU, WENT
m MAY BE
r i CCOVW OR THE RIGHT TO APPEALTHEDECiS10N
8ia6ugArbRoEoaTkkArbitntionAgrsaamrdis made PWROntte aUMuctiottW-I*Arry
IWuusse commerce, used All be jonmined by end be sdortnbb older the Federal
ArbbrgfmAolldts-FAA-LBUS C.51-IS akm yba ammWsd Thk ArWatio,Agraanrml
sets Ing*gochg nswrttas andpracnures rmderwbfeb eluba In donned bolowimay
be resoMd byseAtnadon instead of hakg Rtbstsd is court
PadlinbyeesLFwtheMpurpomofdfSArAmilonAgcasmaat'wn; us;end-ow sko
ktdadasaerprns6subsid ries,affiliates,icetssas,pmd11cessBrS,rurx.tsorr,assigns,
any lowduseu of your Account, end allof dair affesm directors, ampkysn, agents,
sad onlip smr sty and ail of them. Addh1onrfy,'vn7W aad'ove shall include any third
puny prseii'mibsnetis,swultss, orproducts In Coroacrion with ds Account Gncludfng
Mq not 6sisdto credit bureaus, morcarts that accept any credit davits Issued under
the Access& tswarde programs and anruffoot n sw.isae. Credit ketonuuata eomperdas,
doblcoll cismsadanalthoroRtcsrs.igraetors,empiaysss,egaotsandropresonualn;)
it and miylteach atkird pertyit named by you as a co-delondatdin any Claim you staff
DPW=
Claim Coaaaed- ERhsr you or we may, without rho other's cbnnK Watt msndslay,
bh*nl sum irodoo of ufy daha, dispute of rentrunny_by "It YN OF n 119111151 the
whKoeeltisctloo smployeskpsmnts,subsidlarise,a tes,bin11Rciories,agentsor
assilttt d fa vdmK mrkk+P from or roitBag in• any troy to the Cardmomber Agroamara,
a ayptlssCettlwatbupgnoms?K,yot?we&t rdAetotrntordoadvortieb app?alion
or rsaai d your Actmamt ante. This Arbitration Alrsaani goverac sI Claim,
seem iReion am based sit IM soft, coa6scL regulation. Brdaraace, tort,
com mes bK soasflsdapal fuovisioq, u any loyal thorny of lair i n% ac respondent
sh?ouisf;arapytdet legal Br oquiable gto mal and w1miker sunk Claims soak n mawdres
money danslas;pooodlim,"Ifoy,ordoclasury tar equitable relief. Claim so*ct
to this Arkirs6onAlignment. mcbrds Claim reprrdrg the applicability of this Atltitrotion
Agnomol wilipYsfrdigrofthemotbeCardnrtpberAimsmutorsaypriorCardmember
Apreetasta 7Nis ArhRrsdoa Agreement iacfadem Claims thou Bross In the post, or arise
In the prnaed of the btura As used in Wit Arbltrcdan Agreement the term Claim it to
be /ivwttlwktoadastpossiWs mowjno.
Claims; tAledto arbirsdon Include Claims that are made as coumuadaims, gross ciskas,
tided petty cl" lMUrpleodors w otherwise, and a pasty who itdtlalac a proceeding In
court may sleet arbitration with respect to any such Claims, advanced in the lowsub by
maypesgrsrpudes.
As m a-, doe to this Arbitration Agrasu ard. you retain the right to pursue in a smell
dmiosctyWepirCiondtalisvr tintltnteoaisitrrlediclhmandproeadsosanIndividual
basic Is petty Wbciste armRrsts a Clout, de atbkrs*mvvM be condoctadas on hndnAdual
ecdoo 11111 rs yet: rw wo o reo to say srbkradn as a cats w ropi o=:aed•. beta,
sodddumiltrsgssdtsihave no autkmibrtapronsd m suab bask.This mesa lhsl own
is r#tast?apLarsolarwhurapraeattatlw wtbq, speb aslhetmt ins tonm of eprmtt?etts
anussylanaral aetiott,k lNad, annyy pamakatwssnus nbud to iaissan rshedm such
IeavsaicoA ih w6?t>m as bdiridaW arbitrtdoe dslm R aihar you or we w end.
No All Acs will be conalidotad wftk eery other srbdre6aa proceeding vdilrout the
cm?a! at a/ partial. The any Float chef may be joined In an Individual sttioet under
die ArkinAisa Agrenrat are (if than bmugbL by its sgaina you and say to-applitant.
i t eenAseshI or atthatked over of year Account or bake a your ousts in
botkruploy u [8 cleat b1n)"M by you sod any to- east, joint cordonerber, or
tndturisd wer of your Atcooa% or your bekc or your trustee it bankruptcy against as
hafisim - Aybitradoe The party 04 s Cldm In etbhredah mgt choose on of the
iolaaeig tun arbibo6oa edmmlci dom Amwkoa Ad*adas AnDcfodorc u Nadonal
Atiltrttfet boxi-These adtttkdsvaton *to Independent from us The administrator does
not reelect Be srlikoin Arbitration Is cmdustod under the robs of the selected
sibboilm detii?retor b f to imperial thkd patty chosen in accordance with the false
d des sefatttd urbbrefin administrator end as may be provided In Ufa Atthration
AgtwmuicAny ubmrolke beaft till you snand shah Its laid at a place chasm bV
die otiittsdo or arblimir t milmmistraar v*h% dto ladaal joiciel datn.t In which you
mdit echo time aka Clebr Is Nod, or at soave otter plots to evMtb you end we agree in
wrRial Ire tray obtain copies of the errant rdos of each W the two arbitration
edttidmatrrs, Information about arbitration end arbitmtion team, and instnicdans for
kdtisiep nbirelfam by cortotting the sm"Von sdadttkrtrators u follows.
Amxioq ArM"Gon Association, 395 Madison Avenue, Floor 10, Maw York, NY
iB/174t, Web site. i~sds org.900-771-7679; or
gloOnd pddlpden Fen^ P.0. Box 50191. Minneapolis, IAN 55405, Web ON:
wwww6Inednu-foram comb OW-474-ZVI
Procedures and law sppOcoMs is otbhlrelloo. A single, neural arbitrator wit rewiw
CithazTleorb tratorrA althorbs a bwperwhth at hintiyw years exparioM Br a refitsd
or formor judge The sebilralloa mall be conducted under the applcable procadures it you Wd via love reporird fiaccureta Information to a Must huewt, ran may
and rules of the arbitration Wmlm ctratsr that MIN BOenoutha 1510 00 arbitration writs to us at tb Cardmember Sorvics address kind on yaw bMq mieument.
is fled unless those procedures and rules an inconsisnd with this Arbitration
oles
d
d
h Mam includeyyoournmoa, Bddns5, ocrxura number, tslopbmanwbarends brief
pinata pcawde a copy of due credit bureau
tios d tits probiee N available
doeui
ures ma
r
ese proce
Agrommerd, in which case this Agnamaat will provrl T
may knit the amount d dbcowy avoksbls to you or or The arbitrator will apply ,
p
rrport'e queSdoa We wit prampfty investigate the mreltor end; Naerisaesilpslon
applicable subs grdive few consistent wAh the FAA sad applicable statutes of
t
to
Y
la shomrs lot an right, ws will contact nook credit bureau o whkh we raportad
Au khnneOw rod udl regsesl tbar ewrrct the rap n If ws dtwgusewlUrywr char
roose
ne
on army t
kmitaftM sad will honor elsbor of Widoge racopoind at
have a hearing slid be represented by counsel The arbkrow x* tale rownwauia our lomfisrllog, our wH td you is writing or by tslepbne nth all den nobly the
steps o pnAart customer Account Wormed" and odor confidential Worealhhn. credit bureau dot yam dtpts the bdormetion unless you tat ue home that yon no
including the no of protec" orders to prAM die bmo outside the arbitraore& longer disp o rim trdamor"
N requested to do so by you or us. The orbArator will have the power o award to a NOT ANGE OF PERSDNALWMRMATiON
party any damages or Art rekrl provided for render applicable farm. Bad wi not
orcon who is
book of o
f
i
f
a We WI MW cards, bift statements and odw aolicrsto you sign jewm shown
slBtesmws and awcas
5 account
we can sand bein
# this i
D
tk
n F
W ega
or
asl, or
n
hove do paawr to mwsrd ratfi g
,
t
In oar
en.
a:
not a petty to the proceeding If the law suthadtas suck relief. the Brbitrata rosy to any joint atwaM Whims Notice to an of you YA be suadderad Bulge o is of
award poeldn damages as ouorory lass The arbUntor A mob any awed in you aid at Bfyos vfl salmis obligated on the account
writing bat rued trot preside a statoamod of rusoar wiess rsquetted by m pony If you chap trans own. address, or home, collator or bashow imempiona enstber
Upon a mquest by yor or ar. the arbitrator colt provide a brief statement of the or amp addrBce 01 you elect to receive billing dwon ents or Ave ntces onknel,
l i
t
i
h
dd
h
i
reasarrs for the award. ng a
mn s
aver me yaw b ap
n wr
t
e a
t
you muss ns$ us bmrmade
Costs. We ehdl raistburse you torIlea hfdal rrbimsaba king Ise poll byyor up to Nu statement. Vk Bray: at nor option. accept mailing address eenacdoars lean the,
amount of SSW upon roesigi of proof of paymoat Addlibalp k then Is a hawing, UntMf 20as Po$W Serving We may contact you about your sc o of. including
we will pay say fair of tie orbitrolor and otbifmtor adremirlnfor for the lust tyro for MUUOor Brooks or colloclim at any address or telephonm nigher or. unit as
drys of that bearing. Tie peygmt at Bar sacb hearing tees by ut Will be mods ally salhdu hiepbsoe m mobr1 yam provide us.
dirartly to Use o"roloa administrator selected by you or as parsaod to ibis
with the ndss of
IN
bN
d I
il b
b TUff! EAiW WNMAMDRECORDtgli
g
tste
O
e a
n
Arbitration Agreement Al ether fns ve
the arbitration admbuiaaretw end rpplicabfi Igor NowoK we will adnnse or yV% and g maws. am Agents, may Drive to mud record year Wepbns cogs wish
us. you apse tot con. and 7 applicable. our sprats, may do an, vd aUnr you or wa
rairobun m fifty toes ad other fast V the arbitration adab ldratw or arbitrator intiato de abooma col
data, minor then is good roomm for ngahiny us to do to or yon stir It and wa
INFORUXIiiION S'NAMB
datw=lm then is good tense for derby so Each pony will bear flu expense of the
teas Bad costs of that pony's atromoys..>rp m witnesses, dominants and other Youa011:01 eestoshare Mainintormodum oboutyou mud within am
leedif of roBgeAleA end emih others outride oorfimRy of r ompariss fhncbrdirg any
-
srparue; rsyarrt artifice of which party provalls, for rrbiuatieB wW any ¦pprat lac
permiNed bdoe.?L Buopt dot the arbitrator shag apply any eppicBirta law in twkasperadsed
coropsof aprduUanwfinSBowns ormadamyoppoor ant's
by lent Our Pdnay Paletr YA=i le pru idid to yor whoa you wo necsirs an
cimmrbdny wf a .ora piny sbouhd recover aq or ale tut and tosh Iran another egm m dmwmti nia path cafirdsryarrttersmbati----- nrbdormmden
party
ftiaforceoord, ftnaiNyt oppssts Failure or say delay in a it -1 g this Arbitration shy Prallcom and the choices you hen and dbacdcom yes nor yi'e or about
aw #" of inlarmadaa ebot you and ymrr ueoert wgi emnpsrior or
AgrauwurBatauytbttn.eribmesnnrcGrmwidtrnyparderdarCMieK,wlRsottaWbte
a waiver or sarrfghts if require arbitration lit a leer linen or in connection with any i? htB and onlsids of our family of con"Wes
11uum cmixw IRIERS
other Claim Any decision readord b each arbitration proceeding vA be final and
tdrmdingnodope rkyunless sparty clefschdtmplafluarbArslrahapsati:etlen
eal most room anew srbluBUar
a
Th
h
t Illailslaorp?es 11o omayoutshare lWatmmdonoboe you vAi compotdss
or nosy r oaaldt dam fan* or ccmpanfes "Is" Yes oothorba the
pp
e
t
e
vhrihh%M days of lssummse a
boson a pM»i of two nuiral arblinnars didgmaW by the seer arbitration
il tscousidrr rN buRad end lep1$sws rnaK fokovr tin
it
T dixissras M uka do closure fogs under another utoom In the bw (such
as shaft inkmmdon to process your uaasseUarus or is tasporrse Is, a subpasooL
te
ba pa
orgaalm dam,
soma nuts that r1miN to a proce" voiBg a deplr arblrxlK sad rooks daci:ioas
ta o the amjority Foch potty WE bear flair rum loss, costs and
h
d
ppiwblrg1oMuhsstibed
You benbragnetheLNyouchain not to srareke Uo 5
b our Never Po ft you wM be damned o hove atnboribhi as Is siors personal
e vu
base
on t
ovomas for tiny appiei,bitaPerry meyrowmanyor anher, couanderprBtas
from raolbBr Pea F. N due nsaioritr of the POW of sAritratae, et+plymy NOpGtaLM bfsneadmavoISMabout youfintlo irginfirntatioeruimNdtosByaldopraducts
or cetri In coy love with any of ON campanies) With eawpmhAlas or other
so datrradrtor Am award br Nrbhretfia rvN be wtoraable as prow by the
I orpolodion Sulsiir of our fimNy of complain
nK
FAA ar other applmceble I w by any cosh havbyjattladbsiIN
SosarailISM survivo4Tab lvbWas Agramomm sbal smriar fil tanninatlan or ENFO8CIN MO ACREEhiW
Wmmdilsrmalarcigwadenforce any of am rights undorthi: egremomwthout
changes in the CanknomberAgro mem the Account and the relsboasbfp between
you end or comorning the Account. such or to Iscuiny of a mrw aecomu member looial ow rightlg ardame dom in the WWI-" say of that". d dds agreement
are fart is he toetdanmble, 5N other terms wit romalm in btk force
or the ostrslar * d the Want. EB the Account o wNher Meant f1 the ASSWINNIM
bsnbrupb d my p dyorpy shaker p mtwdiag lxMaW by You or m yew WhA VVq OR UNION your acroual, any mounds You own 1% or soy d our rights and
and (a poppow d the debt in full by you or by a third p I try Of this
Arbkn*o Agnaaettt it deemed ionlid or uawiarseawpa floe rmm Wag portions o rtes anderUdr ognraont Is a third pirty The parson to t rhamws make the
ac wi to astiUed to any of our rights that we assign lather prrsaa
shelf mmnbskss remain Is tomm, mV1U9 LAW
CHANGESTOTHISAO11E91W THE79MAN1f34W.BIENTOFTHISAGREBMTANDt' xA=mTsNAU.
Watencl h dot Bgreemeatat any*W.regedirssof whatherwsLaw ar.rtss DF6Diil?JED/'.i?°JDYiT.?'.PIIETEL`INa.:CDADI':"_'E:Y.^.1iI1?AIUWi,1?,TD
to your stcosui, by addisy, deleting, or medNfeug wry tas+kiorn Our tight o odd, THE D]a fT STATE LAW APiM.M THE LAW OF D13AVIW WInNDUT fumy
dilate, or anodify provisfare Includes floetWelistris, suck as the APAs and Ism TO CONU .?-0FUIN PADN KE& THE LAW OF DEIAYIMNF. YAM WE AND
Byrd other tsttac such as to Nature, L%Um, gad odorconsol of do rights and YDUTACCOUNTAREiDCATED.WRLAPPLYHDMATTE WHEN YOULIVEORUSE
oblystions yore or we may bore relating to fbis waomenc Modifications. rddrfronr.
s' or a Thon
s'
d'Ch
o
k
d Ti#ACCO N E
FDA iN iDN
g
p
r
s
sfalons sus cs
or
We will oudly yon of any Cbongs N required byepplicsble law Then Changes mar Plan tat do Car>meaabor Servira telephone oumbar an peer card or b>Nng
be offactive with amiu v*, at the too BMW In ow motim in accordance with
appkolde low Unim we stem othanrdse. any Change w71 apply In the unpaid sta mmo rd Ems ary gtostiotu about your account or ids agrranant
TO L41 OR LM M
3
111
balonaff 0 Your account and in Bear lraosseliens
will deenibe any fights you my tun with respect to oay Change, tad
d
aodw
The
d» notice
hts For wmpk
e toss ti
i
d
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under d Of Errors Or Onestione About Yew dill
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an later tee m days after era vent you the first big on vAgeb no error or problem
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to eeoept all Chaps In r.; namms sari to occept arm{ ronf rm as tangs d , pp:r rd w: con Wepi m> - t:, but dough ac wi' not w oihdrm yea 400
yaw agnnwat sod all Changes In prior notices eve have sad you regardless of in ysorls"KOin us the Wbv&g information:
wbthar you hors access ro year sacarnt
C1I®iI 1111MMATIDN • Yaw same ad attma m wdw
• Do daMrrmnaM of At suspected affix
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M may padodinVr ravirw your trsdk history by obtaining information Iran credit _
s mn error fl you
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'jys the here YOU sus not lien ms
madamoralmlarmallo%
burgess sad others
We marroportfaformeteonabout youandyswatratmtIDU&Mburosas,meludi"
ym Failure Io pay ut ea time . N you request additional cards an year account for
if you hour sodmorhedortoperynor credit cord bPoutomeltatlyinemyoarsrAngs
at cbscom 8axotg4 you can sop the peymed on any SOWN rest titbit is wrong
others, vs may report account Information in pear near as woo es In the names of To s%* do peymot we low muct reach us d to etc m at least three budna ss; days bolero
those other couple
Your flights; And Our Responsibilities Ahrr Wes It ceivs YourvM112A Notice
a!o a of C Cal:.::::
Wo must aekaavuiodge yoot latter witldu 90 den uhIM we buys corrected the error by
then Within 30 days. we must either correct the error or explain why we behave the bill
r %vas correct
After we racelvo your letter, we canool try to eo6ct eery amount you question, or report
you as dolinquent We can continue to bit you for tha amount you quastlw% Including
finance charges, and we can s ply any unIssid souruat spofnst your credit Eno You do
not have to ploy any quesdong amotml whilp we we bwostipe0ng, but you ore will
obligated to pay the parts of Vote big that are amt In quastian
R war find that we made a ulstsks an your bIll, youwil net have to pay arty llnence charges
related to any postionad amount If we didn't Brake a adstoko, you may have to ply
finance charges, sad you WIN hove to ranks op nay adssod payments an the questioned
annum In either rest. ors will send you a statement of tha smounf you awe and the data
drat ft s: duo
a you fail to pay the atsoent that was think you owe, wo may report you as delinquent
HawevK 7 our esplanadon does not sedsfy you ad you write to otwkidn 10 days lulling
us that you so refuse to pat, we must tai anymu was report you to that you have a
quastloo about your !ill /Nil, we emit up you the name of anyone we repotted you to
We erwii u1 anyone, we report you to that the maker has boon settled botmon us when
$ finally Is
g we don't follow these rules, we can't cAact the fast Sig 00 of the questioned amount,
Oven i yaw bill wet correct.
Special Rats lot Cradll Card Purchases
It you have s problem WA Ibs talky of property or services that you pwcbasad with a
credit curd, and you have triad in good limb to correct the problem wuh the merchant,
you may have the right sotto pay the romefning enexa t dust an the property or services.
This right doer not apply to shack transactions Thsm are lava fsmetedons on this right
(e) You most have made Do purchuss In your lots state w, 7 not within your home slats,
vMM" )00 miss of your Omni mefimg address; and
(b) The purchase prim west have base most than all.
Tboso Whadaas do nil apply 7 we own or sporsts the merchant, or if we mulled you the
advartkomeal for the property or sarvicas -
Copyright (DMW JPMwgao Chasm & Co AD rights reserved
Palo: c:: T; IMAlzs ,
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that she is Angela S.
Szlezak, Manager of Chase Bank, USA, N.A.., plaintiff herein, that she is
duly authorized to make this verification, and that the facts set forth in the
foregoing Complaint are true and correct to the best of her knowledge,
information and belief.
(Signature)
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
CHASE BANK USA, N.A.,
Plaintiff,
V.
ANDREW J KREIDER, III
AKA ANDREW J KREIDER,
Defendant.
NO.: 07-5575 CIVIL TERM
Plaintiff demands that the defendants answer and respond to the. following Request for
Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the date of service hereof.
Plaintiff also demands that defendants answer and respond to the following Request for
Admissions pursuant to Pa. Rules of Civil Procedure 4014.
You are requested to admit the truth of each of the statements of fact hereinafter stated. You are
instructed that:
1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et
seq., and each of these matters of which an admission is requested shall be deemed admitted
unless your sworn statement in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your answer, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you fail or refuse to admit the truth of any such statement of fact and the
Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses
incurred in making such proof, including attorneys' fees, witness expenses, etc.
5. If, in response to any of the following statements of fact, it is your position that
the statement is true in part or as to some items, but not true in full or as to all items, then answer
separately as to each part or item.
6. If you have been sued in more than one capacity or if your answers would be
different if answered in any different capacity, such as partner, agent, corporate officer or director
or the like, then you are requested to answer separately in each such capacity. Failure to do so
constitutes an admission in any such capacity.
7. In these Requests for Admissions:
A. The word " rson is)" means all entities, and, without limiting the
generality of the foregoing, includes natural persons, joint owners, associations, companies,
partnerships, joint ventures, trusts, and estates;
B. The word "document(s)" means all written, printed, recorded, graphic, or
photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any
manner to the subject matter indicated;
C. The words "identity", "identi f, "identification", when used with
respect to a L)erson(s) means to state the full name and present or last known address and business
address of such erson s and, if an actual person, his present or last known job title, and the
name and address of his present or last known employers;
D. The words "identity", "identify" "identification", when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creation of the same, the name(s) of the addressee or addressees if any and the
name(s) and address(es) of each person who have possession, custody, and control of said
document(s). If any such document was, but is no longer in your possession, custody, or control,
or in existence, state the date and manner of its disposition; and
E. The word "identi ' when used with respect to an act (including an
alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means
to (1) describe the substance of the event or events constituting such an act, and to state the date
when such act occurred; (2) iden ' each and every person(s) participating in such an act; (3)
identify all other erson s (if any) present when such act occurred; (4) slate whether any minutes,
notes, memoranda, or other record of such act was made; (5) state whether such record now
exists; and (6) identify the erson s presently having possession, custody or control of such
record.
8. Unless otherwise indicated, all Requests herein relate to those certain events,
persons, and period of time more fully described in the pleading in this case.
9. These requests are of a continuous nature.
These Requests for Production of Documents shall be deemed continuing so as to require
supplemental answers and documents if any information of documents are acquired subsequent to
the filing of responses hereto, which information or documents would have been included in the
answers and documents produced had it been known or available at the time the answers and the
documents provided pursuant hereto were produced. Defendants shall supply such information
and documents by supplemental answers and production of documents as soon as such
information becomes known or available and in all events, prior to trial of this action.
If objection is made to any requests for production of documents, it is demanded that the
requests for which there is no objection be answered and furnished within the aforesaid period.
All documents identified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and department from whose files it was produced and the current custodian of said
document.
If a document called for is believed to exist or is known to exist, but is in the possession,
custody or control of another person or party, the existence of the document, the identity of the
possessor, custodian and one in control of such documents shall be provided along with any
applicable common description or citation utilized by the publisher, possessor, custodian or
disseminator of such document.
If any document called for by this request is withheld on the basis of any claim of
privilege or any similar claim, identify that document as follows: author; addressee; indicated or
blind copies, date, subject matter, number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claim asserted.
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries,
diaries, charts, lists, phone records, data compilations etc.
REQUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
REQUEST FOR ADMISSION NO. 1:
Defendant applied for the credit cards referenced in Plaintiff s Complaint.
Admitted
Denied
If the answer to Request for Admissions No. 1 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 2:
The attached monthly statements, from November 05, 2004 through September 04, 2007,
correctly identify the payments, charges, and balances on the account as to Account I.
Admitted
Denied
If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled
checks, both front and back, and/or if not available, specific written documentation supporting the
denial.
REQUEST FOR ADMISSION NO. 3:
The attached monthly statements, from May 02, 2005 through September 02, 2007, correctly
identify the payments, charges, and balances on the account as to Account H.
Admitted
Denied
If the answer to Request for Admissions No. 3 is "denied", then supply copies of canceled
checks, both front and back, and/or if not available, specific written documentation supporting the
denial.
REQUEST FOR ADMISSION NO. 4:
The last payment on the account was made on January 19, 2007 as to Account I.
Admitted
Denied
if the answer to Request for Admissions No. 4 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 5:
The last payment on the account was made on January 15, 2007 as to Account II.
Admitted
Denied
If the answer to Request for Admissions No. 5 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 6:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit
card in question.
Admitted
Denied
If the answer to the Request for Admissions No. 6 is "denied", then supply copies of specific
written disputes as to any billing inaccuracies.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED SHALL BE USED FOR THAT PURPOSE.
Patrick Thomas Woodman,Esquire
PA I.D. # 34507
Weltman,Weinberg &Reis,Co.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh,PA 15219
WWR:06078945 & 06078948
Page 76 of 77 Oct 29 2007
Statement for account number: 5401 66301007 7763 uwo
e
r§
Jew Balance Payment Due Date Past Due Amount Minimum Payment
3.905.83 12!29!04 $0.00 $78.00 1 N" igmte
Tax limer
your check payable to Bank One. your pay.rlfaent using almost hors. Make
kmounl Enclosed New address or a-mall? Print on back. card. For details, your credit
k, vlsN
offioialpayments.ccrtvbankone
540168301007776300007800003905839
CARDMEMBER SERVICE
PO BOX 15153 241506EXZ33M
WILMINGTON DE 19886-5153 ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17055.4337
1:5000 L602131: 20930 LO 0777633r
hers Statement Date:
Pa
ment Due Dale : 11,0504 -12!04!04 CUSTOMER SERVICE
12'29
104
7?
1/Igeste y
Minimum Payment Due' •
In U.S. 1-888.547.1279
$7800 Espanol 1.888446.3308
TDD 1.WO-955.8060
Outside U.S. call cofiect
1.302-594.8200
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 S83o 1007 TM ACCOUNT INOUIRIES
Previous Balance $0.00 TOW Credit Una $4,000 P_O. Box 15298
Purchases, Cash, Debits +$3,810.83 AvaUable Credit $94 Wilmington, DE 10850-6298
Finance Charges +$65.00 Cash Access Line $800
New Balance 53905
63
Available for Cash PAYMENT ADDRESS
$94
. P.O. Box 15153
WWrAngton, DE 19686.5153
VISIT US AT:
www.cardrnemberservices.com
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credt Debit
11!11 23160008290100500001086 BALANCE TRANSFER $3,600.00
11!11 231600092901005DOD01086 TRANSACTION FINANCE CHARGE 65.00
1117 55541 MW323072010490758 GIANT FOOD STORES *SJ6 MECHANICSBURG PA 25.51
11!17 05162534323032303471486 BEVERAGE EXPRESS MECHANICSBURG PA 38.48
11.20 55541664326072019539027 GIANT FOOD STORES *SJ6 MECHANICSBURG PA 40.56
11!21 55541864327072013380757 GIANT FOOD STORES *S1 A MECHANICSBURG PA 24.90
11/20 55541864328004126477850 CITGO FOOD MART MECHANICSBURG PA 40.42
11!20 85470824326325OW000455 YOUR PLACE RESTAURANT MECHANICSBURG PA 9.w-
11121 55541854328004048869345 EOKERD DRUG 1x8650 DILLSBURG PA 25.00
11/21 054WOD4327837000007904 EXXONMOSIL75 04546019 MECHANIC PA 18.00
11,28 55541864334072010442833 GIANT FOOD STORES #SJ$ MECHANICSBURG PA 38.48
11x27 55541864333072017257961 GIANT ROOD STORES *S1A MECHANICSBURG PA 29.37
11!27 05182534334033403632412 BEVERAGE EXPRESS MECHANICSBURG PA 36.36
11.30 55541884335004134795019 CITGO FOOD MART MECHANICSBURG PA 8.31
11130 05416014335080001738588 SUBWAY * 7670 016 MECHANICSBURG PA 5.93
FINANCE CHARGES PERIODIC RATE(S) AND APR($) MAY VARY
Daily Periodic Rate Corresponding Average Davy Balance Finance Charge Due Transaction FINANCE
Category 29 days In cycle APR To Periodic Rate Fee CHARGES
Purchases 00000% 0.00% $0.00 $0.00 $0.00 $0.00
Cash advances .05477% 1999% $0.00 $0.00 $0.00 $0.00
Balanu transfer 00000% 0.00% $0.00 50.00 $85.00 $85.00
Promotions 00000% 0.00% $2,896.55 $0.00 $0.00 $0.00
Total finance charges $55.00
Effective Annual Percentage Rate (APR): 22.28%
The Corrasponcri g APR is the rate of interest you pay when you carry a balance on purchases or cash advances
The Effective APR represents your total finance charges - includi g transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Bank One and Chase have merged. During the merger transition
you may receive communications from us under both the Bank
Ono and Chase brands. Both brands moan Chase Manhattan Bank
USA. N.A., which owns your account and issues your card. We
look forward to serving you and thank you for your business!
This Statement is a Facsimile - Not an original ???
Page 77 of 77
Address Change Request
Ptease provide information below only it the address information on front l1 hm"llct.
Street Address: ---------.----
City: State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- ----
E-mail Address: ------------
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Oct 29 2007
Page 72 of 77
Statement for account number: 5401 68301007 7763 UL)eader?New Balance Payment Due Date Past Due Amount Minimum Payment I N-Dip ste
$3,866.31 01129105 $0.00 $77.110
Did you know you could
? Make Your sneak payable to Beek one. transfer balances f3nine7
Amount Enclosed $ New address are-mall? Print on beck. Chock d( out If you quaAfy by
going to www.bankonleBT.com.
540168301007776300007700003866311
CARDMEMBER SERVICE
PO BOX 15153 13710 SEX 2 405
WILMINGTON DE 19880.5153 ANDREW J KREIDER
3 PHEASANT CT
L„TILL.L,Id„L.II,.d.L.,,ILLL?.II, I,L..II„II.,I MECHANICSBURG PA 17055-4337
i:5000 L60281: 20930 L00777633e
Statement Date: 12105/04.01!04/05 CUSTOMER SERVICE
Veader?
) Payment Due Data: 01729/05 In U.S. 1-888.647.1279
&
Digests Minimum Payment Due' $7700 Espanol 1-888,446-3308
TDD 1-800.955.8060
Outside U.S. call collect
1.302-594.8200
MASTERCARD ACCOUNT SUMMARY Account Number. 5401!183010077783 ACCOUNT INOUIRIES
Previous Balance 53,905.83 Total Credit Line $4,000 P.D. BOX 15298
Payment Credits -$78.00 Available Credit $133 Wilmington, DE 19850.5298
Purchases, Cash, Debhs +$38.48 Cash Access Line $800 ppYMFJVT ADDRESS
New Balance $3 865.31 Available for Cash $133 P.O. Box 15153
Wilmington, DE 19886.5153
VISIT US AT:
www.cardmemberservices.com
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Nam or Transaction Description Credit Debt
12'03 05182534340033900937701 BEVERAGE EXPRESS MECHANICSBURG PA $98.48
12123 13583580&19951264770668 Payment Thank You Wilmington DE 78.00
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Daily Periodic Rate Correa din i Average Daily Balance Finance Charge Due Transaction FINANCE
CHARGES
Category 31 days in cycle APR Previous Cycle Current Cycle To Periodic Rate Fee
Purchases .00000% 000% $149.17 $379.31 $0.00 $0.00 $0.00
Cash advances .05477% 19.99% $0.00 $0.00 $0.00 $0.00 $0.00
Promotions 00000% 0.00% $0.00 $3.467.29 $0.00 $0.00 $0.00
Total finance charges $0.00
Effective Annual Percentage Rate (APR): 0.00%
The Corresponding APR is Me 1219 01 intwest you Pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total finance charges - including transaction teas
such as cash advance and balance transfer fees - expressed as a percornage.
IMPORTANT NEWS
Last chance m ensure you receive a Free Year End SummaryI
Just login COW at afirdmIN11119rs9rvices.com by 2/15!05 and
a copy will be sutomatinlly available online by 3/15/051
Ire that ample I Don't Delay!
Pay your taxes the fast and easy way. Just use your
card to pay for federal and state personal Income taxes
from 21'051hrough 4130105. Visit
www.of0cialpayrrurds.combankorw.isp or
call 1-1100-2PAY-TAX for details
Oct 29 2007
This Statement is a Facsimile - Not an original
X :,nmim nsavri?s 000 N 2 N D&DiID1 Pam i of 3 01721 MAMA 13710 W41014DO30 411371D01
Page 73 of 77
Address CWuV9 Request
Phase provide information below only if the address inlonnallon on front is inoonect.
Street Address: -- ------
City: --
State: --
LP: ----- --
Horne Phone: --- ---
Work Phone:
E-mail Address:
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Oct 29 2007
Page 74 of 77
Take advantage of this 4.99% fixed APR opportunity that lasts for the life of the loalF.
As a preferred cardholder you're entitled to significant privileges, including the low promotional
rate checks below. These checks come with a low promotional 4.99% fixed APR that lasts for the
life of the transferred balance.
Transfer Balances, Pay bills, Make a purchase, Get extra cash!
Use these checks to:
? Transfer balances from higher-APR accounts ? Make a special purchase
? Write yourself a check for some extra ? Pay for home improvements
spending money or a weekend getaway.
To begin saving right away, just put the checks below to work for you. You can write these
checks for any amount - up to the unused portion of your credit line - and take advantage of this
great 4.99% fixed APR for the life of the balance. See the enclosed insert for more details.
MKT1600S
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ANDREW J KREIDER 2853
3 PHEASANT CT
MECHANICSBURG PA 17055.4337 999
DATB 561551r441
PoyeMe through:
Fist USA Mnwgemem Semiue, IM., Cehe , OH 43015
209
M FA40 Sit;>Alt a
1:0441155 L 11: 43130 1,00777634#' 2653
This a.* is 11rrid fin all prop- aft- 0-'- 10115
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17055.4337
DATE
2654
999
361551:141
P.}abM through.
First USA Mamosm ilt Senims, Inc., Ddswan, OH 43010
209
1:044 i 155111: 43 130 1,00777634#' 2654
This cha* if nailfor all yNPPasa Alf- OS/M605
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17055.4337
DATr
PAY TOTI¢
fl: $
2655
999
5&1551 x441
1 HTS rN)CUht WCrJNTAINR AN ARTIF"-%I. WATKXM.%RR, ARSENr.F.OF THL4 FF.ATTIRF wn1. TNINGSTF. A (TOY
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Oct 29 2007
This DocmcxTcmT.i SANARmF=4LwATER1d"AmNcEoFT=nATLeEwaLvwrA7EACOPY
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Page 68 of 77
Statement for axount number: soot BBSO 1007 nos UL)ea-der?
New Balance Payment Due Data Past Due Amount Minimum Payment 1g.,CSte
$3,789.31 03!01 P05 $0.00 $75.00 Did you know you could
( - Make your check payable to Bank One. transfer balances online?
Amount Enclosed I8 I New adckess or a-main Pdnl on heck. Check out If you gtalily by
going to www.bankor*BT.com.
540168301007776300007500003789319
14287 Z 0350
CARDMEMBER SERVICE A
ND? REW J KR EIDER
PO BOX 15153 AND
WILMINGTON DE 19886-5153 3 PHEASANT CT
MECHANICSBURG PA 17055-4337
1...I ILLJ..LL.L.IL..I.L. ALLI...11..i.1...11..16.1
45000160281: 20930 L00777633m,
Statement Date: 01/05/05.02/44105 CUSTOMER SERVICE
a
ders Payment Due Date. 03r01 *5 In U.S. 1.888.647.1279
K`'`
`
nIgCSC
1 t Minimum Due: $7500 Espaffol 1.888.446.3306
TDD 1.800.955-8060
Outside U.S. cap collect
1-302-594-82W
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 683010077763 ACCOUNT INOUIRIES
Previous Balance $3,866.31
0 Total Credit Une
ilable Credp
A 84,000 P.O. Box 15295
$210 Wilmington, DE 19850-5299
Payment; Credits -$77.0 va
Cash Access Line 6800
New Balance 31
Avnldalnk fir Cash PAYMENT ADDRESS
$210
P.O. Box 15153
WNmkrgton, DE 19885-5153
VISIT US AT.
www.cardmen*orsorvkos.com
TRANSACTIONS
Amount
Trans
Date Reference Number Merchant Name or Transaction Descrofion Credit Debp
01%19 10190190408676216131127 Payment Thank You Wilmington DE $77.00
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due
To POW & Rate Transaction
Fee FINANCE
CHARGES
Category 31 days in cycle APR
Purchases 00000% 000% $37772
00
$0 $0.00
00
80 $0.00
$0.00 80.00
$0.00
Cash advances .05477%
Balance transfer 00000% .
19.99%
000% $3:42P-00 .
$0.00 $0.00 $0.00
Total finance charges $0.00
Efhedvs Annual Paresntage Rats (APR): 0.00%
The Corresponding APR is the rate of Interest you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percerdage.
IMPORTANT NEWS
BANK ONE AND CHASE HAVE MERGED. DURING THE MERGER TRANSITION
YOU MAY RECEIVE COMMUNICATIONS FROM US UNDER BOTH THE BANK
ONE AND CHASE BRANDS. PLEASE CONTINUE 70 BANK JUST AS YOU
DO TODAY, WHERE YOU DO TODAY. THANKYOU FOR YOUR CONTINUED
BUSINESS AND WELCOME TO CHASEI
Pay your taxes the fast and easy way. Just use your
card to pay for federal and state personal Income taxes
from V11051hrough 4131]105 Visit
www.officialpsynents.conrbankae.jsP or
cap 1-fW0-2PAY-TAX for details.
Oct 29 2007
This Statement is a Facsimile - Not an original
Page 69 of 77
Address Change Request
Please provide information below only if the address inlionnalion on front is lr momi ct.
Street Address: -
Oily.-
--
State:
zip, --
Homo Phone: --
Work Plane: --
E-mail Address: --
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Oct 29 2007
Page 70 of 77
Take advantage of this 3.99% fixed APR opportunity that lasts for the life of the loanI
As a preferred cardholder you're entitled to significant privileges, including the low promotional
rate checks below. These checks come with a low promotional 3.99% fixed APR that lasts for the
life of the transferred balance.
Transfer Balances, Pay bills, Make a purchase, Get extra cash!
Use these checks to:
? Transfer balances from higher-APR acc wLs ? Make a special purchase
? Write yourself a check for some extra ? Pay for home improvements
spending money or a weekend getaway.
To begin saving right away, just put the checks below to work for you. You can write these
checks for any amount - up to the unused portion of your credit line - and take advantage of this
great 3.99% fixed APR for the life of the balance. See the enclosed insert for more details.
MK ONO
Mir ckeA is lurid far all purpeses after 04114 Y005
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3 PHEASANT CT
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DATB
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TFmDMITEMCCKlTAWSANAR71F)OWWATERMARr ABSENCE OFTHLSFEAMWR'a.LINDICATE ACOPY
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1 HIS DCN.30fWCCWAWSANA101MIAL RAML'A R ABSENCE OF THIS FEATURERILL DIDM.ATE A COPY
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ANDREW J KREIDER
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Payable th-ah:
Fist USA Management Saniae. Inc., Delarata. OH 43015
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Oct 29 2007
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Page 71 of 77
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Page 64 of 77
Statement for account number: 5401 G&W 1007 7763 Veader$
New Balance Payment Due Date Past Due Amount Minimum Payment UJL\-Digcst*
$3.872.28 03(29/05 $0.00 $77.00
Make Yom check payable to Chao Card SerVID06.
Amount Enclosed $ New address or e-mail? Print on back.
540168301007776300007700003872288
CARDMEMBER SERVICE o7aU BEx zOWN
PO BOX 15153 ANDREW J KREIDER
WILMINGTON DE 19886.5153 3 PHEASANT CT
MECHANICSBURG PA 17055-4337
I.,,III,1„I,.I,Ie,le,ll,.,I,I„e,11.1,I.eell„I,1.,.11ee1I.,1
1: 5000 160 281: 209 30 100 7 7 7 6 3 3w
tatanwnt Date:
S
02/05105 - 03!04!05 CUSTOMER SERVICE
U
de6 Paynnent Due Date . 03129.05 In U.S. 1-888.647-1279
W
igCSCs Minimum Payment Due' $77.00 Espanol 1-888.446.3308
TDD 1-800.955-8060
Outside U.S. cal collect
1.302-594.8200
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 688010077763 ACCOUNT INOUIRIES
Previous Balance $3,789.31 Total Credit Line $4,000 P.O. Box 15296
Payment Credits .$75.00 Available Credit $127 Wknington, DE 19850.5298
Purchases, Cash, Debits +$157.97 Cash Access Line 3800 PAYMENT ADDRESS
Now Balance $387228 Available for Cash 4127 P.O. Box 15153
Wilmington, DE 19888-5153
VISIT US AT,.
ww chese.conitcredltc-ards
TRANSACTIONS
Trani Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
02!11 55541885043072017656202 GIANT FOOD STORES #S1 A MECHANICSBURG PA $31.10
0211 o51a2535o44oo4303289968 BEVERAGE EXPRESS MECHANICSBURG PA 32.52
02113 55541a650450720133646B8 GIANT FOOD STORES #S1A MECHANICSBURG PA 53.36
02!12 05182335045004504905111 BEVERAGE EXPRESS MECHANICSBURG PA 3039
02.15 10450460405453251752331 PAYMENT-THANK YOU 75.00
FINANCE CHARGES _ PERIODIC RATE(S) AND APR(S) MAY VARY
Daily Periodic Rate Corresponding Average Dairy Balance Finance Charge Due Transaction FINANCE
Category 28 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 000% $437.58 $0.00 $0.00 $0.00
Cash advances .05477% 1999% $0.00 $0.00 $0.00 $0.00
Balance transfer 00000% 000% $3,42200 $0.00 $0.00 $0.00
Total finance charges $0.00
Effective Annual Percentage Rata (APR): 0.00%
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total finance charges - includap transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
BANK ONE AND CHASE HAVE MERGED. DURING THE MERGER TRANSITION
YOU MAY RECEIVE COMMUNICATIONS FROM US UNDER BOTH THE BANK
ONE AND CHASE BRANDS. PLEASE CONTINUE TO BANK JUST AS YOU
DO TODAY, WHERE YOU DO TODAY. THANK YOU FOR YOUR CONTINUED
BUSINESS AND WELCOME TO CHASE!
No Strings, No Commitments and No Obilgatlon!
Get $1o of FREE Gas. No kidding.
Just Cal 1-800.391.3345 to listen to an offer.
Brought to you by National Union Fro Insurance Company,
of Pftburgh, PA Limit one per household.
Oct 29 2007
This Statement is a Facsimile - Not an original
- u 7 - tw ,W P.- I e f s 01721 MAMA 0
Page 65 of 77
Address Change Request
Pima provide information below only if the address information on front is incorrect
Street Address: ---------- --------
City: ------ ----
State: --
Zip. ----- ----
Home Phone: --- --- ----
Work Plane: --- --- ----
Email Address: ---------------------
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Oct 29 2007
Page 66 of 77
Take advantage of this 3.99% fixed APR opportunity that lasts for the life of the loaa!
As a preferred cardholder you're entitled to significant privileges, including the low promotional
rate checks below. These checks come with a low promotional 3.99% fixed APR that lasts for the
life of the transferred balance.
Transfer Balances, Pay bills, Make a purchase, Get extra cash!
Use thence checks to:
? Transfer balances from higher-APR accounts ? Make a special purchase
? Write yourself a check for some extra ? Pay for home improvements
spending money or a weekend getaway.
To begin saving right away, just put the checks below to work for you. You can write these
checks for any amount - up to the unused portion of your credit line - and take advantage of this
great 3.99% fixed APR for the life of the balance. See the enclosed insert for more details.
WITIO 9
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ANDREW J KREIDER 3169
3 PHEASANT CT
MECHANICSBURG PA 170554337 ggg
DATE 5615511431
Pay" Wough:
Fins USA Manp "nt Se 100 Inc.; C+Yran, ON 43015
209
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3 PHEASANT CT
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First USA Mampernent Services. Inc., Deb-.OH 43015
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Oct 29 2007
THISD=iho fc(nirAWSANARnFKMWATERVARRABSENCEOFTHL4FEATIEER'I.LDMiCATEAQ>IR
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Page 67 of 77
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Statement for aooount number: 5407 68301007 7763 UPe?Wers
Now Balance Payment Due Date Past Due Amount Minimum Payment nij?CSte
$3:795.28 D4129105 $O.DO $75.00
Make your check payable to Crave Card Services.
Amount Enclosed 1$ Now address or a-malR Print on back.
540168301007776300007500003795286
CARDMEMSER SERVICE 04302 SEX Z 09405
PO BOX 15153 ANDREW J KREIDER
WILMINGTON DE 19885-5153 3 PHEASANT CT
MECHANICSBURG PA 17055-4337
1:5000 L60281: 209301007776339'
Statement Data: 03MSW -04104105 CUSTOMER SERVICE
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Payment Due Date:
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Dlgeste Minimum Payment Due: $75.00 Espanol 1-BBS-448.3308
TDD 1.800.95548060
Outside U.S. will collect
1.302.594-8200
MASTERCARD ACCOUNT SUMMARY Amount Number. 5401683810077783 ACCOUNT INOUIRIES
Previous Balance $3,872.28 Total Credit! Une $4,000 P.O. Box 15298
Payment; Credits •$77.00 Available Credff $204 Wilmington, DE 198505298
795.28 Cash Access Line
New Balance 53 $800 ppYNFJ4T ADDRESS
,
Available for Cash $204 P.O. Box 15153
WlknkVton, DE 19886.5153
VISIT US AT:
www.chese.comicred li ards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
OW16 10750750412138274362350 PAYMENT • THANK YOU $77.00
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Dally Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
GES
Category 31 days In cycle APR To Parbdc Rate Fee CHAR
Purchases .00000% 000% $400.60 $0.00 $0.00 $0.00
Cash advances 0547714 19.99% $0.00 $0.00 $0.00 $0.00
Balance transfer 00000% 0 OD% $3;422.00 WOO $0.00 $0.00
Total finance charges $0.00
Effective Annual Percentage Rate (APR): In%
The Corresponding APR is the rate of interest you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total fxwrwro charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Did you know you could transfer balances onina7
Check out it you quardy by going to
www. chase,comtbalance trans le r.
Oct 29 2007
This Statement is a Facsimile - Not an original
y nn?n?m ncr? R a 000 N 2 04 05;94:AM Pa041 o13 01721 MAMA 04382 09410000,130000438201
Page 61 of 77
Address Change Request
Please provide information below orgy if the address information on front is Mcorrect.
Street Address: ---------------------
City: ---
State: --
Zip: ---
Horne Phone: ---
Work Plane:
E-mail Address:
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Page 62 of 77
Take advantage of this 3.99% fixed APR opportunity that lasts for the life of the loan!
As a preferred cardholder you're entitled to significant privileges, including the low promotional
rate checks below. These checks come with a low promotional 3.99% f ixed APR that lasts for the
life of the transferred balance.
Transfer Balances, Pay bills, Make a purchase, Get extra cash!
Use these checks to:
? Transfer balances from higher-APR accounts ? Make a special purchase
? Write yourself a check for some extra ? Pay for home improvements
spending money or a weekend getaway.
To begin saving right away, just put the checks below to work for you. You can write these
checks for any amount - up to the unused portion of your credit line - and take advantage of this
great 3.99% fixed APR for the life of the balance. See the enclosed insert for more details.
MM111109
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ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 170554337 goo
DATR 561351441
Payable th-ph.
Fiat USA RLropaman gan.cas, Inc.; Dale Wan. OH 43015
Im
SIU"ATIHE
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Oct 29 2007
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ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 170554337
DA'z
3427
999
5615511441
Payable through:
Fist USA Manapam MSaaimes. Inc., Dalewan, ON 43616
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3 PHEASANT CT
MECHANICSBURG PA 17055.4337
DATE.
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561551!441
Payable through:
First USA Manapament Services. inc., Dek-.OH 43015
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THIS DOQOENTCCNTAINSAN AR721MAL RATMXAM ABSENCE OF THIS FEATME N'BL VIL] AM w-
'1 HIS DOC %SMCWrAWS AN A0.71FICUL R°ATERbAR$ ABSENCE OF THIS FLAli]RE WHX 21MATS Aw I
'IHj.S OF7f11h1ENrCFMTAMSAN AR7W.I:V.R'ATF.RNARK. ARMWI,. (if THM FF. AMIR F'RJ. RmcAT>•. A(.arvr
Page 63 of 77
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Oct 29 2007
Page 58 of 77
Statement for account number. 5401 68301007 7783 Ul?eader?New Balance Payment Due Date Past Due Amount Minimum Payment n1 ,eSG
$3,917.83 05,29/D5 $0.00 $78.00
Make d check Payable to Cubic Card SWIM.
Amount Enclosed S New address ore-mall? ll? Pr Print on back.
