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HomeMy WebLinkAbout08-0364IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. CAROL KELLEY AKA CAROL S KELLEY MRS AKA CAROL S KELLEY Defendant No. 09 - 3" Ciuj l -I p rM COMPLAINT IN CIVIL ACTION 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. d HiOoKoppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR406371331 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. CAROL KELLEY AKA CAROL S KELLEY MRS AKA CAROL S KELLEY Defendant Civil Action No. COMPLAINT IN CIVIL ACTION 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 ON AGENICES 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 1. Plaintiff , CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVED, SAN ANTONIO, TX 78251 2. Defendant is an adult individual residing at 510 WOODCREST DRIVE, MECHANICSBURG, PA 17050. COUNT I - ACCOUNT NO. 4147202021743438 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4147202021743438. 4. Defendant made use of said credit card and has a current balance due of $8,374.66. 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. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 8. Plaintiff is entitled to interest at the statutory rate of 6.00% per annum from December 28, 2007. 9. Although repeatedly requested to do so by Plaintiff, Defendant has willingly failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, the Plaintiff prays for judgment on Count I against Defendant, CAROL KELLEY, individually, in the amount of $8,374.66 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007, plus attorneys' fees of $300.00 and costs. COUNT II - ACCOUNT NO. 4266902019687043 10. Plaintiff incorporates by reference each of the preceding paragraphs of this Complaint as if the same were set forth more fully at length herein. 11. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4266902019687043 . 12. Defendant made use of said credit card and has a current balance due of $ 1,020.58. 13. 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. 14. Plaintiff is entitled to interest at the statutory rate of 6.00% per annum from December 28, 2007. 15. Although repeatedly requested to do so by Plaintiff, Defendant has willingly failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, the Plaintiff prays for judgment on Count II against Defendant, CAROL KELLEY, individually, in the amount of $ 1,020.58 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007 and costs. COUNT III - ACCOUNT NO. 4147202024326223 I\S. Plaintiff incorporates by reference each of the preceding paragraphs of this Complaint as if the same were set forth more fully at length herein. 1`1. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4147202024326223 . 11. Defendant made use of said credit card and has a current balance due of $ 4,934.49. 11. 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 -2.a. Plaintiff is entitled to the addition of interest at the statutory rate of 6.00% per annum on the unpaid balance as of December 28, 2007. 2-1. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment on Count III against Defendant, CAROL KELLEY, individually, in the amount of $ 4,934.49 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007 and costs. COUNT IV- ACCOUNT NO. 4147202014681140 27 Plaintiff incorporates by reference each of the preceding paragraphs of this Complaint as if the same were set forth more fully at length herein. Z?, Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4147202014681140. ZQ- Defendant made use of said credit card and has a current balance due of $ 8,235.78. -c,), 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 2?- Plaintiff is entitled to the addition of interest at the statutory rate of 6.00% per annum on the unpaid balance as of December 28, 2007. 2-7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment on Count IV against Defendant, CAROL KELLEY, individually, in the amount of $ 8,235.78 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007 and costs. COUNT V - ACCOUNT NO. 4147202018843191 22, Plaintiff incorporates by reference each of the preceding paragraphs of this Complaint as if the same were set forth more fully at length herein. 2(2. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4147202018843191 . W, Defendant made use of said credit card and has a current balance due of $ 5,526.08. 3I, 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 Plaintiff is entitled to the addition of interest at the statutory rate of 6.00% per annum on the unpaid balance as of December 28, 2007. :?. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment on Count V against Defendant, CAROL KELLEY, individually, in the amount of $ 5,526.08 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007 and costs. COUNT VI - ACCOUNT NO. 4266841064606773 '}-A . Plaintiff incorporates by reference each of the preceding paragraphs of this Complaint as if the same were set forth more fully at length herein. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4266841064606773 . Defendant made use of said credit card and has a current balance due of $ 7,776.05. ?- 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 ?)'K , Plaintiff is entitled to the addition of interest at the statutory rate of 6.00% per annum on the unpaid balance as of December 28, 2007. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment on Count V against Defendant, CAROL KELLEY, individually, in the amount of $ 7,776.05 with continuing interest thereon at the statutory rate of 6.00% per annum from December 28, 2007 and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. William T. M )I 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#:06371322 Page 1 of 2 A al Statement for account number: 4147 2020 2174 9438 New Balance Payment Due Date Past Due Amount Minimum Payment $8,374.66 10'29/07 $774.00 $1,106.00 Wko your check=pryla to Chase Ca Sent- Amount Enclosed $ New address or a-rnsW! Print on back. CHASE O 414720202174343800110600008374660000006 7524 aEx 9271m D CAROL KELLEY 510 WOODCREST DR MECHANICSBURG PA 17060-6608 IrrrlllrlrrlrrlJkrlrrllrrr111rr,rllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 191168-5153 4500016021311: 3 74 20 2 174 34 38011' OPening/Closing Date: 1 - 09/28!07 CUSTOMER SERVICE CHASE O Payment Due Date: 10123/07 In U.S. 1.800.945.2000 Espafiol 1-888.448.3308 TDD 1-808-955-8068 Pay by phone 1-888-438.7958 Outskle U.S. cell collect Minimum Payment Due for Credit Access Line $932.00 1.302.69482W Past Due Amount $T74.00 ACCOUNT INOUIRIES Total Minimum Payment Due $1,106.00 P.O. Box 15298 Wilmington, DE 19850-5298 PAYMENTADDRESS VISA SIGNATURE SUMM ARY Account Number: 4147 202=0 2174 3438 P.O. Box 15163 Previous Balance $8,125.91 Credit Access U. $8,600 Wilmington, DE 19898-5153 Purchases, Cash, Debits -$39.00 Available Credit $125 VISIT US AT: Finance Charges x$209.75 Cash Access Line $1,700 www.chasa.coMcreditcarde New Balance $8,374.86 Available for Cash $0 The charge privileges on your credit card acocunt have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on back. Can 1.800.966-8030 (collect 1-302.594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. FLEXIBLE REWARDS SUMMARY To redeem your Flexible Rewards points, call Previous points balance g 1-800-60&2265, or log on to Pointe earned on purchases this period 0 www.chase.caWcredltcarde for 24-hour access New total points balance 0 to your rawarde program. Total points unavailable for redemption 243 117 Points to expire on statement on or after JULY. 2012 TRANSACTIONS Trans Amount Dab Reference Number Merchant Name or Transaction Description Credit Debit 09123 LATE FEE .00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comasp. Average Daily Due To Transaction Axumuteted FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .082169A 29.99% $340.48 $8.68 $0.00 $0.00 $8.66 Cash advances V .082189% 29.991/6 $864.41 $24.57 $0.00 $0.00 $24.57 Balance transfer V .W216% 29.99-1. $6,929.51 $176.50 $0.00 $0.00 $176.50 Total finance charges $209.76 Effective Annual Percentage Rate (APR): 29.19% 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 finance charges - Incfudtng transaction fees such as cash advance and balance transfer fees - expressed as a percentage. X 00000x1 FISUIM D s 009 Y 9 28 07109/28 Pe9e 1 011 06888 MAW 17524 2711IXxxWG17524m https*.//instantimage.bankone.net/Star/jsp/Printbirectly.jsp EXHIBIT 11/13/2007 Page 2 of 2 Address Change Request Please provide information below only if the address information on front is incorrect. Street Addrese: ---------------------- City: ------------------ State: -- Zip; ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: --- 7 L Informal About Yen, Ancient lost or Stolen Carlo: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting al Payments: For payments by regular U.S. mail, send at lent your minimum payment due to our poet office box designated for payments shown on this statemenl. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and dawn on 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 number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our addrew visible through the envelope window; the erial carat comm more Nan one payment or coupon; and there can be no staples, paper dips, ape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us an any day except December 25 by 1:00 p.m. local time at our out office box designated for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance math our payment instructions, but is made available to us after 1:00 P.M. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your Payment may be delayed for up to 5 days. Payments made alactronlcally through our automated telephone service, Customer Service advisors, or our web site Wail be subject to any processing times disclosed for those payments. Account Information Reported to Credit Banana: We may report information about your account to credit burros. Late payments, mined payments or other defaults on your account may be affected in your credit report . If you think we have reported inaccurate Information to a credit bureau, you may write to us at the Cardmember Service address listed m your billing slatement. Notice Moth Elections Check Continental When you provide a check as payment, you authorize us either to use information from your check to make a onetime electronic fund transfer from your account or to process; the payment as a chock transaction. When we use information from your check to make an electrons fund transfer, hods may be withdrawn from your account as soon as the same day we receive your Payment, and you YAN not receive your check back from your financial institution. Cal the customer service number on this statement if you have questions about electronic dsck collection or do not want your payments collamad electronically. Caditional Paye ads: Any payment check or other form of payment that you sod us for lass than the IWI balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in full malefaction of a disputed amount, must be sent to GM Services, P.O. B. 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e q., it it is determined there is no valid dispute or if arty such check is received at any other address, we may accept the check and you will 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 Nat you make should be sent to the appropriate payment address. Anvil Removal Neaps: If your account has an annual fan , it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual lee is no-refandebie unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to dean your account and to limit your right to make transactions on your account If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your acco unt relatlciral Explanation of Rupee Charges: We calculate periodic fireence charge, using the applicable periodic rates shown on this statement, separately for each future (e.g., balance tansferlcomensnce checks and cub advance checks ('check transaction'), purchases, balance tranalen, cash advances, promotional travel or overdraft advances). Thane calculations may combine different categories with the mine daily periodic rate. If there is a "V- next to a periodic rate on this statement that ate 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 billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, ash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the dally balance for each day of the current biting cycle, we take the beginning balance for each festun, add any new tanmctions or other debits (including free, unpaid Nuance charges and other charges), subtract any payment or credits, and make other adjustments. transactions are added a of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later dale of our choice (excpt 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 data they are posted to your account, or the last day of the billing cycle. This owns us that day's daily balance. A credit balance is treated as a balance of zero. 11 a daily periodic are applies to any feature, we multiply the daily balance by the daily parodic rate to get your periodic francs charges for Net day. We than add thaw periodic from charges to your doily balance to get the booming balance for the neat day. (It more than one daily periodic me could apply based on Ne average daily balance, we will use the daily periodic rate great applies for the avenge daily balance amount at the and of the billing cycle to calculate the daily periodic fnarNe charge each day.) To get your total periodic francs charge lot a billing cycle when a daily periodic rate(s) apples, we add all of the defy periodic finance changes for all features. To debrmine an average daily balance, we add your daily balances and divide by the number of the days in me applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days In the Applicable billing cycle(s), and than add all of the results together, the total will also equal the periodic finance charges for the baling cycle, except for minorvarlations due to rounding. To get your total periodic Intends charge for a Ming cycle when a monthly periodic rate(s) applies, multiply the average dally balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor vadatioru due to rounding. Ghee Period (al least 20 days): We accrue periodic final charges on a transaction, fail, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges o new purchases baled during a billing cycle if we receive both payment of your New Balance on your current statement by the date and fine your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance tral lea, cash advances, check transactions, or overdraft advances. he addition. If thew Is a'042111 M Promotional Ftaaell section on this stetensol, you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Oualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your Payment is due. However, it your statement shows that a minimum payment is due, we must rxeiw At least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of qualifying Promotional Financing balances. Also, for some Owlifying Promotional Financing balances, parodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is named toes "deferred Intiml If a deterred interest qualifying Promotional Financing balance is ml pad in full by the applicable Expiration Date, the deferred f rence charges will be added to your account as soon as the flat day after the Expiration Date. Further, if you default wider the terms of your Cardmember Agreement the defened finance charges will be added to your account as soon as the date of default. BIIUNG RIGHTS SUMMARY M Caw of Eased or gasoline Abed Your Nil: It you think your bill is wrong, orif you need more information about s transaction on your big, write Cardmember Sel on a separate shoot at P.O. Box 15299 Wilmington, DE 19850-5299 an soon a passible. We must hear It= you no later man 60 days after we sent you the fiat bill o which the error or problem appeared. You can telephone us, but doing sip will not preserve your rights. In your letter, give us the following Information. Your time and account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an enor. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are Irani gating, but you are sell obligated to pay the pars of your bill that are not in qurtlo. While we investlgale your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay yourcradit card bill automatics y from your savings or chadieng amount, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or cell (using the Cardmember SeMceaddress or talphonr number shown on this statement) must reach us at local three business days before the automatic Payment is scheduled to omur. Special Role for Credit Cord Purchases: If you have a problem with the quality of goods or services gel you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the gods or service. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. Thus limitations do not apply If we over or operate the merchant, or If we mailed you the advertisement for the property or services. MA021207 https://instantimage.bankone.net/Star/jsp/Printt)irectly.jsp 11/13/2007 Page 1 of 6 Statement for account number: 4268 9020 1968 7043 New Balance Payment Due Dale Peet Due Amount Minimum Payment ° Z REWARDS' $1,020.58 10/23107 $115.00 $194.58 r""7 vier R u Mane your check payable to Chao Card Services. Amount Enclosed $ New add= or a-mall? Print an back. 426690201968704300019458001020580000000 28811 eEX 9 27107 C MRS CAROL S KELLEY 510 WOODCREST DR MECHANICSBURG PA 17050-5808 Irrrlllrllrlrrlrlrrlr.Ilrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19586-6163 1:5000160 281: 18t.2019687O1.35v Openirhg/Cbsirig Date: W29/07. 09/28107 CUSTOMER SERVICE y? _wrW Payment Due Date: Y w REWARDS' Minimum Payment Due: u•• ?? v 1N23/07 In U.S. 1-900-300.8575 $194.55 Ana 1-888 448.9308 TDD 1-SOD-9558050 Pay by phone 1.800-436.7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 42SS9g2019SS7043 1.302.5948200 Previous Balance $071.64 Total Credit Una $1,000 ACCOUNT INQUIRIES P O Box Ism Purchases, Cash, Debits +$28.00 AvaNable Credit . . Wilmington DE 198545298 Finance Charges +$20.94 Cash Access Line , 5200 New Balance t,o2o.6a Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198855153 VISIT US AT: h Mdi www.c ase.co anev 4 Its fast. FREE and aecurel • Pay your bill 5 much more. 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 gat beck on track. Call 1-WO.955-8030 (collect 1-302-5948200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. The new APR and promotional rate expiration reflected on this alabment is a result of a late payment on your account. For your convenience, you can always pay online by accessing our webare displayed on this statement. DISNEY DREAM REWARD DOLLARSO Please cell NO.300-0.575 to redeem your Balance from last statement 0 Disney Rewande® or if you have any questions Reward dollars arced from net purchases 0 about the Disney Rewards® Program. Reward dollars transferred to Rewards Card 0 Remaining balance 0 Cardmernbar ID: 1 41 58M 9 0 Use your Cardrnember ID for special 6 Reward dollars to expire on statement date In July 2011 Ind ted-time promotions such as Refer A Friend. Your account is peel due, therefore rewards earned this period have not been posted to your account. Please make the minimum payment due Immediately to avoid forfefWre of rewards. The tome and conditions of the Disney Rewards® Program apply to the use of Disney Dream Reward Dollara® and may be modified by Chase or Disney Rewards, LLC at any time. Your account must remain in good standing to earn or request redemption of Disney Dream Reward Dollars. Disney Dream Reward Dollars am non-tranelerable, have no cash or monetary value and cannot be used towards payment at unauthorized locations and payment of an outstanding balance on your Disney Rewards® Visa@ Card. Please call 1-804300.8575 to request that your Disney Dream Reward Dollars be transferred to a Rewards Card or If you have any questions about the Disney Rewards Program. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Deecnption Credit Debit 09124 LATE F .00 x OOO0001 RS Xo6 C 1 000 Y 9 28 07M928 Pees -,12 09272 r MA 29917 2711-1701 https,.//instantimage.bankone.net/Star/jsp/Printt)irectly.jsp 1 . EXHIBIT 2 -now 11/13/2007 Page 2 of 6 Address Change Request Please provide information below only if the addreae information on front is incorrect. Street Address: City: State. ZZp: Home Phone: Work Phone: E-mail Address: L Information About Your Account Lost or Moles Cmk: Please report your lost or stolen card immediately by calling eu Customer Serves number found on the from of your statement. Advium are always available to assist you. You can mach an Advisor by pressing 0 afteryou enteryour amount number. CnlRiay of Payments: For payments by regular U.S. mail, send at least yourminnum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money ocher, payable in U.S. Dollars, and drawn an or payable through a U.S. flnmdal institution or the U.S. branch of a foreign financial estilutim. Do rot send ash. Write your amount number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; me envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment . If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. Ideal time at our pat office box designated for payments on this statement, we will credit the payment to your account as of mat day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. [out time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone Service, Customer Service advisors, or our web site will ba subject to any processing limes disclosed for those payments. Account Information Reported to Credit gunaos: We may report information about your account to credit burwus. Late payments, mined payments or other eofaults on your account may be reelected in your credit report . If you mink we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. None About Electronic Check Cawraiot: When you provide a check as payment, you authorlte ua either to use Information from your check fo make a one-time electronic fund transfer from your amount or to process the payment as a check trareaclion . When we use information from your check to make an electronic fund transfer, funds may be wltlWnwn frwn your account as soon as the same day we mature your payment, are you will not receive your check back from yaw financial institution. Call the customer service number an this Setemmt if you have questions about electronic deck collecfion or do not want your payments collected electronically, Conditional Paymnabl: Any payment check or other form of payment mat you send as for less than the full balance due that is marked "paid in full" or contains a Similar notation, or that you otherwise (enter in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850.5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at my other address, we may accept the check and you will 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 thetyou make should be sent to the appropriate payment address. Anted Rawil Noticr, If your account has an annual fu, it will be billed Such year or in monthly intallments, whether or not you eau your account, and you agrea to pay it when billed. The annual in is non-refmdable unless you nofi y us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment or the annual fee don not affect our fights to clue your account and to limit your right to make transactions on your account. If your account is cloud by you or ua, we will continue to charge the annual tee until you pay your outstanding balance in full and terminate your Amount mialonshlp. Explaontim of Few Charges: We calculate periodic Nuance charges , using the applicable periodic nth shorn on this statement, separately for Such future (e.g., balance tnnsfor/convenience checks and cash advance checks ("check transaction"), purchi balance transient, cash advances, promotional balances or overdraft advances). These calculations may combine differmt categories with the ume daily periodic in If then is a "v" next to a periodic rate on this statement, that mte may vary, are the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. Then is a minimum finance charge in my billing cycle in which you owe any periodic finance charges, and a transaction finance charge for path balance transfer, cash advance, or check trmsacion, in the amounts stated in your Cardmember Agreement, as amended. To get the dairy balance for Such day of the current billing cycle, we take the beginning balance for inch future, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transudons are added a of the transaction date, the begiming or the billing cycle in which they are posted to your account, or a later date of our choice (except that check tramsctians an added as of the date deposited by the payee or a later date of our choice). Fen are added either on the date of a related transaction, the 7 date they are posted to your account, or the last day of the billing cycle. This gives a that day's daily balance. A "edit balance is treated as a balance of zero. II a daily periodic rate applies to my feature, we mulbpy the daily balance by the dally periodic rate to get your periodic finance charges for that day We men add thus periodic Nuance charges to your dairy balance to get the beginning balance forme nut day. (g moresun one dally periodic .to could apply based on the e.g. avdaily balance, we will use the daily periodic rata that applies for the avenge daily balance amount at the and of the bilfing cycle to calculate the dairy periodic finance charge Such day.) To get yaw total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charge for all features. To determine an average daily balms, we add your daily balances and dives by the number of the days in the applicable ailing cycle(s). If you multiply the average day balance for each feature by the applicable daily periodic rate, and men multiply uch of these results by the number of days th the applicable billing cycle(s), and thin add 911 of the results together, the total will able equal the periodic finance durges for the billing cycle, except for minorvarietions due to rounding. To get your total periodic chance charge for a billing cyde when a monthly periodic rate(s) applies, multiply the average dally balance tot each future by the applicable monthly periodic are and add the results together. The total will equal the periodic fiance charge for the billing cycle, accept for minor variations due to rounding. Grace Period (Il least 21 dolls): We accrue periodic finance charges on a transaction, fee, or finance charge from the data it is added to your dairy balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle N we 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 data and time your payment me due. There is no grace period for balance transient, cash advances, check Transactions, or overdraft advances. to addition, it there is a "qualifying Prominent Romping' section on this :""neat you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new PurctesSu whin your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing suction, pay your full New Balance minus the total of thou Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we mat receive at lout that minimum payment by the date and tlme specified on your statement even if your New Balance conaiStS only of Qualifying Promotional Financing bolamcu, Also, for some Oualiying Promotional Financing balance, periodic finance charges awrua during the promotional paned but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This Is referred to en "deferred interest." If a deferred Interest Qualifying Promotioml Financing balance is not pad in full by the applicable Expiration Date, the deferred finance charges will be added to your account as um as the first day after the Expiration Date. Further, if you default under the terms of your Cardin ember Agreement, the deterred finance charges will be added to your eaoud as soon AS the date of default. NILLING RIGHTS SUMMARY to Can or Enos or Gnaltns Ahead Yom MIb It you think your bill is wrong, or If you need more Information about a transaction on your bill, write Cardmember Service on a Separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as aeon an possible. We must bur from you no later than 80 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give a the following Information. -Your name and account number • The dollar amount of the suspected error • Describe the error ail explain, if you cm, why you believe there is an error. If you need more informadm, describe the item you are unsure about. You do not have to pry my amount in question whale we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to called the amount you question. If you have authorized us to pay your credit card bill Automatically from your savings or dackkhg account, you can stop the payment on my amount you think is wrong. To stop me Daymant your loner or call (ping the Cardmember Service address or telephone number shown on this statement) must much es at lust three business days before the automatic payment is scheduled to occur. Special Rile for Credit Care PaeAesar. If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to cared the problem with the merchant, you may not have to pay de remaining amount due on the goods or services. You have this protection only when the purchase price wit mom than $50 and the purchase was made in your home see or within 100 meal of your mailing addren. Thus limitations do not apply If we oven or operate the merchant or it we mailed you the advertisement for the property or services. MA021207 https,.//instantimage.bankone.net/Star/jsp/Printr)irectly.jsp 11/13/2007 Page 4 of 6 OpeninglCfoeing Date: 0812W07. 09128/07 Account Number. 4288 9020 1968 7043 Page 2 of 2 FINANCE CHARGES Finance Charge Daily Periodic Rate Cornesp. Average Daily Due To Transac8on Accumulated FINANCE Category 31 days In cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .068424.99% $988.20 $20.94 $0.00 50.00 $20.94 Cash advances .06847% 24.99% SOHO $0.00 $0.00 WOO $0.00 Total finance charges $20.94 Effective Annual Percentage Rate (APR): 24.99% 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 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 - mpreeeed as a percentage. X 0000001 FIS=G C 4 000 Y 6 26 07rOW24 P4ao 2 d 2 06272 MA MA 20617 27110000010002ea1702 https://instantimage.bankone.net/Star/jsp/Printbirectly.jsp 11/13/2007 Page 1 of 2 Statement for account number: 4147 2020 2432 9225 New Balance Payment Due Date Past Due Amount Minimum Payment $4,934.49 10/15107 $285.00 $496.00 Mace your cheek =able to Chase Card Services. Amount Enclosed $ New address, or a-rosin Rini on back. CHASE D 414720202432622300049600004934490000004 0119.6IX 928107 D CAROL KELLEY 510 WOODCREST DR MECHANICSBURG PA 17050.6808 IrrrIILLJrrlrlrrLJlrrrlJrrrdl,Llrrr11A.1 rrr11,11h.