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HomeMy WebLinkAbout09-6934.1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: QQ- 693q 0,ivi 1&,r1h vs. DANIEL HAUSER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07716394 C J Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. Civil Action No DANIEL HAUSER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 2. Defendant , is adult individual(s) residing at the address listed below: DANIEL HAUSER 36 ROBIN CT MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX2520 . 4. Defendant made use of said credit card and has a current balance due of $11940.13 . 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. 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, the Plaintiff prays for judgment against Defendant , DANIEL HAUSER , individually , the amount of $11940.13 with continuing interest thereon at the statutory rate of 6.000% per annum from September 25, 2009 , plus attorneys fees of $300.00 and costs. JamP4- ar ro t,42524 WELEINBERG & REIS CO., L.P.A. 436 h Avenue, Suite 1400 07716394 C J Pit KMJ Pit, PA 15219 (417955 FAX38-7130 This law firm is a debt collector attem o collect this debt for our client and any information obtained e used for that purpose. Payment Due Date New Balance Past Due Amount Minimum Payment 07/23/09 $11,940.13 $855.00 $2,052.13 Account number: 4266 8411 7579 2520 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 426684117579252000205213011940130000009 IrrrlllrrrllLrrrlllrllrrrrrr111rrlrrL1r1 rrr1.11IM11r11 url 26670 SEX Z 17909 C DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 AMERICAN KENNEL CLUE Statement Date: 05r29109 - G6128/09 ?j Manage your account online: Minimum Payment: $2,052.13 www.chase.corn/orsdkcards Payment Due Date: 07123/09 Additional contact Information ACCOUNT SUMMARY VISA Account Number: 4266 84117579 2520 conveniently located on reverse side Previous Balance $11,562.93 Total Credit Line $11,000 Purchases; Cash, Debits +$78.00 Available Credit $0 Finance Charges *$299.20 Cash Access Line $2,200 New Balance 11,940.13 Available for Cash $0 Irrrlllrirrlrrirlrrlrrllrrrlrlrrrrllrlrlrrrllrrirlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:S000 160 281: 203 L L 75 79 25 20411• The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1302-594-8200) today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description tea( 05/29 OVERLIMIT FEE 39.00 06/28 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CNARGES Purchases V .08216% 29.99% $5,506.53 $140.25 $0.00 $0.00 $140.25 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer V.08216% 29.99% $6,240.77 $158.95 $0.00 $0.00 $158.95 Total finance charges CHASE O $299.20 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other Important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. EXHIBIT I 7716394 This Statement is a Facsimile - Not an original 0000001 FIS33335 C 3 000 N Z 28 09106/26 Pape 1 of 1 00082 MAMA 26870 17910000030002687001 X INS13877 CMA12762 ;ardmlember Agreement CCEPTANCE OF THIS AGREEMENT his agreement governs your credit card account with us referenced on the card carrier ontaining the card for this account. Any use of your account is covered by this agreement. lease read the entire agreement and keep it for your records. You authorize us to pay rr and charge your account for all transactions made on your account. You promise to ay us for all transactions made on your account, as well as any fees orfinance charges. this is a joint account, each of you, together and individually, is responsible for paying II amounts owed, even if the account is used by only one of you. We may require that ou pay the full amount owed without first asking the other person(s) to pay. lease sign the back of your card when you receive it. You will be bound by this a greement you or anyone authorized by you use your account for any purpose, even if you don't ign your card. Whetheryou use your account or not,youwill be bound bythis agreement nless you cancel your account within 30 days after receiving your card and you have of used your account for any purpose. Throughout this agreement, the words "we", "us" and "our" mean Chase Bank USA, N.A., he issuer of your credit card and account. The words "you", "your" and "yours' mean all rersons responsible for complying with this agreement, including the person who applied or the account and the person to whom we address billing statements, as well as any terson who agrees to be liable on the account. Theword"card' means one ormore cards x other access devices, such as account numbers, that we have issued to permit you o obtain credit under this agreement. JSING YOUR ACCOUNT lour account is a consumer account and shall be used only for personal, family or iousehold purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawlul transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated under this agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services. Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account. We also referto them in this agreement as a check or checks. You may use a check to pay for goods or services,totransfer balancesto your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We maytreat checks that we call convenience checks as balance transfer checks. However, checks thatwe calf convenience checks and that we indicated to you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates and fees. • Balance Transfers: You maytransfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; orto obtain lottery tickets, casino gaming chips, race trackwagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: In order to manage your account, we divide time into periods called'billing cycles". Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. Ifyoudo so, this accountmay appearon the creditreport ofthat authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on your account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. If you notify us, we may close the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credit line may be used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page 1 of 6 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason, we may charge you an overlimit fee as described in this agreement. We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At our discretion, we may increase, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your credit line. A change to your credit line will not affect your obligation to pay us. International Transactions: International transactions include any transaction that you make in a foreign currency orthat you make outside of the United States of America even if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., wiff convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your card or account. We reserve the right to charge you an additional 3% of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. Refusal to Authorize Transactions: We may, but are not required to, decline a transaction on your account for any of the following reasons: • because of operational considerations, because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses if a transaction on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with an authorization system that we select. We will notify you if we want you to register. If you do not register, we may decline your online transactions. Refusal to Pay Checks. Each check you write is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies is the payee on the check. • Your credit line or cash advance portion of your credit line has been exceeded, or would be exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default or would be if we paid the check. Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you most not us at once by calling the Cardmember Service telephone number shown on your-Eard or billing statement. Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account. You may be liable if there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than 550.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identify for us the unauthorized charges from which you received no benefit. We may require you to provide us information in writing to help us find out what happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check, moneyorderor automatic debit that will be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked "paid in full" or with a similar notation or that you otherwise tender in full satisfaction of a disputed amount (conditional payments), must be sent to us at the conditional payments address listed on your monthly statement. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may accept the payment 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 by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly statements. e reserve the right to electronically collect your eligible payment checks, at first esentment and any representmem, from the bank account on which the check is awn. Our receipt of your payment checks is your authorization for us to collect e amount of the check electronically, or, if needed, by a draft drawn against the ink account. Payment checks will be collected electronically by sending the check tiount along with the check, routing and account numbers to your bank. Your bank :count may be debited as early as the same day we receive your payment. The ;iginal payment check will be destroyed and an image will be maintained in our :cords. linimum Payment: You agree to pay at least the minimum payment due, as shown n your billing statement, so that we receive it by the date and time payment is due. ou may pay more than the minimum payment due and may pay the full amount you we us at any time. If you have a balance that is subject to finance charges, the ooner you pay us, the less you will pay in finance charges because finance charges ccrue on your balance each day. our billing statement shows your beginning balance and your ending balance (the Vew Balance" on your billing statement). If the New Balance isSI0.00 or less, your linimum payment due will be the New Balance. Otherwise, it will be the largest of ne following: S10.00; 2% of the New Balance; orthe sum of 1% of the New Balance, otal billed periodic rate finance charges, and any billed late and overlimit fees. As )art of the minimum payment due, we also add any amount past due and any amount )ver your credit line. 'aymeni Allocation: You agree that we are authorized to allocate your payments ind credits in a way that is most favorable to or convenient for us. For example, you wthorize us to apply your payments and credits to balances with lower APRs (such is promotional APRs) before balances with higher APRs. ;redit Balances: You may request a refund of a credit balance at any time. We may educe the amount of any credit balance by the amount of new charges or fees billed c, your account. 4utomatic Charges: You may authorize a third party to automatically charge your account for repeat transactions Ifor example, monthly utility charges, memberships and insurance premiums). It automatic charges are stopped for any reason (including because your account is closed or suspended for any reason) or your account numberchanges, you are responsiblefor notifying the biller and payingthese charges directly. If your account number changes, we may, but are not required to, pay from your new account number charges that you authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account. If we do, we will notify you about the terms of the offer and how long they will be in effect. Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ("APRs') and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately. To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that apply to your account may vary with changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journal two business days before the Closing Date shown on your billing statement. The "Prime Rate" is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall Street Journal, H The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A "margin" is the percentage we add to the Prime Rate to calculate the APR. A "business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, if any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the minimum payment due by the date and time due. You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. 11 any of these events occurs, we may increase the APRs (including any promotional APR) on all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults on your account; other indications of your account usage and performance; information about your other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus, The default rate will take effect as of the first day of the billing cycle in which the default occurs. If we decide not to increase your APR even though there is a default or if we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associatedwith a different category of transactions (for example, purchases, balance transfers, balance transfer Checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations maycombine different categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdraft advances only if you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice, • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance, If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its 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. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rates and Fees Table. If it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. Foreach categorywe calculate an average daily balance (including newtransactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a category bythe applicable daily periodic rate, and multiplythe resultbythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except for minor variations due to rounding, Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, orfinance charge from the date it is added to yourdaily 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 ifwe receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or 'grace period' applies only to purchases and does not applyto balance transfers, balance transfer checks, rash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees forgalance Transfers: We may charge you a balance transferfee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers, These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may charge the following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether or not you use your account, and you agree to pay it when billed.The annual Page 2 of 6 CMA12762 embership fee is non-refundable unless you notify us that you wish to close your account ithin 30 days of the date we mail your billing statement on which the annual membership e is charged and at the same time, you pay your outstanding balance in full. Your payment the annual membership fee does not affect our right to close your account or limit your ght to make transactions on your account. If your account is closed by you or us, we ill continue to charge the annual membership fee until you payyour outstanding balance full and terminate your account relationship. ate Fee: If we do not receive at least the required minimum payment by the date and me it is due as shown on your billing statement for any billing cycle, we may charge the to fee shown in the Rates and Fees Table. If the late fee is based on a balance, we alculate the late fee using the Previous Balance on the current month's statement that hows the late fee. This balance is the same as the New Balance shown on the prior tonth's statement for which we did not receive at least the required minimum payment y the date and time it was due. tverlimit Fee: If your account balance is over your credit line at any time during a billing ycle, even if only for a day, we may charge an overlimit fee. We may charge this fee van if your balance is overthe credit line because of a finance charge orfee we imposed r a transaction we authorized. We will not charge more than one overlimit fee for any filling cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no iew transactions are made on your account, if your account balance still is over your :redit line at any time during the subsequent billing cycles. leturn Payment Fee: If (a) your payment check or similar instrument is not honored, (b) to automatic debit or other electronic payment is returned unpaid, or (c) we must return r payment check because it is not signed or cannot be processed, we may charge a eturn payment fee. ieturn Check Fee: If (a) we stop payment on a cash advance check or balance transfer :heck at your request, or (b) we refuse to pay a cash advance check or balance transfer :heck, we may charge a return check fee. 4dministrative Fees: If you request a copy of a billing statement, sales draft or other -ecord of your account or if you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents thatyou request for a billing dispute you may assertagainst us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at least the minimum amount due bythe date and time due as shown on your billing statement. • You exceed your credit line. • You fail to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us to believe that you may'oe unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be. six or more billing cycles past due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our righ's under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at any time for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to Ls upon request. You will continue to be responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTIO14 OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS INA COURT, BEFOREA JUDGE OR JURY, AND/DRTD PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORELIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the "FAA"), 9 U.S.C. §1-16 as it may be amended. This Arbitration Agreement sets forth the circumstances and procedures underwhich claims (as defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes ofthis Arbitration Agreement, "we", "us", and "our" also includes ourparent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we "us" and "our" shall include any third party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and on)y if, such a third party is named by you as a co-defendant in any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, anyprforCardmemberAgreement, your credit card Account orthe advertising, application or approval of your Account ("Claim"). This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, Common law, constitutional provision, or any legal theory of law such as respondeat superior, or anyother legal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement orthe validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a partyelectsto arbitrate a Claim,the arbitrationwill be conducted as an individual action. Neither you not we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that even if a class action lawsuit or other representative action, such as that in the form of a private attorney general action, is filed, any Claim between us related to the issues raised in such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be Consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4505, Web site: vvww.adr,org, 800-778-7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-forum.com, 800.474.2373. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitratorwill either be a lawyerwith at leastten years experience or a retired or formerjudge. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreementwill prevail.These procedures and rules may limitthe amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel.The arbitrator will take reasonable stepsto protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award inwriting but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of 5500 upon receipt of proof of payment. Additionally, if there is a hearing, we Page 3 of 6 CMA12762 i l l pay a'ny fees of the arbitrator and arbitration administrator for the first two days f that hearing. The payment of any such hearing fees by us will be made directly i the arbitration administrator selected by you or us pursuant to this Arbitration greement. All other fees will be allocated in keeping with the rules of the arbitration dministrator and applicable law. However, we will advance or reimburse filing fees nd other fees if the arbitration administrator or arbitrator determines there is good aason for requiring us to do so or you ask us and we determine there is good cause )r doing so. Each party will bear the expense of the fees and costs of that party's ttorneys, experts, witnesses, documents and other expenses, regardless of which arty prevails, for arbitration and any appeal (as permitted below), except that the rbitrator shall apply any applicable law in determining whether a party should ecover any or all fees and costs from another party. :nforcement, finality, appeals. Failure or any delay in enforcing this Arbitration agreement at anytime, or in connection with any particular Claims, will not constitute i waiver of any rights to require arbitration at a later time Orin connection with any )that Claims. Any decision rendered in such arbitration proceeding will be final and >inding on the parties, unless a party appeals in writing to the arbitration organization vithin 30 days of issuance of the award. The appeal must request a new arbitration refore a panel of three neutral arbitrators designated by the same arbitration xganization. The panel will reconsider all factual and legal issues anew, follow the came rules that apply to a proceeding using a single arbitrator, and make decisions )ased on the vote of the majority. Each party will bear their own fees, costs and axpenses for any appeal, but a party may recover any or all fees, costs and expenses Irom another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiated by you oron your behalf; and (iii) payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of any Change it required by applicable low. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. if you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have. reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections fromthe United States Postal Service. We may contact you about your account, including for customer service or collection, at any address o, telephone number as well as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, ouragents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information about you and your account within our family of companies, and with others outside our family of companies including any company or organization whose name or mark may appear on the cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and at least once each calendar yearthereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CAROMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you choose not to exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or notenforce any of our rights underthis agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMSAND ENFORCEMENT OFTHIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information aboutyour rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet atthe Cardmember Service address shown on your billing statement. Write to us as soon as 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 us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe thee rror and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. It 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 stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount againstyour credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amountthetwe think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboutyour bill. And, we musttell you the name of anyone we reported you to. We musttell anyone we reportyou to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first 550.00 of the questioned amount, even if your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 f you have a problem with the quality of property or services that you purchased with a :redit card, and you have tried in good faith to correct the problem with the merchant, ,ou may have the right not to pay the remaining amount due on the property of services. his right does not apply to check transactions. There are two limitations on this right: a) You must have made the purchase in your home state or, if not within your home state, vithin 100 miles of your current mailing address; and - b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. :opyright ©2007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unworn falsifications to authorities, that he/she is Steve Lichtenstadter (Name) Assistant Treasurer of Chase Bank USA, N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (SiTpiature) Steve Lichtenstadter W WR# Client Account # Name 0 C 'T T, 7ARY .,.? .5o Po FRTrY C?c qa8'7'7 !(o Sheriffs Office of Cumberland County R Thomas Kline Sheriff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor ?a??,?tr ut srRtt+Lrft??? OFFICE OF 7r4E --ERIr-P F1 ("E OF THE R-o , ; '?'vo , ,y 2009 0CT 20 A*l 9: ? 0 Chase Bank USA, N.A. Case Number vs. 2009-6934 Daniel Hauser SHERIFF'S RETURN OF SERVICE 10/16/2009 08:58 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on October 16, 2009 at 2058 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Daniel Hauser, by making known unto Jacquelynn Capinski, adult in charge at 36 Robin Court Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.00 SO ANSWERS, ?0OA040mme -100?1 October 19, 2009 R THOMAS KLINE, SHERIFF By. ? DepUfy Sheriff Written Statement Case No. 09-6934 Civil Term Cumberland County Court Plaintiff: Chase Bank USA, N.A. VS Defendant: Daniel C. Hauser Weltman, Weinberg, and Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Fax: 41-338-7130 November 16, 2009 Daniel C. Hauser 36 Robin Court Mechanicsburg, PA 17055 To Whom It May Concern, I am writing to explain the reason for joining Credit Solutions, and thus the reason you are attempting to collect a debt from me. The reason I have not paid these debt is not for any malicious reasons, it is because of lack of funds to pay them. A little over two years ago I moved to Mechanicsburg after graduating from college. Three months before I moved, my girlfriend, who I lived with, needed surgery and was unable to work, so I had to pay the full rent of our apartment, which was 1300 a month. We then moved into a new place in Mechanicsburg because I had just received my first teaching position. For the first 3 months at the new place, my girlfriend was unable to work, so I had to pay 1050 for rent each month. Then about two months later, she moved out and stuck me with 1050 rent for another year and a half. During this time, my dog was having some kidney problems and I had to pay over 1000 dollars in vet bills. All of these extra bills, along with my ordinary bills, were very overwhelming to my finances. I was forced to use my credit cards to pay regular bills and to buy groceries and things. I was able to move into a cheaper place with a roommate, and am trying to get my finances under control. I hired Credit Solutions to help me with this. I would like to work out a way to pay off my debts as soon as possible, so I can move on to debt free living. I am now working two jobs and trying to save as much money as I can to achieve these goals. Please work along with me and Credit Solutions to begin settling my debts. Thank you. Daniel C. Hauser I /IA, /?-0 o q 'F _ L OF TrE T1t 200,N V IS P 12' 28 BBL Z; ? ra 6'jUNTY PFNN YLVNtA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A, Plaintiff, Case No.: 09-6934 CIVILTERM vs. MOTION FOR SUMMARY JUDGMENT DANIEL HAUSER, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: ~ ~. c--- -- , , ''~ -=; -~ ~_~ Benjamin R Bibler, Esquire -- -'~, n Pa. LD.# 93598 -. cJ' ~ ' -- Weltman, Weinberg & Reis, Co ' ~' _ 1400 Koppers Building - _.._ ;''" ~ _ 436 Seventh Avenue `' _ ' 1 Pittsburgh, PA 15219 ~' ~ t '< (412) 434-7955 W WR No. 7716394 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A, Plaintiff, Case No.: 09-6934 CIVILTERM vs. MOTION FOR SUMMARY JUDGMENT DANIEL HAUSER, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $11,940.13 with interest at the interest rate of 6.00% per annum from September 25 2009, Attorneys Fees of $300.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around April 29 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he has made no payment on the credit card since WWR No. 7716394 March 17 2009; that he applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; that he has not submitted any written disputes as to billing inaccuracies; and that $12,752.42 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $12,752.42 with interest at the legal interest rate of 6.00% per annum from September 25 2009, Attorneys Fees of $300.00, and costs. Respectfully Submitted: By: Benja Bibler, Esquire Pa. I. .# 93 8 Weltm einberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 7716394 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: vs. DANIEL HAUSER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L_P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412} 434-7955 FAX: 412-338-7130 07716394 C J Pit KMJ r ~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE SANK USA, N.A. Plaintiff vs Civil Action No DANIEL HAUSER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend-against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO TX 78251 . 2. Defendant is adult individuals? residing at the address listed below: DANIEL HAUSER 36 ROBIN CT MECHANICSBURG, PA 17055 3. Defendant applied for and. received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX2520 4. Defendant made use of said credit card and has a current balance due of $11940.13 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. 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, the Plaintiff prays for judgment against Defendant , DANTEL HA.USER individually the amount of $11940.13 with continuing interest thereon at the statutory rate of 6.0000 per annum from September 25, 2009 plus attorneys fees of X300.00 and costs. amen 436 07716394 C J Pit KMJ Pitt (412 FAX: This law firm is a debt collector att our client and any information obtain ,.. , EINBERG & REIS CO., L.P_A: th Avenue, Suite 1400 h, PA 15219 4-7955 -338-7130 ng to collect this debt for 11 be used for that purpose. Payment Dua Date New E'atance Pass Due Amount Mlnlmum Paymene OT123lt)9 $71,940.13 $055.00 $2,052.13 Account number: 4266 8411 7579 2520 ` Mak. year check payabl. ,o: CWC ChasB Cafd $aMeaL. Reece vitae amount errdosed. New address u e-r+1e77 Pri+M on Oack. 426684117579252DQ!)205213D1194013000QOtJ9 [,,,IIL,,III,r,rL GII,r,,,dll,d„l.fl I,„I,JI,r,ILIh,,I 2sa7o aFx z+7so9 c DANIEL HAUSER 533 HERITAGE CT MECHANlCSBURG PA 17050.1857 CHASE !~ l,,rilLt„I„IrL,L,11,1,IJ,,,dl,id,.rIL,L6„11, ~1llrl CARDMEMSER SERVICE PO BOX f 5153 WILMINGTON OE 19896-6153 t: 5000 >,60 281: 203 1 L 7 574 25 20411' Statement Date: ~ p. ANfEWCAN ~ 05!29!09 - 08!28109 Manage your account oniinw. ~- KENNEL Cwts vrvnv.chase.conJcredkcardc Mlnlmum Payment: 52,052.13 Payment Due Dale: 07123!09 Addaionat contact tnh,nnation mnvenierhry located on reverse side ACCOUNT SUWIt+AARY VtSA Account Number: 4266 8411 75792520 Previous Balance $if,562.93 Total Cred'd Line ~ $11,000 Purchases; Cash, Debits +578.00 AvaAable Credit $0 Flnancs Charges +$29920 Cash Access Line $2,200 Now Balance 11,940.13 Available for Cash $0 The chargo ptivifeges on your cred'd card account have Deen revoked. You no longer have the abilky to use your ued'4 vrd accourn for purchases. We can help you gel back on track. Call t-800-955-8030 (colleA 1 x.02-594-8200} today. ACCOUNT ACTIVITY 1 Date of Transaction pAardlant Name or Transactlon Oescrioi3on un 0529 OVERLIMl7 FEE 39•W 06$28 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transacton Dally Perbdk Rate Corresp. Ave2ga Dally pue To Fee f Accumulated FlNANCE Category 31 days in cyGe APR Balance Periods Rate Service Charge Fin Charge CHARGES Purchases V .08216% 29.99% $5.506.53 5140.:5 $0.00 $D.00 51-00.25 Cash advances V .08218% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 8alanee transfer V .0821 B% 29.94% $6.240.77 $358.95 $0.00 $0.00 $158.95 Total Fnance charges $299' Eftectlve Annual Percentage Rate (APR}: 29.99% Please sae information Abovt Your Account sec0on for balance wmpvtadon method, grace period, and other Important informatbn The Corresponding APR'a the rata of interest you pay when you carry s balance on any transaction category. The Effective APR represenu your total finance charges -including va nsaClon fees such as cash advance and balance transfer fees -expressed as a pen:entage. ~~~ tl c 7716394 This Statement is a Facsimile -Not an original OOpa081 FIS,XS?35 C 0 080 N Z 7B 89r06/2e Pape 1 of 1 O8Da2 NA AtA 26870 179180008J80VtSa7081 ~( a1QMa?T ~, CIJrA12762 ~ar~r~t~rnE~er ~gre~~~~~ CCEPTANCE OFTHtS kGREEMFJtl7 his agreement governs your cradit card account with us referenced on the card carrier onto fining the card far this account. Any use of your a ccount is covered by this agreement. lease read the entire agreement and keep it for your retords. You authorize us to pay >r and charge your account far all transactions made on your account. Yau promise to ay us for alt transact"sons made on your account, as weft as anyfeasorfinance charges. this is a joint account, each o1 you, together andrndividua)ty, fs responsible far paying t1 amounts owed, even it the account is used by Doty one of you. We may raqu;re that ou pay the full'amouni owed without first asking the other person(s) to pay. lease sign the ba ck of your card when you receive it. Yau will be bound by Ibis a greement 'you or anyone authorized by you use your account for any purpose, even if you don't ign your card, Whether you use your a ccount or not, you wilt be bound by this agreement mtess you cancel your account within 3Q days after receiving your card and you have ,ot used your account for any purpose. hrougltout this agreement, the words "we','us"and "our" mean Chase Sank USA, NA., he issuer of your credit card and account. The words "you ;'your' and yours" mean al! to rson s responsible for complying with this agreement, including the person who appfied ar the account and the person to wham we address billing statements, as watt as any reason who agrees to be liable on the a ccount. The word "card' means one or more cards >r other access devices, such as account numbers, that we have issued to permit you a obtain credit under this agreement. 1SING YOURACCDUMT tour account is a consumer account and shall be used only for personal, family or touseholdpurposes. Unless we agree or is is required by law, we will not be responsible for merchandise or services purthased or leased through use of your account. You promise to use your account Doty forvalidand lawful transactions. For example, Internet gambling may ba illegal in some places. $ is not our responsibility to make sure that you srse your account only for permissible transactions, and you wit! remain responsible for paying for a transaction even it it is not permissible or contemplated under this agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services, • Checks: We may provide you cash advance checks of balance transfer checks as a way to use your account. We also refer to them in this agreement as a checY. or checks. Yau mayuse a checkto payforgoods orservices,totransferbalancestoyour account, ar for other uses we allow. But you may not use these checks to translar balances to flits account from outer accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the chock. Cash advance checks are treated as cash advances and balance transfer checks are heated as balance vansters except as noted in this agreement or any oflerwe make to you. We maytreat checks that we call conuenience checks as balance transfer checks, However, checks that we colt convenience checks and that we indicated to you are subject to the terms far cash advances, may be treated as cash advances and assessed cash advance rates and fees. • BalanceTranslers:Youmaytransferbalancesfromotheraccourttsarloanswithother credit card issuers orother lenders to this account, orother balance transfers we allow. But you may not translar balances to this account from other accounts with us or any of our related companies. H a portion of a requested balance transfer wilt exceed your available credif tine, we may process a partial balance transfer up to your available credit line. - Caslr Arjvances:You may use your card to getcash from automatic teller machines, or Irom financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash•fike charges; onto obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party servic a to make a payment on your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking' account with one of our related banks, you may fink This account to your checking account with our related bank to cover an overdraff on that chocking account under the terms of this agreement and your checking account agreement. 8ilfing Cycle; in order to manage your atcount, we divide time info periods called 'billing cycles'. Each bitting cycle is approximately one month in7ength, For each calendar month, your account wilt have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Authorized Users: if you allow someone to use your account, chat parson will be an authorized user, You may request an additional card for use by an authorized user on your account. Ilyou do so, this account may appearon the credit reportof thatautharized user, Yov should think carefully before allowing anyone to become an authorized user because you are allowing that person 1a use the account as you can. You vvitl remain responsible for the use al youraccount and each card issued onyour account according so the terms of this agreement. This includes your responsibility tar paying all charges on your account math: by an authorized user. You must nosily us to terminate an authorized user's permission to use your account. 11 you notify us, we may close she account andlor issue a new card or cards with a diflereni account number You should also recover and destroy any cards, checks or any other means of access to your account Irom that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to tfle tredit line as a credit Limit. Your billing statement may also show that only a portion of your credit line maybe used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page 1 of 6 of your account balance, including any tees and finance charges, and making sure it remains below your credit line. II your account balance is over your credit lino for any reason, we may charge you an overtimit fee as described in this agreement. We may, but are not required to, authorize charges that go over your credif Gne. You must pay any amount over your credit Gne, and you must pay us immediately ii we ask you to. This agreement applies to any balance on your account, including any balance over your credif line. At our discretion, we mayincrease, reduce, or cancel your credit fine, ortfte cash advance portion of your credit tine, at any time. However, if you have asked vs not to do so, we wilt not increase your credit line. A change to your credit line will not affectyour obligation to pay us. International Transactions: International trartsact)ons Include any transaction that you make in a foreign currency or that you make outside of the United States of America even if 'rt )s made in U.S. dollars. if you make a transaction in a foreign currency, trsa Iniemariana) or MasterCard International, Inc., will convert the transaction into U.S. doltarsbyusing its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that if selects either from the range of rates available in the wholesale currency markets far the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing dace maydiffer from the rata on the data you usedyovr card or account. We reserve the right to charge you an additional3% of the U.S. dotter amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted fa U.S. dollars by Asa or MasterCard, in eitfrer case, the 3%will ba caicu}ated on the U.S. dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. Refuse! to Authorize Transactions: We may, but are not required to, decline a Transaction on your atcount for any of the following reasons: • because of operational considerations, • because your account is in default, • if wa suspect fraudulent or unlawful activity or, • in•our discretion, for any other reason. We are oat responsible for any fosses it a transaction on your account is declined ter any reason, either by us or a third party, even it you have sufficient cradit available. For online transactions, wa may require that you register your account with an authorization system that we select. We will notify you it we want you to register. If you da not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your7equest ioriunds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but eta not required to, reject and return unpaid a check for any reason, including the following examples: • Wa or one of our related companies is the payee on the check. • Your ereditline or cash advance portion of your credit line has been exceeded, or would be exceeded if we paid the the ck. • The check ispost-dated. if apost-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default or would be it we paid the check_ Lost or Stolen Cards, Cheats or Account Numbers: 1! any card, chock, atcount number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on youf card or billing statemenE. Oo not use your account abet you notify vs, even it your card, check, account number or other moans to access your atcount is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, fheSt or unauthorized use related to your account, You may be liable it there is unauthorized use of your account from which you raceive no benefiE, but you will not be liable for more than SSO,DO of such transactions, and you will not be liable for any such transactions made after you notify us of the foss, theft or unauthorized use. Howaver,you must identify for us the unauthorized charges from which you received no benefit. We may require you to provide us inlormafian in writing to help us Lind out what happened. We may also require you to comply with certain procedures in connection wish our investigation. PAYMEf97S Payment Instructions: Your bil{ing statement and accompanying envelope include instructions you must follow for making payments and sets forth khe dale and time by which we must receive the payment, You agree to pay us amounts you owe in U.S, dollars drawn on lands on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic debit that wiff be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to )5 days abet we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked paid in full" or with a similar notation or that you otherwise tender in full saiisfac[ion of a disputed amount Iconditionaf payments), must be sent to us at the conditional payments address fisted on your monthly statement, We reserve all our rights regarding such payments. For example, if it is determined there is na valid dispute ar ii anysuch payment is received at any other address, we may accept the payment 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 by destroying it. All other payments that you make should be soot to the regular payment address shown on your monthly statements. ~~~~ 'e reserve the right to electronically collect your eligible payment checY.s, at first esertment and any representment, from the bank account an which the check is awn. Our receipt of your payment checY.s is your authorization for us to collect e amount of the check electronically, or, if needed, by a draft drawn against the ink account. Payment checks wilt be cailected electronically by sanding the check Haunt along with the check, routing and account numbers to your bank. Your bank count may be debited as early as the same day we receive your payment. The :fginal payment check will be destroyed and an image will be maintained in our rcords. lfnimum PaymenL• Yov agree fo pay at ieastthe minimum payment due, as shown n your billing statement, so that we receive it by the date and time payment is due, ou may pay more Phan the minimum payment duo and may pay the full amount you we us at any time. !i you have a balance that is subject to finance Charges, the ooner you pay us,the fens you wilt pay in finance charges becausefinancecharg~s ccrue on your balance each day. our hflling statement shows your beginning batanca and yourending balance ]the Vew Balance` on your billing statement). if the New Balance is SID.DO or less, your tinimvm payment due will be the Naw Balance. Dtherwise, it wilt ba the largest of ire fotfowrng: Sip.DO; 2°k of she Naw Balance; or the sum o1 1 °/ of the New Balanc e, olal bitted periodic rate finance charges, and any billed late and overlimit fens. As rartoithe minimum payment duo, we also add any amount past due and any amount rver your credit Ifne. °ayment Allocation: You agree that we are authorized to allocate your payments :nd credits in a way that is most favorable co or convenient for trs. For example, you tuthorize us to apply your payments and credits to balances witfi tower APRs isuch rs promotional APRs) before balances with higher APRs. :redit Balances: You may request a refund of a credit batanca at any lima. We may 'educe the amounf of any credit bafante by the amount ai new charges or lees billed o your account. 0.utomatic Charges: You may authorize a third party to automatically charge your account for repeat Uansactions ltor example, monthly utility charges, memberships and insurance premiums). if automatic charges are stopped for any reason {including because your account is closed or suspended far any reason} or your account numberchanges,yavore responsible for notifying the biller and payingthese charges directly, Jf your account number changes, we may, but are not requited to, pay from your new account number charges thatyouauthotized to be billed to your oSd account number, Promotions: From time to lime we may offer special terms for your account. !f we do, we will nobly you about the terms of the offer and how tong they will be in elf act. Arty promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates f"APRs") and the corresponding dailyperiodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately. Ta get the daily periodic rate we divide the APR by 365, and in effect always round up at the fiRb place to the right of the decimal point: Variable Rates: Dn a or more APRs that apply to your account mayvary with changes to the Prime Rate. When you Nava an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wa11 Street Journaltwo business days before the Closing Date shown on your billing ssatement. The "Prime Rate" is the highestiU.S.