540168301007776300007800003917836
CARDMEMBER SERVICE IDe90 sex z 12405 C
PO BOX 15153 ANDREW J KREIDER
WILMINGTON DE 19088-5153 9 PHEASANT CT
MECHANICSBURG PA 17055-4337
L,nl.lob..LI„L.IL.?I?Inull.I.iurll„LIu.II„Ilul
1:5000 L60 281: 209 30 L00777633no
Statement Date: 04105/05.05..1"M CUSTOMER SERVICE
Vea&6 Payment Due Data: 0519!05 In U.S. 1-888.547-1279
Dige$G Mirlinwm Payment Due $7800 Espalfol 1-4188.446.3308
TDD 1-800.955-8060
Outside U.S. cal collect
1.302.594-8200
MASTERCARD ACCOUNT SUMMARY Account Number- 15401 683101IM?TM ACCOUNT INOUIRIES
Previous Balance $3,795.28 Total Crecilt Line $4,000 P-O. Box 15298
Payment, Credits -$75.00 Available Credit $82 Wilmington, DE 19850.5298
Purchases, Cash, Debits +$197.55 Cash Access Line $900 PAYMENT ADDRESS
New Balance $3 917.83 Available for Cash P.O. Box 15153
Wilmington, DE 19888-5153
VISIT US AT.
www.elaae. comicredltcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debt
04107 55541865098072013691298 GIANT FOOD STORES #S1A MECHANICSBURG PA $33.00
D4107 05182535098OD9804009403 BEVERAGE EXPRESS MECHANICSBURG PA 30-99
D4l11 55541as51 D2072016426589 GIANT FOOD STORES 4SJ6 MECHANICSBURG PA 4036
0411 05182535102010203630724 BEVERAGE EXPRESS MECHANICSBURG PA 41.54
D4113 11031030411884246280284 PAYMENT-THANK YOU 75.00
04112 05486805103837000003827 EXXONMOBIL75 04546019 MECHANIC PA 22.00
D4!12 55548555103453932040189 TRIANGLE CAR WASH WEST MECHANICSBURG PA 29.66
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Daily Periodic, Rate Comaponding Average Daily Balance Rnarce Charge Due Transaction FINANCE
ES
CaWgory 30 days In cycle APR To Periodic Rate Fee CHARG
Purchases .00000% 0.00% $483.13 $0.00 $0.00 $0.00
Cash advances .05477% 19.99% $0.00 $0.00 $0.00 $0.00
Balance transfer .00000% 0.00% $3,422.00 $0.00 $0.00 $0.D0
Total finance charges
Effective Armwl Percentage Rate (APR): 0.00%
The Corresponding APR is the rate of interest you pay when YOU carry a balance on purchases or cash advances.
The Effective APR represents your total fiance charges -including transaction fees
such as cash advance and balance transfer fees . expromed as a percentage.
IMPORTANT NEWS
Did you know you could transfer balances online?
Check out 9 you qualify by going to
www. Chas •.coreMalance transfe r.
Oct 29 2007
This Statement is a Facsimile - Not an original
v ?,?• ?,???.,s 000 N z 04 05,M.S4 ftooio11 01721 MAMA 10999 124100MI30001099901
Page 59 of 77
Address Charge Request
Please provide information below only if the address information on front a incorrect
Street Address: ---------------------
City -----------------
State: --
ZiP• ----- ----
Homo Phone: --- --- ----
work Phone: --- --- ----
E-mail Address: - - - - - - - - - - --------
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alp 1ldaeraw Oatatad eleada7 damneaboakM Y i
aADMIM
Oct 29 2007
Page 56 of 77
Statement for account numl
New Balance Payment Due Date
$3:839.83 ?DO-29M
Amount Enclosed IS
)er. 5401 683010077763 Up ader?
Past Due Amount Minimum Payment UJL\.Digqst.
$OAO $76.00
Make your check payable to Ohm Card Services.
New address or e-mall? Print on back.
540168301007776300007600003839835
0396e6EXZ15506C f11 sill s 1111191111111181111 $111 1 llslrim 11111 rills 1113 1116
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 170554337 PO BOX 15153
WILMINGTON DE 198865153
1:5000 1,60 281: 209 30 1,007 776 3 30'
Statement Date: 05,'05105.08f04r05 CUSTOMER SERVICE
der?
e Payment Due Data: 06r29ro5 In U.S. 1-888.647.1279
a
DJ?
t . Minimum Payment Due' $76-00 Espanol 1-888-418.3308
TDD 1-800.955-SM
Outside U.S. call collect
1-302-594.8200
MASTERCARD ACCOUNT SUMMARY Account Number: 5401668010077766 ACCOUNT INOUIRIES
Previous Balance $3,917.63 Total Credit Una $4,D00 P.O. Box 15298
Payment, Credits -$78.00 Available Credit $160 Wilmington, DE 10850-5298
839.83
New Balance 53 Cash Access Una saw
PAYMENT ADDRESS
, ailable for Cash
Av $1
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT.
were chase corrVoreciticards,
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Crlldt Debt
D5113 11331330414470224720717 PAYMENT-THANK YOU $78.00
FINANCE CHARGES PERIODIC RATE (S) AND APR(S) MAY VARY
Daily Periodic Rats Corresponding Average Daily Balance D
Faienc=
a'
9 Transaction RNANCE
GES
Category 31 days In cycle APPRR 11
1
6
To Fee CHAR
Purchases 00000% 000% $437.95 $0.00 $0.00 $0.00
Cash advances 05477% 19.99% $0.00 $0.00 $0.00 $0.00
Balance transfer 00000% 0.00% $3;422.00 $0.00 $0.00 $0.00
Total Imeloe charges 50.00
Effeetlve Annual Parcentags Rate (APR): 0.00%
The Corresponding APR is ft rate of interest you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total linamce, charges - including transaction fees
such as cash advance and balance transfer tees - expressed es a percentage.
IMPORTANT NEWS
EnecM July 1. electronic payment (Epay) requn%
received prior to 4 PM Eastern Time on a business day will
post to your account tho same day. Epay roquesto recolved
after 4 PM or on a waekehd or federal holiday will post b
your account the next business day.
No commiLmwnts and no obligalonl
Get your $10 FREE gas vcuctwr. No kidding.
Just call 1-B00.505.9523 to listen to an otter.
Brought to you by National Union Fire Insurance Company.
of Pittsburgh, Pa. Umit one per household
Did you know you could transfer balances onlirw?
Check out if you quality by going to
www. chase.comrbalancetransfer.
Oct 29 2007
This Statement is a Facsimile - Not an original
- ------- - - nnn u I N ,+r T ;m Peo* 1 of l 01721 MAMA 03960 164100000300003968M
Page 57 of 77
Address Change Request
Plows provide information below arty it the address information on front is incorrect
Street Address: ----------------------
City: ----------
State: --
Zip: ----- ---
Home Phone: --- --- ----
work Phone: --- --- ----
E-mail Address: -----
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Oct 29 2007
Page 54 of 77
StatemenT for account numl
New Balance Payment Due Date
$3.763.83 ?0712?9105
Amount Enclosed IS
11, -
ter: 5401 ®6301007 7783 OkA VwderJ
Past Due Amount Minimum Payment AIR nlgcSte
$0.00 $75.00
-1 Make your check payable to Ohms Card Services.
J Now address or e-rnall? Print on hack.
540168301007776300007500003763830
07275BEXZ SM0 In11111lolls rlrinlrrllrr,IrlttrtlLLL.rIItrl,Lrtllrrll.r
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 15153
WILL41NGTON DE 198863153
11:5000160281: 20 9 30 100 7 7 7 6 3 3la
Statement Data: 0&'05'05-07104.105 CUSTOMER SERVICE
er's
I Payment Due Dale: 07!29!05 In U.S. 1-888.647.1279
t
ii
R% Mininwm Payment Due: $7500 Espanol 1-888.446.3308
g
. TDD 1-800.955.8050
Outside U.S. cal collect
1-302-594.8200
MASTERCARDACCOUNT SUMMARY Account Numbw-. so1 5630 1007 7783 ACCOUNT INOUIRIES
P.O. Box 15298
53,839.83
Previous Total Credit Line Wilmington, DE 19850.5298
Payment, Credits -578.D0
Credits Available Credit $236 5238
Cash Access Line 4800 PAYMENT ADDRESS
New Balance 53.783 83 Available for Cash 5235 P.O. Box 15153
Wilmington. DE 19886-5153
VISIT US AT:
www chase conycreditcards
TRANSACTIONS
Credit Debt
Trans Amount Date Reference Number Merchant Name or Transaction Description
0611 11621620422090232814113 PAYMENT-THANKYOU 575.00
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Daly Perbdb Sale Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rats Fee CHARGES
Purchases .00000% 0.00% $357.03 $0.00 $0.00 50.00
Cash advances .05477% 19.99% SD.00 $0.00 $0.00 $0.00
00
$0
Balance transfer .00000% 0.00% $3,422.00 $0.00 $0.00 .
Total/nsrce charges $0.00
EIfaCBye Annual Percentage Rats (APR): 0.00%
The Corresponding APR Is the rats of intereal you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Effective July 1, electronic payment (Epay) requests
r9ceived prior to 4 PM Eastern Time on a business day wig
post to your account the same day. Epay requests received
alter 4 PM or on a weekend or federal holiday wil post to
your account the next business day.
Did you know you could transfer balances online?
Check out if you qualify by going to
www. chass.com!balancetransler.
Oct 29 2007
This Statement Is a Facsimile - Not an original
nnn u I ru :w117.ftl Pena oft 01721 MAMA 07278 1e510040t M10727M
Page 55 of 77
Address Change Request
Please provide information below only if the address infortrtation on front is incorrect
Street Address: ---------------------
City: ----------
State: --
Zip* ----- ----
Horne Phone: --- --- ----
Work Plane: --- --- ----
E-null Address: -- -------_
L
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am Celuba ENdweuYdc we rune h feet b IMAnafdy meld yam *
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to On wpr.pbb Pay No Brea.
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stl ebiplyd to W the We atpd ha to NO ut Y pwtbo?whpe w ban t
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MARM
Oct 29 2007
Page 52 of 77 Oct 29 2007
Statement for account number. 5401 68301007 7763 ,]
New Balance Payment Due Date Pad Due Amount Minimum Payment der§
53,668.63 06/29M SD.DO $73.00 n1gcM
Make yow check oa 10 to (3t?e card Servbas.
Amount Enclosed $ Warr amren or e•meirr rkrt an DecK
540168301007776300007300003688830000006
110076 SEX Z 216060 Inrlllll.8l.8lrlulullu rills 1.8111111ur 11111/1.81 ll.8llul
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15153
WILMINGTON DE 19888-5153
f: 5000 L 60 2B1: 209 30 L00 7 7 7 6 3 3lla
Statement Dale: 07/05/05 - 0810905 CUSTOMER SERVICE
der?
UVeq Payment Due Date: 08/29106 In U.S. 1-888.647.1279
".-Digest s Minimum Payment Due $73.00 Espafiol 1-885446-3305
TOO 1-8004955.8080
Outside U.S. call collsot
1-302-5948200
MASTERCARD ACCOUNT SUMMARY Account Number. 5461 883010077763 ACCOUNT INIOUIRIES
Box 15298
Previous Balance $3,753.83 Total Credit Una $4," wid
Wilmington, DE 196545298
Payment, Credits -$75.00 Available Credit 5311
New Balance 5,6W 83 Cash Access Lir1e SOW PAYMENT ADDRESS
Avabble for Cash 5311 P.O. Bcoc 15153
Wilmington, DE 198865153
VISIT US AT:
wow.these.e W redlicards
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Name or Transaction Description Credit Debit
07/13 1194194o426281245323452 HANK YOU 5.00
FINANCE CHARGES
Deity Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.00% $285.18 $0.00 $0.00 $0.00
Cash advaroee .0547746 19.99% S0.00 $0.00 $0.00 $OAO
Balance transfer .00000°.6 0.00% $3,422.00 $0.00 $0.00 $0.00
Total finance charges
Effective Annual Percentage Rate (APR): 0.00%
Please see reverse side for balance cornputation method grace period, and other important information
The CorresporK" APR Is go rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
$0.00
This Statement is a Facsimile - Not an original
Page 53 of 77
Address Chanps Request
Please provide information below only if the address information on front is incormot.
Street Address. --------------------
City: - ---
State: --
ZIP:
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Pa a 50 of 77 Oct 29 2007
StatemenFlor account number: 5401 66301007 7753
New Balance Payment Due Date Past Due Amount Minimum Payment UVeqder?S3.6`15.83 09/29/05 SD.W $72.00 Dig0te
Amount Endowed Make your Chock payable to Chose Card Services.
Now address Of a-mas7 Print On beck
540168301007776300007200003615830000007
80, BOkzs47osc I.rrlllrlrrirrl.I.rl.rllrrrlrlrrrrllrlrlr.rllrrirlrrrll.rll..l
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17065.4337 PO BOX 15153
WILMINGTON DE 19886.5153
1:5000 L60281: 209 30 100 7 7 7 6 3 3112
T Stalarnent bete: 06/0505 - 08/01205 CUSTOMERS
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M
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Payment
Payment Due Date:
888-6
4
In U.S. 1-88B-547-1279
1
K
?
Digests Minimum Paymenl Due 572.OD Espanol 1.888-446.3308
TDD 1-800.955-8060
Outside U.S. Call Collect
1-302-591-6200
MASTERCARD ACCOUNT SUMMARY Amount Number. 54o1 em 1oD77763 ACCOUNT INOUIRIES
Bak
P.O. ism
Previous Balance $3,686.63 Total Credit Line gton. DE
$4,OOD Wilmk+
!>E 198545288
Wi
Payment, Credits -$73.00 Available Credit S384
New Below& 53,615.83 Cash Access Lime SWO PAYMENT ADDRESS
Available for Cash 5884 P.O. BCx 15153
Wilmington, DE 198865153
VISIT US AT:
www. Chase. COrnrbrsdif ca rds
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Name or Transaction Description Credit Debi
0B/17 12292290409875274981084 PAYMENT HANK YOU .00
FINANCE CHARGES
Daffy Periodic Rate Corresponding Average Dally Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.00% $222.08 $0.00 $0.00 $OAO
Cash advances 06477% 19.99% S0.W $0.00 $0.0D $0.00
Balance transfer 00000:4 O.W% $3,42200 $0.00 $0.00 $0.00
Total finance charges
Effective Annual Percentage Rate (APR): 0.00%
Please am reverse side for balance computation method, grace period, and other important information.
The Corresponding APR is the role of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
$0.00
This Statement Is a Facsimile - Not an original
- •1 f N -.111,. P.,,.1.1 .1-1 Y
Page 51 of 77
Address Charge Request
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Street Addrtmy
City: ----
Slate: --
Zp: -----
Home Phone: --- --
Work Phone:
E-mat Addrose: ----•
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1607low
Oct 29 2007
Page 48 of 77
Statement for account numl
New Balance Payment Due Date
53,643.83 1 orlwo5
Amount Enclosed I$
ter. 5401 5B
Amm?t07 7765 Minimum Payment Past et Due e Amount UPt-,qder?
SO.00 $70.00 Digest.
Make your check payable b Chore Card services.
NOW address or e-mal7 Print an badn
540168301007776300007000003543830000009
21 BOCZ27705c luBill rlbell lirlrBill lln11111 lrlriur1111 1 111rn11111111
ANDREW J KREIDER
MECH? NT CT G PA 17055-4337 CARER SERVICE
PO BOX 15153
WILMINGTON DE 198863163
1:5000 1B 602BI: 209 30 100 7 7 7 6 3 31"
Statement Dab: 0905W - 1=4105 CUSTOMER SERVICE
er?
6
M Poyment Due Date: IVAVW In U.S. 1-888.647.1279
R
IN Payment Due $70.00 Epaficl 1688-4469908
gtSt., TDD 1-800.955-6060
outside U.S. tae collect
1-302-594-6200
MASTERCARD ACCOUNT SUMMARY Account Number. 5461669910077763 ACCOUNT INOUIRIES
Boa 16298
Previous Balance 53,615.89 Total Credit Line $4,OW Wili
Y?ikrrYlgtan, D t7E
[9850 5289
Payment, Credits •$72.00 Available Credit 5458
New Balance §3,643.83 Cash Access Line S80D PAYMENT ADDRESS
Available for Cash 5456 P.O. Bea 15153
Wilmington, DE 16086-5153
VISIT US AT:
??or??rds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
09114 12572670408467258123599 PAYMENT -THANK YOU _ 572.0D
FINANCE CHARGES
Dally Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases OODOO%6
Cash advartces .06477°,6
Balance transfer .00000%
Total finance charges
0.00% $143.43 $D.D0 $0.D0 $0.00
19.99% S0.00 $0.00 $0.00 $100
0.00% $3,422.00 $0.00 $0.00 $0.00
$0.00
Effective Annual Percentage Rate (APR): 0.00%
Please see reverse side for balance computation method grace period, and other irrporlent information.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your [Dial finance charges - including transaction fella
such as cash advance and balance transfer fees - expressed as a percentage.
Oct 29 2007
This Statement is a Facsimile - Not an original
7 on. Creme r...1 or 1 01721 MAMA 27M 27 710 0 00 03DOOZ79MI
Page 49 of 77
Address Change Request
Please provide information bellow only 9 the address information on front is inoorrect.
Sheet Address: --
City: --
State: --
ZIp: --
Morrie Phone: --
Work Phone --
E-mal Address: --
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MAW 1006
Oct 29 2007
Page 46 of 77
Statement for account number. 5401 683o 1007 7753
New Balance Payment Due Dab Past Due Amount Minimum Payment
S3.96706 11/29105 SO.0D $79.00
Make your check pp?pl? to Chan Card Selvkm.
Amount Enclosed Now address or a-rrmalt7 Prkn on oacit
URCW'er?
Enrol me in the optiwml
Payment Protector Plan.
I tmderstand the anotosed
offer and may cancel any time.
Initials
540168301007776300007900003957065098077
el20a eFX Z 00e06 0
ANDREW J KREIDER
9 PHEASANT CT
MECHANICSBURG PA 17055-4337
11111111 11111 oil II 11111rllllri llrr l r loll IIIIIIIII
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-6153
1: 5000 1, 60 281: 209 30 1.00 7 7 7 6 3 3110
T Statement Dam: 1dOSr05. 11/0410.5 CUSTOMER SERVICE
???
ea Payment Due Date: 11/29/05 In U.S. 1.886.647.1279
7`?
LJtgeSte
l Minimum Payment Due' $79.013 Fopaflol 1-886-446.3308
TDD 1-804855.8080
Outside U.S. call oolled
1.302-5944200
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 653010077763 ACCOUNTINOUIRIES
P.O. BOX 16298
Previous Balance $3,543-83 Total Credit Una $4.OOD Wilmington. DE 198545298
Payment, Credits -$70.00 Avslable Credit $42
Purchases, Cash, Debits +5483.23 Cash Access Line SSOD PAYMENT ADDRESS
New Balance 53,957.08 Avalnbleter Cash $et P.O. Box 15153
Wilmington, DE 19886.5153
VISITU:
www. orn/craditcerda
TRANSACTIONS
Trans Amount
Date Reference Number Merchart Name or Transaction Description Credit Debit
10/12 65541865286072011886391 GIANT tSJ6 M N U A 11.83
10x13 55641865287072012842364 GIANT FOOD STORES sSJS MECHANICSBURG PA 38.04
10112 0548650528BW7000DO5050 EMONMOBIL75 04646019 MECHANIC PA 57.63
10112 061a2536286020604253%6 BEVERAGE EXPRESS MECHAMOSSURG PA 30.99
10114 55541665286072017271867 GIANT FOOD STORES *S1 A MECHAhICSBURG PA 19.46
10(17 129029M I 05622DO213196 PAYMENT - THANK YOU 70.00
10415 65641866289072018300966 GIANT FOOD STORES #S1A MECWWICSBURG PA 50.89
10'15 051 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
1012D 05486806294837000006775 EXXONMOBIL75 04646019 MECHANIC PA 66.12
10/21 66641666296072018462496 GIANT FOOD STORES #SJ6 MECf ANICSBURG PA 18.68
1420 0518259529402940445390E BEVERAGE EXPRESS MECHANICSBURG PA 26.75
10(21 051a2536MQ29WW17307 BEVERAGE EXPRESS MECHANICSBURG PA 26.75
10123 66541866297072012653423 GIANT FOOD STORES #rSJ6 MECHANICSBURG PA 31.34
10/21 D54868OS2055370D00094W EXXONMOBIL75 D4546Q19 MECHANIC PA 33.00
10/26 05486BD63DO8370OW01764 EXXOWDBIL75 04646019 MECHANIC PA 63-66
FINANCE CHARGES
Daly Perbdc Rabe Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category $1 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.00% $363 49 $0.00 $0.00 50.00
Cash advances 0547756 19.99% SO OD 50.00 $0.00 WOO
Balance transfer 00DDD% 0.00% $3,42200 $0.00 50.00 $0.00
Total finance charges
Effective Annual Percentage Rob (APR): 0.00%
Please see reverse side for balance computation method, grace period, and other important Information.
The Corresporxikg APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - includkg transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
MOD
Oct 29 2007
This Statement is a Facsimile - Not an original
000 u 7 m 06.'1 vet P...1 w 1 01721 W
Page 47 of 77
Address Charge Request
Please provide information below orgy 9 the address information on front is inoorrect.
Street Address' ---------------------
City: -----------------
State: --
Zip: ----- ----
Fame Phone: --- -- ----
Work Phone --- --- ----
E-mail Address: --_-----------?-----
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MAOTIOW
-1
Oct 29 2007
Page 44 of 77
Statement for eccouni number: 5401 ISM 10D7 7763 UL)eader? Now Balance Payment Due Date Past Due Amount kilnirnum Payment S3,903.72 12/29xW SD.OD $76.00 1 \-Digest.
Enclosed Noksyour ??k payable to on Chase back. GM Services.
Amount !!ra1_n ?sPmb bar Plaint
$ New aoorsas «a mairt Print on base. I underafan l the enclosed
otter and may cancel any time.
Inillals Date
54016830100777630000780D003903725116569
SIC"M Z33W5C Irr rlllrlrrlrrlrlrrlr rllrrrlrlrrrrll.Irlrallrrlrlrrr llrrllr.l
ANDREW J KREIDER
3 PHEASANT CT CARDME BER SERVICE
MECHANICSBURG PA 170554337 PO BOX 15153
WILMINGTON DE 19886.5153
1:5000160281: 20930 LOO77763311,
Stabment Deb: 71/05/05 - 1212
CUSTOMER S
Payment Due Date: N
54
12/29/OS 05 In U.S. 1-858.886.647.1279
Dlgest< Minimum Payment Due: $78.00 Eepenol 1.888 448.3308
TOD 1-800.955-6060
Outside U.S. ad collect
1-902-5944=0
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 663010077763 ACCOUNT INGUIRIES
Previous Balance $3,957.06 Total Credit Line
DE
11152116
$4,OW P.O. Boll n
19850 5296
Payment, Credits -$79.00 Available Credit .
$96
Finance Charges +$25.68 Cash Access Lithe 5800 PAYMENT ADDRESS
New Balance 53,903.72 Available for Cash we P.O. Sax 15183
Wfkruglon. DE 1960.5153
VISIT US AT.
www.c hase.o«Noredircards
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Name or Transaction Description Credit Dabk
11111 13153150414905112214895 PAYMOT -THANK O .00
FINANCE CHARGES
Daly Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .021899/6 7.99% $473.40 $3.11 $0.00 $3.11
Cash advances .05477/. 19.99% S0.00 $0.W $0.00 $0.00
Balance transfer .02189/6 7.99% $3.432.89 S22.66 5100 $22.65
Total finance charges $25.66
Effective Annual Peresntsgs Refs (APR): 7.99%
Please see reverse side for balance computation method grace period, and other important information
The Corresponding APR Is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
To help you reduce your balance more quickly, your minimum
payment Is Increased with No statement. This ensures that
your principal bafarloe Is mWoed by at least 1%each naAlll.
If you pay more than the M69mum Payment, We change may
not affect you. Please we the enclosure for detats.
Oct 29 2007
This Statement is a Facsimile - Not an original
x 0000002 FIS33336 C 3 000 N Z W 06:'12,04 Paga 1 01 1 01721 MAW 31977 33610000030003167701
Page 45 of 77
Address Change Request
Phase provide information below only If On address information on front is inwrteot.
Street Address: --------------------
City: ---------------
Slate: --
Zip: ----- ----
Horns Phone: --- --- ----
Work Phone --- --- ----
E-mail Address: --------------------
L
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Pa a' of 77
Statemenflor account number: 5401 66301007 T763tlel'?
Now Balance Payment Due Date Past Due Amount Minimum Payment S3,862.D5 01/29= SD.00 $77.OD 19Mts
(? Make yaw cheek ppatyyable t0 Chase Cant services. FFnrati me in the optional
Amount Enclosed ' $ New aacrase or e•md7 RMt an beck I t rawaltatand t enclos
?7J offer and may cancel any time.
Willels Date
540168301007776300007700003852055134688
318358DCZ405C I.r111it III 1..I.luI..IL.Niels 11.11.1.6.111.11AM 11..11..
ANDREW J KREIDER
3 PHEASANT CT CARDMEbBER SERVICE
MECHANICSBURG PA 17065-4337 PO BOX 15153
WILMINGTON DE 19W&6163
1: 5000 160 281: 209 30 100 7 7 7 6 3 311'
T Staismant Dab: 12/05/05 - 01/04!08 CUSTOMER SERVICE
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? Payment Due Dale: 01129/06 to U.S. 1-688.647-1279
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Outside U.S. call collect
1-302-694-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 6401 UN 1007 TM ACCOUNTNOUIRIES
Bran 15298
Previous Balance $3,903.72 Total Credit Line $4 ODD Wili
7' DIE 198545288
Payment, Credits -$78.10 Available Credit 514
Finance Charges +526.33 Cash Access Line SSW PAYMENT ADDRESS
New Balance Sq,852p5 Available for Cash • 5147 P.O. Bmt 16133
Wilmington. DE 18888.5153
VISIT US AT.
www chase.corrdcral9tcerds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credt Debit
12121 136535110409321211682312 PAYMENT THANK O $78.0D
FINANCE CHARGES
Daily Periodic Rate Conesponding Average Deily Balance Rnance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .02189% 7.99% $433.10 $2.96 SD.DD $2.96
Cash advances .05477% 19.99% SO.DD $0.00 $10 $0.00
Balance transfer .0218956 7.99% $3,444.94 S23.38 $0.00 $23.38
Total finance charges $26.33
Effective Annual Percentage Rate (APR): 7.98%
Please see reverse side for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges, - including transaction lees
such as cash advance and balance transfer fees - expressed as a percentage.
Oct 29 2007
This Statement is a Facsimile - Not an original
v ?mr•m cikaaa?c nA 000 N Z 04 0601N? Pagel 011 01721 IAA MA 31896 W410 0 0 0=0 031e3501
Page 43 of 77
Address Change Request
Please provide information below only if ft address information on Iront is incorrect.
Street Address: ---------------------
city: -----------------
state: --
Zlp: ----- ----
Home Phone: --- -- ----
Work Phone --- -- ----
Email Address: ---------------------
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Oct 29 2007
Page 40 of 77
Statement for eccounl number: 5401 SB301007 7753
New Balance Payment Due Date Past Due Amount Minimum Payment
53.600.98 03/01/06 50.00 $76.00
Chao Card
back. Ssrvkes.
Amount Enclosed Q auor=%s =b*PrMloann
540168301007776300007600003800985150226
UVader
DiPSte
EEnroll me in the opional
ayment Prolector Plan.
I urlderatand the enclosed
offer and may cancel any time.
m
7tus76EXzOWNc IrrrIIlrllrlrrLlrrLrlLrrldrrrrl6LlrrrlL,l,Lrrllrrll.rl
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17065-4337 PO BOX 15159
WILMINGTON DE 198866163
,: 5000 160 281: 209 30 100 7 7 7 6 3 3,t'
der? ShabmentDalle_ 07106708-07/0006 CUSTOMER SERVICE
Peymenl Due Date: 03/01/06 In U.S. 1.886.647.1279
Uj? Dlgeste Minimum Payment Due. $76.00 Eepaflol 1-665.446-9308
TDD 1-wo-955-8060
Outside U.S. cal collect
1-902-591-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66981007 TM ACCOUNT INOUIRIES
Previous Balance 53,852.0 Total Om& line $4,00D W
P.O. 16298
ilr Box . DE 388505298
Wilmwrg ton DE
Payment, Credits -$n.00 Available Credit S199
Finenoe, Charges +525-93 Cash Access Line 5800 PAYMENTADDRESS
New Balance 53,600,98 Available for Cash S199 P.O. Bar 15153
Wilmington, DE 198683153
VISIT US AT:
www. chase. oom/credi lca rds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name orTainsadion Description Credit Debit
01118 101801804002515298090066 PAYMENT -THANK YOU $T7.0D
FINANCE CHARGES
Daly Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .02189°I6 7.99% $376.81 $256 $100 $2.66
Cash advances .05477% 19.99% S0.W $0.00 $0.00 $0.00
Balance transfer .0218956 7.99% $3,443.10 S23.37 $0.00 $23.37
Total finance charges $25.93
Effective Annual Percentage Rate (APR): 7.99%
Please see reverse side for balance computation method grace period, and other i riportant information
The Corresponft APR Is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Pay your taxes the fast and easy way. Just use your
card to pay for fades! and atab personal income taxes
from WIM through 4MOS. Visit
www.oficialpayments.com/chaae or
call 11-600-2PAY-TAX for details.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000004 F1333335 C 3 000 N L D4 06,ffi,04 P.O. 1 of 1 01 721 MA MA 79667 034100000000079Be7D1
Page 41 of 77
Address Change Request
Please provide information below only 9 to address information on front is inc erred.
Street Address: ---------------------
City: -----------------
Slate: --
Zip: ----- ----
Horne Phone: --- --- ----
Work Phone --- --- ----
E-rllail Address:
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Page 38 of 77
Statement for account number: 54016830 10D7 7763
Now Balance Payment Due Date Pad Due Amount Minimum Payment
53,747.99 0&2ww $0.00 $74.00
Make your check payap?e to Chase Card Services.
Amount Enclosed 1$ I Near amrwe w a•rnaVt Print on back
540168301007776300007400003747995169399
ice„ D%rM
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Enrdl me in &a opI
Payment Pfoleolor
I underetand the enoloseil
offer end may cerncel any time
m
ea122mzwsmc 1.111111l..lr.l.11.111111111111111111111111111.1rlr.lll.11119
ANDREW J KREIDER
9 PHEASANT CT CARDMEMBER SERVICE
MECHAMCSBURG PA 17065.4337 PO BOX 15153
WILMINGTON DE 19886-6163
1:5000 L60281: 209 30 100 7?7633110
Statement Data: 02/05/06-0:1D" CUSTOMER SERVICE
er?s
3ea
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er Payment Due Date: ow2ww in U.S. 1.866-647.1279
?
7-
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1 1? Minimum Payment Due. $74.00 EepaW 1-868.446-3?
TDD 1-60D-955-8060
Outside U.S. cal collect
1-902-694-8200
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 SM 1007 7763 ACCOUNT INOUIRIES
P.O. BOX Ism
Previous Balance $3,800.96 Total Credit Una $4,ODD Wilninglrgton. DE
WiO 198545286
DE
Payment, Credits 476.00 Available Credit 5252
Finance Charges +$29.01 Cash Access Uns SBOD PAYMENTADDRESS
New Balance $3,747.99 Available for Cash 5252 P.O. B= 15153
Wilmington. DE 19666.5153
VISIT US AT
laws chase I:aNcredberds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Deacdpton Credit Debt
02111 10420420407722188462633 PAYMMr HANK YOU $76.00
FINANCE CHARGES
Doty Periodic Rate Conesponding Average Daily Balance Flnanoe Charge Due Transaction FINANCE
Category 28 days in cycle APR To Periodo Rafe Fee CHARGES
Purchases .02189% 7.99% $316.21 $1.94 $0.0D $194
Cash advances .05477°•6 19.99% SO.W W.W $0.00 $0.00
Balance transfer .02189°.6 7.99% $3.457.14 S21.D7 $0.00 $21.07
Total finance charges
$28.01
Effective Annual Percentage Rate (APR), 7.99%
Please we Information About Your Account section for balance compubrtion method, grace period, and other important information.
The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Ellective APR represents your total finance charges • including transaction fees
such as cash advance and balance transfer rasa - expressed as a percentage.
Oct 29 2007
This Statement is a Facsimile - Not an original
x DOD0001 FIS33336 C 3 OW N Z 04 0&0&N4 Pay! t of 1 01721 MAMA 85122 06210D0003DOMS122DI
Page 39 of 77
Address Change Request
Please provide information below only 0 the address information on Iront is incorrect.
Street Address: --------------------
City:
State: --
Zip: ----- ---
Home Phone: --- --- ----
Work Phone --- --- ----
Email Address: ----------------------------
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Oct 29 2007
MA0118M '
Page 36 of 77
Statement for acxount number: 54016830 1007 T763
New Balance Payment Due Dab Past Due Amount Minimum Payment Veader§
S3,B40.47 04/29/06 50.00 $76.00 UIVDigest.
MYre your check payable to Chose Card Swim. Enrd me in the optional
er Plan.
Arnolml Enclosed New aooresa ors-mab7 Prktl on back Payment Protwidr
I understand the enclosed
offer and may cancel any time.
Initial*
540168301007776300007600003840475192574
27204 SEX Z 004M C III If 111111141111111111111 Ad 11/111/111 Is of 11161 11111 Ifni 11911
ANDREW J KREIDER
51 Ss SERVICE
MECHHAANCSBURG PA 17055-4337 CARDMEMBER
PO BOX 15153
WILMINGTON DE 19686.5153
1:5000 L60281: 209 30 1,00 7 7 76 3 3iis
d
s Statement Dab: O"SW - 04104/06 CUSTOMER SERVICE
Poyment Cue Date:
Rea
er
ment Due
Minimum Pa In U.S. ,-686647-1279
$76
00
Digests
Dig y .
Espaficl 1-886-446.9908
TDD i-800-955-8060
Pay by phone t-800.496-7968
Outside U.S. cap collect
t 302-694-6200
MASTERCARD ACCOUNT SUMMARY Account Number. 540166 IWIFTM
ACCOU
INOUIAIES
Previous Balance $3,74799 Total Credit Una 15M
$4.000 Bca
Payment, Credits •574.00 Available Credit S159 Wilm n. DE
198545298
Purchases, Cash, Debits +S140.52 Cash Access Line SBOD
Finance Charges +$2656 Available for Cash S159 PAYMENT ADDRESS
New Balance S3,840.47 P.O. Box 15153
Varninpron, DE 19866-6153
VISIT US AT:
srarw. etlase.comfcredilcwrds
TRANSACTIONS
Trans Amount
Date Referenc* Number Merchant Name or Transaction Descripion Credit Debit
03/09 851 900011600029 BEVERAGE XEXPRESS M HANCSB G PA $90.99
D309 05486eDGM11137000006276 EXXONMOSIL76 04646019 MECHANIC PA 62.64
DW12 85182598072900012100164 BEVERAGE EXPRESS MECHANCSBRG PA 30.99
03112 05486806072697000007955 EXXONMOBIL75 045/6019 MECHANIC PA 26.D0
03/14 10730730408986205503473 PAYMENT - THANK YOU 74.00
FINANCE CHARGES
Daly Periodic Rate Corresponding Average Daly Balance Rnance Charge Due Transaction RNANCE
Category 31 days in cycle APR To Pedodio Rate Fee CHARGES
Purchases .02189°16 7.99% 5366.46 $262 $0M $2.62
Cash advances 05477% 19.99% S0.D0 $0.00 50.00 $100
Balance transfer 02169°/. 7 99% $3,43939 523.34 50.00 $23.34
Total finance charges
$25.96
Effective Annual Percentage Rata (APR): 7.99%
Please sea Information About Your Account section for balance computation method, grace period, and other Important Information,
The Corw porWing APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total lit once charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
My Wines Reserve provides an Inside look at wine from around
the world. Receive $10 o6 every order. free ahippng and
much more all forjust 59.99 per month. Cal 1-888-855.5762
to enroll and receive a wne sample pack. CPP NA offers
My Wines Reserve and is not affiliated with Chase.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIE33Kffi C 3 000 N Z 04 0&44104 Paga 1 or 1 01721 MA MA 27204 094100000.70002720401
Page 37 of 77
Address Change Request
Please provide information bellow only of the address information on front is incorrect.
Slreel Address: ---------------------
City: -----------------
State: --
ZP: ----- ----
Home Phone: --- --- ----
Work Phone. --- --- ----
E-mailAddrese: --------------------
7
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ays derby behaves lor
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zZo lu dap gdeM. N you vatby is livenpa daq haMSr far arhfWore by
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days in tin applicable b kp cyck(s). said No add el allies rook sapient, Nr kkl ail
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also egatlhespa Y Ihrnn asrp s ter The babas gds let s1Rle moor elm a aun
m Handy. Wr bnl pabffs Iona drupe la a b"am' I'M
prsdt M1lM appMe, mulipb tMevaape sadly basersela serh aby Me yprliab
mdbk rate and app 6s INYta fogetMr The Itch ws Met the plods life=
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Gros Pad W (MI Ios120 cop):
We acerw periodic finance do" wa Inv wfnM1 tea. a bar" chup from the data A
is added toyor WbbYr" sell pymd ewe full is received an move assume. flvoevac"
do not chair panodw Ibarse charpN on mm premehaws bNld dwxp a Niy yW 0.6
norm ism "ad Of You NN Babf" N row tIRNI sbhmsa by tin din ad 1mN
your pammM is due and also pyrW of yam Nw Baura on your prerbrs summed by
Oct 29 2007
Page 34 of 77
Statement for acclouni number: 5401 66301007 7763 New Balance Payment Due Data Pad Due Amount Minimum Payment uRewer?
S3,817.33 o5129106 S0.00 $91.00 1geSta
Make your check abte to Citric Cab Services. ,,nrol me in die optional
I t Protector Plsn.
Amount Enclosed New attaraca ar a-n1ek7 PrMt on pack. Paymen
underetend the erblosed
offer and may cancel any time.
initials
540168301007776300009100003817335205258
29M aDCZ 124060 11111111 lisle l4lnlniln rill rrul 11111 car 1111111111 Hall [oil
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15153
WILMINGTON DE 19886-57153
1: 5000 L60 287: 209 30 L00 7 7 76 3 air
Statement Date: 04105/06 - M" M CUSTOMER SERVICE
KGClde6 Payment Due Date:
P
M
D In U.S. 7.888-"7-1279
$91
00
1 ?.n1gC$ts ayment
ue
inimwn .
Espanol 1-888-446-3308
TOO 1-800-955-8060
Pay by phone 1.800.436-7956
Outside U.S. IN oo#ect
1-302-694-8200
MASTERCARD ACCOUNT SUMMA RY Account Number. 54t11 663010077763
ACCOUNT INOUIRIES
Previous Balance $3,840.47 Total Credt Una $4.000 P.O. Boa 15298
Payment, Cradle -$76.00 Available Credit S182 WUrv*Vton, DE 19850.5298
Finance Charges +$52.80 Cash Arx:ess Line 5800
Now Balance 53,617,38 Available for Cash S182 PAYMENT ADDRESS .
P.O. Box 15153
Wilmington, DE 1988&5153
VISIT US AT:
warw.clraae.cortYcredili aLds
Your minimum payment reflects 1 % of your statement balance, plus any past-dus and/or
over-limit amounts, billed interest due, and over-limit fees and/or late fees.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
04125 11151150404168124840515 PAYMENT - THANK YOU $76.00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchaess V 04587% 16.74% $36017 $5.24 $0.00 $5.24
Cash advances V .06506% 23.74% S0.00 $0.00 $0.00 $0.00
Balance transfer V .04557% 16.74% $3,460.55 547.52 $0.00 $47.62
Total finance charges $52.86
Effective Annual Percentage Rate (APR): 10.7496
Please ace Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer tees - expressed as a percentage.
IMPORTANT NEWS
Final and Orly Thank-You Notice before July 10, 2008.
As a valued Cardmember, ycuVa been Issued a Thank You up
to 5100. Clain your lavorites, each with a low fee of S2.95.
Log on for details and claim your Thant You up to $100
from Synap eeConnect. www.g&Ard100.omydCtwm. Code 24616
Love your Pet? Happy Paws, a club for cats, doge and birds,
provides discounts an Pet Supplies, Pat insurance and more!
Enroll now by eating 1-888.881-4409 and find out how you
can save $20.00 on your next pet care service. CPP North
America offers Happy Paws and is not affiliated with Chase.
As a valued cardmember, you are eligible to receive NgM
quality merchandree not available to the general public from
top brands such as Law%, Tonka, Disney and more! Just go
to www.mwardoerter.com and enter 161398 where K asks for
your certificate number.. Act now, quantities are fimlled.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 F15Ci338 C 3 000 N Z 04 06.9604 Page 1 of 1 01721 MA MA 29659 12,110000MODD2965801
Page 35 of 77
Address Change Request
Please provide information below only N the address information on front is inconvol.
StreetAdddrean: -------------------------
City: -----------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone --- --- ----
E-mail Address: ----------------------------
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of pwoloeaa for its antra biding . Ilea d. MYaa for prsvwn Mail
cycle eemchaas is tweidwad to be we for aaa 6y at t panda baba cycle i a
periodic lends dnp was mealy bad n pudwns Nwriho0 an yaw pwAOa
d w as nsbld prryrwe q year sew Batarce n yes antra saareaN b Ids
bleth. bch rib and Seas Yam panel we des.
To ad yaw term! pndb f rman dwpe for a Mama ayes when a ally pariodc nbls)
APPNIL r as IN r of the day Paris* firm On" tar IN features. To deamkw an
surge adNiry heheme, w add yes daily bW - sad Meade by the mrwrr w the dye b
the arWme, burg rydatq "you
the applicable dry periods min sal Ion mdtbb mph of Mrae readb by the -rib. of
days in the applicable hilkg cycle(s). and them add NO ad the rwA bather, h Iml nil
stn pal IM papaws 16enu eiaryN p IM baba qqa a®apt tar mbar wY9ars du
m mandea. o oil boor tail rrrbde I. perm tar a b ' ercb Near a mwhb
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do rag charge priodc liana eInqet M sea wMsNa bill amp a be no eyda l era
.ft bdn .-.W d taw New rW: an V. drslW aldbmal by the M nd Inn
yow perrmrq is classed arc pyaaw of faw Now.. Bek m an your wraps smoraM y
Oct 29 2007
MADI ISM
Pa$? 32 of 77
Statement for account number: 5401 68301007 7763 Now Balance Payment Due Dab Past Due Amount Minimum Payment UVealder§
53.781.30 0612WIX 50.00 $92.00 DigCSts
we your s check or appaeyyaWS nn Chins GM Services. € yyin? roll rd r lec of Plan l
Amount Enclosed Now address or e mslR Putr on beat I undemiand Ifroan
offer and may cancel any time.
Initials
540168301007776300009200003781305224097
so=BrxzINESa 6rr111rL1L1LLrLdllrrLlrrrJldrL.JL111LrJL11L.1
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 1515$
WILMINGTON DE 19886-5153
1:5000 L60281: 20930 L00777633fio
Statement Date: OSR15r06-Oftt06 CUSTOMER SERVICE
It aders Payment Due Date:
M
P
D t&29/06 In U.S. 1-688.647.1279
$92
00
Digests ayment
ue
inmum .
Fspafiol 1-888-446-SSDS
TDD 1-500-955-8080
Pay by phone 1-800.436.7968
Outside U.S. oak collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number. $01 6888 1007 7763
ACCOUNT 040UIRIES
Previous Balance $3,817.33 Total Credit Line $4 ODD
ISM
Payment Credits -$91.00 Available Credit DE 16850 5298
nkgWn
5218 Wilmington
Finance Charges +$54.97 Cash Access Una . .
5806
New Balance ,781.30 Available for Cash S218 PAYMENT ADDRESS
P.O. Box 15153
Wfimirglot, DE 19886.5153
VISIT US AT.
www.chase. con?credi tcai d s
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Name or Transaction Description Credit Debit
05/24 114414404D842219ffi81832 PAYMENT - THANK Y $91.00
FINANCE CHARGES
Daily Periodic Rata Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
CaMgory 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V .04655% 16.99% $3$831 $4.81 $0.00 $4.81
Cash advances V .0657$an 29.99% SO DO $O.OD $0.00 $0.00
Balance transfer V .04655% 16.99% $3,47547 550.16 $O.Do $50.16
Total finance charges $5497
Effective Annual Percentage Rate (APR): 16.1119%
Planes see Information About Your Account section for balance computation method, grace period, and other Important Information.
The Corresponding APR is the role of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - indudhg transaction fees
such as cash advance and balance transfer ices - expressed as a percentage.
IMPORTANT NEWS
For a limited lime, you're entitled to claim up b $100.00
worth of your favorite magazines. Respond now to receive
an a tim year of xleotiora processed by NewSub Services.
Call by August 10, 2006 far selections and automatic renewal
details. Ouantiies are irrited. Enjoyl 1.80x839.2820. SJS
As a valued canhember, you are eligible ID receive high-
quail mwohandae not avaliabla to the general public from
lop brands such as Lenox, Tonka, Disney and morel Just go
to www.rewardsoernter.com and enter 162701 where it asks for
your certificate number. Act now, quantities are limited.
Did you know you can use your credo card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-WOm297-4970
to create your PIN today.
Oct 29 2007
This Statement Is a Facsimile - Not an original
X 0000001 FIS33M C 3 OOD N Z 04 0&9604 Page 1 of 1 01721 MA MA 30029 10100000300e3DOMi
Page 33 of 77
Address Charge Request
Please provide information below orgy O Ore address information on froth is incorrect.
Street Address: --------------------.---
-
oily;
S IS: --
Zip: --
Home Phone. -
Work Phone: .-E-rfnil Address:
L
bsemmlda Alfred Now Armed ==41. I *M ados Thor s d -" period tar balance tnnslom
'Lost or Shirr Unit, Pleas spurt your but or inbn card i nwdeley by Nriq W tanwmwhs, r ordseh.it dvenaw
t.1re10aar Servfn Mrtow feud d the heal of yaw statement Advbat cow ahaNp In sdilim I now Is a'OwINyIA ?wwNlmkl ins W sWS em Ibis dWnrw,
available to asaid yon Your cart reach in Adv'sor by pressing Oder ya emw ywa acmaM you will d heir pedmd'e Sa drfame an erg Rawinig rtkew eel app ew is the
murder. wdN a yam pay [bit hbrhq in INS by tlfe ppfobb 6rosdim Wh To trod Arenas
to" N papwb• For wk by r r U S. Nil, sere d bed your inherent her9d-en, tsw prthaed n1M11 yea NeG BeMrw Includes Wry RarWrMp Sebnwl IN
pwpM dw b ow pdoRbe Son for mwo tit mbar entlklwmw Ur tie U' r PI0A0ti°gl Fwrsmr salon pay Your fail We Sebwe rrpw the tr at
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Oct 29 2007
MAD512M
Page. 30 of 77
Statement for aocount numl
New Balance Payment Due Date
54,041.55 07/29/06
Amount Enclosed
ter. Pa5401 st 6630 1007 7768 Past D Due Amount unt Minimum Payment UVeader?
SHOD 5136.66 lgeSta
Make your check payable to Chase Card Services.
Now address or a-malt? Print an beak.
540168301007776300013555004041550000004
3«41BEXZ oeC lot JILI0Jrdrl1Jrdl,kmilli rrr1milli rrllrrlr6rrfill ll.rl
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BDX 15153
WILMINGTON DE 19886.6153
1: 5000 160 281: 20930 100 7 7 76 3 3115
StatemertDale: 0605r08-07/04/06 CUSTOMER SERVICE
qer
?
NA R
R Due Date: 071MW In U.S 1-888-"7-1279
gest
.,
P
IDi
Minimum Payment Due
$13555 Espahol
1-888-446-3308
TDD 1.800.9515-8060
Pay by phone 14800.437968
Outside U.S. cal collect
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 663010077763 1.302.594432DD
Previous Balance $3,781.30 Total Credit Line $4 000 ACCOUNT INOUIRIEB
P
O
Box
Payment, Credits -$92.10 Available Cradt .
.
SO
. DE 198645296
Wlmington DE
Purchases, Cash, Debits +$297.77 Cash Access Una SSW
Finance Charges +$54.48 Available for Cash SO PAYMENT ADDRESS
New Balance 54,041.66 P.O. Box 15159
Wlkrtklglon, DE 19886.6153
VISIT US AT:
www.chase. kxxrl/craditcards
TRANSACTIONS
Trans
Dale
Reference Number Merchant Name or Transaction Description Amount
Credi Debit
06r13 054101881 138000079812 RED LOBSTER USODOD19% M HANICSBURG PA $50.00
D6/14
06'15 86182636166900013601007 WESTY BEER DIST INC CAMP HILL PA
5554IM6167072014663449 CLAW FOOD STORES ASJ6 MECHANICSBURG PA 31.26
29.88
06115 55541 OW167OD412568SUS MIAN ENTERPRISES. 1039 MECHANICSBURG PA 21.61
0&16
0&2D 85182536169900013701547 WESTY BEER DIST INC CAMP HILL PA
11711710410401140413274 PAYMENT -THANK YOU 31.26
92.00
06/29 55641888181072014497881 GIANT FOOD STORES 4SJ6 MECHANICSBURG PA 37.12
D6129
0&29 85111MM181900011600440 WESTY BEER DIST INC CAMP HILL PA
05486806181576000020373 EXXONMOSIL75 04546145 MECHANIC PA 30.39
16.25
O6f29 5554188618100413MS3270 ECKERD DRUG 118850 DILLSBURG PA 50.00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
Category 30 days In cycle APR To Periodic Rate Fee CHARGES
Purchases V .046x6% 16.99% $43022 $6.01 $0.00 $6.01
Cash advances V .08573% 23.999s SO.DO $0.00 50.00 50.00
Balance transfer V .016559: 16.WA $3,470 54 548.47 $0.00 $46.47
Taal finance charges $54,48
Effective Amtual Parentage Rata (APR): 16.9e96
Please am Information About Your Account section for balance computation method, grace period, and other important htonnatton.
The Corroapondrg APR is the rate of interest you pay when you carry a balance on any transaction category.
The EffacWe APR represents your total fktnnce charges - Irtduding transaction. fees
such as cash advance and balance transfer fees - expremed as a peroantage.
IMPORTANT NEWS
Did you know you can use your credit card to access cash
whenever and wherever you need It? All you need Is your
PIN (Personal Identification Number) and an ATM
Just cal 1-NO-297-4970
to create your PI N today.