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-6163 1:5000 160 261: 374202432622313w OperknglClosing Date: 08119107-04/18/07 CUSTOM ER SERVICE CHASED Payment Due Date: 10/15/07 In U.S. 1.800-946-2000 Espanol 1-888.448.3308 TOO 1-800-955-8060 Pay by phone 1.800.436-7958 Outside U.S. call collect Minimum Payment Cue for Credit Access Una $211.00 1-302-6948200 Past Due Amount $286.00 ACCOUNT INOUIRIES Total Minimum Payment Due $496.00 P.O. Box 15295 Wdmington, DE 19550-5298 PAYMENT ADDRESS VISA SIGNATURE SUMMARY Account Number: 4147 2020 2432 SIM P.O. Box 15153 Previous Balance $4,772.20 Credit Access Line $6,000 Wilmington, DE 19886-6163 Purchases, Cash, Debits +$39.00 Available Credit $66 VISIT US AT: Finance Charges +$123.29 Cash Access Une $1,000 wwworrase.oornrcreditcards New Balance $4,934.49 Available for Cash $0 Your credit card account is past due. Please send payment immediately. Call 1.800-955.8030 (collect 1-302-594.8200) today. Your account Is closed. Please continue to make monthly payments by the due date until your balance is paid in full. FLEXIBLE REWARDS SUMMARY To redeem your Flexible Rawarda points, call Previous points balance 651 1-NO-603-2255, or log on to Points earned on purchases this period 0 www.chaee.ocMCreditcarde for 24-hour access New total points balance 0 to your rewards program. Total pants unavailable for redemption 651 661 Pointe to expire on statement on or alter AUGUST, 2012 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/12 LATE FEE $39.00 FINANCE CHARGES Finance Charge Dally Periodic Rate Correep. Average Deity Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .082161/ 29.99% $724.82 $18.46 $0.00 50.00 $18.48 Cash advances V .08216°/6 29.99°% $453.77 $11.86 $0.00 $0.00 $11.56 Balance transfe r V .08216°% 29.9916 $3,661.71 $93.27 $O,OO $0,00 593,27 Total finance charges $123.29 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation meewd, 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 - Inoluding transaction fees such as cash advance and balance transfer fees - mpreased ae a percentage. X,'090001 FISM335D7 000 Y 9 13 0-a Pee.1 d1 06886 MAMA01194 Za1100aW70309118.e1 https*.//instantimage.bankone.net/Star/jsp/Printbirectly.jsp EXHIB11 11/13/2007 Page 2 of 2 Address Change Request Please provide information below only if the addresses information on front is inoonect. Street Address: ______________________ City: -- State: _- ZIP. Home Phone: -- Work Phone: E-mail Addreae: L Information Ahal Year Aneont Last W Stolon Carle: Please report your lost or stolen card immediately by ailing the Customer Service number found on the front of your statement. Advisors are always available to assist you. You an reach an Advisor by pressing 0 afar you enter your amount number. CnNttB W Payment: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, 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 U.S. branch of a foreign financial x4tin Lion. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon: and there can be no staples , paper dips tape or correspondence included win your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 On local time of our post office box designated forpsym a on this statement we will credit the payment lap your account as of that day. It your payment is in accordance with our payment instructions, but is made avellable to us after 1:00 pm. local time at our post office box designated for payments fill this sentiment, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular V& mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for blase payments. Ali Information Reported to Credit Banana: We may report information about your account to credit burnous. Late payments, mined payment or other detaW4 on your account may be reflected in your credit report. If you think We have reported inaccurate information to a credit bureau, you may write to us at the Cardmamber Service address listed on your billing statement. Notic About Electronic Cheek Co ivanion: When you provide a check as payment you authorize a either to no information from your dlack n make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an elKtronic fund transfer, funds may be Withdrawn from your account as soon as the we day we receive your payment and you will not receive your check back from your financial institution. Cal the customer service number on this statement if you have queshem about electronic check collection or do not want your payments collected electronically. Conditional "into: Any payment check or other form of payment rat you send us for less than the full balance due that is marked -paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount must be snt to Gm Servku, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding thes. payments (e.g., if it is determined there is no valid dispute or it any such check is received at any other address, we may accept the chadn and you will still owe any remaining balance). We may refuse to accept arty such payment by returning it to you, not cashing it or destroying it. AM other payments that you make should be sent to the appropriate payment address. Asocial Ramat Natim: It your account has an aural In, It will be billed web year or in monthly installments whether or not you use your account, end you agree to pay it when billed. The annual In is roph-'shandatils wine you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annul In is charged and at the same time, you pay your outstanding balance in full. Your payment Of the annul tee does not affect our rights to dose your account and to limit your right to make transactions on your account. It your account is closed by you or us, we Wlg continue to charge the annual tee unit you Day your outstanding balance in full and terminate your account relationship. Eghnatin of Fton.a. Charges: We calculate periodic finance charges, using the applicable periodic rats shown on this statsmmt separately for inch future (e.g., balance tfarutr7coninumence checks arM cash advance checks ("check transi coon ), purchases, balance transfers, cash advance, promotional balance or overdraft advances). Those calculations may combine dgtrmt categories with IN same daily periodic rates. If there is a "V" next to a periodic rate on this statement gat rate may very, and the index and margin used la determine that rate and its corresponding APR are described in your Cardmamber Agreement as amanded. There is a minimum finance charge in any billing cycle in which you two any periodic finance charge, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmamber Agreements as amended. To get the dry balance for each day of the current billing cycle. We take the beginning balance for udn future, add any new tranuctiona or other debits (including fees, unpaid Ancona durges and other charges), subtract any payments or credits, and make other adjustments. Tranncgans are added as of the tranaction date, the beginning of the billing cycle in which they are posted to your account, or a later dale of our choice (except that check tranudions 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 they are posted to your account, or the last day of the billing cycle, This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multipy, the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add that periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one dally periodic rile could apply based on the average daily balance, we will we the daily periodic ran met applies for the avenge daily balance amount at the and of the billing cycle to calculate the daily periodic finance charge each day.) To get you total DeriOdic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an avenge daily balance, we add your daily balances and dNide by the number of the days in the applicable billing cycle(s). It you mulgply the avenge daily balance for each feature by the applicable daily periodic rate, and then mullipy each of then results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvarttio s due to rounding. To get your total periodic finance charge for a baling cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. One. Period (at least 20 lays): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your dairy balance until payment in fun is received on your account However, we do not charge periodic finance charges on new purchum billed during a billing cycle it We receive both payment of your New Balance on your current statement by the date and time your payment is den and also payment of your New Balance on your previous statement by the dateand tmeyourpsymem was due. There is no grace period for balance transfers, cash advancu, check transactions, or Overdraft advances. In addition, it then is a "Oooliyiq Promotional Fiaaaciol" sudden on this ehlement, you will not incur periodic finance charges on any Remaining Balance that spouts in that section if you pay that balance in lug by the applicable Expiration Date, To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at lest that minimum payment by the date and More specified on your statement, wen if your New Balance consists only of Qualifying Promotional Financing balance. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrus during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This Is refund to as 'deferred Interest." It a deferred Intoner Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges Will be added to your account a soon as me first day after the Expiration Date. Further, if you default under the firms of your Cardmamber Agreement, the deferred finance charges will be added to your account as non as the date of default. BILLING RIGHTS SUMMARY In Can W Eeom or Boolbns About Year Bill: If you mink your bgl is wrong, or If you need more information about a transaction an your big, write Cardin ember Service on a separate shut at P.O. Box 15299 Wilmington, DE 19850-5299 as soon es possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give a the following Information. Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe mere is an error. If you need more information, describe the item you an unsure about. You do not have to pay any, amount in gwetion while we are Investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings of checking amount you can stop the payment on any amount you think is wrong. To stop the payment your letter or all (wing the Cardmamber Service address or telephone number shown on this statement) must ruch use at last three business days before the automatic paymml is scheduled to occur. Sl.afal Role Ion Credit Cara Purchases: If you have a problem with the quality, of goods or servicas mat you purchaed with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may rapt hots to pay the remaining amount du on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply If we on or operate the merchant or it we mailed you the advertisement for the property or services. MA021207 https-.//instantimage.bankone.net/Star/jsp/Printt)irectly.jsp 11/13/2007 Page 1 of 2 Statement for account number: 4147 202014881140 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O ?.- '( ?'•\' $6,274.78 10127/07 $794.00 $1,233.78 Make your check payable to Cnar Card Services. Amount Enclosed $ New address or e-mall? Print on beck. 414720201468114000123378008274780000005 033N BE 9275c7D L Jll l L l l L 11 J l 1 1 l l 11 ll li l CAROL S KELLEY . r r. r r r. . . r . l... . . ... rr r rrr rr rr 510 WOODCREST DR CARDMEMBER SERVICE MECHANICSBURG PA 17050-6808 PO BOX 15153 Lrr111rrr111rlrrlrlrll.rrrllulullllwLrLlrr1116...hill WILMINGTON DE 1988&5153 1:5000160281: 3 74 20 1468 i 140 7111 Opening/Closing Date: 09/QY07. 10/02/07 CUSTOMER SERVICE CHASED Payment Due Date: 10127107 In U.S. 1.800945-2000 Espaflol 1-866-446-3308 TDD 1-800985-6060 Pay by phone 1-800.43&7858 Outside U.S. call collect Minimum Payment Due for Credit Access Line $165.00 1.302.1194-8200 Payment Due for Balance Over Credit Access Lim $274.78 ACCOUNT INQUIRIES Past Due Amount $794.00 P.O. Box 15296 Total Minimum Payment Due $1,233.76 Wilmington, DE 19850-5298 PAYMENT ADDRESS P.O. Box 15153 VISA SIGNATURE SUMMARY Account Number: 4147 2020 1460 1140 Wilmington, DE 19886.5163 Previous Balance $8,235.78 Credit Access Line $8,000 VISIT US AT: Purchases, Cash, Debits +$39.00 Available Credit $0 www.chase.coWoreditcarda New Balance $6,274.78 Cash Access Line $8,000 Available for cash $0 The charge privileges on your credit card account have been revoked . You no longer have Ore ability to use your credit card account for purchases. We can help you get back on track. Call 1-800.965.8030 (collect 1.302-5948200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. CEAV 1"'I FLEXIBLE REWARDS SUMMARY redeem your Flexible Rewards points, call Previous points balance 0 1-800-603-2265, or log on to Points earned on purchases this period 0 www.chase.cornioredikarde for 24-hour access New total points balance 0 to your rewards program. Total points unavailable for redemption 1,670 1.122 Points to expire on statement on or after DECEMBER, 2010 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/27 LA E .00 FINANCE CHARGES Finance Charge Daily Periodic Rate Coneep. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .00000°/, 0.00% $564.55 $0.00 $0.00 $0.00 50.00 Cash advances .00000% 0.00% $2,104.24 $0.00 $0.00 $0,00 $0,00 Balance transfer .00000% 0.001/6 $5,574.75 $0.00 $0.00 $0,00 $0.00 Total finance charges $000 Effective Annual Percentage Rota (APR): 0.00% Please see Information About Your Account section for balance computation medxxi, grace period, and other important information. The Correeporldklg 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 feast - expressed as a percentage. X 0000001 FIS33336 0 10 Doc Y 6 02 07/1=2 Pepe 1 m 1 odes. MA MA 03346 276te ep01000003 01 https://instantimage.bankone.net/Star/jsp/Printr)irectly.jsp 11/13/2007 Page 2 of 2 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: --- city: ------- Stets -- Zip: ----- --- Home Phone: --- --- _ Work Phone: --- --- _ E-mail Address: L Mishandles Ahaat Year Aaonat Lort a:taas Carty: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your atatemem. Advisore are always available to uslst you. You can reach an Advisor by pressing 0 after you enter your amount number. Crediting of Payments: For payments by regular U.S. mail, send at least yourminnum payment due to our post office box designated for payments shown on Mils statement. Your payments by mail must comply wBh the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn m or payable through a U.S. financial instru8on or Me U .S. broth of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or Coupon; and there can be no staple, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated forpayments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance seen our payment Instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this sournant we will credit it to your account as of the next day. If you a not folow our payment instructions or if your payment is not sent by regular U.S. mail to cur post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments mode electronically through our automated Wephone arVI09, Customer Service advisors, or our web site will be subject to any processing lima disclosed for rime payments. Acceaa lot " ism R ralki to Credit Burl We may report information about your account to credit burnous. Late payment, mined payments or other defaults on your account may be rNlsctsd in your credit report. If you think we have reported Inaccurate informnforl a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notion Abed Electronic Clients Commies: When you provide a check ea payment, you authonie sea either to use Information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check tranaacto n. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we move your payment and you will not receive your check back from your Joel Institution. Call the customer service number on this statement if you have questions about secaonic check Collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance des that is marked "paid in full' or contains a similar notation, or that you otherwese lender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e g., if it is determined there is n; valid dispute or it Cory such check is received at my other address, we may accept the check and you MAI still owe any remaining balance). We may refuse to accept arty such payment by returning it It you, not cashing it or destroying it. AN other payments that you make should be sent to the appropriate payment address. AeeW Renewal Ideal If your amount has an annual fee, it will be billed each year or in monthly instalh orks, whether or not you use your account, and you agree to pay it when billed. The anal fee is non-refundable unless you notlly a that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to coke your account and to limit your right to make transactions on your account. If your Account is dosed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in [ON and terminate your account rWtionship. Explimul M Fionesa Charger- We calculate periodic finance charge, using the applicable periodic rate shown on this statement, separately for such future (e.g., bounce transfer/comvenlence checks and cash advance checks ("check transaction'), purchases, balmce trmsfere, cash advanca, promotional bslanca or overfill advances). Thee celculdons may combine different categories with the same daily periodic rata. If there is a "v" next to a periodic ran on this stator ent Out ram may very, and the indu and margin used to datermine gilt rate and its corresponding APR are described in your CaMmenter Agreement, as amended. Them is a minimum Anence charge in any billing cycle in which you owe arry periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or Check. transaction, in the amounts stated in your Cardmember Agreement, as amended. To got the daily balance for each dry of the current billing cycle, we lake the beginning balance for each fenmre, add any new transactions or other debits (Including fee, unpaid finance Charge and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, 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 a of the doe deposited by the payee or a last date of our choice). Fees are added either on the date of a totaled transaction, the -1 date they are posted to your account, or the last day of the billing cycle. This gives a that day's daily balance. A credit balance is treated as a balance of zero. II a daily periodic rate applies s my feature, we multiply the daily balance by the daily periodic rate to get your periodic Anance charges for that day. We than add these periodic finance charges to your daily balance to gel the beginning balance for the next day. (If more than one dally periodic rate could apply based on the avenge dairy balance , we soul use the daily periodc ran that applies for the Avenge daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for A billing cycle when a airy periodic rate(s) applies, we add all of the ally periodic finmroe charges forati features. To determine an avenge dally balance, we add your airy balances and divide by the number of the days in the applicable billing cyda(s). If you multiply the Average airy balance for each feature by the applicable daily periodic rats, and then multiply each of time results by the number of days In the applicable billing cycle(s), and Men add Coq of the multi together, the total will also equal the periodic finance charges for the billing cycle, except for minorvanations due to rounding. To get your total periodc filunce charge for a billing cycle when a monthly periodic ratios) applies, multiply the avenge daily balance fo each future by the applicable monthly periodic rate and add the routs together. The total will equal the periodic final charges for Me billing cycle, except for minor variations des to rounding. Greek Pedal (at least 20 top): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your duty balance until payment in full is received on your account. However, we do not charge periodic finance cargea on new purchases billed during a billing cycle 0 we 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 date and time your payment was due, Then is no grace period for balance trosters, cash advance, check transactions, or overdraft advances. In addition, if then Is a'Omblyieg Pretentioonl Financing' section as Wr wWomeaL you will not incur periodic finance charges on any Remaining Balance gut appears in that section g you pay that balance in full by Me applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balmce(s) in the Qualifying Promotional Financing sector, pay your full New Balance minus the total of those Remaining Balmce(s) by the date and time your payment is des. However, if your stmmn or shows Met a minimum payment is due, we must receive at lout that minimum payment by the date and time specified on your statsment term it your New Balance consists only of Oahlying Promotional Financing balances. Also, for same Ouslilymg Promotional Financing balances, periodic finance charges accrue during the promotional peed but are not added to your account balance. Instead. May eccumulas from billing cycle to billing cycle. This is referred to as "deferred Interest." If a deferred Interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Dan, the deferred finance charges will be added to your amount an soon as the first day after the Expiration Date. Further. if you default under the terms of your Curti ember Agreement, the deferred finance charges will be add ad to your amount a soon a the date of default. BILLING RIGHT: SUMMARY Is Can a Errors a (headline ABOa Year Bill: If you think your bill is wrong, or If you rued more Information about a trmsactlon on your bill, wine Cordmamber Service on a separate shut at P.0. Box 15299 Wilmington, DE 19050-5299 a soon ea possible. We must hear from you no later Man 60 days after we sent you the Net bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following Information. • Your we and account number • The dollar amount of the suspected error • Describe the arrorand eaplaln, if you can, why you believe there is an error. If you need more Information, describe the item you are unsure about. You do not have to pay any amount In question while we are Imatlgadng, but you are still obligated to pay the parts of your bill that are not in question . While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorised us to pay your credit card bill automatically from your sayings or checking amount, you can stop the payment on any amount you think is wrong. To stop the payment your letter or all (using the CaMmember SeMCe address or telephone number shown on this statement) must reach us at lust three business days before the automatic payment is scheduled to occur. Saeaial Role tar Credit Care Parallel If you have a problem with the quality of goods or semi Nut you punhaed with a credit and (excluding purchases made with a check), and you have tried in good faith to corect the problem with the mordant, you may not have to pay the remalring amount due on the goods or service. You have this protection only when Me purchase price was more than $50 and the purchase was made In your home state or within 100 miles of your mailing address. Thus limitations do not apply If we own or operas the merchant or if we mailed you the advertisement for the property or services. MA021207 https*.//instantimage.bankone.net/Star/jsp/Printr)irectly.jsp 11/13/2007 Page 1 of 2 S7 ! _1 Statement for amount number: 4147 20201894 3191 New Balance Payment Due Dale Past Due Amount Minimum Payment $5,526.08 10/17/87 $328.00 $560.00 Amount Enclosed Make your check payable to Chun Card 8enricae. $ New address or wmaV Rini on back. CHASE O ?` wq 414720201884319100056000005526080000008 00221 9Ex 9 x5010 CAROL S KELLEY 510 WOODCREST DR MECHANICSBURG PA 17060-8808 I...III.1..hill IL.1..11.1.111....II II.1.1.11..111...111.11..1 CARDMEMBER SERVICE PO BOX 16163 WILMINGTON DE 19886.6153 1:50001r.0281: 37L.201884319011' OpeningrCbeing Date: 08/23107.09/22/07 CUSTOMER SERVICE CHASE O Payment Due Date: 10/17107 In U.S. 1.800-946-2000 Espafiol 1-888-4463308 TOD 1-800-965-8080 Pay by phone 1-800.4367958 Outside U.S. call collect Minimum Payment Due for Credit Access Line $232.00 1-302-694.8200 Past Due Amount $328.00 ACCOUNT INOUIRIES Total Minimum Payment Due 80.00 P.O. Box 16298 Wilmington, DE 19850.5298 PAYMENT ADDRESS VISA SIGNATURE SUMMARY Account Number: 4147 2020 1684 3191 P.O. Box 15153 Previous Balance $6,348.91 Credit Access Une Wilmington, DE 198866153 $5,700 purchases, Cash, Debits +$39.00 Available Credit $173 VISIT US AT: Finance Charges +$138.17 Cash Access Line $1,140 www.chase.conl/credilcards New Balance $5,526.08 Available for Cash $0 Your credit card account is past due. Please send payment immediately. Cell 1-800-955-8030 (collect 1.302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date unlit your balance is paid in full. FLEXIBLE REWARDS SUMMARY To redeem your Rattle Rewards points, call Previous points balance 1,141 1-800.603.2266, or leg on to Pointe earned on purchases this period 0 www.chase.eonVerediteards for 24-hour access New total points belence g to your rewards program. Total points unavailable for redemption 1,141 1,000 Points to expire on statement on or after APRIL, 2011 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/16 LATE f .00 FINANCE CHARGES Finance Charge Deity Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purcheseei V .08218°/ 29.99°/, $194.12 $4.95 $0.00 $0.1X1 $4.95 Cash advances V .08216% 29.99% $1,664.11 $38.84 $0.00 $0.00 $99.64 Convenience check V .08216% 29.990% S934.67 $23.81 $0.00 $0.00 $23.81 Balance transfer V .082161% 29.99°/, $2,731.27 $59.57 $0.00 $0.00 $59.57 Total finance charges $138.17 Effective Annual Percentage Rata (APR): 29.99% Please bee information About Your Amount 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 - inckding transaction leas such as cash advance and balance transfer fees - expressed as a percentage. X o=,o1 FISg335 DS 000 Y 9 22 -%A Peen t oft 05659 MA MA 03221 x4100000e00W322191 https-.//instantimage.bankone.net/Star/jsp/Printt)irectly.jsp EXHIBIT 5 11/13/2007 Page 2 of 2 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ______________ City: State: Zip. __-__ --- Home Phone: --_ ___ Work Phone: __- ___ _ E-mail Address: L lalermatin Akal Year Asset Lod or Slefon Cards: Please report your lost or stolen card immediately by Calling the Customer Samoa number found on the front of your statement. Advisors are always available to assist you. You an reach an Advisor by pressing 0 after you enter your amount number. Chilli of Payments: For payments by regular U.S. mail, send at lent your minimum payment duo to our post office box designated for payments shown an this statement. Your payments by mail must Campy with the instructions on this statement, and must be made by cheek or money order payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or de U.S. bmnch of a foreign financial iraffiution. Do not send Cash. Write your account number on your check or money order. Payments must be accompanied by to payment Coupon in the envelope provided with our address visible through to envelope window; the envelope annot Contain more then one payment or Coupon and tore can be no staples, paper dips, ape or correspondence included with your payment If your payment is in accundence, with our payment instructions and is made available to us on any de y except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account a of that day. If your payment is in accordance with our payment Instructions, but Is made available to us after 1:00 p.m. local time at our post office box designated for paymna on this statement we will credit it to your account as of the next day. If you do not follow our payment instructions or it your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone samus, Customer Service 8da4S,0m, or our web site will be subject to any processing lima disclosed for those payments. Accooal Information Reported to Credit Boman: We may report information about your account to credit bureaus. Late payments, missed Payments or other deaden on your Account may be reflected in your credit report. If you think we have reports Inaccurate Information to a credit bureau, you may write to us at the Cardmember Service address lists an your billing statemnl. Notes Ahnt Electrons Chink Conversion: When you provide a neck a payment. you authorize a5 wther to use information from your check to make a one-lme alectronic fund transfer from your amount or to process the payment as a check transaction. When we use information tram your check to make an electronic two transfer, funds may be withdrawn from your account u soon As the Same day we receive your payment, and you VAN not receive your check bad from your fmanciet insthugon. Call the customer service number n the statement if you have quadons about electronic check collection or do not want your payments collected eNctrunially. Conditional Payments: Any payment check or other form of payment that you send us for INS than the full balance due that is marked "paid in full* or Contains a Similar notation, or that you otherwise tender in full satshudon of a disputed amount, must De sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.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 shade and you will still owe any remaining balance). We may refuse to accept any such payment by returning D to you, not Cashing it or destroying it. All other payments that you make should be sent to vie appropriate payment address. AaaW Asowal Malice If your account has an annual fee, it was be bills each year or in monthly installments, whether or not you use your Account, red you agree to pay it when biped. The annual fee is han-retundable unless you notify us that you weir to due your account will 30 days of tai dam as mail your statement on which the annual IN is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee do. not affect our rights to dose your acaure and to limit your fight to make transactions on your account. If your account is dead by you or a, we will continue to charge the nnual fee untl you pay your outstanding balance in fug and terminate your amount relationship. Explanation of Fiona. Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each future (e.g., balance transer/convenience checks and cash advance checks ('check transaction'), purchases, balance therefore, cash advances, Promotional balances or overdmh advances). Those calculations may combine different Categories with the Same dairy periodic ratty. If there is a "V" next to a periodic rate on this statement, that rate may vary. Ed the index red margin used to determine that nteand its corresponding APR are described in your Cardmember Agreement, as amended, There is a minimum finance charge in my billing cycle in which you one any periodic finance charges, and a transaction finance charge for each balance transfer, Cash advance, or duck traneaction, in the amounts staled in your Cardmember Agreement ne amended. To get the dally balance for arch dry of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including tees, unpaid finance charges and other charges), subtract any payments or credits, red make other adjustments. Tmnsscfions are adds a of the transaction deta, the beginning of the billing cycle in which tlhey are posts to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the pates or a later date of our choice). Fees are added either on the data of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is heated as a balance of zero. If a daily periodic rate applies fo any feature, we multiply to daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add thus periodic finance dirges to your daily balance to got the beginning baance for the next day. (1f more then one dally pedodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to Calculate the daily periodic finance charge each day) To gel your total periodic Bnence charge for a billing cycle when a dairy periodic ate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your duly balances and divide by the number of the days in the applicable billing cycle(s). If you multiply to Avenge dairy balance for each feature by the applicable daily periodic rate, and then mWtiply ash of these results by the number of days in the applicable baling cycle(s), and then add as of the results together, the total will also equal the periodic stance charges for the billing cycle, except for minor varlatom due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic ate(s) applies, multiply the avenge daily balance for each false by the applicable monthly periodic rate and add the results together. The foal will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Once Period (at load 20 day): We accrue periodic finance durges on a tramection, fee, or finance charge from the data it is added to your dairy balance untl payment in full is received on your account. However, we do not charge periodic finance charges on new purchase billed during a billing cycle 0 we receive both payment of your New Balance on your current statement by the data and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. Then is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. IN addition, if than Is a'OsfifyNl Promotienal Financial" section on this stammeat, you will not incur periodic finance charges on any Remaining Balance that appears in that action if you pay that balance in full by the applicable Expiration Date. To avoid finance chargyes on new purchase when your New Balance includes err/ Remaining Balance(s) in the Qualifying Promotional Financing Becton, pay your full New Balance minus the teal of thou Remaining Balame(s) by the date and time your payment is dn. However, if your statement shown that a minimum payment is due, we must receive at Iaet that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional Period but are not added to your account balance, Instead, they accumulate ham billing cycle to billing cycle. This Is referred to as "deferred Interest.' If a deferred Internet Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, vie deferred finance dlarges will be added a your acaunt s scones the first day attar the Expiration Date. Further, if you default under the terms of your Cardin ember Agreement the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY Is Case Ad Ewen in Queotiso Agent Year Big: If you think your bill is wrong, or if you need more Information about a transaction on you bill, write Cardmember Service on a separate shat at P.O. Box 15299 Wilmington, DE 19850-5299 N Boon a possible, ft must her from you no later then 60 days ale we sam you the first bill on which tlo error or problem appeared. You an telephone us, but doing so will not preserve your rights. In your peter, give us the following Information. -Your name and mount number • The dollar amount of the Suspected error • Describe the error and explain, if you can, why you believe there Is an error. It you need mom information, describe the item you an unsure about You do not have to pry any amount in question while we are investigating, but you are still obligated a pay the parts of your bill that are not in Coupon. While we investigate your question, we Cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong To atop the payment, your letter or all (using the Cardmember Service address or telephone number shorn on this stsumenQ must reach us at lust three business days before the automatic payment is scheduled to occur. Spatial Role for Credit Card Purchases: If you hive a problem with the gusllty of goods or services that you purchased with a credit Card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the goods or service. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 cakes of your mailing address. These Initiations do not apply If we own or operate the merchant, or it we malted you the advertisement for the property or services. MA021207 https://instantimage.bankone.net/Star/jsp/PrintDirectly.jsp 11/13/2007 Page 1 of 2 statement for .xount number: 4288 8410 6460 6775 New Balance Payment Due Date Pest Due Announl Minimum Payment $7,815.05 10/22/07 $748.00 $904.00 Make your eMCk payable to Char Cara Services. Amount Enclosed $ New adorer a amaa7 Print on back. CHASE O ?i 426684106460677300090400007815050000001 021008"927607D 1 111 l l l l li I 1 1 11 1 1 ll l l li li l CAROL S KELLEY 11r 1 ar ra l a. rr r11 1 1rrr 1 1 rrr rl r rrr rr rr 510 WOODCREST DR MECHANICSBURG PA 17060.8808 CARDMEMBER SERVICE PO BOX 15153 L..IIIrr111L..rLLIlrrrdLlLdJI..JrJrrrdlllr... lull WILMINGTON DE 19888-6163 ,:5000 &6026,: 203 &064606773311• Opening/ log Dele: 09Po3t07. 10+02107 CUSTOMER SERVICE CHASE O M°n"artPay tD 00 men ue: Espaflol ;=643 08 TOO 1-800.955-8080 Pay by phone 1.8004367956 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4266 8410848011773 1.302-5948200 Previous Balance $7776.06 Total Credit Une $8,000 ACCOUNT INQUIRIES P OISM P O Box Purchases, Cash, Debits +$'39.00 Available Credit . . . DE $184 DE 19850-5298 Wilmin ton New Balance $7,81b.06 Cash Access Una g , $1,800 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19888.6163 VISR US AT: www.chase.c .creditoarda The charge privileges on your credit card account have been revoked. You no lager have the ability to use your credit cant account for purchases. We can help you get beck on track. Call 1-80D-956-WW (collect 1-302.694-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debt 09123 LATE .00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daly Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .00000°/ 0.009/6 $3.819.26 $0.00 $0.00 $0.00 $0.00 Cash advances .00000°/ 0.00% $0.00 50.00 $0,00 $0,00 $0.00 Balance transfe r .00000% 0.00% $3,989.79 SD.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 mallmd, grace period, and odrer 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. X p0pp001 FISooM D s Opp Y 9 M p7n- Peae 1 Ot t e5eee MA IM 02100 27510aD00Ba00a2100p1 https://instantimage.bankone.net/Star/jsp/Printbirectly.jsp E)W11311 11/13/2007 Page 2 of 2 Address Charge Requeat Pleeee provide information below only if the addreee information on front to incorrect. Street Adelman: --------------------- City: ------- State: -- Zip' ----- --- Home Phone: Work Phone: E-mail Address: L leterendso Abat Year Aloud Leo a States Cards: Pima report your Inat or stolen card immediately by calling the Customer Service number found on the front of your Statement. Advisers are always available to assist you. You an reach an Advisor by pressing 0 attar you enter your account number, Crediting as Paymaeas: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must compy with the instructions on this statement, and must be made by chock or money order, payable in U.S. Doltar, and drawn on or payable through a U.S. financial institution or the U.S. bench of a foreign Imanckl institution Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the ."elope cannot center more than one payment or coupe; and mere can be no staple, paper dips, tape or correspondence Included with your payment. If your payment is in accordance with our payment instructions and is made ..;,able to w on any day except December 25 by 1:D0 p.m. local time at our post office box designated forreaymems on this statement, Mw will credit the payment to your account AS of that day. If your payment in in accordance with our payment Instructions, but is made AVAildi to us after 1:00 p.m. local came at our post office box designated for payments on this statement, we will cndit h W your account as of the nut day. II you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post once box designated for payments, crediting of your payment MAY be delayed for up to 5 days. Peymna made dedronlcally through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Acc*NM IpformaUa Reported to Credit Banaus: We may report informelion about your account to credit bureaus. Lots payments, muted payments or other defaults on your account may be reflected in your credit report. If you tank we have reported inaccurate information to a credit bureau, you may write to w at the Cardmember Service address listed on your billing statement. Nmke About Electreak Check Cavenia: When you provide a check as payment you authorize w either to use Information from your check to make a one-time electronic fund transfer from your amount or to process the payment as a check transaction. When we use information from your check to make an electronic two transfer, funds may be withdrawn from your account t soon a the same day won receive your payment, and you seen not receive your check back from your financial institutor. Call the customer Samoa number on this Statement it you nave questions about aiActrenle check collection or do not want your payments Collected electronically. Conditional Paymeah; Any payment check or Omer form of payment that you send w for Its than the full balance dua that is marked "paid in lull" or contains a similar notation, or that you Otherwise tender in full satisacton of a disputed amount, mail be sent to Caro Service, P0. Box 15049, Wilmington, DE 19850-5049, We reserve all our rights regarding these payments (9.g., if it is determined there is no valid dispute or if any such check is received at any other address, Via may accept the check and you will 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 addret. Aaaal Rossi Notice: If your account has in annual fee, it will be billed each year or in monthly Installments, whether or not you use your account, nd you agree to pay it when billed The &Must fee it non-refundable unless you notify, a that you wean to close your Account within 30 days of the dots we mail your statement on which the annual fee is charged and al me same time, you pay your outstanding balance in full. Your payment of the annual fee dot not affect our ngnts to clsse your account and to limit your fight to make transactions on your account. It your account is dosed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in fug and terminate your account relationship. Explaalf.. Of Fiaaeae Cgrp.: We calculd. periodic finance charges using fro applicable penudk rates she- on this satemnt, separately for ten future (e.g., balance trader/co"emence checks and can advance checks ("check tansactim'), purchasee, balance transfers, cash Advances, promotional balances or owrdreH advances). Thus wouati.. may combine different categories with the Same daily periodic is. If there is a "V" next to a periodic rate on this salemenl, that rack may vary, and the indexand margin used redetermine that rat. and its correspom ing APR am, described in your Cardmember Agreement, AS amended There Is a minimum finance charge In Any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check tmsacticn, in the amounts stated in your Cardmember Agreement, t amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for ten feature, add my new transactions or other debits (including feu, unpaid finance charges and other charges), subtend any payments of credits, and make star adjustments. Transactions are added as of the transaction date, 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 an added as of the date deposited by the payee or a leer data of our choice). Fees are added either on the date of a related transacbon, the 7 data they are Posted to your account, or the last day of the billing cycle. This over a that day's daily balance. A credit balance is trested as a balance of zem. If a dairy periodic rate applies to any feature, we mullply the only balance by the daily periodic rate to get your periodic finance charges for that day. We men add these periodic finance charges to your daily balance to get the beginning balance for the neat day. (If more man one dally periodic rate could apply based on the average daily balance, we will we the daily Periodic rate that applies for me average daily balance amount at the and of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic Ones charge for a blNing cycle when a daily periodic rate(s) applies, we add all of the daily periodic fkwroe charges for at features. To determine amavange daily balance. we add your day distances and i ivids by the number of the days In the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and than multiply each of thus results by the number of drys in the applicable baling cycle(s), and men add aN of the rasults together, the tool will also equal the periodic fiance charges for the baling cycle, except for mirror variations due to rounding. To get your total periodic finance charge for a tilling cycle when a mor" periodic rebels) applies, multiply the avenge daily balance for each future by the applicable monthly periodic rate and Add the results together. The local will equal the periodic Manes charges for the baling cycle, except for minor wnadons due to rounding. Grace Pealed (at lead 20 dsya): We accrue perodie finance charges on a transaction, fee, or finance charge from the data it is added to your dairy balance until payment in full is received an your Account. However, we do not charge periodic finance charges on new purchases baled during a billing cycle if we 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 demand time your payment was due There is no grace period for balance transfers, each advisees , check transactions, or overdraft advances. In oddities, It flan is a "Ousliyi p Praatleal Financial" season on this datemeal, you will not incur periodic finance charges on my Remaining Balance Met Sodium in that section if you pry mat balance in full by the applicable Expiration Date. To told finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional I ancing section, pay your full New Balance minor the total of those Remaining Galt s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we mat receive at lust that minimum payment by the date and time spedfied on your statement even if your New Bakeries consists only of Owfilying Promotional Financing balances. Also, for Some Qualifying Promotional Financing balances, periodic finance charges amra during the Dromobonal period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referrad to n "deferred Internal" If a deferred Interest Qualifying Promotional Financing balance is not paid in fuck by the applicable Expiration Date, to deferred finance charges will be added to your account as soon as the first dry after the Expiration Date. Further, if you default under the arms of your Cardin ember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Can 44 Eesn Sr Oaes ions Alsort Year NIP. If you think your bill is wrong, or if you need more Information about a trmmiction on your bill, write Cardmember Service on a Manta sheet at P.O. Box 15299 Wilmington, DIE 19850-5299 u soon AS possible. We must hur from you no later than 60 days after we sere you the find bat on which the error or problem appeared. You cm telephone w, but doing se VAN not preserve your rights. In your letter, give w the following information. • Your name and Account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe mere is an error. If you need more information, describe the item you an unsure about. You do not have to pry any amount in question while we are investigating, but you are still obligated to pay the pans of your bill that are not in question. While we investigate your question, we cannot report you as dalinquant or take action to collect the amount you question. If you have allthOnZOd us to pay your credit card bill automatically from your savings or checking amount, you can stop the payment on any amount you thank is wrong. To stop the payment, your letter or Gall (wing the Cardmember Service address or telephone number shown on this statement) must reach us at lust three business days before the automate payment is scheduled to occur Special Rule far Credit Card Psrelmea: If you have a problem with the quality of goods ar semas that you purchased with a cradt card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your hone sate or within 100 miles of your mailing address. Thus limitations do not apply if we Own or operate the merchant or It we mailed you the advertisement for the property or Services. MA021207 https://instantimage.bankone.net/Star/jsp/Printbirectly.jsp 11/13/2007 CMA12M Gardmember AgreemeDg Ac:M5FrANCE OF;7%S A6AEINMT arno your rredrtcard Account Vi" or rOlaranca`d as t1 Cisd ce sr tier ctrl for Oil sCCVUaL A ry 00 or your aocumtk 1 averOutha k °gn°m? 7}nrs sgrrameatgav r¢a us to paY =adnimUW nt and kelp It fur poor Rcatds You Fdtotad. YOU preroka 10 plaan reed t1H entire ° ?