}Prime Aate published in the Money Rates settion of TheWagSrreerJournal. II The i/Va1lSFreetJournafstops publishing the Prime Aate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A "margin' is the percentage we add to the Prime Rate to calcviale the APR. A "business day" is any day that is Hat a weekend or federal holiday. The Rates and Fees Table shows which rates, it any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and correspan'ding APR. . Two business days beforo the Closing Date shown on your bitting statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. I{ our calculation results in a change to a daily periodic rate Iromthe previous billing cycle because the Prieto Rate has changed, the new rate will apply as of She first day of your billing cycle that ends in the calendar month in which we made the calculation. II the daily periodic rate increases you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related Companies for any of the following reasons: • We da not receive, for any payment that is owed on this account or any other account or loan with us, at feast the minimum payment due by [he date and time due. • You exceed your credit line on this account. • Yov make a payment to us that is not honored by your bank. It any o1 these events occurs,we may increase the APRs (including any promotional APRI on all balances (excluding overdrah advances] up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your detaalt rate: the length o! time your account has beep open, the existence, seriousness and timing of the defaults on your account; other indications of your account usage and performance; information about your other relationships with vs of any of out related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default race will take effect as of the first day of the billing cycle in which the default occurs. If we decide not to increase your APR even though there is a dofau}t or if we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for alt or selected balances on your account. Finance Charge Calculation -Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each batanca associatedwith a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance Checks, overdraft advances, and each promotion). These c alculations may combine different categories with the same daily periodic rates. This is how it works: We calculate perjodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance chocks, and overdraft advances by multiplying the daily balance tar each of those categories bythe deify periodic rate for each of those categories, each day. You may Nava overdraft advances only it you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges forpvrchases, balance transfers, balance transtar checks, rash advances, and cash advance checks subjectto a promotional rate the same way, but we use the pFOmotiona( rate. To get the daily bafante far each day for each category: • We take the beginning bafante for that day. • We add to that balance any new transactions, tees, other charges, and debit adjustments that apply to that category- We add a new purchase, cas4 advance, balance transfer or overdraft advance, if appiicable,to the dailyba)ance as olthe transaction date, or a later date o(our choice, We add a new cash advance check or balance iransier check to the daily bafanco as of the date the cash advance Check or balance iransier check is deposited by a payee, or a later date of our choice, • We subtract (ram that batanca any payments, credits, ar credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a bafante of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance, If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate That applies for the average daily batanca amount at the end o{ the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daffy compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day tluring That biAing cycle. Jiowever, if any periodic finance charge is due, we will Charge you at least the minimum periodic finance charge stated in the Rates and Fees Table. It it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total (finance charge an your account for a billing cycle will be the sum n1 the periodic finance Charges plus any transaction fee tinanca charges. For each categarywe calculate an average daily balance (including newtransaCtians) tot the biting cycle by adding all your daily balances and dividing chat amount by the number of days in the billing cycle. !f you multiply the average daily balance far a category bytheapplicab~e daily periodic rate, and multiplythe result by the number of days in the billing cytfe, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except For minorvariations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, tee, or finance charge from the date i[ is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on newputchases billed during a billing cycle ilwe receive payment of yavf Naw Balance by the dais and time your minimum payment is due and we received payment of your New Balance on your previous billing ssatement by the date and time your payment was due. This exception or "grace period' applies only to purchases and does not apply to balance transfers, balance transfer checks, rash advances, cash advance checks or overdraft advances, it applicable. Transaction Fees for Casfa Advances: VJe may charge you a cash advance fee in the amount stated in the Rates and fees Table for cash advance checks and Cash advances. In addition, i( you use a iltird Rarty service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the fee to the balance for the related category as ai the transaction date of the cash advance. For example, a transactiontea for a cash advance would be added to your cash advance balance. Transaction Fees forBalanceTransiers: We may Charge you a batanca transfer tee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges.lNe add the lea to the balance for the related category as of the transaction date of the balance transfer. For example, a Sransaction tee for a balance transfer would be added to your balance transfer bafante. OTHEA FEES AND CHARGES We may charge the following foes. The amounts of these tees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle- Annual Membership Fee: If your account has an annual membership fee, it wilt be billed each year or in monthly installments fas stated in the Rates and Fees Table), whether or Hat you use your account, and you agree to pay itwhen billed. The annual Pa rJe 2 of 5 GMAT 2762 embersttip fee isnon-re#undable unless trou notify us that you wish to close your account )thin 30 dayg of the date we mall your bitting statement on which the annual membership e is charged and a t the same time, you pay your outstanding balance in #ull. Your payment the annual membership fee doe's not affect our righttoclose your accountoriirnit your ght to make transactions on your account. If your account is closed by you or us, we ill continue to charge the annual membership fee untilyou payyour outstandingbalance full and terminate your account re}ationship. ate Fee: 1i we do not receive at least Fhe required minimum payment by the date and me iE is due as shown on your billing statement for any bii6ng cycle, we may charge the ,te fee shown in the Rates and fees Table. if the late fee is based on a balance, we alculate the Late fee using the Previous Balance on the current month's statement that bows the late fee. This balance is the same as the New Balance shown on the prior :onih's statement for which we did not receive at least the required minimum payment y the data and time if' was due. tverlimit Fee: If your account balance is over your credit Tina at any time during a billing ycle, even if only for a day, wa may charge an overlimft fee.lNe may charge this fee wen it your balance is overthe credit fine because of a finance charge orfeewe imposed .r a transaction we authorized. We will not charge more Fhan one overlimii fee for any ,filing cycle. But we may charge an overfimft fee in subsequent billing cycles, even if no raw transactions are made on your account, )(your account balance still is aver your :redit line at any time during the subsequent bitting cycles. return Payment Fee: 1f (a] your payment' check or similar instrument is not honored, (bi rn automatic debit or other electronic payment is reWrned unpaid, or (c) we must return t payment check because it is not signed or cannot be processed, we may charge a eturn payment fee. laturn Checlt Fee: ii (a) we stop payment on a cash advance check or balance transfer :heck atyour request, or (b] we refuse to pay a cash advance check or balance transfer :hack; we may charge a return check tae. 4dministrative Fees: 11 you request a copy o1 a billing statement, sales draft or other 'ecord of your account or it you request two or more cards or any specie) services {for example, obtaining cards on an expedited basis], we may chargeyou for these services. however, we wilt not charge you for copies of billing statements, sales drafts or similar documents thatyou request for a billing dispute youmay assert against us under applicab{e law. We may charge, tar any services listed above and other services we provide, the tees tram time to time in effect when we of#er the service. bEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • lNe do not receive at feast the minimum amount due bythe date and time due as shown on your billing statement. • You exceed your credit line, • You foil to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information tltal causes us to believe that you may be unwilling or unable to pay your debts to vs ar to others on time. • You fife far bankruptcy. • You become incapacitated or in the event of your death. ll we consider your account to be in default, we may close your accountwithout notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%I a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by taw, 'rf you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, wa may require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at any time for any reason witftout prior notice except as regtired by applicable law. li we close your account, we will not be liable to you for any consequences resulting horn closing your account or suspending your credit privileges. 11 you or we close your aecount, you and any authorized users must immediately stop using your account and destroy all cards, checks or other [Weans to access your account orreturn them to us upon request. You will continue 1o he responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your accoun! according la the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or al any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THiS AGREEMENT CAREFULLY, tT PROVIDES THAT ANY DISPUTE MAY 8E RESOLVED BY BINDING Rfl81i"flA710N. AABITRA7IDN REPLACES THE RIGHT TO GD TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION DR OTHER REPRESENTATIVE ACT10N IN COURT SUCH AS 7HA7 IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR Wtil YDU BE ABLE TO BRiNG ANY CLAIM IN ARBITRATION A5 A CLASS ACTIDIJ DR OTHER REPRESENTATIVE ACTION. YOU WILL NDT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT 8Y ANYONE ELSE, OR 8E REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF TIi1S ARBITRATION AGREEMENT, YOU P.ND WE MAY OTHEAVdiSE kAVE HAD A RlGH7 OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFDREA JUDGF. OR JURY,AND/DA TO PARTICIPATE OR 8E REPRESENTED IN A CASE HLED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS ANO OTHER REPRESENfiATiVE ACTIONS]. OTHER RIGHTS 7HA7 YOU WDL'LD HAVE IF YDU WENT TO A COURT, SUCii AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAYBE MDRELiMITEO. EXCEPTAS OTHERWISE f ROVtDED BELDW,THOSE RIGHTSARE WAIVED. binding Arbitration. This Arbitration Agreement is made pursuantto a transacrion involving interstate commerce, and shall be governed by and be eniorceab}e under the Federal Arbitration Act (the "fAA'], 9 U.S.C. §1-16 as ii may be amended, This Arbitration Agreemam sets forth the circumstances and procedures under which claims {as defined below) may be resolved by arbitration instead of being litigated in court Parties Covered- For the purposes of this Arbitration Agreement, "we ; "us",and "our" also includes our parent subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionaily,'we ; "us"and "ovi shalt include any third party providing benefits, services, or products in connection tvrth the RccounY(inciuding but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debtcollectors,and al) oftheir officers, direciars, employees, agents and representatives} if, and only it, such a third party is named by you as a codefendant in any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior CardmemberAgreement,your credit card Account or the advertising, appficafion or approval of your Account ('Claim"]. 71tis Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contracE, regulation, ordinance, ton, common law, constitutional provision, or any legal theory of law such as respondeat superior, or any other legator equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject tothisArbitrationAgreement include Claims regarding the appt;cabilityof this Arbitration Agreement or the validity of the entire Cardmembe r Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subjectia arbitration include Claims that are made as counterclaims, Dross claims, third party claims, interplaaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any pa rtY or pa rties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim shat iswithinthat court's jurisdiction and proceeds on an individual basis.lf a party elects to arbitrate a Glaim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shah have no authority to proceed on such basis.This means that even it a class action lawsuit orofher representative action, such asthaY inthe form of a private attorney genera! action, is Tiled, any Claim between us related to the issues raised in such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration wit! be consolidated whit any other arbitration proceeding without the consent of al! parties. The only Cfaimsthat may be joined in an individual action under this Arbitration Agreement are f l}those brought by vs against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or {2] those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. initiation of Arbitration. The pally {ifing a Claim in arbitration must choose one of the folbwing two arbitration administrators: American Arbitration Association; or National Arbitration Forum. Thane administrators are independent from us. The administrator does not conduct the zrbilratian. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is tiled, or at some other place to which you and we agree in writing. You may obtain copies of the current rules o€ each of (he two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting iha arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 1D, New York, NY 10017-4605, Web site: www.adrorg, BOO-778-)679; or National Arbitration Forum, P.0. Box 5D19t, Minneapolis, MN 554D5, Web site: rruvw.arbitration-lorum.com, BOO-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitratorwill either b¢ a lawyerwith at least ten years experience or a retired or former judge. The arbitration wilt be conducted under the applicable procedures and rules of tfte arbitration administrator that are in effect on the date the arbitration is tiled unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreementwilf prevail. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable. statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel The arbitrator will take reasonable steps to protectcustomer Account information and other coniidenlial inlormation, including Fhe use of protective orders to prohibit disclosure outsfdo the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relies provided !or under applicable law, and wilt not have the power to award relief to, against, or for the benefit of any person who fs not a party to Iha proceeding. II the law authorizes such relief, the arbitrator may award punitive damages or attorney ices. The arbitrator will make any award inwriting but need not provide a statement of reasons unless requested bye party. Upon a r¢quesl by you or us, the arbitrator twill provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration tiling fee paid by you up to the amount of 5500 upon receipt ci proof o! payment. Additionally, it there is a ]tearing, tae Pant 3 ~tsi CMAi2762 ~iti pay any fees of the arbitrator and arbitration administrator (or the first two days f that hearing. 7fie payment of any such hearing fees by us will be made directly i the arbitration administrator selected by you of us pursuant to this Arbitration greemenl.Alf other fees will be allocated in keeping with the rules of the arbitration dministrator and applicable law. However, we will advance or reimburse filing toes nd other tees if the arbitration administrator or arbitrator determines there is good aason far requiring us to do sa or you ask us and we determine there is good cause >r doing so. Each party will bear the expense of the fees and costs of that party's ttorneys, experts, vvimesses, documents and other expenses, regardless of which arty prevails, for arbitration and any appeal (as permitted below}, except that the rbitrator shall apply any applicable law in determining whether a party should ecover any or all fees and costs from another party. :nforcement finality, appeals. Failure or any delay in enforcing this Arbitration agreement at any time, or in connection with any particular Claims, wiil not constitute i waiver of any rights to require arbitration at a later fime or in connection with any rther Claims. Any decision rendered in such arbitratfon proceeding wilt be final and rinding on the parties, unless a party appeals in writing to the arbitration organization vithin 3D days of issuance of the award.7heappeal must request a now arbitration >efore a panel of three neutral arbitrators designated by the same arbitration >rganization. The panel wilt reconsider all factual and legal issues anew, follow the >ame rules that apply to a proceeding using a single arbitrator, zed make decisions used on the vote of the majority. Each party wilt bear their own tees, casts and expenses for any appeal, but a party may recover anyor all fees, costs and expenses from another party, it the majority of the panel of arbitrators, apph'ing appficabte law, sa determines. An award in arbitration will be enforceable as provided by the FAA cr other appficabte law by any court having jurisdiction. Severabifity, survival. This Arbitration Agreement shaA survive: li) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, suoh as the issuing of a new account number or the transferring of the balance in the Rccount to another account; (ii} the bankruptcy of any patty or any similar proceeding initiated by you or on your behalf; and (iiij payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TD THlS AGREEMENT Vtre can change this agreement at any time, regardless of whetheryou have access to your account, by adding, deleting, or modifying any provision. Dur right to zdd, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such is the nature, ertent, and enforcement of the rights and obligations you or we may Nava relating to this agreement. Modifications. additions, or deletions are Gaffed `Changes" or a'Change'. lNe will notify you of any Change ii required by applicable law. These Changes may be etiective with Halite Doty, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will desrribe any tights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify usrn writfng by a specified data if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if rt fs not already closedl and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. if yotr do not notify us in writfng by the date stared in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and elf Changes in prier notices we have sent you regardless a1 whether you have access to your account. CREOt7(NFDRMATlON 1rJe may periodically review your credit history by obtaining information from credis bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. Ii you request additional cards on your account [or others, we may report account information in your name as watt as in the names of those other people. it you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your biilirtD statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, it our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correctlhe report. li we disagree with you alter our investigation, we will tell you in writing or by telephone. lNe will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Dr, if this is a joint account, we can send billing statements and' notices to any joint account holder, Notice to ono of you will be considered notice to all of you and alt of you will remain obligated on the account. !f you change your name, address, or home, cellular or business telephone number or email address {if you elect to receive billing statements or other notices online}, you must notify us immediately in writing at the address shown on your billing statement We may, at our option, accept mailing address corrections (romthe United States Postal Service. )Ne may coma ct you aboutyour account, including Tor customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us. TELEPHONE Mi7NlTORfNG AND RECOft01NG We, and ii applicable, ouragents, may listenta and record your telephone callswith us, You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. 1NFDRMATiON SHARING You authorize unto share certain information aboutyou andyout account within our f amity of companies, and with others outside our family of companies including any company or organization wftose name o r mark may appear on the cards, as permitted by taw. Dur Privacy Policy, which is provided to you when you first receive an agreement and at feastonce each cafendaryearthereafter, describes ourfnformat'ron sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies nr organizations wiih}n and outside of our family of companies. 1LLlN01S CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharrng information to process your iranse coons or in response to a subpoena}. You hereby agree that, i1 you choose notto exercise the applicable opt outdescribed fn our Privacy Policy, you will be deemed to have authorized us to share personal iniormatianwe have aboutyou (including information related to any of the products or services you may have with any of our companies} with companies nr other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under This agreemenlwilhout losing our right to enforce them in the lutura. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in lull force. ASSIGWMENT VJe may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMSANO ENFORCEMENT DFTHISAGREEMENTANOYOUR ACCOUNT SHAIt BE GOVERNED AND INTERPRETED iN ACCORDANCE WITH FEDERAL 1JaW AND, TD THE EX7EN7 STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCtPLES. THE LAW DF DELAWARE, WHERE WE AtJD YDURACCOUNT ARE LOCATED, WILL APPLY ND MATTER WHERE YDU LIVE OR USE THE ACCOUNT. FOR tNFORMATfDN Please calf the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILL)NG RIGHTS Iteep This Notice For Future Use This nolica contains important information about your rights and our responsibilities under the Fair Credit Hitting AcL Notify Us fn Case Of Errors Or Questions About Your Bill If you Think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your biilino statement VJrite to us as soon as possible. 1Ne 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 witl Hat preserve your rights. In your letter, give us the following information: • Your Hama and account number. -The dollar amount of the suspected error. - Describe the error and explain, if you can, whyyou believe there is an error. li you need more information, describe the item you are not sure about. If you have authorized us lo.payyourcredit card biN automalfcally Irom your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 3D days, unless we Nava corrected fire error by then, Within 9D days, we must either correct the error or explain why we believe the bill was correct. Ater we receive your letter, we cannot try to collect any amount you question, or report you as delinquent We can continue to bill you !or the amount you question, including finance charges, and wa can apply any unpaid amount againstyour credit tine. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are Hat in question. tf we find that the made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we wilt send you a statement of the amount you owe and the date that it is due. If you fait to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within t0 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboutyourbill. And, we mvsttellyou the name of anyone We reported you to. We musttelt anyone we report yott to that the matter has been settled between us when it finally is. it we don't follow These rules, vve can't collect the first SSD.DD of the quast'soned amount, even if your bill was Correct. Special Rules for Credit Card Purchases Page fi of 6 CMAt2762 t yoti have a problem with the quality of property or services thatyou purchased with a :;edit card, end you have tried in good faith to correct the problem with the merchant, •ou may have the right not to pay the remaining amount due on the property or services. "his right does nat apply to check transactions. There are two limitations on this right: a! You must have made the purchase in your home state or, if notvvrthin your home state, within 1DD mites of your current mailing address; and b) The purchase price must have been more tfian sSD.DD. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. copyright ®2007 JPMorgan Chase & Co. Atl rights reserved. Page 5 of 6 CMA72762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C,S. §4904 relating to unsworn falsifications to authorities, that he/she is Steve Lichtenstadter (Name} Assistant Treasurer of Chase Bank U5A. N.A. ,plaintiff herein, that (Tine) (Company) he/she is duty authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. ~;, ' gnature) Steve Lichtenstadter W WR# Client Account # Name Weltman, Weinberg, and Reis Cq_, L,P.A 436 Seventh Avenue, Sulte 1400 Pittsburgh, PA 1521.9 l~ax~ 41x338-7130 No. 09-6934 Civil Term To Whom It May Concern, November S, 2009 Da~aiel C, Hauser 36 Robin Court Mechanicsburg, PA 17055 i am writing to explain the reason for josning Credit Solutions, and thus the reason you are attempting to collect a debt from roe. The reason Y have not paid these debt is not for any malicious reasons, it is because of lack bf funds to pay them A little over two years ago I moved to Mechanicsburg after graduating from college. Three months before I moved, my girlfriend, who i lived. with, needed surgery and was unable to work, so T had to pay the full rent of our apartment, which was 1304 a month. We then moved into a new place in Mechanicsburg because Z had just received my first teaching position. laor the first 3 rnozrths at the new place, my girlfriend was unable to work, so T had to pay 1050 for rein each month, !'hen about two mo~rths later, she moved out and stuck me with 1050 rent for another year and a half. During this time, my dog was having some kidney problems and I had to pay over 1000 dollars in vet bills. All of these extra bills, along with my ordinary bills, were very Overwhelming tv my finances. 1 was forced to use my credit cards to pay regular bills and to buy groceries and things. I was able to move into a cheaper place wi#h a roommate, and a;m trying tv get my finances under control. I hired Credit Solutions to help me with this. I would like to work out a way to pay affmy debts as soon as passible, so i can move on to debt free living. I aon now working two jabs aztd trying to save as,sntxc ney as I can to achieve thes® goals. Please work slang with me ~d-Cre~it Solutions`tc~ be " settling nny debts, Thank you. Daniel C. Hauser ~ ~,~- 1 id Wd9~:b0 6002 S0 '^oN Z~9Z-t69-Z~Z: 'ON Xdd too4oS 46tH aoiuaS QSJHW: W0~1d ~ ~ ~ ~~~~s { ~ ~er'SOnal Month~~ I3u~q~tet { Gras . $2,500.00 Total Monthly Table Nome ACtu41 Monthly Income Gras~/Take name - M2 $e00.00 Tptpl Currant Cost Total mpmhly.income 53,800.00 Exaesa lt~come MO~JSING . Currprtt foot Nptss - -_-.- Mo~age. $45000 ...,..,... -- 2nd Mortgdge . . SD Db -~ - "'. ,- ._ _-.__ . -__ EMctrit . . ~~ ,. $50.40 . , . . Water/Sewetr .. y. $O.W - . , Naturek Gas / RII •^^$Q.QQ . ..-...-.._. .. ,.,. waste rumaval .. .,......r,.~.- 50.00 Cable. / Phone/ lnterrtet 70:00 Ce6 Phan $BS.00 - Sutics & Mbltanance _ -, $30.00 ---- -- other - $0.00 Toeel: $db5.~ TRANSRORTATtON Current Cast - Nohfc Vehicle Paytnent ~~---- - -- $303.tk3 ~-~--- Vehide Payment 12ndj -----$0.00 - Bus/Taxi Fare -~- $0.00 ----_ T -- _ Insurance _ Llcon6ing - ~- _ _ __ _ _ $72.00 __ _ 50.00 _ --._- .-..-. _. -- Garotlne_ ... , ~ -._._ __ $60.D0 .-- Mointenance . __. .-- other - -. $ZD-OA $0.00 Tntek ~45s,gq INSURANCE NpmeaWners CwterR Coat $0.00 Notes _ . ._ . . _ _ , ,~ . . _Heakh .. r .,..,..._.`..._.-,._ $'25.00 _ . .., . . .... ... .__ biaablllty .. .. 50 00 ... .. .... . . ---.. -T--- Other - -5000 ..........~...... _,...,. Tatel: $25.Q0 FOgO 8, 6RQCERIE'9 -..-,......~ - Curretk Coat . ..wu.. Natva ..~ ..---- -- Grgceries -~------ $100.OQ Dining out S20.oD .,, ,. . . .. , ..._..--- --- Pat _._,.,.._.. __ . _. ... .-----_ ~~~~ - Other . $O.Op ......-_...-_... Total: $28S,Q0 pROFF~510NAL FEES ~ ~ Current Cast Note. ...~ . . -- . , . Eyt Cgre N.~y- ------ _ -- -.......-~----- VeNrlnarian . - ,..--_ .--- r. .. .~. Attorney ...~ $D.00 Rharmecy/Medicine _.., -^~ . Other ,._ _ _ Y$0.00 ~ . __ . Other _......_.~__ $0.00 ~_.....,.-. Total: Sp;Op $4.300.00 X3,645.00 -S245A0 EN7$tiTAINMENTS.TRAVEL -- Clrtrerrttaet Noter vtdep/pVD - .-~ . " -- - - CD's Concerts ..___.. .,..,.,.......w..- _....,, tivo theater -- X0.00 ...~...,...,_._,..,._,...W~.,. 50.00 ........._..__~_..-._.....~W Motifes - spartbtg 6vents...,...__..,.. ,,. _-,. _ ~...w,..........,._ .........._.....W....__. Travel._.._-.-_T~ _._w Other - -- - ...._...._...,.. ..SOAa .._-,. ___ __ _ ~~ Other -- $0.00 ~~ _ Other $0.00 Total: ~O.Qq G.Ol'RING, MATt'ISIAI, ~ MISC Currept CDrt ---- .~ Notes ~..~._,..,..._...~..~......,... Purchases __ - 520.00 -- ___ Clraning and repair - -^ _-.`.. $0.0_0 -- V --- - - Hair/naib 50.00 . . tlealthdub - __._... ..._. So.vD -. ~,_ Drgbnltationel dues or fee~.r $0.00 Credk solutions tees $120.04 -- - Other other $0_QO $D.00 Total: S#AO.Oq LOANS OR RAVMP.NTS CurMq! Coat - ~ Notes -.-- IRS m..... .,..,....,......,...,........ - - --- $D.OD ---- -- _ HQme aquky .T.-....- $0.00 -'-,-- Setdtmentpayment $790.W 3ZUdent laAns $7165•PD - ---- Total; $8s5.00 TAxES lLrrerrtCost Npte^ - Federal ---- S0.D0 ~ State -awl . $Q.W ----- S0.00 - _.~ - Other AO ~.-_.._-._.. _ Total: $.2,124.00 LEGAL [1811GATlONS ANp Mkt ort.~.__..__~......_ Alimony/ChAdsupp Ctlrront Cost _.__.__..~.~~.OP _ _ _ Nate_a ~ -- _ Payments on Ben pr judgment - $0.00 _ , _._... Qther -- ,.......,.._.....-.__. $0.00 - --~-.- Other . ._....,, .~.~ ----- - - . . -- --- Otfier - ~ - .~~,„~ ..,~. , - - - Other -- .. ... -------- , _ - $0.00 , _ .............._ ,.. . . t7ther ------ SO.bD Total: $0.00 Zd Wd9~ : b0 60aZ S0 ' noN Z~9L-I69-Z I Z : 'ON Xd.~ I ooWoS y6 t H eat uaS QStJHW : WO~Id fN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, N.A. Plaintiff, b. DANIEL HAUSER Defendant. NO.: 09-6934 CIVILTERM PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Submitted by: Lyndsay Rowland, Esquire PA LD. #205520 WELTMAN, WEINBERG & REIS CO_, L.P.A. 1400 Koppers Building 436 Seventh Ave~7ue Pittsburgh, PA 15219 (412)434-7955 .~'`~ i IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, N.A., Plaintiff, v. NO.: 09-6934 CIVILTERM DANIEL HAUSER, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each pact or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any differe»t capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known emp]oyers; D. The words "identity", "identify" "identification", wlien used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the names} of the addressee or addressees if any and the name(s) and address(es) of each erson who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occun•ed; (2) identi each and every erson s participating in such an act; (3) identi all other erson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the erson s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fiilly described. in the pleading in this case. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or paiTy, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OP DOCUMENTS 2: Produce any and all docwnents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. I: Defendant applied for the credit card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. I is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: The attached monthly statements, from October 1, 2007 through October 28, 2009, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: Defendant has made no payment on the credit card since March 17, 2009. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. VEST FOR ADMISSION NO. 5: $12,752.42 is a correct and accurate current balance of the credit card account in question Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND A Y INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. ~ ., L~n spay l~ow]and' Esf~uire PA .D. #205520 WELTMAN, Vlf INBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412}434-7955 WWR:7716394 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the ~~~ day of 1~~, 2010, upon the following: Daniel Hauser 36 Robin Ct Mechanicsburg, PA 17055-4340 1,yn say ttowiana~ tsquire PA .D. #205520 WELTMAN, WEINBERG & REIS CO., L:P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 CMA12762 Cardrnember Agreement ACCEPTANCE OFTHIS AGREEMENT This agreement governs your credit card accountwith us referenced on the card carrier cantainirig the card for this account Any use of your account is covered by this agreement. Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for aA r~ansactions made on your account. Yau promise to pay us for alltransactionsmade onyour account, as well as ertylees or finance charges. ti this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one vi you. We may require that you pay the full arnovnt awed without first asking the other persons} to pay. Please sign the back of your card when you receive it. You wilt be bound by this agreement it you or anyone authorize) by you use your account for any purpose, even if you don't sign your card. Whether you use your account or not, youwill be bound by this agreement unless you cancel your account within 3D days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" end'our" mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you`, "your" and "yours' mean all persons responsible for complyingwith this agreement, including the personwho applied for the account and the person to whom wo address billing statements, as well as any person who agrees to be liable on the account. Theword'card' means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCDUN7 Your account is a consumer account and shalt be used only for personal, family or household purposes. Unless wa agree or it is required by law, we will not be responsible for merchandise or services purchased or teased through use of your account. You promise ro use your accountanly forvalid and lawful transactions. For example, Internet gambling maybe illegal in some places, 11 is not our responsibility to make sera that you use your account only for permissible transactions, and you wilt remain responsible far paying for a transaction even if it is not permissible or contemplated under this agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Clteclts; We may provide you cash advance checks or balance transfer checks es a way to use your account. We also refer to them in this ayreement as a check or checks. You may use a check to pay for goods or services, to transfer balances to your account, or for ether uses we allow. But you may not use these checks to transfer balances to this account item other accounts with us or any of our related companies. Only the person whose name is printed on the check ntaysign the checY., Cash advance checks era treated as cash advances and balance transfer checks are treated as balance transfers except as Hated in this agreement or any otter we make to you. We may treat checks that we call cartveniance checks as balance transfer checks. However, checks that we calf tonvenience checks and that we indicated to you are subject to the terms (or cash advances, maybe treated as cash advances and assessed cash advance rates and fees. • Balance Transfers: You maytransfer balances from other accounts or loanswilh other credit card issuers or usher lenders to this account, orotherbalanca transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. tl a portion of a requested baianca transfer will exceed your available credit line, we may process a partialbalance transfer up to your available credit line, • Cash Advances: You may use your Lard to gat cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign ' r orsimilarcash-like charges; or to obtainlattery tickets, casino gaming chips, race track wagers or for stm ar ettrng ransac r may also use a Yhird parry service to make a payment on your behalf and bill the payment to this account. • Dverdratt Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank so cover an overdrah on that checking account trndar the terms of this agreement and your checking account agreement. Bitting Cycle: In order to manage your account, we divide time iota periods called "billing cycles : Eaclt billing cycle is approximately one monthin length, For each calendar rnanth, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or Pot there is a billing statement Ivr that bitting Cycle. Authorized Users; II you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. If you do so, this account may appear on she credit capon o1 that authorized user. YoU should Think carefully before allowing anyone to become en authorized user because you are allowing that person to use the account es yeu can, You will remain responsible for the use o(your account and each card issued on your account according !o the terms of this agreement. This includes your responsibility for paying alt charges on Your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. It you notify us,we may close the account andJor issue a new card rrr cardswith a different account number. You should also recover and destroy any cards, checks or any other means o1 access to your account born that authorized user. Credit tine; Yaur credit line appears on your billing statements.4Ve may also refer to the credit line as a credit limit. Your billing statement may also show Chat only a portion oT your cred;tline may be used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other Ira nsactions arp charged against your credit Tine. You are responsible tot keeping track 01 your arcounr balance, including any fees and finance charges, and making sure it remains below your Credit line. It your account balance is over your credit line for any reason, we may charge you an overiimit fee as described in this agreement. We may, but are na1 required to, authorize charges lhat•go over your credit tine. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. this agreement applies to any balance on your arcounr, including any balance over your credit }inc. At ourdiscretion, we may increase, reduce, or cancelyour credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your credit line. A change to your credit line will not affect your obligation to pay us, International Transactions: International transactions include any transaction that you make fn a ioreiyn currency orthat you make outside of the United States of America even i1 it is made in U.S. dollars. ff you make a transaction in a foreign currency, Vsa international or MasterCard Internaffonal, hu., wilt convert the transaction into U.S. dollars by using its respective currency conversion procedures, The exchange rata ea cif entity uses to convert currency is a rate that it selects either from the range of tares available in the wholesale currency markets for the applicable processing date (which rate may vary from the rata the respective entity itself receivesl, or the gvvesnment-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing date may differ front rho rate on the date you used your card or account. We reserve the right to charge you an additional3%of the U.S. dollar amount of any international transaction, whether that Iransactlon was originally made in U.S. dollars ar was made in another currency and converted to U.S, dollars by Visa or MasterCard. In either case, the 3%will be calculated ort the U.S. dollar amount provided to us by that entity, The same process and charges may apply it any international transaction is reversed. Refusal toRutharizeTransattfons: We may, bW are not required ta, decline a transaction onyour account for any of the following reasons: • because of operational considerations, • because your account is tit default, • it we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses ff a transaction onyour account is declined !or any reason, either by us or a third party, even it you have sufficient credo available. For online transactions, we may require that you register your account with an authorization system that we select. We will nobly you ii we want yotr to register. t{you do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your request for funds- Whan we receive a check for payment, we may review your account to deride whether to authorize that check. We may, but era not required to, rojed and return unpaid a checY, for any reason, lncludingihefoliowing examples: • We or one of our refaced companies is the payee on the check. • Yvur credit line of cash advance portion of your credit line has been exceeded, ur would be erceeded if we paid the check. • The checkispost-dated. If apost-dated check is paid, resulting itt another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default or would be if we paid the check.. Lost or Sloterr Cards, Checks or Amount Numbers: ((any card, check, account number or other means to access your account is lost or stolen, or you chink someone used or may use them whhoui your permission, you must notify us et voce by calliny the Cardmamber Service telephone number shown on your card or billing statement, Do not use your account attar you notify us, even i1 your card, check, account number or other means to access your account is luund or returned. We may terminate or suspend your --srsdit~•rtv'trge~~nr, yny noij~rs of env ioss~[hett or unauthorized use related to your account. You maybe liable i1 there is unauthorized use of your aurount from which you receive no benefit, but you vvfli not be liable for more than 550.00 of such transactions, and you will no! be liable for any such transactions made after you notify us of the loss, tttelt or unauthorized use. However, you must identify for us the unauthorized charges }torn which you received no benefit- We ma} require you to provide us information in writing to help us Lind out what happened. We may also require you to comply with certain prvicedwes in connection with our investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying em~alope include instructions you must follow for making payments and sets forth rho date and time by which we must receive the payment, You agrue to pay us amounts you owe in U.S. defiers drawn vn funds on deposit in a U.S. financial institution or the U.S. branch of a loraigrt financial institution using a payment check, money order or automatic debit that will be processed or honored by your financial inslitulinn, We will not accept cash payments. Your total available credit may not be restored for up to 15 days attar we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked "paid in full' or with a similar notation orthat you otherwise tender in Tuft sa isfaction of a disputed amount jconditional payments), musf ba sent to us at the conditbaal payments address listed on your monthly statement. We reserve all our riyhts regarding such payments. For example, if ii is determined there is no valid dispute or i1 any such payment is received at any other address, we may accept the payment and you will stilt owe any remaining balance. We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly staramenls. Page 1 alb We reserve the right to elecuonically collect your eligible payment checks, at first presanimentand any representment, from the bent, account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount ai the check electronically, or, if needed, by a drah dream against the bank account. Payment cheeks will be collected electronically bysending the check amount along with the check, routing and aecoun[ numbers to your bank.Your bank account may be debited as early as the same day we receive your payment. She original paymen! check will be destroyed and an image wilt be maintained in our records. Minimum Payment: You agree fo pay ai least the minimum payment due, as shown on your biying statement, so that we receive it by the dzte ahd time payment is due. You may pay more than the minimum payment due and may pay [he full amount you owe us at any time. R you have a balance that is subject to Tinance charges, the sooner you pay us, the less you wilt pay fn linante charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance )the 'New Balance' on your billing statement).1(the New Balance is S16.OD or less, your minimum payment due will be the New Balance. Otherwise, it wilt be the largest of rite toilawing: SlO.OD; 2% of the tJt:w Balance; or the sum of 1%, of the New Balance, total billed periodic rate finance charges, and any billed late and overlimit fees. As pan of the minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or Convenient for us. For example, you authorize us to applyyour payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Bareness: You n>ay request a refund o1 a credit balance at any lime. We may reduce the amount of any credit balance bythe amount of new charges orfees billed to your account. Aulorttatic Charges: You may authorize a third party to autontaticaSly charge your account for repeat transactions (for example, monthly utility charges, memberships and insurance premiums).II automatic charges are stopped for anyreason (including because your account is closod or suspended for any reason) or your account number changes, you are responsible for notifying the biller and payingtttese charges directly. If your account number thahges, we may, but are not required to, pay Irom your new account number chargesthat you authorized to be billed to your ofd account number, Promotions: From time to time we may offer special terms !or your account. li we do, we will notify you about the teens o1 the otter a nd how long they will be in effect. Any promotion is subject to the terms of Fhis agreement, as modified by the promotional offer, FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rases ("APRs"1 and cha corresponding daily periodic rates are listed on the Rates and fees Table that is at the end of this document or provided separately. To get the daily periodic rata we divide the APR by 365, and in effect always round up at the (ihh place to the right of the decimal point. Variable Rates; One or more APRs that apply to your account may vary with changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APO by adding a margin to the Prime Rate published in The Wall Street Journaltwo business days before the Closing Date shown onyour billing statement. The "Prime Aate" is the highest {U.S.) Prime Rate published in the Money Rates section of TheWatl StreerJuurnaf. If The Waft Street Journalsiops publishing the Prime Rate, we will select a similar reference rata and inform you onyour billing statement or through a separate notice. margin rs to "business day" is any day that is not a weekend or federal holiday. Tha Rotas end Fees Table shows which rotas, i1 any, are variable rates. It also fists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown onyour billing statement, we see what the Prime Aata is. We then add the applicable margin to that Prime Rata to yet the APR, The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate Irom the previous billing cycle because the Prima Rate has changed, the new rate will apply as of the first Jay of your bitting cycle that ends in the calendar month in which we made the calculation. 