Oct 29 2007
This Statement is a Facsimile - Not an original
x 0000001 FIS333M C 3 000 N 2 04 016-97,04 Peps 1 of 1 01721 MA MA 34441 1Ire10D00030003444101
Page 31 of 77
Address Change Request
Pleeae provide information below only if the address information on front is incorrect.
Street Address ------------------------
City: -----------------
State: --
Zip: ----- ----
Home Phone: --- -- ----
Work Phone --- --- ----
E-mail Address: ------------------------ -
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the apirable and perbdc rata. and than nadwy sues d Ile mudi h
days is ft applicable balog coo(s), aM Mn add ape d to maps Wpb
also pad Ica pwkdlclmm dwrpes IN M MW cyck. M ~
to rowddp To pd yaw W parbdk flan. dap Itr as cr*,
cwrgs for ft ailing ask, veep for war wriotbw dm to pe-diq
firms Paid (d last 20 dayty
We sear Periodic Imroa serge - etnneeti- in, or sheen creep from Ica des a
is added to Vow des wNp umb paymml m lug is received m yaw sexual. How".. cw
der M ehge perk afros chic -car. pwksus biked it I a WI" tyek I N
recdw bar Is NVewo of your caw Bakwt a r+pu cured 9= Fy M dot s aM lime
yew pepAe t if due d d. pay, -A f yeah- Bakke . your pmiaw wd-d by
Oct 29 2007
VA0120a
Pa$e 29 of 77
Staternent for account number: 54016830 1007 7753 ,]
Now Balance Payment Due Date Past Due Amount Minimum Payment ?ader{?
?
53.963.94 DIW2W06 SD,DD $97.00 pp?rtte
Make yew check payable to Chao Card services. Enroll m in theeM' Rsn'.
Mount Enclosed Now address or 9-mall? Print on bear I urSderalland the enclosed
offer and may cancel any time.
Initials
5401683D1DD7776300009700003963945255456
e6G"l6 B" T 21e06c I.krill,lrrlrrl.lulrrllrr rl,lrrrrll.l.ir.rlirrirl.rrll.rll..l
ANDREW J KREIDER
3 PHEASANT CT CARDMEABER SERVICE
MECHANICSBURG PA 170554337 PO BOX 15153
WILMINGTON DE 19886.5163
1: 5000 160 281: 209 30 100 7 7 7 6 3 31ia
Statement Dais: 07/DSr06-08/04/06 CUSTOMER SERVICE
??? Payment Due Date:
P
t D
M 06/29V06 In U.S. 1-888-W-1279
$9T 00
Digest inimum
aymen
ue: Espatiid 1-868-4463806
TDD 1-8130-955.8060
Pay by phone 1-800.4367958
Outride U.S. call colsct
1-3D2-594-MDD
MASTERCARD ACCOUNT SUMMARY Account Number: 54M 1111007 7763
ACCOUNT INQUIRIES
Previous Balance $4,041.55 Total Credit Una $4,000 P.O. Box 15290
Payment, Credits -5135.66 Available Credit $36 Wlmington, DE 19050.5296
Finance Charges +$57.94 Cash Access Line S800
New Balance 59,883.94 Available for Cash $96 PAYMENT ADDRESS
P.O. Box 1515s
Wilmington, DE 19686-5153
VISIT US AT:
www.cnase.comlcredilcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description ores Debt
07/1D 1 1 93 1 91 04 1 326'2148641131 PAYMENT - THANK YOU SI3S.59
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daily Balance Rnance Charge Due Transaction FINANCE
Category 31 days In cyGIS APR To Periodic Rate Fee CHARGES
Purchases V .04724% 1724% $501.67 $7.35 $O.DD 57.35
Cash advances V .06642% 24.24% SO. DD $0.00 50.00 $0.00
Balance transfer V .047249% 17.24% $3,454.27 SSD-59 $0.00 $50.59
Total finance charges
$5794
Effective Annul Percentage Rate (APR): 17.24%
Please ace Information About Your Account section for balance computation method, grace period, and other Important Information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Enroll in My Wines Reserve today and receive SID off every
order, free shipping and much more all for just $9.99 per
nlonttt. Cell 1-OW855.5762 to enrol and receive a wire
sample pack. CPP North America offers My Wins Reserve
and is riot afl0iated with Chase.
Did you know you can use your credit card to access cash
whenever and wherever you need 17 AD you need Is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIS333M C 3 000 N Z 04 06:96104 P."101 01721 MAMA e6a36 Vaf00000000066536D1
Page 29 of 77
Address Change Request
Please provide information below ordy if the addraw information on front is incorrect.
Street Addraw: --------------------
City: ----------------
State: --
Zip: ----- ----
Horne Phone: --- -- ----
Work Phone --- --- ----
E-mailAddrese: ---------------------
7
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kill or SIM fordo: Flue rePwt your bit r dolon cord bnrdidey by sding to
DOW~ Srwb naasar fold an 1M freed yea aYrmat Motion are da'rya
awihtla b ataht yea. You da raash a Adr'sor y puaerp DdYr coo Mar you pocasd
ranker.
CoWNIN d Pawrdla: For eawoeeb by register U.S. eel, and d Most your area m
m
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or our ml, We Me be Bwd to my
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am ksmtlkax aware ri loaf you are ursere about.
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mention. we cant aloft you a deigMlot or lake alien to mid the coed you
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TO dMR to paynst yosldrf mat pskttM LlrWwr"Swvb aadrwa ateepees
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Oct 29 2007
kAAMIM
Page 26 of 77 Oct 29 2007
Statement for account number. 54016830 1007 7763
New Balance Payment Due Date Past Due Amount Minimum Payment` (le,]
S3.924.45 09J2WW SD.00 $96.00 1 `Digest.
Amount Enclosed Matte your chock payable to Chao Card Servion.
$ New address or o-mak? Print an tack.
54016830100777630000960000392445000000D
30= BDx Z 24706 C
ANDREW J KREIDER
3 PHEASANT CT
MECHAMCSBURG PA 17055-4337
I...III$I.J..1.I.Bill Ilr..1.1..r.llgill f.rll.rl.l...ll..ll..l
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198865153
i:5000 L6028i: 20930 L00777&3 3,10
T Statement Dab: 0865W - OW04M CUSTOMER SERVICE
Vedader? Peymenl Due Date: 09129?O6 In U.S. 1-886.647-1279
Digests M nimum Payment Due $98.00 Espaftd 1.888-446-33DB
TDD 1-800.955-8050
Pay by ph.- 1-800-436-7958
Outside U.S. IN oolect
1-302-694-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54M 58301 11077763
ACCOUNT INQUIRIES
Previous Balance $3.963.94 Total Crack line $4,0W
Bar
Payment, Credits -$97.00 Available Credit DE 19850 5298
575 Wilmin
ton
Finance Charges +$57,51 Cash Access Una ,
g
SSW
Now Balance 58,924.45 Available for Cash $75 PAYMENT ADDRESS
P.O. Box 15155
Wilmhngion, DE 19888.5153
VISIT US AT:
www.chase.Co W rsditcwcls
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
OB/iS 12272270208397225202931 Payment Thank You ElectronicChk $97.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Coneep. Average Daly Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fm Charge CHARGES
Purchases V.04724% 17.24% 5483.25 $6.79 $0.00 $0.00 S579
Cash advances V .08642 a 24.2404 SD.00 $0.00 $D.00 $0.DD 50.00
Balance transfer V.04724% 17.24% $3,482.86 S50.72 $D.00 $0.00 $50.72
Total finance charges
$5751
Effective Annual Percentage Rate (APR): 1724%
Please ace Information About Your Account section for balance computetion method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you tarty a balance on any trareaction category.
The Effective APR represents your total finance charges - including transaction lees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
As a Valued Cardmemim, you're entitled to claim a Thank You
worth up to S100.00. Reply by 10/10106 to an entire year of
your favorite magazines processed by Synapse Connect.
Cal 1-800.927-9880 or leg on to www.ghmid100.mChase
for automatic renewal debate and to select your favorite.
Did you know you an use your crock card to access cash
whenever and wherever you need it? Al you need is your
PIN (Personal Identification Number) and an ATM.
Just cal 1-900.297-4970
to create your PIN today.
Why pay a higher rate with other cards, when you may be
able to consolidate your balances and save on interest at
the same time? Please all the Balance Transfer Hollins at
1.800.9462014 to ace l you Qualify may!
This Statement is a Facsimile - Not an original
X 0000001 FIS33= C 3 000 N Z 04 06,100'04 Page 1 of 1 01721 MA MA 30002 247100000300031)0=1
Page 27 of 77
Address Change Request
Please provide information below only d to address information on front is incorrect.
Street Address:
City:
State: --
Zip: -- - -
Home Phone: --- --
Work Phone. --- E-mail ---
Address: ------
L
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Ld or Stella Unk: Now rp«t yw lost Or Asian and modilty y Wasp the
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aribble to aced Yom. You on latch an AA'korby praaq OsfWyaa Ww yw aoowd
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chirped prod To senators, yam pyyo r OuMbndop e1YrrYtrt Yo r pwyerta Nat
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• Yaw rata and arsoun imam
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• Dative the error and mpke /pot lot. why you NITsri then is all error II you nod
aura id mlatm doswkw the son you w wrww sod.
You do not have b Pay mw wowd in motion whk N on inraYOalrnd, but you wo, stiff
aYN a
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e triad npadlMh b oreodtha ppatknitle emedradtllY as my ad bon
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mbnmeMuestme
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meshed. or N a liked you Ins WWWhen for the property or rykw.
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seam" a sus Memo osprd t Your New atom an your Peealaas Wart in he
by the Oak ad Jim year pewad rids.
To pt Your tea Pot.& 1,ft- clues for a bilkp L}Tle rdrm a dart' priedie too(s)
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ako We ar arkakllrm d.rpa Nr rat asap ayck, Mnka wddb=dddy
o
ro rasdFq j: pa hew kw perrric iknt et?e for 0 ark yo randhk
redone ro(e) apts. mdidy'ma day Mkm 1« rah
moody Wbrlt TIN ano ndd the herds Ma Thebold WI wile 0r pwsMe home
chmW for IN, WIN Cycle, "auPW for ranar wnliont de to roudry
Cress Period (t Isat nt awn):
We mcrw lobdktmm ehrps me transaction Nat, or town orange Ioannina dais it
kidledbp«,'kkmurN ynrt in MIe rswivel on cur nowt. Haws. we
do nddup M rrrrd"dsrpsmsowpumhr 6tMd a6aGq eyebita
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yon ayeaM is dx and W. n
w+srn d per &Ym w your Pars swami by
MAOGD703
Oct 29 2007
Page 24 of 77
Statement for account number: 5401 66301007 7763
New Balance Payment Due Data Past Due Amount Minimum Payment uveadffy
S3,883.46 10/29/06 50.00 $93.00 D, jg{'r$ts
Make your chock payable to Chase Card SmIces. Enroll me in the optional
Amount Enclosed Now atMra9a or a mall Print on back pmmend Proleo eaW P*.
obl s
I urldarstend the be
ab-
offer and may camel any nme.
Initials
540168301007776300009300003883465286007
31029 SEX Z 27706 C I.r JIL 1111111111.1111111.1.11 girl Llrlr.r III If 1111,1181111.1
ANDREW J KREIDER
3 PHEASANT Cr CARDMEM6ER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 15153
WILMINGTON DE 19886-5153
f: 5000 L 60 281: 209 30 1100 7 7 7 6 3 311'
Statemerd Date: 09/05/06- 10/0006 CUSTOMER SERVICE
U
?
Ieader? Payment Due Dale: 10129/06 In U.S. 1-888.647-1279
j
.
Digests Minimurn Payment Due 593.00 Espabof 1-868-446.3306
TDD 1-800-955-8060
Pay by phone 1-600-43S-7968
Outside U.S. cal collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number. 54016639 10077763
NGUIRIES
AC
Previous Balance 53,924.45 Total Credt tua O. . Box 15
P
$4,000 rno
Payment, Credits 496.00 Available Credit .
S116 Wi DE 19860 b298
knington. DE
Finance Charges +$55.01 Cash Amen Line SBOD
New Balance $9,086.46 Available for Cash S116 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19WS-5153
VISIT US AT:
www. chase. conic reditca rds
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Name or Transaction Description Credit Debit
09x13 12562%02099WI 1 10SM2 Payment Thank You Electronic Chk $96.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated RNANCE
Category 30 days in cycle APR Periodic Rate Fee Fn Charge CHARGES
Purchases V.04724% 17.249; 5421.46 $5.98 $0.00 $0.00 S5.98
Cash advances V.05642% 2424% S0.00 $0.00 $O.DO $0.00 MOD
Balance transfer V.04724% 17.24% $3,45923 S49.03 $0.00 $0.00 $49.03
Total finance charges
E1fwdv' a Annual Parcentage Rate (APR): 1724%
$6601
Please we Information About Your Acoourd section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your Local finance ohaTae; - klduding transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Enjoy low web rates, special otters and a discount too when
you use your Chase/Hertz CDPf 374210 at harh.oom.
Did you know you can use your credit card to access cash
whenever and whenever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just cap 1.800.297-4970
to create your PIN today.
Why pay a higher rate with other cards, when you may be
able to consolidate your balances and save an Interest at
the same tine? Please call the Balance Transfer Hotline at
1.COD-945-2014 to see I you qualify, today!
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIS333M C 3 000 N Z 04 0141004 Pago 1 of 1 01721 MA MA 34029 27710000000003402901
Page 25 of 77
Address Change Request
Please provide information babes only If the addrm information on front is incorrect.
Street Address: ---------------------
City: ----------------
State: --
Zip: ----- ---
Horne Plane: --- -- ----
Work Phone --- --- ----
E-mail Address: ---------------------
7
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number.
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parrot.
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tam gyred kebds a Jahn of the Maras owed am tla ryaynad tam rob that
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abr.
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mob bhmmsaon. decalea Ih Ism you era urns awnt.
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y action In yea
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pwbad emu dm,P was already bikd M pumas IYnlbad an your pamba
statement or we raeiod PaYnwd of year Now Balance on year prom, ebwrNd a fdl
by in. dra an time your W w M sea due.
To qqRR your idN grwac Iteace dowse for a raft cab when a dolly periodic able!
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asap a wleroe, we add roar dry balances $ad*At by the ranMr d the des In
the ipaCahla ftirq cyokd. II yw mlpy IM invest by wkws for each blues by
tidy 0riodw rte, and than MOO each DI them results by the number at
days in Ih applicable amp ycle(s), aid am ids me of the nods "ha. IM pal Pat
also actual the pwsds lkssr charges too tba Insist; Cyda bar ides', coiner dlds?
po= m 40 app11 noddgy Meta rp?a dasV btlYtei to ddN y tban iteipNwbb
moody weft ewe sad add the rmk bpArL lba tour will aped the periodic linos
mugs for ih bmbg cr-b. a of mss ohm wntlbea eas to mundag.
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recoi ad on Vow acatn. Hamm. we do roll dta poi- I fiance 1= n WA!
purchases bNW rely s Cyeb s we radw both ill rn of year Near tone Dn
vow comet demmat y des dole and 6a yob Nymew s dos and ado parra t of
ywa
Na Belaro on yaw pmviow damned by tw date sad Ines)- payment qua dN Them
nA0I0306
Oct 29 2007
Page 22 of 77
Statement for account number: 5401 68301007 7763 New Balance Payment Due Date Past Due Amount Minimum Payment Upeader§
53646.77 11/26x06 SO.00 194.E Digest.
Make your check payable to Choke Caro Services, nrou me in the opialel
Amount Enclosed $ New sooner or e•nuiirt Print on hear I u rye t r bs ant
offer and may cancel any time.
m
540168301007776300009400003846775303210
004W M z 30806c 111111111r41n 1111111441111 doll Basil 411114111111 di r r ll4 r l 1441
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 15153
WILMINGTON DE 196865163
1:5000160281: 20930 L0077763311a
Statement Dote: 10050; - 11104" CUSTOMER SERVICE
?GdderJ Payment Due Date: I m" In U.S. 1-BBB-647-1279
1 VDlge$ts Minimum Payment Due $94.00 Espaiid 1-SBO-446-33DB
TOO 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-694-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6630 10077763
Previous Balance $3,883-46 Total Credit Lire $4 ODD ACCOUNT INQUIRIES
P
Boa 15298
O
Payment, Credits 493.00 Available Credit .
.
S153 Wilmington, DE 19850.5298
Finance Charges +$56.31 Cash Access Uns S800
New Balance S38 .77 Available for Cash S153 PAYMENT ADDRESS
P.O. Box 15153
Wiknkrgton,DE 19886.5153
VISIT US AT:
www. chase. pornfcreditca rd s
TRANSACTIONS
Trans Amount
Dab Reference Number Merchant Name or Transaction Description Cred'd Debt
IWAI 12872870207238132693432 Payment Thank You Electronic Chk $93.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V .04724% 17.24% $384.00 S5.68 $0.00 50.00 $5.63
Cash advances V .06642% 24.24°/6 $O.OD SODD $0.00 SO.OD $0.00
Balance transfer V.04724% 17.24% S3,480.75 550.68 $100 SO.OD WAS
Total finance charges
$56.31
Effective Annual Percentage Rate (APR): 17.24%
Please am Information About Your Account motion for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - InoWdEg transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Use 4,800 Instant Tokens toward gift items and more.
With your tokens, each Is Just $7.97.
Visit www.glfteard100.oorr4elect for details.
Use claim code 25906.
Did you know you can use your credit card to access cash
whenever and wherever you need it? Ali you need is your
PIN (Personal Identification Number) and an ATM.
Just can 1-BOO.297-4970
to create your PIN today.
Why pay a higher rate with other cards, when you may be
able to consolidate your balances and save on Interest at
the some brie? Please call the Balance Transfer Hotline at
I-BDD-945.2014 to see If you qualify today!
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000004 FIS33336 C 3 000 N Z D4 06,1104 Paes 1 of 1 01721 MA MA 00465 30710000030000045601
Page 23 of 77
Address Change Request
Please provide information below only if the addirm information on front is inooneod.
Street Addreas:
City: ------
state: --
ZIp: ----- --
Horne Phone: --- --
Work Phorme --- ---
E-mail Address: ------
L
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days In the apkW* among tyehgs), ad UM Odd m of IM prat bplhr 1t %W will
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co -We To gt your sal prise AMwt charge tar a , who a amWmy
tty1M
prbdk midst OppOw. maOy lM swap ddY Mercator age
hmdhy prick nth eat ud IM rotes nptlw. TM bW wH,O11M pedose .
Cho" for the harp ". awed cow Mar SMI M On to
rauaag
end, Pad- It Most ill mayor Iye arrw perlode fsteae chrpnone baamdsa.tn,
or frmes Owes fen Ike dab 1 is added to par Aly bylww mN in - in IJ is
rocewd on amulpNNYwprwOr, :w A rot chart pnMk imea a mr
yryour c?onm sldtmroYytt dtdi tad lime yourpwmd s Wdialm t?inneft nao
w Belem oun
N m yew m*w do%"* by IM dale and IMOywr t aymm wen due Tyhem
Is no F Irbdkw b&Mm ImMm. Itch arlrwads, check traroacMta. or ove"
tlwlas. b dd'Irt N fhae ism 'Ortlyhg Promsirrl FMM&V a this
ddard. you we ad sea geode Ik.m a dupe an my Ramosining Seem and
armed fmwte rdrrp s as norpp bricksft balance III All t . when your No keel am Includes any Ransiairt
=s) In the 0xwylap Pro mobml Ffrumlap station, payyawfull Lamp Mhta rests
Yt IoW d Ifms Ibmemq Manaa[s} bytha del and than you pymant k du. Ho.em
i yea currant dioa I's arrsu orymrd it du, as mot naka all kM fat
Ildtdw ale arrb Ouchflbjap Ptell iolo W Ifedoa.ayolakes c. wen d M Now.
Far V.kffad iarsd' DL@Wykg PawWixW Fwtiap periods fines dapm Ocane
=p a oft prbd had ear not added to yea acommi blame. ImdnA tney
town bfbg W* b bait qW. It s duhared kdred QuHyInO RofwtlorW
Finvulag bolmor is we sdl by added aoyour UMN to am se t* IN dy dW wit Bgalon ONE
Freer. I you Macy under IM brass yaw Gwcky rberAOreaaed. the ddwedimm
doom fA k added b yad accent m soon Bathe date dda*.
For limod a dedieresdMania d psymn s Iaf?l ott hm a hash wiodd W to hMm u
each emyrnra babds a person of the bhrod owed outr ft mPvM d Mm for that
our . . Nowew you as haw a grace period Or raw now purchaser a described
a6ow.
BRIM RIOHTI IINNllW
M CM M Eratna IndiM O VOW NII: NyouMldkyo r W Is Wong al like need
am War nsaan abed a famwtliee on your bill Will Cadmmhr Sam n a mpwde
W" d RM Bw 162H ylmuhgsut OE IMO-IM m monad oolft we mot hd r
from you m br ma 90 Aye dram end you the at W on whbh the arce or "Ism
apnmed. You our cow ion. but doing an mil not precrx your riphR Is your Mar.
f^a n thefdkwirg'
• Yaw Mme and earl number
The debt rtsal at tte fuyaA dorm
. Describe fharmer aM explain. I you cat fury you bell" there is an saw II yam need
mac tabHMfw. Omwlk its Nwa yen am rime abed.
You do rd haw In M any ward Is gMUM wkM we at We* Mud you we Sol
obfipmd in py ft garb of your W that am nc in quulMr. W w iawstipas yaw
mmorL one trend w0al you am tl 1 at or take &Wm b could IM mheud you
OWtIDO. N you bad AwDmld a to ply y purr Crew and W Rdomyadi * from your gftiiswm%
b stop M Mtn MaN ryaytlM pmnerar5trb addrMSamkpnar
rcaotor shows this asamemj hen reach u at YM Om Waimea days before the
sea-* crayoned is e:teduled to ear.
lfestal R O W IWpf Cad Pwcb ea If you ten a f roMym lift ft gmlya goods or
saraea the you mmNtpd with If roll card (wcagqlyMq prdmm made flit a dick).
abed yea haw trail npodtaMh b wine IM probMnwkktlt m odtd. ywmy at ham
to pay the rmdue amorwd use a rr paA or senkes. You MM to ynttlbn only
adlmlM Burnham prim mmlmadMr f? and IM WsMu ire mA bya4ffrm*dae
or fimn fM min of you telling addrem Them 6dkYam do net spy N as own or
apsek It. .~, or N lie meted you f tlmrfi-t tar the propady, a -Aces
MAaedd
Oct 29 2007
Mwa wen AkW Toro Awml
Lot or ltabo Cade: Pkur copal year but a stobs o d imnedraly by dirt the
Custom Sauce mumbmr Mud oar wit and t ymr Morwi. Adream we ahrays
avoikbk consist you. You can reach on Advisor by pramwg 0 del you an* your mraewt
nurnbor
Page 20 of 77
Statement for account number. 5401 68301007 7763
New Balance Payment Due Dab Pad Due Amount Minimum Payment
S31806.60 1229006 S0.0D S9i.00
Amount Enclosed Make your check payable to Chase Card Services.
5 New address or a-mall? Print on back.
Veader?
1 `DiigWtc
pEmoll me in the opienal
1 urld stand?the a nobsed
offer and may cancel any time.
Initials Date
540168301007776300009100003806605322575
60287 SEX Z 311106 C
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSSURG PA 17055.4337
1.1lllll1111.3111.I.lllr.ll.1....Il.l.1.1$ll.11SI lll.111..1
CARDMEWER SERVICE
PO BOX 15153
WILMINGTON DE 198866153
is 5000 160 281: 209 30 100 77 76 3'3li¦
Ststernerd Date: 11/05/08 - 1
CUSTOMER SER
Payment Due Date:
Wqer? 003
-U
12029006 In U.S. 1-888847-1279
gCSis ktinimum Payment Due: $91.00 Espa 1-888 4463308
TDD 1-800-955-8080
Pay by phone 1-800-436-7958
Outside U.S. cap collect
1-302-594-6200
MASTERCARD ACCOUNT SUMMARY Account Number: 5451 68301007 TM
Previous Balance $3,846.77 Total Credit Line
$4, I
O. Box 15 VQUIRIES
000 AC P
Bon
Payment, craft -$94.00 Available Crack . DE
.
S193 Wilr
Wnipton DE 191150 6298
Finance Charges +S63.S3 Cash Access Una 5800
New Balance S3,806.Go Available br Cash 5199 PAYMENT ADORE$5
P.O. Bad 15158
Wilmington. DE 19886.5153
VISIT US AT:
www. chase. carNcreditcaids
TRANSACTIONS
Trans Amount
Dales Reference Number Merchant Name or Transaction Deacripion Credit Debit
11/11 1316915024565 242572304 Payment hank You iaoironie Chk $94.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Calegory 30 days In cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V A4724% 17.24*4 $341.81 54.85 $0.00 50.00 $4.85
Cash advances V.06642% 2424 *4 S100 50.00 $0.0D 50.00 $0.00
Balance transfer V .04724% 17244 S3,455.80 $4838 $0.00 SD.OD 548.98
Total finance charges $63.83
Effective Annual Percentage Rate (APR): 17.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total flnanos charges - including transaction fees
such as caste advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Clain your reward today' You atilt have time to claim your
Thomas Kinkade Uthographal Simply go to
www.rowardcontercom and enter 167312 where it asks for your
cerificsle number. Take advantage of this final opporkinify
to claim He exclusive collsol on!
As a valued Cardmember, youVe been Issued a Thank You up
b S100. Claim your favoriles, each with a tow fee of 52.95.
Log on for detais and claim your Thar* You up to $100 from
SynapseConned. www.gihcard10D.ac Wolsim. Code 29235
Did you know you can use your credit card to access cash
whenever and wherever you need h? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800.297-4970
to create your PIN today.
Why pay a higher rate with odw cards, when you may be
able to consolidate your balances and save on interest at
the same time? Please call the Balance Transfer Holiine at
1-800-945.2014 to we 0 you qualify today!
This Statement is a Facsimile - Not an original
x 0000001 FI 3MM C 3 000 N Z 04 0&1201 Page 1 011 01721 MA MA 30267 33af000003D003028701
Oct 29 2007
Page 21 of 77
Address Change Request
Please provide information bebw only if be address iniormaltion on Iront is incorrect.
Street Address. ---------------------
City ------
State: --
Zip: ----- -
Hoare Phone: --- --
Work Phone --- ---
E-Inad Address:
L
IMmmoRN Ahd TglrAraalbl
Lead or Slabs fads: Plus repon yor Joel at Moo Dead i mx Mdy by WErq the
Cwbnw Senate auweW bwh0 ou M bar of lair dderwd. Advisors we aurrya
antlabe b Host you-YOUan reach m Adwaor by ?rwmrg D Mbr rewarder your accmwt
CndlMw M Pawdt: For PawnaMS W rwsr U.S. and. end d hat year wnsnun
de babnce trmMwm. rah advaroa. chkok trrmclbro. or overdraft
r I thM is a 'as" pam wafor linevoing, ledion on the
rod hear pwk* fat ro " ayM bebace that
r N year pay that balare b y btw k aphids F I I n Oak. To
a a near pmadrr VAN yes maw Bdum hackman fry Rer"ma"
myhp PmmabraI Aarrclrrp relic. p yiparkif Umbiws mbms
nn11=111 kytto dal=deer vw payment b dm. However
her ad a du, w farm receive at had sun
by be dab rod 1M spsClied ON yes Moat, tea II ?ad Haw
it let M M added b y
b babe yds. t a dew
bAY by t re Mpko* E
seated as am a w
Referents apnpt It for M Mesmeared. M Y W1111 roam w PaynNt b yalf sheers we e a
Yaw 2 p? mateve neauenaldd t M It ? ? onfMa
Mew 1edit IoM U at ever dfW km tWW for p
we we credit it to your aemmomatt as d the aver del. H r do ml baW w
inarudim or 1 yaw pbrrrS in col and IN Ie0rlar VA. roll b ow pM e
or our web male rd be ROW NO $11r,
Arert talamalir pap mw IN Cads lwwat We my apes hdormMbn a0al your
&mut to treat knim tab payaraM. Idled pymaMa w dUar oY1rIM an yew
account nity be rtI in your aM nowt. H you disk - 1-- --' hrwrrab
y lieneloe adkre
Idarmtlbe a dwat t'mhree. ya my ands b ys at the O"No"Nr
lied a esb6iMn d aa. ayaaat
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mdherte m either to fun Wornotnn Imam yaw e6dk to Damao a e e4ima
tranWr lmn your amdd or to la pylMwlaM admktrmPdbs Mwmeua
inlomMicm tram yourcurt b arch omahamis bndMhtlw luda mny k wwomvn
Irwin yam amid a son we trim illro city we mcdm cf, plant rod you mll M
=swarm low duck backtrom yaw imaasl cMttice. Cal farts numerate
ihs waemmt I you fSe auabom abad ebaronc ckeck rakeg. or do gas wand yaw
paynwb MRS" eb*OWCNY
condibw PardeMe My gym o thwk w of w lwmd I a to you meld we for
from thew thews Are the bnrad'pald In furor aid"a dmW mheba,or
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era rerysr it (a I., I I I. ddWN*W Hunt is m rmtl dgdt as Nay mmh dad' b
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0 dedreyirp I. AI a was Dey-peo them you nlek shad be led In tk agmprwe
pynart addna.
AwM boebM NOW; H yaw laud has at woof let I wan be MM adi par er b
?rodkq. htblNnamb, rielw or ntl yeu rim yes ewcon t am spa b Fry N who
bihd. Thal amml bun is no"I'drblt ukw you really us UM per ash b flea your
account with* 70 days of do Mt we sN yyroutr talernrt w which the No let re
Mrpad endtthe tanlNhe.youpyyfmrwwahap Wow bla.Yarp"amor dla
amullp does rot Sweet row rob to dome pun aadv t and to far opal b reds
vour im an yes accunt if "a MDW is doled bb?y, you or w. we ti mrbw b
divial Mthe m Abe wall you pay grow ovatidhlg baSnet in ld and wwtMb you
Halabb e M Flaw CNlgwt We cakoble parodic fire= charges, oft the
Appwablef rbdle nfre sown a Nam obmrR etwswfer ash-tam p.p.. balsa
tranlNeoomemens ahe0h amd come often dab Pdrmk harreuon74 FwahbM.
balance aarMtn. cash odvelba, plemwbad hebew or oeWid ademoa). Pletae
attempt yw Cardinmw yMrwhaee Vthe beiluresthet am bywcero. Thor
aloublsne may ammlhha dllNela rbp , wkb w led Msy Fwwdt ma. H tart is
IYmelba Mm' I raweeis drank Not aide toy w* andw ids and margin
,mod to drrnyro 110 rail and tla Minsporldmp APR an drerbod la your faMmhensw
Agramed. a armmdw l There is a mie ran fiance ekarp in my bid ydt in a h
you ow ey poriedt laharae dmmpr. am a Iraerdbe 1Mmt aqa /w ash bwime
arewm4 melded s tar Cardmerabr
beetbr rah adance. or check learatim in to
Agrtemenl. n amended
To acct the rhly) boon bas each day of la rand bating eyrie, we bk the beph*
babroe tar each kedM, add ay m v hareadbhe at awn laws ( fimace class rd Ave ohrwtl. mrwW War dryads w fe==-.:
adihataimb taheedlsm M adMd le M w lramalwr deb. Hr bw0ehmiq of No bile
pdvatybMwdm skyMpwbdb amid.aatri Mares t lm
dhack tnarciml her acid a d tlr hta rboai by w w
pM by et or w Mu do rsr of w
dam alma waft a parhwa a the wow owe am iro r"Wrox arm new era
pp . However. you ail knew a area owned an Aar fax purchaw a described
a
BLUNT FIGHTI SLUMM
M qtr el Erwo her lwdMtA1M TM But: ByouMdtyar W Is Yneng. w Il yowneed
able itdrnsbiarm about a haadisa on yaw bit sate CodnarteYx Sam new a apaide
shed w P.O. so iSM Wrebpbn. OE IM MO a earns pwlem. We mat row
tram you m rrthem 60 iya di" am Wed Now the Der M mwhich tie mar w problem
sppard Yaw w trephaa m. bun doerp a dl acct pimerw your dohs is Your bon
Grew we w MkAnbp sit scrim
• Your movie and occomet we
The dollar trout at the moepeded error
an , I se Mebr rrdasplairr, N you raawhyyau befsm Omit an mot. If you need
more ww oom. Mari" the Ma yes M udus MOIL
You CID not here to Ply afV' hardwr vbm end NWILIft. you 7a s01
obkitad b way w Prb of yaw bit tlst M teal in graves. N 1MWtgW your
oun" we cannot model you as Moment at?le?a arson to CLwgheyelvet lot aakmWld yvu
bill $Onrmw five vj
kine oftim us to ply
lewMq wN imbd, w(Wrptyr diMwail?EtvIn=Mat
Todmlaply y0viatMrw
Number owe on tlk tawrwd) no reach we at Yrl Bus teases tlWa before Me
am amok mymM is Scheduled to Doew
SMtal Btu be C*M Cad PMmas B you have a plobhlnwiM fM gmlyM owes or
sarrtaa tar you Ptseknd wpR a aWl wad 11?tItl?IdMIp puTit9es mad won a aacq.
and you hM trill en padbithb wraaw problem wdrOw mrdant you may sun h"
to pay It* nmabrhrp awud da on as Ndo w anion YOU hem Bat vemadion arty
mm lapureroa price tea mweto M am the pwehwwuMub byawnmr made
w edbh 10D min ciyw mrawp oddrea Thee Manor do nol apply H Des own or
spasms W mmhrt. or I ma nuadVouri anrthmml h the proprty or earvks.
on la average My borax we wan W the day pariadic a% that wOK me the SWIM
wAr to calculate the ddbr Prbdir fenamm
day bdanmoe nromt et Oro and d Ih 6irwq
enerp Macs may) 1 two dwwhed mhos a Meow eyeb aroma day balsa IN
Pwdrw.-do lhesnitM' Dp?bas ash bydtM Orbs eeebbWMiab briers
of pinta am the yyaaart Emmhp ryeb. lbwew the Mi4 Wtw for I.. Hhl
aYptp pwehaso b wnalWed b h 1M fair each may of the Denim Mlmp eyeb I a
wieft Nnaroa dap wan alloy kdsd a prdima sanwad an yes prrbrs
datenr! w wan sawed ptemrat of your Mm Behew m year pmeviar ebbraenl in Idl
by es rbb and tin /pun wyrrwa ma dun.
To gRa s year towalbl o nodit farmers d rpm for a willing clov wba a My ob(s) add a.raM pppf??ciWl!y?fMbelow we aim ~ daiytb W s too dlertri bay M me ter of the drys an
Bate applicable d* fit. lyw nhelgy by vela d Mwbi r AtWt7 w mtrtae6Mer by
dye in the ?' m bowl oDeb, and than awe so am of The ?
oho agwll iodpcNor tun bieepopol kr?edpwidoradun
m mMSdsa. k pt r law grbds rnwe ndrrp bas a b esbwbn a arable
prbdbn .fg motion mallet, fhe average dallrEb lrvKh ytne a, .Do
model/ permdc ram ad lad the releb beglew. The tDW will enrl The periodic finance
charges far tar Mbg dyela. creep 1i" now nrdhmt on b nourrdl,
eras Faded lr Mar leg bp r We recta arlodc learn drpa on a aamdba. IN,
or (room dap Isom fhe Mlle E is added b par My btlanoe ail aerrord in id is
racdved your?l" a b%Hicamm. k Bern nmt alw both p?sM limmice
year Nov gdoan n en
foplnafsaa 6wd da
ur canard elemental by am acyard farel a Pryor b is and rob paymert d pow
Nun&Iero on wvr pnvmw Mtleimrt 6ytM tilde and lkaayourPMmM vexmaw Then
QIrr ."
Oct 29 2007
Page 18 of 77
Statement for account numl
New Balance Payment Due Data
54:042.71 i?01/29/07
Amount Enclosed I$
per: 5401 SB301007 77133
Pest Due Amount Minimum Payment
SO.OD 5139.71
Make your check payable to Chase Can? Services.
Now address or a-mas7 print on bear.
540168301007776300013971004042710000003
Veadq§
Tax Mime is chem. Make
your pay rdt r. yam tae
Wcrttl yFOr 0CUr t XOS.CDm.
95549MZ4070 LrrIILLrLrLIlrlrrllrrrLlrrrdLlrLrrllrrl,l.rrll.rli.rl
ANDREW J KREIDER
3 PHEASANT CT CARDMEM13ER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15159
WILMINGTON DE 19888-5163
1:5000 L60281: 20930 L00777633it•
Opening/Closing Data' 120-'YW - 01/04/07 CUSTOMER SERVICE
Payment Due Date:
NJ kkq?
der
0112W7 in U.S. 1-BB5-647-1279
DIgCSG h4rMnwm Payment Due: $139.71 Eepatld 1-BBS-446.33DB
TOD 1-800.955.8060
Pay by phone 1400.496-7956
Outside U.S. call Doled
MASTERCARD ACCOUNT SUMMARY Account Number: $40166981007 TM 1-302-694-82DO
Previous Balance $3,806.60 Total Orerit Una
Box OX 15 NOIUIRIES
$4.000 ACCOUNT
B
P
D
Payment C"s
171.00 Available Credit
Purchases, Cash, Debits +$27011 Cash ?? Access Line DE
.
.
SO Wilmington. DE 19850-15M
$800
Finance Charges +$66.60 Available 1w Cash SO PAYMENT ADDRESS
New Balance 54,042.71 P.O. Banc 15153
Wilmington, DE 198865153
VISIT US AT:
www. chase.eom/credil c_rds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Dosoriplion Cram Debt
12/20054101 1 893906 P=A H iI M HANICSBU GPA $22.2
12123 13571746 Payment Thank You ronbc Chk 91.00
12/26 S55418WWI072DO9593910 GIANT FOOD STORES aSJe MECHANICSBURG PA 70.51
12/26 054868D69S1378DDW61304 EXXONMOBIL75 04546149 MECHANIC PA 18.50
1Z26 054 8 8 8DMI$37D00DO8266 EXXONMOSIL75 04548019 MECHANIC PA 43.60
12126 86182 1900019 4 0 0 074 WESTY BEER DIST INC CAMP HILL PA 28.08
1127 86182SW362WW1950DD13 WESTY BEER DIST I NC CAMP HILL PA 31.26
12/28 8618263s36390001980D010 WESTY BEER DIST INC CAMP HILL PA 31.26
01102 56541867003072015288748 GIANT FOOD STORES #SJ6 MECHANICSBURG PA 24.76
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Corresp. Average Dally Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fn Charge CHARGES
Purchases V .04724% 17.24% $403.40 5691 $0.00 50.00 $5.91
Cash advances V .08642% 24.24% $0.00 SO.00 $0.00 50.00 $0.00
Balance transfer V 04724% 17.24% 53,475.07 $50.89 $0.00 5000 550.89
Total finance charges $5680
Effective Annual Pa ow tag* Rate (APR): 17.24%
Please see Information About Your Account section for balance computation method grace period, and other important informeborL
The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expreased as a percentage.
Oct 29 2007
This Statement is a Facsimile - Not an original
x 0000001 FiS3T1f36 C 3 000 N Z 04 07,01.,04 Pagel or 1 01721 e/A MA 35509 0641100000.30003564901
Page 19 of 77
Address Change Request
Please proYtde Information bellow only d Bte address intonation on front is inconeol.
StraetAddress: ---------------------
City: -----------------
State: --
Zp: ----- ----
Home Phone: --- -- ----
Work Phone: --- --- ----
E-rnail Addrose: ----------------
L
bfamBou Abed Taw AMOUM
tot or Mader tadr. Pbaa report yew foal a doles hold imwedW* by collp tho
C-w~ Serum a~ lower oa b ft re O year sloawa. Ache ors are adrgs
Ryabbla to wail you. Ywoun much M Adview be pwaap a ease you area your account
number.
GrodMp w PgMpM: iw papMdp by raMrm uS nest, swat at but your nrk mum
mavmad M b m and dim hsa IMIwMW Mr pavlMMh AM M INS VANMWL YOW
earl
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a or i you 013 M VA abed by raper U.tl maul b
t b eradbp at Yom wyard may he dabyr
rods WaNOeMaktMOyh ow abrMMtl MYWMan Sri
a ear oni ab aA be angel In any PMMW 0 tear
Araaa Mawa1M RGP~ as maw fusaot We nay nMM iMW Mbw abut yes
acoua to ordt Mna1L I.* Payments mewed payments w other btYllb on yew
scoot my be rebeld he yor eadk ream. If n tl, we lace tepated eeuenle
Indomrlsou W a weal bureau, you may web b w at ma Omdmermbu Ssmyba address
Ibad w your bi6e Moment.
tbda About EMdrada Check Comiam oo Whom you provide a ofeck nPa seal you
aulhorbe w What IN M inlowWS tom o you check an, male a enataM ebamb had
m new
banfa ion Iaan m yam vow check k to metal eke s M p maOmmal fad 0. rrelw. ldllds may by be WNa eT1ldeWn
came your ur sl asoh a o the Mmes des y YX om
momMM ch di mma you=r==
Asia you dwetb have mean faaut dectdiM.Cib m. m your
sMMmW t you clo gw?IMM abed eleetroric abet collection or b not seed a n
Pa1MMS mledsd abdmaklYy.
CMdg" PMaMwc My parent duck w ode immelpop m fat yousod re for
Ma iM the MI NMrra ba fjsl a rrwlatl'pM b tut' a aeMaka a dalbr MafaR a
Amt you AMrWIN lamer In fro al SON of a fired anent Ada be sat M Cord
Berets, Po. &W ism, Mah"are, ne 11Slo Yana raerW al w does, rma *
Ara WPWfe Is P., N N M ddwNMd that to me "M cha1Mh e•N ay ash dime M
Mound marry saw Warsaw, wa may new Ma Owns, an sypmmnns as saw ay nos
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MAPa03M
Oct 29 2007
Page 16 of 77
Statement for account number: 5401 SH3010D7 7763 }
Nav Balance Payment Due Date Pact Due Amount Minimum Payment Reader's
53.961.60 03101/07 50.00 $98.00 Digest.
Make your check payable to Chase Card Services. I want b chase optional
Amount Enclosed New address or a-maim Print on back. Pa mart Praseotor Plan`.
I hive read the an bead
offer and may cancel any time.
initials
540168301007776300009800003961505352646
34908 SEX 20=70 1111lilt 6rluL 11.14. 11.11116191!1411 11 so ll„ Iri.r11611641
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15153
WILMINGTON DE 19886-5153
1:50001,602131: 20930 10077763311'
eade
s OpeninglClosingDate:
Payment Due Date: 01/05107 - 0210 4 /07 CUSTOMER SERVICE
03101/07
R
r
Digests
Mnimun Payment Due In U.S. 1-888-"7-1279
$sa.oo Espahol 1-8S8-4463308
TOO 1-800-955-6060
Pay by phone 1-S00-4367968
Outside U.S. call cdlect
MASTERCARD ACCOUNT SUMMARY Account Number. Sol am ttw77763 1-302-594-82D0
Previous Balance
$4,042.71 Total Credit Line ACCOUNT INQUIRIES
$4,000 P
O
Box 15288
Payment, Credlits -5139.71 Available Credit .
.
$38 Wilmington
DE 19650-6298
Finance Charges +$56.50 Cash Access Une ,
SS00
New Balance ?,gg1.50 Available for Cash $36 PAYMENT ADDRESS
P.O. Box 15156
Wilmington, DE 198865153
VISIT US AT:
www.chase. com/cmditca rds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
01/19 101901 158127673291 Payment Thank You lectmr io Chk 5139.71
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periods Rate Fee Fin Charge CHARGES
Purchases V .04724% 17.2440 $524.88 57.89 $100 50.00 $7.69
Cash advances V .06642% 24.24;0 $0.00 SUDD $0.00 50,00 $0,00
Balance transfer V .04724% 17.24% $3,489.58 $50.81 $0.00 50.00 S50.81
Total finance charges $5830
Effective Annual Percentage Rate (APR): 17.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The CormspondkV APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Enjoy low web rotes, special offers and a discount too when
you use your Chaea/Hertz discount code CDP* 574210
at hertz.oom.
Why pay a higher rate with other cards, when you may be
able to oonsotidate your balances and save on interest at
the some time'? Please cell the Balance Transfer Hotline at
1-800-945-2014 to am i you qualify today!
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIS=35 C 3 000 N Z 04 07:0704 Page 1 01 1 01721 MA MA 34" 03510000030003490801
Page 17 of 77
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------------
City: -----------------
State: --
Zqr ----- ----
Horne Phone: --- -- ----
Work Phone --- -- ----
Email Address: ---------------------
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Oct 29 :007
Page 14 of 77
Statement for account number: 5401 683010D7 7763
Nm Belance Payment Due Date Past Due Amount Minimum Payment
S4.092.SD 0.912907 $98.00 S3$2.80
Amount Enclosed 1$ Make your chest ppaayYable to W Card Ssrvlees.
$ New &WFMS OF ••rrhalrt ntnf on n Back.
a
Tax time is there. Make
your payment ur Chase
cr6til ard. orb visit
www.chosaMourtaxes.com.
540166301007776300036280004092800000000
SWU 6EK Z 08877 c
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17056-4337
111111111111111111.111111111.111111111111 1111111111111111111.1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198566163
1:50001r.0281: 2093010077763311•
Opemng/Closulg Dais 02/05/07 0310007 CUSTOMER SERVICE
e Payment Due Date:
dens
t D
M
P
R Ver 03/2907 In U.S. 1-888.647-1279
8D
$W2
aymen
ue:
g
khimum
1! .
EspieW I-NO-448.3308
TOO 1-800-95548060
Pay by phone 1-600-436-7968
Outside U.S. ant collect
1.302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number. Sol 6W 10077763
ACCOUNTINOUIRIES
Previous Balance $3,961.50 TOW Credit Line
P.O. B=
P.O
Purchases, Cash, Debits +$W-00 Available Credit SD
rdrtgton. DE
Wfk DE 19860 5298
Finance Charges +15112.3D Cash Access Una Sam
Now Balance 54,092,80 Available for Cash SO PAYMENT ADDRESS
P.O. Boa 15153
WfMington, DE 198866163
VISIT US AT:
www.chase. com/creditaul
A late fee is reflected an this billing statement Your minimum payment reflects 1%of your
statement balance, plus any past-due amount billed interest, and the billed tale fee.
The new APR and promotional rate expiration refkrcled on this statement Is a result of a sate
payment on your account. For your ocnvenserwe, you can always pay online by accessing our
website displayed on this statement
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debt
03/Oi LATE FEE $39.00
FINANCE CHARGES
F4haros Charge
Daily Periodic Rare Corresp. Average Daly Balance Due To Transaction Accumulated FINANCE
Category 28 days in cycle APR Periodic Rare Fee Fin Charge CHARGES
Purchases V .08217% 29.996 $499.72 $11.60 $100 SO.00 511.50
Cash advances V.OW71k 29.99% $0.00 50.00 $0.00 50.00 $0.00
Balance transfer V .08217% 29.99% 53,611.60 $80.80 $0.00 5000 S50.80
Total finance charges
$92.30
Effective Annual Percentage Rate (APR): 24.99%
Please see information Abort Your Account section for balance computation method grace period, and other Important Information
The Corresponding APR Is the rate of Interest you pay when you carry a balance on any twearatlon category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
NOTICE: We are replacing it* Two-Cyole Average Daily Balance
Method (compute interest on previous and current cycle
purchase balances) with the Average Daly Balance including
new purchases Meted (purchases dally baler" dimes
purchases daily rate each day only in the current cycle).
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIS3333S C 3 000 N Z D4 07:03.4 Page 1 of 1 01721 MAMA 33364 053100000300D3338401
Page 15 of 77
Address Change Request
Please provide information bellow only if the address information on front is inoomeot.
Street Address, --------------------
City: --
State: --
Zip: --
Nome Phone: --
Work Phone --
E-mail Address: --,
L
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pad
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meatdd to Real k em. lots prourla Il I pym* of Odor blurts M Fair
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notice Abaci Elearow Cheek Comaoba Whom you uodde a cheek s poyalpk, you
sWhase rs either to on Manmrlion Imo yaw deck lo WAR a abwm Kadmr? bed
trknr
iniornssimMisa ri Iryoron your atrsdi d a Is, mbek ea dlaaroictmbins slm hdd adtdr ttatater kwWe aptit *smy Nltbaulm
e rwAdmm
from you -let as who is tow arm city we m*a ynu Fy?m?k sea you es hot
nude your dyad bbklranyow barest i dNKW. Cur ilr embsrwnim ntdri6eron
this KtlerrM S you hove oun iom about dedrorric Chock collection or do nut wale your
pa norm echoes slaCI Ilit
C,NdMo l PMwft Any wyaaM cMOk or Mlm lam a ppmm lea you mad color
lm It= The MI bobrm dm dadbnmI ,'mid I. Id'acaawradale Medea,or
net yid WdrwM tads in 1w eddldW d t ataadt. MIM r mat b Lard
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them Pryr.ade lag., 1 a is ataaaad than is ha von dspala a a say aM crash is
rvvahed K wk, olarakkem. ems trio arorot meekest ad yyoouuwi dR ewer ayour
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or doctors it. At oSm pynaks that you rake social be fed to the appworrlo
pynrrd address.
AmO brawal Nedra: If year Kc*W ho a aruaed be. it war be tiled each bear or in
money Irbram. Mram a not you rm your aemud, end you app b ley It slam
bilad FM arced W is moi*md" Orion you m* us tlrl you rsh b lbw yak
arsoul wklm 3D days of the at vow nail yyoonv dalarwt an wtia the aam! in it
ranged sow d Ih eamlloe. youpyysaw eafMadq Isom in lot Year pymK d the
wmwal lap sea no woes our rights to elide four m aut ad b ion yaw third Is, ratio
b" des, n year acemo II you amour it closed by yid or m, we will maliar to
Maps Ito anal, W MIN yid NY YOU WlK Mft blarsw b U dd MUM* htdr
moan rdKlamhp.