° ea cFI°rges for and cherga yVnraeetuatitr 10 usnrsc6oas uw Year (artss co Orrm°aU [ ,P81i09 thee' and a respo w ply as for agttAOSacyroDS UUde on your or ""L of You, sbdiDi?Y if tlur d t,count. each is urnr is a )po From fl the :ccounl is used by aly you F.1 waroam '" a uedtt card when YOU rauive it You w3 be bound ?t v Pine= sign du bast of Y° ogee Fed by y )a ass Your acctua! r say ls?bound by>itm 01 Y. dVm tt UmVm w CNd.WWhaUeerYau use youraeeauti attAr nctirin9 your and and OaY °? aU csnctl Your account Ali& 3V days you ban not used your stzowt for say puMms° - -as- sad'aus' MOB fhraogbout this a9RSm°°k d?t word punt! tier wards yr. Vap , and garOOSS? mtsn and p the ?°f?bb for aa°'P N ?tm 06 waa?iddress 141 slse°'°°>? °s'nm9 ?o1' cards and the person whom Oro" forrhasccoerd tobsrabtaonthesCCOUAtTheward"ardraaA+ama PWs;O° who °•g?F?FA svCM u atd?trnt avm6am thel we have Issued to permit YOU or athorstrers to Obtain cndkUnder thispg?5w"L L lareely or USIti6 yDW AMUNT matial ad r be nsIgo, Your 5=010111t Is t CO? we s4 a or ki? 4r ukad byl _ree.ova jar is p DaersoneacCmtti YOU household p?°s. r use OF Vapor ia?arnst f vices purchased or loosed 1ftros-sco For roUgb m dOranOa• for Faertheadlsa at S° paomssA m rrss Beg sat mF plecesl b notw i)o dosporaibidY tO Mike sera thVte YOU Us mbling a" for permissible "I'set5nns- and You Wig ralaa1° C°spoasrb use Year sc wtY elan d It is rent psl;tisslb n ? b g t IRS=eclias types of'Fra,secdaus card to pry IN joa9Y Orsafelt tnfw atcag' cbrCks es a besuRm YON OW is, your Ish P1 Ws ow proms you to advance checks of tasa d adorehacks way to use Yobs sccma We oka rotor to them Is it& oresmSo ? ??stoyooraecauaL Yarn may asa a chest lupsy IN nods, or dw BI you may OX use OWN : to saasftr bwascas to the or for Other uses en agtw 8u1 Y° UWROAN: obis aeeaatnt from Oder attoratrs with us or ° r. a the cc?k Wsh adrsnCn Daily chucks vruceWhat, "NeirprbdedontheCheck MaY'g treeredetbttatue art to ebd is `aashs t"d is this gmaroeed or BOY make la you 1N° eery trier transfer emP chaos asbabo ne trmOier cheeks HamvavA4 t:hacks th atita the terms cheela "WA toff nafvaniencs at we tag cotaerdaact checks and thrt wt ladeabd L you era a sad fotcesbodvances,Malbon BtedeccashodvalwasasCSSSrdushadrsactRlss Nndleas °tyoronvytrarufer baianatkomDowateOeadserfoe Prow • Haletnx Dr tauterbDlascttrptrsf trey. esrieIsrFfetaFts n for bhiders b tfit raudms, tvmh ur or an B eft you a not transfer ss to ac uss ttmt ertr dwcoapts ulerwA s=eed yotm of out netj, ted c?aTM .1. portion a ponfon via s tFgln,stsd frelarteU TO tm "able evadable credit rem, vn may process a partial balance Im.& r up Yo trtdt 6O• gat cask Iran, atrmrnstc tad°r aoeclmnes, Or - Cask AdusOCrs Yea miry role your c: Ord tD to obtain trsvslaa -backs. foreign Iron ralarr-W inst>ittt?v,K accepting lit, card; or or to obtainla You currency.u°MY?°R•M°seuandsrsorsmil tha9arbtttu?glnasacdons beets, casbte goujuv chips. nc4 truck wt9 yz iff f O a la"Ber ottic biltts pRYm`'t :regyslsQ ese a thud ?Yri1vnce amt , e u wan N;:P - kbeg sccoualwiih ens Or our related Dnsrdrom Ademaceft A You hews to DONNE chac eeemrrd aMlb ov r dated bank it baula. YOU eatY rmf` oft account tt your e1r°skin9 Na of and CUver an If am ilid checking account under the Forth of this 111111 checking octoum agreement dt cafkd-bi6trg You we dvids drna into perio yage.Eacach living Clots e pr ? tF Dori" lhrnltOgih Tsraea ash NctwW TA year ateotml WIN have a bon cycle that aids In UlaIMtadL etabment it aeC1 Catsador month whether Or net share Is a bVing bl-rypg cyck ond'm9 tardmtbiamg cyds• ?` Aatberltad UNITS U yid brow sromaoas to ass YUVr teCOaOt< a that e P°toss'° b W"b b b e °° DO arrthmitaad Mr. M You should on? owing carBlak *NJ before slatting ?r as Pit con aNhatfrad tltr baeMat? I" Utaaras of Your accemd and EWA cad !used on your Yoe WE remain ra g r of this tgrt>!nunt M& tae °L Yaw sup17sibipty for Paying a dargas ect:ous nude by an saddot'aad oset Mil vno botanist YvU Mamyl9 as em s os Your am suderlred nor to your accOn thisregttesrst to additional card for use by FCC r,at maY °Ppv:. an Una treat RpaR ed that sudaou eccouttt II dose, YOU MOST nv* us to lardrivie on authorrred user's parmIssiaO If os y you nom"S, we troy close rho aeeourd sodlar issue a user card or cards, ?r?? any outer aCCOmttnamtbac YON Shp* Visa recover and dtsuoy say means of Access to YD1° KtDUnI Iron tint Ratborbrif Sword We lacy also ta1,r to the ?t? {Salt Yaw crv&Tme appears an your drug sera Wet aka aoay stmt" that Crtdil Bag as a troth! IM or spending Oak You ?a9 61111 Site SWOltrr&rt9 oddy 9 pardon of you cr°dkrns miry be Used Jet c°thadvaum claim f m cash advaurn drunks, are charged agalosl the catsskk ? advaors `P? an ra Fa?ibU [Or keeping as Other O tUraoetct of your rw ?ndt bole PCs, including am foes and finance charges. end rmrYaur tr°dk D,,king sister churge YOU ea ovarGmk roe as deu?nd to ties sgresMSOL rate felt wwrlemsui,avaaesY maothorkrchargssthatgaororyaaraD?[6n°Yaumust r?Otlw adt BOB, end you must p trs immedrttaly a vea ask you to an!'?aUd mappNo is a y bslsaca o+reryoot rxDdkr eonemcr or Un Cosb fiance At our dj VrRf t.°Y° ?yintreass, reduc s, of cancel You ka 1 a? us Mat to do so. we partias at yaw rat lee. NJ fry AMR However, c soli Ent w3I ant!lied you abrPoison ,aDOtbrvesse wasArms Acheap* 10 your to p°You bdanstioasl transactions jaelude any 1nntDC>>w and you Disksi IS bxo TEM"OsSiDor Saw of America evaa Disks in IS ?ROCtrwd9 you weeks outsida Or the United s marir IN fly da4Ors 9 you make a Lraft U•artseCtum In ¦ !profits nsn°?. Vrc d it I t it doamt a updiarcard International. !ter . Win ourvDn dw transaction bdo U 5 hiLsmo dollars braTamgdstsspel Currency cmversbn procedwars Ter esdiurtge me Dori, IV I currency is a rota that it selects eitbsr buto Boa rant [Which rid" mdtY Ewes eterkeu nor the npptitabta r?Lw1°g Dt lye rvsLbls be on ssbOiMr G°f01R dab The nis is gilled tote play vary IroM be nu the tespectfvo sadly Rsg & Themil g lad rely is effect on des applicable Processing ttsadyolutard a the jorsicipubg dab anaydillor from the nu OR the data YOU on n the app4mfd° right It cite ?ge yon an additional items portend i314 t? t noun the or aaotraL irfi F[8,araatronel Usraccdan wh,ibarlhatb7nsardoataar °r'9 gY US doi,r?dsiisrs rues marls A aaathor wrranry and caevutDd to lTi delta by fads in {t Anftoud, S Is sithom case, the 3% wl be calculated os Fitt U.9 dollar amount Yrsa or prwidedM aMbflfeataniq Ttte soma process and charges meyapplyd anybdsmstionai nanicul tz 6 ?-g?Ciiaas We mey, big are not ra titArsd lot, decline a U10MCUOe one cc toyedshofokwftrossons: • hazzooe of nFuxdxw a Umnmrms, • bswlrsU Yrrorat? Istn dtteak. . g Wa ampedb'arrdrd°°t of uniswhd sc6y ty or. Is =- A ? !Or e.-Y WI'Fr ranee. • Bro IN any borer b a lrenraeling On yaw ateadm! Is declined lot We an not ea ° any rafrmaet. even I You have suf6ciad Credit available. Fa afm amwgD rs or a third W?f• spy we may require that YOU ragirtDr your accould %hb 6A ltu spa- rflal we select We will gouty you g ws weal You to register H Yoe do netreigide4ra Mal' dacbr Your tares lrsrtsaeleons Befound la pw?reeraEach check YOU writer IS Your request iw hoods Whan wD recaiva a dock for lipmaL we my rateewycer account to dacrds whoThw m stdu*A that chi f required to. retact and return unpaid s ehsct for say rtesoh =a*- off yYa as rnaa doFr stipend Cplmpanlas is the payee on rho =heel: tarc,tb !chute poll. of your Credit rags has boon Uzcaedad. ar vmotd be mcond5dNWB p> id do crock rd, resulting m another chD:t be'trq Tim cfemeti=P0°p d°s°d U e pest dated check is pa mw nt d Or eat plot art not responsible. you little mad t yI diet akat trv dote sp eurf°d m it • Vat are in igodandi w would be g we pad the chect- Lost OrSldelaC°s111•aaAIS OrACrasot NumbA=If any car cbeecV. BtCaurit used bor or DOW talaetF 1et °a°A year sctourd is lost or stderb cc YD° think soxionnal talthe dom 'jig" Y" persaissr y must "Duly cut rod s drngst by cal Do the t3arnrnerF,fbicO lafaPha' burin ?Showna on your tca us onto i by ! ? now a twirYDa aD611 ate area if your card, r ItiP0; eccNo:itONa6or Or other tun ng; t actDtatk loud or returned We may tarmiaste w sesptnd yaor creelRtfH is prt r arrtEdtAtwRau? Tic neul f as of any lots. Oink or unsWowir°d Use related to your account Ymr Mar be X" i 3r°re;F une106f1rsed aso or ; - ' jar--t 4 !'::a wl-kii y- re--tr= ao bwoft ialYse rain w be robl? lw mare then 511.1111) of such tr rctit catl?D tnd you win on be 6Ys for an{ sod Oansectons Mode after Yaa notify s lrmwhicb lazz, or ,naudmi=dgM-PA-N BG youmusl identify for us tho unsathormd charge YouFeeaieadaobanaR- ?r?r??toprwrdeusirdormsliUn inwtitin9l= darer! ??? szboo alit our we may also, require yus is comply web certain pro inv? PAYMEM f s Ytu bang statement and acrumporrymg snniops include PO geF Est lDpovr its making payments and gals forth the data and time by wilicli we nod retain the pamext you Bole to par lit swamis Yaa news in U S dollars drown on foods an dapOSitlm a U S fmtmeid itwlkdiUO or the V& breach d e Itdrolgn 6anacEal btetitutiUa UslOg o ?ent? ajdarar ealDamot debftthetwil bs pretested ar bwwrod byYaar ebsek. soft not accept cash payments Your total available credit may net Ill dgurupm 15 days skerws rocadve Yaw paYmerd. Any AMmadnek or Other fa•R -d rwt-umet which 1'ac. stud to us kv I-= thap 1Ne ful R?etfa[aaoarbad'•-idiniralt ervvrl6asimufdunolteaanorthatt?eotherwise;aadtt it, hill xae*scfta of a deputed amount Itundwond pelmtanasL if" am Pont to us at Fitt c ?aMaddressbled on your tria lhly star°nunt We reserve all use right rugggre>f?M?o!°sold p° ate For ezampie, if it Is detar itted there is no valid dispute or 1 p.,?.,e rsreceived etaay other address we mey accept the payment endym Wz use on say, reormsrbrq balance We may roast to aeeDpt any such peymdint b retursoin Is1°y% not cosiimg # Or by destroying i1 AN other payments that Y0° m1k Should tea spat to lks regular pslmdenl address shows an you monthly statements Yft rUSMw *9 right IV elecattmotly colbect your argr'ble prym ani Checks, of frt., pre=UgoMn d yryrepreseouF°rd. from the bank etccmrdonvvidcb the chattis drown Durreeeelogaltr°°speymvm ehscks is yourauthorfzation forts to rogectthe amourt t The cbeck oloctronicang 0411 needed, by a drat[ draeu' against "a bank Acemmrt PZt?aat chocks wiibs colsctad vlsclratdcelr bysendimg the check "Maud along i harsh the chock reciting and accovrd numbers to YOU! bank nt The 911081 P ymant es arly esths same deywo ron"yourf!s? - be check wit debksd be destroyed and as image twlllh metsdemad ? our records ! emiraate Pel,hmeet Yea "errs to Pay at )Best is ashdsdtm payment due, of shown oa ira bung riet¦mgo so that hw ncelve it by the date and two Poymaal a due YOU Mai' Pay MDM than tha avamwm payment dca and may Pay the hill amours You vvva us at Amy time6 l you haw a balance Itml is a*d to finann chorgeo, the trNd9 payln fineneA ehergsrbecousr 11110=1 charges somas at Pay Or. the ltscyo accrue ua ywbebuca aaeh day 0Sdo/ i"leac" 10W Your brag statement shows YOU beginning batons and your fire c g1 -Flaw f atsnee' on year bung still Now lancaN 0111111111451L0111111111450111111111451Balance it it wS slo bs tar the ter lass. ner yew hrursimhpa aYwnt doe will be the Now Be Bulavrg, the SaiowmlFS1UJ?C' of the Nave Balance; sarnth, Fm yd lour and ws Nsrfohdt less Its finance charges, Past due end any amoun' taW biled periodic 11 part of The mb data PaYMW data, we also add say emuurd over Yurr ersdilflaa Onaln apacs.F your peymsn roYmaat Af¦calfineh ogles that are authfiftod to and credits in a way he, et is must favorab abta to or w e bahm Pot far us. to r AFRB Iruch autlsad[o to n spP YD1r PO gnu and credits to baances tMth th promodeuel APRsI baton balances With Behar AM M May as r. 'dill gsfanear YOU rhhry nqussl a rduncmdWhiz Of 2 C1100 balance At mot!nt d new charges?ea bllad radon the amvund of any credit balince to your ecoauat may ire a third party to nutometkaliy sharp ts your Autw"Or, Cbarga=Yon mr nudmr Wo charga day 110350 Pacludin account for repast transactions fir atahh?le, M0011111 and insuraaea pt?miums* N o eomage charges we stopped OF ?r ,go aceaare is dared or suspended for 'guy rsasoef or yaw In boor and paying dowse Chingos bnu mbet c>>engas, van era rosponsTWa far rr pt?mgr?; ?an [toLr d In. Pat t+c? but ztr;,-u ?d?? f? ywx account number changes- t orized to be bfted to Your Old ACCDUhd aaave. ccoumutmumbsr charge that you oath acc ntrMEOhre for yoW A b owin off ct d Promoductr From you bout the toms d thoffer e offer and how lung as mo Fish by the Ano,y pmmv" R*tt to this wrnr of cliff agreement as ohm DdDL FTNAMCE CNAUG? nod Annual pwroutoga Ratan Your annual P-000911 rates Daily paiaile d* paciodic rates an fated in the Rata sod F?s f-APRO acid the cos???daithisg d sit cspantai1' To gal that f Table flat is st the and et doCt[n'ont ar P?