11 the daily periodic rate inereases,you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary iE you are in default under this agreement or any other agreement you have with us or any of our related companies for any o! the following reasons: • We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the m'snimum payment due by the date and time dUB. • You exceed your credit line on [his account. • You make a payment to us that is not honored by your bank, !! any of these events occurs, we may increase the APRs (including anypromotionat APR) on alt balances !excluding overdraft advances)up to a maximum of the default rate stated in the Rotas and Fees Table. Ws may consider the following factors to determine your default rate: the length o1 time your account has been open, the existence, seriousness and timing of the defaults onyour account, other indications 01 your account usage and performance; information about your other relationships wrth rrs or any a1 our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate wilt taP.e effect as of the first day of the billing cycle in which the default occurs. If we decide na1 to Increrse your APR even though there is a default or it wa do not increase your APR up to the maximum default rare stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates far all or selected balances on your account. Frnance Charge Calculation -Average Daily Galante MetFtod {including New Transactions}: We calculate periodic finance charges separately far each balance associated with a different category of transactions ({or example, purchases, bola n ce transfers, balance transfer dhecks, cash advances, cash advance checks, overdraft advances,and eachpromotion).7hesecalculations maycombine different categories with the same deify periodic rates. This is how it works: We calculate periodic finance charges far purchases, balance transfers, balance transfer thecks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic taro for each of those categories, each day. You may have overdraft advances only it you have linked this account to a checking account with one of our related banks. We calculate Iha periodic finance charges for purchases, balance transfers, balance transfer checks, cash advent es, and cash advance checks subject to a promotional rate the same way, but wo use the promotional rate. 7o get ilre daily balance tar each day for each category: • We take the beginning bola nee for that day. • We add ro Ihat balance any new transactions, fees, other charges, and debit adjustments that apply to that category. Vye add a new purchase, cash advance, balance transfer or avetdraftadvante, rt applicable, to the daily balance as a1 iha transaction date, or a later dais of our choice. We add a new cash advance check or balance transfer check to the daily balance as of [he date the cash advance check or balance transfer check is deposited by a payee, or a Voter date of our choice, • We subtract from that balance any payments, credits, or credit adjustments Ihat apply tothatcategory and tha[are credited as of that day. • We treat a credit balance as a balance of zero. Ta get the beginning balance for each category Sor the next day, we add [he daffy periodic finance charge to the daily balance, 1f more Than one daily poriodic rate could apply to a cateyory because the rate for the category may'vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount atthe end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides far deity compounding of finance charges. To get the !oral periodic finance charge for the billing cycle, we add aR of the daily periodic finance charges for each category for each day daring that billing cycle. However, if any periodic fi»a»ce charge is due, we will charge you at least the minimum periodic finance charge staled inthe Rates and Fees Table. I(itis necessary to add an additional amount to reach the minimum tinanco charge, we add that amount to the balance for purchases made during the billing cycle. The total finance chorge on your account (or a bil)ing cycle will be the sum of the periodic finance charges plus any transaction fee finance charyes. Far each categorywe calculate an average daily balanc a (including r,ew transactions) for the billing cycle by adding off your daily balances and dividing that amount by the number of days in the billing cycle. I! you multiply the averaye daily balance for a category by the applicable doily periodic rate, and multiply the result by the number of days in the billing cycle, the total wilt equal the periodic finance charyes for ttrat balance ahributable to that billing cycle, except for minor variations due to rounding. Grace Period andAccrual of Firtartce Charges; We accrue periodic finance charges one transaction, fee, or financ a 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 poriodic finance charges vn newpurchases bitted during a billing cycle ifwe receive payment of your ew a ante y mnnp~ays»erri-ia-due-sad-are_ received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or 'grace period' applies only to purchases and does not ayply to balance transfers, balance tra osier checks, ca sh advances, cash advance checks or overdraft advances, if applicable. Transaction Fees tar Cash Rdvances; We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, it you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may drarge a transaction lee for the payment. These Iransactlon foes are Tinance charges. We add [he fee to rho balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction fees fari3alnnce Transfers: Vtre may cha rge you a balance transfer lee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the fee to the balance for the related category as of cha transaction date o! the balance transfer, For example, a transaction fee for a balance transfer would be added to your balance transfer balance. DTHER FEES AND CHARGES We may charge the following fees. The amounts otthese tees ere listed inthe Rates and Fees 7ab1e.7hesefees will be added to the balance for purchases made during the billing cycle. Annual Membership fee: 1f your account has an annual membership lee, it will be billed each year or in monthly installrnonts tae stated in the Rates and Fees Tab(eI, whether or not you use your a ccount, and you ayre s to pay it when billed. Tire annual Page Z ot6 Cf/IA12)fi2 ~: ' membershipfieeisnon-refundable unless you notify us that you wish toclosayouraccount within 30 days of the date we mail your billing statement on which lfte annual membership fee is charged and at the sometime,you payyour outstandingbalance in full. Your payment vl the annual membership fee does not affect our right to close your account or limit your rightto make transactions on your account. If your account is closed by you os us, we will continue to charge the annual membership lee until you payyour outstanding balance in full and terminate your account relationship. Late Fae: if we do not receive at Least the required minimum payment by the date and time it Is duy as shown on your billing statement for arty billing cycle, we may charge the tare fee shown in the Rates and Feas Table. If the late fee is based on a balance, we calculate the late fee using the Previous Balance an the currant month's statement that shows the late tee. This balance is the same as the New Balance shovun on the prior month's statement for which we did not receive at lezst the required minimum payment by the date and time it was due. Overlimit Fee: If your account balance is over your credit line at anytime during a billing cycle, even it only (or a day, we may charge an overlimit tae. We may charge this lee even if your balance is over the credit line because o1 a finance charge or tae we imposed or a transaction we authorized. We will not charge more than one overlimit lee for any billing cycle, But we may charge an overlimit lee in subsequent billing cycles, even it ho new transactions are made on your account, if your account balance still is aver your credit line at any time during the subsequent bilfing cycles. Return Payment Fee: If la- your payment check or similar instrument is not ftonored, Ib) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return paymerit lee, Return Check fee: if (al we stop payment on a cash advance check or balance transfer check at your request, or (bi we refuse to pay a cash advance check or balance transfer check, we may charge a return check tae. Administrative Fees: [f you request a copy of a billi»g statement, sales draft or other record of your account or II you request two or more cards or any special services lfor example, obtaining cards un an expedited basis}, we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents thatyou requestfor a billing dispute you may assenagainstusunderapplicable law. We may charge, for any services listed above and other services we provide, the lees from limo to time in effect when we offer the service. DEFAULT/COLLECTION We may consideryou to be in default ii any of these occurs: • We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. • You exceed your credit line. • You fait to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us [o believe that you may be unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. II we Consider your account to be in default, we may close your account without notice and require you to payyout unpaid balance immedialely.Wa alsomay require you to pay interest at the rate of two percent {2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by Iew, it you are in default because you have tailed to pay us, you will pay our cogectioh costs, attorneys' fees, court costs, and ell other expenses of enforcing our rights untierthis agreement. CLOSING YOUR ACCOUNT You may close your account at any time. II you call us to close your account, we may rvgwre a yv c ~ • - INe may close your account at any lima or suspend your Credit privileges at any time for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for anY consequences resulting from olosing your account or suspending your credit privileges. li you or troe close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return t}tem to us upon request. You will continue to be responsible (or chargesto your account, even if they arc made or processed aher your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION RGRI:EMEN7 PLEASE READ 7H15 AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY 8E RCSOLVEO BY BINDING ARBITRATION. ARRITRATIDN REPtACESTHE RIGHT TO GO TO COURT, YOU WILL NOT BE ABLE 7D BRING A CLASS ACT10N OR OTHER REPRESENTATIVE ACTION 1N COURT SUCH AS THAT IN THE FORM DF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YDU BE ABLE TO BRING ANY CLAIM ltd ARBITRATION AS A CLASS ACTION DR OTHER REPRESENTATIVE ACTION. YOU WILL NDT BE ABLE TO BE PART DFANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OH BE REPRESENTED IN A CLASS ACTIOIJ DR OTHER IiEPRESEN7ATIVE ACTION. IIJ THE ABSENCE OF THIS ARBITRA710N AGREEMENT, YOU AND WE MAY OTHERWISE HAV£ HAD A RIGHT DR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JUflY,AND/DR TO PARTICIPATE Ofl BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS IIIJCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YDU WOULD HAVE IF YDU WENT TO A COURT. SUCH AS DSSCDVERY OR THE RIGHT TD APPEAL THE DECISION MAY BE iJlORE LHNIT£D. EXCEPT AS OTHERWISE PROVIDED BF.LOW,7HOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitradon Act (the'FAA'j, 9 U.S.C. fit • I6 3s it may be amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims las defined below) may be resoWed by arbitration instead of being litigated in court. Parties Covered. Forihe purposes of this Arbitration Agreement,'we',"us",and "our' also lncfudes our parent,subsrdiaries,affiliates, licensees,predecessors,successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally,'wa', •us and "our shall include any third parry providing benefits, services, or products in connection with the Account iinctuding but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debtcolleciors,end all oitheir officers, directors, employees, agents and representatives) if, end only il, such a third parry is named by you as a co•deiendant in any Claim you assert against us. Claims Covered. Either you orwe may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or comroversy by either you or us against the otfier, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement, your credit card Account or the zrtvartising, application or approval of your Account ('Claim"). This Arbitration Agreement governs ell Claims, whether such Claims are based on law, stawte, contract, regulation, ordinance, ton, common law, constitutional provision, or any legal theory of law such as respondeat superior, or any other legal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the ehtire Cardmember Agreement or any prior C ardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the farm Claim is to be given the broadest possible meaoiny. Claims subjecuo arbitration include Claims that era made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a party who initiates a proceeding in court may stet! arbitration with respect to any such Claims arivanced in the lawsuit by any party or pontes. As an exception to this Arbitration Agreement, you retain the riyht to pursue in a smell claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis.lf a parry electsto arbltraie a Ciaim,tha arbitrationwill be conducted as an individual action. Neither you nor we agree to arty arbitration on a class or representative basis, and the arbitrator shall Nava no authority to proceed on such basis.7his means that even iF a class action lawsuit or other represantetiva action, such as that in the form of a private attorney general action, is tiled, any Claim between us related to the issues raised in such lawsuits will be subject to an individual arbitration claim if either you orwe so elect, Na arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (f) those brought by us against you and any co-applicant, joint Cardmember, or authorized user o1 your Account, or your heirs or your trustee in bankruptcy or {2) those brought by you and any co-applicant, joint Cardmember, or authorized user of your Account, or your heirs ur your trustee in bankruptcy against us. Initiation of Arbitration, The party Aling a Claim in arbitration roust choose one of the following two arbitration administrators: American Arbitration Assoeiatioa; or National Arbitration Fvrum.7hese administrators are independent from us.7he administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement Any arbitration hearing Iha2 you attend shall be held at a~ place chosen by the arbitrator or arbitration administratorwithin the federal judicial district in which you rr>_i~ tae nr at come other elate to which you and we a ree in writing. You may obtain copies of the current rules of each of the two ar rtration administrators, information about arbitration and arbitration lees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, N}' 1DOf%-4G05, Web site: wwtv.adcorg, SDO-%78.7875; yr National Arbitration Pornm, P.O. Box 5D197, Minneapolis, MN 55405, Web site: www.arbitration•forum-tom, 800.474-2371. Procedures end law applicable irr arbitration. A single, neutral arbitrator will resolve Claims.'(he arbitratorwBl either ba a lawyarwith at least tan years expariance or a retired or former judge. The arbitration will he conducted under the applicable procedures and rules of the arbitration administrator that are In effect on the date the arbitration is tiled unless those procedures and rules are inconsistent witft this Arbitration Agreement, in which case this Agreementwill prevail. These procedures and rules may limit the amount of discovery aveilabla to you or us, The arbitrator will apply applicable substantive lava consistent with the FAA and applicable statutes o1 limitations, and wilt honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator will take reasonable steps to protect customer Account information and other coniidentiaf information, including the use o1 protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have !tie power to award to a party any damages or other relief provided for under applicable taw, and will not have the power to award relief to, against, or for the benefit of any person who is not a parry [o the proceeding. fl the law authorizes such relies, the arbitrator may award punitive damages or anorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a pally. Upon a request by you yr vs, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration tiling tee paid by you up to the amount of 550D upon receipt of proof of payment. Additionally, 11 there is a heariny, we Page 3 of 6 CMA127S2 ' wit! pay a?ty Lees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing tees by us will be made directly ra the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. ASi other tees will be allocated ih keeping with the rules of the arbitration administrator and applicable law. However, we will advance orreimburse filing lees and other fees ii the arbitration administrator or arbitrator determines there is good reason for requiting us to do so or you ask us and we determine there is good cause for doing so, Each party will bear the expense of the lees and costs otthat party's attorneys, exports, witnesses, documents and other expenses, regardless of which parry prevails, for arbitration and any appeal {es permitted beltrvv), except that the arbitrator shall apply any appficable law In determining whether a party should recover any or ail fees and costs from another party. Errfureement, finality, appeals, Failure or any delay in enforcing this Arbhration Agreement at any lime, or in connection with any particular Claims will not Constitute a waiver of any rights ro require arbitration at a later time or in connection with any other Claims. Any decision rendered ih such arbitration proceedingwiil be tine) and binding on rho parties, u nless a pa rty appeals in writing to the arbitration organization within 30 days of issuance of the award, 71te appeal must request a new arbitration before a penal of three neutral arbitrators designated by iho same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a s'sngle arbitrator, and make deeislons based on the vote of the majority. Each paAy will boar their own lees, costs and expenses for any appeal, but a parry may recover any or all fees, costs and expanses from another party,.ii the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, survival. This Arbitration Agreement shall survive: {i) termination or changes in the CerdrnemberAgreement, the Account and the relationship between you and us concerning the Account, such as th'e issuing of a new accouirt number or the transferring of the balance in the Account to another account; fit) the Itankruptcy of any party or any similar proceeding initiated by you or on your behalf; and (fir) payment of the debt in lull by you or by a third parry. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shaft nevertheless remain in force. CHANGES 70 THIS AGREEMENT We can change this agreement at any time, regardless ofwherharyou have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and tees, and other terms such as the nature, extent, and enforcement o1 the rights and obligations you ar we may have relating to this agreement. Modiflcaiions, additions, or deletions are called "Changes" or a "Change". We wiN notify you of any Change it required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we stake otherwise, any Change will apply to the unpaiA balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those tights. For example, the notice may state that you may notify us in writing by a specified date ii you do not want to accept certain Changes we are making. If you notify us in writing that you do not 'accept She Changes, your account maybe closed (if it is not already dosed) and you will be obligated to pay your outstanding balance under the appficable terms of the agreement. II you do not notify us in writing byihe date stated infhe notice, or if you notify us but then use your account attar the dare stated in the notice, you wilt be deemed to accept all Changes in the notice and to accept and confirm nil farms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. VJe may periodically review your credit history by obtaining information from credit bureaus and others, We mayreport information about you and your account t.o credit bureaus, including your failure to pay us on time, If you request additional cards on your account for ^thers, we may report account information in your name as well as in the names of those other people. H you think we have reported inaccurate information u, a credit bureau, you may write to us at the Cardmember Service address tilted on your bitting statement. Please include your name, address, account number, telephone number and a brief description of the problem. II available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, it our )nvestigation shows that you are right, we will contact each credit bureau to which we reponed fire information and vuift request tlroy correct the report. ?f we disagree with you after our investigation, we will tell you in writing yr by telephone. We will also notify the credit bureau that you dispute the information artless you let us know that yotr no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATfON We will send cards, billing statements and other notices to you at the address shown in our tiles. Or, if this is a joint account, we can send biking statements and notices to any joint account holder. Notice to one of you will br considered notice to all of you and all of you will remain obligated on the account, It you change your name, address, or home, cellular or business telephone number yr email address f ii you elect to receive billing statements or other notices online), you must notify us immediately in writing ar the address shown un your billing statement. We may, at our option, accept mailing address corrections Iromthe United States Postal Service. Y++e may contact you about your account, including for customer service or collection, at any address or telephone number as well as any calluiar telephone number you provide us. TELEPHONE MDNI7DRiNG ANp RECDRDIfdG We, and if applicable, ourayenis, may listen to and record yourieleptrane cabs with us. Yau agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. SNFORMATIDN SHARING You authorize us to share certain information about you and your accountwithin our family of companies, and with others outside our fern}ly of companies including any company or oryanization whose name or mark may appear on the cards, as permittQd by taw. Dur Privacy Policy, which is provided to you when you first receive an agrsementand at'leastonce each ca~endaryearihereaiter,,describes ourinformation sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and owsfde of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure fails under another exception in the taw (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, i1 you choose notto exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you {including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING 7H1S AGREEMENT We can delay enforcing or not enforc a any o1 ottr rights under this agreement wrthout losing our right to enforce them in the future. If any of the terms of this ayreement are found to be unenforceable, all other terms will remain in full force. ASSfGNMEN7 We may assign your account, any amounts you owe us, or any of our rights and obligations underthis agreememta a third party. The person to whom we make the assignment will be entitled to any ai our rights that we assign to that person. GOVERNING LAW 7HETERMS ANO EPiFORCEMENT DFTHISAGREEMEIJTAND YUURACCOt1tJT SHALL BEGDVERNED AtJD INTERPRETED INACCOROANCE WITH FEDERAL LAVJ AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TD CONFLICT-OF-LAW PRINCIPLES. THE LAW DF DELAWARE, WHERE WE AND YDURAGCDUN7ARE LOCATED, WILLAPPLY NO MP.ITER WHEREYDU LiVE OR USE THE AGCDUNT. FOR INFDRMA710N Please call the Cardmember Service telephonu mnnbar on your card or billing statement it you have any questions about your account ur this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use Th}snotice contains important information about your rights and our responsibilities under the fair Cradii Billing Act. Notify Us In Case Of Errors Or Duestions About Yvur Bin If you think your bill is wrong, or it you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear 7rom you no Eater than 64 days after we sent you the first bitten 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 name and account number. • Tha dollar amount of the suspected error. • Describe the error and explain, if you can, whyyou bo{ieve there is an error. If you nee mot m t-stneabntaL If you have authorized us to payyour credit card bill automatically from your savings or checking account, you can stopthe payment on nny amount you think is wrono. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 3D days, unless we have corrected the error by [hen. Within 90 days, we must either correct the error or explain why we believe the bill was correct, After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit line. You do hot have to pay any questioned amount while we are irivastigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you wilt have to make up any missed payments on the questioned amount. In either case, we will send you a statement of rho amount }-ou owe and the date that it is due. If you tattle paythe amountthatwe ihinkyou owe, we may report you os delinquent, However, it our explanation does nor satisfyyou and you write io us within 10 days telling us that you still refuse to pay, we must tell anyone wo repon you to that you have a question about your biN. And, we must tell you the name of anyone wo reported you to.1Ne musttell anyone we repon you to that the matter has been settled between us when it finally is. it we don't follow these rules, we can't collect the first S50A0 0! the questioned amount, even if your bi(I was correct. Special Rules for Cradii Card purchases Page 4 of 6 CMAi2762 It you have a problem veith the quality of property or services that you purchased witfi e credit card„and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. ~7his right does not app)y to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, i(not within your home state, within tOD miles of your currant mailing address; and (b) The purchase price must have been more then 550.00. These limitations do not apply if we own or operate the merchant, or i(we mailed you the advertisement for the property or services. Copyright 02007 JPMorgan Chase & Co. All rights reserved. i'' Page 5 of 6 CMA12762 Statement for aooount number: ales eat i sDOS z,las New Balance Payment Due Date Past Due Amount Minimum Payment $6,619.90 11/17/07 $0 00 $132.00 Amount Enclosed ~ Make your check PaY~bk to Chax Card Servien. $ New address or a-mail. Pdrrc on beck. 426684115DD8214500D132D00066199000DDOD6 00370 BIX Z 30107 C DANIEL HAUSER 633 HERffAGE CT MECHANICS BURG PA 17050-1857 CHASE ~ CARDMEMBERSERVICE PO BOX 15153 WILMINGTON DE 19666-5153 ~: 50^^ L6^ 287: 20 3 L L 5DD8 2 L4 5611• ~y Opening/Closing Date. .10/01/0 7- 1 0/28107 CUSTOMER SERVICE "c AMERICAN ~~~ KENNEL CLUB- Payment Due Date: Minimum Payment Due: 11/17/07 In U.S. 1-888-305-4016 $132.00 Espafiol 1-888-446-3308 TDD 1-600-955-6060 Pay by phone 1-800-436-7958 Outside LLS call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266841750082745 ACCOUNT INOUI RTES Previous Balance $0.00 Total Credit Line $11,000 p O. Box 15296 Purchases, Cash, Dedts +$6,520.90 Available Credit $4,360 Wilmington, DE 19850-5298 Finance Charges +$99.00 Cash Access Line $2,200 New Balance $6,619.90 Available for Cash $2,200 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 1 96 66-5 15 3 VISIT US AT: www. chase.coMereditcards TRANSACTIONS FINANCE CHARGES Finance Charge Deily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 27 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARG FS Purdtases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V 06504% 23 74% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00 % $4,511.11 $0.00 $99.00 $0 00 $99.00 Total finance charges $99.00 Eftedlve Annual Peroentage Rate (APR): 20.48% Please see Information Abdul Your Account section for balance computation method, grace period, and other important informaton. The Conesponding APR is the rate of interest you pay when you carry a balance on any transadion category. The Effective APR represents your total finance charges - inclutling transaction tees such as cash advance and balance transfer tees -expressed as a percentage IMPORTANT NEWS NEW! Unlimited Internet access with PeoplePC Online for only $4.97/month for 3 months then just $9.95/monih Get ell the features you'd expect from the big guys! 1-877-778-1210. Memion 01fer Cotl e: MSD982. This code idemiiies you as a Chase customer. Or visit www.peoplepc.coMgo/rnsd992. Is your dog a Canine Good Citizen? Let AKC and K9 Advantx show you and your dog how to earn a CGC. To teem more, visit hitp://www.akc.org/events/cgc/Index.dm. Worrietl about rising vet costs antl what you could afford il your pet had a serious acddent or illness? Contact the AKC Pet Healthcare Plan at www.akcphp corn or 1.666.725.2747, identity yourself a5 a Chase Cardmember (Quote Code 1S0o1), 8 gel a tree estimate on the protection your pet deserves. This Statement is a Facsimile -Not an original R 0000001 FIa33335 C 3 000 N Z 20 0]h 020 Page f Or 1 00002 MA MA 003]0 30f 1000003000003]DO7 24 of 25 Trans Amount Date Reference Number Merchant Name or Transaction Description Cretlit Debit Address Change Request Please provide inlormeaon below only it the address information on 7rorn is inwmect. Street Adtlress: - - _-_--_----_ City. ---- ------- State. -- Zip' ---- - Home Phone: --- ,- ---- Work Phone' --- ~- ---- E-mail Address: - - ~-_--_----_ L Infomralion Aboht Your Accout Lost a Stoles Cards: Plaasx report your lost or stolen card umnedlatdy by calling Uta Customer Sxrvi~z number Formd on Nx hoot ofyour statemzrtt. ~ Advisors are always available to assist you. You can reach an Advisor by pressing0after you inter your accoun[number. ® Crediting of Payrn oats: For payments by regular U.S. mail, send at least _ your minimum payment due to our Dosl office box dasignatad for pnymxnts e shown on this statement. Your payments by mail must comply wbh the ® lost ructions on Mis stalament and must be made by check or money oMer. s pwaNe in U.S. Dollars, and drawn on or payable Mrouph a U.S. finandal institutlon or Me U.S. bench of a fordgn finnnelal instltlltian. Do riot send cash. Wnta your asount number on your check or money order. Paymams to ust beaaompanied by Ne paymen[co upon in Ne eltvdopa provided wlN our atldress visible Mmugh the errveopa wintloty_ Me erneloDe cannot contain more Man eta payrnxnt or ca upon; and Mera can be no staples, paper dips, tape or comzspondxnca Included with your paylnen[. IF your payment is in axordance with our payment instructions and is made available to us on any day except December 25 by 1:a] p.m. local lime at our post office box designated for payments on Nis statement we volt credit Ne payment to your accoun[as of Umt day. If yb ur pnyrn eel is h axoNalue wIN mu payrnznt Instmv?lons, but Is made available to us after 1:00 p.m. local time at our post office box designated for payments on [his statement we will credit R to your account as of Ute nxzt day. IF you do not follow our pa;nnxnt instructions or if your paym elat door sent by regular U.S. mail to our post otficzbox tlesigrtatetl for paymalds, crzd'Nng of your payment may ba delayed for uD l0 3 days. Payments made declrpnicdly Mrough our automatetl telephone service Lrutomer Service advisors or our rmb site will be subject [o any processing times disclosed for Npse payments. Ikcoum IBlomradon Reported to Crcdd Bureau:: Wz may capon Information about your acceunt to credit bureaus. Leta payments, missed payments or other defaults op your account may be reflected in your credit raDOn If you tlank v!a have reported inaccurate irdonnaaon to a credit bureau, you may vldtz [o ns at Utz Cardmember Service address listed on your billing statement. Noice Aboal Electronic Lheck Conversion: When you provide a check as paymem, you authorize us either to use inlormadan from your check to make a ono-tlme daamnic brio transfer hom your account ar [o pror.ess Me Daymdm as a clletk lrallaaC1101[. When lyd USd MfarRlatidn from your thdck to make art electronic fund transfer, funds may be vdmdravm fran your account az soon as the same day we recebe your paymerrt, and you will noI rxceNe your chaUt hack from your finmdal Mstltutlon. Catl Ne mutomzr seMCe nurnbxr on this sMlanent If you have questlons about dxaronlc check collactlon or do not wantyour payments colleclad zlectronicalry. Lodilional Payments: Any payment check or other Form of payment that you send us for less Nan Ma full baWnce due that is marked "paid in Full" or contains a similar npladon, m that you othervdsz tender in full satisfaction of a dlsputzd amount must ba sent to Card Sarvfzes, P.^. Box 15049; WiNnington. DE 19850-5049. We reserve all our rights regarding Nase payments ie,g., if it is determined Mere is no valid dispute or it any such check is recavad at any other address. we may accept Me check antl you volt still owe any ram wining balance). Wa may refuse m octopi arty such payment by returning it to you, not cashing it or destroying it. All other payments that you m eke shoultl ha sera to the appropriate payment atltlress. Mznal Renewal Notice: If your accoun[ has an annual tee, it antl be billed each year or in m onNN instaltmznts, tfiamxr or not you use your acaum, and yal agree to Day it vfien billed. The annrwnl lee is non-refundable unless you notify us tltat you vdsh to close your account tvphin 30 days of Na data v+e mail your statement on which Ne annual fee is charged and at Ne same Ume, you pay your ouutantling balance in full. Your payment of me annual foe does not effort our rights to dose your ac~un[ and to limit your right to make transactions on your account It your account is closed by you or us. we rn ll continua to charge the annual Fee anal you pay your outstanding balance in full and terminate your account relationship. Explartatioa d Rrwace Lharyei: Wa CNdUIare perlDdlC fiflarlCB d,arges, Cuing Iha npoliceblz pedodic rates shown on this statxmatt separaldy for each feature (e.g., balance tmnsfer/cortvenienca checks and cash advance checks ("check transaction"} purchases. balance Transfers, case atlvances. promotional balances or overdraft advances]. These plculations may combine different categories tnM me same tlaily pedodic rates. If there is a 'V' nail to a periodic rate on Mis statement that rate may vary. and [he index and margin used to dale«nine flat rate and its corresponding APR are described in your Cardmember Agreement, as amentletl. There is a rnlnlmum flnancx charge In arty billing tyde In which you orre airy pzdodic finance dtargas, and a transaction Untnce ctvnrgz For zach balance transfac cash advancz, or chock transaction, in Ma amounts stated In your Cardmember Agraernant az amended 7o get Ma daily balance for each day of me current billing cycle. tva take the beginning balance fo r each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges] subtract any payments or credos, and make Omer atljustments. Transactions era added as of the transaction date. me beginning A me billing tyde in cfiich theyare posted to your account, or a later dale of our choice (except that chak ban&~ctions era added as of Me data depwsltatl by Uta payee or a later date of our choice?. Foes are added ximar on Me Mtn of a coated transaction, the date they are posted to your account, or the last day of the billing cycle. This gives lu tlut days doily balance. A credit balance b trzated as a balance of zero If a daily periodic rate applies [o any feature, the multiply Me daily balance by ~me daily periodic rate to get your periotlic finance charges for That day. We Uteri add Mass periodic finance charges [o your daiN balance to get Na beginning balance for Me next day. flf mare Man cote daiN, Dariodic rata could apply based on Ne avaraga daily balanw, we will use Na daily pedodic rate [hat applies for the average daily balance amount at me end of Nz billing cycle to pllculafa tlta daily pedodic finance charge each dayf To get your total periodic finance charge For a billing qde rfien a daily pedodic rate(s) aDDlias• tra add all of the dally pxriode linancx dtargas for all lectures. 7o tletamine an average daily balance, tm add your daily balances and divide by the nlanbar of Ne days in Ne appN cable billing cydefsi. If you muftlply Ute avaraga daily balance to each IeaWre Ly Me aDPpcabla duly parodic cote, and Man multiply eadt of Mesa results try Ne comber of drys In Mx applicnbk billing cyde(s), and then add all of Nx results togethzc the total twill also equal me periodic finance charges for Me billing ryda. except for minor variations due to rounding. To get your total periodic Finance charge for a bilibtg ryda whelt a monNly pedodic rate(s) applies, multiply Me avaraga daily baWrrce for each leatura by the applicable montMy periodic rate and add die rcsulu together Tha total trill equal ma periodic fmance charges for the opting ryda, ezcept for mina variations due to rourding Grace Period (at least 20 days): We accrue periodic finance cha rgas on a transaction. fee. or finance charge from Ne tlata it is added to your daily balance anal paylnxltt in full is received an your account However. we do real dlarga periodic finance dlar~es on new purchases billetl during a oilling cycle rf the recdve both payment elf your New Balance on your cu«efl[ stalemem bP Ne dare and time your paynn aft is due and also paymem of yore Nxw Balance on your Draviolu statement by Me data and time your payment was due. There is no grace pedotl for balance transfers, cash advances, check Transactions, or Orardmfl adrdIlCBS. la addition, i1 there is a "Otralilying Pranodonal Fnancintl" section oa tkle shafemerd, you Trill not incur periodic finance charges on any Remaining BaWnce Mat appears in Mat section if you pay Mat balance in Iu11 by die applicable Ezpiretion Date. To avoid finance charges on new Durdtaaas when your Now Balance includes arty Remaining Balance{sy in Na UrudiN, frig PromotionN Finandng sactlon. pay your full tie!! Balance minus Ute total of Nose Ramnininp Balances! by the onto and lime your payment Is due. However, it your statem ant shows that a rnirNrn um payment Is duo, the m tut radve at least Nat minimum pnyln ant by Ne data and tNne spedfied on your statemertq even II your Nzw Balance consists Dory of Dualitying Promotlonal Flrwlcing balances. Also. for some Qualifying Promotional Rnancing balances. pedodic finance charges accrue during the promokonal period but era oat added to your axomtt balance. hutead, they azunnula[e from billing ycle to billing ryda. This Is referred to as "dxferretl Interest" If a dalxrrxd hrterxst Dualifying Prpmotlonal Rrtencing balance b not pall M tap t; Nx aDPpunble Explmtlon Dale, me deferred finance charges top be added ro your aceount az soon as tie first day attar Me Ezpiraaon Dale. f urth er, if you defy ul[ under the terms ofyour Cardmambar Agreement [lu deferred finance charges will he added to your account az soon az the date of default BILLING RI6NTS SUMMARY la Cox of Elsors or Guestloas Abom Your MIt If you tltirtk your 6111 is song. or if you need more inlormation ab out a transaction on yo a biU. write G rdmember Service on a separate sheet at P.D. Box 15299 Wilmington, DE 19850-5299 as soon as possible. Wa must hear from you Ito later tltan 60 days after we sent you Me li rst bill on rfiich Ma e«ar or problem appeared. You ran telephone us, but doing so will not preserve your dgh6 In your letler, give us the Follorring inform anon. • Your name antl aaount number • The doper amount of the suspectetl error • Dascdbe Na emorand explain, if Sro a can. vAtyyou believe Nera is an error. IF you need more Infonnatipn, describe the item ypu era unsure about. You da not Nava to pay arty amount in question while we are btvxstlga[ing. but you arc sell obligated to pay the pans of your bill that are not in question. While we investigate your question, the cannot report you as tlelinquent or take ace on to collect me amount you question. It you have aldhodzad us re Dayyour credit cold bill automaticaly from your &nvings or chad;inq account. you can stop me payment on any amount you Mink is vlrong. To stop the payment. your Inver or call (using Ma Carom sober Sx rvlcx address ortelxphonx number shovm on this statzmenq must Teich us at least Nrae bluiltess days before me aulomatlc paymem is schxdWxd 10 OCC IIL SD~ial Rnle for Creiil Grd Purchases: If you have a problem w¢h me quality of goods or services ma[ you p urchasad with a credit card (ezcluding purchases made wiN a checki. and you havo tried in gootl faiN to correct Ma Droblem wilco the merchant you may not have to prey Me ranaNting amount due on the goods or services. You have this protection only when Mepurchase price ties more than 550 and the purchase rue made in your hang state or wlNin 100 miles of your mailing address. Those IimiMamu do not aOPN if we owl or operate Ma mardtanL aril we mailetl you Iha advardsemxnt for Me proparN orsarvicxs. MA021277 25 of 25 Statement for aooourtt number: a266 aa~~ sooa 2~as New Balance Payment Due Date Past Due Amours Minimum Payment $7,083.59 12!18/07 $0.00 $141.00 Amount Enclosed ~Nhke your cheek p~y'bk to Chax Cvd 9ervlon. $ New address or e~mall Pdnt on beck. 426684115DD82145DDD14100007D935900000D4 15316 BIX Z 33207 C DANIEL HAUSER 633 HERBAGE CT MECHANICSBURG PA 17050-1857 CHASE ~ CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19686-5153 t: 50DD L60 281: 20 3 i L 5DD8 2 L4 5611• ~x°"a AMERICAN Opening/Closing Date P rn D D t 10/29!07 - 11/28/07 CUSTOMER SERVICE 12/18!07 s ~~~ KENNEL CUIB- ayme ue a e: Minimum Payment Duey In U.S. 1-888-305-4016 $141.00 EspaROl 1-868-446-3308 TDD 1-800-955-8060 Pey by phone 1-80036-7958 Outside U S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8411 5006 2145 ACCOUNT INOUIRfES Previous Balance $6,619.90 Total Credit Line $11,000 p O Box 15288 Payment, Credits -$175.00 Available Credit . $3,906 Wilmington, DE 19850-5296 Purrttases, Cash, Debits +$648.69 Cash Access Une $2,200 New Balance $7,093.59 Available for Cash $2,200 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198 86-5 15 3 VISIT U3 AT: www.chase, coMcreditcards TRANSACTIONS Trans Anaunt Date Reference Number Merchant Name or Transaction Description Credit Debit Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see Information About Your Account secLon for balance computation method, grace period, and other important inlormation. The Conesponding APR is the rate of interest you pay when you carry a balance on any vansaction category The Effective APR represents your total finance charges -including transaction lees sudt as cash advance and balance iransier tees -expressed as a percentage This Statement is a Facsimile -Not an original )( 0000001 F1a33335 C 3 000 N Z 2B 07/I i20 Paget d 1 OODB2 MA MA 15314 3321 0000030001531001 22 of 25 FINANCE CHARGES Finance Charge Daily Periodic Rale Corresp. Average Daily Due To T2nsaction Accumulated FINANCE Category 37 days in qde APR Balance Periodic Rate Fee Fn Charge CHARGES Purdtases 00000% o.oo% $1,oas.es $o.oo $o-oo $o.oo $o.oo Cash advances V 06436 % 23 49% $0.00 $0.00 $0.00 $0.00 $0.00 Balancrtiranster OOOOO% 0.00% $5,800.00 $0.00 $0.00 $0.00 $D.00 Address Change Request Please provide iMorma4on below only ii the address information on front is incorrect. Street Address: ____ ___________ city: State. Zip: Home Phone Work Phone. E-mail Address. Information About Your Accoud Lost«Stolen Grds: Plaasa report your lost or stolen card lmrnedlatdy t; mlllnp Iha Customer Sarvicx number found on mx front of your sfatemxm. i~ Atlvisors are always available to assist you. You mn read[ an Advisor by Dressing Oafter you enter yourauount number, LredBing of Paym nic: For payments 6y regular U.9. mail, send at least ® yourminimum payment due[a our post offce box dasipnatad for payments shown on this statement. Your payments by mail must comply wnh [he - instructions on mis statement, and must be made by check or m oney order payable in U.S. Dotlars: and drawn on or payable through a U.S. fyrandal ;~ mstilutlon or me U.S. branch of a foreign filknncial Instltrnion. Do not sand ° cash.Writayouraaounlnumb~ronyourcheckormorayoNer.P<nynlants r~ rn ust be aceompanied by the payment coupon in the wtvdope provided with ~ our address visible through me envelope rnndow~. the envelope mono[ contain more dten one paysnant or coupon; and there can he no staples, pogo dips, tape or comespondxncx Indudxd with your paylnen[. If your payment is in axordance vrim our payment instructions and is made available to us on arty day except December 25 by 1:00 p.m. loml time at our post office box designated for paym cots on This sU[ement, the vAll credit m e paymxnt td your account as of tlwt day. If yo ur payment Is In accordance rkm our payrnartt Instrumlons, but Is made available ld us toter 1:00 p.m. loml Um a at o ur post office box designated for payments do this statement, wa will credit i[ to your account as d the nxz[ day. If you do not fellow our paymdit instru;tions or If your Daym nN is Ira sent by regular U.S. mail to our post otlke box designated for paymxlNS, crediting of your paysnxnt may ba delayed for up fo 3 days. Payments made dectmnically mrough our automated telephone service. Customer Service advisors. or our web she will he subject to any proosssing times disclosed for Otose paymerns. Accourd lelomratldn Retlorted tp CredN Bureaux: We may report inform ration about your acrount Ie credit bureaus. Late payments, missed payments or Omer defaults on your account may be reflected in your credit report If you tlNnk tva have raponad inaccurate information to a credit bureau, you gray write to us at 11tx Cardmember Service nddrxss listed on your billing statement. Ndice Aboet Electronic Check Lomersios: When you provide a check as paymera, you aumodzt us rimer [o use information from your check to make a one-trme dattmnic itnd [consist From your account or [o Dracess Ne payment as a check transaction. When wa use informa0on from your check to make an elxc[ronic ihxl transfer, funds may he vAthdmvm frpn your account as soon as the carne day eve receNe your paymmit and you will not receNe your chdt back from your flnandal hstttutlon. Call me custornxr seMce nwnbar on mis statalnent If you have questions about electronic check collection or do rill want your payments mlleclad xlectrolNCdy. LosaiN oral Paymedc: Arry payment check or omer form of payment that you send us for lass Than me Full balance due that is marked "paitl in full" or contains a similar notation, or ihtt you otherwise tender in full satisfaction of a disputed amount, must ba cant to Card SxMces, P.