Egbmbp M Flamm Charges; We mkuble prises fimrm charge, m.tP the
trbxa +ap., alb erco
wpwaw Wbde rMa Mewn a ads stowmic onomitylor Book
trnduUOewnbrs elraMc ad Rah loam duets ('cheek Iourouaian'} pmk n.
bales bo nfai .sash adwnea, preaoliaoul kMar a taadrw sham). lams
awaely=CmdmmWWrnowdbrtiatulumatmaleappaeabY D art
slarbtmmrr i eerriira diiNbmt algodn wkb tbo s ran. I than is
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uad b ddrnlM ibl rate red b wrale dq APR am ImKwed b yaw CYAmtia
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W. war try Periodic thane, c agss, am a trooaYbn Nanm aags? fa inch bobs
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am~. yea we ad Um O"I'dw Ibrans arrplsys n any R nWKnO Ybom Uol
amid Searle tbagm a raw pueemm whisk your him Bill= irrJWn PAm o
hewamts) in the Quo" ProsodicalRd- aMSice. payythrtua Low BYUme rase,
dr toad at those oaw?p bbnw{sj byth tiro adtim you pwrlmt b dm. Havevar
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For "Uebned loaner 0raNybq Pxmmlaml Flouncing. /wtadat finew charges aaaa
dulq M prardlbml iald had as at added In your maM biases InWd, they
aodrriYdale ttam wft q* b brdaq ayda N s d111rred YNend O lt" Prom florw
Fkrnsiao baMm s as pad inid by de mpkdk b *nab r D&, tbeddamtl San
Cmrppmea who to ad" to how amain a woe mink last day AV No epdadon Data
farlMr. d you dksal raatathe woe of your CndnoumbW AOMurd.lta dderrcdboam
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pumtrs. Hmmw you will bas a pride period on oUa row puclron m described
slays.
ILL= RIGHTS d NKW
b Cm W ITMOF Om1lbmAIW Tam M: NyonMbtyew Inc is wrong. or 0 youneed
alai bdbotdmabaN a lanmdsadn you bin are CmdrmmW Swain on a man"
seat K P.D. ON ISM wanb(me. tlf 79850-MM m towns p embed We octal hear
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spre ml Yoa m tesobone m. k dobq w wii at preserm your tights, Is your krc
pve ra the idbwbq shim
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. Daamibe Inamrmdussin. Fyyaauu mm wlk,yoa bdlara than is as met 11 you hoed
am sfarraaal dKMhe tho sea aymmm aboK.
You do min have to pay ark, amrm 1. Rmdba wows we an bid you the Sol
omoded b bur, to pats of your IH DM we 0 in *N" . Wlis re iwsMipW you
gmlM. " mall Few you is aareaal err we adrt b on" the smarm you
orestba. N yyoouu head aompOd w to phi your mAl cad oft aNOn dUaW from your
scarper ahsliq aalead, ym own 31V the Payton an ay =bit* lbit* swmry.
To stop the pymK.j wow Drew ImbgfrhMmderSawb adaeasayoapmao
mm6ar "M on Ilan Bloomed mm moth m at beat rem bu(am do" baton the
arloooie palm t is wheaad to am.
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anplat that you Pidclrsd with a d1M mud arcMm ma with a drag.
and you bmtdadngeadWhboededlheprabkn themadouK Muldhom
In pay the r-- who k wtrbaM duo o¦ hh?= s or akrtdpea. Mu bm FaYS Kaboold. y
avA fi uWtm TI s faeN ea?do rnui pplitilym oovnWw
bbTODDmimofyon rrd
operate Inca lad t,a 0 ems WWywar S*MMrma bar the VWMry or urvlca.
To you bad rbdk flMacedrape tots awq stouts wean a ritly ododld ms(s)
app ? war add sl of ft dwy ndedb bmrw chwW her Md bMwm. To dWmb..n
the ar ,p aMM?y whoa we am ycxr dry becomes Mot dMa by the maws of the drys n
,= Mlwas . we add ;w
yaw mlpy lw assnm aiy wla br mek falrm by
tea ypkaYla daily pabie hob, wd thm mw' ach of that ndks by the nnda of
dye in IM apPNCaws W" cycle(s), wed data IN AN M the MRm IogdMr as Not will
a be eatM the pwioae limrm do fortea MinggW,neap is srdr wrbsm don
to rcdic rlM Tp PI yam load arbdie Reams she lot a W*q chicle when w owdby
perbdic tr1o. ? Ike small day OYwmfa mtll7ahw by 80rapw
* periodic p the train bNedtaa 7M burl win a"atl Ik
charges a pwiodb 11m11m
for IM bill" Vets, aaM lot nap eantlkba due to Murtdq
Gram Pled IM but EB daysl: wed accru pwbdt laew, clmpawone heasch" W,
or f nsece dope from Ik aw k is added to par daffy bWnw wit TwIawt in IWI is
mulled an fw uccost. linvem.. N do nor drag) set kMm CMhiO a rX
purchase plld aklq a abd eyrie d wed rwmbe both paymem a[ your plea blwsw on
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Niw Bdenoenyew prevbae daknm wpYbytke dM adtkneywrpayrmM-ww:d o TMn
MADROM
Oct 29 2007
Page 12 of 77 Oct 29 2007
Statement for account number. 5401 66301007 7763 UR*er?
New Bal ance Payment Due Date Past Due Amount Minimum Payment 1?.54,277.59 04/29/07 $270.00 S736.69 tem
MaWale! yowodors`' choeck e' mP@aalyy?ablePdn1to Chbacke'!rtl swim.
Amount Enclosed $ h1 Do G
540168301007776300073559004277590000009
W078EXz094M0 6111111[till rLLJrrllnmilli ru16611,r114166n16116r1
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 160 281: 209 30 100 7 7 7 6 3 311'
01"e^in9lCloe"191ele' 08!05107 - 04/O407 CUSTOMER SERVICE
J?eader?
Payment Due Date: 04M29707 In U.S
1-686-"7-1279
Digest. Minimum Payment Due: .
$735.59 Espabol 1-888-448-9306
TDD 1-800-955-sm
Pay by plane 1-SWA36-7958
Outside U.S. cal collect
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 68301"X177763 1.302-894-8200
Previous Belatxx $4,092.80 Total Credit Una $4 ODD ACCOUNT INQUIRIES
P.O
Box
15298
Purchases, Cash, Debits +$78.00 Available Credit n
.
. DE
SD
ln9ren 19"350 5298
Finance Charges +SID6.79 Cash Access Line SBOD
New Balance 54.277.59 Available for Cash SD PAYMENT ADDRESS
P.O. Box 15158
WfknhVton, DE 19886-6153
VISIT US AT:
www.chase.t W rscitcards
Your credit card account Is peat due. Please send payment Immediately. Cal 1-800.955-8030
(colect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Marchand Name or Transaction Description Credit Debit
03/29 LATE FEE $39.00
09105 OVERLIMIT FEE 39.DO
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Correep. Average Day Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rals Fes Fin Charge CHARGES
Purchases V .0621r.4 29.9916 $59420 $15.14 $100 SD.OD S15.14
Cash advances V.0112171/6 29.99% $0.00 SQ.00 $0.00 SHOD $0.00
Balance transfer V .01121r% 29.99% 53,597.76 $PIS6 $13.00 SD.OD S91.65
Total finance charges
$106.79
Effective Annual Pei ce, tap! Rats (APR): 29.99%
Please see Information About Your Account section for balance computation method grace period, and other important information.
The Corresponding APR Is the rate of Interest you pay whom you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS133M C 3 000 N Z 04 D7,04 1M Papa t of 1 01721 MA MA 34707 M410000030DD347D701
Page 13 of 77
Address Change Request
Please provide information below only it the address information on front is incorrect.
Street Address: --------------------
City: ----------------
State: --
Zip: ----- ---
Horne Phone: --- -- ----
Work Phone --- --- ----
E-riailAddreas: -------------------
L
Mfonreaton Abed Year Account
Lod ar Stoles Calla: Please report your lost or Stolen Card immediately by
calling the Customer Service number found on the from of your shlomonL
Advisors are always asalblak to assist you You can mach an AdAsor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. met, seed at last
your minimum payment due to our post ofte box designated for pytMls
shown on the statement. Your paymams by mail must comply with the
instructions on this statement and in usi be made by clsok or money order.
payable In U.S. Qahm, and dram on or payWla timugh a U.S. financial
institution or the US branch of a foreign financial istbtion. Do not sand
cash Write you account number on your dock or in may order. Pie rheras
m ust be accompanied by the payment coupon In to envelope provided alb
our address visible through the rwdope vandmir, do envelope canted
contain more tam am pa9nhanl or coupon; and them can be no stmlae,
paper kips, tape or correspondence included with your payment. I your
payment is in accordance with our payment instructions and is medo
available o us on any day except December 25 by 1 A0 p.m. local tlme at
our post office box designated for payments an this statanrent we will credit
lire payment to your account as of teat day. H your payment is in accordance
with our payment instructions, but is made available to us after 1d10 pm.
Joal tine at ear post once bar designated for payments on this sbbrmin,
via will cow it to Your account as of the next day. If you do not future or
payment instructions or it your payment is not sew by regular U.S. red to
our post office box designated for payments, cradling of your payment may
be delayed for w to 5 days. Payments made electronically through ear
automated telaphaa service. D usimer Service advisors. or our welt site
will be subject to any processing timers disclosed for terse payments.
Account Mlormatiea Reported to Credit Bureau: We may report
information about your account to credit bureaus. Lao payments. Warned
payments or crier ddauls on your &= am may be reflected in your credit
report. N you think we have reported loccurate inlahnaton to a credit
bureau, you may write to us at the Cammember Service address tided on
Vote bling statement
Notice About Electmoic Chas k Comrsicn: When you provide a dock a
payment. you authorize us either to use Information from your dueaitc mare
a one-time alactronic fund transfer tram your account or to process the
payment as a check trarawellon. When we use Information from yaw check
to make an eloRronic fund transfer, hands may be 01 dra ear from your
tail r,
account as soon as the some day wen receive your payment, and ycr,
receive your dhecir hack from your f rv nclal institution. Cal to roomer
service number an des suNmem if you have questions about eledenic
check collection or do do worm your psymants collected eledmMuty.
Conditional Payments: Any payment check or oft farm of payment ghat
you sad us for less tan the fell balana due then Is matted Wirt in td or
contains a similar notelon, or tat you otherwise tender in fat rrisbalm
of a dtputad smoum, mum be sent o Card Services. P.O. Box 1549.
Wilmington. DE 108503049. We reserve all our tights regarding two
payments (a g.. If it Is determined there is no valid dispute or If any such
check is received at any other address, we may accept the check and you
will mN owe any ranhafning balance). We may refuse to accept any such
payment by returning t to you. not cashing H or dasmoyo8 It All odor
payments that you make should be sent to the appropriate payment address.
Asaesl Reaewel Neter If your account has an amoral fee, it will be billed
each year or in monthly I.". ants, whether or not you no yaw smunt,
an it you agree to pay If w han blind. The rrmral fee Is son•idehdsbte ales;
you notify in that you wish to dose your account within 30 days of do date
vm mail you statement on which the anal in Is charged and at ft =tie
urns. you pay your outataincing balance In fut. Your payment of thaannual
fee does not affect our tots to des your account and to limit your right to
make traroadfas on your s count II your uccou t is dosed by yen or us.
lave will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship
Etplanstin d Finance Cbrles: We calculate periodic finance charges,
using the applicable parlodc rata shown an the Sentiment sepmlay for
each feature (e.g, balance tmnafer/canwNance deft and cash adwmse
sheds ('dock transaction*) purchases. balance transfers. cash advances.
promotional balances or overdraft advances). Theca calculations may
combine dtitarrn categories vAN the same dairy periodic rates. H tors Is a
"y" next to a periodic rate an this sbtement list rate may wry, and the
index and margin used to determine fruit rate and its corresponding APRare
described In your Cardmember Agreement. as amended. There Is a
minimum finance charge in any billing cycle in which you ore any periodic
finance charges, and a transaction finance chugs or each banana ttasht
cash advance. or check transaction, in the mounts stated in your
Cardmembr Agreement as mended.
To gar the dairy balenca for each day of the current billing cycle, we tab the
beginning balance for each feature. add any new transactions or other deft
(Inducing tees. unpald finance charges and other charges) subtract any
paynlamte or credits, and make other adjustments. Transtecfions are added
as of the transaction dais, the beginninp of the billing cycle in which thap are
posted to your account or a later date of our choice (except to check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date there, are posted to your account, or the last day of the biting eydL This
glares us that days daily bolarx* A credit balance Is treated as a balance of
zero. If a dally periodic rune applies to any feature, we multiply the defy
balance by the daily periodic rate to gal your periods, limit se charges for
that day. We then add three periodic Inane charges in your dally balance
to gsthe beginning balance for the next day. Pimple tumors daily periodic
rata could apply based on the average daily balance. we will use the daily
periodic rate that apples for the range duty balance amount at the and of
the filing cycle to eaoulate to tally periodic finance charge each day.)
To got your total periodic finance charge for a biting cycle when a daily
periodic rate(s) apples. law add all of the duty periodic Buttes charyas foral
features. To determine an average daily balance we add your duty balances
and dvide by the number of In days in the applicable 6itkg cycle(s). H you
mdtply do average dally balance for each feature by the applicable dally
periodic role. and ton multiply, each of two results by to number at days
In the appltable, brag cycle(s), and tlxn add all of the results together. the
tons! will also equal is periodic finance charges for the biBrrg cycle, except
forminorvarW= due to rounding. To payout total prude fihrtee charge
for a billing cyda when a monthly periods rate(s) applies, mulYpfy the
average daily balance for each future by the applicable monthly periodic nth
and add that rosub together The Intel will pull the periodic Ikhanee charges
for to billing cycle, except for mina varialiora due to rounding.
Brace Period (at Md 28 biral:
link accrue periodic finance charges on a transaction. he, or fkace charge
from the dab N Is added to your duly balance and paymen In full Is
received on your account Hoover, as do not doge posio6c finance
charges on new purchases billed during a billing cycle If via receive both
payment of your New Balance on your current Statement by the date and
time your payment Is due and also payment of your New Balance on your
previous statement by the dab and time your payment was flue. There is no
grace period for balance transfers, cash advances, check transactors, or
overdraft advances.
In addition. H leers is a `Qniyinl Prorhotional Financial" auction an
gds &Wsmd, you will not khan periodic finance Barges on any
Remaining Balancetatappaem in thalsection t you pay gat badance in full
by the applicable Enptiraton Data To avoid flnato charges on new
purchases when your New Balance includes any Remaining Bdence(s) m
the Ousilrying Promotional Financing salon. pay your full New Balance
minus the toedl of thos Remaining Bolrrce{s) by the time and time your
paymrd is due. However ityoursatmem shows thats mlmmtn payment
is due. we mud micaiw m Must tat minimum payment by the alas and time
specified an your atalanant, even 0 your New Balance consists afy of
Qualifying Prrnoional Financing belarim.
Also, ter soma Qualfyng Promolornl Fkmndng balance, periods Bnance
charges amm dump the promotional period bon are not added to your
account balance. Instead, they scrumulas tram billing cycle te billing cycle.
This Is referred to as "deferred Interne" it a deferred Imrest OuW*M
Promotional Financing balance is not paid in full by the applicable Expiration
Dab. the deferred finance otearges YAN be added to your account as soon as
the first day alter tea Expiration Date. Further, it you default under the firma
of your Cadmember Agreement the deterred finance daps will be added
to your account as won as the date of olafaut.
BILLING RENTS SUIMRT
In Cora of Ewers or CadMnr About Your Bilk N you think your bit is
wrong or it you rued mom information super! a transaction on year bit, into
Cirbnmbar Service on a separate shed at P.O. Boa 15299 Wilmington. DE
11x0603299 as soon as payable. We mho hear from you no later draft 60
days after we sat you the gat bill on which the error or problem appeared.
You can telephone es, but doing so will rot preserve your dghte.
In your letter. pie to the blowing Information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain. ff you can, why you believe there is an error.
I you need more Information describe the Iona you arc unsure about.
You do not have to pay any amoant In question while we art bmatgatkhg,
ben you are are obligated o Pay the parts of your bin that are not in
qunaon. While we Imarigate your question. we cannot ration you as
delinquent OF take action to acted the mount you question. If you have
authorized ks to pryyour credt card bit automatically from your sevtgs or
checking accourt you can atop the payment on any mount you think is
wrong To stop the paymenL your letter or cal (using the Cardmmber
Service address or telephone number Shown an this Satment) must reach
us at last tuts business days before to automatic payment is scheduled
to occur.
Special Ruh for Credit Card Parehaeas: If you have a problem with the
quality of goods or s"cas that you purchased war a credit card (excluding
purchases made with a check). and you have tried in good falh to correct
the problem with the merchant you may not have to pay the rationing
amount due on the goods or services. You have tats protection city when
the purchase price was more than S50 and the purchase was made in your
home state or within 100 antes of yaw mailing address. These Itmieations
do not apply if we own or operate the merchant, or if we mailed you the
advantismant for the property or services.
MA02I207
Oct 29 2007
Page 10 of 77 Oct 29 2007
Statement for account number. 5401 66301007 7763 New Balance Payment Due Date Past Due Amount Minimum Payment 54,463.47 06/29,/07 $458.00 $1,112.47
JL \- URcWer?
gest
Amount Enclosed 1, your check ayabbChase Card Senkas.
$ Mow ew address or a-m7 Print on DaOK
5401683D10D77763001112470044634700DOOD8
89MMZ 114070
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17056-4337
I,,,III, I,rl, rl,l„Ir,llr„I,I,,,,Il,l,l,.r II„I,I,,, II.,I1.,1
I,rrIIL..IIL.rrI,L1111„I,rI..ILr,ILI,rrIIL,.r,11rr,Lll
CARDMEMISER SERVICE
PO BOX 15153
WILMINGTON DE 198136,61163
1:5000 L60281: 2093010077763311'
Opening/ClosingDate: 04/05/07-05104/07 CUSTOMER SERVICE
Due Date:
XDmide6 05/29/07 In U.S. 1688.647-1279
711gC$G Mnimum Payment Due:
D
51,112.47 Espafxrl 1-888-4169306
TDD 1-800-955-8060
Pay by phone 1400.436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number. $01 688010077763 1-302-594-8200
Previous Balance $4,277.59 Total Credd Line ACCOUNT INQUIRIES
$4•OOD P
Box 15286
O
Purchases, Cash, Debits +$78.00 Available Credit .
.
SO WkirrhVton, DE 19660,5298
Finance Charges +5107.88 Cash Access Une SBDD
New Balance 54,463.47 Available for Cash So PAYMENT ADDRESS
P.O. Box 15155
Wilmington, DE 198866153
VISIT US AT.
www.chase.corn/craditcards
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955.8030 (collect 1-302-594.8200) today.
TRANSACTIONS
Trans Amount
Dais Reference Number Merchant Name or Transaction Description Credit Debit
04/29 LATE FEE $39.56
D4/D5 OVERUMIT FEE 39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rata Correap. Average Daily Balance Due To Transmoban Accumulated FINANCE
Category 30 days In cycle APR Periodic Hate Fee Rn Charge CHARGES
Purchases V 0821756 29.9014 $66720 $16.94 $0.00 SD.00 516.94
Cash advances V .0821756 29.99:: $0.00 50.00 $D.00 S0.00 $0.00
Balance transfer V 08217% 29.9914 53,669.03 $90.94 $0.0D 50.00 S90.94
Total finance charges
$107.88
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important Information.
The Corresponding APR is cur rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
x MD0001 FIS33M C 3 000 N Z 04 07:0604 Page 1 o11 01721 MA MA $9264 1241000003DODS928401
Page 11 of 77
Address Change Request
Please provide information below orgy it the address information on front is inoorreol.
Street Address' ---------------------
City ----------------
State: --
ZIP: ----- ----
Home Phone: --- --- ----
work Phone --- --- ----
E-mail Address -------------------
L
Information About You Account
Lett or fttolas Cards Picric report your lost or stolen card immediately by
eating tlN Customer Service camber found on the frond of your eatenent.
Advisors are fterys available to assist you. You can reach an Advisor by
pressing 0 attar you enter your ammr number
Crediting of Payments: For payments by regular U.S. sal, send at least
your minimum payment du to our post ofBCe boot dasignared for payments
shown on this statement. Your payments by mall mint comply with tlN
instructions on this statement and m ust be made by check or money order.
payable in U.S. Dopers, and drown an or payable through a U.S. financial
institution or the U.S branch of a foreign financial institution. Do not send
cash Write your account lumber on your sheds or money order. Payments
must be accompanied by the payment coupon In the envelope prdtded wAth
our address viable through the wwaloW window; the envelope Connor
contain more elan one payment or coupon; and there can be no entries,
paper clips, tape or correspondence, Included with your payment. If your
payment is in accedence with our payment instructions and is made
avalhble to us an any day would December 25 by 1:00 p.m. local time at
our post office box designated lot payments on this station ant we wit credit
the payment to your account as of tint day. If your payment Is In &=rile=
vAth our payment t inatnstiorw, but is made "table to us after 1:00 pm.
local time at pit post office box designated for payments on this statement
we will credit it to your account as of the tend day. N yo It do not fallow ea
payment instructions or if your payment is not sent by regular U.S. map to
our post office box designated for payments, crediting of your paynort may
be delayed for up to 5 days. Payments made electraacely through our
automated telephone service. Customer Service advisors. or our web site
vAll be subject to any processing times disclosed for those payments.
Account Information Reported to Crodk Beroaon: We may report
information about your account to credit bureaus. Late payments. missed
payments or other defaults on your account may be reflected in you credit
report. ri you thins we have reported inaccurate Inlomwtron to a credit
bureau, you may write to us at the Cardmember Service address fisted on
you billing statement
Native About Elesisaic Chock Conversion: Mum you provide a check as
payment. you authorize era elder to use Information from your dnalc to make
a onetime electronic fund inkier from your account or to process the
payment as a check transaction. When we use Information from yen aladk
to make an electronic had ttanefar. held; my be with rasm from yar
account as soon as the same day we mean your payment and you wlp M
receive your check bank from your firarotel instruction. CAI tlN customer
service number on gds stalamert if you hone questions about electronic
clock collection or do not card your payments collected electronically.
Conditional Payments: Any payment check or never form of payment gat
you send us for less it= the full belsnen due that is marked 'p+lo in frill' or
certains a similar notation. or tint you otherwise lender in full safiefehxion
of a disputed amount, must be sort to Card Services. P.D. Bak 15049.
Wilmington. DE 10650.5049. We reeawe all our fights regarding these
payments (e g.. if It Is determined time is no valid dispute or if any such
check a received at any other address, we may accept the check rid you
will still owe are remaining balance). We may refuse to accept ay such
payment by returning I to you nor cashing It or destroying It Ali other
payments that you make should be send to the appropriate payment address.
Areal Renewal Nike: If your account has an ammo lee, N will by blled
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when blind. The annual fee Is non-felumdable unless
you notify to that you wish to doss your account within 30 days of the dale
via mail your satemerd on which the annual fee is charged and attic semi
time, you pay your outstanding bebnce in full. Your payment of the annul
fee does riot affect our rights to due your account and to limit you fight to
make transactions on your account II your account is closed by you or us.
we will continue to charge tat annual fee until you pay your of tWndkg
bal2nce in full and tarminale your account relationship
F=rianaboe of Finance Chagas: We calculate vedodic trance charges,
using His applicable periodic rates shown on this statement separately for
each feature (s.g, balance ttonefedconveniew checks end cash advance
checks rchw* Ira action') purchases balance transfers, cash advances.
Promotional balances or ovordma advances). These calculations may
combine different categories with The ume daily periodic rates. N then Is a
'V° next to a periodic: rite on Oils statement that rate may vary, and Ida
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There Is a
mairoan finance charge in any billing cycle in which you owe arty periodic
finance charges, and a transaction finance change for each balance transfer
cash advance, or check transaction, in the amounts stated in your
Carom ember Agreement as amended.
To got Ih a doily balmhca for each day of the currant biding cycle, we take the
beginning balance for each feature. add arty new transactions or other debits
(including fees. unpaid finance charges and other charges). subtract any
payments or croons, and mow other adjustmente. Trenactiorw are added
as of tlN transaction date. the beginning of the baling cycle In which theyarc
posted to your account or a later dale of our choice (accept that check
transactions are added as of the data deposited by to payee or a later date
of our choice). Fees as added either on the date of a related transaction, the
date they are posted to ycluraccowt, or the last day of the bilig cycle. The
gives us that days daily baknce. A credit below$ Is treated as a bal ence of
zero. N a duly periodic tote applies to any lecture, we multiply the dally
balance by the duly periodic rate to get your periodic bums charges for
that day. We then add thus periodic finance charges to your dely balance
to gal the beginning bWntx fa the nest day. pf mots than one dally periodic
rate could apply band on the average dally balance. we will us the daily
periodic rate Oat apples for the average daily baknce amount at the and of
the bNthg cycle to manifest the daily periodic thu nce charge each day.)
To get ycr total periodic balance charge for a biphg cycle noun a daily
periodic rate(s) apples, we add all of the daily periodic finance charges for all
features. To debmrkw an average chilly balance. we add your dally bounces
and divide by the number of In days in the applicable biling cycle(s). It you
muhply the average dally balance for each lecture by the applicable daily
periodic rot& ant than mulrpfy each of true msrdls by the amber of days
In the applicable filing tycfe(c), and Own add all of dua results together, the
tool will also equal Our periodic fauna charges for the bi cycle, accept
for minorinrletlormdaato mundnp.To getyastotal periodic Onom charge
for a bllrg cycle when a mandgy periodic nte(a) apielon, multiply the
avemge dory balance for each feamro by the applicable montlty periodic rate
and add the neufla [opens The total will equal the perfock lknr oe charges
for the bung cycle, fiscal for miner variations due to rounding.
Bruce Purled (at hatl 21 days}
We accrue periodic finance charges on a transaction. fee, or fnmce charge
from the date it It added to your duly balance and payment In fill is
received on your account. However, we do not large periodic finance
charges on now purchases blled during a billing Wide N vie rotation both
payment of you Now Balance on your currant Statement by the date and
time you payment Is due and also payment of your New Balance on your
previous statement by the data and time your payment was due There is no
grace period for balance banters, cash advances, dads trarsacdonst, or
overdraft advances.
In adds ia• if Onto is a 'Qualifying Promotional Fiva"ll' section a
this dateeaeK you wll not hour periodic linmts alargas on any
Remaking Balem tiatappeen in that section g you pay that balance in ful
by IN applicable Etphradon Dam. To avoid fnnes charges on now
purchases when your Nov Balance Include; any Flornaming Brdance(s) in
the Oualifying Promolonaf Financing section, pay you fu New Balance
mime the toted of Chou Remaining BdwK*a) by the data and time your
payment is due. Ibeerver. N your statement shows #W e minimum payment
is due. we mot remit at lust gulf minimum payment by the data and Our a
specified On your aralemem, even I your New Balance its only of
OwBfyhg Promotional Firuncing balances.
Also, for some 4udityinq Promotional Financing balances. period finance
charges scam during the promotional period but sm not added to your
account balancer. [mind. thy;ccumuhta from bNtng cycle to billing arcle.
This is referred to as 'deterred interest" N a deferred interest Ouslifykhg
Promotional Financing balance is rat paid in full by tlN applicable Expiration
Data, to deforri d from charges wiN be added to your accounted soon as
the first day after the Expiration Date, Further, it you default under the arms
of your Cardrnember Agreement, the defend finance darpes will be added
to your account as soon as the date of default.
BILLING RIGHYB SIMAARY
In Can d Entire or Booftra About Your BID: If you thhk your bill is
wrong. or if you reed mom Idomation about a transaction an your big, write
Cmrdmember Servka on a separate shad at P.O. Box 15299 Wlmirgton, DIE
19650-5290 as acct as poessible. We moat hear from you no later than 60
days alter we sera you the Bust bill on which the error or problem appeared
You con telephone us. bid doing se will not preserve you rights.
In your War. give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe file errorand &plai . if yo u ran, why you believe there is on error.
N you need more lofonnatlen. describe the Item you are ensure about
You do not have to pay any amount In question while we art In esdgaling,
but you are still odigerted to pay the pars of your bill that are not in
ques ion. While we Investigate your question. we cannot report you as
detrnquae or take action to oodect the amount you k}asdon. If you have
authorized us to ply you credit card bill automaticallyftoro your savings or
cheddrnp accout, you can star the payment on any amount you oink is
wrong To stop the payment. your letter or cal (using the Cardmembor
Service adding or telephone numtar shown an this statement) must ranch
ha at least three business days before the automatic payment is scheduled
ID occur.
special Ruh for Credit Card Purchases: If you have a problem with the
quellly of goods or services sat you purchased with a credit card (excluding
purchases made with a chock). and you have tried in good faith to correct
tie problem with the merchant, you may not hove, to pay the remaining
amount due on the goods or services. You have trds protection only who
the purchase price was more then S50 and the purchase was made in your
home state or within 100 mite of your mailing address. These limilations,
do not apply if we own or operate the merchard, or if we mailed you the
adventawourx for the property or services.
MAM2tn
Oct 29 2007
Page S of 77 Oct 29 2007
Statement for account number-: 5401 6830 1007 7753 ?"?
Now Balance Payment Due Date Pad Due Amount Minimum Payment !e` der§
54,463.47 06/2W07 $549.00 $1,201.47 D19CSis
Make check ppaayyaWSto Cho* Card Services.
Amount Enclosed New $ aadarrs or e-msl7 Print on n back.
5401683D1D07776300120147D04463470000009
03W BDC 0 la5D7 c
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSBURG PA 17056-4337
III 1111011x111111111151111 alai 011111111111111111 fill 11111111.1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198855153
1111116.11111..a11L.IIL.L11.011.11 111111111 6....1L 111111
1:50001160284 209301100777633gx
Operrng/ClosirgData- 05007-0SW/07 CUSTOMER SERVICE
R*er? Due Dete: ?mw in U.S. 1-BBB-647-1279
1gC$ts M nimum Payment Due
& 51 201.47 Espanol 1-666-446.3308
TDD 1-800-956-8060
Pay by phone 14304436-7959
Outside U.S. cap collect
1.302-694-82oo
MASTERCARD ACCOUNT SUMMARY Account Number. 5401 68301007 TM
Previous Balance $4,453.47 Total Credit Uns ACCOUNT INOUIRIES
000
$4• P.O. Box 15298
New Balance ,463.47 Available Credit SO Wlniklgton. DE 19850.5298
Cash Access Line Saw
Available for Cash SO PAYMENT ADDRESS
P.O. Box 15153
Wlknklgton, DE 19888.5153
VISIT U8 AT:
lw w.chase.mrNcrediicards
You haven't made the required payments and your credit card account is 90 days past due. As
a result, your credit bureau may be updated with a negative rating. Please send your payment
Immediately or cap us at 1-804 95549030 (collect 1.302.354-8200) today.
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Corresp. Average Daly Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rah Fee Fn Charge CHARGES
Purchases 00000% 0.00% S72727 $0.00 $0.00 $0.00 $0.00
Cash advances .1)0000°% 0.00% 50.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .000009A 0.00"16 $3.73620 $0.00 $0.00 $0.00 $0.00
Total finance charges
$0.00
Effective Annual Percentage Rate (APR): , 0.00%
Please see Information About Your Account section for balance computation method grace period. and other Important Information.
The Corresponding APR is ft rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total thence charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 REM= C 3 000 Y 9 04 07.08*4 Pipe 1 of 1 01721 MA MA 00634 1551 DI
Page 9 of 77
Address Change Request
Please provide information below orgy if the addreas information on front is inoorreat.
Street Address: ---------------------
City: -----------------
State: --
Zip: ----- ---
Home Phone: --- --- ----
Work Phone --- --- ----
E-mail Addreae: --------------------
7
L
Information "at Yong ftcom!
Lest er ttolm Cable: Please report your lost or stolen card immediately by
calling the Customer Service number touts an the front of your statement
A(Msors are ahsays available to assist you. You can reach an Advisor by
pressing 0 altar you enter your account number
Crediting of PWmembx For payments by regular U.S. mail, send at least
your minkntm peyman dus to our post office box designated for payments
shown on this statement Your payment by tail must comply with the
instructions on this statemenl. end must be made by check or money order
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or de U.S. branch of a foreign firrecal institution Do not send
cash Write your account ri mber on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided vide
our address visible through tie envelope window; the Prwelope cannot
contain more than one payment or coupon; and there can be no choose,
papa caps, tape or correspondence Included %-An your payment If you
payment is in accordance with our payment Instructions and is node
avalaWe to act on any day except December 25 by 10D p.m. local tlme at
our post olfice box designated for payments on tits Mount. we will edit
the payment to your account as of tat day. It your payment Is In accordance
MM our payment instruGiore, but is made "We to us after 1:DD pm.
local time at our post off cc box dui printed for payments an this statement,
vat will credit it to your account as of IM nod day. N yo s do not fdbn our
payment instructions or if your payment is not sort by regular US. ref to
our post office box designated for payments, credidng of your payment may
be delayed for up to 5 days. Payments made degrorii, y through err
automated telephone service. Customer Service advisors. or our web site
vdll be subject to any processing times disclosed for those payments.
Account Iafereastim Reported to Credit Bsmaa: We may report
inlarmation about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in you credit
report. If you think we have reported Inaccurate Information to a cradh
bureau, you may write to us at the Cardmember Service address listed on
you billing statement
Notion About Else' afe Cheek Camorsim: When you provide a check as
payment you authorize us e1Mer to use Inometon from your dneak to make
a one-time electronic fund transfer from your account or to process tin
payment as a check transaction. When we use Inormaton from yaw deck
to make an eloctroric fund tra afar, lulls may be MMdawn from your
account as soon as the seen a day we receive your payment, and you will rot
receive your check back from your Snanclal ln&#W#on. Cal Via customer
service amber on this stelement if you have quesios about alectionic
chock collection or do riot vin your payments collected slectranicaltir.
Cafitional Payments: Any payment check or other form of payment that
you sand us for less than the full balance due that is marked "paid in full' or
contains a similar nation. or gat you otherwise tender in full satisbcdon
of a disputed amount, must be sent to Card Services, P.O. Box 15049
Wilmington. DE 19850-5049. We reserve all our 6" agarthep theca
payments (e.g.. If it is determined them is no valid dispute or It ary such
check is received at any other address, we may accept the check and you
vdll still owe any remaining balance). We may refuse to accept any such
payment by returning it to you. not cashing it or destroying it AN other
payments that you make should be sent to the appropriate payment address.
Asseal Renewal Mollie: If you acooud hes an anmrN let. R will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when filled. The anuel fee ltnon-refundable unless
you notiy, to tml you wish to close your ac out within 30 days of Me date
we mall you statement on which am arawel The Is charged and at tro same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to dose your account and to limit your dight to
maka transactions on you accont It yourmem" Is closed by you or us.
we MII continue to large the annual fee until you pay your outstanding
balance In full and terminate your account relationship
Explanation M Fiume Charges: We calculate periodic finance drorgas,
using the applicable periodic rates show an this statement separately for
each feature Wg, balance tmnsloricorweriace etecke erhd cash advance
checks ('check transaction') purchases. balance transact, cash advances.
promotional balances or ovefdmh advances). These calculations may
combine different categories with the same dolly periodic rues. If Owe Is a
"V" next to a periodic rile on this statement. that rate may vary, and the
index and margin used to determine that rate end is corresponding APR are
described in your Cardknamber Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
fiance charges. and a transaction finance charge for each babncs transfer
cash advance, or check transaction, in the amounts stated in you
CardmemberAgreement as amended.
To gel the dally balance for each day of the current billing cycle, we tube the
beginning balance for each feature. add any new transactions or other debits
(Inducting fees. unpaid finance charges and other charges) subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction dab, the beginning of Me billing cycle in which they are
posted to your account or a later date of our choice (except that check
transactions are added as of the date deposited by the paysa or a later data
of our choice). Fees areadded either on the date of a rdaled transaction, the
date May are posted to your account, or to but day of the billing cycle. This
gives us that dells dolly balance. A credit balance is treated as a balance of
zero. S a dolly periodic rate sots to my feefure, we muldpy the dally
balance by the daily periodic rate to get your periodic Branca charges for
that day. We then add thus periodic 8nanca charges to your dally balance
to get the beginning balance for to nett day. 01 more Oren ore daily periodic
rate could apply based on the average dolly balance. we will use the dairy
periodic rats that applies toy the average duly belnce amount at the and of
the bikg cyder to calculate the daily periotlk flnuencer charge each day.)
To gel you total periodic Brous charge for a billing cycle when a daily
periodic cab(s) applies, we add all of the dally padto* flnanca verges for all
features. To determine an overage ally babna. re add your dally balances
and divide by Be number of to days in the applicable billing cycleds). If you
muW* On ovecep dolly balance for each Iksture by the eppik able dally
periodic rate, and then mA* each of these resells by the number of days
In the applicable Wiling cycle(s), and them add all of the reudm together, the
total will also eWat to periods fee ram charges lot the billing cycle, except
forminoryaitllom dm to rounli g. To got your oral petbeae nernce eherge
for a biting cyche when a monlNy periodic are(a) apples, multlpy the
average dairy ba4nce loreach feature by ft applicable montldy periodic rate
and add its resufls togetex The Intel wll equal the periodic flestrece changes
for the billing ryals, except formicorvariations due to rounding.
Grace Period (at bW 26 dgak
We accrue periodic finance damn on a taymction. fee, or & moo charge
from its dab ft Is added to you dally balance end payment In full Is
received on your account However, eta do rot large periodic finance
charges on raw purchases billed during a billing cycle If we retain both
payrtrea of you New Balance on your current statement by the date and
time your payment Is der and also payment of you New Balance on your
previous statement by the dab and time your paymena =a due. Them is no
grace period for bounce transfers, cacti adurrces, duck transactions. or
overdraft advances.
Is oddities, it bare is a •Ouallying Promotional Fiaamiy' amlien an
this abbo@K you tall not incur periodic fonts charges on any
Remaking Beams Mat appears n thodsal ton t you pay drat baance in full
by the applicable Expiration Data. To wold liana charges on new
purchases weeks your New Balance includes any Remaining Badanco(s) in
the Dudlfying Promotonal Financing action. pay you fug law Balance
minus the oW of Mow Rameikdnp Bdace(s) by the dab and time your
payment is due. lawaer. Hyourabbmmt shows tetra mininum payment
Is due. we mat receive a1 Iand Mat minimum payment by the data and tlm e
specified an your sbbmen, wen it your Now Balance consists only of
Oualifyng Promotonal Financing balances.
Also, for sores Qualifying Promotional Financing balances, periodic firenco
charges amnia during the promotional period but are not added to your
account balm. lobed, troy, accumulefa from billing cycle to ailing cycle.
This is referned to as 'deterred Interest' N a deferred interest Ousliyng
Promotion d Financing balance be not paid in tug by this applicable Expiration
Data, ihe deMred fiance charges will be added to your account as soon as
the first day after M Expiration Data. Further, if you default under the arms
of your Cardrnemnbar Agree heart the deleted finance charges will be added
to you account as soon n the data of default.
BILLING RIOTS SIIMIURY
In Case of Erfm or Ouegtem Allied Year balk If you it" your bill is
wrong ord you nod more information about aImemacion on your bit, write
Cankne ter Service one sepnb shed at P.O. Box 15299 Wfaminglon, OE
19950.5299 as winners possible. We must hksr from you no later thin 60
days afar won sort you thegat bN onwhich the eror or problem appeared.
You con telephones us, but doing so will not pros iv r your 6".
In your knew, gm us tro 1olIneving information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the ernerand explain. Byo u can, why you believe there is an error.
If you need more ntormatoa. describe the them you are unsure about.
You do not hive to pay any amount in question Mgkn won are Investigating.
but you ace seat obligated b pay the parts of your all that are not in
gweton. White we Investigate your quesdon. we cannot report you as
delinquent or take action to odes the amount you question. It you have
aufhorlaed us to pay you crack card bit eutamadcaly from your swings or
chedknT' ccount you can stop the payment on ary amount you think is
wrap. stop the payment. Vow letter or cal (using the Cardmember
Service address or telephone number shorn on this statement) must roach
us at last Vie" business days before M automatic payment is scheduled
to occur.
Special Rekn M Credit Card Perdatec It you have a problem with the
quaky of pat or sews that you puchased Mlh a credit card (exclning
purchases made wide a cheeky. and you have tried in good brat to correct
the problem with the merchant you may not two to pay the remaining
amount der on the goods or services. You have Ihb protection only when
the purchase price was more than S50 and the purchase Was made in your
home date or wihn 100 miss of your mailing address. Those limitations
do not apply B we own or operate the merchant, or if hie mailed you the
advarbsoment for the property or services.
MA]21207
Oct 29 2007
Page 6 of 77 Oct 29 2007
Statement for account number: 5401 68301007 7763
New Balance Payment Due Date Past Due Amount Minimum PaymaM Peqderv
54.463.47 07/29/07 5738.00 $1,29D.47 Dlge8te
Make your chsok payable to Chase Card Services.
Amount Enclosed $ New addra9E or e-nW7 Print an back
540168301007776300129047004463470000001
meal at0C9 MOTC I.11111rlolls 11.I1.I..Ilr1.1.ltt..11.111..r l)rrl.l..rll..ll..l
ANDREW J KREIDER
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15153
WILMINGTON DE 198865153
Irr.III...ill...11.1. Lr11r6.IL.JLIn1111.U.rll.u1111
is 5000 1,60 281: 209 30 1,00 7 7 7 6 3 311e
Opening/Cloairg Date: t16f05f07.07/04/07 CUSTOMER SERVICE
hgpeaders
Payment Due Dale: 0712WO7 In U.S. 1-888.647-1279
Digests Mnimum Payment Due: S1,29047 EspaW 1-888-4463308
TDD 1-804955-8060
Pay by Ph.. 1-800.436-7968
Outside U.S. cal collect
MASTERCARDACCOUNT SUMMARY Account Number. 540158301007TM 1-302-UM-820D
Previous Balance $4,463.47 Total Credit Line ACCOUNT IN OUIRIES
34• P.O. Box 15298
New Balance ,46147 Available Credit SO Wilmington, DE 195545298
Cash Access Une S800
Available for Cash SO PAYMENT ADDRESS
P.O. Box 15153
WflrMngton, DE 19866-6153
V161T US AT:
waver.chase.c ,W rediicafda
It's not too late to resolve the outstanding balance an your craft card account. We have a
variety of payment options that may be right for you. Cal 1-MB-792.7547 (collect
1-302-594.8200) today
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Correap. Average Daly Due To Transaction Accumulated FINANCE
Category 30 days in cyda APR Balance Periodic Rata Fee Fin Charge CHARGES
Purchases .00000% 0.00% S72727 $O.OD $0.00 $100 $0.00
Cash advances .00000% 0.00% 50.00 $0.00 $0.00 $0.00 $0.00
Balance transfer DD000% O.DD*4 $3,736.20 $0.00 $0.00 $0.00 $0.00
Total finance charges
$0.00
Effective Annual Percentage Rats (APR): 0.00%
Please am Infornalon About Your Account section for balance computation method, grace period, and other Important Information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction calegory.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS733M C 3 000 Y 9 D4 07:17704 P.9.1 of t 01721 MA MA 03907 1BSIODODD300DO399101
Page 7 of 77
Addreae Change Request
Please provide information below only B he address information on front is inGorreol.
Street Address: ---------------------
City: ----------------
State: --
Sup: ----- ---
Work Phone
E-read Address:
L
Blom alon Abort Yost Accord
Loot or Itden Carle Please report your lost or stolen card Immediately by
calling the Customer Service mober foul on the front of your steternent.
Advisors are ahvays available to assial you. You can reach an Advisor by
pressing 0 after you enter your amoux number.
Crediting of Paraesafa: For payments by regular U.S. mail, sand at least
your mnkmen payment due to our post office box designated for Payments
shorn on this statement. Your payments; by mall must comply with the
instructions on Urs statement. and mug ha made by cheok or moray order.
payable in U.S. Collars, and drawn of or payable through a U.S. f rancial
insfitukon or the U.S. branch of a foreign financial nstthdian. Do not send
ash Write you account ember on your dude or to oney order. Payments
m ust be aeampardad by he payment coupon In the envelope provided vAlh
our address visible through the anvolepe window; the envelope cannot
contain more than one payment or coupon; and There can be no stoles,
paper chips, tape or correspondence included eAlh your payment H you
payment is in accordance with our payment nstruction$ and is Mao
available to us on any day except December 25 by 1:00 p.m. load time at
our post office box daagrmted lot payments on Ode seem enL we rmil credit
the payment to you acceunt as of that day. N your paymnt is n accordance
with our payment instnictims, but its made available to us after IN p.m.
local barest our post ollce box designated for payments on this statement
%is will credit it to you acaurd ss of the next dry. If you do not fobs our
payment instnutions or if your payment is not more by regular U.S. mail to
outpost office box designated for payments, creftg d your payment may
be delayed for up to 5 darts. Payments made dectronialy through our
automated tanphax service. Customer Service advisors. or our will she
all be shbieet to any processing times disclosed for those paymeds.
Account Information Reported to Credit Remove: We may report
information about your account to credit bureaus. Late payments. missed
Payments or other dehtdts on your &=we may be reflected in your credh
reporL If you think we he" reported Inaccurate Information to a credit
bureau, you may wife to its at to Cardnember Service address fisted an
you billing statement
Notice Akad Eleeentak Cheek Conversion: When you provide a check as
payrnanl. you authorize us either to use Mention from your check to make
a one-time donnn nits fund transfer from your account or to D110111 the
paymani as a check taksadion. When we use information from your chuck
to make an electronic fund [ranter, herds may be wiltdrown ham you
account as soon as the same day we receive your payment, and you will not
receive your check back from your fkunclol Institution. Cal the customer
service number on this statement if you have questions about dectronic
check collection or do not creel your payments collected electronically.
Conditional Payments: Any payment check or other forte of payment tat
you send us for lass than the full balance des that Is marked "pale) in tuir or
contains a similar notation, or that you otherwise tender in full sedishation
of a disputed amount, must be soft to Card Services. P.O. Box 15(19.
Wilmirl gtn, DE 10850-5049. We reserve all our rights regarding these
payments (o.q.. 11 It Is determined two is no valid dispute or if any such
dhedk is received at any oft address, we may except the check and you
will ntdl owe any remaining balance). We may refuse to accept cry such
payment by returning it to you. net cashing R or destroying It At other
payments that you make should be sent to the appropriate payment address.
Animal Renewal Notice: It your account has an annual lea, it all be billed
each year or in monthly installments. whiffler or not you use your account
and you agree to pay It when bilad. The anual tee is non-refmdebN unless,
you notify us that you wish to dose your account within 30 days of the date
we mail you statement on which the amid fee Is charged and at the sane
time, you pay, your outstanding baluhce in full. Your payment of tiro annual
fee does not affect our lights to dose your acaud and to limit your fight to
make transactions on you account If your accouri is dosed by you or us.
ere will continue to charge the annual In until you pay your outstanding
balance In full slid terminate your account relationship
Explanation of Fission Charges: We calculate periodic finance dharges,
using the applicable periodic rates shown on this statement separately for
each festurs (eg, balance tranelerkornvernenae chKb and cosh advares
checks rehedk tranudon') purchases balance tranafers, ash advances.
Promotional bdarcas or overdraft advances). These calculations may
combine differed comprise with the same daily periodic rates. If there Is a
"V" next to a periodic rate on this statement that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement as amended. There Is a
minimum finance charge in any biting cycle in which you owe any periodic
finance charges, and a transaction finance charge for inch balance busier.
cash advance, or check Irauhadion, in the amounts stated in you
Carchn ember Agreemant asamended
To get he day balance for each day of the current billing cycle, we, tab the
beginning balance for each feafum add any new trahsactons or other debits
(including fees. unpaid finance charges sped other charges) subtract any
pavMrft or credits, and make ohs ad)ustmems. Transactions are added
as of he Iransacdon dale, the beginning of the hiring cycle in which they are
Posted to your account or a later dale of our choice (except that chock
transactions are added as of he data deposited by he payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
7
date they are posted to your account, or tre lest day of the billing cycle. The
gives as that dais daily balance. A credit balance Is treated me a balance of
zero. U a dally periodic rate applies to any taature, we mhdtpy the dally
balance by the daily periodic rate to get your periodic lance charges for
that day. We than add theca periodic Inmoe charges to your dally balance
to get the beginning balm for tie next day. Of more Ilan one dimly periodic
rate could apply based an the waape daily balance. we will use the dally
periodic raft that apples for t average dally luleree amount at the and of
the billing cycle to alculate the dally periodic finance charge each day.)
To get you total periodic fauna charge for a billing cycle when a daily
periodic raft(s) apples, we add all of to daily periodic Ihaxx charges for all
fashion. To determine an average dally balance we add your daily balances
and divide by the number of l he days in to applicable biAkp cyclists). If you
multiply the average dally balance for each figure by the applicable dally
periodic role. and than m ulipy each of tests resul6 by he amber of days
In the applicable Willing cyda(a), and then add all of he media together, Am
toles will also equal the periodic france charges for The bilft cycia, accept
forminervorled"duetorounding. Togeyour total pedoillclinorloo charge
for a bung cycle when a monthly periodic rate(s) apples, mullipy the
avenge daily balance for non feature by the applicable menMy periodic rate
and add the results tagetlel The lout will equal the periodic finance charges
for to billing type, except for minor vuiatons due to rounding.
Grace Period (at lead 29 deysg
We accrue periodic finance chores on a transaction. fee, or ihenla charge
from the data It Is added to your dally balarwe entl payment In full is
received on your account. Harrower, to do not large periodic finance
charges on new purchases bided during a billing cycle P we receive both
payment of you New Balance on your curet statement by the date and
time your payment is duo and also payment of your New Balance on your
prwious statement by the date and time your payment was due. There is no
grace period for belarn transfers, call advarm clack transactions, or
overdraft advances.