¦? round up At the filth 395 pvthfc ran we NAN the APR by ,and in ¦Rset ePoraYo Place tar the rigid: of the dacbnel point arYhMth Cfie ChBnroc Variable RXh=Daa or MOM AM that Apply to year c accow?lmeyvget M drn° to the Priohe Bit, When you have on APR that tarts to the Rate, We P. W Mg the APR by Adding a margin IN 60 Prima Raja pobfched In The WoRyyealiounn dawn boAMO days balms the 0aft Date cbown an your billing st¦loonL ?hm'P M Rw• is the higbW AS I Prime nets published In the WOMY Rates ""taro" Of s? select a shelter r ersnCe row end Worm you on your61fng the prime Bout, a separate ao4Ce A'Pmrgrdaih the Po CardsrS vn add to the Prpa fiats to tl R egis and Tim ta¦rst di??R'f'sa P°???? that # not a weskerd w federal hvTid¦y os;TAbl! Cshpw .Zc a verhbb rows it sign fists?moa? for FeesTA Pout, if aM, n and wrrsaP sects wtabls rats and say mbdarom doff P114011c ran lospen' tit Two bvsbass days balers the C,04112 data FbP" he °Ar VOW ll sty lino Ran to pit t via Pilot kteollvh then add the e nu is caktdaied as 1111=1111911 above if our APR. The iodak n results P fs a defy paimdc rate from the previous bifmg ,ycle beesm uss I t eelcs bis prhM rim in s c Pete has ¦ga ehrngsd, two neon nth area apple its d the fast ffiv c day of your hiyin11 cTIch that ends in the colons ? have in w" fir periodrc celcul¦tion R the defy padvdrc ran bhcrusss,ymt fhnaan charge mcd may Ann n Pay a higher riMmit m psYm¦¦t etts Your APRs also may vary ii you are IN dai°ok under alk a9 ssmoc Default B i or ny etba Norseman, you have with us pr any of our related companies lot any theabtpwm 1 rowel": oat that is Swed on this sccpuat m any other . Vth do out rocahn, fart any PUTM M dve by the data and time eccowd or loan with us. at 10131 1" ach imtum Pekin dus. - you =zed your erases fins on o this secuum eCca?ffelossd,wadsasod - You make s a PaYmaad to us thhat is not t fwoored by War bank To the sonhd alowsd bylar4 f, at Any hula Sher yea[ inuhtu zta aymard of Your o"Andma balance and we do not rocaive psymont tyahh; the time we spaely inereese do APRs Mchdmg ae7praraodonsf it sarolome events atCUrs, WI may APFf oa eg balances iBxciuding onrdrok adhnntes pis er amtheezonarrfeRuwidag i¦theddonsoteuk to ran risted in the Rows and Feel eIpbl@ We My, ct.11d na Of limn your account has bona opwak the wstmine Yon[ dohuh rear site tot the defsuks an your Prevent othmirrhcstions s¦naaMags S and odper brhante;lydonoeftl1bou?Y°trotberral¦liotutdps axiWvc:. f v oomp your Walt us or a In y of our our o cabled d companies; artd'adosmadon we obtain from consumer WIN Iske offacl as of Crack roports ab?:mad from b? m ¦ich the detach oCCUrst a ata,7 aPpi4n Pahesa the first day d the billing rte oust ;.ot ,A Yin/ bahaces ltatm*5lnuiouc bis" cyds for whist pariod¢ rows" Chews have apt base adre*ttfw there i1 we doeidameselocreose Mir APR ovdats o nU stated is 0? a S a"a Fee, incroeca yo.r M ay to do mehjahso pff APR is the ewtt of aWlslers Table, wP re=esee trr dgIDapiPora 10 charge redased doleuk mo a rsiastets we homy is dsused¦t on Your ? t0drag amodatd rstes; far e41or selected belaptes: newpWA=, pWpuccbgg%A °adAvssagaDARYMsf acaMel6od flaw 3rsasatdL 4 is Ode Troomoo= 4Ya cnw*m p¦?s fusocs ¦sD¦s calingor Ear mob pleats assoeiatod VA a different ? Class sommm }ng wo tromdera, b¦iaoc° VoRdI r cash ov°dn`ksdvancasyandeach ptem!lio[#T6sest?nb°timrs cash oothhistaa diteeeal C°?°nti wide do seen dally genets reps Fkts ff bow b MKUM worl= Ws caicrdaID ir¦d0 Rome charges for percbass fa lave r3eprS, es toUvevs tfa k* tau dell, Isaias by • First for sari dsY of site blShhp *;k we mhm the . d-111? periodic seti are tmtddPlY ib¦ A* bslfnce . Sreoraf. fat aeeL day of the fr¦aians hlfrrg Cycle "eta tfcmm4 ? is mat bftng ty do cams we dooddoffiis sauxad slog i! car received psymabta fidi 018+ New Bola rs dull ar ?trce amp was ahody idled ikaebi ease war co ft psdndhc fiancee charges far svg arblsuts? a promaliohnd rata ffia sosteayinhteaa use° ?pioo8a? a trt We cdcdm t? 11saaca charges for balance males, 6edlathsasirr task sdmrhee etsrelsand °"°+dr°kadssoecby[teddPiy>ag Cbeci? cadge a? the defy bad Irv •°ch d shoes cetapmSea byffis defyprrfoderas¦ lot each of titostreaigosf¦R.ae?ad0y ?[?h6r¦ ave?dralledrancasodyityostadCtrlata issvaUnbd tide accsa¦tme ef?nr acxAOat with ages of our related hosdc-tl/° the po iadig ffirams cfc"ec bats as • trairtsiors, to pfpmWioasl Ike samo way. suf* °dve cad cocb ° ent rat¦ butrw teat Bee ?wfar NSA day for Poch c¦teuvey. To get the >? bedraCe {o1' than Bait . We ID6 & db*=° ¦¦Y near be?cdehs, loos. "later s? and debit • We ¦? W 1n Ad apply to ales c¦Isohutt We add s new pairchos4 ash adveaca, ° ts to tits asariJtwtsa sa of the ba?sy?ierervvrtdirdofa a,f , W (s _ Irarsssd¦m era Istardalatl of der Be d dare so east advance or ftdom ilea Chad to firs • a a As a ? dote of our Chad', IF ideoca tradst°r check a asked by P Y¦¦. . dullitesdAsast No that bite any paprratds, croft", or craft K*Mb mnu that A llasaftpay ad col are credited as of that day. . We bsesa ? tseiawe a s badmtca d zeta for the next disk L!arye? add the dyh TV get daa>? the or dolly h cm ppotiw&c rate p,hWk uhr>ze f more than ass d* braes on the iDW a?tippf?f?E? because the rata for tlw categOtY ? celly ? "pet"s Boosting slat asongs ds pleats, vaa wil use do 1181111' P Ica lac the ring" dv* brlran "emus d the and d op bViell crd¦ >b c¦aicufW atA o lho deft fad graces charge sack day This g Cott - I - d New* dargata daily To lira Wwrat'fadiC finance charge for for M dr • visa add 00 IS billing oil the daily P f ctserg¦s tar each cetegvry tombs previous dftw fbhrac¦ cbarges OR putchauo 9 dm, arcs hat Cherya yen Al bfilliq op3e vs?I am po ordk Qasect erg least Ung Wallasey Periodic fomae¦ charge stated In the Rates and Fen Tpab?' s ht rrfat¦? °° addr6oaad sahotn[t to reach day taWMDMfeta, add tfhatea"eaette tam h¦)Bece far perthas's modr duff the bilim Cycle The low so eCe charge to yvu eceoud for a biting Cycle tilt be dhs sum of the paisdfoboloce Burgas plus may>ro main ba Imancaa?ngshs¦atranCSCtionsl faraaCbromOWYM'a stilling tWc*b sal Bvicregin Voicir duly balancer Paid dvidhhg not amount by ter ttss kt? in he MQ cycle s ¦ periodic foteacs Chaco far purcitaas the l1w pi"o- ban cob Mo°semrtsar evarrage dsill,bdenes fari ws " tp same way n Yea the average deft haunts for rotp, am in 8enatrkbirds-solar icidijAswi purr sdefypsrie& of d f is bobs" Cr*'a road VA Opal 1ha P° bft laestn charges lw tb°t bahhaeetsaiadehfa to lb jbWap eyc* -opt lac minW va ' doors dna tin rma durr GnwPesi¦d¦a¦dAecrmd adFaease CtsesgocVthesternspwWklianacharges onshs? arfuese efaargt Ini 8cs date kis sddedIDYeerdefy be{snss ynyp?lalnf k rscoisad m Yatraeeaid a trvrevsr ws lvratec?elw prrym? tin¦usednsitasnserewParCbPaast>?ddating bifnpeyeM ern saw aaleaee by the date we than rater criminate" is in and wo -spand of your ft w Balance as your bffol stows mat by the rals wit nxepum ar'grace beams' appilas unly ?p?sem?d d p?n°teppd}'tubaienCS fransAsrc, bstones traasdar cfiaCta.[:osA t° is edrasc?? advanca see or vverdnk sdvenchs, f sppfw Tremsardpe Fsas for Cash Advance= We tray chargs yvv is cats advance Its in the aid m tbs Rams and Fees Table Jar sech of the totlaming transactions: colt adeaoCP cbottx • Cash edseacea to addaion. ii you use a third pant' service to mote It payment on your bahaff and the servrn charges the psymad to this acceuN Wit may cinrpr a transacGhm tea ter 1113 PaYhneai There Ireasacfgn ta°s are finance sharper We add flan toots pu balance ? tlo relate lee cesogary as of ft venom tton date of the cash dvsr c For abate for a cash advance would be added to your cash i bWanca trarmlm fee in TraosetUoa Fear far Balaa4e Trouslam We may charge ran the amoari staisdm the Rates and Feat Table for such of rha I911Dwmp trontactfanr. • beieece tretssfst shear, • babsaca VatsslsR We add the foe in do balance for the related Tbmse>ta>tssgiomtsvsera finance cbarpes talmgot, AN of the ainisactisa date of do beionc transfer For w ebnCA transaction fee fora bsabomm Ummiar Meld be added to your billawo DYm Fefs AIYD CHABGEs We rosy thongs fire following leas The arnomms of dose la rued In the Rates and Foes T" Ties learvA be added to the bolome forpor cycle. Annual M * For. ff your account has en Annual mesbw4* his, it will be bitted a nth your or is mollidy ImAnImantr fat masted Is per Ratan and Foss Tablet, whether or use yaw strand. oral Yore r?rpfas to pay ll wh¦a bow The ensssl eambDtihlp not aides you tln ty of that you wish to ruse yam Account vilildo 30 tea or dsrida e l ml sutsuamt AN width as mutual menb-vw fee is days of [ 00 tie tin are msl! Y¦u outstanding balance In full Yore paymad of does not pay e in of affect ur twr dgtd to slaw yore sct met IF 6adt your the ?? aar?stdis nhbaa mo oil anbs Stall tfpe lay dare, you t ar, we right to make uaassetiwu m Yaw sttrouat if yaw aetosat is dried by you or r balance will coWa s u darpe the aaavai membership i,,fat tmbl you payYotroutdtetdbg in foe sod Wtainau yam Account ralsifoasbip the date pfd Lots I'm N we do eel retafw at loesisme nt lot any b'idal *ht. stn may charge the liars ko din, as shown a tsar blimp late gad Fees catr.Ado ? r la me s Ssing Do Prm Aoms Selunn ? lamb orth 5 sutom,00it That shun the fete to This b lsoco is the sums As the lima, Jabnts shown to do prior south's intemod lorwhleb eve did net recalm at least the required mWoom payment by tire date std fist it was dos credit gar at any tune dealing s fiUmp DVNNMH Fed 8 parer account bmlancs it over your m a billing ire t yda, veto I taffy for a dux we may charge as overlent in We trey slang ormlysvrbabatsisvverthacrvdhDaebsesmrAds* t?rg¦ Drive wt?d or it usasndm? sea sathuf9ted We will ad charge bMinJ or& Sates en y charge an ovrrlmit in is> ? 6? is oust Ymo mew traraacam we me& on your accovaL I your cmdt Gin at anytion during the submqusd Ming cycles l Is tad loomed, Ib1 b rmerrasd ospalst, or lei we rand rottam btcmua)se it U a your psymant check or sindiff Bataan e PayarPea4aymentchmdtfew if IN) or cannot be prvcossod- we may charge a an outvmslb d¦ii1 or oiitrr Is not t signed area Poyx" far' payment mn s nab mdnatz citeek or haloes treaslar chRaetandcs Cbatysmt¦rt Fat J Crr,al at we (h) we stop ro fvsr to te pity it cash mdvoate chock or balance rousirr check we rimy clargar a rotten check lea of a lag sulgmd, tale drsil or other request copy Adoht?tr¦ FeemC t You I you req a ussl tw t IWo o Pont owds mar Any special cervices flat mcMP1¦d. your >awnd s an re bs dress services oha willttarb on an you frrto t od we rs ta , safes dohs or similar Firrw¦vati fdmy and ebamt lot for *49" f oumayes us under Applicable wry pnayvureqursrr ab3&+gvbV sMt LXxvirrsteesweprOWds, 03 rtricrsheed dabrv¦andonus s Irtvv. Mle psy tbe'gm, for arr? s fear flrvie time to fatro IN effect whom we offer the sorts`.. DEFAULT,fgD tECTrDN Vile may tmtaidadyau to be In dofeidt I any of them raver: • W ? rn the 17111411101111 rmorrd din 10Y the dm and tbas duo u sham A Rut. You 151 IV wish the terms of this agreement or NorNumermsd with one of Nor rDisud competies vnebb to • Ws obtob llic .lon"tenses uric balm thatyounear to tsnrwlang tt pry your dabk te us of to others on time • you 1h for bastrepwr rusted tx in the crest of your death- if eta eoisdmt Isar otcood to be is delatdt, we may closo o[w ac=OK rviltnout aDtsca require you to pay and require youto peyysu enpsid babacs imsirdbtaflt my internal It tine nab of two parted f t%) A mhmgr oe she etpmid bebrice wham wa deem your nxaead to be sit in morn bmfml nvbs past dam. by brow, it Van are In ddouk betawe you have lewd to pay us, To r ca dmpacsmh costs, onomeys' fees court tern. and all v0ur expanses at 1114P swd1bts vndor:10; agreement CLOSWB YDUR ACLOUNT ill as to dose you acnxud we may yam may dots your eccotud at any rsma H you t require dart you confirm your taquesl'ah vwhing at any time for We nary dose year account at tiny time ter susyrnd your credit privileges any reason vOod print notice o=ept as required by applfesble leer. O the dose your accavd, are null trot be liable tv you for airy consegvstscet iassstting from closing yaw accovd or =mmmfmi you credit pMrges 11 you or stns claw yaw occDSmT, you and any awlwrit'ad nears mass, bmdiskoly stop vamp Y¦¦r account and destroy sU cords, checks or Asrneans to access yam Amount of reilmlt thmml m us upon rogtlast YDr sv01 eonimue u fro rrspmrsibie Eat chsrpes te year accateil avraBdlsY an made or prot:essed shervmwactmntlt closed and yes m7 EMA jU baisocv os your stccmad sccard¦0 to the farms of he regrind o Ida di?On outstanding t 511111101011 by law, we may regtdra You 10 PDY the teadstaa bWoesa W o drably OF at airy lane A hot your rttMi 19 closed AwtTIUMNAMM3M FLEASE WAD pE, 09M CARS ULLtf. IT PRDVIDES THAT ANY DISPUTE MAY BE RESOM sy mils fldB ASBITRATION ARBITRATIDN 1118`1 CES THE RIGHT TO GD TD REPRESEN`FJK C ? IN CD1KT SUCH AS THAT IN THE FD DDF AA PWATE AFIRIT ' NO111 WILL YDU BE OTHER REFRESEVIX BIM ANY CLAIM E AL-nDK YOU Will L MDT XE 9W ACA CLASS ACtID1f I N A CL43S ACTION OR OTHER BOROUGIif BTAi1fIW HA M REPRESDENTED I REPFl1D:9jWKArF0LW 1EA8MCE OFTHiS ARSfTRATW AGREEMENT YOU AND WE IAA OMMWISE PAVE hAD A RIG D TD PARTEWOE OR BE WPO TO RBRING CLAIMS EPRESENTED INACOI WnKAJUVSEMt•?Af00R CLASS I OTHER FISHT1S THAT YOU WDUiD HAVE If YDUDWENT TO A CfltK SM AC DIBCOVW OR THE RIGHT TD APPEAL THE DWSION MAY BE MOBELph M DEMASOTHf3RA11SEPRDVIOED BELDWTHDSERIMMAREVOWED emdisJAsi ¦.?sArbiltaioaAYnaaNtdkin&&pwowdlestransoaiwriaro>ttini1 ltdmrst+d¦ ciscusissaq moil *4 be g mmud by and be wimmobb under the Federal ArbhraljmAvtMa;* KL9US?Gpir1a16aksmy m anion sod This ? b Agrowwnl sets (ottbrtht bussed mf 6rfa0 >idpaud fa rasR be rasrbtedbr: d WbArblualioa agreaeed.'we ;'ma : and'aui stair Par(fes Coasud,Fvrtls f includesosrprmrLs?mlf¦6 ¦?°? leeswes.prrdscrsssrs,satxeszsas, resigshc, any f+nommd peer Accoett mad e1 .(dull allicum directors, smplaYeas, agents, lied rssipwarsayead dal thew AdMovally Via :'try' and'ovf shelf include any third rm, P?gbaa?,aaarkemti w produtas is cahnmttitm whir tba Account bndmrdarg notfstRedisasdtbureaux, mertdrants shot accept arty eradkdevice trend rndsr an AooowL rwnrds festivities and ems &mnt suivit , uadit insurance conpcnias, da6isotlmett+es,¦dafldthdrh>Rieaa'Arschirs' amPla1r°es, squints and repraserdrrives) it Claim assert andv*iLsochaWdpotgi< armedbyyenata cep-delandoutInAny you splast sac or we m% witlsnt the otb's consent. start mandatory, e ?tbirc, dbpets or comrwvrsy either you or as against the oWdua4terapb:dWv art?ayn?pwerds,aubddlattet,alIb1tryy sdas,benaDendat,a9DWor as"c d oo ttOK tabling brain or rdmSuQ card Avmy to >?aadrst silsor vrei seem omppaavalWA .Tbk Aeakraimn Agnmmmdd Iror¦? ap Ctaiars, vehsqut srda ? an b =W as I&K stamu, commCL rthpotefioa ordioer s, tam h ono bet >:o?f pirmikooa or airy lags theory of few sub as respesdrtt syPad?asaa?a/tmy9rgmlaraap7l.bbga¦ted and wkwhor sorb ChYas seakas rsendss a dssrtilmS,P¦d?'a, `me daelarstory oroqukabb relief. Brine svb)ect entente Claims tepording ft oppReab6ay d this Arhfvaiion artier ry lVoldersoft CwdamoberAgm mr iar say print CarAnvmber AgoonerJ'iirisAr6ittld¦¦Ag?ee!