^. Box 15099, Wllmington. DE 79650-50-09. We reserve all our rights regarding those payments ie.g., if it is determined there is no valid dispute or it any sudr check is received at any other address- we may accept Iris check and you will still owe arty remaining balance). Wa may refuse [o accept any such payment by htuming It to you, not cashing it or destroying It. All omer payments that you make should 6a sent to ma appropriate payment address. Anneal Renewal Nalse: II your account has an annual fee, it trill be billed each ymr or in rn onmN, installments, vhtamar or not you use your account, and you agree to pay ii when billed. The annrkN tee is non-rehmdable unless you noflfy us tlta[ you rdsh [o close your accowtt wkhin 30 tlays of tlta data we mail your stalemanl on which the annual fee is charged and at the same rime, you pay your outstanding balance in full. Your paymem of me annual tae does not affa;t our rights fo dose your aeceunt and to limit your right to make transactions on your account If your acceunl is closed by you or us. we rill cononue to charge the annual fee oral you pay your outstanding balance in full and terminate your account relasoruhip. Explarratlon d Rnana Clar9a: We calculate pedodic finance dtarges, using Iha tmpllmbla periodic rates shown on this statamaltt separelaly for each feature (e.p.. bahutce transfer/cmweniencx checks and cash advartce checks 'check transaction"). purchases. balance Transfers, cash advances. prom ooonal balances or overdraft advancesj. These Wculaoons may combine different mtapories rvim me same daily pedodic rates. II there is a 'V' nett to a periodic rah on tlris slatemenL that rate may vary. and [he index and margin used to determine that rate and its conesponding APR are described in your Cardmember Agreement as amended. There is a m inlmum franca charge In arty billing ycle In which you ovre arty pedodic finance dtarges, and a transaction finance dvsrga for Bch balance transfer, cash advance, or crack transaction, in cox amounts stated M your Cardm ember Agreement, as amended. To gat ma daily balance for each day of the currem billing cycle. sve take the beginning balance f o r each feature, adtl any new noose dions or other tlebhs (including fees, unpaid liriance drarges and other charges) subtract any payments or credits, and make abler adjustments. Transactioru are added as of [he transaction date. the beginning of me billing cyde in which they era posted to your account. or a later date of our choice (except tltd cha:k [mnsacdons era atlded as of ma data degosHad by the payee or a later date of our choice). Fxes are added xlthxr on the elite of a relabel trance ctlon, the data They era posted to your account, or the Wsl day of the billing cycle. This gives its Urat days dotty bnlencx. A credit bnlanex is treated as a bdancx of zero II a daily periodic rate applies m any lecture, the muldply me daily balance by me daily periodic rate to get your pedodic francs charges for That day. We Uren add those Deriodic Untnce charges [o your daiN balance to get the beginning balartca for me next day. fl f more man doe daiypariodic rata could apply bisad on me avemga daiN, balance, we wNl use tlta dally pedodic rate tlwt applies forme average daily balance amoum at the end of Iha billing cycle to calculate tltx dalN, Dedodic Potence charge each day.) To get your total pedotlic finance charge for a billing cyde rdten a daily periodic role(s) aDDlixs, tra add all of the daily Dedodic tiltanca dtarges for all features. Tp determine an average daily baance, vre adtl your daily balances and divide by the number d Iha days in the applimble billing cyd eisj. If you rmdtiply me average daily Lvnlance for each feature by me applicable dally periodic cote, aril tllan mul6Dly ¢adt of mesa results by me comber of days In cox appilcnbk bNiing cyde{s), and tlten add all of tltx rxsults together. the Wtd [viii also equal me pedodic finanm charges for me bilNng gels except forminor variations due to rounding. To get yourfotal pedodic Firence charge for a billing cyde Wrwt a morttldy pedodic rate(s) applies, multiply the average daily balance for each lecture by the applicable momhly periodic rate and add the results togemer The tool grill equal me periodic firence charges forme billing gcle, except for minor vada[iens due to rountling. Grace Period (at least 20 days): We accrue periodic finance charges on a tmnsacoen. fee. or finance charge from the data it is added [o your deity balance un01 paymzt[ in full is received on your account However. we do not charge periodic finance charges on new purchases billed dunnp a billing cyde 0 we receive both payment of your Nerr Balance on your current statement by the date and Uma your pa)nn Nll is due and alsc payment DI your New Balanm on your prxvio lrs statemaltt by me data and time yourpayrn eM was due. There is no grace period for balance transfers, cash advances, check transactions: or overdraft advances. Is addition, it Ihere is a "Dualifying PromoOosal Fnanciq' sectioe oa rils statemerd, you toll not Incur pedodic finance charges on any Remaining Balance matappears in mat secfion if you pay that balance in full 6y me applicable Expiration Date. To avoid finance charges on new puretasas Wrap your New Balance includes any Ram wining Balancels) in the 4wlliN, Inp Pr«notronal Flnandnp sxctlon. pay your fu! Nevy Balance Inilnrs Ute total of moss Ramalninp Balancels) by tlta data and Ilme your payment is due. However, it yam statern ant sh otvs [hat a minim um payment Is dux, we rn trst radve nt least tltal minimum pa;nn enl by me data affil Ume spedfled on your statamertt, even 6 your Naw Bnlanca consists onty of Qualifying Promotional Financing balances. Also. forsome Oualltying Prom otlonal Fronting balances, pedodic finance rmarges accrue during the promokorul period out era rat added Io your ac~mtt balance. hutead, tlrryaccumulate from billing yde [o billing Yale. .TINS Is referred to as "deferred Interest" If n datarrad Interasl Oualdying Promotional Potendng balance b no[ paid In full M, cox apDllcablx Explratlon Date, the deferred finance charges trill be added to your account as soon as the first day after the Ezpiraocn Date. Further, if you default under the terms otyou~ Cxrdmambar Agreement the defe«eel finance charges trill he added to yom account as soon as the date of default. BILLING RIGXTS SUMMlIRY la Cese d Errors « Buestlons About Your BIII: If you Ihlnk your bill Is rmong. orif you need more information about a transaction onyour bill. wale Cardmember Servicx on a separate shoal at P.o. Box 1529[! Wilmington, DE 198505299 as soon as possible. Wa must hear from you no later tltan 60 days after we sent you me Nrsl dill on which ma error or problem appmrad. You con Idephone us, but doing so twill not preserve your rights. In your letter. give us the fallotnng information. • Your name and acoount number • The dollar amount of the suspected error • Das,:ribe the error and exphJn. i1 you can. vdty you balixva mega Is an error. If you nxad more information. describe the item you era unsure about. You do not Nava [o pay arty amourri in question tdtile v¢ are irwasUgating. bra you are soil obligated to pay [he pans of your bill that are no[ in question. While vre irrvesngate your question. vre cannot report you as delinquent or lake acoon to collect me amount you question. IL you have amhodzad us [o pay your credit uvd bNl automatically from your savings or chedting account. you can stop the payment on any amount you mink is wrong. To stop Ire payment. your lever or call (using me Cardmember Sx MCa address pr telxphona number shovm on Ihls sta[xmenn must reach us at least cores business days before the automatrc DaNnent is schadulxd la ocnu. Special Rule for Credit Card Purchases: IF you have a problem with me quality of goods orservices mat you purchased wim a credit mrd (excluding purchases matle erim a check), and you have tiled in good faith to correct thx problem wim the memhtinl, you may not have to pay the rarnnlning amount due on me goods or services. You have this protecoon only when me Du rchase price e2s more than S50 and the purchase rtes made in your Noma stela or within 100 miles of your mailing addrxss. These limitations do no[ apply if ere own or operate ma mardtant or it we mailed you me aMartisemorn for Ute propaM, or saM:zs. MA021207 23 of 25 Statement for aaoount Dumber: azse ea» 5008 zias New Balance Payment Due Daie Past Due Amoum Minimum Payment CHASE $8,116.08 01/17!08 $0.00 $162.00 Make your cheek payable to Chax Card S[rvl ces Amount Enclosed $ New address or e~mait? Print m beck. 426684115D0821450DD162DDg081Z6D800DDD0D B3B47BIX Z30207C Irrrlllrllrlr.Irlr,lr rllllririrrrlllrl.lrrr llr rlrl.r~ll~~ll~~i DANIEL HAUSER 633 HERffAGE CT CARDMEMBER SERVICE MECHANICSBURG PA 170 50-18 5 7 PO BOX 15153 WILMINGTON DE 19686-5153 1:500D L6^ 281: 20 3 L L 5DD8 2 14 5611' ~~y ? AMERICAN Opening/Closing Dale. P t D D t 11/29!07-12/28/07 CUSTOMER SERVICE 1/1 / F ( - aymen ue a e. 0 7 08 In U.S. t-888-305-4016 `J KENNEL CUtB Minimum Payment Due: $162.00 Espanol 1-888-446-3306 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S call collect VISA ACCOUNT SUMMARY Account Number: 1-302-594-8200 4266 8411 5006 2145 Previous Balance $7,093.59 Total Credit Line ACCOUNT INQUIRIES $11,000 p O Box 15298 Payment, Credits -$200.00 Available Credit $2,883 Wilmington DE 19850-5208 Purd'iases, Cash, Debts +$1,222 49 Cash Access Une , $2,200 New Balance $8,116.08 Available for Cash §2,200 ppyMENT ADOR ESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. coMcreditcerds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periotlic Rate Corresp- Average Daily Due To Transaction Accumulated FINANCE Category 30 days in Lyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purdiases .00000% 0.00% $1,998.92 $0.00 $0.00 $0.00 - $0.00 Cash aWances V 06367% 23.24% $0.00 $0.00 $0.00 $000 $0.00 Balance transfer .00000% 0.00% $5,800.00 $O.OD $0.00 $0.00 $0.00 Total finance charges $0 00 Etfenive Annual Perxntage Rate (APR): 0.00% Please see Information About Your Atxount section for balance computation method, grace period, and other important information The Cortesponding APR is the rate of irnerest you pay when you carry a balance on any transaction category. The Efleclive APR represents your total finance charges - inclutling transaction lees such as cash advance and balance iransler tees -expressed as a percentage. IMPORTANT NEWS Shop at 1-Boo-Flowers corn for everyone on your holiday list and save 15%' on beautiful !rash flowers, gourmet gift baskets, stunning centerpieces and more. Mention code C HASE77. This code identities you as a Chase arstomer. 'For details please visit www.1 BOOtlowers corNdisdaimer This Statement is a Facsimile -Not an original .e 0000001 FIS33335 C 3 000 N Z 28 07/1228 Page 1 d 3 OOOB2 MA MA B3B47 30210000030000304701 18 of 25 Trans Amount Date Reference Number Merchant Neme or Transaction Description Credit Debit Atldress Change Request Please provide intorrnation tpelow only it the address information on from is in~rect. Street Address - --__-_--_----_ City: - - --_ Stater -- Zlp: ---- - Home Phone: --- -- ---- Work Phone: --- .r ---- E-mail Address: Irttormatian Abend your Aaond Lost or Stolen GMs: Please report your lost or stolen card hmnedl etdy by calling the Customer SzMCZ number foand on [hx frontal your slatemartt. Advisors are always available to assist you. You can raadt an AMisor by pressing 0 after you otter your accountnumber. Crediting of Payrneats: For payments by regular U.S. mail, send at least your minimum pnymanl due to our post office box designated for p,•rymants shown on this statamem. Ydur payments by mail must comply with the instructions on Mis statement, and m use he made try check or money order. payable in U.S. Dollars, and drown on or payable Mrough a U.S. finandal institution or Me U.S. brznch of a foreign firvnncial institution. Do not send cash Wdta your ace.ount rwmbar on your check or matey order. Ptgmn amts rn usl be axompanied by Ma payment coupon in Me atvdope provided with our address visible Mrough Me errvebpe wintlow: the envelope cannot contain more Man eta payrnan[ or coupon: and Merx can he nd staples, paper dips, tape or corespatdxncx Indutlxd with your payment If your payment is M accordance wits our payment instrudions and is made available to us on any day except December 25 by 1.00 p.m. local time at our Dost office boz designated tarpaymmis on Misstatement, lye rAll credit Me payment b your account as of Mat day. If your payment is in accordance wits our Dalnnattt instmctions, Cut Is made evallable to us after 1:00 p.m. local dmeat our post office box designated for paymems an this statement wa will credit ft to your account as of Me nest day. If you da not follow our payrnati instructions or if your paym aft is no[ sent by regular U.S. mail to our post office box designated for paymartls, aadaing of yourpaymzm may ba delayed br uD l0 5 days. Payman6 made declronically Mrough our automated telephone service. Customer Service advisors. or our rnb sae will be subject to my prowssing times disclosed Inv those paymems. Iksoum lalortnadon Retlorted to CredN Bureaus: We may reDOrt information about your acrount b credit buranus. Late payments, missed payments or other defaults on your acco unl may be reflected in your credit raDOrt If you think vre trove reported inaccurala Irtformagon to a credit bureau, you may write to us at the Cardmember Sxrvke address listed on your billing statement. Ndiee About LTeehanie Check Comersios: When you provitle a check as payment, you authorize us either to use information from your check to make a one-Dme Nactmnic imtl tmnsfer from your account or [o DrcCess Me penman[ as a chadc iraraadion. When tva use informatlon Irom your chadc to make an electronic fund transfer. funds may he vAMdravm free your account as soon as [he same day we rece'va your payment, and yo u trill not rxcebe your check back Irom your ilnendal Instkutlon. CDII Me ctlstomxr seMce number on Mls statement II you Nava questlons about electronic check collection or tlo not tvan[your payrnxnts wlieclad elec[ronicaly. Codifi oral Payments: Arry payment check or other form of payment that you send us for Inns Nan Ma full balance due that is marked "paid in Full" or contains a similar notation, or fiat you othen•Asa tender in full salislac6 on of a disDUtzd amount, must ba sent to Cab Services, P.^. Box 75049; Whnlrtgton, DE 79650-5049. We reserve all our fights regardlnp blase payments (e.g., if it is determined Mere is no valid dispute or it arty such check is received al any other address. we may accept the check antl you will still owe arty remaining halanca). Wa may refuse to aaept any such payment by ratuming it M you, sat cashing It or destroying it. All other payments iha[you make should he sent to Me appropnata payment address. Antral Renewal Notice: II your account has an annual fee, it vAll be billetl each year or in monMy instatlmants, vAtxMar or not you use your acwum, and you agree to Day It When billed. The annrml tee Is non-refundable unless you notify rls tltat you erish to close your account viaNn 30 days of Ma data we mail yow statement on eAtich Me annual fee is durgad and at Me same Dme, you pay you outstanding balance M Lull. Your pmmem of Me annual fee does not affect our tights to dose your acwunt and to limit your right [o make transactions on your account Ii your acwunt is closed by you or us. we cAll continue to charge the annual fee rmDl you pay your outstanding balance in Full and terminate your acceunl reWDonship. Explamtlon d Flea asro Charges: Wa anlculata periodic finance dtarpes, using Iha applivabla pedodic rates sltovnt on Mis sta[xmatt separately for each feature (e.p., balance transfedcormniencx checks tntd cash advance checks i"check transadion'j. purchases. balance transfers, cash advances. promouowl balances or overdraft advancesj- These calculations may combine dilterent categories cAM Me same daily periotlic rates. If mere is a 'Y' next to a periodic rate on Mis statement that rate may vary. and the index and margin used to determine fife[ rare antl its cortesponding APR era described in your Cardmember Agreement, as amended. There is a minhnum ffnancx charge in arty blltlng cyde In which you owe arty Dadodic finance dtargas, and a transaction finance charge for each baknnce transfer, cash advancz, or check Irmisactlon, in Ma amounts stated M your Cardmember Agreement, as amended. To get Ma daily balance for each day of the eunem billing cycle. ere take the beginning balanceforeach lecture, add arty nevi tansaaions orather tlebits (including fees, unpaid firrance charges and other chargesj. subtract any payments or credits, and make omer adjustmenh. Transacaons are added as of the transaction date. tie beginning of the billing cyde in efiidt they are posted to your account, or a later dale of our choice ([accept Ma[ check tmnsactlons era added as of llte data deposited by Ma payee or a later date of our choice!. Fees ale addzd aiMar on the dn[a of a rzlated transacioq the data they era posted to your account, or Ma last day of the billing cycle. This gives tls tltat dn;+s dally balelxx. A credit bdancx Is treated as a balance of Zero. II a daily periodic rate applies [o any lea[ure, we multiply Me daily balance by Ne daily periodic rate to gat your pedodic finance charges for Mat day. We Men add Mxse periotlic finance charges [o yow daffy balance to get the beginning balarxa for the next day. (I f more Man ate dairy periodic rata wuld apply based on Me avemga daily balarn,a, we will use tlta daily periodic rate tlrat applies for Ma average daily Dalance amount a[ Ma end of Ma billhtp cycle to uikulata Ma dally pedodic finance charge etch day.) To get yoltr total pedodic finance charge for a billing cyde YAten a daily Dadodic rates}applies, tva add all of iha daily periodic Ihtancx dtargxs for all features To determine an average daily Dalance, vie add your daily balances and divide by the number of Me days in Me applicable billing cyd efsj. If you muldply the average daffy twlance for each ienhtre try Me applicable daily padodlc cote, and Man muldply serif of Mesa results by Me comber of drys in Mx appNwDla billing cyde(s), and Men add aN of Ma results togetha[ the total MII also equal Me pedodic finance charges for Ma bilkng gcle. except tar minor variations due to rounding. To gel your total pedodic finance charge for a billing crda what a monthly pedodic rote(s) applies, multiply the average daily balance for each feature by the applicable momhly periodic rate and add the resulu together The total will equal the periodic finance charges for the billing cycle; except for minor vadatlans due to rounding. Grace Period (at least 20 days): We accrue periedic finance charges on a lansacton. fee. or finance charge from Me date it is added W your daffy balance untll pmmat[ in full is received on your account However wa do not charge periotlic firanca charges on new purchases billed during a billing cycle a via receive both payment of your New Balance on your cu«ent statement by Me date antl time your paym aft is due arts also Daymertt of your New Balance on your previorrs staternatl by Me data and lima yourpayrnen[ was due. There is no grace period for balance transfers. cash advances, check transactions; or overdraft advances. la addilioa, it there is a "Bualiyinp Promotional Fimncis'" sacBoa~oa this atatemeM, you t•All not Incur pedodic finance charges on any Remaining Baance Mat appears in Mat section if you pay that Dalance in full by Me applicable Expirafion Date. To avoid feasts charges on new Durclwsas when your New Balance includes any Ramaininp Balance(sS in Ma OtmliN, inp Pranodonal Finandnp sactron, pay your tuN New Balance mirws the total of Mose Ramaininp Balancelsl by Ma dnta and Ilene your payment is due. However, if your sYalem aft shows that a minimum payment is dux, we m Ilse raelve at least Mat minimum paym ent by Me data and tlm e spedfied on your statement even if your New &tlancx consists onry of Dualilying Promotional Financing balances. Also. for some Dualitying Promotional Rnancing balances. periodic firence charges accrue during the promotional period but era not added to your acwunt balance. htslead, May aceumulate from billiry v)rcle to billing ycle. This is referred to as "deferred Interest." If a dzlxrrxd Interxsl ~ualllying Promotional Potanclnp Dalance Ls no[ pall In hell br Mx aDPHCnbix F~Imtlon Dale, Me deferred finance charges Trill be added W you rawounl as soon as Me first day alter Me Expiration Date. FurMer, if you default under the terms of your Cardmambar Agreement. the tlafarred finance charges trill be added to your awount as soon as the date of default. BILLING RIGHTS SUMMARY la Case of ERDr9 a Buastloas About Your BIII: If you ihlrtk your bill is Wrong. or if you need more information about a transaction on your bill. write Cardmam tier Service on a separate shear at P.^. Box 15296 Wilmington, DE 19650-5299 as soon as possible. Wa must hear from you rto later than 60 days after wa sent you Me Nrst bill on rfiich Ma error a problem appeared. You can telephone us, but doing so yell not preserve your rights. M your letter. give us the foNot•Anp information. • Your name antl account number • The dollar amount of the suspected error • Describe Ma erorand explain, it yo a can. vdryyou believe there is an error. If you rtaad more inlortnation, describe the item you era unsure abet[. Yat do not have to pay arty amount in question Mtlle we are htvestigating. but you are sfill obligated to pay the Darts of your bill Mat are not in question. While we investigate your question vie cannot report yea as delinquent or take acDon to wllea Me amount you question. If you have alahodzad us W pay your credit card bill automaticaly from your savings or checking account you can slop the payment on any amount you Mink is Wrong. To stop the payment. your later or call (using the Carden ember SzMCx address or telaphona number shovm on this statamen[) must reach us al least Mrze business rims before Me autometlc payment is sdtxdulad to occur. Special Rule for CreN6 Gel Purchases: IF you have a problem r~i[h Me quality of goods or services Ma[ you p urchasad W i[h a credit card (excluding purchases made uviM a Checki. and ycu have vied in pond faits Ip correct Mx problem wIM the me¢hant you may not have to pay Me ranninlnp amoum due on the goods or services. You have cots protection only when Me purchase price was mare than S50 and the purchase vras made in your home state or within 100 mNes of your mailing address. These limltatiorts tlo not apDy if vre own or operate Ma mardtanl, or if we mailed you Me advartisemxnt for the propxM, orsx rvicxs. MA021267 19 of 25 Take Advantage of Your Credit Line? As a preferred cardholder you're entitled to significant pm•ilegas including the Balance Irahsfer checks below: They come with the rate you already enjoy with }roar card.' Transfer Balances, Puy bills, Muke u purchase! Use these checks to: / Transfer balances from higher-.4PR accounts / Make a special purchase / Pay fur home imprrnements To begin saving right away, just put the checks below to work far you. You can write these checks for any amount - up to the unused portion of }roar crrdit line. 'See the "important information" section be]ow for more details. MKT11280 Mus! post lP 7ouraccaunl b71he posting QaleArolJ dale of 01l1d70081o se lM APR shed In}our mar kS U If9 ~F ?3 :o A a f; `~ z U .IC9 . ~ F p~3 Q DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 DAra 6776 999 56-155 U441 PAY To TI¢ OImPx OP Void Void Void Void Vo~dA~ TrRS DOCUMETIT CRrrA1N5 AN AATIFIC]AL WA]ERMARA, AHS@et0< OP •1'f6S PFa'NAE W11L A/DIU]E A COPY Payade rttray A: C951, Delawue, OH 63015 MPMO Slcrunlx>; e:044LL55LLF:337LL50D82L4561I'6L76 Mrsl pori m your ecerw[ by the perlug daLhoid daL Pje3l1N20ag to gal IAe MR slated in yoty ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 70 50-1 85 7 DA•rn 6177 999 56-1557/441 PAYTo TIC OImFx OF Void Void Void Void Vo~dA>~ TI¢s DOCUM1ffi~? CON?AIMS AN AADFIOAL W A1F11MARA, ABSQICE OP]IfIS PPATUAE WILL IrIIDU]E A COPY Payade IrIro11B ft: CBSI, Delaware, OH 43015 MFldO Slcrvwnrae F:044Li55LLF:337LL50082L45611.6L77 'IMPORTANT INFORMATION: The use aI the attached check{sj or drahfsl will conslAule a chage agaird your credit aoDUN. APO: Your APR kr the atlxdled ~eck(si is the standard rate fa Balance Transfer Checks on yolr aaaunt. lansacharr Fee Finance Charges: Please sex yotr Cardmemhzr AgrzzmzN br am/ applirahk traesaaion lees. Ai9hlto Decline: d clierdcs are part of Ih's oflet checksthal past after Me wid dale disclosed or that ors made payable to wear one of om mFaled banks or canpanies;rtl be dedined. Under certain ciramstances !kx eaampk, it your account is past due Or over limit, or if ye reasonably believe [hat you sal be unable or unwiring to repay the telance or as devxihzd in your CadmemterAgrezmzN}• we ma/ de.line to praxss your transaction, in which rase you wiN ~ nNified. Payment Alloralion: Vk ma; alkrate payments to halarres nflh lOrc APRs iindudinp tahrrxs a•Dh inhodugor,~ and pmmdiaml APfis) betas apph; ing pa/menu to higher APR balances. This means that arn• promolDnal period disdrsed la wu may be shorter based on ;roar payment amounts and APIA on ocher balance. Delanll: Any inhodudory, promotbnal, a standard APRs am mrd'mgerd m your canptyinq wAhthe terms of war a¢ount For esample, it your paymeN to us is not rerzired t!; the dalz and timz • ur pa/mxnl'a drat; p your avrluN is aaeriimit; or it a pament to Is is rrot hooarzd h/ yom bank, the introdudor/,~rand'anal, m standard APR otters maw and and the APRs on all balances and new transad'ans an your aunt will adjust to the applicable ate and became elfmfne as o the fird da± of the Mllim c;ck in which [he delauA orurs. Grace Pedod: A grax perod will net app} to lansaLtiore ham This oAer. Cardmamber ApeemeN: For hmhzr details abed terms or wnddbns on your account. please rzkr to your Cardmember AgreemeN. Other Items II you pa; any d'sputed amounts wu ma/ lose your rphl to dispute Ihem. Th's offer is not slid it your amount has been cam~eded to aryother product type, smh as to or Iron a °m brand" or other `rewards- armuN N appylicabe, onM diecls that ce sue br war amouN are valid Checks hom 1h's otter deposited into war tank account al an•/ bank iinaludinp am,' al our tenlaj ma/ M subFd to a de]a; in the avaihhiliP,• of those lands. Checks used to arrxss your amount mlrst be presxnted to us in paper form. I1 a chink h presented to us ekdroniralh/. xz ma/rat LY able to amzpt it due to certain dre^Jc proxssin? mks wz must adherz to. DSC71129 20 of 25 0 0 m z 9 ~ o °m ~ m i c m d 0 ~* o 0 v `9 °z ~ 21 of 25 Statement for accour7r number: 4286 8411 5008 2145 New Balance Payment Due Date Past Due Amourn Minimum Payment $9,330.54 02/17/08 $0 00 $186.00 Amount Enclosetl ~ Make your dreek pryaMe to Chax Card 3ervloe9. $ New address a e-mail. Print an beck. CHASE QI I want to purchase optional Chase Payment Protector Plan I've read the BQneU1s 6 bisdosuressection. 426684115DD821450DD1&6DDD0933D54555D946 88302 BIX Z 02906 C DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1657 Irrrlllrlrrlrrlrlrrl.rllrrrlrlrrrrllrlrlr.rllrrlrl.rrllrrllrrl CARDMEMBERSERVICE PO BOX 15153 WILMINGTON DE 18686-5153 ~: 500D L6~ ZBt: 20 3 L i 50D8 2 i4 568• :''Ay'a Opening/Closing Date 1 2/29/0 7-0 1128/08 CUSTOMER SERVICE ~ c AMERICAN C~ Paymern Due Date: 02/17/06 In U S 1-666-305,4016 ` XFNNEI. CLUIr Minimum Payment Due: . $186.00 EspaM1ol 1-886-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8417 5008 2745 Previous Balance ~ $6,116.06 Total Credit Line ACCOUNT IN QUI RI ES $11,000 p O Box 15298 Payment, Credits -$175.00 Available Credit . $1,669 Wilmington, DE 19850-5298 Purctases, Cash, Debits +$1,389.46 Cash Access Une $2,200 New Balance $9,330.54 Available for Cash $1,669 ppyMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. coMcretlitnrds FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases 00000% 000% $3,318.89 $0.00 $0.00 $0.00 $0.00 Cash advances V.06162% 2249% $0.00 $0.00 $0.00 $0.00 $0.00 Balance hansfer .00000% 0.00% $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please sse Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR isthe rate of imerest you pay when you carry a balance on any trensadion category The Etteclive APR represents your total linance dlarges -including transac4on lees suds as cash advance and balance iransier lees -expressed as a percentage. This Statement is a Facsimile -Not an original R 0000001 (1533335 C 3 000 N Z 26 O9g126 Paga 1013 00092 MA MA 69302 02610000030000930201 14 of 25 TRANSACTIONS Trans Amount Date Reference Number Merdtant Name or Transaction Description Credit Debit Address Change Request Please provide iMorrnaUOn below only Nthe address information on 7rorn is incorrect. Street Address: _ ___________ City: State: Zp. Home Phone: Work Phone' E-mail Address: Information Aborrl Ywr Accooat Lost a Stolea Cards: Plxaza report your lost or stolen card hnmedlatdy by calling tlta Cus[mner Service number found on the front of your statemxrtt. t Advisors are always available to assist you. You can reeds an Advisor by ~ prassing0attxr you Brace your accoun[number. a~ Crcdging al Paymedc: For payments by regular U.B. mail, send a1 leas[ ® your minimum payment due to our post office box dasignatad far ptrymenls shown on this statement. Your payments by mail must comply with the ® instrudions on this statement, and must be made by check or money order ° payable in U.S. Dollars, and draYm on or payable Blrough a U.S. finandal InstibRion or the U.S. branch of a fordgn fiRnncial irughtlian. Do not send cash Wnta your aaount twmber onyourcheck ormaltry order. P.•IymatUs must beau:ompanied 6y Ule payment co upon In the emdoDe provitlatl with our address visible through Nte envelope window: the envelope cannot contain morn gran arta paynnant or coupon; and meta can ba no staples, paper dips, toga or eomaportdanca Indudad erlth your payment If your payment is in accordance rdUi our payment instructions and is made available to us on any day except December 25 by 1:W p.m. lonl time at our Dost office boz desgnated for paym eats on this sm[ement, ere rAll credit Bte payment to your account az of thnf day. N yp ur payment is In aceoMance W ri our payrnartt Insiructbns, but Is made avallade to us after 1:00 p.m. local U me at our Dolt office box designated for payments on this statement, wx WII credit h to your account as of the next day. If you do not follow our pwmanl instructions or iF your payment le not sent by regular U.S. mall to our post oNlca box dazlgnatetl for paymattts, vrzditlng of yourpaymaM may ba delayed for up to 3 days. Payments made Nedronicdly Ihrouph our automated telephone service. Cwtomer Service advisors. or our r2b s¢e will be subject to any processing times disclosed for those paymems. Accoum lelorrttaden Reported to CredN Bureaus: Wa may report inform anon about your ac~unt to axdit brrzaus. WIe payrnerRS. missed payments or other defeats on your accoun) may be reflected in your credit report If you tltlnk era Itava reported inaccurola IMormatlon to a credit bureau, you may write to us at Ufa Cardmember Sxrvice address fisted on your 6ilfing sialemenl. Hdice About Electronic Check Comercioe: Whert you provide a check as payment you aumonze w Amer to use inlormalion from your check to make a ana-dme dadmnic futd tansfer tram your account ar to process the payment a5 a chock trartsadion Wltan wa use infirmatlon from war chock to mtdta an electronic land transfer. funds may be vAmdrarm fran your account az soon as the same day tae receive your payment, and you tvtll not raceNe your cheat bads from your flnandal Instttudon, Call the cwtomar seMce mm~bxr on this statxlnwlt If you havx questlvns about dxctronlc check collection or do not tvan[your payments collected xlec[rmtlcdty. Coalitional Payments: Any payment check or Omer form of payment But you send us for less than ma full balance due that le marked "paid in Full" or contains a similar notation. or tfat you oltten•BSa [ender in full satisfaction of a disputed amount mlrst bx sent td Card Sxrvldes, P.^. Box 15048, Wllmlrtgton. DE 19850-5049. We reserve all our fights regarding those payments ie.g., if it is determined there is no valid dispute or ii any wch check is received at any other address. we may accept me check and you thll still owe any remaining halancai. Wa may ralusa to aaeDl am such payment 6y ra[uming It to you, not cashing It or tlssiroyinq It. All other payments that ycu make should be sent m the apprppna[e payment address. Anuaal Renewal Notice: If yam account has an annual foe, it trill be btlled erh y~r or in m ontltty installments, rdtxmxr or not you use your accoun[, and you agree to Day 11 vfien hilted. The annrml lee is non-refundable wdess you notlN us Ua[ you t'ASh [v close yoltr account rihNn 30 days of Uta data we mail your statement on which the annual fee is charged and a[ Iha same dme, you pay your outsunding baance in full. Your paymem of the arvtwl Fxe dais not affat our rights b dose your aarourN end to limit ypur rightto make transactions on your account li your account is dosed by you or us. we will continue to charge the annual fee anal you pay your outstanding balance in full and termirete your account reWaorahip. Fsplartatfoe. d Flneu Cfarges: Wa calculate pedodic flratnce darpes, wing ria appliabla periodic rates shown on mis statxmatt separeldy for each feature (e.p., halatce transfer/corrvenieltcx checks and cash advtvfce checks ("check transaction"). purchases. balance transfers, cash advances. promotional balances or overdraft advancesj. These calculations may combine different categories crim me same daily periodic rates. II there le a 'V' next to a periodic rate on mis statement flat rate may vary. and the index and margin used Io determine that rate and its corespondi rig APR are described in your Cardmember Agreement, as amended- There is a rn lnhnum finance charge In airy bllling ycle In which you ova arty parlodle firwtce clargas, and a transaction finance dvnrgx for each bakmce transfxc. cash advance, or chick iansacgon, in the amounts stated ht your Cardm ember Agraernent, as amatded To gat me daily balance For each day cl me cunam billing cycle. sea take the 4eginning balancefor Boat iea[ure, add arty nee transa diorus or other debris (including fees, unpaid firance dtarges and other charges}. subtract any payments or credgs, and make other adjustments. Transactions are added as of the transaction date. me beginning of the oilling cycle in rfiich they are posted to ymu avcowd, or a later dale of our choice (racepl HtM shack [mnsacdons era added as of the data tlaposilad by Iha payee or a lelar date of our choice). Fa es are added xltltar on the data of a rzlated Uansactlon, the dale they arc posted tv your account, or the last day of the 6i )ling gcle. fits glues rls that Mys daily 6alalux. A credit balancx Is trued as a bnlancz of zero. II a daily periodic rate applies to any feature, rue multiply the daily balance 6y the daily periodic rate to get your periodic finance charges (or Clot day. We tlten add mere pedodic Urunce charges [o your dalN balance to get tfta 6eginnktg balance for the next day. tl f more gran o ne daiN Danodi c rata could apply lased on the avernga daily balanw, we vvgl use tlta daily periodic rate that applies Forma average daily balance amount ac the end of ria bllling cycle to cnkulatx tlta daly pedodic flnanra ehargx e<nch day.) To get your total periodic finance charge for a billing qde rAten a GUIy Dadodic role(s) aDDIIas, tva add all o11ta dally periodic liltance dtarges for all features. To deterroine an average daily balance, ere add your daily balances and divide by the number of the days in the applicable billing cyda(si. If you multlply the average dally Lalaltce for each feature by me appficable daily pxriodlc rate. and rian mulgply Boat of mesa results by the msnber of 6tys In the applicable btllmg tile(s), and glen add ag of tlta results together. the total will also equal me pedodic fmance charges for me billing qck- ezapt for minor variations due to rounding. To get your lo[at periodic firance charge for a btlgng cyda !!list a monthly pedodic role(s) applies, mulgply the average dally bahnca for each leatura by the applicable mon[Ny periodic rate and add rie results together. The total vrill equal the periodic faunce charges tar the billing cycle; except f or minor vadadons due to rounding. Grade Poriod (at Itast 20 days): Wa accmc periodic finance charges on a iansacdon. fee. or lnance charge from me data it is added to your dairy bahance ungl paylnxrlt in full is received on your account However. ere do not charge periodic finance charges on new purchases billed during a billing cycle y era receive both payment of your New Balance on your current statement try the date and dme your paym eft is due and also Daymem of your Naty Balance on your previota statemett by me data and timxyour payrnent was due. There is no grace Oeriod for balance irawfers, cash advances, check transactions, yr overdraN advances. la addilioe• if there is a "Oralilyinp Pranotioual Fnancieg" cecgon ou Nis ctatemerd, you Brill not incur pedodic finance charges on any Remaining Ralence matappears in that action iFyou pay that balance in lull by rite applicable Expiration Date. To avoid finance charges on new purchases when your Naw Balance includes arty flamaining Balance(s) in ria QuiNing Promogonal Financng sacdon. pay your tuD New Balance mhxa the total of Utose Remaining Bdancels? by the ante and time your payment is due. However, it your statement shorvs [hat a rnlnim um payment Is duo, we meat ra.dva M least tltat mhtlmum payment by the data and rave spedfled on your statamertt even Ii your New 8alenca consists only of Duabfying Promotional Financing balances. Also. far some Qualifying Promofienal Prancing balances. pedodic finance tdtarges accrue during the promokonal period but are not added to your ac~urd balance. hatead, tliry accumulate from billing ryde to billing tile. This Is referred to as "deferent Interzst." If a dalarrxd Inlerxsl Qualifying Promatlonal Flrtenclnp balance b not paid N toll W tlta eDDNablx Fxplratlon Darn, the deferred finance rhargrs trio be added to your account as soon as the first day alter me Expiration Date. Farmer, iFyou default under the terms of your Cardmambar Agreement, the deferred finance charges will be added to your aaount az soon az the date of delaull. BILLING RIGHTS SUMMARY IA Ceae M Errors or Uuestloes Abotd Your BIII: If you gunk your hill is rrrvng. or if you need more inlonnadan about a transaction on your bill write Cn rdmamber SeMce on a separatx shoat at P.^. Box 15299 Wilmington, DE 198503299 as soon as posslMa. Wa must hear from you no later tltan 6D days after wa sent you the hest bill on rfiich me error or problem appeared. You can telephone us, but doing so v4ll not preserve your fights. In your lever, give us the follorring information. • Your name and aaount number • The dotlar amount of the swpedetl error • Dascdbe the Brace and explain, If yo n can, wfry you believe theta is an error. If you naafi more inforroadon, deudbe the Item you era unsure about. You do not Nava [p pay arty amount let question tvhile *re are irwasggating. bra you are sail abligahd b pay Inc parts of your bill that are not in quesdon. While ore imresdgatn your quesdon. rn cannot repot you as delinquent or take action to called me amount you quesdon. It you have atdhodzad us fn pay your credit card bill automatlcalty from your savings or checking account. ycu can stop me payment an any amount you mink is wrong. Tc stop the payment. your letlar or call (using the Cardmember SxMx address or telaphona manbar shovm on this statzmenD mwt reach us at least tltrze business days before the automatic payment is schadulatl to occur. Special Rrile for CreiH Card Purchaser. If you have a problem rvih me quality of goods or services matyou purchased wim a credit prd (excluding purchases made with a checki. and you have triad in good faun to correct ria Droblem rdtlt the me¢hant you may not have to pay me ramnlnbtg amount due on me goods or services. You have mis protection only when the purchase price v ss more than SSD and the purchase was made in your borax statx or !vimin 100 miles of your mailing address. Those limitatiaru do no[ aDDly if ere own or operate tlta mardtant, pr if we mailed you Yne advar[isemant for the propzrN, or services. MAD21207 15 of 25 Take Advantage of Your Credit Line! As a preferred cardholder you're entitled to significant pmileges including the Balance Trarssfer checks below: They come with the rate you already enjo}• with }roar card.' Transfer Balances, Pay bit Is, Make a purchase! Use these checks to: / Transfer balances from higher-APR accounts / Make a special purchase / Pay for home improvements To begin saving right away, just put the checks below to work far you. You can write these checks for any amount - up to the unused portion of your credit line. `See the "Important Information" section below for more detaik. MKT11363 Must post to ynar account b7 fAe posWrg datehoN dote of03rzdr2b08 ra gA tAt MR stalN In yore ~ r O 00 e 6r U iF (awQ ao ~ j I z ( ~ I ~~ ~~ .~F p~p Q ~ Q DANIEL HAUSER 633 HERITAGE CT ' MECHANICSBURG PA 17050-1857 DAra 6930 999 56-1551/441 PwY To Tr1e ~ I O]tDFA OP I Void Void Void Void Vo~dA~ Tms Docva¢srr corrrwrru wN wmmtawz wwxexhewna4 w1SServce oPTtsss r~nnrxe wmiamlU-re w coPY Payape rhrougn: CBSI, Dehware, OH a3015 ~r19 rVtQdp SrGNATUAE a:044ii55iLa:3371i50082L456ae6830 Must port m yowr accuw ay ttrpaafEg darsArord da4 ojosrzarmos a ati tAs ApR stat.v e,. yPUr A:r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 70 50-1 85 7 Dwre 6631 999 s6-]ssvaa] Pwx To Taae oADEA OF Void Void Void Void Vo~dA~ TrDS DOOlIF4]1T CONTAINS AN AATH+I(7AI.WA7FAMAlaR, ASSPNCE OP THIS PEATU]iE WIIL IlVDIUrEA COPY Payade mro-,gn: CBSI, Delaware, OH 43015 MPMo SIGNwntxe F:044ii551iF:337ii50D82i45611.683i 'IMPORTAM INFORMAnON: The use of the attached checks; a drafllsl will constitute a chage agairud war credi acmunl. APR: Yom APA for f he aAa:hed dlack(s) is the standard rate fa Bahnce Tralsler Checks on yolu aaonni. Trarsaction Fee Finance Charges: Phase sez your Cardmembar Agrzzmznt for any applinble nansxaion leis. Right to Deelirla H checks are pad of this oflec checks Ihal poll after the wid dale dsdosad or that are made payable to us or one of wa relded banks or carnpames ••vill be dedined. Under certain ciramstalas±br etample, d your account is past due a wet limit, or if ne reasoned} believethat youwill ba arable or unwilinglo reprythe balance or as desaibzd in your Cardmemter Agrezmzmj. we may dedine to proxss youriransactbn. in wMch case you frill ha ndrfied PaymNrl Alloration:llp may alkrate payments to Lalarrxs wBh IowAPRs iindudinp tabrrxs rtilh introdudor,• and promdional APRs) betas apph,•inq pairnenlsto higher APPRR balances- This means that am promolonal period disdosad to you may be starter based oe ;root payment amounts and APRs on other balances. Default: Any introdudory, promotbnal, or Shndard APRs am mdingerd m your complyiap •t;dhtheterms of youractount For eaample, ilyDUr payment to us is not rereiaed b/The deli and lime your paJmzrd is duo; it yDUr ar~ont isv.•edimil; or ita parrlent to us is rat honmzd bf your hank the inlrodu>tory.~ramd"anal. m slardard APR otters may end and the APRs on all balances and ne:: Innsad'ans on your acmunt xill adlusl to the applicable rate and become ellecine as o the firs day of the dllim cask in whidl the detauh orurs. Graee Pedod: A grace perod will not apply to transactions from Ihis o0er. Cardmamher AFleemed: For hlrthzr dzlails atad terms or condgbns on your aUOUnt, pk~se tiler to your CardmemMr Agreement. Other Ilemc II you Dal a1y dspuled amounts, you may lose yar right la Gspde Ihem. Ths ofer s not slid if ywr account has been comerled to any Glher prcducl type, such as to or Irom a `co brand' or of her 'rewards' a¢ounl 0 applirrde, onM sheds Thal wr! slue br your aocoud are slid Checks hom M's oNar deposited into your lank aaxum al an•1 tank iindudinp am of our t¢nksj mai be subject to a detr~ in the avaiFabiliP• of Tress lands. Chzrks used to aoxss your ao^.oud mrst be preszntzd to us in paper loan. II a chick is pxsenled to us ekdroni~lh/, wz mad not t+x ah~e to acLZpt it due to cenain drzde pro^zssing rules se must adherz to. DSC11202 16 of 25 - ~ ~ o ~ a o ® a m £Z ° = ~ °m m ~ ,~ Y~ c P n m q t~ 0 0 m ~ to o n ~ Z 6~ ~ 6 17 of 25 Statement for account number: 4266 8411 5008 2145 New Balance Payment Due Date Past Due Amourtt Minimum Payment $9,130.54 03/19/08 $0 00 $182.00 Mike your dreek payable to Chase Cord Servloes. Amount Enclosed $ New atltlress a e-mail? Pdrx m beck 426684115[]~82145~~0182(]00091305.45567962 CHASE I warn to purchase optional Chase Payment Pr018CtOr Plan IYe read the BengLis 8 Disclosures on bade of insert. a3s3zeoczoseoec I..rlllrlrrlrrlrl..I..IIr..I.Ir.rrlirl.lr.rllrrlrl.rrll~rll~rl DANIEL HAUSER 633 HERITAGE CT CARDMEMBER SERVICE MECHANICS BURG PA 1 70 50-18 57 PO BOX 15153 WILMINGTON DE 19886-5153 ~: 5000 L6^ 281: 20 3 i L 5DD8 2 L4 5611' `tis 2 Opening/Closing Dater AMERICAN Paymern Due Date: 01/29/08-02/28108 CUSTOMER SERVICE 03!19/08 In U S t-888-305-4016 (~~ KFPINrl.CLUB" Minimum Payment Due- . $182.00 Espaflol 1-886-446-3308 7DD 1-800-955-8060 Pay b1' phone 1-800-436-7958 Outside U.S. call collect 1-302-584-8200 VISA ACCOU NT SUMMARY Aceount Number : 4266 8411 5008 2145 ACCOUNT INQUIRIES Previous Balance $9,330.54 Total Credit Line $11,000 p O Box 15298 Payment, Credits -$200.00 Available Credit . $1,869 Wilmington, DE 19850-5296 New Balance $9,130.54 Cash Access Une $2,200 Available for Cash $1,869 pgYMENT ADDRESS P O Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. cha se. co m/credrtprds TRANSACTIONS Trans Artwurn Date Reference Number Merdtant Name or Transadion Desviption Credit Debit 02/17 10480482700005002772016 Payment-Thank You 00.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To TrensaCllon Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHA RG E3 Purdrases .00000% 0.00% $3,453.12 $0.00 $0.00 $0.00 $0.00 Cash aMances V 06025% 21.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000 % 0.00% $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Efledive Annual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance-compula4on method, grace period, and other imponam informaion. The Conesponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your iota) finance dtarges -including transaction lees such as cash advance and balance transfer lees -expressed as a parcemege. IMPORTANT NEWS Isn't it time you reward yourself? An exclusive seladion of merchandise has been arrenged for you. Log on to www.mybonuscerner.coM37807 and idemBy yourself as a Chase Cardmember to take advantage of this special Reward. Hurry -expires April 15, 2008. Save on nearly everything for your home: repairs, renovation, shoppng 8 more. Learn more at www.completehome.com/Chase, and you71 be ideniNied as a Chase cardmember entitled to this great Trilegiant oiler-which includes $20.00 Lowes Gitt Card! This Statement is a Facsimile -Not an original J[ 0000001 F1533335 C 3 000 N Z 28 00N226 Paga / al 3 00082 MA MA 83632 08910000030009363201 10 of 25 Address Change Request Please provide information below only R the address information on horn is incorrect. Street Address: _ _ ___________ City: State: Zlp: Home Phone: Work Phone: E-mail Address L In lermalion About Your Accoast Lost or Stole^Cards: Plaaza report your lost or stolen card immedla[dy by tolling the CustomerSarvlce number found on ma hoot of your statemxrrt. Advisors are always available to assist you. You tan teeth an Advisor by Dressing Oaftar you enter your account number. Crediting of Papnsats: For payments by regular U.B. mail, sand at least ® your minimum p<nymant due to our post office box dasipnatxd for paymxnls shown an this statement Your payments by mail must comply with [he instructions on mis sMlemenl, and must be made by check or money order. payable in U.S. Dollars, and draYm on or payable Nrough a U.B. finandal institution or the U.S. branch of a fordgn firtandal insfitulion. Do not send cash. Write your atxount number on your check or money order. Pvymants must beaaompanied by the payment coupon In the eivelopa provided with our address visible through the envelope vvindow: me envelope nnnot e contain rnora tlian mice paylnant or coupon; mid meta can be no stables, paper dips, raga m comaspondxnce Includxd with your payment. If your payment is in accordance wish our payment instructions and is made available [o us on any day except December 26 by 1:P] p.m. local time at our post office box designated for payments on this statement. rye vrill credit me payment to ymrr account as of tlat day. It your payment Is hl accordance vttdi our paymaru Instrumlons, but Is made available to us rRter 1:00 p.m. local li me at our post office box designated f or paymerrts an [his statement wa will credit h to your account as d me nzx[ day. If you tlo no[ f ollow our pwmxnt instructions or If your paym art a not sent by regular U.S. mail b our post oflice box designated for paymalnts, crad'Nng of yourpaylnxnt may be delayed for up l0 5 days. Payments made dectronicdly through our automated telephone service. Customer Service advisors. or our web sie tMll he subject to any processing times disclosed tat Ihase paymems. Accouri IalomlaUon Reported to Credit Bureaus: Wa may report inform alion about your acxunt to trails[ bureaus. Late payrnems, missed payments or Omer defaults on your account may he refiec[ed in your credit rxDOrt If you mink via have reported Inaccurate hiformatlon to a credit bureau, you may wdta to us at tlnx Cardmember Service address Rs[ed on your hitting statement. Notice Ahoat Electronic f]reck Lomersioa: When you provide a check as payment, you aumonze us tither to use infarmaoon from your check to make a one-time daRlonic hod [ransler from your account or to process the pnymant as a check imrlsaction. When era use informatlon frmn your chadt to make all elaetronic fund transfer, funds may t>B vrimdramn fran your account as soon as the same day wa receive your payment, and you wgl riot receve your chadt hack from your ilnandal hnstltutlon. Cale me tzlstornxr seMce number on this s[atxnent II you Nava questions shout dactronic check collection or do oat want your paymarrts collected elechordcdty. Loditi Deal Payments: Ary payment check or Omer form of payment that you send us for less man the full balance due that is marked "paid in full" or contains a similar notation, or iht[ you othenvisa [ender in full satistadion of a disputed amount, must ba sent to Card SxMces, P.D. Box 15040, Wllmington, DE 19850-5049. We reserve all our rights ragardinp mace payments ie.g., if it is determined mere is no valid dispute or it any such check is receved at any other address. we may accept me check and you tell still owe any remaining balancaj. Wa may refuse to aceept arrv such payment by retuning it m you, not casMng It or destroying it. All Omer payments that you make should be sent [o [ha appropdata payment address. Anssal Renewal Nalice: II your account has an annual fee, it Trill be frilled ztch year or in monmN installments, iv}namar or not you use your account, and you agree to Day it vrhen billed. The annul tee fs non-rxhndable uiless you noefy us diet you vrish [o close your account wRNn 30 days of ma Bala we mail your statement on which me annual fee u charged and at me same one, you pay your outstanding balance m full. Your payment of the annual fee doxs not affect our rights to dose your aca~unt and to limit your right to make transactions on your account Ii your account is closed by you or us. we anti continue to charge the annual fee until you pay your outstanding balance in full and terminate your account reWOOnship. Explaltatios d Fusu CMryss: Wacdculata periodic fnarlce dnarpes, using the applicable periodic rates shosm on this statement. separaldy for each feature (eg., balance transfer/cormnlern.a checks mid cash advatce checks {"check transaction"j. purchases. balance transfers, cazh advances. promotional balances or overdraft advances] These calculations may combine dilferont categories trim me same daily pedodic rates. II mere a a 'V' neM to a periodic rate on tlile statement that rate may vary. and [he index and margin used tB determine that rate and its corresponding APR are described in your Cardmambar Agreement, as amended.' There is a mininum flnancx chargx m airy billing ycle In whlzhyou owx arty pedodic finance dnarges: and a transaction finmice dnaga for each baknnce transfer; cash advance, or check transaction, in ma amounts stated in your Cardmambar Agrewnenl, as amended. To gat ma daily balance for each day of the current billing cycle. tie take the beginni ng balance Fo r oath feature, add any near hansacnaru or other debRs (including fees, unpaid Hnance charges and other charges). subtract any payments or credits, and make omen adjus[menb. Tmnsacoons are added as of me transacoon date. me beginning of me billing cyce in which they are Dosted to your account. or a later date of our choice (except tlna[ shale tmnsactimts era added as of tliB data deposited by Ota payee or a later date or our choice). Fees are added ximar on me dire of a related transaction, the data they era Dosted to your account, or the last day of the biding cycle. This gives tls tlut dnys dally balencx. A eredlt balanex is trzatad as a bdanex of zero If a daily periodic rate applies m any laature, wa multiply me daily halance by me daily pedodic rata to get your periodic finance charges for That day. We men add these periodic finance charges to your daiN balance to get the beginning balance for the next day. (If more than one daiN periodic rata could apply based on the avenge daiN, balance, vve wIR rise tlia daily pedodic rate that aDPlies for the average daily balance amoum a[ the end of ma billing c;rclB to calculate did dally pedodic finance chargx Bach day.) To get your total pcho0ic finance charge for a bi0inq cyde when a daily pedodic rate(s) aDDlias, sva add allot the daffy Dedodic firwnce diargaz forall features. To determine an average daily balance, ue add your daily balances and divide by the number of Iha days in the appliable billing tydeisi~ If you m ultrply me averagx daily Mlance for each IeaWre by me aDDliurble daily pxriodlc mte, and than multldY Mdt of mesa results Lry the nunber of drys In the appllaiblz bRling cydejs), and men add aA of mx razulb togemxr. the fotd will also equal the pedodic finance charges for the bilhng uyck. except br minor variations due to rounding. To get your tool pedodc finance charge for a blltlng crda whet a moriYtly pedodic mte(s) applies, multiply the average daily baianca for each feaWra bl the applicable monthly periodic rate and add the results together The toml will equal the periodic frnance charges forme billing uycle, except tar minor vadadans due to rounding. Grxe Poded (ri least 20 daysr We accrue periedk finance charges on a iansacdon. fee. er finance charge from the data it is added to your daily balarnce untll payment In full is received on your account However wa do not dnarge pedodic finance charges on new purchases biled during a billing cyde R wa receive bosh payment of your Nevr Balance on yore current statement by me date and tlrnx your paymetl is due and also paymerrt of your New Balance Oli your previoiu statement by me date ant timeyour payment was due. There is no grace period for balance transfers. cash advances, check transactions, or overdraft advaricas. la additioe• it there is a °DraNlying Pranotioari Fnaneiap" eacboa o^ rils statemerd, you trill not incur pedodic fnarnce charges on any Remaining Baance mat appears in mat section if you pay ma[ balance in lull by me applicable Ezpiraoon Date. Te avoid finance charges on new ourchasaz when your New Balance includes arty Ramairninp Balancei.s5 in Iha DtmliNinp Prenotfonal Fktandnp sactlon. pay your fuR Naw Balance mints the total of nose Remaining Baianceis) L; tlia data and time your payment is due However. if yon statement shows thalamirnim um payment Is due, we m test rxdve at leas[ met mhdmum payment by the data and tlm e spedfled on your statxmem, even If your New BaWli,;a wnsists onry of Dualifying Prornodonal Financing balances. Also. for soma Qualifying Promooonal Finandng balances. pedodic finance charges accrue during the promefioral period but are oat added to your accenm balance. hnslead, airy aaumulrie From tJlling yda [o billing tyde. This Is referred to as "deferred Interest" If a dalarred knter2sl DuatHylnp Pmmotlond Fllnencing baMnce le not paid hhit M,r the eppllcablx Fxpimtlon Data, and deferred finance charges trip be added to youraccount az soon as me first day aher me Expiration Date. Further, if you default under the terms of your Cardmambar Agreement, the deferred finance charges still he added to your account az soon as the date of default. BIWMG fl16MT5 SUMMARY la Case of Etvon or Uuesttloss About Your BIIY. If you Ynink your 6111 Is vrong. or if you need more informaoon about a transacton on your bill. write Cardmambar Service on a separate shoat ffi P.