In arldhion, if then is a 'Qualifying Premotaml Finsecieg' section on
thin ntntamcet, you will not keor periodic finance charge on any
Remaining Baluma that appears in that section I you pay that balance in full
by the applicable Expiration Dale. To avoid tburhce charges on new
purchases when your New Balance includes any Remaidnq Betance(s) in
the Oualltytng Promotional Financing section, pay your full Nov Balance
mina the loud of tilde Remaining Itdaha(s) by the due and the your
paymad is due However Nyour statement shows finds minim um payment
is des. we must receive of Was that minimum payment by the date and tm e
specified an your sulement, wen N your New Balance consists only of
Orolfykg Promotional Financing balances.
Also, for some Qualify' Promotional Financing balances, periodic finance
charges accrue during to proffatoal period but are not added to your
account balance. Instead, they accumulate from blikq cycle to billing cycle.
This is referred to as'detarrd informal' If a deferred inlerest Oallyno
Promotional Fmoncing balance is not paid in lull by the applicable Expiration
Date, die deterred be= charges will be added to youncco nt ms soon as
the find day after the Expiration Date. Further, B you default trader Me terms
of your Cardmamber Agreement the ddered finance charges will be added
to your account as soon as the dale of default.
PILLING RIGHTS SUMMARY
he Can of Ewen or Questions Ahmed Yew halt N you hktk your bull Is
wrap or N you need more information about a lonsaefon on your bit, write
Caranamber Service an a separate shad at P.O. Bark 16299 Wilmington, BE
1985M299 me am as possible. We mat hear from you no leer thin 60
days after vee sent you the first bit an which the error or problem appeared.
You an tdaphhora us. but doing so will not preserve your dyhu.
In your later. give us to following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the arorand explain. H you caR wiry you believe Morris an error.
If you need more information. describe the hum you are unsure about.
You do not have to pay any amount In question while we an Invulgating,
but you am stilt obligated to pay the parts of your bill that are not in
question. Me we Investigate your question. we cannot report you as
delinquent or take action to soled the amount you quesdion. If you have
authorized us to pay your credit card bit sutematially from your swings or
chtc king account you can stop the payment on any arTOaht you think is
wrong To slop the payment. your letter or al (using the Cardmember
Service address or telephone number shown on tide stsumant) must reach
us at least twee business days before fro automatic payment is scheduled
m occur.
Special Rule for Credit Card Purchases: If you have a problarn with the
qualy of goods or services tlut you purchased Wit a credit card (nkdudnq
purchases made with a check). and you have tried in good frith to correct
the problem with he married, you may not have to pay the remaining
amount due on the goods or services. You have this protection only w hate
the purchase price was more than S50 and the purchase was made in your
home state or rvitrn 100 miles of your mailing address. Those limitations
do not apply if we own or operate to merchant, or 'd we mailed you he
advertisement for he property or services.
MAM,'-.,
Oct 29 2007
Page 4 of 77
StatemeM for account number: 5401 683D 1007 7763
New Balance Payment Due Date Past Due Amount Minimum Payment Uveader§
54,463.47 oar2M7 $627.00 $1,379.47 Digests
Amount Enclosed 1 $ Make your check payable to on Chase back Services.
$ Now address or *-mall? Print an EacK
540168301007776300137947004463470000003
0741813EX 9 21807 C
ANDREW J KREIDER
3 PHEASANT CT
MECHANK SBURG PA 170554337
1n 1111111.11111111111114111111 n111111w11.1 111Ur11.111111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198655153
IrrrIIL..IILrrrLIr11J4.1111•r11r.41LLrrllll.rr.IL4r1111
1:5000 L60281: 20930 L00777633112
Opemng/Cber4gDate- 07/05107-O IUW CUSTOMER SERVICE
Payment Due Date:
Readers
Minimum Payment Due'. W29107 In U.S. 1.888647-1279
S1
379A7
Digests ,
pfid
?
TD
o
I-SW
Pay by phone 1-800-436-7968
Outside U.S. call oollect
1.302.594-8200
ACCOUNT INQUIRIES
MASTERCARD ACCOUNT SUMMARY Account Number: 8401 511= 10077763 P.O. am 1639
Previous Balance $4,063.47 Total Credt Une $4,000 Wilmington, DE 19860-6298
New Balance ,463.47 Available Credit SO PAYMENT ADDRESS
Cash Access Line SSW P.O. Box 15153
Available for Cash SO Wilmington, DE 1988&5153
VISIT US AT:
www chase com! red -rd
You havenl made the required payments and your cradd card account is 150 days past due.
You can still turn things around. Cad us today at 1-888.792-7547 (collect 1-302-594-8200) so
that we can find a solution for your situation.
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Perkx is Rate Fee Fin Charge CHARGES
Purchases 00000°4 0.00'16 S72727 $0.00 $0.00 $0.00 S0.00
Cash advances 00000°4 0.00"16 50.00 $0.00 $0.00 $0.00 50.00
Balance transfer 00000"6 0.00"4 $3,736.2D $0.00 $0.00 $0.00 SOHO
Total finance charges $000
Effective Annual Percentage Rate (APR): 0.00%
Please see information About Your Account section for balance computation method, grace period, and other Important Information
The Correspond!% APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - Including transaction tees
such as cash advance and balance transfer fan - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS333M C 3 000 Y 9 04 07,08.04 Page 1 011 01721 MAMA 07415 21810000030000741801
Oct 29 2007
Page 5 of 77
Address Change Request
Please provide information below only t the addrew information on front is incorrecL
Slicer Address --------------
oily: -----------------
State: --
Zp: ----- ----
Home Phone: --- --- ----
Work Phone --- --- ----
E-mail Address: --_-----------------
7
L
tutonnafion About Year Account
Lost or QNen Carle Please report your lost or stolen card iman actively by
calling the Customer Service member found on the from of your statement.
Advisors are always avelable to assisl you. You an reach an Advisor by
pressing 0 after you alma your acomart number.
Credliag of Paymealc For payments by regular U.S. mail, send at least
your minimum payment dua to our post office box designated for payments
shown on if* statement. Your payments by mal must comply with the
instructions on this sbternent and must be made by check or money order.
payable in U.S. Dollars, and drawn on or payable Through a U.S. financial
institution or the US. branch of a foreign financial instWtion. Do not send
cash Write your account number an your check or money order. Payments
m ust be accompanied by the payment coupon In the envelope provided with
our address visible through the envelope window, the envelope control
contain more than one paymam or coupon; and there can be no &Was,
paper tips, tape or correspondents Included with your payment. If your
payment is in accordance with our payment instructions and is mode
available to us on any day except December 25 by 1:00 p.m. local tlma at
our post olke bosdedgnated lot payments on this statement, we wit credit
the payment he you atuunt is of flat day. If your payment is In accordance
vdth our payment inctnrciorha, ban is made available to us attar 1:00 pm.
local line at our post office boxdssigneted for payments an this satt:mmt,
we wel credit If to your account as of that next day. If yo u do not fallow our
payment instruetians or if your payment is not sett by regular U.S. mail to
our post office box designated for payments, crediting o (your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone movies. Customer Service advisors. or our web a_ito
vdti be subjem to any processing times disclosed for tense payments.
Acceual Isformatles Reported to Credit Bareass: We may report
information about your account to credit bureaus. Late payments. missed
payments or other defaults on your account may be reflected in your credit
report If you think we two retorted Inseeunto Information to a credit
bureau, you may write to us at to Caidinember Service address listed on
your Mang statement
Notice About Eta I , -e Cheok Conversion: When you provide a check as
payment. you authorize us enter to arse Information from your dheckte make
a one-time doctrolc fund transfer Iron your account or to process the
payment as a chalk tmnuacton. When we use information from your check
to make an aloctrunic hid transfer. feeds may be withdrawn from your
amount as soot as the same day we recent your payment, and you will not
receive your check back from your financial Inslitirden. Call it* customer
service number an 1Ms statement it you have questions about electronic
check collection or do not want your payments colecfed electronically
Coodifional Psymorde: Any payment check or otter form of payment that
you send us for lass tan the full balance de. That Is marked 'paid In tut' or
contains a similar natation. or tatyou otherwise lender in ful satisadion
of a disputed mount, must be sari to Card Services, P.O. Bank 15049.
Wilmington. DE 108503049. We massive all our rights regarding those
payments (e.g. It It is datamIned there is no valid dispute or If cry such
check is received at any other address, we may accept the check and you
will still owe anW, remaining balance). We may refuse to accept any such
payment by returning it to you. not cashing It or datroylnp it AN other
payments that you make should be sent to the appropriate payment address.
Amoral Renewal Natea: If your somurd has an annual fee, R will be bled
each year or in mantty installments, whether or nor you use your account,
and you agree to pay R when billed. The mull fee is nom-refundable unless
you notify is that you wish to dose your account within 30 days of the date
vn mall your statement on which Our annual fee Is charged and at the woe
time. you pay your ousan6rg balance in full. Your payment of to annual
fee does not affect our fights to dose your account and to limit your ham to
make transactions out your account If your account is closed by you or us.
vie will continue to charge the annual ties until you pay your outstrxdkxg
balance in full and armoale your account relationship
Explanation of Fiesae Charges: Wo calculate periodic firarce charges,
using the applicable period a rates shown an this statement separately for
such feature (e.g, balance transforiccthwrdence checks and cash advance
checks ('check transaction'). purchase balance transfers, cash advances.
promotional balances or overdraft stknca). These calculations may
combine different aatagoria with the some dally periodic rates. If two is a
'V" next to a periodic rate on Mk statement. that rate may very, and the
index and margin used to determine that tale and is corresponding APR are
described In your Cardmomber Agreement. as amended. Them is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charge, and a Inimactlon finance charge for each balsna Imns(er.
cash advance, or check transaction, in the amounts stated in your
Cardinember Agreement as amended.
To gat the day balance for each day of the current billing cycle, we tale the
begiming balance for each feature, add any new transaction or other debits
(including fen. unpaid finance charges and other charges) subtract any
Payments or trades, and make other adjustments. Transactions au added
as of t e transaction dale, the beginning of the billing cycle in which they are
posted to your account or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date twy are posted to your account, or M last day of the bilbtg cycle. This
gives us that days dally baence. A credit balance Is trated as a balance of
zero. If a daily periodic rate applies to any feature, we muldley the dally
balance by the fumy periodic rate to get your periodic finance charges for
that day. We then add theca periodic finance charges to your defy balance
to gatthe beginning balance ice the next day. gf more, Ten one daily periodic
rate could apply based on the average daily bounce. we will use die dally
periodic rate that apples for the average daily balance amount all the and of
the filing cycle to calcWate the dally periodic finance charge each day.)
To get your total pariocic finance charge lot a tiling cycle when a daily
periodic role(s) apples, we add all of the wkly periodic finance darga for of
features To delemhia an average daily bdnte hve add your day balances
and divide by the number of to days in the applicable bilkV cycle(s). If you
multyly the average daily batsncce for each feature by the applicable daily
periodic rate. and than mullpy each of thaaa results by the number of days
In the applicable billing tyde(s), and than add al of the rasds together, the
told will also equal the periodic finance charges for the birrhg cycle, except
for minorvoriedms due to rounding. To getyour total periodic fiance cha rye
for a bling cycle when a mori y parkpdc rate(s) apples, mdtlply the
average daily balance for each feature by the aplicable moothy periodic rate
and add the results big" The foal will equal the periodic Mace charges
for the filing cycle, except for minor variations due to rourdinit.
Show Period (d load 28 dale):
We aocrp periodic finance charges on a transaction. fee, or finance charge
from the dale it is added to your daily balance until payment In full Is
received on your account Homer, in do net charge periodic finance
charges an raw purchases filled during a Mlfiag cycle t we receive both
payment of your New Balance on your current sktamnt by the date and
time your payment Is due and also payment of your New Balance an your
previous s shenoM by the data and time your payment was die. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft adanaas.
In addition. if were is a "gratifying Promotional Sweeping" mclien a
this ileleaase, you will not Incur periodic finance charges on any
Remaining Balance tat appears in Out section 1 you pay that balance in ful
by the applicable Ex ndlon Date. To avold finance charges an now
purchases when your Nov Balance includes any Remaining Bdam*s) or
the OwIllying Promotional Ranging sec/an, pay your full New Balance
minus to lost of those Remaining Balance(s) by the date and time your
paymaud Is due. However If your stallamont shows tata minim urn payment
Is due. we must receive at least that minimum payment by the date and Our e
OceedNyiadu??uur statement even it your New Balance consists only of
hanchtq belanca.
Also, for some Du living Promotional Financing balances, periodic finance
charges aurae during the promotional period bud are not added to your
account balance. Instead. Thy accumulate them billing cycle to billing cycle.
This is referred to at "deferred Interest." t a deferred interest Onllying
Promotional Financing balance Is not paid in lull by the applicable Expiration
Data, the deterred firenp carges will be added to your accountas soon as
the first day after the Expimlian Data. Further, if you dekull under the ems
of your Cardmember Agreement Me deferred finance charges; will be added
to your account at soon as the dale of default.
BI UM RMHT8 SUMMARY
In Case d Hrers or Questions About Yew BNb t you t** your bill is
wrong. art you need more information about a transaction an your bill, rrrke
Cardmomber Service on a separate shat at P.D. Box 15299 Wilkninglon, DE
18950.5298 a soon as possible. We must hear from you ne later Men 60
days after we sent you the first big our which the error or problem appeared.
You can telephone a. but doing so ufl not preserve you fights.
In your Iweer, give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you man, why you believe there is an error.
If you need more Information describe the them you are unsure about.
You do not have to pay cry amount In question while we an Investigating,
but you am out obligated to pay the parts of you bill that am no in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect do amount you question. If you have
authorized us to py ymr credit card bill sukmatcatlyfrom your savings or
chsdkig m t, you can stop the payment on auy amount you tank is
wrong. o slop the payment. your letter or al (using the Cardmember
Serviceaddion or telephone number shown an this settlement) must reach
us at last three business days before fie automatic payment is scheduled
to occur.
Special Rae ter Credit Card Purchases: t you rave a problem with the
qualy of goods or services that you purchased W I h a credit card (excluding
purchases made with a check) and you have that in good faith to correct
the problem with the merchant, you may rat have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than S50 and tw purchase was made in your
home staa or within 100 miles of your maifing address. These Iinilations
do not apply if we own or operate the mordant, or if rn mailed you the
advertisement for the property or services.
MA021207
Oct 29 2007
Page 2 of 77 Oct 29 2007
Statement for account number: 5401 6030 1007 7763
New Balance Payment Due Date Past Due Amount Minimum Payment eader?
54,463.47 OM29/07 $916.00 $1,465.47 UIN.Digests,
Amount Enclosed Make your check payable to Chase Card Services.
$ New aWraw or a-mall? Print on back
940168301007776300146847004463470000004
06562 SEX a 24707 C
ANDREW J KREIDER
3 PHEASANT CT
MECHANICSSURG PA 170554337
L1dILL.1..1.L.r..IL.J91999.ILIJ1991L919199911.91L91
I 11. 111. 1611l a 9191111. I.1.11.11. a 11.111111111111..1.1111111.11
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-Sts3
1:5000 L60281: 20930100777633its
Opentng/Closig Dais: !]&/05/07- 7 CUSTOMER SERVICE
Dalle:
er?
jtaq
l OW-'" US 1-858-647-1279
7 t
Payment Due:
DeteMi irlum
g $1468.47
Espaftd 1-888a46 s3D&
TDD 1-800-955-&060
Pay by phone 1-800438.7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number. 5461 6891110977767 1.902.594-6200
Previous Balance $4,453.47 Total Cradt Line ACCOUNT INOUIRIEs
$4•00D P.O. Box 15298
New Balance ,489.47 Available Credit so Wllmhtgton. DE 19850.6298
Cash Acoess Una Swo
Available for Cash SO PAYMENT ADDRESS
P.O. Box 15153
Wilmington, OE 19886.5153
VISIT US AT.
The outstanding balance on your credit card account Is scheduled to be written off as a bed debt
shortly. As a result, your credit bureau will be updated with a negative rating that could last for
up to seven years. We can 9111 help, but you need to call us raw at 1-888.79&7547 (collect
1.302.5948200).
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Correep- Average Daly Due To Transaction Accumulated FINANCE
Category 31 days In cycle APR Balance Pedodic Rate Fee Fin Charge CHARGES
Purchases 00000°6 ODD% 572727 $0.00 $0.00 $0.00 5100
Cash advarlcea .00000% 0.0014 SO.00 $0.00 50.00 $0.00 50.00
Balance transfer 000009: 0.00°6 $3,73520 $0.00 $0.00 $0.00 50.00
Total finance charges
$0.00
Effective Annual Percentage Rate (APR): 0.00%
Please see Information About Your Account section for balance computation nlelhoA grace period, and other important information.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - iraludirg transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Your 2007-2008 Privacy Notification is enclosed
for your record.
This Statement Is a Facsimile - Not an original
X 0000001 FIS33335 C 3 000 Y 9 D4 07.09N4 Page 1 of 1 01721 MA MA. 06602 2471000003DOODDSMI
Pa e60of63
StatemenFtDr a=unt numl
New Balance Payment Due Date
51,750.08 062605
Anrotalt Enclosed
ter. 4266 8410 3541 A urd 0297 CHASt O OM
Past Due e Atroutt Minim= Payment
$0.00 535.00
MOM your deck peyaW to Chas Cana Swvk;w
Mw addren or a-malP. Prim on !beck.
426684103541029700003500001750089
178184 REX Z innD III r 111 r 11111 rlrlr.il If 111 rlrit $111181 11111 1181! oh$ r 111111441
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 16153
VALM14WON DE 19856-5153
1:5000 L60 281: 203 10354 LO 297 Lw
Stabment Date: 05/02105 - 06/01/05 CUSTOMER SERVICE
[HIE 0 Payment Due Data 082605 In U.S. 14IDD436.7927
Mawnum Payment Due: $35.00 Espatbl 1-806448-39D8
TDD 1. MD-953.8050
Outaide U.S. cd eolect
1-302.594.8200
VISA ACCOUNT SUMMARY Account Number: 4268 8410 $541021:7 ACCOUNT INOUMIEG
Prevbus Dalanoe 50.00 Total Credt Une $3,500 P.O.5=15296
Purdhasee, Cash, Debits +$1,750.08 Ava#sde OnR& $1,749 W*&gbn, DE 111850.6298
New Balance $173008 Cash Access Linn
Avaiable br Cash $700 PAYNHITADADDRESS
$700
T
P.O. Blot
15159
DE 198863163
VISIT US AT.
www.eMes.eomicredtcards
TRANSACTIONS
Tram
Date Reierertce Number Mordant Name or Transaction Description Credit Debt
OS/D1 24610435121072011335455 GIANT FOOD STORES #120 MECHANICSBURG PA Swm
05102 24892185122000OWN3643 PPL ELECTRIC UTILBMC 800342.5775 PA 315.70
05!02 24610435122072015689153 GIANT FOOD STORES #120 MECHANICSBURG PA 35.00
05,102 24323005123258122011204 ASHCOMSE FARM 3 GREENH MECHANICSBURG PA 129.32
05702 24164055123837000W3585 EXXONMOBIL75 04546149 MECHANIC PA 41.55
05/03 24810435123072012445186 GIANT FOOD STORES #331 MECHANICSBURG PA 21.19
D51D2 24184055129837000003850 EXXONMOSIL75 04540149 MECHANIC PA 16.50
05102 24142025124012303640918 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
05103 24142025125012403894539 BEVERAGE EXPRESS MECHANICSBURG PA 30.73
05-03 24323003124253123010105 COUNTRY MARKET NURSERY MECHANICSBURG PA 25.49
05/06 24810436128072022283220 GIANT FOOD STORES #120 MECHANICSBURG PA 55.88
05/05 241420261270121104178148 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
05111 246104351310720124ON34 GIANT FOOD STORES #831 MECHANICSBURG PA 44.72
05112 24810435132072014421374 GIANT FOOD STORES #331 MECHANICSBURG PA 1220
05111 24104055132837000008260 EXXONMOBIL73 04546149 MECHANIC PA 57.25
D51t 1 24142025133013204289564 BEVERAGE EXPRESS MECHANICSBURG PA 30.73
05%12 24610435132001000049281 BOSCOVS #012 CAMP HILL PA 29.09
05112 24142025134013303334617 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
05114 24610435135072018296171 GIANT FOOD STORES #120 MECHANICSBURG PA 83.91
05114 24142025138013506109244 BEVERAGE EXPRESS MECHANICSBURG PA 30.73
05116 24610435138072014256006 GIANT FOOD STORES 1120 MECHANICSBURG PA 30.88
05118 2443565513MW991OW53 GEORGES CLEANERS INCMECHANICSBURG PA 39.95
05118 241640551399371100001292 EXXONMOBIL75 04546149 MECHANIC PA 51.55
0518 24142025140013904306701 BEVERAGE EXPRESS MECHANICSBURG PA 26.49
05!18 24610435139OD4053924474 ECKERD DRUG 88650 DILLSBURG PA 25.0
05!21 24142025i430142D5795466 BEVERAGE EXPRESS MECHANICSBURG PA 26.75
05x23 24610435143072016297084 GIANT FOOD STORES #120 MECHANICSBURG PA 48.89
05,124 24610435144072013280355 GIANT FOOD STORES *120 MECHANICSBURG PA 43.64
05!25 24224435146373251400440 YOUR PLACE RESTAUR MECHANICSBURG PA 9.50
05!25 24610435145072013277145 GIANT FOOD STORES #120 MECHANICSBURG PA 28.74
05,26 24610435145072015449592 GIANT FOOD STORES #331 MECHANICSBURG PA 18.74
05:27 24610435148072019517558 GIANT FOOD STORES 9331 MECHANICSBURG PA 53.83
05,1W 24164055147837000005210 EXXONMOSIL75 04646149 MECHANIC PA Sim
05!26 24142025148014704105097 BEVERAGE EXPRESS MECHANICSBURG PA 26.75
D5;28 24810435149072019360502 GIANT FOOD STORES #120 MECHANICSBURG PA 124.29
D5/28 24142025151014905077461 BEVERAGE EXPRESS MECHANICSBURG PA 25.49
D5131 24610435151072015428028 GIANT FOOD STORES #931 MECHANICSBURG PA 28.34
Oct 29 2007
This Statement is a Facsimile - Not an original
X ONDODI FIS33335 D 4 000 N Z 01 05,i1E:91 Pie.1 of 2 06088 MAMA 179P4 15210000 N0001789401 Cc ,? 1
Page 62 of 63
Statement Data: 051021W - OW105
Account Nnanber: 4266 841011641 0297
Page 2 of 2
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Daly Periodic Rate ConespoW11 Average Daly Balance Finance Charge Due Transaction FNANCE
Category 31 days In cycle APR To Periodic Raft Fee CHARGES
Purchases .00000% 000% 50.00 $0.00 5100 50.00
Cash advances .0561 d% 2049-4 $0.00 $0.00 $0.00 $0.00
Total finance charges 5100
Effeedve Annual Parcentoge Rau (APR} 0.00%
The Corresponding APR is the rate of interest you pay when you carry a balance on purchases or cash advances.
The Effective APR represents your total inane charges - indu ft transaction lees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
EOecdva July 1; electronic payment (Spay) requests
received prior to 4 PM Eastern Time on a business day will
post to your account the same day. Epay requests received
after 4 PM or on a weekerd or federal hodday will post b
your account the next business day.
Did you know you could transfer balanc& online?
Cheek out If you quality by going to
www.chass.cweba rncetransfer.
Pay your Federal and State quarterly estimated or personal
property taxes through Ollcial Payments Corp.
Ifs fast. easy and secure.
Simply *ftwww.ofkWpayrnents.eorWOhase jsp
or call I-WO-2PAY-TAX(SM).
Want instant access b yea accounts 24;7?
Wall www.chase.comrcreetcards today to
roglebr your credit card account ordins!
Oct 29 2007
This Statement Is a Facsimile - Not an original
x Cb00001 F IS33335 D 4 000 N 2 01 OS'09A1 Penp 2 of 2 05M MAMA 17MM 152100LM00017aa402
Page 63 of 63 Oct 29 2007
Pape 56 of 63
Statement for account number: 4288 8410 3541 0297 Oct 29 2(107
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
:21505.70 II??07126105 $0.00 $52.00
Amount Enclosed I: Makeyam orpa MChaesCaroservices.
New often or 9-mdl? r P Am on talc
426684103541029700005200002605701
10662 BEX 216206 D I...II1.I.II$JILelse II...III.II1111I.III.IIIII AM 111111.11
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055.4337 PO BOX 15153
WILMINGTON DE 19886-5153
1:5000160281: 203 10354 LO 297 W
Stalement Date: OWOM - 07101105 CUSTOMER SERVICE
CHAS E O aynm Due Dale:
P
t 0
in U.S. 1-800-945-20DO
5
5
Ntir
e
arnmun
Payment Due:
0
5
E
spanol 1088.4463300
TDO 1-000-055-8060
Outside U.S. Old 00%rt
1-302-594-8200
VISA ACCOUNT SUMMARY Aoeourlt Numbw: 4286 841035410297 ACCOUNT INGUIRIES
Previous Balance $1,750.08 Tod Croft Una 500 P.O. Box 15298
$3
Payment Credits .1135.00 Available Ore& ,
$894 Willringlon' DE 19850-5286
Purchases, Cash, Debits +$890.62 Cash Access Urn $70D PAYMENTADDRESS
New Balance 50570 Available for Cash 5700 P.O. Bar 15153
Wiknktpton, DE 19886.5153
V18R U8 AT:
www.ehase.comrcr?itrards
TRANSACTIONS
Trans AmloW
Dale Reference Nurnbsr Merchant Nana or Transaction Deseription Crack Debt
05!31 24164055152837000007218 EXXONMOBIL75 04546149 MECHANIC PA $47.55
DSID1 24610435152072013703827 GIANT FOOD STORES #120 MECHANICSBURG PA 47.15
05131 241420251 SWI 52D3568316 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
08105 24610435158072013338350 GIANT FOOD STORES #120 MECHANICSBURG PA 23.71
06106 24610436157072016270903 GIANT FOOD STORES #120 MECHANICSBURG PA 27.04
06106 24610435157072016435190 GIANT FOOD STORES #231 MECHANICSBURG PA 11.05
0&108 2415405515883700000241 EXXONMOSIL75 04546149 MECHANIC PA 65.56
08708 24142025159015803647923 BEVERAGE EXPRESS MECHANICSBURG PA 30.99
06,V8 11591590427948239530816 PAYMENT - THANK YOU 35.00
061D7 241420251600159D4169208 BEVERAGE EXPRESS MECHANICSBURG PA 30M
06MO 241420251G40162D4940799 BEVERAGE EXPRESS MECHANICSBURG PA 30.73
06110 24610435152072019298945 GIANT FOOD STORES #120 MECHANICSBURG PA 49.53
06M0 24610435163004084918159 ECKERD DRUG 98850 DILLSBURG PA 50.00
00!17 24164055188837000000146 EXXONMOBIL75 04546149 MECHANIC PA 493K-
007 24142025171016906090988 BEVERAGE EXPRESS MECHANI CSBURG PA 30.99
0617 24610435169072016481349 GIANT FOOD STORES #331 MECHANICSBURG PA 64.55
0621 24610433172072013711552 GIANT FOOD STORES #120 MECHANICSBURG PA 30.83
06121 24810435172072013710489 GIANT FOOD STORES #12D MECHANICSBURG PA 27.76
08123 24610435174072014444328 GIANT FOOD STORES #931 MECHANICSBURG PA 9.70
06/23 24610435175001130390561 CITGO FOOD MART MECHANICSBURG PA 41.48
06124 24610435176072020298623 GIANT FOOD STORES #120 MECHANICSBURG PA 2830
05!25 24610435177072018538518 GIANT FOOD STORES 1331 MECHANICSBURG PA 11.59
0025 24164055177837000000347 EXXONMOBIL75 04545149 MECHANIC PA 12.35
0525 24142025178017705410203 BEVERAGE EXPRESS MECHANICSBURG PA 30.73
06,27 24455015178140005205438 WAL-MART 0888 MECHANICSBUR PA 25.68
0627 24610435178072018MWS GIANT FOOD STORES #120 MECHANICSBURG PA 17.51
D628 24610435179072014277580 GIANT FOOD STORES #120 MECHANICSBURG PA 36.40
06,27 2414202516DO17903645093 BEVERAGE EXPRESS MECHANICSBURG PA 27.81
This Statement is a Facsimile - Not an original
X ONN01 FIS33335 D 4 000 N 2 01 05L4U1 Pape 1 of 2 05686 MAMA 10362 182 O 0,1400010662M
Page 57 of 63
Address Change Request
Please provide information below only if the address information on front is intoned
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mall Address:
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Oct 29 2007
Page 59 of 63
Statement Date: 06102105. 07101/05
Account Number: 4266 6410 9541 0297
Page 2 of 2
FINANCE CHARGES PERIODIC RATE(S) AND APR(S) MAY VARY
Dally Pariodk Rats Corresponding Average Daly Balance Finance Charge Due Transaction FNANCE
Category 30 days in cycle APR P revbua Cyc s Current Cycle To Perbdk Rata Fee CHARGES
Purchases .0000D% 0.00% $1,163.12 $2,253.59 SD.00 $0.00 SD.00
Cash advances .05614% 20.49% $0.00 $000 $0.00 $0.00 $0.00
Total franca charges 50.00
EHscpve Annual Parcantapa Rae (APn CA"
The Corresponft APR is the rata of inbrest you pay when you carry a balance on purchases or cash advances.
The E9eative APR represents your total inane charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Effective Jury 1, electronic payment (Epay) requests
received prior to 4 PM Eastem Time on a Wellman day we
Post to your account the same day. Epay requests received
after 4 PM or on a weekend or federal holday we post to
your account the next business day.
Did you know you could transfer balertcee uxanp?
Check out it you quality by going b
www.chase.convbalancebansfer.
Oct 29 2007
This Statement Is a Facsimile - Not an original
X 0000001 F IS33335 D 4 000 N Z 01 06U7A1 Ppe 2 u12 05586 MAMA 10662 18210000040001066202
Page 59 of 63 Oct 29 2007
Pa$e 54 of 63 Oct 29 2007
Statement for account number: 4286 6410 3541 0297
New Balance Payment Due Dab Past Due Amount Minimum Payment
CHASE O
52.981.72 0&26W SO.00 $W.00
oss
NW a 0 -mill? cnr. card Services.
Anctmt F_rldoaed . ? 11111110 "Ur ChWk a PW t
Nan
5 address -an Mback.
426684103541029700005900002981720000005
sr4s4 M 221506 o
ANDREW J KREIDERIII
9 PHEASANT CT CARDMEMBER SERVICE
MECHANI SBURG PA 17055-4337 PO BOX 15159
WILMINGTON DE 19805.5153
1:5000 L60281: 203 L0354 L0297 Lill
Statement Dab: 07/02/05 - 08 0U06 CUSTOMER SERVICE
CHAS E O Ps
d D '
fi
y od
ue :
Eapa
ol 1.88 4 =
TDD 1-600.9558000
Outside U.S. oaf collect
1-302-5944200
VISA ACCOUNT SUMMARY AeeountNumber. 4266841085410287 ACCOUNT INGUIRIES
Previous Balance $2,805.70 Total Credit Una
P.O. 15298
il B
t n
DE
$3.5w W
19&505298
Payment, Credits -552.00 Available Credit g
,
5518
Purchases, Cosh, Debits +$426.02 Cash Asa Llra 5700 PAYMENT ADDRESS
New Balance 527961.72 Available for Cash 5518 P.O. Box 15163
VYlmington, DE 196865153
VISIT US AT:
www.chase.oomfomdI Ards
TRANSACTIONS
Trans Amount
Date. Reference Number Merchant Name or Transaction Description Credit Debt
07102 24610436184072019360728 GIANT FOOD 3 ES #120 MECHANICSBURG PA $23.09
07105 24810495188072015264042 GIANT FOOD STORES #120 MECHANICSBURG PA 2923
07107 24029466189980001669150 BRENNER NISSAN CAMP HILL PA 374.90
07/10 11921910416803240962372 PAYMENT - THANK YOU 62.00
FINANCE CHARGES
Defy Periodic Rate Corresponding Average Defy Balance Finance charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purohtleae .00000% 0.00% $2.931.84 $100 $101) $0.00
Cash advances V .05653% 2D.74% SO.00 $0.00 $0.00 $0.00
Total Tsmnce charges $D.00
rff/ective Annual P-cm logo Rate (APR); 0.00%
Plsaae see reverse side for balance computation method. grace period, and other important information.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total fiance charges - irlokx tg transaction fees,
such as cash advance and balance tranater foes - expressed as a percentage.
This Statement is a Facsimile - Not an original
X owwo1 FIS33:i3b 0 9 000 N Z 01 OS9B01 Page 1 or 1 05M MAMA 37464 21310000090002745401
Page 55 of 63
Address Change Request
Please provide information below only 0 to address information on front is incorrect.
StramAddreas- - - -_-
City:
State:
Zip:
Home Phone:
Work Phone:
Email Address:
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Pam 52 of 0 Oct 29 2007
StatemenT for acoount number 4208 8410 5541 0297 /?
New Balance Payment Due Dab Past Due Amount k6rumisn Payment CHAS E
S3,133.85 OW25M 90.00 S82.01) Encbaed Nw y?eMNDwabN Card Santee
Amount nrarr address a a-malf? Pint nt an n bark
426684103541029700006200003133950000006
arm amz244M0 I.r rlllrllrlnrl.Ir.l.rllrrrlrlr rrrtl.111..r II.rl rLn 11.111..1
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 170554337 PO BOX 15153
WILMINGTON DE 19885-5153
1:S0001,60281: 20 3 10 3 54 1? 29 7 1110
Statement Deb: 08011M - 09MIM5 CUSTOMER SF_RVICE
CHASE O `Pa
?
M OVAM in U.S. -800-946-20M
yr
r
Due
Outside U.S. cal coiled
1-302-584-8200
VISA ACCOUNT SUMMARY Account Number: 4260841035410297 ACCOUNT INQUIRIES
Previous 3212 a $2,961.72
Total Credit tine P.O. 15298
$3600 WilBnington. DE DE 15 50 5286
lfik
Payment, C4906 • 59.00 Available Credit MIMI V
Purchases, Cash, Debits 4S21129 Cash Access Una 5700 PAYMENT ADDRESS
Now Balance 59,188.85 Available for Cash 5988 P.O. Box 15163
Wilm'agt0n. DE 19805155
VISIT U8 AT:
www.chaae.oomfore licards
TRANSACTIONS
Trans Amount
Date Relerenoe Number Mentrant Name of Transaction Descripflon Credit Debit
om7 12202190413600219613035 PAYMENT -THANK YOU ;59.00
OW7 241640.5b2N 37000DD0971 EXXO IL75 D4546149 MECHANIC PA 5458
1 10 24610435222072014248901 GIANT FOOD STORES 4120 MECWWICSRURG PA 47.68
08MO 24142025224022304364327 BEVERAGE EXPRESS MECHANICSBURG PA 90.98
08/12 24164055225667000000679 EXXOMNOBIL75 04548149 MECHANIC PA 51.68
08/15 24610435227072017275492 GIANT FOOD STORES 4120 MECIAMACSBURG PA 26.30
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance France Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases 000w% 000% ;3,06666 ;0.00 $OHO $4.W
Cash advances V .05751% 2088% 3000 $0.00 SO.OD $0.00
Total finance charges $0.00
Effective Annual Percentage Rats (APR): 0.00%
Please sae reverso side for balance computation method, grace period, and other Important Information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total fames ehargas • Including transaction fees
auch as cash advance and balance bw far fees - expressed ae a percentage.
IMPORTANT NEWS
Surf Salsr with Ean hunk HS or Dial Cat 1-04327-8454
This Statement is a Facsimile - Not an original
x 0000001 FfMMS 0 10 000 N z 01 06:00,01 Prta 1 of 1 0666e MA MA 42470 24410000100041247001
Page 53 of 63
Address Change Request
Please provide information bobw only I the address information on trod a incorrect.
Sired Address, ---------------------
City: ------
State: --
Zip: ----- -
Flares Phone: --- --
Work Phone: --- E-mail --
Address: ------
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Pa%e 50 of 63
Statement for account number. 4266 8410 3541 0297 /?
New Balance Payment Due Date Past Due Amomd Minimum Payment CHASE
53,353.41 10/27/06 SD-01) $57.00
lAaks your 01P payable to Chew Caro services, j<anmM rme?tor Ian.
Amount Enclosed $ we v aWrsss a o inelrt Print on eedc. Irurfde mend the err POeed
offer and may cancel any time.
Inibals,
426684103541029700006700003353415078619
5a7aa SEX 271WS 0
ANDREW J KREIDERIII
8 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX 15154
WILMINGTON DE 19666-5163
1:5000160281: 203 LO 354 LO 297 Lta
Statement Deb: 09/02/05 - IWfOMS CUSTOMER SERVICE
CHASE O Da
te:
?;''
l
U
I-BOD-945-2DOD
'a
oo
P
ay
Due ..
s .
Esppa
hd 143135446-3XIS
TOO 1-SIX-M4 0W
Outside U.S. cal 00bct
1-302-594.8200
VISA ACCOUNT SUMMARY Account Number 4288 e410584/ 0257 ACCOUNT INOUMIES
Pmvbua Balance $3,133.96 Total Credit Line $3.500 P.O. Brat 15298
? DE t9B6x5286
Payment, Credits -$G1.OD Available Credit S146
Purchases, Cash, Debits +S281.48 Cash Aooeas Line 5700 PAYMENT ADDRESS
New Baance 56,368.41 Available for Cash S146 P.O. Bat 16163
Wilmington, DE 19SW6153
VISIT US AT:
wwar. clnase. drnNoreditMWA
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Dealt
09/01 24510496244072014454626 GIANT FOOD STORES 4331 M HAN RG PA $5824
DWO1 24142025248024503042153 BEVERAGE EXPRESS MECHANICSB RG PA 32-79
09'06 24810496248072012507332 GIANT FOOD STORES 9331 MECHANICSBURG PA 44.09
09/05 24164055249MOODOW142 EUONMOBIL76 04646149 MECHANIC PA 62.33
OW14 12572570408486258122776 PAYMENT -THANK YOU 62.0
DWIS 24610496269004134882087 ECKERD DRUG 98660 DILLSBURG PA 50.00
DM 24810436272072013857156 GIANT FOOD STORES 9331 MECHANICSBURG PA 25.18
D9/30 24610495274072018485227 GIANT FOOD STORES 9951 MECHANICSBURG PA 18.83
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Penance Charge Due Transacbm FINANCE
Category 31 days In cycle APR To Periodic Rate Fee CHARGES
Purohesea .00000% 000% $3,308.17 $000 $0.00 $0.D0
Cash advances V .05620% 21.24% S0.00 $0.00 $0.00 $D.00
Total finance charges $D.00
Effective Annual Percentage Rate (APR): 0.00%
Poem we reverse side for balance d»mp,Ration mated, grace period, and other important information.
The Corresponding APR is the nab of Interest you pay when you oarry a balance on any transaction category.
The EIIac1Ne APR represents your total finance charges - Including transaction fees
such u cash advance and balance traneler fees - expressed as a percentage.
IMPORTANT NEWS
URGENT. This monfin, Yakred Cardmembera have been issued a
Thank You worth up to SIOD angling you to a pull yaw of
three megazinsa. They've already been reserved for you.
OuardIdes ace brilled, so cab by 12110W to claim your
Thank You of up to 5100 and for details. 1.80x843.3511.
Take $10 off Florida's finest ckrus at Al's Family Farmsl!!
Big savings on 20 ba navel oranges, grapefruit, or mixed.
First time bnyem only-$24.96 plus s&h, Ik Z ends 01/15.
Visit WWW.ENJOYCITRUS.COM or call 1-888-291-2514 depLOSx
Cardmernber customer service: 1-80x955-9900.
Oct 29 2007
This Statement is a Facsimile - Not an original
)( 0000001 F1333M D 7 000 N Z 01 05.1002 Peg.1 .11 OSM Mw MA 69M 275100000700D3979207
Page 51 of 63
Address Change Request
Please provide information below only I to address information on front is incroned
Strad Address -------?-------
City: - -----------
State: --
Zip: ----- -
Horne Phone: --- -- ----
Work Phone: --- -- E-mail ----
Address - ----------------
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Page 48 of 63 Oct 29 2007
Statement for account number: 4288 8410 9541 0297 /?
New Balance Payment Due Date Pant Due Amount Wnimum Payment
153,489.32 1 MI/05 50.00 99.01) CHASE
ervkxa
Amount Enclosed fs ?=y==b=" 'p back, card
426684103541024700006900003489320000004
295UMZ30505D IrnJilt 1111111111111111rrmills 11311rlrlrarllrrlrlrrrll.rll..l
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANI SBURG PA 170564337 PO BOX 15165
WILMINGTON DE 196865153
1:5000 L60 281: 203L0354102971,118
StatamertDate: 1003x06-II101!06 CUSTOMER SERVICE
CHASE O ' Pa
e
; 11
"$0?
yn
1
Duo EspaW
1
TM 14 0 4WA-8080
Outside U.S. cap cow
1-302-99148200
VISA ACCOUNT SUMMARY AccountNumbsr: 4266841035410287 ACCOUNTINOUMIES
Previous Balance $3,363.41
TolialCreditLints P.O. Bolt 16298
?
6
Payment, Cradle -W-W Available Credit 0 * ^. DE teBSO 5298
'$
Purchases, Cash, Debits 46202.91 CashAocaea Lhw S70D PAYMENTADDRESS
New Balance 53,489.32 Available for Cash $10 P.O. 6®(16163
Wilmington, DE isms-6165
VISIT US AT:
wru(rr. chase. corrJcredtards
TRANSACTIONS
Trans Amount
Date Reieranoo Number Merchant Name or Transaction Description Credl Debt
1Ur01 24610436276072018476272 GIANT STORES 11391 MECHANICSBURG PA $28.06
10009 2481167 BILOCKBUSTIER VIDEO 090762 MECHANICSBURG PA 3.92
10x06 241 1029 EXXONMOBIL75 04546149 MECHANIC PA 56.08
1Ur17 12902WD411635200424033 PAYMENT -THANK YOU 67.00
1DIM 24810485290072013280137 GIANT FOOD STORES #1120 MECHANKSBURG PA 86.11
1 W26 2414202SM1030003834677 BEVERAGE EXPRESS MECHA14CSBURG PA 25.75
FINANCE CHARGES
Daly Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases 00000'4 0OD% $3,428.78 $0.00 $OAO $0.00
Cash advances V .05620% 21.24% $0.00 $100 $0.1X1 $D.00
Total prance charges $0.013
lBfaeBVe Annual Percentage Rob (APR): 0.00%
Please sae reverse side for balance computation method, grata period, and other Important Information,
The CorresporxIng APR Is the rate or Intersal you pay when you carry a balance on any transaction category.
The Effective APR represents your total fance charges - InOkafalg transaction fees
such as cash advance and balance trensbr fees - expressed as a percentage.
IMPORTANT NEWS
URGENT: This monM, valued Cardmembers have been issued a
Thank You worth up to $100 eni ft you to a toil year of
three magazines. They've already been reserved for you.
Ouan#d" are 1n had, so cal by 12/10X06 to claim your
Thank You of up to 5100 and for details. 1.800-843.3511.
Take $10 of Florida's freest citrus at Ants Family Farmettf
Big savings on 20 Iba naval oranges, grapefruit, or mixed
First time buyers only-$24.95 plus a&h, irrtt 2, ands 01/15
Visit W W W.ENJOYCITRUS.COM or cal 1-886231.2314 depL06x
Cardmember customer service: 1-800-956-9904
This Statement is a Facsimile - Not an original
X WD0001 F18333M 0 8 000 N Z 01 0&11V P.8.1 .r 1 06884 MAMA 23589 W5100000800MM901
Page 49 of 63
Address Change Request
Please provide WDrinabon bellow only I the address information on front is inooffwL
Street Address: -----------
City:
Stags: --
Zip: --
Hoare Phone:
Work Phone:
Email Addraw --
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Page 416 of 63
Statement for accotmt number. 4268 8410 3541 0297 CHASE 0
New Balance Payment Due Date Past Due Maud Minimum Paymart
59,420.32 12/21/06 50.00 $58.00
MNrs you ch"k ppapyraw W Cities Can! Services nroll into in the aoYor>el
Maud Enclosed New aearaas or o•melz print on tla0mx I and raOrd Pro ta Perdosedlen
offer and may cancel any nme.
nm s
Date
426684103541029700006800003420325116566
3W M Z32W c 1111111111 Iu611.6,15111111111,,,,11,1,1,., 11.111..1
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 1706144337 PO BOX 15153
WILMINGTON DE 19MM153
1:5000160281: 20 3 1,0 3 54 10 29 7 111,
Statement Dabs: 11102M - 12FOlM CUSTOMER SERVICE
CHAS E O
Duo
DDate:
1221
ao '
-
Payrnord SN.
Espahol 1
TDD 1-800-866-8060
Outside U.S. cal called
1.302-50448200
VISA ACCOUNT SUMMARY Account Number. 4266041085410297 ACCOUNTINOUIRIES
Previous Balance $3,488.32 Total Credit line
P.O. ism
kriBran n. DE !0850 S2ae
$3,600 %
WiYlg to
Payment, Credits -580.00 Available Credit 579
New Balance 9.420.32 Cash Access Line 5700 PAYME4TADDRESS
Available for Cash $79 P.O. Bar 15159
WiIrnington, DE 105W6153
VISIT US AT:
www.chase.cornromdamirds
TRANSACTIONS
Trans Amount
Date Reference Number Mordant Name or Transaction Description Cmdt Debt
11/08 13123120403686206514731 PAYMENT-THANK YOU $69J1o
FINANCE CHARGES
Daily Parodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases 00000% 0.00% $3,434.12 $100 $0.00 $0.00
Cash advances V .0588896 21.49% S0.W $0.00 50.00 $0.00
Total finance charges 50.00
Effective Annual Pam tags Rate (APR): 0.00%
Please we reverse side for balance computation meitod, grace period, and other Important information.
The CormMondfrg APR is the rata of Interest you pay when you carry a balance on any transaction cats".
The Effective APR repress, your total finance charges - inclui g transaction fees
such as cash advance and balance transfer ism - expressed as a percentage.
IMPORTANT NEWS
Bend sensational season's greetings with unforgettable
gilts from 1-800-FLOWERS.COM(R)! Get 15% off your purchase
of fresh flowers, gourmet gill beakers, gorgeous wreaths,
centerpieces and more when you use promotion code BANDS.
'For dutch please Nat WNW.1800FLOWERB.OOWDISCLAIMER.
Pay today, fog on fo
www.chow o rdcredTOards
Ire fast, secure, and free!
Take $10 off Florida's firmest citrus at Are Famly FarmsM
Big savings on 2D I s navel oranges, grepolmi t or mixed.
First time buyers a*-524.95 plus S3H, limit 2, ends 01116.
Visit www.enjoycihvs.o om or call 1.886.231-2314 dept 06x.
As a vokAed cardmember, you are etigibfe to receive high-
qualty merdxsrdise not available to tih general public from
top brands such as Lenox, Tonka, Disney and more! Just go
to www.valuaeereer com and enter in 155143 wham it asks for
your corllicate number. Act Now, quantities are limited.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIM3336 O 5 am N Z 01 0514401 Pare 1 011 05888 MAMA 379,7 33510000050003724701
Page 47 of 63
Address Change Request
Please provide information below only I to address information on front is inconecl.
Street Address: - -----------,----
City: - ------------
State: --
Zip: ----- -
Horne Phone: --- -- ----
Work Phone: --- -- ----
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Oct 29 2007
rage 44 of 63
Statement for tat=unt number: 4268 8410 3541 0287 /?
New Balance Payment Due Dab Past Due Amount Wimum Payment
53,352.32 01/21/06 50.00 $671)0 CHAS E
hake your shack Pr to Ohw Card Services. a Fnroll me . d in the op6 lan.
Amount Enclosed $ Harr aacrass or amol? 7 Rant an back. I wEr ?b?gosed
offer and may cancel any time.
n
426684103541029700006700003352325134680
as4wmzioso I.r.I11.Irrlrrl.Ir.1.rll.rrl.1.rrrll.l4lr.rllrrlrlrrrllrrll..l
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17065.4337 PO BDX 1S1S3
WILMINGTON DE 19666-5153
1:5000 L60281: 203 L0354 LO 297 Lila
SblamortDate: 12/0 06-01/01/06 CUSTOMERSERVICE
CHASE O ?
D 01/21/06
ue-
P
ayrn 00 F.spafid 1.888 946.3308
TOD i-800.9155.8060
Outside U.S. cal collect
1-3x2-S94-8200
VISA ACCOUNT SUMMARY AxountNumber: 4266841035410297 ACCOUNT INOUIRIES
Previous Balance $3,420-32 Total Credit Line $3,500 P.O. kningt n1.
IM. D DE 198565296
E
Payment, Credls -$68.00 Available Credit S147
New Balance 53,352.32 Cash Access Lit* S700 PAYMENTADDMS
Available for Cash S147 P.O. Bm 15163
Afilrrwtgton, DE 198885153
VISIT US AT:
www.cfaae.txxNcred -rds
TRANSACTIONS
Trans Amount
Data Reference Number Merchant Name or Transaction Description Credit Debt
12x13 13473470404!136184710690 PAYMENT -THANK YOU .00
FINANCE CHARGES
Dally Periodic Rate Cwreeponding Average Day Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.011% $3.376.44 $0.00 $0.00 $100
Cash advances V .0596796 21.74% S0.00 $0.00 $0.00 $040
Total finance charges
Effective Altnual Pro car logo Rata (APR): 0.00%
Please see reverse side for balance comptentim method, grace period, and other knportant Inbanatirn.
The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - holudrrg tranaacsan two
such as cash advance and balance transfer toss - expressed as a percentage.