¦iIncludes Claims that eresr la tha past or arise Ingo; a ten.ran fmasta As used IN Oafs Arbhndon Agreement. tin term Claim is so be gbeNfebmedmstpnssilrla e¦¦arlttl C1 reissdq¦steaattirei6m¦¦ Chiles ihst are merle as entadarclaArs, snots claims, Wad p¦ v r3eiaa, or ofhrrwiss, sod b party who hddstos a proceeding In coast lave del witit resprd to any such hymn advanced in the bowsvit by buy peitytrrpasderr smell At sn exeptfos to tints Arbitration Agreement, Van rates tttm rspM a to ds o purss ae n oo me a a sml tdsiarrteertsnyad mtiheQisvayristldetsosris)trrisreIke and prow bask Nmpaasrebctsuetbdnte • llaiet.dn arbhreilon sa'0 - toadsamd as anww1clual eosins. Ncan yvr ass we up= IV Nor urb wed on Saab bmsiz. rapt trwera gist wee sod the odbr3W "Jim RD ovibodlyto ff a ilea u*n'esesaioro>lm rnpaecemmdv¦ action, such at that in The loran of aprints atiteseyla?ad e k f iK oq Msim i etwaso us related to Ova insist shed s catch bwsrilcssilia gkitid to ¦¦ bs-I" arbhredoe claim J Witter yvv or we so e1rcL No sablem6ua ta7 be rmsDwmtd vdth any Kilter arwa6ma pretsodssg withow the two" Of all verifies. The a* pubs shot may be )D w in as iadnidoaf Attica under this Avbised¦aJbgaa'stad?re (1) thaw bmught by us sgatmst yov and arty t o-appxcanl cecdaemilin; at m abodz¦d taw of your Accousri at youir teaks or your trustee in b vietay or 0 dismiss brynihil br you cud any co-oppecad, joint cardmembe4 or Nodtotlasmd Now o f ymwAetsemt or yea heirs or your utinve In bankruptcy Against in "Am of p,Mgadmm Tls sty (gq a Claims is arbl rmdon mast choose one of tin a ilib des s 1 UM Amsricsa Arishratfon Anvciatiam; or National Arbkmfmbmu.Mwo atv><atebsdopandmaabrain us The admbdstrnurdoes trot Decided go sobired¦4 ArMissi lmf 1s conducted under the rubs of the sohtxod srbitrmdas Eby as b spwfnf IWW party chows in stmtdonce with the rides at ape sdowd sttdllraEin adolielwator sod as may be provided Is this ArWrodem A per aahlrmtive pasting dal you attend shelf be hab at a piers chasm by pre vrtl ttiUreaa wamri own sdoomkivira:or waldrr the isderal judicial dtstnvi In vmich you reside at0afiaa doCbitmis filed, or et samse miller plate to which you and va agree in WnUq lam may atlWm copfis of the cotrard riles of eaob of the tm arbitration admbastraasa:<iulaa¦ about arbMrelion and arbitration Ives, and instroctoas for addo6aJelbi>t . byteurcsivq the orbhndon admsnistrators as follows p q, 335 Moditvn Avann, Fivor 10, Navy YDrl, 14Y 1OW45KVhb sic eckwit-O 0-77E-7875; or NoBvnd Adobud o Fens, P.0. Bra 90191, 6Amarapvlis, CAN 559U5, Web site: www en%OW-na-m1 ProcedOms and law arisptitoWs to oTbUtelson. A single, neutral arbitrator %Y81 resoive GletmiTlssrbsntortans sidlorbA a lewyerwilh at Isast ten years expariants or a retard or former judge The arbkre8oe wig ba conducied under the rppicabb prwsdnrer If yam Ikon via how raptalyd toactu is bdormsilan to a credit lone you eery end rules of Ibis arbbrelioa edmiaistraw that bra in sllect oaths data the rrbbreda write to ms at go Cardrmainr Servies address fisted on your bsgng mtawsaL it fitad unli those procedures and roles are iaconrlsiant with [hit Arbitration Plraa kebob your acres, sddroi eccei number, telephone mwbmrsod a brief Rprssauat ie whie6 ease this Agroatrort ail pravalf TLeso procedues and rules dascrieftn ad On problem A evshhis, plosse proAds a copy of the credit bursou may sell the amonot d dmcovary svsgahim to you or or The ar6dtrsn? wet apply report In boa Ws will proni iovestigata the mrttar acrd, If ear investigation appGeobla subsonlive hew eopsftlad vAth the FAA and applicable statutes of slaws ibd In as tight, we will eooteei sack credit bursea to widish wa reported lava lima and vAg honor clsimr sl p?ivEega rscognicsd at law You nay choose to the Woomim and will refloat Ibsy con sci the report if we disagrn wkhyou after hove a boring mad be represented br cwmse) The arbbuetor will tab ronsv io our bmmgp b% we will tog you Is vahki or by tabpbaee We wet Din notify the stops is prslrcl Wstomar Aeemmt inboraratnm said other comfi lealid information, ersdk bmaaa drat you dlspmdr the information orders you let or know that you no includlaq; On rose of protoctiw orders to probi dsclossra Outside tit arbitration, fmpw dkpttadw kiwmwm v requested to do Do by you or in. The a'bkntar oil haw the power te award to a NUTICEMANE IIF PEkSl NALWORMATIOH pporW any, damages or other rdaf provided for ender applicable lets and oil rot We wilsaead 9= 04 bung sledaamstr and other notices to toe let the sddrarr sham hove the power to award rasa( to, mpernct,'or for do bandk of may pmsoa who is In nor lira: k IF Ibis It a jrbt se em^ wP can sand bftg stow m ift bad notices nods to the promodmg U the low authotitar,suck relia1, the arbitrator any to mgrjoid eccarat holduMake to too of you will be consbderod fades to all of ewsrd ?RX' damages or anoravy leas The arbitrator will maim arty stwrd p yo oddof ymvM senate o6spstad me the accent wetting but rood not prmrde a stateneDd of ressour uni ragrestad by a party 11 you cbsupa ytmr name, address, or boars, cellular or busli tebpbeme number Updmt r rageoot by yon or us, the orbli will provide s br d statsmod of the or end address 16 Vas sleet to retain billing statements or other Pali oni reREDW forth award. yet assn moths a bm lai* is wilding at the address shaven an you blphrp Cad- We wn rababarn you forOra bridal erbihrsdDo Mn fee paid li Rp tD do downstate. 1% Wray, of smr opOoq accept meling address cwtuclioas from the amoa?t of 1380 Open receipt of proof of psymaat.AddkfonaffF K than It s (rearing, Uni Shoss Postal Service We mer contact you about YM aeaoast. lathe" wp wet pay any lava of the arbitrator and arbli mtDb aim h&Vslur fox the first trio for cerboter service or coNPetim et any addrars or telephone member Be van us days of that boaft. Tie prynPnt of any sorb hbrrbng teas by as will be mods any Cdeforid phoms nratI Joe prvvida at diretdr to the trrbibi administrator selected by, you ?? ?ANDRECORDiNG Arbitro" AproeueDt As odes leas rA be allocated 4 b ader of %Fi ardBmppieabils, D raf ants, mayfndan to and record your lole cob with the arbkrettan adralnirOeler and applicable law HDmvar Iva wA advance or us. You spas "wim, and B applicable. our agents, may do so, whew you or v o ralmber" Sol fan and other fans B the arbitration administrator or arbkratur irdtrab dmtabpbm ens determine; stare is good rebssa for ragrbing us to do ss or ym ark us and we dotormins than Is good cause lor dobng so Each potty wet bear the anq"m. of ilea IIdFDAti SIrAAAl6 foes Dud costs of riot party's rtmmeyc, experts, wknessm IlDeumeats and other You sa hethen be IV share cosisW irdormsdoa aboutyou and your a=tWwithin our experts, ro?ardlen or which party prmk for arbilra6os and ear speed ins fenrlYotcermpardas, spdwA otharsoutsidb ourlamar olcompsslaimchsding any psrmisad bbbwrl, sxcept that the arbknhor shall spply any eppicei low in c nYsrwgatdssiientrbsnsorearmsrkmoyoppearomUtaoards,aspermitted dot ynalaing w bethor a puny should recover any sr all fear and costs boas :nether by law. ? Phiutcy I'aY. WA- h Is prhr_id:d to you when Ydro first mc.-A s an P 1- egresmsdardalkmadamPoch cabm&rysardersakeydescrdnsourirdaroodan Enfwammmi rmafity, appeals Faiors ur any delay in erdorcisp Odic Arbitration s!? end der thoicars you haw and directions you may on us shout Agree rnerRslunYdrms,orineonrrndronwdthrtrypardeutarCirbrc v?admasfamd our slmismg of bnfonaodo show Me and your account with companies or a waiver of any rights to require arbitrative at a lea thus Of fm oomstrom VAII may vrgaoJtalfonstDitirla and DOWN of our family of companies other Clshms Any dochlom randorad In ssrh arbitragers procomeft wA be reed and U UMM CANX"BEAS bindmp ou des paMm, udsss a parry off m txklap to Oar rmbkrarms orgssla7lioa look laeeprwfder died we may ant shah Information about Yen with eompamhs vhtVm 30 days of Issuarer sl the award Thu appeal Masi rarl"a a row a derea a or d. ter, A 1. u maside Of our !orally a rompatdas enters you mutharks the bsfura a pates if awe arrtrsl .arbkrrtsrs deputed by the seats abkrstion discloaaa srsedess de IStI letle wrdar emotbu osespofos In Ile hew leach orgatanlim Tba porn! RA raoaeI or el tsewal end hind issues omen fobve ilea ay, shmag iddmaOtm u pracesyam trrteraeiisnrr or is ntpera m a sabpoenaj soma ruin tba! apply te e pmcbbdarg w* s ftb n"nlsg and mete dechirms Ynnbmr4raprtnlhaLBysrdnoars rotte easrcbe ter sppseabls optgD desersed bared no the vats of Ora M*Wty Each Party will boar theb Own lsn, tests anti in OW Pdvae! Poft yam wl be Avemad to hove autlmri ss to ohm parsons) exparsts foramy appha( bit a pmrtynoyreeorar mnr ay, all lea;, caste sad sspaDSrs infonmaBammor Irsv. tied you ( Chdhp information rdatsd to r qig ibis products (rare mwtbw party, if the of the parish of atbilrani appfyimg ablicabb or ye areices a army few WO D" Of our companies) vvilh nmgnanhs or other law, so detrrninar An rrvud i y, mblUntfon wit be ontamsible be proridad by the orgaob5otatardsids Df ow (emir of companies FAA or od?sr BX&- bb hi by eery root bavbap jurbdktimn EFRUMMUNACREINSPIT swmraba'Bt% sw*,,L This Arbitration Agnebmsd abai sarvirM 01 tsrmiardion ar We cgdelsfmrlwAM orad smforea any of our rights tmdarth is agreement without changes in the CwdammaWAgrsmmaK [be Acco met and the rabndoarl i betwasa bosLrg mm ri01d is enforce dam in the hi It any of the tear Of Otis agreemrnt yon aid as erne the Attotmd, sack as do kstirrrg at e am at caart numbar an bW in be tmatlorcesbb, as other terms vuA remain in Jul force or the trmrndming the bedance In for Account to BROOM seeomt ?a the ASSIBNMW hen dserporlyoromrj•skrdlarprxeodlaplaitirtadbyymraraa your h* yyy mq asolpn Pat aeebrml, miry --ft Yon owe set, or any of our rights and and fayeeM of 1111 debt n loss ter you or ter a third eery If any portion of thh oblgWbm under ddr mgtnsent in a third phriy. The person to whom we make the Arbitrates Apestnbtt Is Assured Im id w unenforceable. pis rrmakda0 pDrtlanr ats%und eA he a MW to any of nor rights that we Design to den person shelf nvnr*okn rom b in forts CDVEMM AW CHAIArmTDTHISAGNEf3 W THETEiIIrISANDBdl 9dfDFTif<SASREEMINTANDYDIIRACCDI}NTSHALL We epn ehtapa this ogroemrrd N any time, regardless of whether *mo Lie sr Less BE60119MAND WT:?P,Phi X A.:CDRD?s =E :Y171r TDE?iAL LAW 4.-4 TD to your aecoai addktp, riedrtlnp, or sodBybnp may psuh i Der tight to odd, THE FXiW S%M LAW APPI IE4 THE LAW OF DEiAWAAty WITIIDUT REGARD datIts, or arodily provkkurs krtludas linovisf carats, such a ter APRs and Ins; TO CDf1R CHF-L W PRINCIPLEs. THE UAW DF DELAWAr4 WHIRE WE AND and odor taros Bach as rtes aware, seiad, mud enforcement of go rights end YDIklAI COMARELDCATED.MLLAPPLYNDMATTERiME:REYDULfvEDR USE obligations you at we may lam relating Is this agreement Modifications, sddltions, THEACCIPM or delrtimu bra called'Chstgar' or a 'Change' FOR ff ON Wo W W?i with mesa ode Change Ir required that strtdo In ica notice, M ass Ch aagea smk Puma call On Cardmambor SwAra telephone number on yom card or blaing e applicable low Unlosc wa stets othbrwise, my Change will apply in the unpebd stesasaatHyar bar any gssssont about your eccormt or this rpraemont balancer eat year accused and to saw lrsamcfamr TM MLLL C RUM The nonce win describe any tights you my hm with respsn fo say Change, NW KespTiis Ndea Fm Fulmar Use the co nognww B you do or do Doi exorcli these rights For aumpik the notice This nagite emtakrs sot information about your rights and our responsiblirtias may male Drdt yea may noisy me in valtbg by a specified dais If yen de net want to Ruder dm fair Cma AeL eccbpt certabn Chsrnyn eve are noting U Yoe nmffy ut la wrkbhp the you do not MaNy Is Is tau M Errors Dr Daaslioos About Your Hill s cis opt des Cheappa, yea woos maybe closed (B k k row slmmdr tdosedl and yon U yea t[ibt year ill k wrong er B poi need non inlormotiou about a trnnsan tion Rvbg be obsgstad to pbyybm ordsundrog balman Ruder do applicable get= of ohs on yoorkil ttmka us 01 aparets shoot If the CDrdmembar Stroke oddrest shows r prornart IIyoa irk ndd noiih• as in writi by Ilea date steisd'm dire mdse. ay, B you on Pm kaTbq tntenat Wrbti to us as soon be possible doh must bear from Yoe rotny me bet tbea toss yvor account abr de dote stated in the nrodn:c you YA bs no later lost 61 days shot war saw you the lust his on voWtb the error or problem ..•:+w?'. le aeeapt s1 ChaDpc kit I`F n:.f rs sad to accept ad corssrre allteri unii i !;.a =ax tolobve! IM, M_4 deny sc Win rmt pr esrr rti Yomr 4k; mnir agteenmmt end es Changes In prior notrcos we how seat yea regardless of In yomlesb%gin us the hpswirng infermathoac vbodraryea brae across to your secwrt . YewD sad ateamrt oimnbsr :REDIT WR)RMATIDN • Tbr dalw m moo of the suspected srrtu Vim may pariDditeOy review your credit his my by obtaining Wormatrop from cradl • Describe lka truer and expiak E you con, why you bbTeve there is sn error 0 you amuse sad others nedmorrfmFm MSM derctibs the ham you are not son share Ve maympoxt information about you and yourascnunt to credit borers, including ?f you lamb NON rhad me to poryarr tract card bit automsiicaibyfrom Your srrAngs our raihrrs Is PRY us on aims. B you request additional cards on your account far or dwcLmrgaeeomYou ebn stop the poxymerd on arny Bmu= you lank is wrong thars, we may report sceourt information in yam name as wall as Is the names of To ttepM yore letter xna reach us at least throe buslabss dayr belore vase other people ter psYmedls scheduled to occor. Your ldpWsAnd Barfitspous?bRlOaa After We Rarcervs Your Wrines notice aft a nit Ql: ?_: We must ackoowiadga your letter within Je drys, unless ws hays mmcwd the error by rhea Within 9D de-g. we mars either correct the orrar or explain whywo betim the big r Y+ai rDrrKL After we mc&v yota lebur, we cannot try >o eoentf any amount PU qussl'art4 fir rmpoR yea as dolhgwre WO caa catftrry, In bit you for the mnmmd you question, fndodl finenre chsrgas, and wa to apply any unpoid arn" sgabtst your cratii<Ge, yet da not here to piny any questioned amomA while we era invoslipoting, bat yea ere Fug obligated to pay the Pont of your bill that firs not tam gvasflon. If we find that we madl a eictake on ymrr big, you wet Met bare b paysayfbfines charges related to eey tpusdonad Amount R we doo't areke ¦ m4uko, Pm may bay, to pay finvace tharyos, end you will have to make up may misted payments fie the quastinnod amDrrrd in either cams, wa will sand you / statamaot of the amDVnt you an end the data that it Is duo If you tad to pay Urn smomd drat we Ihick you owe, we may report ya e a delinquent. HawevK if our oxtelmodom door not ssdafy you and yDa write to ur VA06 7e drys IaFIng or that you std reluis to paw we must Id anyone wo ropon yon b fhat you have a qumloo abort your bill ArK we must tag you the nom Of owm& we mpwwd your to Wit must red snyona we report you to that the matter has been xvWod bdoaem us when it i'rnagy it U wk don't follow there rules, va can't cAvct do first SW W of ft questionmd araount, oven d your b7 wet cornett Special Rdm lot Credh God Purchases it you have a probltme VA the quality of property or varvicst that you p with a rradit card, and yon have trail in good lift to mnct the prDblam wkh do marched, You me have the right mxtop ny the remaining emDuM due am the property m servitor This right does not apply to cluck transactions 7hore are two Tmdtefim m e Uds right (a) Yon must have xmdo the purchase in your home stet w, g act vrididm year hum state, within leg miles ad yoar twrroM mailing address and (b) The purchase prim mast hevD been more then SMAD. Those 11mbd w do nod apply 0 we awn or operate the morchoet, or Owe amRadyou the advartfsamool for the property or service; Copyright tA21W JPMorgan Chase & to AN ripht reserved W: ,- 4,Ay3 , VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he is John K Wells, Manager of Chase Bank, USA, N.A.., plaintiff herein, that he 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 his knowledge, information and belief. ?- 1 C ase Bank, USA, N.A.. f, 0 SHERIFF'S RETURN - REGULAR CASE NO: 2008-00364 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS KELLEY CAROL AKA CAROL S KELLE JESSICA HERMANSEN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon KELLEY CAROL AKA CAROL S KELLEY the DEFENDANT , at 1734:00 HOURS, on the 24th day of January , 2008 at 510 WOODCREST DRIVE MECHANICSBURG, PA 17050 by handing to CAROL KELLEY a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 19.20 Affidavit .00 Surcharge 10.00 .00 47.20 Sworn and Subscibed to before me this day of , So Answers: .00 R. Thomas Kline 01/25/2008 WELTMAN WEINBERG REIS By: De u y Sheriff A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A Plaintiff vs. CAROL KELLEY Defendant No. 08-364-CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: JAMES C. WARMBRODT PA I. D #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06371331 c - ? C"? r 7 ?" ?y .a'.:m _ +?.? ?? a >.] ? e?F C.J'? :.?C