^. Box 15299 Wilmington, DE 198505299 as soon as Dossibla. Wa must hear from you rw later tlnan 60 days after na sent you ma first bill on efiich me error or problem appearatl. You can telephone us, but doing so viii no[ preserve your tights. In your letter, give us the Follovring information. • Yaur name and account number • The dollar amoum of the slupected error • Describe tlia eror and expidn, it yon cart cdryyou believe theta is an error. If you nxad more Inlonna[ion, describe the Item you arz unsum abotR. You do not have to pay arty amount in quxstion while we are hwestlgating. bm you era loll obligated to pay the pans of your bill that are not in question. While we imresogate your question. ere canon report you as delinquent or take action to collect me amount you question. If you have amho dzad us to Day your credit card bUl automaticalY/ iron your s<•rvings or checking arxounl you can slop me payment on any amount you mink is wrong. To stop the paymam. your later or call (using me Cardm ember 52Mcx address or telxphona mimbxr shoem on this statamenD must reach us at I~st dnrae business days befire me automatic payrnent Is schxdulad to occur. Special Rrrle for Credit Card Purchases If you hoe a problem crih me quality of goods or services that you p umhased win a credit card (axdudi ng purchases made tvim a checks. and you have tried in good faith to correct ma problem vrltln the merchant, you may no[ have to pay me rennining amount due on me goods or services. You have mis protecoon only when me purchase price was more than 95D and the purchase vss made in your Noma stela or within 100 miles of your mailing address. These limitations do not appN, if vre oY!n or opamte ma mardnant ar it we mailed you the advartisenxn[ for the propzrN ar sarviczs. MAd21207 11 of 25 Take Advantage of Your Credit Line! As a preferred cardholder you're entitled to significant privileges including the Balance Transfer checks below. T71e}' come with the rate you aheady enjoy with }roar card.' Transfer Balances, Pa}• bills, Make a purchase! Use these checks to: / Transfer balances from higher-.4PR accounts / Make a special purchase / Pay fur home imprrnements To begin saving light away, just put the checks below to wrork for you. Y"ou can write these checks for any amount - up to the unused portion of yrour credit line. `See the "Important Information" section below for mole details. DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 1 70 50-1 857 Mott pose b yon oceoau4 >ti Ae potetreg m,<nom mr< ofoarzdmos b as rh<,rrR tute¢ Ayoav on r ~ ~ ~ ~ i ~ I I .~ ~ i '' ~ I II II~ rA ,.i F Q a a+ m t` I z I -~d U I . ~ F4~Q+ p~p Q W a Dare MKT11M5 7588 999 Sfi-1551!441 PAY To 77Q+ Q OADER OF ~P Void Void Void Void Voi>d.B~ TIDS DOCDhffN'I CONTAINS AN A]i2II'IQAL WAiF1tMARR, ADSPNCE OFTtQe FEA]VRE YJII1. BiD]UYEA CCPY Payade through' CE51, Delaware, di 43075 7119 MI,MO SIONANAE ~:D44ii55iLt:337ii50D82i4561r'7588 Mull pot! b yovs accww by 1\e posWq doYNord dole fP4/18'10p8 b gA1M APR sJOlad iAlov DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 Dart 7589 999 56-1551/441 PAY To Tyre Q ~~ O]iDEA OP ~D Void Void Void Void Vow T}D5 DOCi1M1~Nr CONTAINS AN AA'fIPIC1AL W ATERMAItA, ABSENCE OP'IISS FEA'NRE WIILINIDU-IE A COPY PayarNe rhroug n: CBSI, Delaware, OH 43a 5 MEMO ~:D44ii55iit:337ii5D082Lti56tl'7589 'IMPDItTANT IIVmRMATIIIN: The use of lha attached check(s) a drabfsl will constitute a cfiage agairEl lour cred'd account. APR: Your APA for the atladled dteck(s] is the shrdard rate fa Robots Transfer Checks on your alx;onnl. Tntxaction Fee Finance Charges: Please see your Cardmember Agreement for am/ appliabk transaaion lees. Ri~hl to Decline: tt checks are part of this offer, checks that poet aflar 6le wid dale dscbsed or that are made payable to us or one of our rataied boots or canpanies:vil M dndined. Under certain ciramstanas t6r example, A your acoount is past due or over limit, or it vB reasonady bal'nre that youril M unable or unveiling to reps/the balance or as desaibed in your Cadrnemter Agreamadj, we may decline to proYSS your transaction, in which caseya wifl be ndfied. ment Allocation:4ye mr,• alkrate payments to Lvlarrxswith lore APRs iindudinpp lalarrxs wih idrodudo ,• and promdional APRs) betas apph;ing paymeds to higher A balances. This means that am, gamolDnal period disdcsed to you may be shorter based oe your payment amourds and APRs al other balances DelanR:Am introduday, pomolgnal, a standard APRs am caningen m your complying wgh the terms olyour acmunt Fa example, ifvour paymed to us's not reoeraed by the dale and lima •/as paymed z due; i • ur ac~unl is o?erlimd: or if a pamlent to us is not honored hfyour bank, the inlradlrJa~, pramdional, or standard APR oilers may erd and the ARIs on all balalaces and nee: Iransadions on ywr account udl adjust to the applicable rate and bemne eflectne as of lfe M1rA day of the t+lling n;ck in which Ne defauh oxurs. Craee Pedod: A grace perod will not apply to transaction Irom this offer. Cardmember Agreemem: For hlnher tlbails abed terms or condtlans on your arrounl, please rekr to your Cardmember Agreement. Dlher Itemc II you pa/ any d'spufed amounts, you mat lose ywr right to dispute Ihem. This otters rot valid if your aocould has been cam~erted to am/other product type. such as to or from a `co bland" or ocher 'rewards' account. d applicabe, onH rheas Thal vex hsue br your acmuM are:alid Checks Iran >hle filer deposited into your bank armunt al al~f tank iincludinp any of wr Lanksj mat be subject ro a dela• le the a4ailabiliN, of trace lands. Chefs used to aaxss your aaoud mist be presented to us in paper loan. If a check s presented N us ek'ctronialh/. we mad not ba abbe to aazpt it due tocertain dtzdc prazssing elks wa must adhere to. DSC1/273 12 of 25 a ~ o 0 ~ m= _ ~~ ~ o~ - ~ ~ T - ~ ~m ~ p~ ~ ~ ~ s "' ~ 0 0 ~o ~~ 0 ~~ ~~ ~o n z °z ~ 13 of 25 Statement for account number: 4266 8411 5008 2145 New Balance Payment Due Date Past Due Amoum Minimum Payment $9,481.73 04/17/08 $0 00 $168.00 Mike your check pry~ble to Chix Cvd Servlaei Amount Enclosed $ New address or a-mail? Pdnt on beck. CHASE ~ 1 want to purchase optional Chase Payment Protector Ian. IYe read he Bengtits 8 isclosures on~edc of 7f7sert. 426684115DD82145DD0189DDDD9481735580654 94506 BIX Z 09909 C DANIEL HAUSER 633 HERBAGE CT MECHANICS BURG PA 17050-18 57 CAR DMEM BER5ERVICE PO BOX 15153 WILMINGTON DE 19686-5153 1:50^D L6D 281: 20 3 L L 5DD8 2 L4 5611' "~`~ eate: ~ a ~I l a 02/29/08-~ 2~/0 8 CUSTOMER SERVICE II• 1" AMERICAN ~~ er P D ue D t m / 0 S. 1-888-305-4016 ~In U KEJdNEI-CLllB" Y ~ Mini um Payrnant Due: . $188.00 ESpaR01 - 1-886-446-3308 ~~ TDD 1-800-055-8060 Pay by phone 1-800436-7956 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 9411 5006 2145 Previous Balance $9,130 54 Total Credit Line $11,000 ACCOUNT INQUIRIES P.O Box 15298 Payment, Credits -$225.00 Available Credit $1 518 Wilmington DE 19850-5288 Purdtases, Cash, Debits .$576.19 Cash Access Une , $2,200 New Balance $8,48173 Available for Cash $1,518 ppyMENT ADDRESS P.O. Box 15153 Wilmington, DE 19`,.°.6-5153 VISIT US AT: www. Blase. ceMCreditcerds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transadion Description Credit Debit 03109 24435658069200069350308 WINE 8 SPIRITS 2106 MECHANICSBURG PA 50.21 03/16 10760762700005117566592 Payment-Thank Vou 225.00 03/24 24472668085185166467603 CMNWLTH OF PA 800-4874567 PA 395.00 03/24 24472688085185166469393 OPAY CMNWLTH OF PA 80 0-48 745 67 PA 9.84 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Averege Daily Due To Transaction Acwmulated FINANCE Category 28 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purdtases 00000% 0.00% $3,441.76 $0.00 $0.00 $0.00 $0.00 Cash advances V .05819% 21.24% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Ettedive Annual Percentage Rate (APR): 0-00% Please see Information About Your Account section for balance computation method, grace period, and other important information The Conesponding APR is the rate of irllerest you pay when you carry a balance on any transaction category The Effective APR represents your total finance dlarges -including transaction lees such as cash advance and balance transfer fees -expressed as a percentage IMPORTANT NEWS Unlimited local 8 long distance calling for $24.99/momhl Try Vonage for 1 month onus! Call 1-80 0-65 941 82 or visit www.vonage.com/savings37. Vonage 811 operates diflarernly See www.vonage.com/911. Additional tees 8 restrictions apply By responding I confirm that I am a Chase a~stomer. Save on dining, activities, hotels 8 mare with Great Fun. Learn more at www.Grea7lunstle.coMChese. and you'll be idemitied as a Chase cardmembar antitletl to this great Trilegiant otter, including $20.00 Cash Back for dining! Guard against identify 1he11 and manage your credit information with Chase ID Protection. Get unlimited access to 3-in-1 credo reports and scores, daily monitodng of your credit files, timely alerts and more To purchase, call 1-886-717-7534 or visit www.chaseitlprotectioncom. This Statement is a Facsimile -Not an original 0000001 FI533335 C 0 000 N Z 26 O6N328 Pape 1013 00092 MA MA 94506 06610000030009450601 R INS13009 IN 9126]9 6 of 25 Address Change Request Please provide iniorma7ion below only it the address iniormetion on scorn is incomeM. Sheet Address: _ _ City: __ State: __ Zp' ---- - Home Phone: _-- -_ ____ Work Phone: ___ __ ____ E-mail Address. Information Abend Your Aceond Lost or Stolen Cards: Plxazx reportyour lost or stolen card imrnedlatdy by selling Ihx Customer Service number found on tlu front of your slatemxrtt. Advisors are always available to assist you. You can reach an Advisor by =_ grassing Oaltxr you enter your account number. •~ Lredking of Payrm ants: Far payments by regular U.S. mail, send at lead ® ymu m inimum pnymant due m our post olfice box dxsipnatad for ptrymants shown on this statement. Your payments by mail must comply with the instructions on this statement, and must Da made by check or money order s payable in U.S. Dollars, and drawn on or payable through a U.S. finandal inslinrtion or the U.S. branch of a ford gn firtancial iltstlhtllon. Do no[ send wsh. Write your aaounl number on your check or moray order. P•tymants m usl be aaompanfed fry the payment coupon in the dtvdopa provided witlt ~ our address visible through the eneelope window: the envelope donor contain rnorx tltan one payment or coupon; and Thera can he no stables, paper dips, tape or comespondencx Included with your paylnen[. If }roar payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:DD p m. local time at our past office box designated for doyen cols on this statement, vie tog credit the payment to your accotmt az of that day. II yo ur payment a in aaordaltce tads our palnnartt Inslructlons. but I5 made available to us attar 1:00 p.tn. lopl timeat our post office box designated for Dayments on [his statement wa will [relit R to your account as of the next day. If you do not follow our payrnxnl instructions or if your perm eln a rid sent by regular U.S. mail to our post office box designated for paymaltts, ueditlng of yourpayrnxn[ may be delay ad for up to 5 days. Paym ants made declronicdly Through our automated telephone service. Customer Service advisors. or our web s4e will be subject to any processing times disclosed for Mose paymems. Accoum laformadon fla~orted to Credk Bureaur: We may report Information about your aGrounl to credit bureaus. Late payments, missed payments or other defaults an your account may be reflected in year credit report. If you tldnk wa have reported inaccurate informatlon to a credit bureau, you tray wdta [o us al tlu Cardmernber Service address listed on your billing statement. Ndire Ahoel Electronic Check Wmarcior: When you provide a check az payment, you authorize us tither to use inlortnation from your check [o make a aria-tlme dactmnic find transfer from your account or [o Draws Ne p.Yymant as a check trareadlon. Wltan Iva use information Tram your shack to make an electronic fiend transfer, funds may he vrlthdratvn fran yonr account as soon as the same day the receive your payment, and you will not raceNe your shalt ba tit from your finandal Instltutlon. Call the alstomxr seMce number on this statalnent If you have questions about dxaronlc. chrxk collection or do rat [rant your doyen tots collected xlectrdnicdry. Loniiti coal Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar natation, or That you pthenvisa tender in full satisfaction of a dlsputxd arnoun[, must ha sent to Card Sxn4ees, P.^. Box 15040, Wllming[on. DE 19850-5049. We reserve all our rights regarding Chase payments ie.g., if it is determined there is no valid dispute or if any such check is receved at any other address. we may accept me check and you tall still owe arty ram tiring balance). Wa Inny refuse to accept any such payment by ratuming it to you, not cashing it or destroying it. All other payments that you make shoal d he sent to the appropn ate payme n[ address. Annral Renewal Notice: II your account has an annual fee, it rAll be billed each year or ht m ontltty installments, rAtathar or rat you use your acaurn, and you agree to pay it tither billed. The anntkml tee is non-rafundaDle unless you notlfy us tltat you vAsh to close ypur account wkhln 30 days of the data Ira mail yom statement on nhich Tha annual fee a charged and at the same time, you pay your outstanding balance in Full. Your payment of fha annual fee does not affat our rights Ip doss your oceans and to limit ymu right to make transactions on your account Ii your acwunl is closed by you or us. we rAll contlnue to charge the annual fee until you pay your outstmding balance in full and terminate your account rakaonship. Explarntior d FakGO Chargss: Wa calculate Dedodic Fimtnce dtarges, using fha applicable periodic rates shovm on this statemett separaldy for each feature (e.g., balmtce transfer/colrvenienca checks and cazh advance checks ("check transaction"). purchases. baknee transfers, cash advances. promotional Datances ar overdraft advancesj. These calculations may combine dilferen[ ®tegories rAth the same daily periodic rates. If there is a 'V' next to a periodic rate on fha statement [hat rate may vary. and [he indent and margin used to determine that rate and its corresponding APR are tlescnbetl in your Cardmamber Agreement, as amended. There is a m Inhnum finance charge In any 6IIIIng cycle In which you owe tiny pedodic finance dtargas, and a transaction finance chnrpa for each baknnce transfer, cash advance, or shack Iransa cdo n, in fha amounts stated in your Cardmamber Agreement, as amended. To get [he daily balance for each day pl [he current billing cycle. the take Tha beginning balance Fa r earn feature, add any nets transa ckore or other tlebas (including fees, unpaid liriance charges and other charges) subtract any payments or credits, and make other adjustment. Transactions era added as of the transaction date. the beginning of [he billing cycle in efiich they are posted to your account, or a later dale of our choice (except that cha.k Irans<~dians era added as of the data dap osi tad by tlra payee or a kur date of our choice!. Fees are added aitlur on the data of a rda[ed hansactlon, the dale they are Dossed to your account, or the ksl day of the biding cycle. This gives tls tltat dray's dally bnknca. A credit balance a treated es a balance of zero. II a daily periodic rate applies [o any feature, the multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We tlten add thane pedodic tlnxnce charges to your daiN, balance to get the beginning Ddanca for the next day. tlf more tltan one dalW, periodic rata could apply based on the average laity balanw, we wtll use the daily pedodic rate that applies for the average daily balance amoum a[ the end of dla DII&ng cycle to cnlculatx tlta dalN pertadic Potana charge arch ley.) To get your total periodic finance charge for a billing cyde vrhen a rtaily pedodic rates! aDDllas, tw add all OI ihx daily Dari odl[ finance dtargas for all features. To determine an average daily balance, to add your daily balances and divide by the number of the days in the applicable Dillirg cyde(s). If you Imdtiply the average daily faience for aaph lecture by the apDgcable tinily parbdle rate, and dun multlDly lilt of these results try the rxmber of drys In tlta apppcnblx blllktg cycle(s), artd dun add all of tlu rxsulb togethat the total will also equal the pedodic finance charges for the billing cyck. except for minorvadaaons dceto rounding. To gatyourtotal periodicfkance charge far a Olllhtg cydx whet a montldy pedodic rate(s) applies, multlpty the average daily baance for each feature by the applicable modMy parodic rata and add IM results together Tha total will eryual the periodic finance charges for the hilgng cycle, ezcept for minor variauons due to rounding. Grace Pedod (at least 20 days): We accrue periodic finance cha rgrs on a transaction. fee. or finance charge from the data it is added to your daffy balance until paymaltt in full is received on your account However. we do not dtarge pedodic finance charges on raw purchazas billed during a bilfing cycle tl vin receive both payment of your Nan Balance on your current statement by me date and time your pa;nneltt is due and also paymeltt pl yota New Balance on your Dtavio lu statement by the data and time your doyen em was due. There is no grace Dedod for balance transfers, cash advances, check transactions. or overdraft advances. In addkior, ii there is a "Otalitying Ranotional Fnarxia~' caMion oa tltls ctalemerrt, you vAll not Incur pedodic finance chargaz on any Remaining Balance that appears in that section if you pay ma[ bafance in fug by the applicable Ezpiradon Dale. To avoid finance charges on new purcftasaz when your New Balance includes arty Ram airing Balance(s) in fha DrknfiN, Ing Promotional Finandng sactlon. Day Your full Naw Balance minus the total of tltose Remaining Balancers) by tlta dote end time your payment is due. However, if your statement sh otvs that a mir9mum payment Is due: we racist restive M tares tltat minimum pnyrn enl by the data and tlme spelfied an your statamerrc, even If your Naw Bnlancx consists onty of Qualifying Prom otlonal Finmcing balances. Also. for some Dualifying Promotional Rnancing balances. periodic finance charges accrue during [he prompkonal period but are not added b your acroun[ balance. htslead, tltey accumulate from billing yle to billing yde. Yids Is referred to as "dxfened Interest" If a dxlxrrad htterxst Qualifying Promptlonal Potendng balance 4s not geld In tug by flu apptlcablx F~Iratlon Dale, the deferred finance rhargesavill be added to your account az soon as the first day alter the Expiration Date. Further, if you delault under the terms of your Cardmamber Agreement, the deferred finance charges tMll be ridded to your aaount az soon as the data of default BILLING RIGHTS SUMNIAflY la Case d Errors a GueaUaes AboIN Your BIII: If you tltlnk your 6111 Is rmong. or if you need more informabon about a transaction on your bill. write Ca rdmxm her Service on a separate sheaf d P.^. Box 15299 Wllminglon, DE 19850.5299 as soon as posdbla. Wa must hear from you fro later tltan 60 days alter wa sent you fha first bill on t•Atich the error or problem appeared. You ran tdephona us, Dut doing so volt no[ preserve your rights In your letter, give us the follot•Ang information. • Your name and account number • The dollar amoum of the suspected error • Describe tlta acct and expltin, if you can. vApryou believe theta is an error. If you nand more information, describe the Item you era unsure about. You do noI have to pay any amount in question Mtile we era Irrvxstlga[ing. but you are still obligated to pay rbe parts of your bill that are opt in question. While awe investigate your question. tin cannot report you as delinquent or take action to trolled the amount you question. If you have alrthorizad us to payyour credit card bill automaticdty from your savings or dredcing aaount. you can stop the payment on arty amount you think is rnong. To slob Tha payment. your taker or call (using [he Cardmamber Sxrvlpx address or telxDhona number shovm on this sta[ament) trains reach us at I~st tltrae business drys before the automatic pm/rnent is adulated to occur. Special flnle for Credit Cad Purchases If you have a problem vlkh the quality of goods or services That you purchased with a credit card (excluding purchases made vAth a checki. and you have tried in good faith td correct Ihx problem wltlt the mercham, you may not have to pay the rarnabting amount due on me goods or services. You have this protectlon only when the purchase price tins more than S50 and the purchase ryas made in your home state or within 100 miles of your mailing address. These IimiLnimu do no[ apDty if vie own or operate tlta marltant, or it we mailed you the advxrtistYnant for ttte prapxM, or sx rvicxs. MAD212D7 7 of 25 Take Advantage of Your Credit Line! As a preferred cardholder you're entitled to significant privileges including the Balance Transfer checks below They come with the rafe you already enjoy with your card.` Transfer Balances, Pay bills, Make a purchase! Use these checks to: / Transfer balances from higher-.4PR accounts / Make a special purchase / Pay for home imprrnements To begin saving right away, just put the checks below to work for you. Y"ou can write these checks for any amount - up to the unused portion of yow cre8it line. 'See the "important Information" section below for more details. MKT71526 Mwl post b yow accwud by the porfbeg daJeNord dab of 0327/2008 b Sd the MR slmed U yow ~ r .Z M U .! F :: v qwQ N z F l ~~ .IH ~ Q~~ DANIEL HAUSER 633 HERITAGE CT MECHANICSDURG PA 1 7050-7 857 DArP 8254 999 56-1551/441 PAY To Ta¢ Q ~~ OamFx OF ~7 Void Void Void Void Vo~d.~ Tint DONhII+IiT CONTAl1JS AN AATIFIQAL WA'IPRMARI( ABSFN(E OP TIUS PFANRE WII3.-~IID U7E w COPY Payable Jhrtwp h: CBSI, DNaware, OH 63015 7119 Mrsao SJGNATIrne x:044 1 1 5 5 1 La: 3 3 7 1 15DD8 2 145677'8 254 Mwl post b yow oeeornl by tar posliog doLNoid dole of05/1~/1808 b gd JM MR sJmed in yow Ar DANIEL HAUSER 633 HERITAGE CT MECHANICSDURG PA 1 70 50-1 85 7 DArL 8255 999 56-1551/441 PAY To Te¢ Q OamFn of °D Void Void Void Void Vo~dAa~ T}r35 DOCIIbffNT CONTl,INS AN ARI]FIQAL WAT0IMAAR, AHSFNCE OF THIS FEATURE WIILINDIUTE A CCFY Payabe ehrou0 n: CESI, Delaware, OH 43015 MFI.10 S]GNANRE ~:044ii55i1~:337ii50D821456n'8255 'IMPORTANT INFORNATION' The use of the attached checks; ar draBlsl will con stdufe a charge against war credit acoourd. APR: Your APR far the aBadted rheck(s} is me standard rate hx Balance Tranaler%hecks on your acocunt. irotwction Fee Finance Charges: Please sex your Cardmembxr Agrexmxrd br amt applkabk hansaaion lees. Riihl to Decline D checks are part of this otter, checks that prat alter the !mid date disclosed orthal are made payable to us or one of wr related banks or companies •;nll ba declined. Under certain ciramstances (br azample, if your arDOUnt is ~ due or over limit, or it rte reasonahhy beliavathat you rill be unable or wailing fo repaythe balance or as desaihxd in your radmemter Agrexmxntl. Ne may decline to proxss your Iransaclbn, in xhieh case you sriB he notified. Ferment Alloralion: Yk may allocate payments to lnhrrxs ssilh krR APRs Indudin lamrrxs n•Bh inhoduclory and promGionalAPRs) beforz apph,~ing payments to higher A balances. This means that arcf promotDnal period disd~ed to wu may be er based on war payment amounts and APRs on other balances. Delault: Any introdudary, promolpnal, a standard APRs am anlinpent on your canplying :+•ih theterms of war aarount For example, ii your garment to us is not rerziaed bf the deli and lima •) our pafmxnt a dux; i •~our acceunl iso?edimB; or it a pa•mmt to nss not honorxd hy' our hank, the inlrodudory, romdional, ar slardard APR otters may end and the APAs on all balances and nrs transadbns on your aceourd will adtusi to the appligbk rate and become ellectise as of the firs) day of the Mllim c; ck in which the defauh orws. Graee Period: A grace perod will not app'y to transactions hum this offer. Carlmamber Agreement: For hldhxr dxlails atnut terms or condilpns on your acsoum, pLase rxlxr to your Cardmxmber Agreement. Other Items II you pa( any disputed amounts, you mat lose your r'lght to dispute them. Th's offer's not slid if your aarount has been comeded to arty other pradud type, such as to or frorn a `co bend" or other °rewards' account B appFaade, onM dreds Ihat we we br war account are solid Checks hum 1hs otter depasBed into war bank armunt at elf hank iinr~uding any of our tmnks} ma~ be subject b a dela• in the aaihbilit;• of Iho~ lands. Chx~s usxd to avxss your am.GUnt mrst !K presxmxd to us in paper form. If a chick's Ixxsenled to us elxdronix y, ux may tat ~ ab~e to accxpl h due to cenam drxde proxssing nlAs srx must adherx to. OSCt 1344 8 of 25 e ~ o 0 ® m z ~ ~ ~ -_ o o °m ~ ~ m ~ °w O Y ~ ~ P ~ o c m 0 0 $~ i3 ti n fo ~ g °z ~ c ~ 9 of 25 Statement for at:oourtt Dumber: a26r3 eai~ 5oos zia5 New Balance Payment Due Date Past Due Artrourn Minimum Payment $9,893.19 OS/16/08 $0.00 $187.00 Make your dteek pq~bk to Chax Card 9ervlas Amount Enclosed $ New adtlress a e-mail? Pdn[ on back. 426684115D0821450DD197DD009893195598596 Bt360. BIX Z 1190e C DANIEL HAUSER 633 HERffAGE CT MECHANICS BURG PA 170 50-18 57 CHASE ~ I warn to purchase optional Chase Payment Protector Plan. IYe read he Benglits 8 Disclosures on beck of msen. CAR DMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 t: 50DD L6D 28t: 20 3 L i 5D08 2 L4 5611• *~.,, {I• ~~(1'(((~^ ~ AMERICAN Opening/Closing Data: Paymem Due Date: 03/29/08 -04/28/08 CUSTOMER SERVICE 05/18/08 In U.S. 1-888-305-4016 ~ C~ KENNELCWB- Minimum Payment Due: $197.00 EspaPlol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Numixr : 4266 8411 5008 27 45 Previous Balance 481 73 Total Credit Line $9 000 ACCOUNT INOUI RTES $11 Payment, Cretlds . . -$200.00 Available Credit , ~ $1,106 P.O. Box 15298 Wilmington DE 19850-5296 Purdhases, Cash, Delta +$611.46 Cash Access Line , $2,200 New Balance $9,883.19 Available for Cash $1,106 pAYMENi ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. mm/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Raie Corresp. Average Daily Due To Transaction Acatmulated FINANCE Category 31 tlays in cyde APR Balance Periodic Rate Fee Fn Charge CHARG FS Purchases 00000% 0.00 % $3,909.47 $0.00 $0.00 $0.00 $0.00 Cash advances V.05819% 21.24% $0.00 $0.00 $0.00 $0.00 $0.00 Balance Transfer .00000% 0.00 % $5,800.00 $0.00 $0.00 $0 00 $0.00 Total finance charges $0 00 EHectlve Annual Percentage Rate (APR): 0.00% Please see Information About Vour Account section for balance wmputation method, grace period, antl other important information The Corcesponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Etlective APR represents your total finance charges -including transaction lees such as cash advance and balance transfer tees -expressed as a percemage. IMPORTANT NEWS Delight all the Moms in your life with terrific gibs from 1-800FIowers.com! Save 15%on gorgeous fresh flowers and plants, gourcnet gift baskets and more! Use code CHAS E77. This idenlilies you as a Chase customer. 'For details please visit www.1800flowars.coMdisdaimer'. This Statement is a Facsimile -Not an original 0000001 Fi533035 C3 000 N Z 28 08/Ot26 Paaet or3 00082 MAMA 81364 17910000030000138401 R IN8128]5 2 of 25 Trans Amoum Date Reference Number Merdtant Name or Transaction Description Credit Debit Address Change Request Please provide information below only it the address intorrnation on front is trimmest. Street Address: _ _ City: __ State: _- Zrp - Home Phone: Work Phone: E-mail Address: L -Iniormallak Abort low Aceourd Lod or Slolan Carrie Please repoR your bst or stolen card immediately 6y calling Ne Customer Service number bond on the front of your statement Advisors am aDNays availade to assist you. 7ou can reach an Advisor by pressing 0 after you enter your acceun[ number CrediBng d Payrnerk: for payments by regular U.S. mail, send at kas[your mini mum payment due to our post office box designated tar payments shown on this statement. Your payments by mNl must compy wIN the instmctlons on this statement, and must be made by check or money order. payable in LLS. Oakars, and drawn on or payable Nrouph a U S. imancial institution or Ne U.S. branch of a loraign financial insttutlon. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in me envelope provided •xiN our address visiNe through Ne envelope vAndor; the envxloce canna contain more Than one payment or coupon; and there can be no staples, paper dips. tape or co«espondence included with your paymem li your payment is in accordance wiN our payment instrurdonsand is made available to us on amt day except December 25 by 1:00 p.m. bcal time at our post office box designated For payments an this sfaremem. ^re riill credit Ne payment to your account as of Nat day. If your payment is in accordance :•nN our payment instructions, but is made avarkde to us afkr 1:~?~? p.m. IoW time at our post ohice box designated for Daymenre on Nis statement we will credit ¢ to your account as of the next day. Ifyyou do not bile:: our payment instrucdons or iF your payment is not sent Oy regular U.S. mail b our poll office boz designated for payments, crediting of your payment maybe delayed for up b 5 days. Payments made ekctrpnicaly Nrough our automated telephone service. Customer Service advisors, or our rreh site cAll be subject to arty processing times disdosed For Vase payments. - Acuurllrbmration Retorted b CredB Brreaue: We may report infortha§an about your account to credit bureaus. Lmta paymenk, missed payments or other defaults on your account may be reflected in your credit report If you Mink we have reported inaccu2te information to a credit bureau. you may writs to us at Ne Cardmemler Se wire address listed on your billing statement. Notice About Ekaronic Check Conversion When you provide a chede as payment. you auNOrize us either to use information Irom your Merle to make gone-time electronic fund transfer Fram your account or to process Ne payment as a check transaction. When :•re use inlarmation Fram your check to make an elecmonic fund transfer. funds may 6e :vRhdravm Irom your account as soon as the same day we aceve your payment, and you mill not receive your shed back from your finandal institution. Call the oasbmer service number on Nis statemem it you have questions about electronic check collectim or dD not want your payments colledetl elecUOnically, Condltlwal F'aymems: Any payrnentchxde or other Conn of payment thatyal send us for less Nan the full balance due Nat is marked "paid in WII- or contains a similar notation, ar that you oNarwise tender in lull satisladion of a disDutxd Amount. must ba son[ [o Gvd Services. P.D. Box 150-09, Wilmington. DE 19830-5049. We reserve all our rights regarding Nese payments i e.g., a it is determined Nere is no valid dispute or if arty verb che& is reuived at any other adtlress.:x may accept the check anA you ~aill still ovve arty remaining balance). We may refuse tD accept arty such payment by returning itto you, not cashing it or destroying it. All other payments thatyou make should ba sent [o Ne appropriate payment address. Annual Rerewal Notlce: If yow arrount has An AnnuAl lea, It will ~ billed oath year or in mDMhly ins4lhnents. whether or not you usx your accormt and you agrce tD pay it when billed. 1Te annual fee is non-refundable unless you notiy us that you wish tb dose your account within 30 da/s of ttre date we mail your statement on which Na annuAl face is rharyed and at Ne same rime you pay your outstanding balance in lull. You r payment of Ne annual fee doxs not aflert our fights to doss your account and to limit your ri ght to make hansartlons on your account. If you r aczunt Is closed fx/ you or us, vve trill continue to charge Na annual fee until you pay your outstanding baknce in full and tertninata you nrrount relafionship. ~tlaratb^ of Firarx:e Charges: We ctlctrlate periodic. fnancx draryes, using Ne appliabla periodic rates sham on Nis statement, separotery for aldt feature (e.p., balanw transfarRonvenienw checks And ash Advance rhadts ("shark Irensadion"). Du mhasas, balance transfers, ash Advances. promotional balances or overdraft advances). Plxase consult your Cardmember Agreement IDr Ne feahnes Nat are applicable to your card. These ralniktlons may rombine dllferent ateyories wiN the lama dairy pxdotlir, rotes. If Nem Is 8'V" next ID a padoNr, rAta On Nls smtxmant Nat rata may vary and Ne index and margin used to determine Nal rata and its rorrespontlinp APR rite described in ~rau Gvdmamber Ay reement, as amended. The re is a minimum finvla charge in arty billing cycle in which you orre any periodic finance charges. and a transaction finance charge for each hnlanre Iransle r, cash advanra, or shack lmnsartion, in Nx amounts stated in ~rour Cardrnernber Apraamxnt, as Amended. To gat Nz dally balAnce for xadr day of the current billiny cyclx; vre take Ne bapinning htJanx for each 1ea[ure. Add any now Uansactlons or other debits (Including foes, unpaid Iinance charges and oNxr charges), srrbtrect Any pvymants or rrxdits, and make oNer adjustmxnls. TrAnsacti ores are added As of Na transaction data, the beginning of Na billing ryde in which Ney are posted la your aaoun[. or a later data of our rhoia (except that shark transartlons Ara added As of Ne da to dapositatl try the payee or a later date of our choice). Fees are added either on Ne date of a related iron sarban, the date Ney are posted to yo ur aaount or the last day of the billing cycle. This gives us Nat days daily balan~x. A credit balance is treAted as a balance of rz ro. II a daily periodic rate applies to any feature, oa multiply Ne daiy balance try tie daiy periodic rate to get you penodid finnnce rhArges for that day. We thin add Ihesa periodic finance charges to your dairy baknca to get Ne beginning balance for Ne next day. !If more than one daily periodic rate could apply based on Ne average daily balance, we writ use the daiy periodic rah that apdies for Ne average daily halancx Amount at Ne end of the billiny cyclx to calculate the daily periodic bnance charge each day., To gat your total periodic finance charge for a bilkng cyde rrhen a daily periodic raters) applles, we add all of the daiy periodic finance charges for all features To determine an average daily balance, rte add your daily balances and divide by the number of the days in dro applirabk billing cyde(sl. If you multipy the average daily balance fa each (ealurc by Ne appkrabk daily periodic raze, and then multply earn of these results by the number of days in the applicable billing rydeisi, and then add all of the results together Ne total veil also equal Ne periodic finance charges for Ne bilhng ryck, except for minor variations due to rounding. To get your total pxdodb flnana charge for a billing ryde when a monMy periodic rahisi applies, mulpdy the average dairy balance for each feature by the apylimble monNty periodic rate and add the asdLS toyethar. Tha total will xqual the periodic hnnnce dlarges forthe billing rycle, except for minor variations due to rounding. Greco Poriod (al lead 20 days): We accme periodic finance charges an a t2nsacuon; Fee, or bnance dwrge from tlw date it is added to your daily balance urrti payment in iutl is received m your account. However, :x dv not charge periodic finance cnargas on new purchases bdktl during a bAling ryde if rx receive bdh payment of your New Balance on your current statement by the date and time your payment is due and also payment of you r Nev Balance on your previous statement by the date arrd time your payment vss due There is no grace pDeriod for balance transfers, cash advances, dreck hansactiens. or overdraft advances. b addition. if 4rere is a'Qualifyinp Promotional Fkrarrcinp' secaon on this statement you vritl not roar periodic fmance charges on any Remaining Balance that appears in that section if you pay tMt bdana m tuft Dy Na apdicable Expiration Date. Hovrenr, it you default under Ne terms of your Cardmember Agreement or any Oualilying Promotional financing offer Ne apdicable periodic fmance rharpes veil accme an anyy RemNning Balance as soon az the bitting ryde in which the default oaxrrs. Te avoid finance charges on new purchases Then your Near Balance indudes arty Remaining 8alance(si in Ne Oualitying Promotional Financing sreckon, pay your Full Ne:v Balance minus the total) d Nose Remairtinp 8alance!s) by Na date and time your payment is due. Harrever. rf your statement shags that a minimum payment is due, we must receive a[ leas[ Nat minimum payment hY the date and time spedfied an your statement. even ilyour Nee Balance consists only of Oualiyinq Promotional Fnancing balances. For 'dererted interest" Oualiying Promoamal Financing. periodic finance dlargas acenrx durkp the promotlonal period but are not added to your account balance. InsteaO. Ney accumulate from billing cycle b 6elinp ryde. If a defined interest Oualilying Promotional Finandnp balance is not paid in hill by Na appliabk Expimtipn Dale, the deferred finance charges will ~ added m your acceunt as soon as Ne firs[ day after the Expiration Date. Furlhe[ If yotr defatilt under Ne ttrtns of your Cardrnambar Agreement Na deterred finance charges vdll be added to youraacount as soon az the date of delaufl. For'Ybed paymxnt' Oualifring PromdtlmtU Finandng that penults yar to parr fora purchase In a designated dumber of payments. you will not have a grace period for Na[ MLince as each payment Inc-lodes a portion d Na interest ovred over Na rxpaymant term far that purchase. Hawa:2r, you will have A gmca period on other navy purchases as described above. BILLING RIGHTS SUMMARY la Cau of Errors or O restiorrs Abort Torr Bill: It you Nink your bill is :wrong, or if you need more information about a transaction on your bill.:vrih Cardmem6er Service on a separate sheet at P.O. Box 15299 Wilmington, DE 1985?-a299 as soon as possible. We must hear From yDD no later Nan GD days after vve sent you the flat bill on which Ne xmor or problem appeared. Yar can telephone us, but doing sa will not preserve your rights. In your letter, give us Ne following intormatlon. • Your name and axount number • TM dollar amount of iha stlspertad error - Desrrila Ne error and agdain, ifyou an, why you beliatre theta is an error. If you need more information. describe Ne item you are unsure about. You do not have to pay arty amount le question while vre are imes[iga0ng, but you era still obfi gated b pay Nx parts df your 6III Nat era not le question. While tve Investigate your questlon, tae cannot report you az detlnquen[ or take action to eoaect Ne amount you question. If you have au Noriad us to pry your credit and bill au[omatlalry from your savings or dreckinq account. you can stop [he payment on arty amwnt you Nink is wrong. To slop Na payment your letter or pll !using the Cardmembar Service address or klaphona number shown on this statamanq must renrh us at least Nrea business days before the Automatic payment b scheduled to otarr. Syecial Rrle for CredR Card frrrrckauc II you have a problem With Ne quality of goods or services Na[you purchased wiN a credit card iezduding purchases made rtAh a check), end yeu have tiled In good fatth Id cone t Ne problem vviN Ne merohant, you may not have to pay Ne remaining amount due on the goods or services. You have N¢ prpkc[ion only When Ne purchase prig was rnora Nan S50 and the W rchasx vies made in yourhoma stale or :rtthin 700 miles of your mailing address. These Iimilalions do not apply if we own or operate Iha merchant. or it via mailed you Na advertisamenl for the proDerry art services. rAamoroe 3 of 25 Take Advantage of Your Credit Line? As a preferred cardholder you're entitled to significant privileges including the Balance Transfer checks below. They come with the rate you ah~eady enja}• with }roar card.' Transfer Balances, Pay bills, Make a purchase! Use these checks t4: / Transfer balances from higher-.4PR acct~unts / Make a spedal purchase / Pay fur home improvements To begin saving right away, just put the checks below to wlDrk for you. Y'w can write these checks for any amount - up to the unused portion of }roar credit line. `See the "important Information" section below- for more details. MKT715D2 Muse post to your acceWd b7 ehe postbrg dakNOld dale oJ06/17/DOrM m;ee Ae MR slmed to yore der rn ~U O U F :? v Sd2 !aa¢ ~~~ II pI . ~'FQ2 py Q W a DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17a60-1857 I)AlY 8953 999 56-155 U441 PAY TO ~~ Ol(DER OF Void Void Void Void Vo~dARa ZYpS DOCUMENT CONTAINS AN AWIPIOAL WATERMARK, ABSENCE OF]rDS FEATURE WIILINle GTE A COPY PaYadelnrougn: CBSI, Delaware, Cka 43615 ~~ MErro SIGNATURE a:044ii55iia:337ii50082L456tr8953 Must port b yow uccwru( by the poreiug doMNoid dots of06lly/3008 b get [ha APR stofed lR your ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1857 DAiE 6954 999 56-1551/441 PAY To Ttm. ~ ~~ ORDFA OF Void Void Void Void Vo~dARs TH]S DOCUMENT CONTAINS AN AKIlFI~AL WATF3lMARK, ABSENff OF THE FEATU)tE WI[LMDIGTEA CCRY Payade Ihraq h: CBSI, Delaware, di 43615 MEMO SIGNATURE. ~:O441i55iid:337ii50082i456rt•8954 'IMP9RfANr INF9RNAi19N: The use of the attached check{s a tlrafllsl will condilute a charge agaird war credi acmurd. APR: Your APA for the atla~led dleck(s) is the standard ale fa Balance transfer Checks on w1x acommt. iarsaction Fee f inanee Charges: Please see your Cardmembar Agreement for any applinbk transadian lees. Aikhl to Oeelinx r chedrs are pad of th's offer, checks that poll after the wid dale d'rxdosed or than are made payahle fo usor one of our related hanks or companies mil bn dedined. Under certain cirralmAances {br ezampk, i your aceount is pest due or oYer limit, or if we reasonahhy belieYe that you wll ba unahle or unveiling to repay the balance or as described in your Cadmemter Agreemenij. we may dedine to proxss your transadbn. in trhich case you wit M nmified. Ferment Allocation: tit$ ma;• albcafe payments to bahrrxs with IoM APRs%induding Lvlarcxs wig introduelory and promdional APRsI beige apph,~ing payments to higher APR balances. this moans that env promolnnal period disdcsed to wu may bn sho er based oe ;roar paymeal am6ur11s and APRs on ether balances. DelauA: Any iMroductary, pomotional; rx standard APRs am continged on your raxr~phyinp ;.ilh [he terms of rouraceount Fm example, ifwur pa/merd to us is not re<.eiYed by the Bala and time •)bur payment's dun, i • ur arr,6un1's a: erlimil: or ii a payment to us is not honored b/your bank, the i~dradlrtory, promd'roml, or standard APR oilers may end and the APfls on all balances and~e;: lansad'ans on your acmurd xdl adjust to the applipbk ate and become etlectie as of the firs) day rv the Mllim ,xk in which the default arurs. Grace Period: A gran period Trill not applyto transachorx fran this offer. Cardmembn AsreemeM: for hlnher tlatails atnut terms or condibns on ymlr arr.6unt, please rekr to your Cardmember Agreement. Dlher Ilemr. If rou pay any d'sputed amouris, you may lose your rght to dispute them. Th's otters nor slid ilyour aocourd has been con:~erled to ary other product type. such as to or from a `co brand" or other `rewards' aexnunt. II apprnade, onH rheas Ihaf cR'ssue br war a¢ourd are:elid Checks Irom th is otter deposited mto war bank acrAUnt at an' tank iindudinp any of our banks) ma be subject ro a dela•~ in the a4ai6bility of tlgse funds. Chedrs usedto a7xss your ao°uunt meat he preseried to us in paper form. If a check is preserved to us elatlronira~/. we mad not be ab~e to acrzpl i due to ceiain dledr proxssin? mks wa must adhae to. DSC1140a 4of25 0 m z 9 ~ o A p Lz G1 z° c m 0 0 ~.i o z ~e o n ~o ~g ~E °z ~ 5 of 25 Statement for account number: 4266 i94~1i 7579 2520 New Balance Payment Due Dale Past Due Antoum Minimum Payment $9,917.35 06/17!08 $0.00 $198.00 Makcyour dtak payab{e to Chax Certl Servlxs. Amount Enclosed $ New address ar a-mail? Prim an beck. 4266841175792520000198001]179917351]0!]0009 CHASE J oo72seIXZtaeosc I..rIILIr.I.~I~I..I.