IMPORTANT NEWS
To help you reduce your boleros more quickly. your minimum
payment is Increased with this salrneriL Please sea the
encbwrs for details. Si !leas alguna pregunta, pot favor
game at nu mero sin cargo quo apsrece at reverso de su
1alialls•
As a valued ardrnernber, you are ellgfelo to receive high-
qually merchandise not available to Ifre general pudic fnsn
top brands such as Lenox. Tonics, Duey and more. Just go
to www.valusoardor.com and enter in 150224 where it asks for
your cer/Aoate number. Act Now, quantities are limited.
Pay your taxes the fast and easy way. Juat use your
card to pay for federal and state personal income taxes
from 3/1M through 413006. Visit
www.olActalpaymenb.uxxniohaee or
call 1-800-2PAY-TAX for details.
$0.00
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIM2= D 6 000 N Z 01 08,131,01 Pape 1 of 7 05888 MA MA 064DB DDt 10000080003649801
Page 45 of 63
Address Change Request
Please provide information bebw only i to address information on front is incorrect
Street Address: -----------------
City: --
State: --
Zip: --
Home Phone: -
Work Phone: --
E-mal Address: --
L
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Page 42 a(63
Statement .4 mmurd number. 4286 8410 3541 0297 /?
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
53.367.53 02/21/06 SD.DD $57.00
1J4M your cheek aayapN to txrw Card Services. Pill me In the oo*YW
Amount Enclosed Nan accuses ore-rrriei4 print on back. t u?ratt Prgloola 's r, Plod lands .
offer end may ?ncal arry tine.
426684103541029700006700003367535150223
46196 SEx Z O= D
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANXSBURO PA 17056-4W PO BOX 15153
WILMINGTON DE 193m-5153
1:5000 L60 281: 203 L035L,10297 ills
Stabmert Date: 01/02/06 - Wotm CUSTOMER SERVICE
CHAS E O ?
e
t D in US
0
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ayme $677 .00
. l 1688.4
6.3305
TDD 1-WD-955.8060
Outside U.S. oel oolect
1-302.584.8200
VISA ACCOUNT SUMMARY AeeountNumbe 4266 ACCOUNT INOUIRIES
Previous Balance ;3,35232
Total Credit Une P.O. Back 16298
DE 18850 5296
32 9t°n
Payment Credits -$67.00 Available Credit .
1
Purchases, Cash, Debits +$6221 Cash Access Lire S7o0 PAYMENT ADDRESS
Now Balance --§ra-67 .53 Available for Cash S132 P.O. Bcx 15163
Wi'nigtDn. DE 10886.5153
VISIT US AT:
lurww.dteae.conycredfoceids
TRANSACTIONS
Trans Amount
Dab Reference Number Merchant Name or Transaction Description Credit Debit
D1107 241420211008900016700286 BEVERAGE EXPRESS HAN CSBRG PA $2715
D7/07 24164056008837000008552 ONMOSIL75 04WI40 MECHANIC PA 54.66
01/18 10180180406621145622912 PAYMENT - THANK YOU 67.00
FINANCE CHARGES
Day Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .0000096 000% 53,368.86 $0.00 $O0D SD.00
Cash advances V .05857% 21.74% SD.00 $0.00 $000 $0.00
Total inane charges $DM
Effective Annual Po ow logo Rate (APR): 0.00%
Please see reverse side for balance computation method, grace period, and other Important Information.
The Corresponding APR Is the rate of interest you pay when you carry a balance on any traneaolbn category.
The Effective APR represents your total francs charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
URGENT: This wronin, vaned cardmemben have bow Issued a
Thw* You worth up to S100 entitling you to a hull year of
three magazines. They've already been reserved for you.
Quantities are lmlled, so cal by 04110/06 to ebim your
Thank You of up to S70D and for details. 1-MO-BU-8318. SGX
My Wines Reserve provides an inside kook at wine from
around the world. Receive $10 off every order, free shipping
and much moreal forpost $9.99 per month. can t-8e&85S
5752 to enroll and receive a who sample pack OPP N.A.
offere My Wines Reserve and is not affiliated with Chase.
As a vakod oardmember, you are eligible to receive high,
quality merchandise not avaleble to the general pudic from
top brands such as Lenox, Tonka. Disney and more! Just go
to www.valueowder corn and enter In 157347 where it asks lor
your certificate number. Act Now, quandbes are limited.
Are you feeling the winter blahs? Take advantage of this
special otter to enjoy TripSavoes money saving decounts
on travel and entertainment. Cal 1.888.856.6776 to enroll
and you can team how beam your 2 nighV3 day hotel stay.
CPP N.A. offers TripSaver and Is not affiliated with Chase.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000004 FLEMM 6 D 6 000 N Z 01 08132-01 Pape 1 011 05693 MA MA 48168 00210000080004615601
Page 43 of 63
Address Change Request
Pleaee provide information bebw only I the address information on front is inoorred
Streel Address -----------------
City: --
State: --
Zip:
Horne Phone:
Work Phone:
E-maN Address:
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Page 40 of 63
Statement fox account number. 4266 8410 3541 0297 CHASE
New Balance Payment Due Data Past Due Amount Minimum Payment
S3,300.S3 03/21/Oa 50.00 $W.OD
Amount Enclosed Mails your check payable to CBw Card Services. Enron mein tine ooaortal
hies address or amek9 Print an tmt IPur berm sUnnd Panoloeedk
offer and may can el any time.
N
426684103541024700006600003300535169399
34M M z 0e00a 0 I...III.I..I..1.I..1..II...I.I....11.1.11..ll.11.l..r 11..1h.1
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
ME GHANICSBURG PA 170564537 PO BOX 15153
WILMINGTON DE 198565153
1:5000 L60281: 203 L0354 L0297 ill'
Stabmart Deb: 021b?!OS - 03ib1/w CUSTOMER SERVICE
CHAS E O P
?
""` -800-
'?
$9
li
P
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EIMnkraan
Due 5
1311-
Esppa
lial 1-e
TDD 1.1100.3664060
Outside U.S. oal Doled
1-S02.594,8200
VISA ACCOUNT SUMMARY AccountNumbr: 4288641035410297 ACCOUNT INGUIRIES
Previous Balance $3.967.53 Total Credit Una
ism
$3,600 P.O. Boa
. DE DE 198660 5298
wdmYgtDn
Payment. Credits -$87.00 Available Crack 5199
New Belarrce 53,300.63 Cash Access Una STOD PAYMENT ADDRESS
Available for Cash 5199 P.O. Bax 16165
Wi4"ton, DE 10866.5153
VISIT US AT:
www.ohase.oondaredfcards
TRANSACTIONS
Trans Amount
Date Reference Nurnber Merchant Name or Transaction Description Credit Debt
02/07 10380360408212108653530 PAYMENT -THANK YOU $67M
FINANCE CHARGES
Daily Periodic Rata Corresponding Average Day Balance Finance Chayo We Transaction FINANCE
Category 28 days in cycle APR To Periodic Rate Fee CHARGES
Purchases DDDDD 6 MOD% $3,31249 5100 $0.00 $0.00
Cash advances V .06025% 21.99% SD.W $0.00 $10D $0.00
Total finance charges
$0.00
Effeotlve Annual Percentage Rata (APR}: 0.00%
Plesse we Infomrallon Abed Your Account section for balance computation mettad, grace period, and other important Information
The Corresponding APR Is the rate of inter" you pay when you carry a balance on any transaction category.
The EteCfive APR represents your total finance charges - indudi g transaction fees
such as cash advance and balance twister fees - expressed as a paroenlags.
IMPORTANT NEWS
Final Cardmember Rewards Noooe before May 10, 2006!
As a valued Cardmon ion, you're anlifed b Rewards valued
up b S170.001 You must act quickly. Quantlgae are limited.
So leg on now for dablis and to claim your magedria Rewards
valued up to $170.[101 www.321maga.oomlRawards.
Gal 4 oornpiknentery weeks of today's Wag Street Journal,
fire world's most busted source of vital businew name and
analysis. After your 4 complimentary we" an additional
26 weeks (30 in 0.11) will be made available fo you for the
law rate of only S53 76. 1-800.480.3743. code 27JAMM.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIE33M D 9 000 N Z 01 W=1 Page 1 w / OSM MAMA 34904 080100000a0003490401
Page 41 of 63
Address Change ReWeat
Please provide information below only B Ire address information on front is inoorreol.
Street Address ------------
City: - -----------
State: --
Zlp: ----- -
Florne Phone: --- -- ----
Work Phone: --- -- ----
E-mail Address: - ---------------
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Oct 29 2007
Page 38 of 63
Statement for account number: 4208 5410 9541 0297 /?
New Balance Payment Due Date Past Due Amami Ntmtmum Payment CHASE O
53,234.63 04122W • SOHO $64.W
IiAY* your cheek payable to Chase Card Services,
A m eMe
Ancrml Enclosed New address or a -mall? Print an back ro
I Lre?rstannd it* and 0e I
dd
offer and may cancel any time.
n
426684103541029700006400003234535192579
01414MzW105D I...Ill. L.1.11.11.1.111...1.1.1..11.1.1...11.1111.1.11.111..1
ANDREW J KREIDERIII
3 PHEASANT CT CARDMEMBER SERVICE
ME CHANICSBURG PA 170564937 PO BOX 15155
WILMINGTON DE 19885-5163
1:5000160281: 20310354 102971112
Statement Dab: OM12100 - 04mw CUSTOMER SERVICE
/?
CHAS E Q Payment Due Date:
M
P
- 04raW In U.S. ,-800.945-2000
inimum
ayment Due 584.00 Espahol 1-8611-4/5.3305
TDD 1-800-8558060
Pay by phone 1-000436.7955
Outside U.S. call cored
VISA ACCOUNT SUMMARY Account Number. 4266 6410 35410297 1.302.594-8200
Previous Balance 53,300.53
Tote) Credt Ung ACCOUNT INQUIRIES
$3,500 P
O
B
15296
Payment, Cradles -$66.00 Available Credit .
.
ak
5265 WiMlgton DE 198605298
New Balance S3,234.63 Cash Access line S70D
Available for Cash 5285 PAYMENT ADDRESS
P.O. Box 15153
Wilmington. DE 19856.5153
VISITUS AT:
www.chase.comfcredtcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
03114 107907904089891575021390 PAYMEN T HANK YOU .00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 32 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.00% $3,259.28 $0.00 $0.00 $0.00
Cash advances V .00094% 22.24% SO.00 $0.00 $0.00 $0.D0
Total finance charges
$D.00
Effective Annual Percentage Rats (APR): 0.00%
Please ace Information About Your Aocarnt section for balance computation method, grace period, and other important Information.
The Corresponding APR is the rate of nlered you pay when you carry a balance an any transaction category.
The Motive APR represents your told finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
W Wines Reserve provides an code took at wine from around
the world. Receive $10 off every order, We shipping and
mud, more all for just 59.39 per month. Cal 1-999.659-5762
to enrol and receive a wine sample peck CPP N.A. offers
My Wines Reserve and is not affiliated with Chase.
NEW. Unlimited Interne t access with PcoplePC Online for
only $4.97hnonth for 3 months, then just S9.95/month. 1A8h
Virus Protection, Pop-Up Biocker, spent controls, Internet
Cal Waiting, and morel Cal loday. 1-SMSTRYNOW. Mention
0: Code. HEYDAY. Or visit: www.peodepo.oom/gdheyday.
Send man the bed of everything when you give her a gift
from 1-800-FLOWERS.COivl, your florist of chdoal get 159.6 off
your purchase of fresh flowers, plush bears, gourmet gift
baskets and more when you use promotion code CHASEW.
-For details please visit W W W. 1800FLOWERS.COMfDISCLJUMER.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000002 FIS33M 0 9 000 N 2 01 0&9V02 Pag.1 011 06036 MA MA 01414 08210000090000141401
Page 39 of 63
Address Change Request
Please provide information below only i tits address information on front is incorrect
Street Address: - -----------------
City: --
State: --
Zip:
Dome Phone:
Work Phone:
E-mail AWnm:
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Page 36 of 63
Statement for a=urd number. 4268 8410 3541 0287 /?
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
53,170.59 06/21/06 50.00 $53.00
=yo ur eMdc pay fe Ctrass Card Services, mein the aolionel
Amount End = ress a e-mein vnim an book ! ?yrmtt ProlsPalen
offer end may cancel any fime.
In8 Date
426684103541024700006300003170535205251
315N SEX 2121GOD I.?.Illr lrrlr rl.Irrl.rllr.rlrlrrrrll.l.lr.rll.rlrlr..ll.rll..l
ANDREW J KREIDERIII
9 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 170554337 PO BOX 15153
WILMINGTON DE 1988!3.5163
1:50DO L60281: 203 L0354 i0 297 1112
Stalwart Date: 04103M - 05MI/M CUSTOMER SERVICE
CHASE Payrrlent Due Date: 06/21/06 In U
1.800.9152000
S
Minimum Payment Due: .
.
$63.00 Esparcl 1-888446.33M
TDD 1-80045"M
Pay by phone 1.800.496-7960
Outside U.S. cal collect
VISA ACCOUNT SUMMARY Account Number, 42011$410 35410297 1.302.694.82W
Previous Balance $3,234.53 Total Credit Lino $3,500 ACCOUNT INGUfRIEB
Banc ISM
Payment, Credits -$64.00 AvafiableCradri DE
San Wilmington.
DE 1DBl91ti200
New Balance S3,170.li3 Cash Awass Line 5700
Available for Cash S329 PAYMENT ADDRESS
P.O. Bat 15153
WlmNgton. DE 19806.6153
VISIT US AT:
TRANSACTIONS
Trans Amount
Date Reference Number Merchertt Name or Transaction Description Credit Debt
04!12 1102102040 4801 1471896 PAYMENT -THANK YOU $64.00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Rnence Charge Due Transaction FINANCE
Category 29 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 000'3x, $3,19099 $0.00 $0.00 $0.00
Cash advances V .06094% 2224% S0.00 $0.00 $10D $100
Total finance charges $D.00
Eftactive Annual Percentage Rate (APR): 0.00%
Please ace Information About Your Account section for balance computation method. grace period, and other important information.
The Corresponding APR is it* rats of interest you pay when you carry a balance on any transaction category.
The Ellect re APR represents your total finance charges - Mcluding transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Final and Orty Thank-You Notice before July 10, 2006.
As a valued Cardrnember, you%% been issued a Thank You up
to 5100. Clain your favorites, each with a low fee of S2.95.
Log on for details and clalrn your Thank You up to 5100
from SynapseConneoL www.gificard100. om0Chase. Code 24616
Love your Pet? Happy Paws, a dub for cab, dogs and birds,
prwides discounts an Pet Supplies, Pat Insurance and more!
Enroll now by ping 1.808.061-4409 and find out how you
can save $20 00 on your next pat pre service. CPP North
America offers Happy Paws and is not affiliated wnh Chase.
As a valued cardmember, you are eligible to receive high-
quaky, merchandise not available to the general public from
top brands such as Lenox, Tonka, Disney and more! Just go
to www.rawardoonim.com and enter 161996 where it asks for
your certificate rsmber. Act now, quantities are linked.
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FLR33336 D 9 000 N Z 01 olo o/ P/ge 1 o11 OSfiM MAMA 31376 12110000060003137601
Page 37 of 63
Address Change Request
Please provide information below only i In address information on front is incorrect
SYreet Address: ------------------------
City:
State:
ap:
Momro Phone:
Work Phone:
E-real Address: - -
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want tree
Pam 34 of 63
Statlarneni taw aa:otmt number: 4255 8410 9541 0297
Now Balance Payment Due Dam Puts Due Amount Minknlan Payment CHASE 0
S3,22022 06/21/06 SO.OD 564.00
==211 p?y?p? fo crane Cara SWIM -Iff h the?
Amount Encbaed $ Pmt an took- 1 at arrD. basil
offer and may cancel nagr time.
Indowe Dais
426684103541029700006400003220925224098
SM14MZ 1111013D I.rrlllllnrlr rlrlrrlrr111111111111111111111 Ills l rlrrr11116.1
ANDREWJ ?DERUI
MECHANKSBURG PA 17066-4387 CARDMBABER SERVICE
PO BOX 151St
WILMINGTON DE 196666153
1:5000160281: 203 L0354 L0 297 L11a
StstementDeb: OSh0M-ONDt/OB CUSTOMER SERVICE
CHAS E Q P
Da: d M2
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P
ayrna
Due:
S84.00
Espahol 1
TDD 1-8004664M060
Pay by pima 1.8004967968
Outade U.S. cal Odmt
VISA ACCOUNT SUMMARY Aooourrt Number, 42966410 35410297 '302 694 8200
Proviare Balance $3,170.53 Total Credit lire $31500 ACCOUNT INQUIRIES
P
O
Boa
ism
Paymed, CMOs •563.00
Purchases, Cash, Debit aS119.99 Available Credit
Cash Moses Line .
.
5279
, DE 1 5296
1M
5700 knNgton DE 0950
New Balance --WM792- Available for Cash SZ79 PAYMENT ADDRESS
P.O. BOX 15158
Wilenlington, DE 19M 153
VISIT US AT:
TRANSACTIONS
Trans Amount
Date Reference Number Msrchard Name or Trarsection Downplion Clem Debit
05!10 11301 PAYMENT HANKY $63.00
05x10 2461093613007201 GIANT FOOD STORES 1331 MECHANICSSURG PA 2126
OW11 24610435131M4152929497 CITGO FOOD MART 099 MECKWMUFIG PA 42.54
05/12 2AS1043613 015WOSOMI GIANT FOOD STORES 1120 HAMCSSURG PA 96.34
1XY30 24610496150072016496286 GIANT FOOD STORES 4h331 MECtWNICSBURG PA 1926
FINANCE CHARGES
Daily Parlode Rate Corresponding Average Deily Balance Finance Charge Due Transaction FINANCE
Category 91 days in cycle APR To Periodic Ram Fee CHARGES
Purohaess DDDDO% 0.00% $3,195.65 $0.00 $0.00 $0.00
Cash advances V .06162'% 2249% 50.00 $0.00 50.00 50.00
Total 9neroe charges $OAR
9fecUve Annual Pascal isgs Rob (APR): 0.009x.
Please see Infommsion About Your Account ssctbn for baance oompwdon nwifmod, grace period, and other Important Infonmedon,
The Corresponding APR le tire rele d hbreot you pay when you carry a balance an any transaction category.
The Elloctive APR represent your total thence charges -' A I g transaction fees
such as cash advance and balance Vanisher feet • etprassed as a percatraga.
IMPORTANT NEWS
For a knftd ttma, you're etdilsd b clekn up to 5100.00
worth of your favorhe magazines. Respond now to moetve
an were yes r of nelooftle prooeased by NawSub Semis.
Call by August 10, 200 her selections and suloma9e lenevai
defile. Ouarmtiies areMmibd. Enjoy! 1-800.6W2820. 3JS
As a valued as ch !ember, you are eligible, b recaive high,
quarry nren;handise not available Io the general public trap
by brands such w Lenox, Tanks, Disney and -! Jug go
to www.r wanisoerlbr.oom and enter 167701 whale it asks her
your codlicale number. Act now, quenBaea are limited.
Got4 compiinarrtary weeks of The Wail Sbes Journal, to
Most respaaad, auswolusy and useful nawapsper throughout
Ste worldl After your 4 oomplYnmtary weeks, an additional
26 weeks will be available to you her 5107.50. Cell Today!
1.800.480.9126, tuck for code 2SJCST.
For convenient and secure, 24/7 account access
vtil www.chase.coWeradicarde
Od 29 2007
This Statement is a Facsimile - Not an original
X 0000001 FIS33M DO 000 N z 01 0&9-01 psi" 1 011 O5 MA MA 34614 1621000000001161401
Page 35 of 63
Addnma Change Request
Phase provide information below o* i the addrees information on front Be incorrect.
Slreel Address: - --------------
City: - ---
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Zip: ----- --
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work Phone: --- --
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rakmtm
Pap 32 of 63 Oct 29 2007
Statement for axount number: 4260 8410 3541 0297 /?
Now Bdece Payment Due Dab Past Due Amourd Minimum Payment CHASE O
S3,156.92 o7/22W 50.00 $63.00
Amount Enclosed Now NOWa your tMek pay" to Cases Card ltarrkas
address are-rni't Rant on n Ea betlc.
426684103541029700006300003156920000003
aocz,aaoeD I.relll.l..lr.l.l..l..lleerl.ir,.,11.1.1...11..1.1...11..11..1
ANDREW J KRBDERIII
9 PHEASANT CT CA
MECHANICSBURG PA 17065-4337 CARDABOR 431BE SERVICE
WILMINGTON DE 19086-5153
1: 5000 L60 281: 203 LO 354 LO 29? Llr
StabmentDab: OSWW-07AC W CUSTOMER SERVICE
CHASE 0 P
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P
ay en
ue: SSS.OD
?I I- 3
TDD 1-1100•V55-S06D
Pay by phone 1.000.436-7968
Outside U.S. ad collect
VISA ACCOUNT SUMMARY Axouat Number 42911 $410 3541007 1-302.6944200
Pmvbus Balance
$8220.02
Total Credit Line ACCOUNT INOU!RIES
?.? P
mica 15288
O
Payment, Credits -$64.00 Available Cradit .
.
S343 Wilmk ion. DE 19860.6200
New Balance 53,166.02 Cash Aooees l kis S70D
AvalablebrCash SM PAYMENT ADDRESS
P.O.Sar 15158
Wilmington, DE 10886.6153
VISIT US AT:
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credl Debt
MW 11 1 7892111 9 PAYMENT -THANK Y .00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Fomncs Charge Due Transaction F14MCE
Category 31 days In cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% OOD% 59,169.90 $0.00 $0.00 $0.00
Cash =nooa V .OS162% 2240% SD.DO $0.00 5100 $100
Total Wmernce charges $0,00
BYactive Annual Percentage Rate (APR): 0.00%
Please see knkxmation About Your Account section for balance camptaadon method, grace period, and other important information.
The Corresponding APR is the mb of ambled you pay when you carry a balance on any transaction category.
The E!let thw APR represents your total finance charges - Including bammacricn ben
such as cash advance and balance transfer fees - exweased as a peomdage.
IMPORTANT NEWS
URGENT: As a valued cardmenbsr, claim your Thedr You of a
Ldl year of S magazines, worth up to S100.00. Untied bne
09/1 WN to dam your Thank You of up b S100.01) prrloeeaed
by NswSub Services and for deans. t-WO.541-9426.41.10
You don I soft for bod TV - why settle for bad radio!
Get SIR IUS SATELLITE RADIO - the beat radio on rado. IODY6
commercial free-fast sports, nwn. MR d arssrlakenerd!
Got great deals and a FREE 3-day pass O www,01has •Shn.oom
Spscal SIRIt1S ratio dbr for Chaos Cudonmsm 888-791,731&
-Anantion Chase Cardmambera. Got money bads on purchases
made on your Chase Card. With Trilegianfs Secureall oiler,
you can enjoy savings and security for you--and for your
family too--with the first 60 days for only one dollar.
Cal 1-896-,153-SAFE (7293) by 1Or31106."-
Security and Protection. Al Chase Cardmernbsm receive the
benefit of Zero LWAIty for unauthorized pmacdmsess. Get
eNmrced proboWn against ID Theft by salivating a Chase
Identity Protection (SM) optional menDealdp. Visit
www.chaseidenflyprcbdium.oom and enter Oft ID 51945&
This Statement is a Facsimile - Not an original
X 0000001 FIS33M D 10 000 N Z 01 0&117,02 Pap& 1 of 1 O6 MA 4A "M 1Ce1000010000a679101
Page 33 of 63
Address Change Request
Pbaae provde information below only If the address information on front is incorrect
Strad Addnow: -----------------------
city: - -----------
State: --
ZJp: ----- -
Horror Phone: --- -- ----
Work Phone: --- -- -
---E-mall Address - ----------------- -
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Oct 29 2007
MAM rM
Pa$e 30 of 63 Oct 29 2007
Statement for account number. 4206 8410 5641 0297 w C
New Balance Payment Due Date Past Due Amount k4nmum Paymart CHASE O
58,15692 07/22/06 50.00 $63.00
Amount Enclosed ?? ? your t or or e- 'e Chou Cant Sa,rkas.
i New addrar a iroirt Print an tads.
426684103541029700006300003156920000003
esn,nepcz/eeoeo I.rrlllrlr.Irrl.Ir.I.rllr.rl.I..r.ll.lrl...ll.rl.l..rll.rll..l
9 PH CBrDERIII
MECHANICSBURO PA 171164.4337 CARDNEMBER SERVICE
PO BOX 15158
1fOLMIN(ITON DE 198Bfr5153
1:5000 L60281: 203 LO354 LO297 00
CHASE O Sfalemert Date:
Due Date:
"' 06/02/08 - 07M W CUSTOMER SERVICE
070M
'
??
Payment Due: Espafid 1-888.440.88M
TDD 1-800.954 8060
Pay by !:Ilona 1400-4W79SB
Outeide U.S. Call collect
VISA ACCOUNT SUMMARY Account Number. 4268 6410 8541 0297 1-302.594-8200
PrevbusBapras $3,220.92 Total CreditLir ACC
o
S011W1E8
Payment, Cnadits -564.00 Available Credit B
i,I
3
Now Balance 53,16692
Cash Access Line Wilmington, , DE 1966115296
5700
Available for Cash SUS PAYMENT ADDRESS
P.O. Box 15158
1MNmIngton, DE 19806.5153
VISfT US AT.
TRANSACTIONS
Trans Amount
Date Reiereroe Number Marclant Name or Tarmation Description cram Debit
0&06 11591 111 9 PAYMENT - HANKY $64.00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days In cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% 0.0096 $3,189.90 $0.00 50.00 $0.00
Cash advances V .06162% 22.49% SD.00 S100 $D.W $D.00
Total ku noe own"
Effa, ve Annual Percentage Rate (APR): 0.00%
Please we Information About Your Account section for balance computation method, grace perfod, and other inportanl Information.
The Corresponding APR le the ate of Interest you pay when you carry a balance an any tansy d n category.
The Motive APR rsprosmM your total nonce charges - Including tmnsscdm Pass
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
URGENT: As a valued cardnantar, claim your Th" Yon of a
fut year of 3 magazines, worth up to S100.00. Unhsd time
09r1 01D6 b lain your Thank You of up to $100.00 processed
by Newf3ub Services and for details. 1400-641-3M. 41.10
You don'[ settle for local TV - why settle for local mdd.
Gal SIRIUS SATELLITE RADID - On best radD on mddo. 10DIN.
cornmercial free-ixN sports. news. tatir S emerlakinarntf
Gel great deals and a FREE 34ay pass O www.Chaw-SWA.com
Special SIRIUS radio after for Chase Customers BBB-71IN73121.
-Attantion Chew Cardmambers: Gat money back an purchases
made on your Chase Card. Wlh Trlagianra Sectaeell offer,
you can enjoy savings and security for you--and for your
family too-wish the &at 60 days for only, one dollar.
Cal 1-8011-MSAFE (7239) by 10131/06 -
Security and Protection. AN Chase Cardmembers receive the
benaftt of Zero Usbllty for unauthorized purchases. Get
enhanced protection agakat ID Thelt by aolvating a Chase
IderMly Probation (Shq optional membership. VWK
www.chareidenfflypiokxtion.oom and enter O#w 10 519956.
This Statement is a Facsimile - Not an original
X0000001 RS33386 D 10 000 14 Z 01 Oaffh02 P.ao i e11 OSM MAMA U791 18=00010000a57a101
Page 31 of 63
Address Change Request
Please provide kilwo tablon bebw orgy Il the address information at front is incorracL
Strad Address: ---------- ------
City: - ----------
State. --
Zip: ----- -
Fiorlw Phone: --- -- ----
Work Phorm: --- -- ----
E-md Address: - -----
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Page 28 of 63
Statement for acoount number. 4268 8410 3541 0297
New Balance Payment Due Date Past Due Amount Wrimum Payment CHASE O
53,39028 08/21/06 SO.00 $67.00
Makeyour eMdc p?rspt fo Ohm Card Services. ,?'r+!? in do op[Vml
? .
Anourd Enclosed rvwr aeorsss a o mi9 p* t on b". 1LtAnd to
enclosed
ofbn and may cancel any time.
irmuaio Date
426684103541029700006700003399285255455
ee102aoczmmeD III rills lolls rl.Irrl.rllrr 11111 rrrllrlrlrrr 1111111111 111111111
AfDR HDERm
`159 SERVICE
MECHANI SBURG PA 17066-4337 PO BOX 155158
PO BOX
WILMINGTON DE 193SM163
1:5000 L60 281: 203 LO 354 10 29? Ill"
ebrl
S
t
ert Deb: 07mw - 08101/06 CUSTOMER SERVICE
CHAS E O p
?
.
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Mi1i11%MIi
ayment
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nol 1
TDD 1_800-955-BM
Pay by phone I-NO 496.7968
Outside U.S. sal oiled
VISA ACCOUNT SUMMARY AocountNunrlar 42WW035410297 1-0024804-8200
Previous Balance $3,156,02 Telsl CylecitiLns $3600
P
O
Bat
Payment, Credits -$63.00
Avaisbb Credit .
.
S100 .
DE 10850 6208
ingtonDE
1M1m
Purchases, Cash, De ite +.5906.98 Cash Aocats Line, ,
S70D
NOWBelarroe -92S Available for Cash S100 PAYMENTADDRESS
P.O. Bar 15168
VWmkrgton, DE 19666.6153
VISIT US AT:
WWW.dVLSMCMWWSMMFCIS
TRANSACTIONS
Trans Amount
Dab Rslemnos Number Merdwint Nara or Transaction Dow"on Credit Debt
07/13 11941 11 1 PAYMENT THANK YOU .00
07/11 24510436103010181420787 THE HOME DEPOT 4120 10112014WICSSURG PA 48.60
07112 24610496199072011674144 GIANT FOOD STORES #120 MEDH ANICSBURG PA 55.47
07111 24142020193MI270040 DIST INC CAMP HILL PA 3126
07112 241 1 1176 EXXONMOOL75 04646149 MECHANIC PA 2856
07/18 24810436199072011644285 GIANT FOOD STORES 8120 MECHANICSBURG PA 54.49
07118 2 100021 GEORG08CLEANERS I MECHANKSSURG PA 28.77-
07M 10,1131521WMI20IM? GIANT / # 20 M HANEWURG PA 2625
[7/31 24610436212072010529803 GIANT FOOD STORES #581 MECHANICSBURG PA 34.98
FINANCE CHARGES
Daily Periodic Rats ConeeporAng Avenge Daly Bak os France Charge Due Transaction FINANCE
Cebgory 90 days in cycle APR To Periodic Rate Fee CHARGES
Purchases .00000% ODD% $31=36 $0.00 $0.00 SOAR
Cash advances V .06231% 22.74°% SD.00 $0.00 $0.00 $0.00
Total finance charges
$0.00
Effecom Annual Pwo"s, Rate (APR): 0600%
Please an Iniormaaon About Your Amount rrscaorl for betsnce co mprtstiorr rnsblod, grace Period, and othw impodwd intor hem
The Cornspondirg APR is do nb el Intend you pay whom you carry a balance on any transaction category.
The Eftsotive APR represents your tc W Genoa charges - Including tamseotim fees
such as cash advance and belarws transfer fees - expressed as a peroeraage.
IMPORTANT NEWS
Final Nobs: Log on before October 16, 20081
As a valued Cardme mbar, you're ensiled b a Thank You
valued up to S110.00 from New3ub SerAoes. You must act
quickly. Ouen1' are krnited. So log on for debits and
your magazines now: www.mybawsoenler caNChese. SW8
Claim your reward today! If you d your opportunly last
xm sit , you still have time to claim your Jackie O. Jewelry
CONSCOW! Bbnply go b wnVar.MN&M liftlw.0pm AM enler
164343 where it asks for your oertiboafe raarlber.
It's Reward CentWa way of saying 'flanks.'
Oct 29 2007
This Statement is a Facsimile - Not an original
X 0000001 F1833M D 9 000 N Z 01 06,0"1 Pepe 7 a t 06M MAMA 33102 21310000000003310201
Page 29 of 63
Address Change Request
Please provide information below orlly M to address information on front is inoorroot
Street Address: ------------------------
City:
SIalK
Zip: ----- -
Flans Phone: --- --
Work Phorm: --- -
-E-ml Address: - --------------
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Pap 26 of 63
SUtWMnt for account nurnber: 4286 6910 9541 0287 /?
New Balance Payment Due Data Pest Due Meant Wrfmum Payment CHASE a
SS,423.42 OSr2U06 9D.DD $88.00
Mrdn your check psysWe to phase Card Services, &-roll t? l
Amount Enclosed New address or o-thou? Print an back I =tend the enclosed
offer and may cancel any time.
Initials Uale
426684103541029700006800003423425269536
5460 BOC Z244MD I.r rlllrlrrlrrl.I.ri.rllhrrl.Irrrrll.lrlr.rllrrlrlrrrllrrll..l
3?PHEEAASA TRBTCDERlll
SERVICE
BOX 15163
MECHANICSBURG PA 17065-4397 PO CAPWBABER
PO BOX 15163
tMLMINGTON DE 19885-5159
1: 5000 i 60 281: 20 3 i0 3 54 10 29 7 if's
Statement Dead: 08/02/08-ORIDIM CUSTOMER SERVICE
CHASE O ' Pa
e
D $5
'? I
,
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t 5
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TDD 1-SOD-1359050
Pay by phone 1-800-498.7968
Out" U.S. IN collect
VISA ACCOUNT SUMMARY AoaamtNurabsr:420OW035410297 11-3132-594-8200
Previous Balance S3,399.28 Total Credit Line $3.600 ACCOUNT INQUIRIES
P
O
Box 15298
Payment, Cm to -$67.00 Available Credit .
.
5'78
WNrNngton, DE 19150-5201
Purchases, Cash, Debits +$87.80 Cash Access Line S71Xt
Finance Charges +$29.94 Available for Cash $76 PAYM9VT ADDRESS
Now Balance S3,42342 P.O. Box 15159
Vltmkgton, DE 19888.6159
VISIT US AT:
TRANSACTIONS
Tres Amount
Date Reterancs Number Merchant Name or Transaction Description Cred'd Debit
07411 241 1 I 149 A 52528
07181 24184058213887000001069 WO W0811.75 O"46149MECHANIC PA 42.54
DBMS 12272270208277225210518 Payment Thank You Electronic Chk 67.00
FINANCE CHARGES
Finance Charge
Daily Periodic Refs Comasp. Average Daly Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rah Fee Fah Charge CHARGES
Purchases .021ag% 7.99% $3,439.49 523.54 $0.00 $0.00 $28.34
Cash advances V.08011% 22.74°% 50.00 $0.00 $0.00 $D.OO SO.OO
Total finance charges $23.34
EHacOa Annual percentage Raw (APR): 7.9196
Please aka Information About Your Account section for balance compulstion method, grace period, and other important information.
The Comispondrg APR is the rah of interest you pay when you grry a balance an any transaction category.
The Effecivs APR reprseerds your total finance charges - ickndnhg tra s scion lees
such as cash advance and balance trenaler fees - as a percentage.
IMPORTANT NEWS
As a Valued Cardnwrber, you're enttled b claim a Thank You
worth up b S100.00. Rapt' by 1Or1WS for an entire year of
your favodb megezlnas proceaesd by Synapse CMW-t
Cal 1-800.927-9BBD or log on b www.gilkardIDO.oonJCtane
for automatic renewal details and to seW your favodbs.
NEW. Unlimited Inbmat aooses with PeopkIPC Online for
Only S4.97/monlh for 3 monftn, tan just 58.95hnonth. With
Vitus Prole of lon, Pop-Lip Blodur, "in controls. Internet
Cal Waiing, and more! Cal b layl 1-877-775-1210. Mallon
Orm Code! HEYDAYS. Or Visit www.pedepecom/gdheydey8.
Whatever you'd Ike to do - refinance your mortgage to get
extra cash, make home improvements, even buy anew hon
Cal Chose trot at 1-868.8368935. We can help whit a1 you
home francirg needle. Al barns subject to credit and
property approval. Equal I lousk p Larder.
Why pay a higher rate with other cards, when you may be
able to consolidate your balances and am on interest at
the rime line? Please cal the Balanoe Trsrrter Hollins at
1-80D-94b2D14 to see I you query today!
Oct 29 2007
This Statement is a Facsimile - Not an original
x 0000002 FIE3=6 D a 000 N Z 01 050"1 Ptee 1 1 OSM MAMA 54548 444100000800064"601
Page 27 at 63
Address Change Request
Please provide intonnation below orgy If the address information on trout is incorrect
Strad Address: --------------------
City:
State:
ZIP:
Floma Phone: --- -- ----
Work Phone:
E-ml Address:
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Pa$e 24 of Iz Oct 29 2007
S'Ldtenflant irx account number. 4286 8410 9541 0297 /?
hbw Balance Payment Due Dab Past Due Amount Minimum Payment CHASE O
S3,377.89 imi/06 50.00 567.00
Chaft
batik. utl Services.
Amount Enclosed =m c n` `ter insirr P*M an
426684103541024700006700003377695286009
in do
IRaft r mi.
offer and may cancel any time.
N
9x6 mxziff4wn 11tgill. 11111.1.11.1.11111tills 1111111111.111111.111111.111..1
ANDREW J KRBDERIII
3 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17066+4337 FO BOX 15153
WILMINGTON DE 19866.6153
1: 5000 160 281: 20 3 10 3 54 10 29 7 llr
Statemerf Dab: 0602!06 -1=1/W CUSTOMER SERVICE
CHASE O
Due Date:
°'"1
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Payment - Due $
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TOD 1480041156-8060
Pay by phone 1.600.4367968
Outside U.S. osI odaot
VISA ACCOUNT SUMMARY Account Number; 4266 0410 35410297 1-002.594-8200
Pmvbw Balance $3,423.42 Total Oro& Una 600 ACCOUNT INQUIRIES
Payment, CMOs -568.00 Available Craft S122 Wilmington, DE 19860 0298
DE
Finsnoe Charpss +52227 Cash Aocees Ue S700
New Balance S3,377.89 Available for Cash S122 PAYMENT ADDRESS
P.O. Boa 15158
Wlfnngbn, DE 198866159
VISIT US AT.,
TRANSACTIONS
Trans Amount
Dab Reference Number Merchant Name of Transaction Description Craft Debk
OW13 i 1001311167 S Payment Thank You ronioChk .00
FINANCE CHARGES
Finance Charge
Deily Periodic Rate Corresp. Average Daly Balance Due To Transaction Aocur ukhBd FINANCE
Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $9,591.16 52227 $100 $D.00 $2227
Cash advanow V.0=1% 2274% 50.00 $0.00 $0.00 $100 90.00
Total hence oharges
Eifeetive Annual Psraentage Rafe (APR): Tim
Piwee see Information About Your Account section for balance computation method, grace period, and o1 her important information.
The Conealov di APR is the rate of interest you pay when you on" a bahmoe on any trareachon category.
The Efleotlve APR relowm to your 10661 Ilya tce da%m - Inch ng lransactbn fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Whatever you'd Ike to do - mkan s your mortgage ID gal
extra cash, make home Irnprovernenti, even buy a raw home;
Cal Chew lral at 1.866836.11M. 41fe can help with all
your bons financing needs. AN bens subject b eredt and
property approval. Equal Housing; Lender.
Enjoy low web rates, special oNws and a discount loo when
you use your Chase/Herls CDP# 974210 at harh.oom.
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Big wvlrW on 2D tea marvel oranges, grape" or mkod.
First time buys s any-$24.95 pus s&h. limit 2, ends 01/15.
Malt W W W.ENJOYCITRUS.COM or cak 1.866.231-2314 depLO6X
Cardmember cudorner service. 1.606!3,56.9900.
This Statement is a Facsimile - Not an original
X 0000001 FIS; 0 6 6x6 N Z 01 6x9641 P.90 t of i 05666 MA MA 36826 27410x606866036826(11
Page 25 of 63
Address Change Request
Please provide trdorrnabon below only tf to address inforrnation at front to irloarrect
Streel Address: - -----------------
City: --
State: --
Zip: --
Horne Phase: --
Work Phone: --
Errml Address: - ----- -
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Pap 22 of 63
Statement for aooount number: 4266 5410 5541 0297
Nov Baience Payrnent Due Data Past Due An1ouni W iimean Payment
CHASE O
S3,333AI 11/216 SD.00 866.00
.
Ancurd Erlcbsed 1Nnecs your eMek ppaayyable to CAsa Cara tisnkhes
Now aWnin or s-m ll? Print an bear. y?
in the ' R In.
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1 sand the enclosed
otter and may cancel any fims.
Initale
426684103541029700006600003333415303215
eater aEx z aoese D I.,.III1111IIIIII.Ii.1II,,,11111,11111111.. 11..1 site I IIIIIIIII
ANDREW J KREIDERm
S PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17055-4337 PO BOX ISIS!
WILMINGTON DE 18865.5158
1: 5000 160 281: 203 10 3 54 10 297 ilt¦
Stslemod Dab: 10/02!08 - I I/OI 06 CUSTOMER SERVICE
CHAS E O "
l
and "?0D '
P
M can
ay
Due: Esppahol 1
TOD 1-800.555-8060
Pay by phone 1.600-436.7858
outside U.S. call " -I
VISA ACCOUNT SUMMARY Amount Number: 4266 6410 35410297 1-3024694-8200
Previous Balance 83,377.59 Totel Cradle Line $3.503 ACCOUNT INQUIRIES
Bw ism
Payment, Croft -$67.00
Rnanos Charges +522.72 Avell" Credit
Oesh Aoceas Una S186 Wilmington.
S700 mhhgtonl DE
DE 188tS0 5298
New Balance ,-& 41 Avalable for Cash S155 PAYMENT ADDRESS
P.O. Bore 15158
Wfimhgton, DE 196865113
VISIT US AT:
TRANSACTIONS
Trans Anicurd
Dab Reference Number Merchant Nems or Transaction Damn ipilon Credrt Debit
10/14 128 267 1326398 1 Payment Thank Y. ronic .00
FINANCE CHARGES
Firanoe Charge
Daily Periods Rate Corresp. Average Daily Balance Der To Transaction Accurnulated FINANCE
Category 31 days in cycle APR Periodic Fate Fee Fin Charge CHARGES
Purohaaee .02119% 7.99% S3,347.64 S22.72 $0.00 SID OD 822.72
Cash advances V.00231% 22.74% $g-0D S0.0D $0.00 50.00 $0.00
TotalBnanoe charges 522.72
Elfeotlve Annual Parcantage Rats (APR): 7.99%
Please see Inbnrrion About Your Account season for balance compulation ..will , grace period, and other important inlanna iat
The Correspordrig APR is do rate of interest you pay when you carry a balance on airy transaction category.
The Effective APR repnesenb your weal finance charges - Including traraatlon tees
such as cash advarm and balance transfer fees - expressed se a percentage.
IMPORTANT NEWS
HOLIDAY SHOPPERS: Get low pdcee on
MP3 players, toga, d181W cameras, list screen TV's,
and lob mono through Trlegianrs offer. You can gat up
to S50 cash back on purohaaso with your Shoppers Advantage
membership. CALL 1.866.8857233 TODAY.
Whatever you'd lice to do - m4nanceyour nartgage to gel
extra cash, make larrr knprovemenkl, even buy a new han
Cal Chase first at 1.0660368936. Wb can help wlh all you
home irlanckrg needs AN loans subject to made and
properly approval. Equal Hw* g Lender.
Use 4,800 Instant Tokens loward gR !gems and more.
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Visit W W W.ENJOYCTRUS COM or n1 1-986731-2314 dept.Dec
Cardrnernber custorner service: 1-800.-%&99DD.
Oct 29 2007
This Statement is a Facsimile - Not an original
X000=1 rG33335 D 10 000 N Z 01 09110 Pap I or I 05!88 MAMA 30166 3D61000010000031e5D1
Page 23 of 63
Ad&ew Change Paw M[
Please provide nformation below or* if the address informMion on front is inoorreat
Street Address:
City: - --------
State: --
Zip: ----- -
Rotate Phone: --- -- ----
Work Phone: --- -- ----
ErnaOAddteaes:
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Pam 20 of 63
Statement for actoount nuirnber: 4208 8410 9541 0297 /?
New Balance Payment Due Date Past Due Amount M'nirnum Peymrht CHASE O
S3,289.07 12/21/06 50.00 $66.00
Encbaed 1Mke yOYr psy?bla b Cho Ord lirvlas will me in the
Amount I
S Maw sdruass a e•msY? Print m rack. =Pd-1 otsr
offer and may cancel any time.
ry
426684103541029700006500003289075322574
ANDREW z I.hhlllrlrrl.4l.IraI.hllr4rlrlrhhhll.Irlrrrllrhl4lhr.llrrll.rl
ANDREVy J KREI Rf3DERllI
SS SERVICE
LPHEASANT CT PA 17056.4337 010 CARDN BOX IS 15I53
MLA41NGTON DE 19866.5153
1:50001,60281: 203 10354 LO 297 ills
CHASE O Statement Dade:
P.yn,.M Due Date: 11/OYW -1241/08 CUSTOMER SERVICE
12121/06 I
U
S 1
coo
rwnwm Payment Due: n
.
-
-sas2DOD
W5.00
Espaiid 1.866-4489908
TDD 1-800-OS&BO80
Pay by phone 1.800.4387968
Outside U.S. ad o I
VISA.A000UNTSUMMARY Account Number 4268 Wig 35410207 1-302-694-8200
Previous Balance 53,333.41 TOW Credit Line O
BONTINOURiIES
53.500 P
P
O
Saw
ism
Paymerd, Cordite -$86.00 AvaBsbb Credit .
.
.
.
5210
DE n
DE 19060 6296
Wfimlhgton
Finance Charges +521.68 Cash Access Una ,
5700
New Bastim --W2-W-07 Available for Cash 5210 PAYMENT ADDRESS
P.O. Bow 15159
WBmhngron. DE 19886.5153
VISIT US AT:
TRANSACTIONS
Trans Amount
Date Rstrenee Nunbar Merchant Name or Transaction Description Credit Debit
11/11 131 1 Payment Thank You lectranio k 586.00
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Cormw Average Dally Bala roe Duero Transaction Accumulated RNANCE
Category 90 days In cycle APR Perbdc Raft Fee Rn Charge CHARGES
%wheaea .021t01Si 7.89% 59,287.71 $21.65 $0.00 5000 521.66
Cash advances V.06231% 22.74% $0.00 9100 $0.00 S0.0D $0.00
Total finance charges $21.66
Effective Annual Prorrtsge Rata (APR): 7.011%
Please me khforrnation About Your Account season for balance computation melt , grace period, and other important infonration.
The Coneeme:M APR Is the rate of intered you pay when you carry a balance on any transaction category.
The EtecUve APR represents your told finance charges - Indudkp tmrcecton fees
such as cash advance and balance transfer fees - expressed as a patosnlage.
IMPORTANT NEWS
Claim your reward today! You ad have time b da!m your
Thorns IONcado Utrogra". Simply go to
www-rewardcente.oom and rap 167512 whys 8 asks ter your
car8tcate rumba. Take &*an"& or v a **I opporasdy,
b claim this exclusive wfieollon!
HOLIDAY SHOPPERS: Get low prices on
MP3 players, bye, digital cameras, flat acrimn TV*,
and iota more through TnfieglanYs oflar. You can gat up
to $50 cash back on purchases with your Shoppme Advantage
membership. CALL 1.806.063.7233 TODAY.
As a valued Cardnember, you've been Issued a Thank You up
to 5100. Claim your favoriles, each with a low he of S2.95.
Log on for detafis and claim your Thant You up to $1001rom
SynapseConn ct. mvw.gi!!card100.oaNc!aim. Cade 29255
Take $10 of Florida's finest dtnn at Are FrnSy Farmd!!
Big savings on 20 be navel oranges, grapdndt or mired.
F irst time buyers only - $24.95 Plus S&H, Bradt 2, ends
01/15. Vlafi WWW.ENJOYCRRUSCOM or call: 1-888-231-2314
dept.06x Cardmembar Customer Servim: 1-800.8589800.
Oct 29 2007
This Statement is a Facsimile - Not an original
X003=1 Fn.y, 3336 D a 000 N Z 01 06'12101 F.P I'd 1 OOM MAMA 48M 3391000000OW409MI
Page 21 of 63
Address Change Ralpw
Pbaw provide eYformation bellow o* E the address information on front is inoonw
Slreat Address: ---------------------
City:
State: --
Zp:
1lone Phone: --- --
Work Phone: --- ?-
E-mtal Addrews: - ---
L
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alMr r Ilhvb w bdernRalYrR hen yaw dadR Y nrlb. eNtakb alRtlrsRk kM
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we h.bktwr, wadr OF ad ya. w yaw woNR(a pu sVr b d NINn
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trnlwrwawRYw dollar ad Erb adraaaa OW. rdd Irwdr pwalawa.
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alkYe roar rrlMNdlkna?~rkOwM wMwrn Aiy Naia raN NIMTM i
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aw ary Prb! Eras dMOra..d s Elassadiatl fF.rw dead fir aadR oYw
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ryrr low aM o ysw PaynMl Nov ax
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appal an add d W to dniy Nhaye faaw dwoo M d Yrw. ib dMawbr w
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wove b~kaaWri fyr NaNpilip as a ddy bbwM ach fadwy
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awpWtdklirw Awpn Mwkfp enla larawwrMklws des
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w brae dww - lm w dale 1 k tlid Y ywr dank babes wd i NynwA k Id k Im" YvouunriMwrb your succOWAL III, k0 =Iin yMwe"r ryd eaol year New Bo aypaownn
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load Yrmkdaa. tYlltks w M yr.N a.O rail.