~Il~rrl,LrrrllrlrlrrrllrrlrLrrllrrilrrl DANIEL HAUSER 633 HERITAGE CT CARDMEMBER SERVICE MECHANICSBURG PA 17050-1857 PO BOX 15153 IrrrliLrrlllrrrrlrLlLrrrrrilirrLdrl,L.rl.rllrrrll.ll.rrl WILMINGTON DE 19666-5753 I:5^^D L6D 281: 203 117579 25 2^41t• ~~ OpeninglClosing Date: 04129/08-0528/08 CUSTOMER SERVICE ~ AMERICAN Paymertl Due Data: ® 06117!08 to U.S. 1-888-305-4016 • KENNEL CLll6- Minimum Payment Due: $198.00 EspatSOl 1-888-446-3308 TDD 1-800-955-6060 Pay Gy phone 1-800-436-7956 Outside U.S. call collect 1-302-594-820D VISA ACCOUNT SUMMARY Account Number : 4266 8411 7579 2520 ACCOUNT INQUIRIES Previous Balance $9,893.19 Total Credit Line $11,000 P_O Box 15298 Payment, Credits -$272.11 Available Credit $1 082 Wilmington, DE 79850-5298 Purchases, Cesh, Debts +$29627 Cash Access Une $2,200 New Balance $9,917.35 Avalable for Cash $1,062 pAYMEN7 ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. ce m/creditcards & Item was transferted hom lost /stolen account. TRANSACTIONS FINANCE CHARGES Finance Charge Daly Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cyde APR Balance Periddic Rate Fee Fin Charge CFIARG FS Purctases .00000% 000% $4,142.56 $0.00 $0.00 $0.00 $0.00 Cash advances V 05751 % 20.99 % $0.00 $0.00 $0 00 $0 00 $0.00 Balance transfer .00000% 0 00 % $5,800.00 $0.00 $0.00 $0 00 $0.00 Total finance charges - $0 00 Etlectlve Annual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance computa4on method, grace period, and other irnponent information The Corresponding APR is the rate of interest you pay when you carry a balance on any fransadion category. The Effective APR represents your total finance charges -including transaction ices sudt es cash advance and balance transfer ices -expressed as a percentage IMPORTANT NEWS Guard against idernily iheit and manage your credit iMormatlon with Chase ID Protection. Get unlimited access 1o 3-in-1 vedit reports and scores, daily mondoring of your aedR lfles, timely alerts and more To purchase, call t-888-717-7534 or visit www.oftaseidproteclion com Are you looking for a new home? Talk to Chase. We Offer a wide range of mortgage products to meet your needs. Call 1-866-836-8335 or visfl www chase.con/chasehomeloan. Subject io credit and property approval. Certain other restrictions and limitations may apply. This Statement is a Facsimile -Not an original 0000001 FIS33335C3 000 N Z 2e OBrOS2B Pagel ar3 00092 MAMA 00729 14910000030000072901 ~( IN513003 36 of 57 Trans Amoum Date Reference Number Mardtant Name or Transaction Description Credit Debit Address Change Request Please provide information below only it the address information on front is incorrect. Street Address: - _~____________ City: State: -- Zip. Home Phone: Work Phone: E-mail Address. Informelrok Ahoat low Account Lost ar Stolen Carrie Please report your lost or stolen card immediately 6y rolling the Customer Service number lound on Me front of your statement Advisers are alvrays availade to assist you. You ran reach an Adviwr 6y -pressing 0 afkr you enter your account number. Crediting of Paymeah: For payments by' regular U.S. mail, send al least your minimum payment due to our post office box designated for payments sheen on Mls stakment. Your payments try mall must eomply with the Insimrtlons on this stakment, and must be made by check or money order. payable n U.S. Dollars, and drawn on or payable through a V.S. financial insDlution or the 0.S.6renrh o1a foreign finarldal institu0on. Do riot send cash. Wrke your account number on your check or money order. Payments must fie accompanied by Me payment coupon in Me envelope provided :viM our address visible Mrouph Me anvelopa vAndIAY; Mx envelope cannot ronttin more Man one payment or coupon; and there can be rw staples, paper dips. tape or mrrespontl once included with your paymem. tt your payment is in aemrdance wiM our payment instructlonsand is made available to us on am; dry except December 25 by 1:00 p. m. local Dme at our past office box designated Far payments on Mis stalement.:vB :via credit Me payment tc your account as of Mat day. If your payment is in accordance nitA our payment instrucdons, but is made avaitade to us after 1:00 p.m. Loral Dme a[ our post office box designated lorpaymenis on Mis stale meet we will credit i[ to your account as of ahe nazi day. If yydu do not bllo:v our payment instructions or iF your payment is no[ sent by regular U.S. mail to our Dast office box designated for payments, crediting of your payment maybe delayed for up m 5 days. Payments made ekdronicelty through our automated telephone service. Customer Service advlsa rs, or our vreb site will be subject iq any processing limes disclosed for Moss payments. Aecouat labrmation Re~orled M Credit Bareaus: We may report informaDan about your aarount to credit bureaus. talc Dayments, missed payments or other defaults on your amount may be inflected in your credit report If you Mink we have reported inaccurate informaoon to a credit bureau. you may wrhe la us at Me Cardmembdr Se rvire address listetl on your bi9ing statement Notice About Eedronic Check Conversiom When you provide a check as payment you authorize us either to use inionnation Irom ywr check [o make acne-Dme electronic fund transfer from your accountor [o process Me payment as a check bansacdon. When rte use inlormaticn from your check to make an electronic fund transre4 funds may he whhdmtvn Irom your account as soon as the same day we receive your payment, and you :vgl not receive your shed bark from your finnical institudon. Cag the aslomer service number on Mis statement if you have questions about electronic shade collecD on or do not wan[ your payments collected electronically. Condltl oAal Paymems: Any payment phact or other loon of payment MAt you send us for less Man Me full balance due Mat is marked `paid in toll" or contains a si miWr notation, or that you clharwise tender in full sat faction of a disputed amount must ba sent ro Gard Services. B0. 6ax 15049, Wilmington. DE 19850-5049. We reserve all our rights regarding Mese payments f a.g., d it is determined Men: is no valid dispute or i f arty suM check is received at any other atldress.:ve may accept Me check and you dill sDll rnve arty remaining balance). We may refuse to accept arty such payment by retu ming it to you, rim coshing it or destroying il. All oMer payments Mat you make should be sent m the appropriate payment atldress. Annrtal Renewal Notice: II your armunt has art nnnuN lax, It writ Dd bllkd aaM year or in monthly InsGtllments, whether or not you use your accotmt and you agree to pay k when billed. The annual fee is non-refundable unless yml notlh/ us Mat you wish to close your acxun[ within 30 dajs of the date we mail your statement on which Ma annual face re rharyed and at Me same rime. you pay your outstanding balance in full. You r payment of Me annual fee d ces not affert our dg fits to close your account and ro limityour right to make tmnsartlons on your account. If your arr~unt re dosed ry you a us, tvs vdll confinue to charge Me annual Fee unDl you pay your outstanding haknce in full and tenninata you account relationship. Ezpla natka of ounce Charges: We caladate parodic finanra Merges; using Me apPllcabla perodk rates shmvn on Mis statement, seDaratety for aaM feature (e.p., Delany imnsferlconveniena Mocks told zsh advance rhadcs ("shark irtnsadlon"). Durdl asxs, balance tansfars, cesh advances, prornotio nal balances or overdraft advances). Please consult your I;ardmember Agreement for Me features that era applicable to your card. These ralcuktlons may xmbine dltferent cetegodes wIM Ma soma dally padoAlr, rotes. If Merx Is a "Y' next to a pedodlc rata on this slalx meet, Mat rata may vary, and Me index and margin used to determine Mat rate and its rorrespondinp APR and descrlhad in ;~orrr Gtrdmxmber Agreement. as amended. The re is a rnlni mum fintnx Marge in arty billing yrle b wfiirh yar owe any periodic finance Merges. and a transacB On Finance charge for eaM Dalanre transfer. Dash advanra, or duck iransar,[ion, In Ma amounts stated in your Cardrnember Agrexmxnl, as amentletl. To gat Ma daily balanx for aaM day d the rument billingg cydx, vre take Me beplnning hnlnnce for each featuro, add any nave transactlons or other deblls (Induding faces un Dald Nnance Merges and other chnryxs), ffi1btrACl arty pa/meets or rradits. and make other adNlstmxnls. Transactions are added as of the uansaeDon data, the beginning of Ma billing tyde in which Me/ are posted to your aprormt, or a later data of our Moix (except MM shack ImnBACllOna and added As Of MB data ddDOSltdd by Mil VayBB Ora IatBf Qi1B of our choix). Feesare added either on Me date of a related lransacbon, the date Me`/ era posted to your account, or the Ixst day of Me billing cycle. This yiws U9 MaI dayB dAlhh telanx. A credit bnlanca is trained as a balanx of za ro. It a daily periodic rate applies to arty feature, :•n mukiply Me daily balance by the dolly pedodlc rAro to get ymu periodic flnnnx Merges for that rice/. We than add NBSa panotlic tinanx charges to your dairy baknra to get the beglnnlnq baance for the next day. !If more than one deity periodic rare could apply based on Me average daily balance, we will us the daly periodic rare Mat apdixs for Me average daily balance amount at Me end of the billiny cycle to ralalare the daily periodic finance Marge each day.} To get your total ptriotlic finance charge For a biling cycle wlxn a daily periodic rates) apples, xe atld all of Me daffy periodicfinance Merges torall katures. To determine an average daily 6alance.:•re add your daily balances and divide by Me number of Ma days in rite apple cable billing gde(si_ If you mulDpty Ne average daily balance Fa each feahrre by Me apph cable daily periodic rate, and Men mubply each of Mesa results by Ma number of days in the applicable bkling gcleisi, and Men add aN of Me results ingather. Me total will also equal Me periodic finance charges far Me billing qde, except for rnlnor vaAatbns due ro rounding. To get your total perlodlc flnenra charge for a bNling uyde when a monthy periodic rarejsi apDNes, mulDply Me average dairy balance for each feature by Me cepplicable monhy periodic rare and add the results toyethxr. Tha total wlli agt,al Ma periodic hnnnce dlaryes for Me Dilkng cycle, except for minor variabons due to roundin q. Gran Peded (al lead 26 rreye): We accme periodic Finance charges on a Transaction; lee, or linance Marge fmm tlee dale- i[ is added to your daily balance until payment kr fug is received ce your amount. However, the do not charge periodicfinance charges on new purchases billed during aDilling qde if we receive boM pryment of your New Balance on your current statement by Me date and Dme yourpayment u due and also payment of your Nevv Balance an your previous sretament by the date and Dme your payment was due. There is no grace: pperiod for balance transfers, cash advances, dheck iransacfions. or overdraltadhrances. In addition. if Mera i5 a "Quakfyinq Promotional financing' secdon on this sretament you :vii not incur periodic finance charges on any Remaining Balanw thnt appears in Mat section if you fro/ thnl halanx b lull by Ma applicade FxpiraDon Date. However, tt you default under Ma terms of your Cardmember Agreement or arty Qualifying PmmoDorW Financing o(ht Me applicable perode finance charges wNl accme m any Remaidnq BNana as som as the bi0ing gde in which Me default occurs. o avoid finance charges on new purchases when your Na:v Balance in dudes any Remaining Balanceisi in Me Duakf~ing Pramobonal Fnancing sedan, pap your full Ne:v Balance minus fie tote of Mose Remairdnq Balancers) by Me date and Dme your payment is due. Hanevec i your satement shows that a minimum pryment is due, we must receive at leas[ Mat minbnum payment by the date and Dme spedfiad on your srerement. even it your Neu Balance consists onty al Qualifying PromoDonal Financing balances. For 'delened interest" Qualifying Promodanal Financing. periodic Finance dhargea accrue during the promotional period but are not added to your account balance. Instead. Mey acamulata hom Ditling cycle to Dilkng cycle. If a delened interest Qualifying Promotional Finandng balance is not paid in hrN by Ma applicahk Expiration Date, thx AaFerred linance Merges vrdl t'z addedd ro your account as soon as Me lirst day afkr the &pirabon Dafn FurMeq iF you defaltl[ under Me teens of your Cardmambar Agraamant Ma deterred finance charges vhil he added to your account as soon as the date of delauN. For `Tbeed DaymenC Qualihdng PromotlonN Finandng that Dennlts yar ro parr for a purchase In a dazlgnated number of payments. you vdll not have a gran period for Ma[ baknx as each pm/mxnt khrludes a portion of Mx inixrest otred aver Mx rxpayment term for Mat purchase. Hmvx:rer, you will hove a gmx period on oMer new purchases az described above. BILLING RIGMS SUMM1[RY la Cau ol.Emrs or QaesBorhs Abort Yore Bill: If you Mink your bill is :vron g, or If you need more information about a transaction on your bill. wrim Cardmember Service on a separate rhea[ at P.O. Box 15299 Wilmington, DE ~ 9850-5299 as soon as possible. We must hear from you no Ider Man GO days attar wa sent you Me flrsl 6111 on trhlch Me xmor or problem appeared You ran telephone us, but doing so will no[ p reserve your rights. In your letter, give us Me tollovvinp infotrnaaon. • Your name and axcun[ number •Tha dollar amount df the suspected error • Desrnty Me error and axplaln, if you can, why you believe Mera is an error. If you neetl more info rmadon. describe Me item you are unwre about. Yw do not have [o p any amount in quesD on while we era invesfigaang, but you are sDll obggabed to pa•/ Ma parts of your bill that nra not in gnastion. While :•re Invastlgata your quesDon, we rannot report you as delinquent or Take action to cosec[ Me amount you question. If you have authorized us to pat your,:redit card DAI automaticaly from your savings or drecklny arrount. you can stop the payment on am/ amount you think is wrong To stop Me payment your kder or call !using Ma Cardmamber Service address or telaphona mrmbar shown on Mis statamanU must reach us at least Mrea business days before Me automatlc payment b scheduled to oralr. Spacial Rrk for CredB lard Purehasec II you have a problem with Me quality of goods or services Mat you purchased wiM a credit cerd iezduding purchases made vrkh a Meek), and you have [dad In good latth to correct Me problem tviM [he merchant, you may rim have [o pay the 2maining amount due on the goods or services. You have Mis proremion Doty when Me purchase prix was more Man S50 and Mx purdhasx cans made b your home stale or :vithin 100 rages pi your mailing address. These limitations rice not apply iF wa own or operate the mardhan[. or if we mailed you Me aAVertI521neni for MB DrODerty or eEfVli25. kuDamw 37 of 57 Take Advantage of Your Credit Line? As a preferred eudholder you're entitled to significant privileges including the Balance Transfer checks below. They come with the rdte you already enjoy with }roar card.' Transfer Balances, Pay bills, Make a purchase! Use these checks to: / Transfer balancers from higher-.4PR accounts / Make a special parchase / Pay fur home imprrnements To begin saving light away, just put the checks below to work for you. You can write these checks for any amount - up to the unused portion of your cmdit line. `See the "]mportant Information" section below for mol>r details. DANIEL HAUSER 9781 633 HERITAGE CT MECHANICSBURG PA 17050-1857 Mus! port m your accrwr[ by tell postbag tlabAroid dare of07/17/20tl8 to gni lAe MR s[raed br yore co `~ ~~q M U .J H .d, p A W Q N W ~3 C 0 z .Sd ~c9 IF 5 Q~~ 999 DAra 56-1551/441 PAY To TIC OADFA OF Void Void Void Void Void.» Teas DOCUMENT CONTAINS AN AA'fIFICIAL WATE]tMAR][ AESEN~ OF'tH15 FEATURE WILLIITIDUTE A COPY Payade ihraup R: CE151, Delaware, OH 43015 '771[1 MPl.3O SIGNA'NRE g:044ii55iig:337ii7579252061r'978i Mm! pox! b yom atcwurl by Ae porting da[ehoid daY ofB727/I008W aA/M MR seared G yov ~r DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 1 7050-1 85 7 DATE MKT17g63 9762 999 56-1551/441 PAY To TIC. OADFA OF Void Void Void Void VoidARs TH15 DOCUMENT CONTAINS AN A]r13PICIAL WATERMARIr, AESPNCE OF TIIE FEATURE WIILARRUTE A COPY P ayade tnroua R: CB51, Delaware, Oli 430x5 mrF1.r0 SIGNATURE g:0443i55iLF:337ii7 5 79 2 5 206t1.9782 'IMPORTANT INFORMATION: The use of the attached checks} a dratltsl will conAtlute a chage against par credit account. APR: Your APR for the aAadted ~eck(s} is the standard late to Balance Transfer%hecks on plm account. Tnmaution Fee Finance Charges: Please see your Cardmemba Agrxxmznt for any applicable ttansadion kxs. Right to Oecbnr. d checks are part of the otter checks that pcsl aher the wtd dale dscbsed a that are made payable to usa one of our related banks or companies will be dadined. Under certain ciramstances ibr example, p your account is past due or o+er limit or if aye reasonabhy heliare that you rill be unable or unwilingto repay the telance or as desnlbed in yola CadmemterJldreemed), rre may derJine to prtrxss your Iransactbn. in which case you will M nmfied. Ferment Allocation: We may alb~te payments fo iularyes w•flh krn APRs iindudingg babrrxs wtlh introductor,• and prmndional APRs) befart apph;in9 paymeds to higher APPPR balances. this means Ihrat am, promotDnal period disdosed to you may be slgrler based on ;roar payment amouns and APRs m other balances Delaldt: Am introductory, promotional, a standard APRs are mdingent on your canplginq r;ih the terms etyour aaount Fa example, ilpur payment fo us is nd rezi)ed ty the data and timx •/ our paymxd h drK; d • ur aabunf 'smertimiC or it a payment to Is is not honorxd Ny your bank the intradrday, orandicml, a standard APf? Deters may erA and the AAis on all balalaxs and nev: transad'nns on your acmud xill adjust to the applicabin 2te and hecane etfs[ne as of the firJ der a1 the dllim e;sle in which the delauq orurs. Grace Period: A prax perod Hill not apply to Iransactiorl5 Iran this offer. Cardmember Agreement: For brikr tldails atatl terms or condhbns on your account pk~se rxkr to your Cardmzmber Agreement. Other Ilemc If you pa; any dispded amounts; pu may lose your rgM to dispute Them. Th's offer's not :slid if your alxounl tar been comcrled to any other product type, such as to or Iron a "co bend' or other `rewards" aanunl h applltade, onhr rheds Iha1 wre'stue for roar aaount are;alid Checks hom 1hs otter deposited into yow lgnk account al any tank iindudinp any of cox banks] ma~ be subject to a dela• in the avaiMbiliP; of those lands. Chimes used to aaess your aa..ol6~~a§t lx presem2d to us in paper lolm. If a chxck'r, prxsented to us elearonia /, wx may not bx ab~e to alaxpt it due tocedain dt~*de pro-.erring rules wx must adhaz to. oscla4so 38 of 57 o 0 > ® ~ m= ~~ a ~_ ~~ ~_ Q A C m q O O m O 9 O w O b °z ~ c 39 of 57 Statement for accouDl Dumber: azr>6 soli 7s7e 2szo New Balance Payment Due Date Past Due Amoum Minimum Payment $lo.as9s7 o7neroe $o 00 $zos.oo . Make your check payaWeto: Chase Card Serviees. Please wrrta amount enclosed. New address a e-med? Print on bark. CHASE ~ I want to purchase optional Chase Paymem Protector Ian. I've read the Benefits 8 isclosures on beds o1 Dsen. 42668411757925200DD209DDD10499575627672 7z7a4 ea z ~ eoae c DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 CARDMEM BER SERVICE PO BOX 15153 WILMINGTON DE 19 88 6-51 53 ~: 5000 L6D 28~: 20 3 1 1 7 5 79 2 5 20 till' ~~ ~ AMERICAN (~~- Opening/Closing Dale: Payment Due Date: 05/29/08 - 06/28/08 CUSTOMER SERVICE 07!18!08 In U S 1-888-305-4016 KENNEL CLUB' Minimum Payment Due: . . $209.00 Espanol 1-688-446-3308 TDD t-800-955-6060 Pay by phone 1-800-436-7958 Outside U S. call collect VISA ACCOUNT SUMMARY Account Number: 1-302-594-6200 4266 8411 7579 2520 Previous Balance $9 917.35 Total Credit Line 000 ACCOUNT INQUIRIES $11 Payment, Credits , -$200.00 Available Credit , $500 P.O. Box 15296 Purdtases, Cash, Detzts +$782.22 Cash Axes Une $2,200 Wilmington, DE 19850-5298 New Balance $10,489.57 Available for Cash ~ $500 pAYMENi ADDRESS P O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. coMcreditcerds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Averege Daily Due To Transaclion Accumulated FINANCE Category 31 days in oyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purdtases .00000% 000% $4,398.95 $0.00 $0.00 $0.00 $0.00 Cash advances V .05751 % 20.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer 00000% 0.00% $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 EHectlve Annual Percentage Rate (APR): ~ 0.00% Please see Information About Vour 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 Effectve APR represents your total finance charges -including transaction tees sudt as cash advance and balance transfer tees -expressed as a percentage. IMPORTANT NEWS Guard against identity theft and manage your credit information with Chase ID Protection. Get unlimited access to 3-in-1 vetlh capons and scores, daily rnondoring of your credo tiles, timely alerts and more. To purchase, call 1-goo-217-0291 or visitwww.chaseidprotectioncom. Save on nearly everything for your home: repairs, renovation, shoppng 8 more. Learn more a1 www.compl etehome.coMChase, antl you'll be idemdied as a Chase cerdmember entitled to this great 7riliegiant otter-which includes $20.00 Lowes Gitl Caro! This Statement is a Facsimile -Not an original 0000001 FIS33335 C 3 000 N Z 28 OeJD628 Page 1013 OOOB2 MA MA ]2]34 17910000030007273401 ~( INSi2a79 32 of 57 Trans Anroum Date Reference Number Merchant Name or Transaction Description Credit Debit Address Change Request Please provide information below only ii the address information on born is incorrect. Street Adtlress: _ __~_______ City -_ State- -- Zp: Home Phone: Work Phone: E-mail Address: Informalioh Abohl TOUT Acwurd Lod or Stolen Carrie Please report your lost or stolen card immediately by calling Me Customer Service bomber found on Me front of your statement Advisors are always availade to assist you. You can reach an Advisor by pressing 0 after you enter your account number ~ Crediting d Paymenh: For payments by regular U.S. mail, send at kastya r minimum payment due to our pos[office box designated for payments shown ~ on Misstatement. Your payments by mail must comply ivlth Ma Instmrtlons = on Mis statement, and must be made by check or money order. payable h = U.S Dollars, and drawn on or payable tNouph a U.S. financial insbluticn or = Me U.S. branch of a foralyn finandal insdtWion. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by Me payment coupon in Me envelope provided :wits our ~ address visiNe mrouph Me envelope erindow; Iha enwlope cannot contain morz than one payment or coupon; and theta can be no staples, paper dips. ;a tape or correspondence included :wits your payment. If your payment is in accordance wim our payment instructions and is made available to us on any day except December 25 by t00 p.m. local rime at our post office box designated Far payments on Mis stafemem. vie :will credit me payment tc your accoum as of Ma[ day. If your payment is in accordance •aiM our payment instructions, but is made avaiWdE to us after 1 a?0 p.m. local Dme at our post office box designated for payments on Mis statement we will credit A to your acmum as of the nett day. Ify ou tlo not lolloci our payment insimctions or if your payment is not sent Dy regular U.S. mail m our past office box designated for payments, crediting of your payment may 6e delayed for up to 5 days. Payments made ekmronicaly through our automated telephone service. Customer Bervice advisors, dr our :web site will be subject to any processing times disdosad for those payments. Acmusl Isbnnalion Rgorkd to CredB 8nreauc: We mry rzpon iniortnaam about your account to credit bureaus. Leta payments, missed payments or other defaults on your amount may be reflected in your credit report If you Mink vre have sported inaccurate information to a credit hu reau. you may write to us at me CardmemDer Service address listed on your billing s2lamant. Notice About Electronic Check Conversion• Whan you provide a check as payment you authorize us either to use inlormation from your check [o make a cne-Dme electronic fund [rooster from your account or to process me payment as a check transaction. When vx use inlormation from your check to make an elechonic Fund transfer, lands may be crdhdrawn Irom your account a5 soon as the same day ue receive your payment, and you Trill not receive your chede bads from your finandal institution. Call the aslomer service number on Mis stalemem if you have questions about electronic chede collection or do no[ rant your payments collected electronically Conditlohal Paymemx: Any payment chedeor other form of payment thatyou send us for less Man the full balance due Mat is madeed 'paid in lull" or contains a similar notation, or that you olhmwise tender in full satisfaction of a Aisputad amount. must Da son[ to GN Services. PA. box 15049. Wilmington. DE 7985D--5049. We reserve all our rights regarding mere payments ie.g., p it is determined mere is no valid dispute orif airy wrh check is reccited at any other address, •.re may atop[ me check and you .rill still owe arty remaining balance). We may refuse to accept arty such payment by retu ming i[IO you, rim cashing it or destroying iI. All Omer payments that you make should he sent to Me appropriate payment adtlress- rlrrnual Renewal Notloe: If your arrolmt has an annual tea, It will ba bllkd enrh year ar in monthly insdtllments. rhefhar or not you use your accmmt, and you agree [o pay i[ [vhen billed. The annual fee is non-refundable unless you notiy us Nat you wisp la close your account within 30 days of Me date we mail your stalamenl on Which ma annual face is rharyed and a[ Me same D me. you pay your outstanding balance in lull. Your payment of [he annual fee d oas not offer,[ our DBMS to dose your acpo ant and to limit your rghl to make transacions on your act-Danl. If you r acmunt U closaA M you or us, we vrlll continue to charge Me annual fee until you pay your ou[stariding balance in full arid telminata you acatunt reladdnship. Esplasafah o1 Flsartu Charges: We caldtlate padodlc finance dlaryes, uslnp Me appllaDla periodic rates shmvn on Mls statemanL sepam[ery for oath lealu2 (e.p~. Detente Iranslerfconverdenra checks and ash advance rhadcs ("shark Irtmsactlon"), pu chases, balance transfers, ash advances, prpmotional balancxs or overdraft advances). Plxase consul[ your Cardmember Agreement for the features that are applicable to your card. Thaw ralalWtlons may cemDlne dlNerent ategodes vim the lama dolly perlodbc rotes. If Mera Is a "Y' next to a pedoAlr, rat on Bds statamanL Thal rasa may vary; and the index and margin used to determine mat 2te and its rorrespondinp APR era descrit~d in +~our Cardmamber Agreement. ns amended. There is a minimum finance charge in arty bi Ilinp yrls in vfiirh yw owe any perodic finance charges. and a transacDon finance charge for each DAlanca tmnslef ash atlvanra, or rite ck Iransacdon, in Me amounts stated in your Cardmember Apraema nl. az amended. To pat me daily balance for aadl day of the current billing ryde, ere [aka Me Daplnning balance for each feature, add any raw [tensor--dons or otlur dablts (Induding faces. unpaid pnanre dtaryes and d[her charges), stlDtrad any prymanls or credits. and make Omar adplsimants. Traruactims are adAad as of me transrdon data, the beginning of the Dillinq .ryde in which racy ore posted to your account. or a later data of mu choice (except Mat shads Imnsartions era addeA as of Ma dale dapositad by tlld pAyBB Or a rotor rifle of our choice). Fees are added eimer on Me dale of a related iransartion, the date Mey are posted to your attount or the last day of Me 6111ing rycu. ThIs gives us Mat days dairy Dalan,x. A credit balance Is treated as a balance of Ya ro. II a daily periodic rata applies [o arty featurz, :•n muniply the dairy balance by [he dotty pedoAlr, rate to yet you pedoAlc flnnnce charges fDr that deg. We than add mesa pariotlic finance charges to your tlalry talanre to yet the Deginninp balance for the next day. (If more than one dairy periodic 2te could apply based on the average dailyy balance, we will use the defy periodic 22 Mat applies for the average defy 6tdanra amount at Me end of the billing ycla [o raladale the daily periodic finance charge each day.} To get your total periodic finance charge fora 6ilfing ryde when a tlaily periodic raters) applies, :va add as of Me daily perodic finance charges for all aNres To determine an ave2ge daily balance, :•x add your daily balances and divide by the number of rice days in Ma appliwbk billing ryde(sj. If you multiply Me average daily balance For each feature by Me appG table daily padodlc rate, and then multiply each of these results by Me number of days in Me appliceble billing rydeisl, and Men adtl all of me asulls together Me total will also equal the periodic Finance charges for Me billing rycle, except for minor varallons due to rounding. To gel your total padodlc finance dharya for a billing ryde when a monmy periodic rateisi applies, multiply Me average dairy balance for each Feature by Me tip liable monmry periodic rate and add the rxsults together. The total will agtutPMa periodic Gnanx charges for [he Dining cycle, except for minor vadallons due to rounding. Gram Perad fat lead 20 days}: We accrue periodic finance charges on a transacDon. fee, or finance charge from Me date it is added [o your daily balance omit payment in lull is received on your amount. However, •ae do not charge periodic finance charges on new purchases billed du nrtg a billing ryde if vx; receive both payment of your New Balance on your current statement by the dale and time your payment Ls due and also payment ofyou r Necr Balance on your previous statement by the date and Dme your payment was due. There is no grace vpadod for balance t2nslers, rzsh advances, check transactions, or overdraltadvances. In addition. it riera is a "Oualilyinq Promotenal Financing' sacDon on this statement. you •aill not inom periodic finance charges on arty Remaining &'danra ttknt appears in Mat section if you pay that 6alarlce in lull by ma applicable Expfraton Date. Horxver, A you dcfauh antler me icons of your Cardmember Agreement or any Dual'dying Promotional financing ofre r. me appicable perodic finance charges rryl acenle on anyy Remaining Balance as soon as the biaing ryde in which the defad[ occurs. To avoid Dnance charges on new purchases •vhen your Ne:v Balance indudes any Remaining Balance(si in Me Oualirying Promotional Fnancing section, pay your full Naar Balance minus the [oU of those Remakrinp Balancefs;• by Me date and time your payment is due However. A your statement shows that a minimum payment le due, we must receive al least Mal minimum payment by the date and•time spedfied on your statement. even if your Near Balance consists only of Dualifying Promodonal Financing balanus. Fot `tlaferted interest" Dualifying Promoamal Financing. parodic finance charges accrue dollop the promotional period but are pot added to your account balance. Insteatl. they accumulate from bilking cycle to billing cyde. If a defenad interest Oualilying Promotlonal Finandng balance is na paid in brit q+ ma appli rnbla Expiration Date, [fta Aafer2d finance charges will ba added [o your account as soon as Me tits[ day after the Expiration Oate. further, If you default under the [arms of your CaNmambar AgraamanL Ma deferred finance charges vdll be aA Aad to youracrount as soon as Me date of defauh. For'iixed Dal+manC puallMing Promotlonal Flnandng that penults you to pa;+ fora purchase In a designated number of payments. you vAll not have a grace period for that tvtknnx as each payment includes a portion of ma inixrast ovxd over the rapayman[ tans Ira Mat Dumhnse. lial'Ja\R r. you will have a grace period on omer raw purchases as described above. BILLING RIGHTS SUMaVWY le Cate of Fronts or D uestioru Ilhonl Yorn BIII: IF you think your bill is :wrong, or if you neetl more information about a transaction on your bill. [write Cardmember Service on a separate shit a[ P.O. Box ta'299 Wilmington, DE 1985D~5299 as soon as passible. We must hear from you no later Man 6D days attar tva sent you Me first hill on which Me error or problem appeared. You ran telephone us, but tloin g sc will not preserve yo ur r ghts. In your letter, give us me following in lormaaon. • Your name and amount number • Tha dollar amount of the sttspectad error • Descritv3 me error and a>mlaln, Ifyou ran, why yon Deluge Mera Is an error. Ifyou aced more information. deudbe me Item you are unsure about. You do no[ have [o pay any amount in question while :•n era investigating, but you are still obligated to pay Me Darts of your bill Mat era not in quasdon. While :ve Investlgate your queston, we cannot report you as dallnquent or take action to collet[ Me amount you question. II you have au Moriad us to pal your credit card Dill automnticalty from your savings or dracking amount. you can stop the payment on any amount you Mink is wrong To slop Ma payment your letter or call rasing the Cardmember Service address or telaphona number shorn on this stalamanq must reach us at least M2a business days belora Ma automatic payment u scheduled to ore r. Speller Rnla for Credd CaM Porshases: If you have a problem rrkh Me quality of goods or services Mat you pumhased wits a credit card iexcluding purchases made wkh a check), and you have tiled In good lahh to coned Me problem wits the memhant, you ma/ not have to pay Me remaining amount due on the goods or services You have rats protection only when Me purchase prix ryas more than S50 trod Iha pu rhasx vas made in your Noma state or :rlMin 10~? miles of your mailing address. These limitations do not apply if we ovm or operate the merchant. or if wa mailed you Me advardsament for Me property or services. na4osmoa 33 of 57 Take Advantage of Your Credit Line? As a preferred cardholder you're entitled to significant pmileges including the Balance Transfer checks below The}• come with the rate you already enjoy with your card.' Transfer Balances, Pay bills, Make a purchase! Use these checks to: / Transfer lyal8nCE5 from higher-.4PR accounts / Make a special purchase / Pay for home improvements To begin saving right away, just put the checks below to work for you. Y'ou can write these checks for any amount - up to the unused portion of your credit line. 'See the "important Information" section below for more details. mltnl7sA 8 rn $S U i yg 1 F QN~ Q P. 4 a z ~ I . J TF~~a p~ A W Mort pora Iv poor ¢eeo¢ne by Om poreing dveh¢!d dab af0827/3W8 m gr1 ahe APR stayed G )¢rv ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 77o so-1957 DAlE 1900 999 56-1551/441 PAY To TIC Q ORam OF ~P Void Void Void Void Vo~d.Ra TH1S DONMENT CONTAINS AN ARTIFICIAL. WA'IPAMAAR, ABSENCE OF THIS FEATURE wBL 1NIDGTE A COPY Payable Ihrlwg h: CBSI, Delaware, OH 43015 7I19 tldFPbaO SIGNATURE a:0441i55iL~:337ii75792520711•i900 Masi post b yow ¢ccwW by the pa¢lrrq drNhoid d¢4 of0827/7008 m SN the APR s!¢led in y¢m PQer DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1857 DAra 1901 999 56-155ll441 PAY To THE ORDER QF Void Void Void Void Vow TIDS DOCUhffiiT CONTARSS AN ARRFICIAL WAT N+IAAA, AHSFNCE OFTH15 FEATURE Wl[L IIiDI G'IEA CAPY Payable mrougR 0851, Delaware, OH 43015 tvTFMO ~9 $IGNATUAE d:O44ii55iid:337ii75792520711•L901 'INPORtANT INFORNAnON: the use of the attached check?s; a drahlsl Kill constilde a chage agair6l ;roar credit account. APR: Your APA for the atla~ed dleck(s) is iha standard rate fa Ralarlce transfer Checks on your arrannt. Trarraacdon Fee Finance Charges: Please sex your Cardmembxr Agrxxmxnt for any applinbk hansadian lees. Ri~hl to Dedinn tl checks are pad of the odes chads 1M1 post aflar the wid dale discbsed or that arc made payable to us or one of om related banks or companies xill be declined. Under certain ciramdances (br eaampk; tl your account is past du or over limit or it na reaonahhr belere that you still be unable or unwiling to reps! the talance or as described in your Cabmemter Agrexmxmj. we may decline to praxss your hansaclion, in which case y W will bt notified. Payment Allocation: NE mr; alkyale payments fo Lalaryxs K•Dh lax APfls fmduding Lahrrxs erdh inhodudor,~ and pmmdionalAPRs) before appF,~inq paymeds to higher APR balances. This means Thal arr pramdonal period disda~.d to you maybe shorter based on yonr payment amounts and APRs m other balances. DelanD: Any inlmdudory, promotgnal. a slandud APRs am cadingent an your canplying ailh the terms of your mount For eaample, if your payment to us is not recakyed by the dalx and lima your payment ¢due; A your arroad is utedimil: m d a pa,~meN to rs is not hanorxd by your hank the idrodrdary.~romdional, or standard APR oilers may end and the APRs on all balances and ner: transad'mns on uour account wdl adiusl to the applicable rate and hemne eifecine as o the first day o1 the Nllim ecle in which Ne defauA oxurs. Grave Period: A grace period riill not apply to Imnsacbons from this offer. Cardmemher Apeemeld: For lunhxr dztails abad terms or contltlionson your arrounl, plxase rxlxr to your Cardmxmber Aqreeme n[. Dlher Ilemr. II you pat my d'spded amounts, you mat lose your rght W dispute Them. Ths offer is not slid it your aosunl has been comerled to arty other product type, such as to m born a'co brand" or other `rewards' aaaunl. II applicabe, onM checks Ihat I~.e ssue br your account are solid Checks lrom ih's oiler deposited into your bank aa.DUnt at a7• Lank iindndinp am,' of our tanks] ma be subject to a dela• in the availability of iho~ hinds. Checks usad to access your arount ml¢t be presentxd to us in paper loan. Ii a chick's pesenled to us elxcironi~y, wx ma/ not bx ab~e to accxpt it due to adain dude praxssin? rulxs wx must adhax to. osc11520 34 of 57 0 0 m o ~ ~ o ,~ a A y m 0 0 ~i 0 2 n m ~g ~f °z ~ c m 35 of 57 Statement for aoeoum number: 4266 ea,li 7s~9 2s2o _ N $10,363 17 Payment ~8 1Dro8 Pest DUB An1$ODU O Minimum ~ ~ 001 CHASE ~/ ` Make your cheek payable to: 14~;r cIf ax Card 9ervlees. Please write anaunt enclosed. New address or rmai? Print on betlc. 4266841175792520DD02070D01D383170000009 ttoeeeel~czzrooec Ir.rllirlrrl.rlrl.r1.rllrrrlrl,rrrllrl.lr.rllrrlrl.rrllrrllrrl DANIEL HAUSER 633 HERBAGE CT CARDMEMBER SERVICE MECHANICSBURG PA 170 50-18 57 PO BOX 15153 WILMINGTON DE 19886-5153 [:500D L6D 281: 203 L L 7579 25 2^4ft' ,r^»,. Opening/Closing Date: 06/29/08-07/28/08 CUSTOMER SERVICE ~ (~t1~~~p,~ PIMERICAN Payment Due Date: 08/17/08 In U 1-888-305-4016 S :~ KENNEL C(.11B- Nli nimum Payment Due: . . $207.00 Espaflol 1-686-446-3308 TDD 1-600-855-8060 Pay by phone 1-600-436-7958 Outside U.S. call collect 1-302-5946200 VISA ACCOUNT SUMMARY Account Number : 4266 8411 7579 2520 Previous Balance $10,499 57 Total Credit Line $11,000 ACCOUNT INQUIRIES P.O Box 15296 Payment, Credits -$210.00 Available Credit $616 Wilmington DE 19850-5296 Purchases, Cash, Delis +$93.60 Cash Access Line , $2,200 New Balance $10,383.17 Available for Cali, $616 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 1 98 86-515 3 VISIT US AT: www. chase. coMcredit cards TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or Transaction Description Credit Debit 20.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in qde APR Balance Periodic Rate Fee Fn Charge CHARGES Purdtases .00000% 0.00 % $4,676.39 $0.00 $0.00 $0.00 $0.00 Cash advances V .05751 % 20 99 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% ' 0 00 % $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0 00 Efleaive Annual Percentage Rate (APR): 0.00% Please see Information About Your Amount section for balance computation method, grace period, and other importam information. Tha Corresponding APR is the rate of interest you pay when you carry a balance on any fransadion category. The Effective APR represents your total finance charges -including transaction lees such as cash advance and balance transfer sees -expressed as a parcemage - IMPORTANT NEWS Guard against identify Theft and manage your credit information with Chase ID Protection. Get unlimited access to 3-in-1 credit reports and scores, daily monitoring of your credit tiles, timely ~erls and more. To purchase, pll 1-800-217-0291 or visit www.cheseidprotection.com. As a specal Thank Vou, youYe been issued 8,000 Instant Tokens you can use towartl an exclusive selection of gift items arranged for you! Visit www.mybonuscenler.corNTokens to identity yoursed as a Chase Cardmembar before 08/15/08 8 use them toward this special reward from Gift Services, Inc. Save on dining, activities, hotels a more with Great Fun. Learn more et www. Greatfunsee.corNChase, and you'll be identified as a Chase cerdmembar entitled to this great Trilegiant offer, including $20.00 Cash Back for dining! Did you know you can use your credit card to access cash whenever you need it? All you need is your PIN (Personal Itlentification Number) and an ATM. Just roll 1 A00-297-0970 to create your PIN today. This Statement is a Facsimile -Not an original 0000001 Ftsaaa3sca aoo N z ze oeo~rze aagetaa ooosz nnnrusosea ztmoooooaoooeo9eam R 28 of 57 Atltlress Change Request Please provide information below only i7 the address information on from is incorrect. Street Atltlress: City State. 73p: ---- - Home Phone: --- -- -___ Work Phone: - --- ---_ E-mail Address: _ _________~________ L Infomntiea Abodyoar AaouM Lod or Stolen f~rdc Please report your lost or stolen card immediately 6y calling the Customer Service number found on the front of your statement Advisors are always availade to assist you. You ran reach an Advisor by pressing 0 afkr you enter your account number CrediOsg d Paymeafa; For payments by regular U.S. mail, send at kastyour minimum payment due Io our post office box designated for paymenfsshown on this statement Your payments by mall must aompy wMt the Instrur,0ons on this stakment and must he made by dleck or money order. payable in 115. OWlars, and down on or payable through a U S. financial insttuton or the U.S. branch of a foreign finandal insNtulfon. Do not send rash. Write you account number on your chedt or money order. Payments must be accompanied by the payment coupon in Ne envelope provided :vim our address visible through Ne envelope edndmr; the envelope cannot contain more Ihan one payment ar coupon; and there wn be no staples, paper dips. tape or correspmdence included viith your payment. II your payment is in acrxtrdance with ou r payment insW utions and is made available to us on an;r day except December 25 M 1:00 p.m. local bma at our post oFfice box designakd For payments on This statement. rve :riN credit the payment to your account as of Nat day. IF your payment is in accordance :with our payment inswcaons, but is made available to us after 1:?0 D.m. IoW Dme at our past office box designated tar payments m Nis statement we will credit ¢ to your account as of the next day. IFyou do not follav our paymentinstructions or if your payment is nil sent by regular U.S. mail ro our Dosf office box designaed for payments, crediting of yourpayment may ba delayed for up to 5 days. Payments made ekarpniply through our automaktl klephone service. Customer Service advisors, or our .web site vrlll be sub(ec[ to airy processing times disdosed for Nose payments. Attouat labrrnafion flgor~d b Credit Bareaus: We may report intonnakan about your account to credit hureatts. Vita payments, missed Daymants or other defaults on your axount may be reflected in your credit report If ytu Nink rre have reported inaccursk information to a credit bureau. you may aria to us at me CardmemLvr Servir-e address listed on yolu biNing statement. Notice About Electronic Check Conversion: When you provide a chetlt as payment. you aumodze us either to use infannation Irom your cheer [o make aone-dine elecronic fund transfer from your account or to process me payment as a check transaction. When ra use information From your chede to make an electronic Fund transiec funds may be ^ri[hdratvn Irom your account az soon as the same day the receive your payment, and you :vdl cwt receive your check beer from your finandal institution. Call the astomer service number on Nis skkment if you haw questions about electronic thee copeck on or do nil want your payments collected electronically. Conditl Deal Payttxms: Any payment chadc or other loon of payment that tar send az for less Nan the full balance due ma[ is ma rketl 'paid in NII' or contains a simitar notakon, or that you otherwise [ender in lull satisfaction of a disptnad ammmt. must ba sent m Gnrd Services. P.D. Box 150x9, Wilmington. DE 191350-5049. We reserve all our tights regarding Nese payments ie.g., d it is determined than: is no valid dispuk or if arty such check is received al any other address, m may accept Ne check and yon ~aill still ova arty remaining balance). We may infuse to accept arty such payment by rata ming it to you, not cashing it or destroying it All Omer payments Nat you make should t» sent N Ne appropriate payment address. Mnual Renewal Notice: It your account has an annual tea, II will ~ billed each year or in monthly insklhnents, whemar or not you use yaw account. and gar ag roe to pay it vihen billed. The annual fee is non-refundable unless you notify us that you wish to close your arceunt within 30 da/s of the dale wa mallyour statement on which Na anmlal face k charged and at the svne dme. you pay your outstanding balance in lull. Your payment of Ne annual lee d oar not affect our dphts tb dosx your acroun[ and [o limityour d pht to make tmnsartlons on your account. If you r account is closed Ly you or us, we well continue to charge ma annual fee until you pay your outstanding ba Wnce in full and tenminak you acceunt relationship. FsAlaaatkk of Fltance Charges: We aladate periodic finance dtaryes, using Ne appNabla periodic rates shown on Nis statement, separatery for aarfi feature (e.p., Dalanra tmnsler/convenienw checks an0 wash advance rhx tics ("shark transaction"), Durdlasxs, balance transfers, ash advanxs, promotional balances or overdraft advances). Plxase consult your Cardmember Agreement for Ne feaunes that are appliable to your card. These ralruNUons may combine different ~ategorles wim Na soma entry padodk: rates. If Nera Is a "V' nett to a pedoAl r, rata on this slnlamant that rata may vary; and the index and margin used to determine Nal rak and its romespondinp APR era desrdbad in your Cardmamber Agreement as amanded.There is a minimum flnana charge in arty billing yrle In vrhirh gat owe any penodic finance charges. and a transaction finance charge for each balanra transfer, ash advanra, or cha ck transac0on, In ma amounts stated in your Cardmember Apraamenl, as amended. To pat ma daily balancee for eadi day of the current billingq cyde, va take me l~plnning hNpnre for each feature, add any new iransartlons or ofhar debits (Induding faces, unpaid lnanre charges and Omar charyas), strhlra;t any prymank or rmdits, and make Dinar adjus(mants. Transactices are added rrs of Na transm:Don dole, the beginning of ma billing ryde in which Nay are posted ip your account, or a later dale of our choice (except mat oboes transar,Dpns era added as of Ne dale dapdslkd by the payee or a later dale of our choirx). Fees era added either on Ne date of a relakd iransacDpn, the dale may era poskd to your acoount, pr me last day of me billing cycle. This gives us mM day's daily Dalanx. A cNdit Mlance is [reeled as a balance of zero. If a daily penodic rate applies to arty leature.:ve multiply the daily balance try me dally parlodlr, rote to get your Dedodlc flnana charges for that day. We than add mesa padotlic finance drargas to your dairy balanw to get the beginning halanea for the next day. !If more than one daily periodic rak could apply based on the average dairyy balance, we wdl use thedaiy perrodic rak that applies for the awrege dairy balance amount at the end of the billing rydz to calalak the daily periodic finance charge each day.} 7o get your total periodic fnance diarge For a Dining cyde when a daily pperiodic raters) applks,:ve add all of the daily periodic finance charges for all katures. To deknnine an average daily balance.:•a add yoyr daily balances and divide by the number of Ne days in the appkrabk billing gdetsj. If you multiply me average daily balance for each feature by the applirabk daily periodic rate, and Than muldply each of these results by the number of days in the applirabb billing rytleisi, and then add all of [he awlk together the total will also equal me periodic finance charges far the billing cycle, except forminor vadatlonsdue to rounding. To get your total padodlc finance charge for a bNling qde when a monmy periodic mkisi applies, multiply me average dairy balance For each feaNre by [he appliceble monmy periodic rak and add the 2stdts together. Tha total will equal the perioric Nnnnre dlarges forme billing cycle, except br minor vadaDOns due to rounding, Graes Period fat lead 20 days): We accrue perrodic Finance charges on a transaction. he, or finance charge tram the dale it is added to your daily balance untN payment in fuN is received on youraceount. However,:x do not charge periodic finance charges on new purchases billed during a billing ryda iF rra receive bdh Daym en[ of your New Balance on your currant stakment Dy Ne dale and time yourpayment is due and also payment of your Nev Balance on your previous statement by the dale and time your payment vas due. There is no graa ppedod for balance transfers, cash adwncas, check irarrsactions, or overdraft advances. in addition. it there is a "Qualifying Promotional Financing' secfion on this statement you :viH not inwr periodic finance charges on any Remaining Balance thn[ appeam in Nat secrion if you Day Ih'tt balance in full by ma applicable Fxpirauon Dak. Ha:aver, if you tlefauh under Ne krms of your Cardmemhnr Agreement or any QualNying PromotiorW financing oiler. me aDdiuade periodic finance charges wNl accrue on anyy Remaining Balanrx as soon as the 6ilNng cyde in whkh me defad[ occurs. To avoid finance charges on new purchases :when your New Balance in dudes any Remaining Balanceisi in ma Qualifying PrornoGonal Rnancin g reckon, pay your full Necr Balance minus the total of Nose Remaining Belance!s} by me dale and time your payment is due. HawewC fi your statement sho:vs that a minimum payment b due, !