You ED ON lrw b g wyrMdd ld lwtlM r1Yw w 1?a1? bdyw m dll
MOM No pay to one d pw W des w W in Mali ML wYk we tdwdOdl pw
WANK va comol mW you w akpwd or No adbn Is &AM w dlMwl you
Mw iglwdrdaryRaywq}riiwdtid, yew awn tld w ?wary?lldpOt iBVI.Ol&
Head dNw w wiWmq mwiwhWOnwsavin bRatwdga Mww
iRwswde ygnrwd'Naabiid b NOW,
iPldN A* M ONE CM Paabwt NyMA hadi bkm wlkwgalpdOPOrr
Mraaw Vol yea PIaallsr Nat 1 veldt asd padmams rMr wdh. dm*.
adyr Yes eiadnpMlb,hb wRtwtw pobbm wnrdMLywdrarahw
Y Nyw mwrinOMrwl w MAMA pw r aanNr Y1u low Ne PradaWl My
W n w wApad NM lowtwd awl w yOMrw w wad b ywr Mw dlb
a ;TO-D= d pr wEap adim Tbw widow do rd op* 1 w low w
walsww elm wow wMyMAwaMrlkwwsdMwprapa,yaswa6w.
Oct 29 2 407
an
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lad r mm fallt Pb= loom yrr Iwl or a" twd i.sodarl! by aLl!ip!e!
CwlwMr kwdr aRwilr Ywd M In Ina of YOM taala0rd. Addrw ad ?.m
awbbb buM pd Yoawe Ruch M Advm by PNwiq 0 dowyes war pad awro,
MARINE.
Page 18 of 63
$tat@mCnt for socowtt number: 4266 8410 3541 0297 /?
Now Balance Payment Dim Dab Past Due Amoud Minimum Payment CHASE O
S3,407AI OV21117 SO.00psr Sm.00
ChOw Ca
oem rd 8ankss. ?PmbrAnF Plan
Amorari Enclosed nqw acs `rmac n?`e-m?7 PM`?ann
ofr? and may ce"mnael any tims.
ry 6
426684103541024700006800003407415334668
3MDMZI07o i.rrlllllrrlrrl.lr.Irrllrrrlrlrrrrll.lrl..rll.rlOllie llrrll.rl
33 PHHEEASW CT
RIl1
MECHANICSBGCUTRT G PA 17056.4337 CARER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5163
1:5000160281: 20 3 1,0 3 54 10 29 7 iI'
l07
,2azro6- SERVICE
CUSTOMER
"
'
' '
O Payment Due Dab:
CHAS
E 011121,07 in U
S
1.800.946.2000
Mnn cm Payment Due: .
.
S
86
00
Espahd 1-886448.9908
TOD 1480049558=
Pay by Ovalle 1.800.436-7968
Outside U.S- ad coxed
VISA ACCOUNT SUMMARY Aocount Number: 4288 $410 3541 SM 1-902.594.8200
Pravba 8612111011 53,288.07 ToW Credit Lira O
Ste Boa 5295 ACCOUNTMOLIMIES
$3,:100 P
P
O
Payment, Credite -$66.1X1
Pumhaaea, Cash, Debits +5180.89 Available Credit
Cash Access Lire .
.
.
$92
. Vdmkgkw% DIE 198665298
5700 DE
Finance Charges +$22.51 Available for Cash SW PAYMENT ADDRESS
New Balance $3,407.41 P.O. Boo( 16168
Wliriroon. DE 19886.6163
VISIT U8 AT:
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Cries Debt
121 1 11 1898 avmsnnt hank You Sawronic, k sums
0p
1 Z120 24610436355M 15740780 ECKERD DRUG 1919 DILLSBURG PA 60.1X11
12120 241 E)OCO IL76 04548140 MECHANIC PA 16.60
12/2024/4202698x00016800132 WESTY BEER DIST INCCAMP HILL PA 28.08
12126 24445006381688014912135 SON-TON-CAMP-HILL s0031 CAMP FILL PA 8625
FINANCE CHARGES
Fiance Charge
Dally Pei Raw Corrssp. Average Daly Balance Due To Trarrsctlon Accumulated FINANCE
Category 31 days in cycle APR Periods Rate Fee Fin Charge CHARGES
Purolaaee .02189% 7.9946 S3.316.76 :22.61 $100 50.00 522.61
Cash advances V .06231% 22.74% $100 SOAO Saw 50.00 $0.00
Talal finance charges 52251
Effective Ampat Pam boo Rata (APR): 7.99%
Please we Information About Your Account awbon for balance computation metmd, grace period, and other kmporlant information.
The OornNpondifg APR is the r ale of tilers l you pay when you carry a balance on arty transaction category.
The f7fecivs APR repmaanw your total fiance charges - in0krdirlg trarlasction tees
such as ash sWance and balance vanawr was - expressed as a pwoenage.
IMPORTANT NEWS
Gat 25% o8 TaxCut Online at wwwhrbbckoorrektass/offer
and sated the arms program n*d for ycrc TsxCut Basic,
Prerrturrl or Signalum Veld 1211/08 b &lM7. Disoard does
not apply to purchases of stab programs. Cannot be combined
with other oflena. Void where prohblledrraetdcwd by law.
NEW! Unlrnlwd Inwmst acaes with PecplsPC Ordne for
only $4.97/monlh for 3 months, teen just S9.9&morih. With
Virus Pmbcft% Pop-Up Stocker, spem controls, Internal
Cat Waiting, and more! Cal today! 1.88&STRYNOW. Menton
Offer Code, HANK Or viat: www.peoplepc.cortJgdhsn e
Why pay a higher rate with other cards, when you may be
able to oonedidele your belances and am on interest at
the same time? Please call tr Balance Trarrbr Holfine at
1-WD-9462014 to ass t you qualify today!
Oct 29 2007
This Statement is a Facsimile - Not an original
X cw=i ris33336 o w a0 N Z 01 07101,01 Bye 1 011 cases MAMA 36410 00110000100003fia1001
Page 19 of 63
Address Change Request
Phase provide information below only if the address etfameetton on front is incorrect
Street Address: - -------------------
City: - ---
State: --
ZIP: ----- --
Horne Phone: --- --
Work Phone: --- --
E-rnal Address: - ---
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ad at wrrap INN MYw. M rid pN W baser ndrwb M al leverva ft rrnbaf twM bra in
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Oct 29 2007
aaeaaw
Pap 16 of 63
Statement for samunt number. 4205 8410 9541 0297 CHASE O
New Balance Payment Due Date Peat Due Arnrmt Minimum Payment
53,1142.86 02721/07 So.w S1a3.68
Make your dMOk ppgqabN b Chas GM Servioss. Tax ire is hem. Make
Amount Endowed nfaw urwwrsas o 1rmY7 ariru an tlsotc. Y°Or"s'4 Chase
nrd- vial[
www.dvwspayyourWea.oom.
426684103541029700018388003542880000000
128" WX 2 0= D IN. 1111,111111111,11,,11,,,111,111,11.,1
ANDREW J KREIDERIII
9 PHEASANT CT CAFdAEM BER SERVICE
MECHANICSBURG PA 17068.4337 PO BOX 15153
WILMINGTON DE 1988&11153
1:50001,60281: 203 10354 10 297 1,ila
?
? 01102/07 - o2atro7 CUSTOMER
SERVICE
CHASE O
O
nt s
?
AD In
11400-9,15-2001)
1
88
PPrn
Abs'mlmr
y
sr
ua pail
4
8
$183
,A88-446-SOB
8
TDD 1-800.865-8060
Pay by phone 1-800.496-7955
Oufaids U.S. od Called
VISA ACCOUNT SUMMARY Account Numbs: 4256 $410 95410297 t?so2 aw azo0
Previous Balance $3,407.41 Total Crock Lire
IRIEB
O. ACCOU Boa 15298
$4,600 P
528e
Payment, CNdU •$68.00 Available Crack
Purchases, Cash, Debits +St SS.78 Cash Acosss Lim .
SD WWd guw% DE 19860.5298
S70D
Finance Charges +$WAD AvaisbleforCash SO PAYMBITADDRESS
New Bekaa $3,542.88 P.O. em 151511
W$n4rgt^ DE 19886.6163
VWTUSAT:
An owe-iNt fee is ra leoted on he bring stelement. Your mntirarm payment reflects 1% of
your alatsment baknos, pus any over4mit amount billed kdersal, and the bled over4mi fee.
TRANSACTIONS
Trans Angus
Dale Reference Number Merchant Name or Transaction Desc phon Credi Debi
01A92461007OND7201 424 GM FOOD STORES 9120 MSCHANICSKIRG PA &F-18
D1/032415405700483700D00185B EX0ONMOBIL75 04546149MECHANIC PA 49.60
DIf03 241 EXXONMOBIL75 0454e149 MECHANIC PA 28.00
01/05 OVERUMIT FEE 39.0
DIASlDlSD15023ONS16MJ939 Payment Thank You ElectranioChk 68.00
FINANCE CHARGES
Dally Periontc Rate Corresp. Average Dally Balance Due To Tnresollm AmanWatad FINANCE
Category 91 days in cyde APR Periodic Rata Fee Fm Chaye CHARGES
Purchases V.08094% 2224% 53,630.09 $66.69 $MOD 50.00 586.69
Cash advances V.0664r/a 24.24% $100 50.00 $0-00 50.00 $0.00
Total inane charges $68.62
EfMetlvs Annual Paco tags Rata (APR): 22-24%
Please sea Informafon About Your Acoount ieabon for ba&um computation nwthod. grace period. and odwr in4wrtani nbrnwtion.
The Corresponding APR Is tha rats of Intanal you pay when you wry a baknce on any transaction alsgory.
The Effective APR represente your total fnanoe charges - rmkm*g trsrwaotion fees
much as ash advance and 6skna banister two - expreseed as a penxNege.
Od 29 2007
This Statement is a Facsimile - Not an original
x0000001 Fl803= D 10 000 N Z 01 07,12,01 PAp41 m i 05696 MAMA 12-41 =10000100001291401
Page 17 of 63
Address Change Regmeat
Please provide information below oriy 161e address i fombtion on front is inoorrect
Strom Address: - ----?----
Ctty: - --------------
Stare: --
ZIP: ----- ---
Horne Phone: --- -- ----
work Phone: --- -- ----
Small Address - -----------
L
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Pa$e 14 of 63
Statement for account ntxrlbw-. 4255 8410 3541 0297 CHASE 10
New Balance Payment Due Dab Pest Due Anxx" Minimum Payment
S3,704.47 08421/07 $141.00 5543.47
slake your eMek ppasyyable to Cttsss GM Ssrvbo Tax irrne is Make
Arnanf Errcbaed = Wrr ammo ar s-me11+ Pons on 6adr your ppyrtbnt Chase
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www.chasepayyatx Wces.ean.
4266841035410297000543470D3704470000000
12015MZDSM 0 Lr.IIIrL.1A.1A1r.LrILrrlJrrrdlrLL.rll.rlrl.r.llArllA.l
ANDREW J KREIDERIII
9 PHEASANT CT CARDMEMBER SERVICE
MECHANICSBURG PA 17065.4337 PO BOX 15153
WILMINGTON DE 19886-51153
1:5000 L60281: 20310354 &0297 ills
C
MER SERVIC
UST
°?J0uD7 1
CHASE O PP In U.S.
1W
bue, 0D
V343 47 Eepalid
TDD 1-800x8050
Pay by phone 1-800495.7968
Outside U.S. cal coped
VISA ACCOUNT SUMMARY Account M, ',r 4255841035410297 1-302-69482W
PreldwnBaltacs $3542.88 TOWOra& ins O. Box WTINQUIRIES
59,WD P
B
ism
Purchaos? Cash, Debits +$78.00 Available Credit .
li
SD Wil
. DE 198606208
' DE
FManoe Charges +$&9.59 Cash Aoosse Line 5700
Now Balonce ---5,-70447 AvalableforCash 9D PAYMENTADDRESS
P.O. Box 15153
Wilmington, DE 19SM-51 53
VINT US AT:
An over-Frio fee and left be are rebcled on 1Ms billing sudwnea Your mInImwn payment
reflects 1% of your statement balance, pkis any pasl-dus and over4irdl amounts, billed interest
and the bled over-linty and late fees.
The roe APR and promotional rate expiration rofkrcted on lhie datemert is s reaul of a late
payment an your account. For your oonmil nce, you can always pay online by accessing our
webalb displayed on this atsteniranlt
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
am OV04UMIT E 090D
02/22 LATE FEE 99.16
FINANCE CHARGES
Finance Charge
Daly Ponodic Rate Comosp. Average Daly Balance Due To Transaction Accumulated FINANCE
Calawy 28 days n cycle APR Periodic Flab Fan Fn Chaps CHARGES
Purchases V.06217% 29.08'.6 $9169306 $83.58 $0.00 50.00 $83.59
Cash advances V.06217% 29990m $D.00 50.00 $0.00 SO.OD $0.00
Totel finance charges
$53.88
Active Annual Pa call Up Rate (APR): 20.99%
Pbese sea Information Abort Your Aooount section for balance oomphion method. grans period, and other important nbrmet on
The Corrsspo>rdkg APR is the rate of irtereat you pay when you carry a balance on any transaction category.
The Effective APR represents your total **nos charges - Including transaction Tees
such as ash advance and balerce transfer Was • expressed as a psrartage.
IMPORTANT NEWS
NOTICE We are replacing to Two-Cycle Average Defy Balance
Method (computs inlenesf on previous and cumnt oycle
purchase bakncse) with to Average Day Solana Including
row purchases Mefcd (purchases dally balance limes
purchases dally rate each day only in the current cycle).
Oct 29 2007
This Statement is a Facsimile - Not an original
x 0000001 PS33M 0 7 am N Z 01 0711&01 PAar 1 011 05816 AAA. MA I WS 0 6010 0 0 0 070 0 01 2e1501
Page 15 of 63
Addreae Change Request
Ploam provide information below only i fie addmee information on front is incorrect
Street Acidness: - ------------------
city: --
State: --
ZIP:
Fortes Phone:
Work Phone:
Ernai Addrom
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Pap 12 at 63 Oct 29 2007
Statement for mmuri number: 4266 8410 3541 0287
New Balance Payment Due Dab Past Due Amount Wrrmum Payment CHASE
59,879.37 1)4/21/07 $339.00 S931.37
Amount Enclosed n ee a ainakt P" an back. Ca Services.
426684103541029700093137003879370000008
13114 nEXZ 00107 D In 21111 11111 lrinlniiulirinuilrlrim 11111 Niger llrlllnl
ANDREW J KREIDERIII
3 PHEASANT CT CARIMAEMBER SERVICE
MECHANICSBURG PA 170564337 PO BOX 15159
WILMINGTON DE 19SBB-5153
1:5000&60281: 20 3 10 3 54 10 29 7 10'
CHAS E O Paymen,9Due 8Data: 0401p7 CUSTOMER SERVICE
U
S
' 7 I
1
80
minimum Paynsrll Due: SN
.
.
n
.
0.94&2000
5831.37 Espefid 1-888 446 9908
TDD 1-800455-8050
Pay by phone 1.800.4357958
Outside U.S. cal Doles[
VISA ACCOUNT SUMMARY Amount Number. 42M WO 35410287 1-3024594-8200
Prevbua Balaha $3,704.47 Total Credit Line 1600 ACCOUNT INQUIRIES
Purchases, Cash. Debits +$78.00 Availebb Credit ISM
SO P.O. Box
Fsence Charges +598,90 Cash Access Lim n
, DE 19860 5298
5700 DE
New Balance -W878,37 Available for Cash SO PAYMENT ADDRESS
P.O. Bak 15158
WImINIZon. DE 19886.5153
VISITUS AT:
A lab fee and overrRmt be are retkaed on this billing atetement Your minimum payment
letecte 1% of your statement balance, plus any past-due and over4iml amounts, bled interest
and the billed late and over-int fees.
Your credit card amount Is Past rue. Please mid payment immedately. Cal 1-BOa955-SM
(poled 1.302-694-82O0) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchslt Name or Transaction Description Credit Debit
03102 OVMUMIT F .00
03122 LATE FEE 39,00
FINANCE CHARGES
Flnanos Charge
Daly Periodic Rate Comm. Average Daly Balance Due To Trarmaoflon Aocunulahad FINANCE
Category 31 days in cycle APR Periodic Rob Fee Fm Charge CHARGES
Purchases V.032171/6 29.99% 53,805.88 06.90 $0.00 50.00 SM90
Caah advances V .D5217% 29.99% $0.00 SD.tb $0.00 , MOD $0.00
Total finance charges $96.80
Effective Annul Pa go logo Rate (APR): 20.99%
Please see Information About Your Account section for balance computation rrelhcd, grace period, and other important Inbrrreft .
The Corresporxing APR is the rats of krierew you pay when you carry a balance on any tmrrseclbn category.
The Etbctve APR represents your tdal finances charges - indudrg transaction fees
such as cash advance and balance transfer lees - expressed as a peroemags.
IMPORTANT NEWS
Family 4 Pads: 4 Tickets b Stu Flags forpxit 99 Dollard
Now through June 30, 2007. Purchase 4 general admission
drkem onlne to any Six Flaps Theme Park and pay Just 99
Dollars. Log onto your account at Chase.cem b teke
advantage of thin exclusive offer.
This Statement is a Facsimile - Not an original
x 0000001 FOa'=M DO 000 N Z 01 07.9491 Pare 1 of 1 058M MAMA 13114 09110000090001311401
Page 13 of 63
Address Change Request
Please provide iMormatian below only i the address information on front is irmrreot
Strad Address' --------
City:
State:
ZJp:
Morns Phone:
Work Phone:
E-rna0 Address: - --N,-_--------- -
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ab?w. . tbwme. you will kw w prom period a the mw Peoekws w dwri6wd
KIM MOM SWAMN
M dad Enan or Mr111wABN WE MR ¦pdabttw M bans rS Vaamid
aSS idarnwthn dreelrratinM Wl nib CwrtlrwnaYw Sreimmawwpse
AM M11 Ra. am ISM mhhowt nE i@Nm-0MMI n wmn pwei We rhad kw
bewpu m beer am N dip Arm rd In tk kd r motes we drw or pnelew
ayprd. Yn owfelepkern w hd dobep w tip s pewrm yar ddklt Ile you FIN[
per m de ftlewbq kdrewlis
• Yew raw we now awed
•71S door Irwld dkllwPmM mr
•tlsMMIiitepMrrthSeewdotYkN MswWpeboomkM'smWritynwd
Mom . Work kA yob in ass dmeL
Youdordlentopielay r.kq?pr abkn M k7s2 p, bol you re Val
abrgred In py bt who d tmr Will duo m ni b awdm. WW ns lewd4 rM
eetrbn. we Come rwprt phr s O*wW or toe Ohs is male Ire want you
Wi*ft a you bm Isma1M rS to yoked Vaple yrara and M hosms Mll, Ire Yale both Whimm, R dadlk PWMK:,Nhm erey me, p YpbwprdeaSr?irrb+dSrbsataMOtro.a
knew ehma M the nlrrnrlt cord mule oo d bad thew b mm dye below de
adnwde pynrd swdtlM b MIL
Spud able r town rod Pray a You bM i pSahe Wb tk alehydrPade a
rnnl old Yet Pwkwd NO I MM we ?MMtawd P dorm Inks Wk a dodo.
lewd pu km Mod inlpodbdha/mr. ft PlBbkil~ deeaadrd, rlyskw
in pythw mrmtrkq mead on ntk pdM r 9011me. Yr kw tm Pds m ody
or wild oMd0,d/ tOD was d y rhilm, or o,-o nSMrfte allwi stem TaadMM iMplmhm od6ror ommib de M lply kyrA we a or we
s or
pras or
spare to rewrtlrt, or N w resod ter tlw adwwbrnrt for Per pmparty r VY:w.
Oct 29 2007
MAN:dN
bbao=AYM TsAMrd
tad w SM a We: Pbm Conniver War sn rived nwddy brow ds
4MMOr imbe rarer bwd ones bad d)rr OdmW. AMm M drys
wdYb bash Vas Ynen inch wAddwr by prwwbe D Iriryau webr yaraaewt
erbr.
Page 10 of 63 Oct 29 2007
Statement for &=unt number: 4266 8410 5541 0297 /?
!Ow Balance Payment Due Dab Pant Due Amount Minimum Pay..m CHASE O
S4,WSAS =21M7 $WZW $1.W4.45
Amount Enclosed =your Wtsck to Chas Card Services.
S nMw acorns a a-ineYa Print on be*.
426684103541029700128445004055450000001
13471 MZ 12107D
ANDREW J KREIDERIII
3 PHEASANT CT
MECHANICSBURG PA 1711554387
161.111. I„ 11IlaIr.la11 L. ILL.. III ILL.. 111. 1. 1. is lime IIIII
111 11111111111111111 1111. 1.11111191111111111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5163
1: 5000 1160 281: 20 3 10 3 54 10 29 7 111'
Opa wlg/ClwhgDab: 04102/07-05 01!07 CUSTOMERSERVICE
Due CHASE O a '
n
,a. S E
epahd ;-ee ?
TDD 1-500-955-8060
Pay by phone 1-600436-7966
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 6410 85410297 1.302.604-8200
Previous Balance 53,879.37 ToW Credit Late 600
$3 ACC OUPNTINGUIRIEII
Purchases, Cash, Debits +576.00 Available Credit ,
SO P.O. Bad
Ism
Fnanos Chargea +508.06
Cash Moses, Lan
5700 %
DE DE 1986115296
•
.M6 6
New Balance -3r-
Available for Cash
SO
PAYMENT AWREBS
P.O. Bon 15153
W introm. DE 19666.6153
VISITUS AT:
water chase own/credilcards
The charge prNlegee on your credit card amount have bean revoked. You no longer have the
abft to lrae your credit card woount for purotase s. We can help you got back on track. Cal
1-800.9558030 (ooled 1-902.594-82M today.
TRANSACTIONS
Trans Amount
Date Reference Number MeichsM Name or 7raneaation Description Credit Debk
D4l22 LATE FEE pp
04/02 OVERUMIT FEE 39.00
FINANCE CHARGES
Finance Charge
Daly Periodic Rae Conasp. Average DWV Balance Due To Transec11 Accumulated F6NANCE
Category 3D days in cycle APR Periodic Rate Fee Fln Charge CHARGES
Purohu V.08217% 29.91 $3,978.46 $98.06 $0.00 SO OD 598.08
Cash advances V .06217% 29.9VA $0.00 50.00 $0.00 S0.00 $0.00
Total tklanoe charges $9&08
Effective Annual Perowdoge Rafe (APR): 26.0996
Pima an Infor alon About Your Aoooi nt section for balance oornprAation method, grace period, and otm imported inbmatlon
The Corresponding APR is the rate of inla set you pay when you carry a balance on any transaction category.
The Ellectlva APR Mprsserol your told fhance charges - hoksding transaction fase
such as cash advance and balance trarnfer lose - expressed as a percentage.
't'his Statement is a Facsimile - Not an original
X 0000001 F1833=D10 000 N 2 01 07,D"l PAP 1.11 061013 MAMA 13471 12110000/000D1347101
Page 11 of 63
Address Change Request
Please provide udormation bebw only IF to address htforn oWn on front is inmrrwL
Street Address: - --------------------
CRY;
State:
Zip: ----- -
Borne Phons: --- -- ----
Wak Phww:
E-mail Address:
L
W rm bm Abed Your Account dill lay all posted to your account, or IN fast day of its bilirlp eyda This
Lest w hello Corte Pima report your ace or some nerd Immadaky by "a that duo dolly balance A credit home Is trained ss a home of
ding the Container S"co ember found on the front of your atetrnrt. yam. N e miry pedodb rsu Wild; to any bolus, we multiply tint dairy
j AdekOrs an aMys re. iW* to mill you. You om reach an Adviser by habnce by tla dolly periodic rite to got your periodic fuser charges for
proms D alWyou anter your account minter. that day. We them add theme periodic brace drops to your daily balance
c Credibly mi Payments: For payments by regular US. rod, cared at least
ti
pyart des 10 our
box
Your
MWMUM
d
e m99 kebeprrdrgbNencefutneed day. Plmosefonnondalyperiodic
ao Could apply based an to tannage 0 balance. in M m ft dolly
n
car
s
by
with th
howu iotiara thin ski IMMIK m Vow by
must comply
t instructions ns on thin hmenl and most be made by chock or mrt' order Perkde rib VM BPPla for the mange d, baMtN motet M the and
l
periodic finance
ft AM cycle to calculate the da chats each day.)
peyablo in U.S. Doke. and drawm a or peyabla trough a U.S. financial To gat Yar MW periodc bees dump ter a eyrie when a daily
iraltlulon at ft U.S. branch of a he= inaw'I imdhiian. Do not mad perbdc rue(s) Oldies, we add all f the `ly prtodn Nrcura cbKM foal
tuft Writ your account member on your dick or mouryy order. Payments
j most be aaominvi d by ft payment season in fa enusep t pmed" wif hoWIL To determine an maps ddy balanw we odd your dolt' tabus
and Bride by the number of ft days in the appiabb hilts cycle(s)
N you
G our ddra s risible through tin rwdope winder fat onvallpe coot .
multiply be swap duly balance for each ham by the applicable daily
if melon room fm an paynrm or coupon, and there can be no Mutant, Periodic tab, and Men MA* etch f faro meth by flammable of days
PIM cps. We of onrrepondame Included nth your payment. N Your in fir applicable bOng cycle(s). and dun add d of ft rssdb ID#WW the
payment Is in acsardence with our payment Instructions and is made tend wA mho aqua ft Pedods finance tinges for to tits cycle, WOW
NOW# to us an my de, amayt Dumber 25 by 1'90 p.m. bml tune nt for wwvxkdm des to To pt your tow periodic bum cage
ourpurl uNfahaacdNiprsh[adtorpaymeracondais Senate enLrawicredt We. 9 a out' D+
Wash+hPON muisythe
Ink
she Payment b ycoxm cent m d tot day. N your payment k In onc nWon, map dally bolomm for ash fNbre by fa aPP9abte mouthy priomc rek
with our PWmmi imtftctk . but k made avaibWe o w afbr 1.99 pm. and add to -b tog" The Intel wi egad the periodic Mena doges
local lime at or post offs box daigrmkd far payments on I* smnwn, far tla dbg cycle, accept for mbar varkfbs den In refunding.
se was credit 1 to your amount as of 1e. fund day. N you do not fdbw out Soma hdsd (d bad 21 dap):
Payment instructions or if your payment is not sold by ragdar U.8and b
our post Anb cdesignated for pephNh,aepingdyewpayonrtmay
- yes eau periodic fni ce Marge on a nonmetal in. or Muhl charge
born ft dMb It Is added to you dairy Gkned o n$ payment in full is
be delayed for up to 5 days. Payments made dmom-
sea fuouph slam
aubmfed tol phtaa service. Cuetansr Service advises. or our web mite received on your Stroud. louaver, ter do not corps pododic force
Morgan on now prurdoton bald during a hitting qda N ON males both
Zell be subject to ry proou*g time disclosed for film on pamme& paymtent of yam New Balance an your WWI otabmad by tla data met
Account Infatuation Reported to Credo hnsac We may report time ymr Wanted Is des and elm payment Of year Now 90001 on your
information about your account to endh bureaus. tab pym0tc. mound Knauss Materant by the dab and time your paymat alms cut Them is no
paymotts or otter dollau ts oh your amount may be reflected in your credit groce period for Daiwa bsndaa, ash ad arm dock humuciam , or
rporL If you uhk we ton reported k=mate information to a credit marddtactemas.
buaau, you may write to to at the Caltmentem Service addres listed on
you btltirp shtan0t Is eddliaa. H these is a •9aaifytog Prwhitieoni Fksaekg• aadieo on
No pabmouL you will not hoe pdodic 1n0N changed on any
NOUN Abed L%ch* Gunk Cwfwmion: When you provide a c had a Remakdtg Bills= to appears in that auction f yen pry tiff balance in fat
payment. youauthadsusdiffer tomIsontWbnfrom your chock to make by the applkahla Ehphadon Data To svald Mateo charges an new
s 01111-time dwbm-it had treader from your &=Lee or to process to
payment on a dodo transaction. When we use Into make tam your Mrdk purchases when your Now Balance includes aft' Ramie' Babn6) in
the Doafllydng Pramatiord Fkundmg SUL Dry yovfat New Zoom
to mdse on dectteado fund berrhr, furls may be ritdmwk hrn your mime to told of IhoN Remdnhg BOeta(t) by tlr dab and time your
acahit a nom as the rooms dry caw rNfw parr payment, and you will not
recent year clack tack Irma
our drmrW hotltulfon
(W ft
t poynsnd h don. Ilotrewr. N yam steanant saw curia mMmun pyraant
i
d
y
.
cus
omer s
o. we mat atria all Infinitival rnhtmrn paymerd by tlr date and time
$We$ amber an this sWmwt N you haw questions about do tro a amended an your ctatafmold aN H your New Balance consists only of
cock collection or do not art your paymaO colleted - - micuay. Do" promotional FInOCUtp t anm.
Cssdiiaonl Payfnetk Any payment chock or otter farm of payment fist
you send ss for less drat fa tail bshim dw ft is marked W to M• or Aka, for soma Qualifying Prontotasl Fencing bakncha parbdc moms
char
es Baru dudn
the
romotlnnmi
d I
d
contains a similar notation, or that you otlonoin tender In fat Ntkbtiion g
g
p
M are met a
per
ded to yaw
aumed balsa. Instead. Thy ace medide from Nlkg cycle o biing cyW,
of S disputed amount, mu! be Nnt to Card Services. P.O. San 15049 This Is rmiarred bon •detrred Interim ` N o defrred interest Qua"
Wiknirgbn, DE 19850.5949. Y1o reserve dl our dgghhkb mgw*M faN Promotional Rousing been is not paid in full by fa applicable Eupusgm
payment; (4.g.. if ft k debm'MW than Is no valid dlapato or N any such Dm, fa dithered lrmm carpe all be added b youraonaston eon N
Muck is ataived a any oft address, ter may accept the dark end you fa first day afar to ElpiWw D&U. Furt ere B you bank under the terms
sill 011 two et' rerraini g homes). We may mhm@ In a Pt try each of yew Condonation Agreement the tMemd finance charges wen be added
Payment by morning 110 yon. not nothing ft or daunting R Al oThe to you accu t as won ss the dab of default.
Paymens told yournfts could be sent to Me appropriate layman address. IILLIN9 ROM IgINUSW
AaeNI PA"" Ndka: If your accent his in annual in. it was be billed
each year or inran" iroWbnenta.whethrorrotyoumyonaccount Is Cnee et' bars or fig Abed Yew OR N Mull r bill is
you you
,
and you aim to pry k values biled. The ermul fed is rrn-rmimW" wim
0p ore youreed were Intaraarion above atraoseelan myoer bit, write
°"
4ranernbet Service rot a $Mnt'sheet at P.D. Box 15299 Wtlmigbn
DE
see you mil trail y our imbed ahioh the u f W you wish die your in maim Is dwithin rrptl es 39 an and ds it of fifrsama deb
e ,
1 /g5"M an Soon on Possiblo. We mom hoer from you no later fan So
days after we sent you the first bill on which the error or problem appeared
tuna, pa
you u pryyaw oubtrmditg balance in fig. Your paymrtl of fa nand
act
affect
doss your account to Imi
ri
ht to .
You Con toloAlma N. but doing so willnetpraarvo you dye.
M
Udon
g
byyou
make or am
mem Is k closed
on Yom amount
It
m In yaw ammor. give as ft tdbwing hMmtwim.
we Vol amines to charge the
m
al in u
you w1 your omsstertdrg • Your name and amount number
balance In ful and terminate
your mammal rektlensh • The dollar amount of fa suspected error
[3danafieh of Rum Chomps: nth dcdeb periodic iruw caress, • DNCmbe th, gem and apkin. ifyou ten, wAyyoo be im there is on error.
"IN 2% Applicable periods rams 0awn on ft statement sepoataly for
' N you mud more Information describe tM Itam you are mare allow
each feature tlnda ck 0, balance cetraater/converiena chats
rhd cosh $*am
('du '). purchase. balm imrstsrs, cash adwmm You do not have to pay ry amount In gtmWm white we an investigating.
but you am sill obligated b pay the pars of your bill that ere not in
promotional bkmcm or owrdah advoeon). Thu dcakder may
wmbina tliram categories Will Me ssma dairy periodic rew fl tare is a quelon. While we IrwonOph your question. we aNOt report you as
dehquent or tie action to colloct fa areomt you question
If you have
Treat to a pdodfo rate onftte swament form my wy, and ft
idN and magM used o debrmho Mat ate and its corm - ng APR are .
aulhorhad us to pay yaw credit and bill Automatically, from your savings or
checking amount. you can atop The payment an ay amount you think is
described In your charge n Agreement. as amended Mum is a
minim ten finance charrge in In any y billing cycle in which you on any periodic wrens To MOP the payment. your lifer or al (using the Cmnbmmbw
Service addrau or telephone number shown on ft sutwrarq must rash
fir ence dories, and a transaction mere charge far much balance Ranier
ask advance, or check IRlNCtion, in the amounts sated in you us at Ines, three business days before tr mAmnatic psym an, is scheduled
Cardin amber Agreenent N amended. to occur.
To gal the duty balance for each day of the currant biting gods, we take fa
beWmhf balance for much felon rid aty new bu coom er fur dehfs Ipaolel Ruk her DON We P§Mhaeee If you how a problem with the
gksyy of gods or services ttnyou p urdaued tdh s chit and (occluding
pu,cp, made with a suck}. and you has tried in good sigh to comet
(including font. unpaid flronhn otrrpnt and other sharps}. sabtaf any the Pmhlem with The merdard. you my not lava to pay do nonsufft
t
payments or audits and rooks ot
er adjusbrardo. Troneations are added amount des on tee goods or aervbou. You have this protection a* when
as of the transaction dab, the beginning of the billing cycle in which fay are
t
posted to your account or a later date of mm choice (except dirt check h he purchase price was more than SW and the purchase was mode in your
one slab or within 100 miles of your msiting address
Thee lknitatlona
.
transactions am added as of The date dapostd by The payee or s later data do not apply if we own or operate the mercdare. or if we mailed you the
of our choice)
FNS ammided either on the me ofa ralaedtratsacdon
fo
.
,
advertisement for tlr property or services.
Oct 29 2007
MA7112ID?
Page 8 of 63 Oct 29 2007
Statement for account ntanber: 4256 8410 3541 0297 /?
New Balance Payment Due Date Past Due Amamf 6lntmurn Payment CHASE O
$4,066.45 08/21/0'7 $729.00 $1,385.46
VAw w adder or a-mil? Print on eadcCerd Senkes
Artounl Enclosed IS I No
426684103541029700136545004055450000001
04029Ma lewro I...III.I.ALIIII/elm111.8.1.1..-111/1111..11..1.11..11.811..1
WRY `,EIIDERIII
MECHANICSBIARG PA 1705& 4337 CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-6153
181.11In.llIII. .IIIIIIsI..I..I..IIII11111.111[1..18IILIIIIII
1: 5000 i60 281: 20 3 310 3 5 4 i0 29 7 ilI'
Dale:
OMER SERV
S7
'
9
CHAS E O Due fl : S
4WD-
2107 in U
16-2000
S
Eepaftd 148884484"08
TDD 1-aW455-am
Pay by phone 1-800.4387969
Outade U.S. cal poled
VISA ACCOUNT SUMMARY Aeeount Number. 42Btt 841o 35N 02Y7 1-3D2a94-8400
Previous Balance 54.055.45 Total Credit Ur e
NDUIRIES
$3600 AC P.O. . Boa Box 15
298
Available Cnldt
New Balrroe ,
055.45 S0 n. DE 19960.6299
WBnkrgton DE
Cash Ad w Us S70D
Available for Ceah 60 PAYMENT ADDRES
P.O. Bea 15153
Wilmington, DE 198W6153
VISIT US AT:
dkw&
You havent made tia required payments and your creS nand acownt Is 90 days past due. As
a remA your credit bureau may be updated wlh a nregative rating. Please esnd ymw paymxd
Immediately or cal us at 1-100.955-8030 (cdlect 1-3D2-594.9200) today.
FINANCE CHARGES
Faance Charge
DeMy Parodic Rate Correep. Average Daly Due To Transaction AxwnWated FINANCE
Category 91 days in cycle APR Balance Fbriddic Rale Fee Fin Charge CHARGES
Purchases 00DDO% 0.0^ $4,055.45 $0.00 5100 $0.00 $0.00
Cash advanoes .00000'/6 0.W114 S0.0D $0.00 $0.00 $0.00 $0.00
Tolel prance ohargea $0.00
Effic9ve Ammid Percentage Rob (APR): 0.00%
Please we dnfamalon AbaR Your Account aeclon for balance comprestbn maftel, grace period, and other Impodanl nbmletion.
The Correoporldirg APR is to tale of I tered you pay when you carry a balenos on any trans tion category.
The EMeccdn APR represents your total Ii anoe charges - krdudkg transaction fan
such as cash advrm and balance trarwbr fees - expressed u a perow"p.
This Statement is a Facsimile - Not an original
X 0000001 F1W=6 D 6 ride Y e 01 07:9&01 Paps 1 or 1 066ee MAMA 04026 16210000DSWO04a2BD1
Page 9 of 63
Address Change Ruquest
Pines provide information below only R In address information on frond is incorrect.
Street Addreea: - ------------
cty: - ---------
State: --
Zip: ----- -
blot is Phone: --- --- ----
work. Phone: --- --- ----
E-mall Address: - --------------
-1
L
Wernotios Abed Year Aerzeel
Lad w peso Carle Pima report your lost articles card immediately
calling the Customer Service nurebw farad on the front of your abtem
Addeore aRi always AWW* to mit you. You an reach an ANwr
prating D aferyou ardor yaw sawn number.
Cmdkihq of Patient For payments by regular U.S. mug, sad at I
Yo mbdmun oeymed dens err poet office boor deeipubd for peyman
shown on thin SMMIK Your PWM* Y by and must comply with fle
instructions on this sM mml. and most be made by died or morry
order
payable in U.S. Dollars, and dream an or payable through a U.S.
E Institution or the U.S. branch of a forage financial irtstbtinn. Do rot a
ash Whiter your read number on your chock of manawyy, order. Payment
mast bus aeeemp, led by IN payment aupo t In to avdope provided our address visible through M rowafope endow, the erwafops velth
a"
cmnMh more than we polmord or compOn; and then can be no stWas
papa elm taps or arrapondenae Included w111 your prymant. H
Me"
payment is in accordehee, MN our payment instructions 00 is available to us on any day mo ept December 25 by 1 W p.m. label time
our postolfiabondaaill for on tln6swmm,wptrig
B19 psym au er yoraccountr d that dry. Uyourpsymenn s n
with our payments buttuctim but is made aailable to us after 1:0D pm
local fine at err port oil= box designated for payments an this sasm
K
ON ell trod[ b to yaw Roman as of the Fact hay. If you do not fellow
payment instruction; or if your poymmt is net tort by milder US. mat to
our post office bat designated firpsymwe,aadlingofyour paymaN
may
be delayed for up to 5 dye. Payments made de*mkafy through our
automated mophaa service. tDtttomor Service adNaon. or our ttrD
site
trill be subject to any ptoomig Imes ditched for those payment.
Aceart stamdles NapodN to CrWR Baream We may report
information about your account to credit berms. Lab paymerns, ed
payments or after dalaulb on your account may be rallecbd in you
rp gran period for baWae benders, cash advance, dredt trarweciam or
orL H you think we tows reported kteeetmla infomatn to a credit
you may wits to is at ft Cadmsmber Sertria address listed an
your biting sbtmnt
Notice Abed Bwh* Check Conversion: When you provide a deck as
payment. you autharb a older In to Information from your deck to make
a One-time decaatic fad transfer from your aavul: or to proem to
payment is a check frasscfon. Win we use ihbrnalem tram yaw dads
to into an dectm* it" aaaht kinds may be anridnwm from your
oecout as am as the me ray vs mmM yaw payment, and you rail not
receive yew dud bad Iran your komW Institution. Oil lice aatomw
service manlier an his I h we B you kin assiaa about dacrronio
deck collection or do not Fart year pyments cdlatled dadrouaaly.
Coodigad Paymab: Any ayments check or other form of payment gat
you send us for Ins than the full Mikes due that Is marked W N W or
conk ins a similar noMn, or drat you odes antler in hill satibdm
of a disputed sment most be exert to Card Services, P.O. Box 15019.
lYmnkhgln. DE 1111150-040. We reserve lag ea dither Roper" tins
paynarts (a q.. If I It determined two is no %%W dispute or 1 shy such
check is rieehed at ray, other address, ice may accost the curd and you
will $al awe any Fanalnkg lidahcw). We may nine to accept any such
pays met by returning I to you. not cashing it or dnvgkg I[ M other
payments text you make should be am to the appropriate payment address.
Aaeal Rased Netlee: If year amount has on annual fa, It rill be billed
each year or imm?tlnyirWaI nto,whrtwernotyoumyourmout,
and you agree to ply H whn blind. The ¦mal it is ran•refuhdsbs arm
you nobly is fat you wish to tae your account within 30 days of the data
wl mail your sbtemwn an which ON on eved tea Is darted and at the arms
time, you ply your rgtW" balance in frt. Your payment of the moat
ice done rat affect our it" to does your scatlm[ and to Hmh your Fight to
make lrnrcdaw on your account H your musu e Is dosed by you or OR
we will Fen6mut to charge the annual ere until you pay vast outstanding
balance In full and terminale your acaut rlalaship.
&Ph mto d Rasa Charger. We calculate pertedic Rance charges,
using fur applicable periodic idea shows an this stetemant. aeperatey, for
each feature (erg, balance aawb*wwm*m clods and craft adorn
checks rehrk bansrtn'j. purchases. balenreetransfers, cash sMmea
prmoiaW batnea or overdraft sdvaaa). That ndcustoer may
combine different Ramparts; saga the same duly periodic new. I then is a
Ir mud to a pathetic rile on this statement ten[ ram may vary, and the
in dat aril margin used to detamne gat rata end its corresponding APR an
described In your Cendmmba Agreement. as smnded Then Is a
minimum finance charge in arw, biting cycle in which you owe any periodic
firwna charges, and a transaction firance charge for each balance tra sfor.
cash advance, or check transaction, in the amounts; stated in your
Cardmember Agreennent as mended.
To let the duly bdance fur each day of ter current biting eyds, we tab ft
beginning balance for each fentre add any new raencgae or other debits
(including fees. unpaid finomce charges aid cow charpa). subtract any
paymenm or cir" end malte offer adiaMwne. Tra enclons are added
as of the transition ditto, the bpiuYng of the bNYg cycle in tNddh they are
posted to your aftpuret or a liter date of err theta (acW to Chu*
transactions are added is of The dam deposited by the pays or a low date
of our choice). Fees am added ether an the date of a related transaction, the
data VW are posted to your acomed, or to fed: day of the biing h yule. This
by give a ghat NO duly balance. A credit Mlance Is treated as a balms of
tem. R e duly periodic rate son to any f OLK we MA* the defy
y1y balance by ft defy periodic rate to gen your periodic Ionce charges for
that day. We it= add them periodic One charges; to you dirty balance
rest to 99 the beginning balance fa the rand day. (It moo tan ore daily periodic
fib could apply baud an the suffrage dolt' balance. use vl? on tit dally
le paste cede they apples br do average duly bafenhce amount d theend et
the big eyde to uh" the ddy periodic fiaaae di mge ads day.)
tnrhcral To pre Yom add periodic Inter" charge IN a bUrq qde via a dally
??c r T ala(s)app Meaty add all of the dayr larbdle irotea cargo ford
and divide by f number omp doily bottom via add of #in days in the applicable b'Mrg q deyfcpyyme
mu111* N average dally Wince for each from by ma appikdi dusty
periodic your
In the Wpl? bpMan mm* INA of time rW ). and gran add d d Nye r the mindw days
pother, the
for a tlaha roriodie lierrae deMa br is biing cy* rapt
do mundi. To aa6 for a big cycle when a - giy purbdcciis lortal chirp
*) WppMc , md?ly the
pceprip average i e fa ad Bloom q fM W ohoot a matlely ppfodic m
am go 111,11 Mub topft The IoW will "M the periodic flnmot ch rgr
be tie killing Wk except for minor verladalS due to reading.
ou Brace Paded (d lad 29 days]:
Ws ooaus pedodie Rum charges one transaction. fee. or little elo rg ,
from gr dda it Is added to your dirty balsa wd peynwn in full Is
received an your ocout. However, the do ray carpe periodic finance
cherps on craw pantries billed during a biing cycle t vex combs kWh
payment at yew Now Balm an your current sown[ by the dab and
time your ferymert is du and also ptyuwt of your New Bertha an year
sad emotions stabmerd by gts doh and time yourpsymart was do Than is no
put
adil Wwdmft advances.
It addNm. Nghoe is a •Oa EMn Prow"nal Rumin' sm6 a an
Rule derwd, you vd1 Rol nnr periodic Irwhce charges on ary
Rimming l diena ghat Wpeam in to esdan R you ay gat bdou in full
by Ite @WbMa Etplratn theta To avold fiance charges; as new
purchase; views yew New Satan includes any Remaining ilalaas(s) in
riff OunWPI Promollord Fbbnalrg seelon, py your fail Now Balance
mina ter IDW of those Remaining Balance(s) by the date and tone yaw
wimW to Are. Ilmrevtr. Hyourswomat dwa fta mWmm pymad
Is den. we mud recalW at hat that minimum psymm by be debt and tine
specified O an P your wlame even your Nw Balms consits any of
Also, for some Doily" Procnolousl Fnmcing balances, periodic twice
charges awn during Rw pmmdWW period but am riot added to year
account tales. Instead, f M Remains from biing cycle to bi ft cycle.
This Is Womed to ne 'dawned Murry' N a do" Internet OudWq
promotional Financing balance is not pad in Id by the applicable Epiatonh
Dab. the ddared firs charges vdl be added in your mount as soon a
Ira *9 dyafter M 6dpbgon Doh. Falhw, Ryou bfWi under ft forms
of your CaAnonber Agree me % the deferssd Amos drargr will be added
to your aaaprn n awn as the dab of default
owmc RKNTS KwLm Y
Is Cat d Emers or Otled m Abbey Ys or OR If you ft* your hill to
wrong. org you need mare information about a transaction on you bra, tror
DarAhwnber Service on a sperste shat at P.O. Box 15299 Warrington, DE
1(11150-5299 r soon as pouble. Wh must hor from YOU no War tenh 60
days their we sort you the list bill on which the error or problem appaened.
You an Wph ns a, but doing so all not prneerre your Agile.
In your Inver, five a the ictfovreg brlormtetion.
• Your sine red amxant amber
• The dctW amount of f suspected error
• Describe to arormd within. Hyen lean, why, you believe tire is an error.
N you aced more nformatlea describe be tent you are atsnrs red.
You do rat have to pay any amount In pastin *"It we are Investigating.
but you err edit obligated le pay the parts at your M that sin nog in
puseln. YW01e we kurtipob yew Ouatn. we coast Ripon you r
datnquenn or aka action to slat Me mount you t vision. If you have
authorized us to pyyour craft card bill sutomataty from your savings or
dhodkihp aoeart you an slop the pwmad an any mount you think is
wrong o stop the payment. your later or tat (using the Cardmmber
Servta addrm or telephone number storm an f amtmate) must reach
us d Intel three business drys bolero In automatic payment is sdaduled
to aeeer.
Special Rate for Cm*t Card Pamhaet If you hems a problem wth the
[pally pf goodo orserelca that you purchased Mm a credit card (nedudn0
Wmhem made with a &=it). and you have tried in good fain to correct
the problem with the marque, you me/ at have to pay the remaining
amount der on the goods or servkea. You have tits protection only, whom
the purchase price wen more than S50 and the purchase was made in your
home erab or vithin 100 miss of your mailn0 address. Those tonitahea
do not apply it we own or opera s the merchant. or If as mailed you the
advargsanraet nor the property or somas.
MA0212D7
Od 29 2007
Page 6 of 63 Oct 29 2007
Statement for account number. 4266 8410 9541 0287 /?
Hew Balance Payment Due Dab Past Due An1aa11 W is Ism Paymert CHASE O
S4,056.45 07/21W $810.w $1,446.46
Amount Erlctosed Make Y Meek p?yep*to Chas Card Services.
5 Ww adores u e-ineY7 PMt an book.
426694103541029700144645004055450000001
moor Sake leeoyD III sills 11o11r111111111111tills 1111111/111111x1111111118.11911
A CTDERIII
WET
MECHANICSBURG PA 17056.4337 CARDMBABER SERVICE
PO BOX 16151
WILMINGTON DE 19886.6168
I11 .11111111113101111gill. 11111oil 11Noll III III lingo Igill 1illI
1:5000160281: 20310354102971n,
?
C
USTOMER
°B°D2fb'
?
CHASE O P
80o
S0 7 07
1
-
bue. -11
46-We
EspaW
TOD 1400456.8060
Pay by phone 14800436-7969
Outside U.S. =I called
1-3D2-694412W
VISA ACCOUNT SUMMARY Account Number. 4266 6419 1641 007
ACCOUNT Wt]Uri11E$
Previous Baltroce $4,055.45 Totel Credit Lin $3.5w
P.O. Bar 15298
New Balance ,055.45 Available Crack SO Willorlirogton. DE 19860.6296
Cash Aoosm Urn S700
Available for Cash SD PAYMENT ADDRESS
P.O. Bas 16158
If f ningM, OE 198856153
VIBIi US AT:
Ira not too late to resolve the ouWandng balenoe on your oredt card sooount We have a
variety of payment optlona that may be right for you. Cal 1-865792.7547 (collect
1-302-594.8200) today.
FINANCE CHARGES
Fiance Charge
Daily Periodic Rate Corresp. Average Daily Due To Tranmotbn Aaxenulated FINANCE
Category 3D days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES
Purchases .0OW% 0.00% $4.055.45 $0.00 $0.00 $0.00 $0.00
Cash advances .00000% 0.00°,6 S0.00 $O.00 $0.00 SOHO $0.00
Total kwrw)o charges
$0.00
Effective Annual Pon= tags Rats (APR): 0.00%
Plasm ace Informaron About Your Account aecton for balance oomputadon noll grace parbd, and other Imporlant inlorrreton.
The Cortesporsdiing APR Is to rate of interest you pay when you carry a balance on any haneacdon catepory.
The Elective APR repnowle your MW 9rrahlCe charges - Irscluding transaction We
such as rash advance and baterlCe baneler false - expressed as a Percentage.
This Statement is a Facsimile - Not an original
x 00000m F6 DID 000 Y 9 01 07,471m PA94 t a 1 01501111 MAMA 01001 16210000100000100101
Page 7 cif 63
Address Change Request
Please provide w t natim below ordy I to address inforraaim on fro rd is inoc ereol.
Street Address: --------------------
City:
Slate:
Zip:
Worse Prime:
Work Phone: --- -- -
-^-E-mall Address:
L
W mu"m Mod Year itoaeal
lost or Makes Cerde Plow mportvour lost or stolen card immediately by
calimg to Customer Service nahtw loud on to hit of your eMlemad.
Advisors an Always aveliable to mkt you. You cart reach in r by
prowng 0 Ave you onto your socmad number.
C+ Gies d P*mwk For pwninu by regular US. md. seed n least
yaw minknun payment do to our poet OMa bone diagnosed lot Wymona
shown an ft sta simom, Your paymmrla by mail meat com iy with is
instructors on this statement. and must be made by duck or money order
pay" In U.S. DoMn, and drawn on or pry" trough a U.S. financial
iroMvkn or the US. breach of a torahs Inarmlal Institution. Do not send
coati. Veils your mount maabw an your chalk or in stay order. Payments
met be aommpwW ty to payment aouponin to envelops provided wlh
our address viable through Is, envoli p r widow, the onvalope cannot
contain more than one payment or coo uni and then ran he no saptm,
taper dips, tape or earrespoodlem Included with your payment. If your
payment b in accordance won oar payment Instructions and is made
aallahfe to us on any day aeapi December 25 by IN p.m. local On at
our post office ban deagrraed for payment; on Offs statement. we Will Creil
lea l yrad avow setoum n of to day. tyorr paynhant la b aaorda¢e
with our pymsl instructions, but is made available to us attar 1:01) pm.
local ire at carpostoRaboadrigrskedfurpayments antfds"W ont
we will eredlt h to yaw account as of tarred dey t you do not fallow out
payment insUhaicns or if year payment is not sad by regular U.S. mail to
oar post oft o bark designated for pymahhb, emiltng dyeur paystal moy,
be delayed for up Is I dive. I'mimena made dsdrmk* lhmhgh our
aulsmaesd talgm ew sevkx Counter Service advisers. or our web alts
still be subject to cry proommi g tmm disclosed br those payments
Amend bium tln Reported In, trall hmsec We may report
information show your aeWat to credit bermus. Lae Wymnts. micsad
payments or offer dmauha on your aware may be retuad in you crest
reporL If you think we have reported kanona Information to a credit
bureau, you may miles to s at to Cardmembe Series ddn m istal an
your billing sletamont.
Nothe Abed Eleehoak Chsst Cseawsi c Vthn you provide a clack is
payment you authwh us either to man lolomuton Iran your dude to maim
a wo-dims a wMt fund trader ben your account or to process to
payment es a clad( transaction. When we use Information tram your daex
to mule an sedroae land tmshr. beds not, be mfthdmmi from yar
so mast as coon as Tba smne dy we redva your payment. and you nil not
mean your check back from your financial Institution. dl M dffimew
"MCI number on us &Ubmet I you beef Questions slots de tank
deck collection or do not aart your paymwb official eadnalcay.
Ccadonai Pywanes: Any payment cNdk OF tdhw less of payment to
you said us for Into clan the full balarta do that Is marked 'pafd b 1W' car
canlre a simper rsein, or tad you otherwise border in full submission
of a disputed amount, must be sere to Cam SeMam, PA. BMk 15049.
Wiknintim. DE 19858-WO. We rotor" all car 0q"hfi mpr*q taus
payments (s,9.. It It Is determined there ism valid dispels or N ary such
duck is realad at any other addmm; is may accept psi cock and you
will still sans any mormininp homes). We may refuse to accept any such
payment by rawmng it b you. not fishing it or OaaVOyklp R All Our
paymen fit you make stoutd be act to as swatifi a Minot address.
Asseal Retard Nothic If yaw soocat his an annual fee, It will be bled
each year or in nromddy inslalmarts. wketat w not you we vow seemed,
and you ate to pay it Wren bided. TM annual yea it nemrefu Baba union
you noty in fat you wish to close your account athih 30 days of the data
two mail Vow ON mad an which am arnmil his It charged and at the sane
Iimo. you pay your mMmdirg be*= in full. Your psymam of as annual
In does not effect our rights to dou your accost and to Nall your right to
coda Dissident on yow sxamt It your soment is lord by you or a.
we wAff continue to charge, the anneal In Imtl you pay your outstanding
balance In full said terminate your account relationship.
Espkesaea set Fin of tho w: vile ak*w periodic Wrote c arpme,
uSlIQ the applicable perledlc wild shown an this saturant sop m* for
each fWure (ag, b&lw= tr mbiiarwetiance chats and cmth rdance
chats retaek f nsWoni. purchases, bum tnralea, cash advances.
promotional balsas or emmalt adv rcul. TNms dilations mry
combine different categories vA* to use day perbdc rah It tpsa Is a
V- red to a paledle rat an this statement rice roe may vary. and fa
index and margin used to determine No ram and is corrupwhing APR an
described in your tardmambur Agreement, as smandad. Thee Is a
Minkmwn fiats charge in any biting Cycle in V*it h you many periodic
9snce charges, and a I rnsactin Inane elarge for each balance transfer
cash advance, or chick transaction, in be mounts stated in you
Cardmember Agreement as amended.
To pet tit bait' holmes for each day of the cured biding cycle, we cab the
beginning balance for each feature add any new Demotions or afher dehNs
(including fees unpaid finance stories and odtw charges). su6uac any
roy nant or credits. Na. the he other adjustments, Tiahacdons are added
as of ft transaction filling p cycle In which they are
posted to your account or a later date of us "to (except Oat loth
transactions are added as of the data deposited by to psyu or a late date
of our choice). Fine are added sitar on the date of & rdaled mirmacton, the
dew dry an posted toyrmraccont or lire cast day of the bung cycle. This,
on us ft drys de y balance A credit belsxe Is tmad n A bdam of
tam. a e daft' pedo t rate M018 to any bum. we mwdpy to dally
balanse by the dedy Isdoan ere to go your imamate dance charges br
that day. We tan add them periodic Inence carps to you it* balance
to pet the bapminp balrwia fu ft rod day. pf more der ore daily period i;
rate could apply bard on she sm ags aly balm. na will use to day
Wade rate drat appiea for the storage Oily bum amoum at the end of
to billing cycle to c doA de to Oily periodic Rnonea large etch dry.)
To pal your ON porleft Inanca charge lot a bl?' gds tics a day
parade tote(s) WW ate aced s,1 d iha dayprbee trrnca duryr torsi
feaBra To dehrmlw an peace daily bum we add your daily baances
and Guide by Who no" d to "a In to applic" Mj Cade( ay. t you
mW* to average day balance fm each fen by the applicable day
In the sspprib. and a= mW* much of thess metals loble lift syda(a), and than add d of d e s results togethtt rdre
that ail also OW rice petio6s manes crags for to ON stek except
fwmaorvwWbrsdeab moving. To padodilconermoo charge
fur m burg cycle whm a monft parbdffe rate(s) mA* the
map daisy behme fw aaoh ham by the spgiabie in"" pfftk ram
and add IN nuts agdsc The btal call mgrd the perdodk finance dualism
for the bfftap cycle, MW for minor r arkimi s, do to mumift
Grace hdad (d lad b day*
Vila eamna pefluk fterw darer an s tnrasetbn. fm, or Irulha eNrge
awn ft data it Is KIM to your duly balance urea psymant In full Is
received an your mfiaaa. abuse or, cam do rot charge peak do dnares
capes on tams insolvent billed during s bang gds N we risen bath
payment of yarn Iles Banos on your caam statement by to die and
dine your payment Is do out am payment of your New itetrha an your
praNer s0mmnt by fa dab and time yourpryment was duce Than is no
pas period for balance het shm, cash adeancea, check transactions, or
ovardreR advances,
Is addition, if fleas is a'DmMy at PnauliaW Femadng* mesa s
eske dahmoet, you wall not Irncor pededk Imance cherpm an any
Remaining Befirnce Ovtappwn ism Ovl actin I you toy Oat balance in ful
by the applicable Fcphdon Dar. To avoid Irene charges on new
mxctwm when yow Now law= includes car/ PAMS nil BaMne(s) in
to DuAVoj Prwnaloral Final rein. pay your vii Now Idonea
Mims to bat Of area Remraini g 00ww p) by is data and time your
payrrnMt Is din. Masseur. Nyow stetsmad shoos dal a minimum payment
is dw, we mud ncaN at IeadtMS minimum pymam by the do and dime
xPecifid on your saauoat ems t your him beano consists only of
Deatlyng Mansions! Finarehhg hsances.
Aso.formount, OWN* Promotional Ranting baarroa, periods finance
charge antra dwing she promodwul period but am not added to your
moment bum=. IoW I dry saumalma from falling eye* to btng_pda.
This a FOAM d to as'nAlrrd ImrW' Ifs deferred Mount Ds clyNhp
Promotional Rainckrg b*ma is not paid in td by tw oppltento be iaben
eramauhts ton u
Wit, tes dehrmd Imraa darges sell be added to.
fa first dy afar is fliraton Owe. Further, gym detest uder thatans
of your Cardmember Agreement the deferred finance charges will be added
to your account as soon r the tlaa of default
KUM NUTS MNrtAaY
In Case of Bass or 0=0= Abase Your IM If you tale your bit Is
arms/. orff you reed memo ktm wake abouta bansaelon onyms bil, write
Cardinsnber Service an a ampaate shoo at P.O. Box 15299 Waminplon, DE
19/593288 d mm ea pesaEa. We must hoar from you m later Own 60
days after we sent you ado sat bill an which the error or problem appeared.
You am tdephww as. butdob8 to will not pmeam Vow alpha.
In your labor. gin ea the following adwinstion
• Your name and account amber
• The dollar amount of the suspected arror
• Describe the error and explain. gyms can, why you believe there Is an error.
I you red mom ntimatea desert the ham you are aaurs about
You do not have to pay any amount in Question while two art Investigating.
us, you am 20 obiigrd Is pry the pars of yaw bit to are no in
summton. Wft we InfWilata your tumtom we cannot raw you as
deirquarm or Wu motion to slam the amount you qua . If you hot
autarltM is to pay your croft card bill swersatsmdy from your screw e
ehaooou4 voo can also the pymem an cry smou t you think is
W=1
o stop the Nlxrmt Vow later or al (using The Cardmembw
Service edition or telephone nailber shomh on tlo staesram) must reach
us at least three business drys boon On automatic payment is scheduled
motor.
Special Rake to Chit Card Pwehnsm if you have a problem with the
aealty of goods eraeMcrilartyou purchased vAl h a credit card (achading
purchmm made with a dada). and you have sad in good Ialth to correct
the problem wth In mordant, you may not Ivan to lay the mm ding
amount due on the goods w services. You ham 06 Protection ** who
the purchase pries use mom than SS9 and is purdsse win mule in your
home 90 or wiaun 100 miss of your malting address. Theme limitations
do not apply if we own a opera the mordant, or If we mailed you the
Advertisement for be amplify or sarvicea.
MA021207
Oct 29 2f107
Pap 4 of 63 Oct 29 2007
Statement for accotxtt ntenber- 4288 8410 3541 0287
S4?° b Payment ? /D Pa?Due0 Minimum 1 Payment
CHASE O
Amount Enclosed ? your cMek parrWN to an Chose book Ssnias.
S Nsw aeDrses or s• ? Print m OsOk.
426684103541029700152745004055450000001
oawas"1121W71) III gills 1111111.11.1.1111..I.i...rII.1.I...II.r1.I...11..11.al
ANDR 9DERIII
MECHANKMURp PA 17058.4337 CARO SERVICE
PO BOX X ISIS S R 9
WILMINGTON DE 1MS4163
let 111111.111....6L.111vital 1.16.11116..11111.11111181.11
1: 5000 160 281: 20 3 1,0 3 54 10 29 7 lir
CHASE O 071D2/07s '? , UI1S . TOMER SEA 11-BOOCO 5-2000
Eap.rra 14888446-9900
TDD ,_8D04I95-81=1
Pay by phone 1.800496.7060
Outside U.S. ad coped
1-302.694.8200
VISA ACCOUNT SUMMARY As = at Number 4286 8410 3541 ow p,p sm COUNTINCIUMIES
, as= Previous Belenoe $4.056.46 Total Credit Line $3 ,500 Wins gton, DE 100608200
New Balance ,055.45 AbW& Crack SO PAYMENTADDRESS
P.O.Boa 16168
Available for Cash SO Wkni gton. DE 18806.5163
VISIT 118 AT:
You havent made the required payments and your crefid card aooourd is 150 days peat due.
You can Will turn things around. Cot us today at 1.880-702-7547 (colbd 1302-504-SM s0
that we can find a "Son for your situation,
FINANCE CHARGES
Fi anoe Charge
Daly Periodic Rate Coneep. Avsregs Daly Due TO Transaction Aocu Ld&iss FNANCE
Category 31 days in cyole APR Belaros Periodic Rate Fes Fin Chs.gs CHARGES
Purohsase .00000% 0.00% $4.065.45 $0.00 $0.00 5100 90
00
Cash advances 0000096 0.000% SO.OD $0.00 $0.00 $DAO .
SO,OD
Total Inane ohsrgee $0.00
vs Annual Paco tage Rate (APR): 0.00%
Please see information About Your Account section for balance computation method, grace period. and of ar 6rtportarri Intonation.
The Correspordi g APR to the rats of intend you pay when you carry a balance an arty transaction category.
The EB tuft APR rapreesnts your total fkanos chargaa . holudirg transaction leas
such as rash advance arid balance transfer, fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
JC 0000001 F1633= D S 000 Y e at 0710W P.g.1 .41 O5eae MAMA 0001D 21310 0 0 0 0 6WDODO1001
Page 5 of 63
Address Change Request
Please provide information below only I the address information on front is incorrect
Stred Address: -----??-^-^-^----
City: --
Stabs: --
cep: ------ -
Morma Phone: --- --- Wort: Phone:
Em it Address:
L
Manassas Abed Year Nomad
Uster 9tak1 Cure Plat Wdyar loft or tlobn card Immdstay by
calling the Cwtomw service number found on the from at your abelwnam
Addsom in always &Mkbk to sabt you. You are much an Advlor by
pressing 0 alter you ante your soeart number.
CnWWM d PgwAs Fot payments by squirt US. mall. sand at lent
yaw minknur payment due to our poet office boa del died for oyrmnlo
shown on his Statement. You pymnN by and meet on* wilt ft
inshucione an this sbbmmt. sad meet bemNe by deed or moray order.
payable In U.S. DdNN, and drown an or payable tiasio a U.S. financial
roes ulon or to LIS. branch of a foreign financial institution. Do not sad
wit Wdb your amount number on your dark or many order. Payments,
must besaomgNedbyfapayment coupon Inihe savolaim proWedvith
our address visible through the snwbpe witdw,, tine envelops annol
contin mom am one eeyrtom or magan; artd then an be no stedls,
Am tips, lope or mrrupw m bduded with your payment N yaw
payment is in accordance with our payment kotmafta and Is made
suallable to us an any day except December 25 by 100 p.m, local tine at
our post office boxdslgnbd for payments so this slossoinlL used MM
tMpatmmt le yam accamt a of ale day. If your payment bb aemrdsra
with our payment instructions, but is made available to N after tA0 pm.
loaf small err phNtolfa bwkdaepnbdfw plymenle onto *"Wt,
tea will cm& it to Vow account as of to rand dry. N yes do not fallen our
mment instructions or tt Year payment to not aced by midat us. road to
our post dko box dsaip*W for paym Pit, eredidog of your payment may
be delayed for p is S days. Psyusns ntdo sledraiely, ha* our
autaaw ftephons arvice. Co maer Service Odom. or ON web site
will be $W*K to any preaosahg duns disclosed for des paymarts.
Amax rimes". Iapoefed loo OWN Nmresae: We may rpon
irdamatbn about your account to credit burs" Ian payments. missed
payrsrds or other debdla on your arcout may be mbeW in you redl
report N you thbdt we have reported bamcarele Irdamtla b a red"
buteew you nay wdb to as a fa Catimember Senior address tied on
yaw bring statement
Nits Abed Eteeboak Melt t emre viarc Whim you tmwido a duck a
paynnt you suthwlu us tiler to use Intonation from your du irso malty
a watiho elSctmmic fnaat tlrleef from you( account or a process to
payment as a dv* troasdon. When we use Inbrmadm from yaw Weak
to into an deetradc led transfer. ks* may be aitelw from yam
accant as anon a the time day wan recent your pay+awt, and you MI not
nuM your dmdr badt Iran yow Normal Institution. W to osdver
service number an this statement I you haw guafas abed demonic
chick collection or do not want your payments collected WKtm**.
Ced*" PoppA Any payment chalk r otw bon of peymest runt
you send ea ter Mathes dw tell berm clue to Is marled W bill' or
corvine a similar meta, or des you other" funds; in fail sakidecillon
of a disputed amourd: must be eam to Card SoMaa. P.D. But 15019.
Witnkoon. DE 1119511,3019. Wa reeatw d our dghls regarding Uwo
poyatimb (*,g.. It it it determined Owe Is no vadd depaa or N any each
filet is ncsved a any ode addroW we may modal day chit rid pro
will skill ewe any rrnainirg bemce). We may refuse b accept any such
payment by rtWffft A b yes. no aelYng R or dwnft It All atlw
paymoat "Myou mskt shoed be awn Is the apptepfft pymmt address.
Apaal tlemeaal Nuke: If yaw account has m annW in, It will be billed
each year or in me"W*dmmbk wh*w at not you use your acaa4
and you agree to py it than billed. TM rmual fat Is r 4durldoW slur
We roily a aM you wish to does year Wcort within M *a of dle der
we mall yaw srbmnt on which the areaal tea Is dmrgad and at the fame
Me. you pay your wesio ding balance in for. Your payment of time seal
fee don as affect ow dglac It dose your account and to Walt your h$0 to
make bwastdos on your mom If your account Is closed by you or as
we wit morainal to clangs IN annual in until yet pay your trupstanding
balance in hdl and wuanale vow aemuf erdosbip.
Esplmativa all Rana tNrp e: Yte calculate periodic ffronce derga,
using the applicable periodic raw shown a this shinard. separately far
each feature (coq, balance transbMeomemerha 1111- aid can advance
diet s ('dot trat:sctlon7. pandws. balance tbsias, an adores.
promotional balanaa or overdraft sdraneea). TANS Caiculafts may
combine dlfaem MW ft doh Ace same daily perlaik res. If them Is a
tr• net to a periodic rile on this statement that mN my vary, rd the
inds and margin used b determine hat ate and its convitaid v APR an
demrbed in your Cardmember Agreened. as amended. Them it a
mbbhun Branca charge in any bNlns cycle m which you ore any parodic
finance chews, and a tnrNSetlan Aroma dirge for each balance haWer.
cash Munce, or duck tramectiort in the rnoums stated in yon
Cardmember Agreement as amended.
To W The dally balance for each day atihs eurrnt hung cycle, wt cults
beciro ft balance for emh laire add coy new uardadws or other clobfis
(including fen, unpaid fine= 11ryts ad other ehrges). sobtrad any
paymana or credits, and mako ode adjustment. Tnnsmros am added
as of the haresedon daft, the beghudng of der blimp cycle In which they are
posted a your account or a list date of at choice (wept dun c odt
tranadtons are added as of Out data dpmiNd by to pqw or a kw date
of our choice). Few am added sewn on the date of a related transaction, d1
-1
daft 1W am posed to yoaraccomi. or b bit day of the biRnp cede. This
on a daily pMod? bellence. A credit balance Is rose applies; to any ha tm wt mmul" ft e
2 am.
batiia by der"pododb run to yaw Aweio tbpnN cbarga for
to day. Vk flues add those Derloft inane dragua b you dally behows
mgottbebe0 1 balance tuft next plmaethnondellyva"t
raft could apply bead an the awap da bdmce. wo rl use the daily,
twicic raft tM applies for the Werap dopy betios UMN at tiro and of
do btirng qda b uimdab gm daiy perbdk lane, dsrp rich dry.)
lb go your ipW Dadodc O na doupe ter s big cycle what a daily
pprabbdil tale(s) applies, we add all of the dtiypwIo* Aroma dens ford
lmhret To dsftrneI an swap defy balsa we add you duly balances
and cW* by the number of Are days in ft spNcaft bNM WdeW. I yet
mW* the Away daily balm for adh users by MN appunbb daily
bytionumberattlays
the Applicable hiq cyda(a), and IMn add d of 1NroW bplfw, the
bolt wi also steel der pedodw Anince dings for to oyde, 000
formbrwdelorNdwto Togtysrbtiisis large
for a bov qtN what a= perbdb " applies. MA* 'be
snap daily balm for wpb feature by the opoioebb rosaft Pale& ink
sty rid to eatstle top it t The bad wN egad be perlodt Neeua charges
let der bong cycle, arpt for minor variations dus is aea6ry
few PEW (d cad n drys):
Nk aoass , I A Rena damps an a traracdorn. to, of Isms cbarye
barn tlr due it it added to yaw dally baMNa anti pgmoa In feu Is
re dal an your account Hamm, we do not harp pagodic Inca
dagger on low puednss bleed during a being disk I we nealee bah
paynatd of yaw New Balance an your cu mint MMMM by der des and
ttme your gealme t it dw cob also payment of your New Babnee an yaw
prsiaee alebahemby the dab and time yturpayment in duo Then is no
Face period for towa transfers, pall x1vor , do* tta secdorw, or
omedroftedvarm
it add". Itbes Is a'flanow" Preualeaf Raaadng' used" as
fMs atrbamenf you wen act Input pwfNb 8aea dualist on any
flwabime Bebnce rv tappoun ft Man eaden ryas m get bMmce m fur
by the oppiedle Eondm Dole. Te avoid t dolts s on new
r? ?Provolio ? al FBalance mdudve inancing swim, pay year full Use Balance
the owlltAq
minus Am ftW of gees Rerhoirig Bdxw {a) by Am data and test yam
minimurn payment 6gdicedata amidfine
spaerad an your dol ment even N Your Nero Burns antics ocy of
Oudift Praaafonef FMmbg behaves.
Alto, for some Goollying Promolwal Fiev" 6ainca, pounds finance
stairs sore daring the promotional period list am not added b your
euourd baiatma. Instead May adumufae ham burg cycle Is b&V cycle.
This Is rdwW as a'del rred blewt' N a delved Inaweat Cadlying
promotional Reeahebg balance is cwt pod infal byre sppiabie Ewivala
Daft, the detrrod to rme derges aft be added b yvarawmaa mesh as
Are Lot our matt ft 6tphollm 00.1 ~. A yes deed under ft ems
of you CaAawnbw Apnemertt the desnad Iuanow deers wN M abdod
ft yam aemrr as anon s tie dab of flub.
111111NMI0-1 sulim Y
M Can d rows or Question Ahod Yaw ! I you didt your burl is
wrap. ore you reed noun Warreation sboa al waeaon on yaw bit. wria
Cardawnbar Som one aopo . shoe[ at P.O. On ISM 1141mipom. DE
1985"M as soon s poeabla. We most how ho you no tar den 60
days sherwa swa yes the rent bi onwdtieh the amt or probimt appeared.
You cm Uhplara as. but doip so all not presents year rights.
In yaw leer. On a the *910wkp information.
• Your new and amount number
• The dollar support of the suspected error
• Deectiae ft error and aopfain. ryou an, why yes believe tine is an error
d you mad mom rbnmdont desert the Ism you we moan about.
You do not has to pay any anoum in question while we am Invadquing.
low you an suit oeipbd b pay the pats of your hi der an nd in
gwalm. VM we bomipl yaw Question. we cannot RW yes s
dokquent w tabs action to mleat the amoom you question. "yes tee
avdwrbod a leyayyme credit card bit eubmaMaly from your arthga w
cMddnd atcoft you an slop the payment a any on" you think is
wrap It dap the payment. your Wder or d font the Cadmember
Sella addraa r telaphae numbs shown n tithe fbknhent) mud reach
us at lead thrs business days before pee automatic payment is scheduled
to OCCtr.
Spacial Raft far Credit Cara PimrNcac N you have a problem with the
godly of goods waaMcesthat youpud rdthacnaditand(adaft
puetrws made with a credt). and you have tried in pod fain to corroo
fa problem with the merchant. you me/ rat tae to pay the ramaiang
amount due a to goods or urvicas. You have Wt protection only what
the purchase pelts ves mom than SO and the purchase was mate in year
home stow or widdn 1DD miss of yaw moing address. Time Ornibtlons
do not apply I we own or penb the merden, or if to mailed you the
advardsanert for the property or "Mew
MA0212W
Oct 29 2007
Page 2 o(63 Oct 29 2007
Statement for awoturl nuirnber: 4266 8410 3541 0297 /?
New Balance Payment Due Data Peet Due Arrwurd ANilimurn Payment CHASE o
54.056.46 ??--- OWZ= $97200 SIA WAS
chwe c.
bwk. and 9arvbas
Anou t Enclosed ? =eereea a *- Rim cn
4266841035410297001608450040554500DOOD1
az
ANDREDREWJKREI RBDERIII gills 1119111111
MEECCNANICSB Ra PA ,70554w CARDMBABER SERVICE
PO BOX 15155
WILMINGTON DE 198865153
.,. I II,.,III on, 11.18 Ill 1111.112111,.. II,1,,,111.....11.,.1,
1:5000 L60 281: 203 L0354 i0 297 Lila
O " fie' 0SWW-ON0207 CUSTOMER SERVICE
CHASE O M: , Due per: oomw to U.B. ,-6009152000
ng'
Eapappl 148BC41108
TDD 1-800.9155-1061)
Par by pl-o t-wo4w7966
Outside us. oat nOpOi t
VISA ACCOUNT SUMMARY AccountNweber:42e M035410297 1.302.6044=
PnnAOUS BemraS 54,055.45 Total credittiw ACCOUNTINOUIRIES
New Balance 6, Available Credit f9.bSD P.O. Ica 15290
Cash Aoom Liza S7DDD WiMn91on. DE iDB60 SZD9
AvabbbforCash SO PAYMENT ADDRESS
P.O. Bcrr 15,59
Wininam. DE 198666153
VISITUS AT:
awym-chatILDpaigimajaft
The oulatanding balance an your credit pans account Is adwduled b be written off as a bad debt
ahD*. As a resu t. your credit bureau will be updated wpb a negative rating Stet mould last for
up to Seven years. Yye can app help. but you need to call us now at ,-896792-7547 (Doped
1.302-594-8200}.
FINANCE CHARGES
Raanw Charge
Dept' P-kxk Rafe Correep.
Category 32 days in cycle APR Average Dopy
B Dw To Transaction Aoopmu{slsd FINANCE
Purchases
0
' alance, Periodic Rate Fee Fin Charge CHARGES
.
0000
6 0.0010
Cash advances .00000% 0
0016 $4.055.45
50
00 $0.00 $D.00 $0.00 5100
. . $0.00 5100 $0.00
SD.00
Total 6anoe charges
$0.00
Effectln Anw41 PO 00 IMP Rob (APR): 0.00%
P
lease ew WM allon About Your Account 3eoft for balertce computation method, grace period, and odrm inporimt kdormetiorL
The
ctive etlonPR APR to the rate of InNreat you pay when you wM a balance on any transaction category.
The E m
such as cave advance nfs your total finance chargea - ickxb g trumpson,ees rund balance transfer ism - expressed as a percentage.
IMPORTANT NEWS
Your 2007-2000 Privacy Notification is enclosed
for your record
This Statement is a Facsimile - Not an original
0000001 FIS30M D 7 000 Y D 01 07',cm Pago t or t 06ee11 AAA AAA 0410D 2467
0000D70000,t00D1
Page 3 of 63
Address Change Rap"
Pleaae provide Information below oriy l the address inforrrustion on front is inoonact
StringAddrow: - ----------------
City:
Stair
Zp:
Work Phone: --- -- .-
---E-mall Address:
L
WaroeNon Abeam leer mcow
Lap w BWen Carle Mthoe rportyourYost orwden card imnadaley by
cellnS ft Misioner Sehia number lorm0 on the hit of your statement.
Aduleom am dmp a slabs to assist you. You an reach an Went by
pressing 0 A ryou comer your axone number.
Craddbq Ad Parents lc for payments by regular U S. md, send at Won
your minimum mgment do to our pat office bat designated for payments
shown on 86 fWA sad. Your paymu0 by reel mat amply with the
Instructions an thin state, ant and must be made by drank or marry order
payable In U.S. Dollars. and den an or peyebfe through a U.S. frsntid
insitufon or Be US. branch of a foreign financial imstiblion. Do not sad
ash Writ your account member on your chock or money order. Poymame
mud be aooanpmdad by the ps"Win ceaponin the Knows" ANWW ofpr
our addres visible through Ie arwebps window, the envelops aces
contom mom ten an psymat or coupon; ofd than car be no non,
paper cps, tape or omespondsea included with your payment N your
payment is in accordnce with our payment instructions and is made
evabble to us on cry day rep December 25 by 1 AO p.m. foal tune at
our post Wabetdes*"lotpWDMendoSW m tfurwilrddt
the payment oyou Kowl a of gel day. It your payment Is In aeeordence
14th our poi net instructions. but is made mailable to a after 1:00 pal.
foal IM at ear sot oNha boxde Mina ether boymads an this stitmnaK,
we will credit it to yaw account a of the no day. It you do not follow our
par" nmlncbmm of it your payment is not dent by tegde US. reel to
our poet ollea hot dWgnKW for payments, cndibg at your payment may,
be delayed der up to b days. Payments male sedmdaly through atr
automated olepops service. dstomer Service Wants. or over web site
will he ~ to any processing lima dsdaasd for dues payments.
Account Monello Reported Is Credit Ramses: We may report
information abed your account to credit buram lab paymems. miwd
payments or odor ddatfs on your mown may be reflected in your crdit
report N you thin we hew reported Inaccurate Information to a credit
bureau. you may wiles to us al iha Catdnemba SeMce adow listed an
your bong s2 mraht
No= Alen Ekshok Wen Carnmsioe When you ornvide a duck es
payment youautlsttm us either to no Information ban your dhecir to main
a one-time datevedc fun harder hem your amount or to process to
peyrnad a a dndk transaction. When we now information from your nsdr
to make an aleNpola fund traofar. kends my be sipndmn from liar
aacaad at soon a the ens dy re modus your payment, and you vdl not
na6krl your dedr back hem yaw IbYI- Institution. 00 to astmor
ssrvia Mari aft this important l yon base questions about datmata
duds collection or do not aartyear payments collected siectmntdy.
CoadNiwl Pagasob: hay payment chick or other om of payment ism
you and po or ion Nsa the Id Wlena due tlmt Is marbd'paw in *jr or
commie a similar minion. or tint you othervive Under in fnl nibbdm
of a disputed mount, must be we to Card Services. P.O. Bas 15019.
wlmiro n, DE 19850.5019. We reports all our sighs tagardip tlms
payment (*.V.. If it is th sminad Brae Is no vain dlepua or N any such
crack is mesived at ay arms &Orem we may =Ml Bur died end you
vall eel win wry nomiaing haler). We may refuse to most any loch
payment by rnumog 1 to you. not aaldp it or destroying N All other
payments; do you make thou be Anne torn approphmt pymem address.
Aalpol Rpoetesl Netie : if year amm" has on mad in. it wgl be billed
Mria et rei yon use yew account
each liar a in raarddy iMelmAt 'w
and yon sine o pay N adman bided. Theaontusi fo b nen•refrdable udeo
you notify to the you with Co does your a:amet wtMn 30 days of the data
vn mail your slesment an which the vernal to It dwW and at the same
rrna, you ply your eussreirq Imsnce in full. Your payment of to mot
In does Not arat:t ear mphs s tae your maum ate to Wnit your right to
maim immediate on your sc o ort.11 year so mn Is timed by you or an
van will ccninuo to carp then emal to kart you Wry your outstanding
bats ce in full and terminate yow aemut relationship.
Explanation of Raw Marpos: We calculate periodic firma derges,
using the applicable periodic n* sham an this sfslemem separs* for
each farm {cog, balms ttndsrleaas isra eladu ad cash sOwnCn
checks rdUck vwmd h'). purchases. blame Imnelen, with adman
pnmodoal balncet or owrOnR advnae). Then calculations may
combine dlfrem eslporles WO rte some dally perbdc tale R ran Is a
V` nett to a psriodk met on the statement are rob may wry, and the
inch and maps until to dalennse do no and as corresponding APR am
dascrbed In your Cardmmber Agrpomrmt as amended. Thee Is a
mnimum inns charge in any kiiotp Cot in Wddh you 0101 any WiDO'c
finance clnpes, and a transaction finance charge der each basnet transfer
cash advance, or check hensmtion, in the amounts sited in yea
Cardin ember Agreement as meded.
To got the daily balance for such day of IN current tilling cycle, vie bb the
beginning balance for much fol m add any new bamedons or elite dents
(including fees unpak fiance charges and other chugek. subirict any
psymeMS or credit. And male other adjustments. Tramaecfone am added
as of the transaction dale, the beginning of the billing cycle In tddiri thyare
posted a your accord, or a later dole d our choice incept then check
transactions an added O of De date riposted by are paya or a eta data
of our chneel. Fat am added ehher on the date of a rdaled transaction, the
dale they, are frosted to your account. or the lest dy of the billing cyde. This
non. n it in IM a dilly do* balance. A credit di rate applies to ruy f?rate is e. u wo m?qy a balance of
dolly
o
bib= by the dolly Palo k rate to ppAA your pedodio tiemce Charles for
tet day. We On add these periodic brmuce cages to you eddy balance
tlube?mir>DMYlcalotihenmdday (Ifmaethmotmdolyptaodc
login
to teak apply hexed on go avenge it* balance. in M w ire dolly
lmriedia ram itM aplfes for sire aaeraQe defy belerha mourn althe end ef
its killing eydo s OWO tee dry periodic li I dorpe esch dy.)
lb get your Mad psioAC horde charge bra bM4 cyde ohm a deity
prlodicrme(s)Applies, wead All offhdally periodic Iftruce charges: foral
I - To determine an & dally bWna win add year dab balances
and divks by the number Of the days in ra appkatele billing gde(s). Nym
modipy, fft msmga dally bum to such feature by lines applicable dolly
ad tm mA* such of ftu results by ft number of days
orkedic
rah applc" billing *We). at than Add of of In supplies togodiar, the
toad is also low ism pdoake Irmrrce Alnga for the Id" cycle, Misom
brmleervaridorm du to rsmralrq Te ga your blot periodic der e
for a billing cycle wires s periodic mte(s Apple, raw* the
bakews aad ? add ?fho raeoq me The bod twill usi the odic bmto chrgga
for to blip slide, utapt for minx variations do to mundip.
9aa Poland iw lead n days):
Wes mrw podedle flow dmrgec on a notation. to, or fiance charge
Jews On date it Is added to your dally hall= WA payment in fig is
madvN on yaw stAmmel. Hammer, we do not carpe padodic Ante
dupes on nee peslrms bred during a Willing cycle If vm residue ImM
payment of your New Bdum on yaw Mrmrd Moment by the dm and
In year payment is due wed elm payment of you Now Banta on your
srmdon allotment by the ON and lime yew payment on due. Thara is no
paceperiod or helm thou ; wit adorn a, check tra ocionL or
onrdoft nmvm
b oddlia. N1bm b • •Bml tiiy Pun ass Reaecbg• iCloe ss
fib eebeeers, you will not Ina periodic Inence do" on any
Amnakiuq BW m trtappxm b Out satins l you ply that balnce in full
by the applicable Enplradan Deb. To avok finer charges ce new
twalsaas white you far Banta includes any Romi ''rq &oms(s) in
is Ossifying Pmmdad Financing scion. ply your fug Now l dice
mire the total d from Rmsisrq Biaxt(s) by tht date and the your
psyar f b des. Ibweuer.lysr&Wmwf mbom u* a mbdmun pymud
isder.wemww"wI W#Wmhmump"ntbythedyeandOme
speAM an your emanent eves it your New Balance consists only of
Dod* g Pmmolaat Rusteng belor m.
Alto, br saes Odlyiig Promotional Femrcirq balances, periodic finance
dupe maw durbq the promotional period but we not added to your
accord befmpo. hssad, OW awurwW@ hum being cycle to telling cycle.
This Is nfemd o a °delerrad imuas' N a dsarmd Irdow Dm*M
Praeetiasl Rner deg bum= is not paid inhd by the applicable Ex*som
Dm, ft rlularad bon alsrgm will be added to your samnrues anon a
the fist day ate rho EvwfJ rr Diu. Ftdles.I you default under t the toms
of year Cammrnber Agsimertt, the dsersed prance dings will be added
to your amour a soon a the dill of default
PLUNC MGM s01NUR
s Can of ism w OmOm Abet Yew BNt r you dit your bet is
yrong orryou rwd mom idsraaton about a transaction on your bill. errs
Go duo bar So vies on e seDms sheet at P.D. Bar 15299 YNmingion. OE
1985032119 ae no a peg". era mum hear from you to leer than 89
days aberwe ass you the first bit on which des error or problem appeared
You rsen talepl , us, tat doing m vdl not prwrvo yew righb.
in yew beer. give se she lallewihp information.
• Your nee and aaooant number
• The dollar amoeK of to suspected era
• Descries is arorand explain. Nyoe run, why you bsiiew them is an error.
It you rend mom bbmaree describe re Ism you are unsure smut
You ds not him to pay cry amount In question while we are Irmsigang.
ad yea am sell obligated to pay the parts of your bill that are no n
maelon. V *M we iraspgab your notation. we cannot report you o
deinqurd at tike action to solve the mount you mention. If you hove
metherb ed us to pyyor trait and hill ant malWNy from your aekge or
chadi amorrL you can sop the payment on ey mount you IMhk is
wrap To stop the ?ryme t your letter or ad (using the Wilmorribor
Savior addran or tobsihons nmber dmvm an he sbtanent) m ual race
o all last throe bnainhsa days boom the eutematic payment is scheduled
to otter.
Special Ask der Chit Card Perot me If you hwe a problem mm the
qudy of goods mrsasics tintype purchased vAlr a credit card (aciuM*
purchases made with a duck). and you how* tried in good tdth to cornet
to problem with to merchant you m W net h mm to pay tM'roommiii
amount der on the goods or services. You Mw eels protection any whn
the purchase price was more ttm S50 and the purchase vas made in your
hams 300 or wtthn 100 mlpo of yew malirq ada•a. Those limitations
do not Apply if we own or opsmb this mer here. or If to mailed you the
Advart eiment for to property or services.
MA021207
Oct 29 2007
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiffs First Request for Production of Documents and
Request for Admissions has been served by U.S. Mail, on the day of dar
2008, upon the following:
Kenneth Studley, Esquire
Ruther & Associates, Llc
Po Box 729
Columbia, Pa. 21045
moo. f (kad --
N v?f
Cv ""^
r77 r=
iV
co
_' .
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)
Grv?.,( lavl U S 4 U A
(Plaintiff )
VS.
t??du,u J KreiQ? 1?
?? Poiawu J KrGdar
(Defendant)
No.n7-57J Civil/7/j .??
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's
demurrer to complaint, etc.):
2. Identify counsel who w; t l argue case:
U?1??1(? V?'t 1 g)(c E 6(v)W?Itmon, WWbM & Rals Co.
(a) for plaintiff : 1400 KOPPM Bldg.
Address:
436 7th Ave.
P#tsWfgh, PA 15219
(b) for defendant:
-(?? (412) 434-7955
Address:
0
. ?, ()
6/o'VkL),a
3. I will notify all Parties in writing within two days that this case has
been listed for argument.
4. Argument Court Date:
Attornev for
?IY
? V t
?e
7t
fl
CZ)
CZ)
' i
i
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA NA,
Plaintiff,
VS.
ANDREW J KREIDER III
AKA ANDREW J KREIDER,
Defendant.
Case No.: 07-5575 CIVIL TERM
ORDER OF COURT
AND NOW, to-wit, this 2$" day of ?22!!, 2008, upon Plaintiffs Motion for
Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is
GRANTED and Judgment is entered in favor of Plaintiff for $8518.92 with interest at the rate of 6.0% per
annum from date of judgment plus attorneys' fees, plus costs.
BY THE COURT
J.
WWR No. 6078945
?'771/-S - x ?"
c,lor-"lw -M ?ttf
.-T --nrcw gaij, T
utl:?
8o/1 b r/-T
7 J r.
t
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
Case No.: 07-5575-CIVIL TERM
TYPE OF PLEADING
VS.
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
ANDREW J KREIDER, III
AKA ANDREW J KREIDER
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
THIS IS AN ATTEMPT TO COLLECT A DEBT
USED FOR THAT PURPOSE.
Patrick Thomas Woodman, Esquire
PA I.D.434507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 06078945
$9,518.92
AND ANY INFORMATION OBTAINED SHALL BE
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff Case No.: 07-5575-CIVIL TERM
VS.
ANDREW J KREIDER, III
AKA ANDREW J KREIDER
Defendant.
PRAECIPE FOR JUDGMENT
TO THE PROTHONOTARY:
Pursuant to Pa.R.C.P. 237, I certify that a copy of this Praecipe has been mailed to each other
party who has appeared in the action or to his/her Attorney of Record.
In light of the Court Order granting Summary Judgment in favor of Plaintiff on May 28, 2008, kindly
enter Judgment against the Defendant, ANDREW J KREIDER, III
AKA ANDREW J KREIDER, in the amount of 51- 9- cpmputed as follows:
A slaw
Amount Awarded per Order: $8,518.92'
Interest from the date of judgment
at the legal rate of 6.0% per annum: $0.00
Attorneys' Fees: $1,000.00
TOTAL: $9,518.92
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
By: (?6b`tsyw6---
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiff's address is:
c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7t' Avenue, Pittsburgh, PA 15219
And Defendant's address is: 3 PHEASANT CT., MECHANICSBURG,PA 17055
r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA NA,
Plaintiff,
VS.
ANDREW J KREIDER III
AKA ANDREW J KREIDER,
Defendant.
Case No.: 07-5575 CIVIL TERM
ORDER OF COURT
AND NOW, to-wit, this 2$" day of L"? , 2008, upon Plaintiffs Motion for
Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is
GRANTED and Judgment is entered in favor of Plaintiff for $8518.92 with interest at the rate of 6.0% per
annum from date of judgment plus attorneys' fees, plus costs.
BY THE COURT
J.
31-
WWR No. 6078945
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to
the Praecipe attached are not members of the Armed Forces of the United States or any other military or
non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned
further states that the information is true and correct to the best of the undersigned's knowledge and belief
and upon information received from others.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: ?Q-bC__iA, (1tMA0A
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06078945
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
ANDREW J KREIDER, III
AKA ANDREW J KREIDER
Defendant.
Case No.: 07-5575-CIVIL TERM
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that the following Order or Judgment was
entered against you on _It, 260
(xx) Assumpsit Judgment in the amount
of $9,518.92, plus interest at 6.0% per annum, plus attorneys'
fees of $1,000.00, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent
KENNETH STUDLEY, ESQUIRE
Ruther & Associates, LLC
PO BOX 729
Columbia, MD. 21045
THIS IS AN ATTEMPT TO COLLECT A DEBT
USED FOR THAT PURPOSE.
Prothonotary
By:
PRO ONOT Y?
AND ANY INFORMATION BTAINED SHALL BE
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
ANDREW J KREIDER, III
AKA. ANDREW J KREIDER
Defendant.
Case No.: 07-5575-CIVIL TERM
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
ANDREW J KREIDERIII - AKA
3 PHEASANT CT
MECHANICSBURG,PA 17055
folio -wing Order or Ju ent was
I
You are hereby notified th tt.thh
entered against you on
(xx) Assumpsit Judgment in the amount
of $9,518.92, plus interest at 6.0% per annum, plus attorneys'
fees of $1,000.00, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent
Prothonotary
THIS IS AN ATTEMPT TO COLLECT A DEBT
USED FOR THAT PURPOSE.
By:
PRO ONOTARY )
AND ANY INFO TI N TAINED SHALL BE
w
IN THE COURT OF COMMON PLEAS FOR
CUMBERLAND COUNTY PENNSYLVANIA
CHASE BANK USA, N. A., CIVIL ACTION
Plaintiff,
V.
NO.: 07-5575 CIVIL TERM
ANDREW J KREIDER III
AKA ANDREW J REIDER,
DEFENDANT'S RESPONSE TO PLAINTIFF'S REQUEST FOR
PRODUCTION OF DOCUMENTS AND ADMISSIONS
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, financial statements, accounting
entries, diaries, charts, lists, phone records, data compilations etc.
Defendant has no documents requested in #1
REQUEST FOR PRODUCTION OF DOCUMENTS 2•
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
Defendant has no documents requested in #2
This document was prepared by or with the assistance of an attorney employed by The Legal Advice Line Consortium consisting of Legal
Advice Line, LLC, Persels & Associates, LLC, and Consumer Law Associates, LLC; 866-442-5669.
IN THE COURT OF COMMON PLEAS FOR
CUMBERLAND COUNTY PENNSYLVANIA.
REQUEST FOR ADMISSION NO: 1
Defendant applied for the credit cards referenced in Plaintiffs Complaint.
Admitted
REQUEST FOR ADMISSION NO.2:
The attached monthly statements, from November 05, 2004 through September 04, 2007,
correctly identify the payments, charges, and balances on the account as to Account I.
Admitted
REQUEST FOR ADMISSION NO.3:
The attached monthly statements, from May 02, 2005 through September 02, 2007, correctly
identify the payments, charges, and balances on the account as to Account H.
Plaintiff produces statement for only one account (No: 5401 6830 1007 7763). Defendant had
only one account with Plaintiff and therefore denies this request for admission.
REQUEST FOR ADMISSION NO.4:
The last payment on the account was made on January 19, 2007 as to Account I.
Admitted
REQUEST FOR ADMISSION NO. 5:
The last payment on the account was made on January 15, 2007 as to account I I
Plaintiff produces statement for only one account (No: 5401 6830 1007 7763). Defendant had
only one account with Plaintiff and therefore denies this request for admission.
REQUEST FOR ADMISSION NO.6:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the
credit card in question.
Admitted
This document was prepared by or with the assistance of an attorney employed by The Legal Advice Line Consortium consisting of Legal
Advice Line, LLC, Persels & Associates, LLC, and Consumer Law Associates, LLC; 866-442-5669.
IN THE COURT OF COMMON PLEAS FOR
CUMBERLAND COUNTY PENNSYLVANIA
VERIFICATION
The Defendant verifies that the statements made herein are true and correct
based upon his knowledge, information and belief. The statements are made subject to the
penalties of 18 Pa. C. S. Section 4904, relating to unsworn falsification to authorities.
Andrew J. Kre , 1 1
222 anywheer st
boston, Pennsylvania 21111
444-222-3333
CERTIFICATE OF SERVICE
The Defendant(s) HEREBY CERTIFY that on this /&ay of
20&a copy of the foregoing pleading was mailed, first-class, postage pre-pai to:
Patrick Woodman, Esq., Weltman, Weinberg & Reis, Co.
1400 Koppers Building, 436 Seventh Ave.
Pittsburgh, Pennsylvania 15219
none provided
Attorney for Plaintiff
C
Andrew J. Kreid , 1 1
This document was prepared by or with the assistance of an attorney employed by The Legal Advice Line Consortium consisting of Legal
Advice Line, LLC, Persels & Associates, LLC, and Consumer Law Associates, LLC; 866-442-5669.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS;
ANDREW J KREIDERIII
Defendant
No. 07-5575 CIVIL TERM
PRAECIPE FOR WRIT OF EXECUTION
(LEVY ONLY)
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06078945
.A-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5575 CIVIL TERM
ANDREW J KREIDERIII
Defendant
PRAECIPE FOR WRIT OF EXECUTION
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TO THE PROTHONOTARY: ?
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Kindly issue a Writ of Execution in the above matter... w
1. directed to the Sheriff of CUMBERLAND County:
2. against ANDREW J KREIDERIII, Defenda t
3. Judgment Amount MfthaM b . PA $ 8518.92
I'>'055
Interest
Costs
SUBTOTAL:
Costs (to be added by Prothonotary):
$ 431.31
$ 8850.23
WELTMAN, WEINBERG & REIS CO., L.P.A.
I
By: 4
?4" -Aa410 - -
William T. Molczan, Esquire
PA I. D. #47437
WELTMAN, WEINBERG & R IS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06078945
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-5575 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s)
From ANDREW J KREIDER III, 3 Pheasant Court, Mechanicsburg, PA 17055
(1) You are directed to levy upon the property of the defendant (s)and to sell any and all personal
property .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $8,518.92
L.L. $.50
Interest - $431.31
Atty's Comm %
Atty Paid $158.52
Plaintiff Paid
Due Prothy $2.00
Other Costs
Date: 6/01/09
(Seal)
REQUESTING PARTY:
Name WILLIAM T. MOLCZAN, ESQUIRE
s R. Long, ro on tary
By:
Deputy
Address: WELTMAN, WEINBERG & REIS CO LPA
1400 KOPPERS BUILDING
436 SEVENTH AVENUE
PITTSBURGH, PA 15219
Attorney for: PLAINTIFF
Telephone: 412434-7955
Supreme Court ID No. 47437
w v
. - 1
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Edward L Schorpp
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
? ru
Chase Bank USA, N.A.
vs.
Andrew J Kreider, III
Case Number
2007-5575
SHERIFF'S RETURN OF SERVICE
06/09/2009 07:45 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on June 9,
2009 at 1945 hours, he served a true copy of the within writ of execution, upon the defendant, to wit:
Andrew J. Kreider, III, by making known unto Anita Kreider, spouse of defendant, at 3 Pheasant Court,
Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him
personally the said true and correct copy of the same. Upon serving the writ of execution, a levy was
completed. Postcard mailed to attorney and letter mailed to defendant on 06-11-09.
03/31/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $73.74
March 31, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
",?A r ? ?
Sharon R. Lant
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