+re must receive at leas[ Nat minimum payment by the dak- and Dme spedfied on your stakment. even it your Neu Balance consists only of Qualifying Promotional Financing balances. For `delerted interest' QualNymg PromoNmal Financing. periodic finance dlarges aarua dudnp the Dranotlonal pedod but are not added to you account balance. Instead. Ney acamulate Irom billing cycle to billing qde. If a defened totems[ Qualifying Promobonal Finandnp balance is not gate in htN fry ma appliorbk Expiretlon Date, [he Aefermd finance dtarges v+Nl ba added N your account az soon az me first day afkr the Expiration Dak. Farmer, iF you defad[ under me farms of your Cardmambar Agraamant ma defermd'finance charges well be ad dad to youraccountas soon as the date of default. For'Ybted payment' Oualiylnq PramdtlonN flnandng that penults gal to parr for a purchase In a designated number of payments. you cell not haw a grace period for [ha[ Leknme as each prrymenl includes a portion of ma intarast ovred over the rapaymant lartn Im that pumhnse. Hmvarer, you will haze a grace pedod on oMer IMitY purchases as described above. BILLING RIGHis SUMMARY la Casa of Errors or Qaesliorts About Tors Bill: If you think your bill is wrong, or If ytlu need more inPormation about a transaction on your bill wrik Cardmember Service on a separak shcet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. W e must hear From you no later man GO days attar tva sent you me first bill on trhlch Ne error or problem appeared. You ran klephone us, but doing so will not preserve your rights. In your letkr, give us the following in formaaon. • Yaur name and account number -Tha dollar amount of the stlspertad error • Describe the error and explain, If you can, why you believe Nara is an error. If you need more informalon. describe me imm you are unsure about. You do na[ have to pay any amount in question [while ra are investigating, but you are stlll obligated to pay Na Darts of your bill Nat era not in vuastion. While to Inwsdgate your questlon, we cannot report you as deNnquent or kke action to coNect Ne amount you question. II you haw au morized us to pay your,:redit rird bill automatically from your savings or dteckiny nurount. you can stop [he payment an arty alnounl you think is wrong To slop me payment. your letter or call !using Ne Cardmember Service address or klephone number shown on rots statamanQ must ranch us at least mrea business days belorx Na au[oma0c gagman[ b scheduled to oca r. SAecial Rek for Credit Cart) PureWuc If you haw a problem :with Ne quality of goods or services mat you purchased wiN a credit card iexduding purchases made wlh a check), and you haw ttled In good tatth to correct me problem vitro me memhant you may not haw to pay Ne remaining amount due on the goads or services. You haw rots prokc[ion Doty vihan me purchase prig was more man S50 and ma purdlasa eras made in you home slate or :vimin 100 miles of your madinq address. These limitations do not appy if we orm or operate the me«han[. or if xe mailed you me advartisament for me property pr services. aaammoa 29 of 57 Take Advantage of Your Credit Line! As a preferred cardholder you're entitled to significant privileges including the Balance Transfer checks below. They come with the rate you alaaady enjoy with your card.` Transfer Balances, Pay bills, Make a purchase! Use these checks to: / Transfer balances from higher-.4PR accounts / Make a special purchase / Pay fur home imprrnements To begin saving li~at away, just put the checks below to wrork for you. Y-ou can nTite these checks for any amount - up to the unused portion of your credit line. `See the "Important Information" section below for ma,; details. DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1657 Mus! post m purer accaut by tM posttng daleAam dale of0A26c100B b;Attie MR stored U fora ~ r N ^L~ `- U I $y~I l F. tl Aa6 t` N N d 0 2 '~ (~~ . J •F~gg p~p A W Q DAre MKT71671 2826 999 56-155 U441 PwY To THE Q. OnDen OP ~D Void Void Void Void Void. This DOCUMFJ4IT CONTAINS AN AATIPIOAL WA'fEBMARR, ABSENCE OP THIS FEATUAB WIILBJIIIU'IE A COPY Payade ihr[agh: Flrsl U50. Delaware, OH 13015 ~I19 MPMO SIGNwTVBE a:044ii55iia:337i1757925207rr'2826 Mull poll b yoar accarnl by tAe porlflg dnYNoid dale of092CJ1D08 b aA lAe APR staled u yoty ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 7 70 50-1 857 DATE 2827 999 56-155ll441 PwY To TIC O]iDEB OF Void Void Void Void Vo~dABS THIS DGCUMF]JT CONTAINS AN ARTIPIUAL W ATERMARR, ABSENCE OF TH15 FEATURE WILLMDIG]E A COPY Payade Ihrau] h: t nst USA, Delaware, OH 43015 7119 MEMO SIGNATURE ~:Ot,4ii55iL~:337i1757925207r1'2827 'INV9RTANT INFORNAiION~ The use of the allached checks] a dlahlsl will conyilute achage agairN ;rom credit aaounl. APR: Your APA fir the agadled dleck(sy is the sfa~dard rate la Bahnce Transfer Checl¢ on your arronnf. Tnrrsactron Fee Finance Chagas: Please sex your Cardmembxr Agrxxmenl for any applicable transaction lets. flikhl to Dedin[ M checks are pad of this offer, checks that post alter Iha raid date disdosed or That are made payable to us or one of our related hanks or canpanies;all M rkdined. Under cerhin ciramslanas±br ezample, B your account is pastdue ar Dyer lunit, or it nre reasonabh/ beliara that you wBl he arable or unwilingio rapt/ tde faience or as desnibxd in your CardmemLcr Agrexmxdj. we may dedine to prarss you Transaction, in which case you will bz ndrfied. Paymerd Allocation: Nk may allo^.ate payments to Mhrrxs wtlh lvR APRs findudingg lghrrxs with inlroductor/ and promdianal APRs) before applying paymeds io higher APPRR balances. This means That arty promdnnal per'zId disdosed to pu may 6¢ shorter based oa ;roar payrnenl amounts and APRs m other balances. DelauB: Any irltroduday, promotonal, a standard APRs am mdingenf on your wmplying •rlflhthe terms of your account For ezamph, ityour ps/mad to us is nd received b/ fde dolt and lima • our pxymxd is dw; d ur avount iso+erlimit: or it a pa^menl to us is not honorxd h/your bank, the inlrodridor~, promdiant a slardard APR oilers may ¢nd and the APRs on all balances and ne:: Iransad'lons on your armunl wdl adlud to the applirabkt mle and become ellecine as of the hrsi day a1 the tiuim o;sk in which the delaud orurs. Graee Period: A gran perbd will nd apply to Imnsacdons ban this offer. Catlmemher A~raemed: For kulhxr ddails about terms or condilbns on your avounl. pkcese rxkr to your Cardmxmber Agreement. Dlher Iteme If your credit line {credd access line%revdvirq credA line br V'sa Signalure;tiyarld Mastercard axounlsj a cell arses line, y:hch may appear wdhin, is b;:ered for any reason since the lime your accoud was selected la This~ffer, B mould albd the satiable medil m your arxeud and your ahiTdy to Uke arlvanlage d td"s oiler. If yal pay err dispded amamts, • ou may lost' ur riphl b disputx Ihxm. This ollxr s rM valkl it par exeunt has bean convected to any other product t;ye, sudr as to or Itom a ~~ brand' or other "reaer~s' accorud. II appl'rabk, onf/ clFda Thal wz issue la yvur aoxud are valid. Chxclrs from th's oiler dzpositzd ido you bank axountat an" bank iincludinp any o1 our tanks] mz/ bx subject loo delay in the avaiabiBM, d those Nnds. Checks tsed to anxssyar aa»um must Lx presenizd to us in paper lam. Ira check's presented ro us ekdronicalh/, we may nor he able to arcepi i duo to c¢dain check processing rules rx must adhere to. DSC115ta8 30 of 57 ~ ~ _ - o ~ s ~_ ~ o~ ~ .„ ~~ ~~ ~ ~ ~ ~ ~ ~ m ~ 0 0 ~~ ~~ 0 ~~ ~~ ~g ~m z~ ~~ 31 of 57 Statement for aot:ounf nDmbe-: ax>,s eai,t ~s79 zs2o New Balance Payment Due Date Past Due Amoum Minimum Payment $10,176.17 09/17Po8 $0.00 $203.00 . Make your check poyable to: Chax Card Service. Pleasewri[e amount enclosed. New address or a-mail? Print on balk. 42668411757925200[]~203[J0010176170g00003 CHASE efi706BOCZZS,oec I IlLl L 1 I I il l l ILLI Il l L ll IL l DANIEL HAUSER rrr rr ~ ~ .. .r rrr r rrr, r.r rr r ,r r~ r 633 HERBAGE CT MECHANICSBURG PA 17050-1857 CARDMEMBER SERVICE PO BOX 15153 L.rIllrrrllLlrrlrirllunuillulnlrlrirululirnli.ILr~I WILMINGTON DE 19886-5153 t:500D1.6^28r: 2D3 L 17579 252^4tl• ~""~ Opening/Closing Date 07/29/08 -0&28/08 CUSTOMER SERVICE C ~ AMERICAN Paymem Dus Date ~ - 09/17/06 In U S 1-688-305-4016 • KENNEL CUIB Minimum Payment Due: . . $203.00 Espanol 1-888-446-3308 TOD t-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S call collect VISA ACCOUNT SUMMARY Account Number 1-302-594-8200 : 4266 8411 7579 2520 Previous Balance $10,383.17 Total Credit Line 000 ACCOUN7INOUI RIES $11 Payment, Credits -$207.00 Available Credit , $823 P.O. Box 15298 Cash Access Une New Balance $10,176.17 Wilmington, DE 19850-5296 $ Available for Cash $823 PAYMENT ADDRESS P O Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase.com/creditcards TRANSACTIONS Trans Amount Date Reference Number Merdtant Name or Transaction Desc7iption Credit petit 08/15 12282282700005777786897 aymenl-Thank You 07.00 FINANCE CHARGES Finance Charge Daily Periotlic Rete Corresp. Average Deily Due To Transaction Accumulated FINANCE Category 31 days in uyde APR Balance Periodic Rate Fee Fn Charge CHARGES Purdtases _00000% 0.00% $4,489.68 $0.00 $0.00 $0.00 $0.00 Cash advances V 05751% 20.89% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer OO D00% 000% $5,600.00 $0.00 $0.00 $0.00 $0.00 Total finance charges ~ $0 00 Elteaive Annual Percentage Rate(APR): ~ 0.00% Please see Information About Your Account section for balance computation method, grace period, and other important information The Conespontling APR is the rate of interest you pay when you carry a balance on any Vansadion category The Effective APR represents your total finance dtarges -including trensaction lees such as cash advance and balance transfer ices -expressed as a parcemage. IMPORTANT NEWS Guard against identity theft and manage your cretlit information with Chase ID Protedion. Get unlimited access to 3-in-1 credit reports and scores, daily monitoring o1 your credit files, timely alerts and more. To purchase, call 1-800-217-0281 or visit www.ehaseidprotection com. Save on appliances, MP3 Players, toys, and more at Shoppers Advantage. Eam qsh-back rewards on eligide purchases in addition to the low prices. Get the details of www.Shoppers Advantage.com/Chase, where you'll be idemified as a Chase cardmembar eligide for this special Trilegiant offer Did you know you can use your credit card to access cash whenever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1 X00-2974970 to create your PIN today. This Statement is a Facsimile -Not an original 0000001 FIa33335 C 3 000 N Z 20 08x0920 Pape 1 d 3 OOOB2 MA MA 66766 2411000003000fifi76601 x IN5133d0 24 of 57 Address Change Request Please provide iniormaton bebw only N the address information on front is incortect. Street Address: City: State: Zlp: Horne Phone: Work Phone: E-mail Address. Information Aboal yor AaouM Lod ar Slolan Cards Please report your lost or stolen card immediately 6y calling Me Customer Service number lountl on Me front of your statement. Advisors are sways available to assist you. You ran reads an Atlvisor by pressing 0 otter you enter your acwun[ number Crediting d Payment: for payments by regular U.S. mail, stud a1 kastyour mirdmum payment due to outpost ofRce boz designatetl for paymentshovm on Mls statement. Your payments by mall must comply aAth Ma Instmetbns on Mis statement and must 6e made by check or money order. payable in U.S. Dollars, and dawn on or payable through a V.S. financial Institution or Me U.S. bench of a loraiyn fmandal instltu0on. Do not send cash. Write your account number on your check ar money order. Payment must be accempanietl Dy Me payment coupon in Me envelope providtd :viM our addass visible Mrouph Me envelope tvindoer; Mx envelope cannot contain more Man one payment or coupon; and there can be no staples, paper dips. tape. ar correspondence inducted viM your payment. II your payment is in accordance wiM ou r payment nsbuctions and is made available to us on am day accept December 25 by 1:00 p.m. local rime a[ our post office box designated For payments on This staement. ore rria credit Me paymentlo your account az of Mat day. IF your payment is in accordarke rviM our payment inswctions, but is made avaitde to us after 1 ~?? p.m. local time at our post office boz designated for payment on Mis statement wa will credit R to your account as of the next day. I f you d o not toffee our payment insW coons or if your payment is not sent by ropular U.S. mail to our past office box designated for payment, crediting of your payment maybe delayed for up to 5 days. Payment made electron'maly Mreugh our automateO klephone service. Customer Service advisors, or our r~eb site will 6e subject to arty processing limas disclosed for Musa payment. A¢ount Inbrmadon Reported to Credit Bnreauc: We may capon inlormaDan about your account to credit bureaus. Leta payment, missed payment or other default on your acaunl may be reflected in your cadrt report If you Mink we have reported inaccuate information to a credit bureau. you may vydh to us ai Me Cardmember Service address listed do your billing statement. Notice About Electronic Check Conversion: When you provide a shade as payment. you authorize us either to use information Irom ywr chadt to make none-tlme alactronic fund transfer from your account a M process Me payment az a shads transaction. When rx use inlormativn (ran your shade [o make an eectronic fund transfer, lands may be udhdrnvn from your acrount as soon as the same day ue receive your payment, antl you :writ not receive your check back from your finandal institution. Cal the mskmer service number on Mis statement it you haw questions about electronic check collacti on or da not want your payment collected electronicaly. Condld aal Payments: Any payment chadt or other Conn of paymxnt Mat you send us for less Man Me full balance due Mat is marked `paid in lull'. or contains a simitr notation, or that you olharwise tender in lull satttaction or a AisptRxd amount muss ba sent [o Cnrd Services. P.Q. Bax 150d9, Wilmington. DE 19850-5049. We rexrw all our right regarding Mese payments ie.g., d it is deternined Maro is no valid dispute or if arty carte check is received at arty oNer address. :ve may accept Me chedt and you sill sD0 owe arty remaining balance). We may refuse to accept arty such payment by rata ming i[ to you, not cashing it a destroying it. All other payment Matyou make should he sent M Me appropnah payment address. Mnual Renewal Notlu: II your account haz an annual tea, h w01 Dx blpad xarh year ar in monthly Installment. wheMxr or not you use your account, and ya, agree to pay it when billed. The annual he is non-refundable unless you notihy us Mat you wish td dose your aarount within 30 days of Me dale we mail your statamenl on which Ma annual fan t charged and at Me same Dme. you payyour outtanding balance in Lull. Your payment of the annual fee d oxs not aflert our fights to dose your account andto limit your right to make transactlons on your account. II you r aerbunt t closxd by you or us, sva vdll continue ro charge Ma aMUal fee unDl you pay your outstanding balance in full and temtinatx your arrount mladonship. Ez~laartiaa of Flwrtx Ctntges: We aladate periodic finance charges, using the applicable perioAlc rates shmvn on Mis stakmant, seDaratety for each feature (e.p., balance Imnster/convenienw rfiecks and cash advands rharks ("shack Transaction"), path asxs, balance tansfers, ash advances, pramotlo Hal tatanas a overdraft advances). Please consult your Cartlmember Agreemem for rite features that are applicable [o your card. These alruktlons may combine dliferen[ ategodes wIM Ma samx dally parioAle rates. If Merx Is a "V' next to a pedodlr, rata on Mls statx merit, Mat rate may vary; and Me index and margin used la determine Mat rah and it ronespontlinp APR era descriDxd in your Cardmamber Aymement. as amandad, There Is a minimum flnnna charge In cry billing yrk in which you one any periodic finance charges. and a transaction finance charge for each balanra transfer, ash advanra, or duck transaction, in Mx amounts stated in your Cardmember ApreamanL as amended. To pxt Mx daiy talance for aadt day of the current billingg rydx, ore take Me tapinning hNnnra for aevh texture, mild any Haw transartlom or other dablis (Induding fans, unpaid Onanra charges anA other charges): subtract arty p,Tymxnls or oadl[s, and make oMxr adJustmants. Transactions are adAad as of Ma transaction Aatx, the beginning of the biting .ryde in .which Mey me posted to your account. or a later data of our Molce (ezapt Mnt shack tansactions era added as of Me date dapositad try the payee or a later alit of our choice). Fees are added either on Me date of a reload IransacDon, the date Mey era posted to our accaml or the last day of Me billiny cycle. This gives us Mat days daily Delxn~x. A credit Dnlanda Is Vaated as a balance M Za m. If a daily periodic ate applies to cry feature, :ve muhipty the daily balance by Me dally parloAlr, ate to get your perloAlc flnnna charges for That da~j. We ttran laaromoe add mesa periodic finance charges to your dotty balance to gel Me beginning balance For Me ne:t day. !It more Man one deity pe dodic ram could apply based on Me average dailIyy balance, vie will use the riot periodic ate Mat apdies for the avenge daiy balanrx amount nt Me end o the billiny ryde [o alalate the daily periodic finance charge each day.} To get your coal periodic finance drarge For a billing ryde when a daily periodic rate(s) apples, •xe add allot Me daiy periodic finance charges for all katures. To determirre an avenge daily balance, rx add your daily balances and divide by Ma number of Me days in rite applicable billing ryde(si. It you multiply Me swage daily balance for each teaWa by Me applicable daily periadk rate, antl Men multiply earn of Mesa results by Me number of days in Me applicable billing rydeisi, and Men add all of Me results together Me total will also equal Me periodic finance charges br Me billing cycle, except for Inlndr varlallons due to rounding. To gel your total pxdodlc finance charpx for a billing ryde when a monthy pedotlic ataisi applies, multiply Me avenge dairy balance Far each feature by Me cepplicebfe monMty periodic ate and add the result loyethar. Tha total wUl atµW Ma periodic Gnance charges for the billrttg cyde, except br minor variations due fo rounding. Grace Period (al lead 20 days): We accrue periodic finance charges on a tansaction, lee, or finance charge from the doh it is added [o your daily balance anti payment in tun is received m your aanunt. However, :w do not charge periodic firence charges on new purchases billed during a billing ryde if vn receive boM payment of your New Balance on your current statement by Me date and rime your payment is due and also payment ofyour Necv Balance on your previous statement by the date and Dma your payment uas due. Thee is no gate pperiod for balance tansiers, rash adwnrns, dveck transactions, or owrdaftadvdnces. In addition. if Mare is a "Qualifying Promotional Financing' section on this statement yea mill not incur periodic (Hance dtarges on arty Remaining fibanca that appears in That sexton it you pay thil balance in full by Ma applicable Expiatlon Dah. Horxver, A you default under Me terms of your Cardmember Agreement or any Qualifying PmmoborW Financing ode r. Me applialble periodic finance charges will arcnle on an9 Remaining Balance as soon az Me biding ryde in which Me default occurs. To avoid finance charges on new purchases rihen your Na:v Baance includes arty Remaining BalanceisJ in Me Qualirymy Prorno[iona Financing section, pay your full Nevi Balance minus the total of Mose Remaining Balances, by Me data and Dme your payment is due. However R your statement shtrvs that a minimum payment t due, we must receive a[ least Mat minanum payment by the date and time spedfied on your stakment. even ilyour Nerr Balance consists only of Qualifying Pmmotional Financing balances. For 'defamed interest" Qualifying Promotional Financing. periodic finance charges avcma dttdnp the prolnodonal period but are not added to your account balance. Instead. Mey acamulate from bilhng cycle to 6Aling cyce. If a dekrad inlrrest Qualifying Promotional Finandng balance is no[ pad in kill try Mx appliunbH Expiration Date, Tha deferred finance charges will ba added W your account az soon az Me first day after the Expiation Dah Further, If you defuAt under Me taints of your CarMnambar Ayraamant Ma deb rred finance charges rdll De added to ymtr acroun[ as soon as Ms date of defaud. For'lbed Daymxnt' OuaIIM14ng PromotlonN Flnandng thnt penults yet to pa;~ Lora purchase In a designated number of payments. you rAll not have a gaee period fm Ma[ baLtn:e a5 each pvymxnt Includes a portion of Me inixrxs[ orred over Mt rxpaymant farm for Mat purchase. Hava:rer, ycu will haw a grace period on other raw purchases az described above. BILLING RIGHTS SUMMARY la Casa of Errors ar Q nesliorrc Abonl Yon Bill: It you Mink your bill is :wrong, or if you need more Intortnation about a tansactlon on your bill write Cardmember Service on a sepaata sheet d P.O. Box 15299 Wilmington, DE t EQ1303299 as soon as possible. Wa must hear From you no later Man 60 days attar ova sent you Me first 6111 on tvhlch Me xnor or problem appeared. You ran hlephane us, but doing so will not preserve your rigMS. In your letter, give us the following information. • Your name and aa:ou nt Hamper • Tha dollar amount of iha suspertad error • Describe Me error and atmlan, ifyou ran, why you belew theca is an error. If you need moo Information, describe Me item you as unsure about. 9 DY D Y q le rx Inwstlgate your quesd at, lve cannot report you as delinglxn[ or take adian to colect Me amount you question. If you haw authorized us to pay your credit card bHl automatlcalty from your savings or dteckiny account. you can stop the payment on airy amount you think is wrong To stop Ma payment your letter or all (using Me Cardmembar Service address or telaphona number shown on Mis sta[amanQ must ranch us at least Mrea business tlays belorx Me automatic payment is schxduled to oca r. Slecial flak for Lred it Card f+orekases: II you haw a problem e:iM Me qualiy of goods or services Ma[you pumhased wiM a credit card iexduding purchases made write a Meck), end yal have tiled In good fahh to coned the problem uiM Me memhan[, you may not haw to pay Me amaining amount due on the goods ar services. You haw Ma protection only evhan Ma purchase prig was more Man S50 and Tha W rdlasa woes made in your borax slate or :vdhin 100 miss at your mailing address. These limitations do not apply ii wa own or operate Ihs merdtant. or iF wa mailed you Me advartiaelnent }or MB property or Servivzs. Yw do no[ have to pay any amount in question while vie are irrveSDgadng, but ou era soft ob1l aced to a Mx arts of our bill Mat era not in uasnon. 25 of 57 Take Advantage of Your Credit Line! As a ptefrned cardholder you're entitled to significant pmileges including the Balance Transfer checks below: They come Kith the rate you already enjoy with yrour card.* Transfer Balances, Pay bills, Make a purchase! Use these checks to: / Transfer balances from higher-.4PR accounts / Make a special parchase / Pay for home imprrnements To begin saving right away, just put the checks below to cork for you. Y'ou can write these checks for any amount - up to the unused portion of yotu• credit line. *See the "important Information" section below for more details. DANIEL HAUSE R 633 HERITAGE CT MECHANICSBU RG PA 1 70 50-1 65 7 Must pore b yoar acc[xnl ay At posl4g EaleNofd dale of 10R7l31M8 b g[l the APR slmed La yoav M .?~ a$ U I~ F Q M Q M b ~ I z '~ ~~ •iK F pr3 A DA-rn MKT11662 3115 999 56-15511441 PAY To THa OImPx OF Void Void Void Void VoidA>~ THISDOCVAfENT CdrtAIIJ$ANA]QIPICIAL WA]EAMAAA,A]11FNCE OF TI¢S [4.AN]tE WILL IIiDIUTEA COY Payable ihrougn: FrA USA, Dalarare, OH 13075 ~f19 MPMO SIGNA7i/tE t:044115511%:337ii757925207rr•31i5 Aravl post b yoav eccaw D' AeP~Ir+K da4hoid dole af70/17lLe03 b geY lAe APR s[al.d iw you. 11 r DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1657 DAT$ 3116 999 se-1ssv4al PwY To Tire. 91mrx OF Void Void Void Void VoidA~ THIS DONAmNT CdiTAINS AN ARI]PIC]AL WA'IF]2MA)DT, ABSFN(~ OP TIflS PFA]VREWI[S-]NIDG'IE A CC4Y Payable tMpgh: Fr9 USA, Delaware, OH 13015 7119 MFMO SlcrrwTnxxe %:044115511%:3371 i7579252071r•3 116 'IMPDRTAM INF6RNATION' The use of the attached check?s a dra%fsl will mn5%de achage agaird your cred% acmud APR: Your APR fir the a%a~led ~eck(sy is the standard rate la Balance Transfer Checks on yolx arraunt. Transaction Fee finance Charges: Please see yea Cardmemheritgrzzmznt for any appliahk Bansadion kzs. Ri'hl to DedirlR If checks are pall of th's o%ec checks Iltaf poll a%er the wid dale disclosed or that are made payable to la or one of mr related banks or companies •,rill be declined. Under certain cirmmdances!br eiampk; %your account is past due or a!er limit, a it re reasomhhf believe that you r;ill ba unahle or unveiling to reps; the tofance or as devxibzd in yola Cadmemter Agreemzmj. we may decline to praxes your transaction. in winch rase you will be notified. ment Allocation: V!e may alloale payments to lvlarrxs w%h lox APRs iindudingg babrrxs pith inhodudory and promdionalAPRs) ixlore applying paymerns to higher A balances. This means that arrv pramdonal perxd disclosed to you may ho shorter based on wor payment amounts and APRs on other balances. Delau%: My idrodudary, promotbnaL a standard AFRs am co ~dingenl on yar canplpinq r;Ahtha terms of youraccount Fa example, ityoa paymerd to us is not rereiaed bj the daft and timz your paymzd s due; it >nur av~unl is o?erlimB: or it a pamlent to is is not honarzd b~ yen hank, the i~drodldor;, prorndional. or standard APR oilers may erd arxi the A s on all balances as ne:: transactions on your aunt wdl adjld to 11• applipbk rate and bemne eflalhe as of the hr5 da! of the Mllim c; ck in which the delau% oxurs. Grace Period: A gran perpd will not apply to transactions from this oher. Carlmemhar Atreemem: fur hnlher dztails alai terms or mndhbnson your amount, pk'ase tiler to your Cardmzmber Agreement. Dlher Ilemc It your credit line ;credit access linafevoHinq cred% line br Vsa Signature;?Yaks Mastercard accounlsj a rash a¢ess Gne, wh kh may ap pear re%hin, is knvered for any reason since the time your amoud ;ras selected fa Ih's oiler, it mold ailed the aea'dade credit m your acmurd and your a6ilitw to take adramage of Ihis otter. II yal pa/any dispded amamts, •ion mr; losz •~yoour right to dispute Iham. This olfzr is not valid it your accoum has bn:n conrerhd to any ottler product Pype; sudr as to or Aan a'm brand' a othar `rerzrds' rwum. I(applkabk, Doty chedls that rrx issue la ymlramoum are raid. Chicks Irom Ih'sallzr dzpmitzd intoyour hank amount at am' balk iincludinp am,' of our banksi ma/ ix subject toe delay in the avaiabiliT,• 01 those totals. Checks used to a7xss you avAUn1 must tx presented Io us in paper fdrn. Ira Check 5 presented to us ekdronipl y, we may cot he able fo accept i due la cedain dler:k processng rules ne mlrsl adhere lo. OSCi1633 26 of 57 0 0 m o S~ b" A O pZ~ O Z C m q O O C~n O M O /~1 m O~ ~g ~m _~ ~~ 27 of 57 Statement for accourn number: a266 sail 7s7e zs2o New Balance Payment Due Date Past Due Amoum Minimum Payment CHASE $s,e73.n 1aleroe $ooo $1ss.oo Make your elxck payaWeto: Chax Card 9ervicea. Please write amount enclosed. New etldress a e-mail? Print on betlc. 426684117579252000D199DD0099731700000D6 74aeoeotzz7zoec IIrr111rl1rlrrlrl.rlr11111r1,Irrrrllrl.Ir.,llrrl~l.~rllrrll.rl DANIEL HAUSER 633 HERITAGE CT CARDMEMBER SERVK;E MECHANICSBURG PA 17050-1857 p0 BOX 15153 WILMINGTON DE 19686-5153 ~: 5^^D L6^ 28t: 20 3 1 1 7 5 792 5 2049• ~~w, "~ (~ Opening/Closing Data= AMERICAN Paymem Due Date: D8/29ro8-Oa28/09 CUSTOMER SERVICE 10/16/06 I U S • a-..-, r~ KENNEl CillB- Minimum Payment Due: n . . t-688-305-4016 $199.00 Esperlol i-688-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside US_ call collect VISA ACCOUNT SUMMARY Account Number x266 941 t 7579 2520 1-302-594-6200 Previous Balance $70,176.17 Total Cretlit Line 000 ACCOUNT INQUIRIES $11 Pa mant, Credits Y -$203.00 Available Credit , $1 026 P.O. Box 75298 New Balance $g g~ 17 Cash Access Une $2 200 Wilmington, DE 19850-5298 Available for Cash $1.026 ppyMENi ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.cha .oM reditcard TRANSACTIONS Trans Amount Date Reference Number Mardtant Name or Transaction Desvip7ion Credh Debit 09/16 12602602700005911136226 ayment-Thank You 03.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp Average Daily Due To Trensacu on Accumulated FINANCE Category 31 days in cytle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases D0000% 000% $4,291.04 $0.00 "_ $0.00 $0.00 $0.00 Cash advances V 05751 % 20 99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $5,600.00 $0.00 $0.00 ~ $0.00 $0.00 Total tinance charges $0 00 Etleetlve Annual Percentage Rate (APR): 0.00% Please see Inlormetion About Your Account section for balance computation method, grace period, and other important intormavon The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Eflecvve APR represents your total tinance charges - including trensaction lees such as cash advance and balance iransler lees -expressed as a parcemage IMPORTANT NEWS Guard against identity theft and manage your credit intonnation with Chase Identty Protection. Get access to 3-in-1 credit reports antl scores, daily monRonng of your credit tiles, timely alerts and more. To purchase, qll 1-600-217-0291 or visit www. rh aseidproteclion com. Save on nearly everything for your home: repairs, renovation, shoppng 8 more- Learn more at www.completehome.coMChase, and you'll be identified as a Chase cardmember emiUed to this great Trilegiam offer-which includes $20.00 Lowes Gilt Card! Did you know you can use your credit card to access cash whenever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1 X00-297970 to create your PIN today. This Statement is a Facsimile -Not an original 0000001 FIS33336 C3 000 N Z 29 OtW928 P~e1 0l3 00092 MAMA 74460 27210000000007466001 R 20 of 57 Address Change Request Please provide intorma4on below only i11he address information on trorn is incorrect. Street Address: City: State: __ Zlp __,__ _ Homo Phone: --_ __ ____ Work Phone: ___ ~_ ____ E-mail Address _- L Informatlon Abont Tor AcwuM Lod or Stolen Cards Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement Atlvisors are always availade N azsist you. You ran reach an Advisor oy pressing 0 after you enter your account number Crediting of Paymenh: For payments by regular U.S. mail, send at kart your minimum payment due to our post office box designated For payments shorn on this statement Your payments bj mall rn ust compy with Ne Inslmrtlons on this statement, and must ba made by check or money order. payabk in U.S. Dodars, and dawn on or payabk through a U.S. knancial institution or the U.S. branch of a foalyn finandal instlNlion. Do not send rash. W(Ite your account number on your shed or money order. Payments must be accompanied by the payment coupon in the envelope provitled :viN our addass visible through ate envelope vAndav; the envelope annot contain more Man one payment or coupon; and there was be no staples, paper dips. tape ar corrnspmdence included vviM your paymem It your payment is in accordance •iviN our payment instruNonsand is made available to us on am,~ day except December 25 fry 1:00 p.m. local Dma at our post office box designakd for payments on Mis stakment.:ve grid credit the payment to your account as of Mat day: IF your payment is in accordance •aiN our payment inslacbons, Dut is matle avaikde to us aFler 1:A? p.m.loral Dme at our past office box designated br payments on Mis stale merit v+e will credit h to your acrxwnt as of Me next day. Ifyou do no[ lollo•:r our payment insW coons or if your payment is no[ sent b/ regular U.S. mail a our post office box designated terpaymenLS, caditing of yourpayment may be delayed for up to 5 days. Payments made ekctmnialty through our automated Rlephona service. Customer Service advisors, or our tveb site :viii be subject to arty processing times disclosed for Moss payments. Amount Intimation Reported m Credit Barearx: We may reportintormati on about your account to credit bureaus. Leta payments, missed Daymants or other defaults an your account may be affected in your credit report If you Mink we have aportad inaccuah information to a credit bureau. you may vvrae Id us at Ne Cartlmember Se rvir-e address listed on your billing statement Notice About Eedronic Check Canversiore yyhen you provide a shed as payment. you authorize us either to use information from your check ro make none-Dma electronic fund transfer From your account or to process Me payment as a check transaction. When rn use information fran your check [o make an electronic fund transfer, funds may be rrithdravvn Irom your account az soon as the same day rte receive your payment, antl you :•idl not receive your shed back from your finandal institution. Cad the wstomer service number on Nis statement if you have questions about electronic shed collection or tlo oat want your payments collected electronically Condltl coal PayimMS-My payment shad or other form of payment that You send us for less Man Ma full balance due Mat is marked 'paitl in full' or conteins a similar notation, or that you oriarwise tends r in full satislacnon of a AisDUtad amount. muss to szn[ ro GiN Services. R0. Box 15Dg9. Wilmington. DE 19650-5049. We reserve aIi our rights regarding Mess payments (e.g., A it is determined Nereis no valid dispute or if airy such shed is received at any oNer address. :ve may accept the shed and you rill stlll owe arty amaining balance). We may refuse to accept are/ such payment by returning it to you, riot ashin g it or destroying it All other payments Mat you make should be sent ro Ne appropriate payment address. Annual Renewal Natlrx: If your account has an annual lea, II rill bx billed xarh year or in monthy insa111menis. whether or not you use your account. and yw ogee [a pay it vvhan billed. The annual lee is non-refundable unless you nosy us that trou v+ish to close your aurount within 30 days o11he dais ore mail you r statement on rhich Na annual fan k charged and at Me same rime. you pay your outstan ding balance in full. You r payment of Ne annual he does noI atlert our rights to dose your attount and to limit your right to make transactlons on your account. If you r account le closed by you or us, we rAll continue to charge Me annual Fce until you pay your outstanding baknce in Tull and tertninata yeti ar-arum alatlonship. Ezplanatfoa of Fiunee Charges: We udadak pxriodlc finance dtarges, using the appliable periodic rates shave on Mis sfateman4 separatety for ands feature (e.p., Mlanra imnsferlconvertianra checks anA ash aAvance chx 9cs ("chzrk transaction"), pur~tlasas, balance tansfars, ash advances. Dromotional balances or overtlraft advances). Plxase consul[ gout Cartlmember Agreemem for the feadrres riot are appticabk to ywr card. Those alruktlons may xmbine dliferent ategodes wIN the soma dairy parioAlc rates. If Mee Is a "V•' nett N a periodic, rear on rils statement, Mat rate may vary, and Ma index and margin used to determine Mat rate and its rorrespo riding APR era described In your CaMmxmher Agreement, as amended. The re is n minimum finance charge in wry billing ryda in rfilr-h gar owe any periodic Finance dirges. and a ransackon finance charge for each balanra transfer, cash advance, or ctra ck irnnsactioa, in Nx amounts statxd In your Cardmember Aprexmxnt, azamended. To pat the daily balance for each day of the rurent blllfng ryda, we take the bapinning b:Jnnx for each feature, 2dd any nxr imnatctlons or other dablh (Including fxas, unpaid anance charges anA oNar charges), suhlmd any pT/mints or credits, and makx otharadp+sbnanis. Transaegons are added as of the transaction dole, the bxginning of Na billing ,ryda in which aiey ore boated to your account, or a later data of om thole (exaDt Nat Chad; transactions era added as of Ne date dapositad by eta payee or a later rive of ourchoice). Fees are added eitheron Ne date of a related transar•Don, the date Ney as posted to your account or the last day of Me billing tyck. This gives us Mat day's daily teknx. A catlit balance Is tooted as a bdance of tiro. If a daily periodic ate applies to any feature; :•n: mukipy Me dairy balance q' Ne dairy pxdoAlr, cote to yet ya+r periodic flnanx charges for that day. We Nxn adA mesa panotlic fintnce charges to your tlalty baknra Io yet the oeginninp balance for the nazi day. !If more than one daily periodic ate could apply based on the average dairy balance, !ve will use the dairy periodiq rate Nat aDWixs for the average daily balancx amount at rie end o1 the billing yclz ro talculah the daily periodic finance charge each day.) To get your toW periodic finance charge for a billing ryda ashen a daily periodic rale!s) apples, :ve atld all of Me tlaiy periodic finance charges torall features. To determine an average daily balance, :•re add your daily balances and divide by the number of the days in the applicable billing Cydaisj. IF you mulDply the avenge daily balance for each FeaNa by the applicable daily periodic rate, and Than mulDply each of these results by the number of days m the applicable billing rydeisi, and then atld all of Me results togeNer. Ne total will also equal the perioEic finance charges br the bilkng qde, azcept for minor variations due to rounding. To get your total periodic Bnance dharga for a billing cycle when a monthly periodic atefsi applies, multiply Me average dairy balance for each feature by Na applicable monNy periodic ate and add the results toyethxr. Thz tptal rill equal the perioAic finance diarges tar the billing cycle, except for minor variations due to rounding. Gras Period fat lead 20 rgye): We accrue periodic finance charges on a tansacDon, lee. or finance charge From the dale it is added to your daily balance tired payment in lull is received m your account. However, :x Oo not charge periodic finance charges on new purchases billed during a billing ryda if we receive both payment or your New Balance on your current statement by the doh and Dme your payment a due and also payment ofyou r Neer Balance on your previous safement by the date and 6me your payment was due. Theo is no grace period for balance tanslers, rash advances, check transactlons, or ova rdaft advances. In addition. if there is a "Oualiyinq Pmmodonal Financing` sacdvn on this statement. you :will not kwr periodic finance charges on arty Remaining Balance tfant aDPears in Ihat section if you paY that balance in lull by Na applicable Expiation Dah. Ha.•rever, if you defaua under the firms of your Cardmember Agreement or any OualAyin9 Pmmodonal Financing offer Me applicable periodic finance charges will accrue m anyy Remairng Balance as scan as the billing cycle in which fie default oxurs. To avoid Onance charges on new purchases when your Ne:v Balance in dudes any flemaining Balanceis) in Na Dualif~ing Promotional Rnancing section, pay your fun Neva Wlance minus tfie tote of Mosa Remaining Balancels) by Ne dace and Dme your payment is due. Harrever, q your statement sho:vs that a minimum payment a due, we must receire at leas[ that minimuro payment by the doh and Dme spedfied on your stehmenl. even it your New Balance consists Dory of Dualiying Promotional Fnancing balances. For 'detained into resC' Oualirying Promaamal Financing. periodic finance draryes accmx during the prwnotlonal period but are not added to your account balance. Instead. they acamulate from billing cycle to billing qde. If a defenad interest Oualilying Promcaonal Finandng balance is no[ paid in lull Mr Nx appliunble Expiation Cate, the AaFerad finanrx charges will ~ added to your acwun[ as soon as Ne first day after the Expiation Dah. Further, if you defNdt under rie krms of your CardmamWr Ayraamant, the dale rreA finance charges vdll be adAxd to your accountas soon as rie date of defaua. For'Ytxed payment' Dualadng Prmnotlonal Finandng that permits gar to par br a pumhau in a designated number of payments. you will not have a q nee perioA fa that bakrnra as each pm/mant inr-ludes a portion of the intxrxst cored over Ma rxpaymant farm for Mat pumhnse. HmvmRr, you rill hove a prose period on other eau purrhazes as described above. BILLING RIGNf S SUMMARY la Case o(Errea or Bneatiortn About Torr Bill: If yeti think your bill is :rrong, or if you need more information about a tansacton on your bill.:•rrite Cartlmember Service on a sepaah sheet at P.O. Box 15299 Wilmington, DE 1585?-5299 as soon as possible. We must hear from yeti no later Man GO days attar ova sent you rie Brst bill on uhlch rie xrror or problem appeared. You ran hkphone us, but doing so writ not preserve your rights In your later, give us the Poll otvinp informaton. • Your name and acciarnt number • The dollar amount of the sttspertad error • Desrritu the error and explain, ifyou an, rhy you believe Mera is an amor. If you need moo information. describe the item you are unsure about. You do not Aave to pay any amount in question while rte ate investigating, but you are sDll obligated to pay Nz Darts ai your bill that n2 not In quastlon. Whde rte Investigate your questl m, ore cannot sport you az delinquent or fake action to collect Me amount you question. II you have au Modad us to pay your credit wd bill automaticaly from your anvinps or dreckiny ar-count. you can stop the payment on amy amount you think is rrong To slop Na payment your leder or call !using the Cardmambar Service address or telephone number shown on riffs aWtamant) must reach us al least threw business days belorx Nx automatle gagman[ k schxduled to ocal r. Spedal Rrb for CrW it Card Prirekaus: II you have a problem ::rim Me quality of goods or services Nat you purchased wiN a cadit cerd iexdutling purchases made t•+kh a check), and you have tried In good lalth to cortect the problem wiM the merchant, you may not have [o pay Me remaining amount due on the goods ar services. Vou have Nis prohetion only when Me purchase pea waz more than S50 and the purrhasx was made in ymu henna state or :viMin 100 miles of your mailing address. Those limitations do no[ apply if we m•+n or operate the march an[. or if wa mailed you Ma advxrtlsxrnenl for the proDery or servicxs. uabomoe 21 of 57 Use these Cash Advance Checks* for Extra Cash or Purchases. These checks are a ereat way to utilize yrnu• credit card account and can be rued wherever personal checks are accepted. Curry this check with you, so you'll be prepared for any expense. ^ Make a check out to yourself and deposit it into your checking account so you'll have extra cash when you need it. ^ Use a check for emergencies, everyday expenses, large bills like home or car repairs, or when you can't use your credit card. ^ You can write these checks for any amount - up to the unused portion of your cash access line. Just make sure you have enoueh available credit for the transaction(s), uiterest, and any related fees. Access your Cash Line Instantly=" You can always Access Gash Now through automated teller machines (ATMs) worldwide when you use your credit card and your P1N. Don't have a PiN -call 1-800-297-4970 and select your PiN now. "Daily turd trxmsaelion system xlul A'(-M limilc apply. Addition;il AfM Ices may apply. MKT12g60 Must pot! b your accauY by the posting daleNold ~Y of ] 1/17/3ne8 b;d the MR reaaM k your Dart DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 7050-1 85 7 4413 999 56-1551/441 PAY To THE ORDER OF Void Void Void Void Vo~d~ TH35 DOCVFffM CtlJTAINS AN A]aTIFICIAL WATFJln1AAA, AHSENCF. OFTxit FEANRE WIIL ]NDI UTE A COPY i Payadetnrpgn: ~_ FIrA USA, Delaw2re, OH 43015 . ! F ~QQ~] Q P-i a MP1A0 x~ SSONATURE ~:044i155iLd:337i17579252^7tl•44L3 Mar! port b your account by thepoaWg dveAroid dtk of 17/17/30086 gel aha MR sla/ed w pour ~ r a ~g C z U U ,ly IF 5 Q~~ DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 70 50-1 65 7 DArE 4474 999 56-1551/441 PaYTo Tla. O]tDPx OP Void Void Void Void Vo~dAI~ THIS DOCVI.~N'f CONTAINS AN ARTINC]AL W ATEAMARR, AASFlJCe OPTI55 FEANAE WnL 11JDIUTE A COPY Payade mroupn: Fir9 USA, DNaware, OH 43015 x]n Memo ~ SlcNwnme k:^44ii55i1g:337ii75792520711.4414 MMPORTANT INFORMATION, The use of the attached checb;s} a drafl(sj rill conrtlule a dlarge apairst your aedit account APB: Your APR for the attached chek~sj is the stantlad rata tar Cash Adtianx Checks on mar account. Lamedion Fee Fironce Chargee Please see Sour Cardmember Agreement for airy applicable transaction Ices. Right to Dxlira: fl checks are part of this offer, dlecks that post alter the void date dksclued or that are made parable to us or one al our related banks or companies rill is declined. Under certain ciramstarrxs i.la example, d you axoud is past dux a ova Iknd, a tl we reasonaht~~ helie•;e That you will to unab@ or uny/illinp to reps/ t1E balance or aSdesaibed in you CardmemherAgreemerdj, we may dine to Drowns your transaction, in which case you aedl he nd'died. Ferment Alloation:SYe mry alloate psmlents to bahanws with Ica; APRs ududim balances with inlrodudoryand prano9malAPRs) before apptyinp paymenCs to higher APIs talances. this means that arc/ pramdlonal perod dirgosed to you may b2 shorter basetl on your payment amouns and APRs on other balances. DelauR: My inlrodudar,•, prandional, a standard APRs art cardinpent on your .amptyinp wflh the terms of yrour axoum. Fa e>ampk, it •//oour payment to us is nd rereired h/ t he dale and time your payment rs due; fl your avounl is orerlimd; a if a payment to Its a nd honored by your bank the mlrodudory, promotional, or standard APR oiler may erd acct the APRs on all balares and nee transactions on your armant yedl adjust to the applicable rata and become ettedire as of the first day of the billing c/cb in%•hiA the detauX occurs Craee Period: A grate perpd yell not apply to transadiolx fian this otter. Cerdmember Agreemem: For tudher detain about terms or condflions on ;rout account, please rater fo your%ardmamber Agreement. glher Items: fl your credd line fcredfl rcess linuhewb•irlg sredd line br Visa Sipnatae;'YVorld Mastercard axalntsj or cash ar~ss line, xhrh may appear whin, is krr;ered for any reason sew the tine your amoum ••,eas salaried la this offer, it could affect the raihble credit m your aaoud and your abilfly to fake advantage olthis offer. If y0ll Wy any dispded amounts, you ma/lose your dgM to d'spule them. This oiler is not valid it yom aavunt has been cmyeded to ainy other product type, such as la a Irom a'm band' a olher'revards` amount II aPPpp~~lirable, onH checks 14x1 yre issue tar your account are valid Checks kom Ihis offs deported into cam bank axalm at an^ hank lincludinp any of our Mnksj ma bu sllged to a dela;• in Ile auailabiliT,~ of those lands. Chicks used to arxss you aawunt muss h presented to us in paper lam. Ira chick s presented to us eledron'ral~/. ve ma/ not to able to aaxpt h due to certain check processing rules:•,~ mlrt adhere lo. DSC1 taa05 22 of 57 o o > m= ~ o~ ~ ~ ~ ~ ~ ~ ~ ~ °~ ~ s m~ 0 0 ~o ~~ 0 b fI F p °z ~ c m Cy 23 of 57 Statement for aolsoun7 nurnber aze6 eai~ 7679 zszo New Balance Payment Due Date Past Due Amoum Minimum Payment $9,758.17 11/17!06 $0.00 $195.00 • Make your check payaWeto: Chax Card Servien. Please write amount enclosed. New address ar rmed? Print on beds. 42668411757925200D0195DD00975817571132D 71735 BIX Z 30200 C DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 x:5000160 281: 203 117579 25 20411• CHASE ~ I want to purchase optional Chase Payment Protector Plan. I've read the Benefits 8 Disclosures on bade o1 insert. CAR DMEM BERSERVlCE PO BOX 15153 WILMINGTON DE 19886-5153 y/-"17"~` . C1:[N~ AMERICAN 1~ - OpeninglClosing Date: Paymem Due Date: 09/29/08 - 10/26/08 CUSTOMER SERVICE 11/17/06 In U.S. 1-668-305-4016 • K1:h1NU.CUIB Minimum Payment Due: $195.00 EspaM1ol 1-688-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 9417 7579 2520 Previous Balance 673.17 Total Credit Line $9 000 ACCOUNT INQUIRIES $11 Payment, Credits , -$215.00 Available Credit , P.O. Box 15298 $1.241 Wilmington, DE 19850-5296 New Balance $9,758.17 Cash Access Une . $2,200 Available for Cash $1,241 ppYMENi ADDRESS P.O Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.dtase. co Mcredi tca r ds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credo Debit 10/15 12892892700006035736513 aymenl- hank You - 15.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp Averege Daily Due To Transaction Accumulated FINANCE Category 30 tlays in qde APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases 00000% 000% $4,072.83 $0.00 $0.00 $0.00 $0.00 Cash advarn;es V 05614% 20 49% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer 00000% 0.00% $5,800.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0 00 E77enlve Annual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Conesponding-APR is the rate of interest you pay when you carry a balance on any transaction category- The Effective APR represents your total finance dtarges -including trensaction fees sudt as cash advance and balance transfer tees -expressed as a percentage. IMPORTANT NEWS Guard against identity theft and manage your credit information with Chase Identity Protection. Get access to 3-in-1 credit reports and scores, daily monitoring of your credit tiles, timely alerts and more. To purchase, call t-868-717-7534 or visit www.chaseidprotection.com Receive $10 oil Florida's finest dirus when you itlenlily yourself as a Chase Cardrnember at AI's Family Farms!!! BIG SAVINGS on 201bs Navel Oranges, Grepekuit or Mixed. First Time Buyers Only-$26.95 Plus S9H, Umit 2, Ends 01/15. Yisit www enjoycitrus.com Or Call: 1-888-237-2314 Dep1.06X Save on dining, activities, hotels 6 more with Great Fun. Loam more at www.Greatfunsite.comlDining and you'll be idemilied as a Chase rardmember emitted to this great Trilegiant otter, including $20.00 Cash Back for dining! Did you know you can use your credit cartl to access cash whenever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1 A00-2 9 7 4 970 to create your PIN today. This Statement is a Facsimile -Not an original 0000001 FIS33335 C 3 000 N Z 20 08/1028 Page 1 U 3 00002 MA MA 71735 302100000300071 ]3501 7t 1NS13352INS13C2s 16 of 57 Address Change Request Please provide information below only ii the address information on from is incorrect. Street Address: City: State: Zlp: Home Phone: Work Phone: E-mail Address. L InfortnaUOa Alpat Tow AeeourN Lad or Stolen Cards Please report your bs[ or stolen card immediately bf cellinq Ne Customer Service number found on Ne front of your statement Advisors are always availade m assist you. You can reach an Advisor by pressing0after you enter your acc0un[numher. ~ dtdiBag d Paymeem: For payments by regular U.S. mail, send at kastycur minimum payment due to our post office box designated for payments shown m on Nls statementYOr(payments by mail must somDN wiN Ne lnstmrtlons = ott Nis statement, and must be made M snack or money order. payable in U.S. Ootl ors, and drawn on or payable through a V.S. finandal institution or Ne U.S. branch of a forafyn finandal insatuton. DD not send rash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided :riN our address visible Nrouph Ne envelope rAndmv; Nx envelope cannot contain more Nan one payment or coupon; and there can be no staples, paper dips. tape or correspondence included wiN your payment If your payment is in acrx,rdance wiN our payment instructions and is made available to us on amr day except December 2h by 1~OD p.m. local Dme at our post office boz dasignalad for payments an Nis stalemem. ue ai8 credit Ne payment to yar account as of Nat day. IF your payment is in ascoMance •ailh our payment instructions, but is made avaiWde to us afkr i:DO p.m.locel Dme a[ our post office boz designated for payments m Nis stale meet rx will credit d b your account as of the next day. If you do not fallow our payment instructions or it your payment is not sent by regular U.S. mail [o our Dosl office box designated iorpayments, crediting of yourpayment may be delayed for up to 5 days. Payments made eledrpnialy Nrouph -our autnmakd telephone service. Customer Service advisors, or our ueb site will be subject to airy processing times disclosed for Nose payments. Axowt latomwtion Rgorled to Crsdtl Bareaw: We may report iniortnati on about your acaount N credit twreaus. Lela payments, missed payments or oMer defaults on your arxwunt may he reflected in your credit report. If yeti Mink ore have reported inaccuraa information to a credit bureau. you may write to us at Ne CardmemL~er Service address listed on your billing statement. Notice About Electronic Check Conversiore When you provide a chedcas payment. you authorize us either b use information from your chedt to make none-Dme electronic fund transfer from your account or ro process Ne payment as a check transaction When r+e use information from your check to make an electronic Fund transfer, funds may De :vhhdrevm Irom your acmunt as soon as the same day we aceive your payment, and you Hill not receive your shade boric from your finandal institution Cale tfws astomer service number on Nis statemem it you have questions about elecronic shade collection or dD eat want your payments collected eledronicelly. Conditlaal Paymems: Any payment ahaak or other form of payment Nat yal send w for less Nan Na full 6aNnce due Nat is marked 'paid in lull" or conmins a similar notation, or that you otherwise tender in lull satisfaction of a Aispmxd amount, must ba son[ to Card Services. PD. Box 15D49, Wilmington. DE 19850-5849. We reserve all our rights regarding Neu payments i e.g., if it is determined Nere N no valid dispute or it any such chedr is received at arty otller address, :ve may accept Ne tmeak and you .rill stlll one any remaining balance). We may infuse to accept any such payment by cacti ming i[ to you, not aching it or destroying it. Ail other payments Nat you make should d sent to the appropriate payment address. Annwl Reeewal Notloe: If your aroount has an annual lea, It vdll Dd blllad aardt year or in monthly insNlhnenls. whether or not you use your aasotm6 and you agree to pay it when billed. Tf~e annual Ne is non-refundable unless you notlty us Nat you eASh to close your acaaunt wi1Nn 30 days of the date we mail you r sGmament on whkh Na annual face is charged and a[ Ne same Dme. you pay your outstanding balance i n full. You r payment of Ne annual Ne does not affect our rights to doss your account and to Iimityour right to make Iransactlons on your accminl. If your account N dosed Dy you or us, ire vAll continue to charge Ne annual fee until you pay your outstanding baWna in full and Nrminata yart acooun[ relationship. Extlhaatba Dt Fiur>x Charges: We aladate pedodic finanrz dlaryes, using Ne appliable pedodic rates sham on Nis statemank separatey for aadt Nature (e.p., baNnra lransler/convarlienw checks and ash advance rh2dts ("shack iransactlon'"), purahases, balance tansfars, ash advances, promotional talancxs or overtlratt advances). Please consult your Cardmember Agreement for the feaaues that are applicable to your Decd. These alatktlons may aombine dltterent ateg odes wiN iha soma dniy pedodic, aces. If Nera Is a "V' next [o a pedodic, razz on efts smtamant, Nat rate may vary, and Ne index and margin used to determine Nat mte and its rorresDOndinp APR a2 described in your CaNmamber Ay reement. as amanded.There is a minimum finance charge in am/ pilling Yale in which you ore any periodic finance charges. and a transaction finance charge for eadr bilanra tmnslen cash advance, or drB Ck transaction, in Na amounts stated in your Cardmember Apraemz nt, as amended. To pat Na daily talance for aadt day of the current billingg rydx, ue take Ne bapinning balnnx for each feature, add any Haw Iransartlons or otttar debits (Including faces, tml>eld Anance charges and oNzr aharpas), arblmal arty payments ar rradks. and make other adJushnanis. Transadims am added as of iha transaalion data, the bapinning of Na Ddlingg ryde in which Nay are posted to your aacount. or a later data of our rhoia (except Nat shack ImnaaatlOfla drd added as Df IhB dsN dapOSlWd by tfx payee OI a later /1118 Df our choix). Fees era added either on Ne dale o1 a related trap section. the dale Ney era posted to your aacount, or Ne last day d Ne billing ryck. This giros us Nat dn>''s daffy baNnae. A credit 6alana is traaNd as a 6alana¢ of zero. If a daily periodic rate applies to any feature, rx munipy Ne daffy 6alana by Ne dniy padodlr, rate to get you periodla flnana charges (or That day. We tfren add Ihasa Panotlic finance dlargas to your deity baknna to get ate beginning balance for Ne next day. !If more Nan one dairy periodic rzte could apply bazad on the average dairy balance, we mill use the daily periodic mte Nat apdias for Ne avemge daily balance amount at Ne end of the Dilliny ,ryde [o olculak Ne daffy periodic finance drarge each day.} To get your total pedodic finance charge far a billing ryde when a daily periotlie rah!s) apples, :re add all 01 Ne daily periodic finance diarges iw all Natures To determine an average daily balance, ere add your daffy balances and divide try Ne number of Na days in Ne appliaDle billing ryde(si. If you mulDpty Ne awrage daily balance for each teaWre by Ne applicable daily pedadlc rate, and Nen multlply each of Ness results by Ne number of days in Ne appliceble billing rydeisi, and Nen add all of Ne results rogefher. Ne total call also equal Ne periodic finance charges for Ne hilknq cycle, except for minor vadmlons due N rounding. To get your total pedodic Anana charge for a billing ryde when a monmy periodic raaisi applies, multiply Ne average dairy balance for each feature b1r Ne apyligbk; monNy periodic raN and add ifx results toyethar. Tha total will agtral Na periodiz 6nnnx dlaryes for the billing gcle, except for minor variations due to rounding. Grse Podod fat lead 20 days): Wa accrue periodic Fiwnce charges on a transactiw, Ne, or finance cfiarge from Ne daN it is added tD your daily 6alana ump payment in full is received m your account. However, :ve do not charge pedodic finance charges on new purdtaus billed dutirp a billing ryde if rx receive boN payment of your New galena on your current satement by Ne date and Dme yourpayment a due and also payment ofyour Ne:+ Balance on your previous statement 6y the dale and 6me your payment was dw. There is no grace yeriod for balance transfers, cash advances, check transactions, or overdrattadvances. In addition, if there is a "Qualifying Promotonal Financing' sechon on this statement you uia not kwr pedodic finance charges on airy Remaining &nlana that appears in That section if you pay that bNana in brit by Na applicable Fxpiraton Daft. Norxver, d you deraun under Ne terms of your Cardmemher Agreement or any Qualrfying Pmmotiorul Financing otfe r. Ne applicable periodic, finance charges wal acente an any Remaining Balance as soon az the billing ryde in which Na deNul[ oxurs. o avoid finance charges on new purchases when your Near Balance includes any Remaining Balance(s) in Ne Oualifring Promotional Financing secDon, pay your full Men Balance minus [ha total d Nose Remaining Balances) by Ne dabs and Dme your paymard is due. Hanever. rf your statement shoes that a minimum payment ¢ due, wa must receive at leas[ Nat minimum payment M the date and Dme spedfied on your statement. even if your Nee+ Balance consists ony DI Qualifying Promotional Rnancing balances. For 'detered iNerest" Dualifying Promotimal financing. periodic finance dtarges accrue dttdnp the prornogonal period but are not added to your account balance. Instead. they acarmulate from billing cycle b billing cycle. IF a dafenad interest Qualifying Promotional Financing balance is not paid in hill by Na applisahk Expiration Date, the deferred finance charges will ba added m your account as soon as Ne first day alter the &piretion Dah. Furater, it you default under Ne teens of your Cardmambar Agreement, Na deterred finance charges vrill be added to youraacount as soon as Ne date of delautl. For "fixed DaymanC Qualifdny Pramotonal Finandng that Dennits ya1 [o pa;~ fora purchase In a designated number of payments. you will not have a g race pedod fa that baknx as each prymant includes a portion of Na inlarast awed over Nx repayment lawn for Nal Durhnse. Hmvxere r. you will have n grace period on oMer eau purchases as described above. BILLING RIGHTS SUMMARY la Cass of Emote or Qaesfiow Abotl Your bill: If you Nink your bill is :wrong, or if you nerd more Intormatlon about a transacaon on your bIII.:vriN Cardmember Service on a separaN shit a[ P.O. Box 15299 Wilmington, DE 79g5~}5299 as soon as possible. W e must Dear From you no later Nan GD days attar wa sent you Ne first bill on whkh Ne error or problem appeared. Yw ran Nkphone us, but doing so will not preserveyournghis. In your letler, gin us Ne follo:rinp in lormanon. • Your name and amount number • Tha dollar arrmunl of iha s<esper,[ad error • Desrdtu Ne error and expiate, if you an, why yell bBiktre Nara la an dRor. If you need more Infortnaaon. describe Ne item you are unsure about. Yau do no[ have to pay any amount in question vvhik °x areinvestigadng, but you are still obligated to Dny rite Darts of your bill that era not In question. While the investlgate your quasaon, wt cannot report you as deanquent or Nke action to cosec[ Ne amoum you question. II you havE au Nodad us to pay youroredit card bill automatlaaly from your savings or dteckiny aaceunt you can stop the payment on arty mnount you Nink is wrong. To slop Ne payment your letter or all !using Ne Cardmember Service address or NlaDhona number shown on Nis statamanD must reach us at least Nrea husinass days before Na automatlc payment is sahaduhd to aralr. S~euial Rak for LndO Card Porehauc If you haw a problem :+ith Ne quality of goods or services Na[you pumhased wiN a credit card iexduding purchases made tvah a check), and you have tried In good lahh to coned Ne problem uiN iha merchant, yeti may not have to pay Ne remaining amount due on the goods or services. You have Na Drohction only when Ne purchase prig eras more Nan S50 and Na W rdeasd was made in your horns stale or whhin 10') miles of your maBinq address. These limitations do nD[ apply if we own or operate Iha merle ant. or if wa mailed you Ne advanisxenent for Ne proDery or services. eaAD3ma9 17 of 57 Use these Cash Advance Checks* for Extra Cash or Purchases. These checks are a ereat way to utilize your credit card account and can he used lvherever personal checks are accepted. Carry this check with you, so you'll be prepazed for any expense. ^ Make a check out to yourself and deposit it into your checking account so you'll have extra cash when you need it. ^ Use a check for emergencies, everyday expenses, lazge bills like home or car repairs, or when you can't use your credit card. ^ You can write these checks for any amount - up to the unused portion of your cash access line. Just make sure you have enough available credit for the traltsacdon(s), utterest, and auy related fees. Access ,your Cash Line Instantiy'~' You can always Access Gash Nov through automated teller utachines (ATMs] worldwide when you use your credit card and your PTN. Don't have a PiN -call 1-tI00.297-4970 and select your PiN no«•. **I>aily and transaelion syMern and A'!'M limit; apply. AJiJiitional A I'M lees may apply. MRT72193 Mast potJ b Soar acCJJax! ~ 71erPoteLJg ealanbm daY flzrtnzoos m gel lAe MR SJa4d ra yorv f/ r ao `~ U IK .. H ~Q~7 Q W C DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1857 PwY To TIC DAra 5183 999 56-1551/441 ^ T T • 1 THIS DONMENT CONTAINS AN AAI]F)pe* WATER]NAATy AHSEN~OP]a6S FFlaTt1RE WIIt.IIiD]G'IEA COPY Payaaetnrougn: Frra USA, Delaware, OH 43015 7119 MEmo $]GNATURE a:0441i55iLd:337ii757925207kt•5L83 Mus! yotJ b Soar accaan! Dy lAeporJiryg da4Aroid dv4 of77117/2608 b ad {Aa MR tJded in tom DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1705D-1857 5164 DATB a`S 2 ~a ~~ ~~ ~I I V9 .1H 5 Q~~ 999 56-1551/441 Par To Tlm. 9ADm OF ,$ Void .Void Void Void Vo~d.~ Twt DCCIJfff]JT CONTAINS AN AATIFIC]AL WATP]iMARK, AHSPNCE OP TH]S FEATURE WOLL IND]GTcA COPY Payade Ihrplgh: Frst USA, Delaware, OH 43015 71)9 MPMO SIGNATURE ^:044ii55L1d:337i17579252071k'Si84 'IkffORTANT INFORFMTION: The use ofthe attached check~;sj a drafllsl will mnslyule a charge against your credD aanunt. APR: Your APR for the atlad~ed checkjsi klhe standard raft far Cash Ad.ance Cherks on :your arxount. Trar^acfion Fee Fiuanee Churye: Please see;rour Cardmember Agreement for alr/ appliabk transaction lees RiflM to Dedine: If checks are pad of ih's Idler chazks Thal post after flte raid dale d'sdosed or Ihaf are made pa; ahle to usar one of our rekled banla or canpaaps •,rill M declined. Under certain circumskarres ibr example, R your axnlrm k pack due a over bmh, or fl ne reasonably beliese That you Pall be unatk or unwilling to repay the baknce or as descrbed in your Cardmemtier Agreementl; rre may decline to prmess wur transxlgq in which case you vrdl be notflied. Payment Allocation: We map alloate payments to batanas.sith low APRs firrluding balanxs wRh infradudory and promofioral APRsi teiere appyirrp payments fo higher APfi laknces. This means khat arty promadonal period disclosed to you mr/ lti shorter tesed on your payment amounts and APRs on ahzr tatancu. gehuA: Am,' introduaor,~, promaialal, or standard APRs arz mnduxm on your mmptyinp with Ile terms of your arounk. Fa ezampk, it ~rour payment 1o us s not recek;ed b,~ the datz and bins your prymenl is ells; H your auwuM isverlimfl; a if a payment to us is nM homed Ny Sofa lank the inlrod'udor/, promotiorwl, a standard APR offers mry end and Iht APRs on all halanws antl nrr hansadans an }roar acmunl wig adjust to kht applkade rate and become efledi+e as of khe frst day of the billing gels in ti~hkh the dekuA oaurs. Graee Period: A grata perod will not app} to Transactions hom this otkr. Cerdmember AdmemeM: For fudher details about terms or condflienson your account, please rekr to your Fardmemher Agreement. Other Items: If your crzdil ins jcred'd rcess line.!revoh/ing credt liue for Visa SipnatursWorld MasterCard arrouMs) or cash amass M1ce, wh'rh may appear within, is Iw•rered for any reamn Sots the lime your aaounl was selected for tk's otter, fl muN afkd the avaifahle aedit m ymr account and wurabifN, btake adardage olthis otter. If you pay amr disputed ameuMs, you mar low wur right to dispute them This otter is nd valid if your account has been converted to any other product tape, such as to a-hom a `m brand' a other-rerards` account. II pptcabk, ony cfiecksthat we issue foryouraccouM are valid. Checkshan this o}kr rkposiled into your bank rwun[ at am,' bank lincluding an; of our Lanksi ma)) tz su6jed toadelay in thx avaiabilty of Those funds. Chicks used ro aaass youraaount must lti presented to us in paper tarn. li a dleck a presented to us eledroniaN;~. wa may no[ to ante to arrepk d dl>z ko certain check pro:essinp rules vx must adhere ro. DSC11925 18 of 57 O O ~ O H O A A 2 C m q O O C~ M ID n F ~g E ~m Z~ ~~ 19 of 57 Statement for accourtt number: a268 aai,l 7s79 z52o New Balance Payment Due Deie Past Due Amount Minimum Payment $9,700.67 lvlfiroe $ooo $21z.oo . Make your chedr poyaWe to: Chase Card 9mioes. Please write amount enGosed. New address or rmed? Prin[ on beck. CHASE r I want to purdtese optional Chase Paymem Protector Plan. IYe read the Bengins 8 Disclosures on back of insert. 4266841175792520^002120~009700675731641 sosaa atx z a3sce c DANIEL HAUSER 633 HERffAGE CT MECHANICS BURG PA 17050-1857 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 1:5000 L60 28~: 203 L i 7579 25 20411• r~`4 Opening/Closing Date: 11)/29/08 - 11/28/06 CUSTOMER SERVICE F . AMERICAN ( Payment Due Date: 12/19/oe In U S 1-688-305-4016 ~ KFr1NU.CLUB- Minimum Payment Due: $212.00 EspeROl i-688-446-3308 TDD 1-600-956-6060 Pay by phone 1-600-436-7956 Outside US. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8411 7579 2520 Previous Balance $9,758.17 Total Credit Line $11,000 ACCOUNT INQUI RIES P.O Box 15298 Payment, Credits -$185.00 Available Credit $t 296 Wilmington DE 19850-5288 Purchases, Cesh, Debts a$21.75 Cash Access Une , $2,200 Finance Charges e$115 75 Available for Cash $1,299 pgyMENT ADDRESS New Balance $9,700.67 P O. Box 15153 Wilmington. DE 19886-5153 VISIT US AT: www. dta se. coMCreditca rds TRANSACTIONS Trans Amount Date Reference Number Merdtant Name or Transaction Description Credit Debit 11/16 13213212700006179338386 ayment- ank You 195.00 11//7 24692166323000181729706 GIANT FUEL JFS MECHANICSBURG PA 21 75 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fn Charge CHARGES Purdhases 03633% 1399% $3,907.49 $4643 $0.00 $000 $4643 Cash advances V .05477% 19.99% $0.00 $0.00 $0.00 $0 00 $0.00 Balance transfer .03833% 13.99% $5,633.48 $69.32 $0.00 $0.00 $69.32 Total finance charges $115.75 Elfedive Annual Percentage Rate (APR): 13.99% Please see Information Abou[ Vour Account section for balance computation method, grace period, and other important information The Conesponding APR is the rate o1 imerest 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 translertees -expressed as a percentage. IMPORTANT NEWS Receive $10 ott Florida's finest afros when you identity - yourseN as a Chase Cardmembar at AI's Family Farms!!! BIG SAVINGS on 201bs Navel Oranges, Grapefruit or Mixed. First Time Buyers Only-$26.95 Plus SBH, Umit 2, Ends 01/15. Visit www enjoycitrus.com Or Call: 1-868-231-2314 Dep1.06X FREE Business Magazines from SynapseConnect may be available. No credit card required. No purchase necessary. Others pay for these publications but you may qualify to receive them FREE. Visitwww.mybonuscenler.coMhee to identify yourself as a Chase Cardmember by 01/01/09 Did you know you can use your credit card to access cash whenever you need ii? All you need is your PI N (Personal Identification Number) and an ATM. Just call 1 X00-2974970 to create your PlN today. This Statement is a Facsimile -Not an original 0000001 FIa33335 C 3 000 N Z 2e 08/1128 Page 1 al3 OOOa2 MA HIA 50544 3331000003000505L401 x INSI 2869 12 of 57 Address Change Request Please provide information below only tl the adtlress information on from is incortect. Street Address: _ _______________ City: -- Stale: -_ Zip: Home Phone: Work Phone: E-mail Adoress. L Intormatba Aboat Yor Account Lod or Stolen Card¢ Please report your bst or stolen card immediakly by railing me Customer Service number found on Ne front of your statement ~ Advisors are always availabe to assist you. Yau on reach an AMisor Cy ~ pressing Oafkr you antic your aceount number. ® Crediting d Paymer4: For payments fry rogWar 115. mail, send at least your - minimum payment due to our post office box designatetl for payments shown on this satement. Vour paymenLS by mall must compy wlm the Inslmc0ons on this statement. and must M made q' check or money order. payable N U.S Dollars, and drawn on or payable through a U.S. finanda instltubon or s the U.S. branch o1 a lorafgn finandal institution. Do not send cash. Write your account number en your Merit or money order. Payments must be accompanied 6y the payment coupon in the envelope provided :riN our ~ address visiNe through th envelope rrindav; mx envelope cannot contain more Than one payment or coupon; and there cen be no staples, paper dips. tape or correspondence included with your payment. It your payment is in accordance •:dm our payment instructions antl is made available to us on any day except December 25 by 1:00 p.m. bcal time at our post office baz desgnated For payments on this statement. rrc :vii credit the payment to your account as of Nat dale. IF your payment is in accoMance r+ith our payment inswcbons, but is made evadable to us after 1:00 p.m. local rime at our post office box designated for payments on Nis sWkment can will credit rt to your account as of the next day. If you do not follaa our payment instrucaons or iF your payment is not sent by regular U.$. mail ro our post office box designated forpayments, croditing of yourpayment may 6e tlelayed for up to 5 days. Payments made ekaronicely mrough our automated tlephone service. Customer Service advisors, or our .vah sik Will be subject to airy processing times disclosed for (hose payments. Aaoud labrmation Re~orled to Credit Bareaue: We may report informakm about your acoount N credit bureaus. Leta paymenb, missed payments or other defaults on your account may 6e rofiected W your credit report IF you Nink .ve have reported inaccurok information to a credit bu coati. you may tvrne to us at the Cardmemlrr Service address listed on your bitling statement. Notice About Eecronic Check Conversion: YYhen you provide a check as payment. you aumodze us either to use intonnation from your check ro make acne-time electronic Nnd [caustic iron your account or N process Ne payment as a check transaction When :•+e use inlormation from your check to make an electronic fund transkr, Nnds may be ndhdratm from your account as soon as the same day we roceive your payment, and you will not receive your shed bark from your finandal institution. CaN the a+stomer service number on Nis statemem if you hate question about elearonic shade collecfim or do nM want your paymen0 collected eketroniceNy Condltl coal PapmeMS: Any payment chadt or other bon of payment that you send us for less than Ne NII balance due Nat is marked 'paid in lull" or contains a simikr notation, a that you omarwise tender in lull satislaction of a AisputxA amount: must le sent N CaN Services, P0. box 15079, Wilmington. DE 19850-5049. We roxrve all our rights regarding Nese payments i e.g., N it is determined men: Ls tip valid dispute or if arty stint check is receiveA al any omen atldross.:n may accept me chedt and you sill son owe any remaining balance). We maY roNse to accept arty such payment by taro ming it to you, not cashing it a destroying it. All Omar payments Nat you make should oe sent ro me appmpria[e payment address. Annual Renewal Noflce: If your account has nn annual tea, It WI L>z billed enrh year ar in monthly installments. wheNxr or not you use your ac~unt, and you agree to Day d when billed. The annual lee is rwn-rofundabk unless you notlty us ma[ you wish to close your acceunt within 30 dabs of the date wa mail your statement on which ma annual Face is rharyea and at me some rime. you pay your outstanding balance in lull. You r payment of Ne annual lee does not after,[ our rights to dosx your account and to lirni[your right to make tmnsartions on your account. If your arraunt b closxd trf you or us, the vAll conunuc to charge the annual fee until you pay your outstanding baance in full and temtinatx your aravunt relationship. EzNlaadioa of Fiance Charyea: We caladak periodic finance Merges, using the appgwbla periodic rates sham on Nis statement, separatery for each leatum (e.p., balance transfer/convanienw checks and ash advanw rhxdcs ("shack Iransac[lon"), purdlasxs, balance transfers, xsh advances, promotional balances or overtlraft advances). Please consult ywr Cardmember Apreemem for ste feaarres that are appkcable to your card. These calruk0ans may xmbine different ~xtegodes wlm ma soma ddy parloAlc rotes. If merx Is a "V" next to a pedotllr, mta on this statement mat rata may vary, and the rode: and margin used to daNrmina Nat raps and its rorresponAinp APR era descdhtd in your Gnrdmxmber Ay reement, as amended. Thera is a minimum finance Marge in arty billing yrle in which yar one arty periodic finance Merges- and a transacaon finance charge for eaM balance transfer, cash advance, m ctra ck Imnsartlon, In ma amounts stated in your Cardrnember Aprxxma tit, as amended. To pxt ma dally balance for aadi day of the current billingq tyda, we take me taplnning baance For aarh ieaturo, add any now t ransac8ons or other debits (Including faxs, unpaid flnanre charges and omxr charpxs), strblmct arty payments or rradns, and make omar adjustmxnts. Transadims are addxd as of Na trananefion A.i[a, the bxginning of ma Dilling ryde in which may are postal to your account. Or a lard! data of our drolce (except Nat chadr transactions era added as of me bile dapositad by the payee ore later dale of our choice). Fees era added eimer on me dale of a alabtl trxtsactldn, the date Ney era posteA to your account, or me last day of Ne billing ryck. This gives us Nat days deity belanx. A credit hnlan ca is treated as a balance of rcro. If a daily periodic rate applies to dry IeaNro, cm muaipy Me daffy balance by Na dally f>zdoAlc rate to ye[ you pedoAlc flounce charges for that day. We Nan aAd these pauodk: finance Margas to your tlairy balance to get me beginning balance For [he next day. !IF moro than one dairy periodic rote could apply based on me average dal balance, we writ use the day periodic rote that apdixs for me average Aai balanrx amount al the end of the bilNnyryclx to calculak the deify periodic finance charge each day.} To get your total periodic finance Marge For a bilfinq qde when a daily pperiodic rate(s) apples, We add all of the daffy periodic finance charges for all katures To determine an average daily balance, r+e add your daily balances and divide W the number of Ne days in ma apperabb billing griefs). IF you multiply the average daily balance fa each feaWro by Na applicable daily parodic rate, and men multiply each of these results by the number of days in the applicable billirq gdeisi, antl then add all of the recalls together the total will also equal Ne periodic finance charges Nr the billing cycle, ezcept for minor vartatbns due to rounding. To get your total periodic finance charge fora 6Nling cycle when a moony periodic ratisi apDFes, multiply the average day balance for each kaNra by the cepplicebb monmy periodic rata and add the rxsiilts together. Tha total will xqual Iha perioAic inanre dtaryes forme billing cycle, except br minor vadabon due to rounding. Grse Period fat lead 20 days): We accrue periodic Finance Marpas on a transaction, lee, or finance Marge hom Ne dale it is added to your daily balance uMA payment M tuN is roceived m your acaounl. However, :ve do not charge periode finance: charges on new purchases billed dudrq a Dilling ryde if tie roceive boN paym eM of your New Balance on your Curren t statement by Ne date and time your payment ¢ due and also Dayment of you r Ner+ Balance on your previous sbtament by the date and time your payment uas due. There is no grad PPeriod for balance Ironskrs, msh advances, Meck 12rrsaCtiOnS, Or Ovardfan edvanCBS. b addition. it mare is a "Qualifying Promotional Financing' section on this statement you will not inwr periodic finance Merges on arty Remaining &nlanra thM appears in That section if you pay thit balarax in toll by Na applicable Expiration Dot Harrcver, A you defaun under Ne terms of your Cardmember Agreement or any OualAying Promotional Financing offer. me appicaWe pedodie finanx charges v+Nl accue m any Remaining Balanrx as soon as the binirrg cycle in vrhkh me delaW[ occurs. a avoid finance charges on new purchases When your Na:v Balance includes any Remaining Balanceisj in me DuaNfying Promotional Fnancing section, pat your full Ner+ Balance minus the total of Nose Remakrinp Balances; 6y Na dale and time your payment is due. However. 'd your stalemen[ shows that a minimum payment ¢ due, we must roceive at least Nat minimum payment by the date and ome spedhed on your statement. oven it your Ne:•r 8aance consists onty of Dualifyinq Promotional financing balances. For `deferred inkresl" QualAying Promoamal Financing- periodic fnance Merges acerua dicing the promotional period but are not ndded to your account balance. Instead. may accumulate hom billing cycle b billing cycle. If a dekmed interest QuaAying Promotional Finandnp balance is no[ paid in hAl by ma applicable Expiration Date, the deferred finance charges wtll Lu added ro your account as soon as Ne lrst day after the Expiration Dak. Further: iF you defailt untlarme farms of yarr Cardmambar Agraamant, Na dale rred finance charges trill be addxd to your account as soon as me date of dehun. For'ilxed paymxnt' Duallh,+ing Pramdtlmnl Flnandng that penults yar to pe}~ fora purchase In a deslgrekd number of payments. you vAll not have a grace period for Nat hnlanoe as each a'rymxnl inr.IuAes a portion of tfra interest otveA over thx rapaymant term br mat purchnse. Hdl'+e•Rr, you will have a grace period on Omer nary purchases as desedbed above. BILLING R1GHiS SUMNWNY la Cau of Errors or 0 aealiorrs ADoul Torn Bill: If you mink your bill is :wrong, or If you need more information about a transaction on your bIII. ivAte Cardmember Service on a separak shat at P.O. Box 15299 Wilmington, DE 1985?-5299 as soon as possible. We must hear From ya no titer man GD days anor tva sent yeti me first bill on which me anor or problem appeared. You ran Nkphone us, but doing sc will oat prrserve your rights. In your letter, give us me foilpwinp informafion. • Your name and aa:punt numL•er • Tha dollar mnount of the suspected anor • Describe Ne error and axDlan, if you can, why yar believe Nera is an error. If you need more info rmafion. tlescdbe me item you are unwm about. You tlona have to pay any amount a quesdon t•+hik rn are investigaang, but you ere still obige[ed to pay mx DarLS of your bltl Nat n2 not in quxstion. While tre Irwesflgate your questl on, we cannot mport you as degnquent or take action tp colleIX me ameuM you question. II you have authorized us to pay your crodit unrd brit aummatlcalty from your atvings or checking aurount. you can stop the payment on airy amount you mink is wrong To stop Na payment your letter or call !using ma Cardmembar Service address or lelaphona number shown on this statamanq must renrh us at least mrea business days belore Nx automatic payment Is schxdukd to ocalr. S~edal Rak: for CredH CaM Pumkauc II you have a problem :vAh Ne quality of goods orservices mat you purchaud win a credit cerd iezdudinq pumhases made wnh a check), and you have 1tleA fn good lanh to coned the problem rdN [he memhant, you may not have to pay me remaining amount due on the goods or services. You have Na prokction ony when Ne purchase price was mom man S50 and ma wrdrasa was made In yourhomx state or Within 100 miles of your mailing address. These limitations da not appy if we ono or operate Ihu march an[. or it we mailed you Ne advafgsxmenl for me p roDery or services. auromoe 13 of 57 Use these Cash Advance Checks* for Extra Cash or Purchases. These checks are a erect cvay to utilize your credit card account and can he used wherever personal checks are accepted. C'.arry this check with you, so you'll be prepared for any expense. • Make a check out to yourself and deposit it into yoiu checkine account so you'll have extra cash when you need it. • Use a check for emergencies, everyday expenses, large bills dike home or caz repairs, or when you can't use your credit card. • You can write these checks for any aanaunt - up to the unused portion of your cash access line. Just make sure you have enough available credit far the transaction{s:l, interest; and any related fees. Access ,your Cash Line Instantlp'*'~ You can always Access Cash Now through automated teller machines {ATMs j worldwide when you use yanr credit card and your PIN. Don't Gave a PiN -call 1-$00-297-A970 and select your PIN no~~,•. • aD:rily wd tran: ~icrion sy~nm and ATM limits :amply. !Addiric>o.'<1 ATM fees nuy~ :yapty. MKT72339 Must post m ywv scconet by the parlttg da(eA+otd dote of OTl17/Z0091a get the APR stated (w yorr ~n 0 a`3 U !F A ~ 6 a`S Z V f; , ~~ ~~ .~K .IF ~ Q~~ DANIEL HAUSER 633 HERITAGE C7 MECHANICSBU RG PA 1 70 50-1 85 7 DAr~ 5850 999 56-155 U441 PAY To Tyre. DxDm Or Void Void Void Void Vo~d.~ Txis DOCVtffli7 CCMA]NS AN AXrIIROAL WA]PRMARR, ABSFN~OE TH3$PF~1]VPP WII-[.IIiIaU'IEA CpPY P ayade Ihrouah: FIrA USA Oalarrare, OH 13015 N19 MPMO SIGNATIAE n:044115511E:337117579252^71f•585^ Mus(post b ywv aesww/ b) 0¢ portitg daL/•oId do4 oJ0TR7l1009 b gd /he APR staled G yorr DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1657 Dwra 5851 999 56-155 U441 PwY To Tt¢? OADFA OF Void Void Void Void Vow Tens Docunmar carrwaNS AN wxtgtaAL wwTexrdAnx, wasFSt~ oETxas FeAruare m[i-g+D1GKtEw covx Payade IM[Ap h: FrtS USA, DNaware, OH 43015 xw IvfErao SlGrawntne E:044ii55iLF; 337ii75792520711'S85L 'IMPORTANT INFORMATION: The use ofthe anadled checklsi a dranesl :rill conslyule a chxge agaust wur cmdB account. APR: Your APR for the ana~!ed checkssi s Ihz standard tale for Cash Advance Chz,ks m Tour aaxtnnt. inroecyon Fee Fir®nce Charyes: Please see your Cardmemher Agreement Mr amt applkabk traasadion foes. RiEM la Dedine: II chedrs are pad of this offer, checMs ttal post atm die mid date disdased Or Ihat are made pa able to usor one of ar reWed banks or axnpanies•.dll to dadined. Under certain circumstarces i.1or examplx: y your axoum s past dlle a over Nmn, or if wa reasonabry belie.e that you e.411 to unable or umrillim to reps) the 6alaaz or as dcscrtred in your Cardmember AgreameMl, •,•.re may decline to Dra:es your transad'an, in which case ycu a.•dl he notyied. Paymed Alloation: We may allaate payments fo balatxsl;ilh tart ARIs irrk~dinp balanxswilh inlrodudory and promoyorel APRsi belore appyim payments to higher APR [dances. This means that any promotional period dirlosed M yon mry lti slgrter baud on your payment amoumsand APRs on other lalances. Delaun: Anq intoduaar;, promotbmal, or standard APRs are mntingam on your aompykrp wish Ih terms olyoa arnrmt. for example, it wur pa)mem to us 8 nm reczi?ed t,~ the d~a aM tlmt your payment is dot; it your arcauM is o:•trlunil; a i(a payment fo us is nd honorzd try your t»nk, the Irdtod'uctory, promotiorel, a sfandard APR offers may end and the APRs an all balanzs and new transaclbnson your accoum wile ad)ust to the applrade nle and become etlegi+e as of the first da; of the bitlinp qde in which the delauh occurs. Graze Perini: A grace period will na apph/ to transactions from this ofkr. Cerdmember AlreemeM: For fuAher ddails about farms or condnions on yaur cocoon[, please rekr to your Cardmember Agreement. Dther Items: M your crzdh hne jcredp access licelravdving credt lice fa Visa SipnaNrzWakl MasterCard aawunls) or cash aaass lint, wh'rh ma; appear wAhin, is ketered for anq reason since the time your account was sel¢Ged for th's otter, n mold atkd the available aedR m yaur account and your abiiN, to take ad~amage of this otter II you pay am disputed amouMS, you may lose your right to dispete them. This oRar rs na !slid if gour aaroum has been canvaded to env other pradud Npe, such as ro a hom a `m brand- a other `re•.ards` acceuM li applicable; ony checks that •rn issue fa your acmu~d are :slid Checks tran this ofkr deDasded into goer bank arcoun[ aI am' bank lindudinp any of our Oanksi ma be subjea too delay in the avaiaMlny of case htMs. Chaks used to guess gour account must h preuntedto us m paper tam. I~acheck is presented to us elearonical~•, we may na tti aMe to accept n due to certain deck processing ruleswe must adhere W. DSC72ad3 14 of 57 o - ~ s ~ ~~ ~~ ~ 'P 9 E C m q O O FCMf O n YO p W O Z ~~~y 15 of 57 Statement for account number: a266 eayi isle 2szo New Balance Payment Due Date Past Due Amoum Minimum Payment CHASE $10,116.20 ovl7ros $0 00 $217.00 . Make your cheek payaWeto: Chax Card Services. Please write amount enclosetl. New address ar a-mail? Prine on bade. 42668411757925200DD217D001D11620000DDDD ~eeeosoczaawsc Irrrlllrirrlrrlrlrrlrrlirrrlrl.rrrll.l.lr.rllrrl.lrrrllrrlirrl DANIEL HAUSER 633 HERffAGE CT CARDMEMBER SERVICE MECHANICSBURG PA 17050-1857 PO BOX 15153 WILMINGTON DE 19886-5153 Ir,rIIIrIrIllrrrrlrlrHrrr..rllirrlrrlrlrlr.Il.rllrr.ll.llrrll 1:5000 L6^ 281: 203 L L7579 2520411' ~~~ ~ AMERICAN OpeninglClosing Date: Payrnern Due Date: 1 V29ro8 - 12/28/08 CUSTOMER SERVICE 01/17/09 I U S 1 (~• XFNNFl Club Minimum Payment Due: n . . -888-305-4016 - $217.00 Espaf501 1-888-446-3308 TDD 1-800-955-6060 Pay by phone 1-800-436-7958 Outside US. call collect 1-302-594-6200 PISA ACCOUNT SUMMARY Account Number : 4266 9411 7579 2520 Previous Balance 700.67 Total Credit Line $9 000 ACCOUNT INQUIRIES $11 Payment, Credits , -$225.00 Available Credit , $863 P.O. Box 15298 Purchases, Cash, Dedts +$524.22 Cash Access Urte $2,200 Wilmington, DE 19850-5288 Finance Charges x$116.31 Available for Cash $863 ppyMENi ADDRESS New Balance $10,116.20 P.O. Box 15153 _ Wilmington, DE 19886-5153 VISIT US AT: www. chase.cort/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp Average Daily Due 7o Transaction Acarmulated FINANCE Category 30 days in cyde APR Balance Periodic Rate Fee Fn Charge CNARG ES Purtltases .03833% 7399% $4,236.00 $48.71 $0.00 $0.00 $48.71 Cash advances V 05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance trartster .03833 % 13.99 % $5,878.89 $67.60 $0.00 $0.00 $67.60 Total finance charges $116.31 Efledive Annual Perxptage Rate (APR): Y3.99% Please see Information About Vour Account sec4on for balance wmputation method, grace period, and other importarn intormalion The Cortesponding APR is the rate o1 interest you pay when you carry a balance on any transadion category. The Effective APR represents your total finance charges - including trensaction tees such as cash advance and balance transfer tees -expressed as a percernage. IMPORTANT NEWS Make the days merry 6 bright with holiday gifts tram 1-800- 1lowerscom(r)!Save15% on your purchase of fresh flowers, gift baskets, chocolates and more when you identify yourself as a chase cardmember and mention code chase22. For details please visit www.180aflowers.comldisdaimer Guard >tgainst itlentity theft and manage your credit information with Chase Identity Protedion. Get access io your credit report and score, daily monitoring o1 your credit tiles, timely alerts end more. To purchase, call 1-888-717-7534 or visit www. dtaseidprotec[ion.wm. This Statement is a Facsimile -Not an original 00000()1 FIS33335 C3 000 N Z 28 Can 22a Pagel d3 00002 MAMA 76960 36310000030007e9~0f R 8 of 57 Trans . Amourn Date Reference Number Merdtant Name or Transaction Description Credit Debit Atldress Change Request Please provide inlormaaon below only it the address information on front is incorrect. Street Address: _ ___________ City: State: Zp_ ---- Roma Phone: __- - Work Phone: ___ E-mail Address L Intormatba Abod TOar Aewurd Lod or Stolen Cards Please report your lost or stolen card immediately by calling the Cuslaner Service number found on me Iront of your statement Advisors am al•nays available to azsi s[ you. You can reach an Advisor by pressing 0after you enter youraceount numtx:r ° Creditiq of Payrrrreh: For payments by regular U.S. mail, send at kaslyour minimum payment due to our post office box designafetl for paymantsshawn i~ on this statement Your payments by mAll must comDN with Ne Instmcaons - on this statement, and must M made by check or money order. payable in U.S Dollars. and drawn on or payable through a U.S. financial institution or ® ate U.S. branch of a lowign Flnandal instltutlon. Do not send crash. Write your ;~ account number on your check or money order. Payments must be accempanied by me payment coupon in the envelope provided wiN our ~ edd2ss visiNe Nronph the envelope vAndow; the Bnvalope cannot contain more than ono payment or coupon; anO there ran be no staples, paper dips. tape ar correspondence included vviN your paymem. II your payment is ro accordance with ou r payment instrurtionsand is made available to us on amr day except December 25 bg 7:00 p.m. local ame at our post office box designated For payments on mis stakment.:ve •aip credit the payment to your account as of [hat day. If your payment is in accordance wiN our payment instmctions, but is made avaitade to us after 1:00 p.m. local time at our past omce box designated farpaymenfs m this statement we will credit R to your accoum as of the nett day. Ifyyou do oat lollow our payment insW ctions or if your payment is no[ sent by regular U.S. mail to our poll office box designated to r payments, crediting of your payment may he delayed for up h 5 days. Payments made akctroniraly Nrough our automated telephone service. Customer Service advisers, or our crab site will M whlect to arty processing Lanes disclosed for Nosx payments. Aeceud IabrmaBon Rgorld k Credit Bareaua: We may reporlinionnatim about your account [o credit bureaus. Leta payments, missed payments or other defaults on your aarount may be reflected in your credit report IF you mink wa have reported inaccuah information to a credit bureau. you may wrke to us at the Cartlmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment you aumorize us either to use inlormation Irom your check [o make aone-tlma alaclronic Pond transfer from your account or k process ma payment az a shed transacaan. Wnen rrc use inlormation from your check to make an electronic fund transfer funds may be whhdravvn from your acdount az soon az the same day we receive your Payment, and you will oat receive your shed bad from your finandal insbtution. CaN the uasromer service number on mis statement it you haw questions about electronic shed collection or do not want your payments cellecled ekcnonically Condltloral Papmerds: Any peyrnent shade or other form of payment Na[you send us for less than Ne full balance due mat is marked 'paid in bit" or contains a simikr notation, or that you otharwisa tender in fWl satisfaction of a disDUted nmount must to can[ [o CArd Services, P.Q Box 15019, Wilmington. DE 79630-5049. We reserve all our rights regarding these payments i e.g., a it is determined mere is no valid dispute or if arty wM shed is received at any Omer address, : e may accept the shed and you will still one arty ramainmg balance). We may rePose to acceDl any suM payment by returning i[ to you, riot cashing it a destroying it All omar payments that you make should M sent to Ne appropriate payment address. Mnual Renewal Noau: If your account has An Annual led, It will M bllkd aaM year or in monthly insalhnenk. wheNar or not you use your account and you agree to pay u when bdkd. The annual he is non-refundable unless you notly us that you vrish to close your auxunt within 30 days o1 the dale we mall you r statement on whkh Na annual face is charged And at the same ame. you pay your outstanding balance in full. You r payment of me annual lee does not afiert our dphts to dose your Account and [o Ihnityour tlpht to make transactlons on your account. If you r account k closed fy you or us, the x111 continue to charge me annual fee unfit you pay your outstan mug baance in full and terminate you r Amount relationship. FS70 adka M Flrurtce Charge:: We cAladate pa dodic finance dlarges, uslnp Ne aDDliceble perbdic roles sham on this sktemant separatery for aAM featuN (e.p., Mlanca transfer/convBnienw dtecks and ash advanDe chzdes ("shack Iansaction"), Durdtasas, balance transfers, Dash atlvtmces, promotional balances or owrtlrafl advances). Please consult your Cardmember Agreement for Ne features that are applicable to your Dard. Thane calruktlons may vombine different ralegodes wIN the soma dnlry Dddotlk: rAteS. If Nef2 13 8 "V' neXl i0 8 petlotllr, raid On Nl3 SlAldmant mat rata may vary; and ate index and margin used to dekrmine Nat rah and its ronespondinp APR era dazcriMd in your CArdmamber Ayreemen[. as amended. fie re Is a minimum finvtw Marge in ary billing cyrk In which you one any periodic finance Merges. and a Vansaction Finance charge kr eaM Mlanca Iransler, cash atlvancd, or shack iransartlon, in Na amounts stated In your Cardmember Agreement as amentled. To pat Na daily Mknce for eaM day of the current billingg cycle, vre take Ne baplnning balance for each texture, add any now transartlons or other dablts (Indudlnp fads, unpaid Ananre Merges and other charyxs), strbtmct Any prymldnts ar credits. and make oNar Adprsbnanls. Transacums areaddad as of Na transaction tlnk, the beginning of Na billing cycle in which may are posted to your account. or a later data of our Moice (BxceDt NAt shad tmnSabadnS acct added As d Na da1B ddpOSlidd by [ha pAYBe Or a IalBr dAIB Df our choice). Fees are added either on the date of a related Iransaraen. the dale Ney rare posted to your account or the last day of Ne hilling cycle. This gives us mat days defy Mlan,s. A credit Mlanca is Vaated as a balAnce d zam. It a daily periodic rata applies [D ary feature, rm muniply me daily balance by Ne dally pdrlotllr, mk to get you perlodlc finance Merges for That day. We titan add Mesa padodic Imance charges to your tlairy telAnce to yet Ne beglnnlnp balance for the next day. !If more than one dairy periodic rata could apply based on the average defyy balance, we :rill use the daily penodie rah that aDdies for the Average dotty balance amamt at Ne end of the billing eydt to ealarlate the daily periodic f nonce charge each day.) To gat your total periodic finance charge for a billing cycle nlren a daily peredic raters) apples, we add all of the dairy periodic finance Merges for all katures To determine an average daily balance, :w add your daily balances and divide by are number of me days in ate applicable billing cydeis}. if you mulapty the average daily balance for each feature by Ne applicabb daily parodic rata, and Nan multl ply eaM of these results by the number of days in Ne applicable billing tydeisi, and then add all of the rewlis together. Ne ktal will also equal ate periodic finance charges roc Ne bilknq gcle, except Idr minor vadetbns due to rounding. TD get your ktat padodlc finance charge kr a bNling. tyde when a monmly penodie rateisi applies, multiply me average daily balance for eaM feature by the cep liceble monNty penodie rate and add the rdsults together. Tha total will aquaPNa periodic finance dlarges krme billktg Lytle, except for minor variations duo to rounding. Gran Period (at lead 20 &ya): We accme penodie Finance charges m a iansacaon. Fee. or finance Marge from Ne dale it is added tD your daily balance uMk payment in tuN is received rn youraccounl. However, :w do not charge periodic finance charges on new purMases bilbtl during a balirg cycle if vre receive hoN payment of your New Helena 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 Nma your payment was duo There i5 no grace period for baance transfers, rash advances, Meck iransactlons, or overdraft advances. k addition. if there is a `Qualiyinp Promotional Financing' section on this statement yeu will not friar penodie finance Merges on any Remaining &Nanw tMt aDPears in That section it you pay [hat bAlArtw let toll by Na applicable Expi2tion Date. However, a you defaun under the terms of your Cardmember Agreement or any Oual eying Pmmotlanal Financing offer. Ne appliatble periodic finanx charges will accme m anyy Remaining Balance as soon az as bilhnq uytla in which Ne defaW[ axprs. To avoid finance charges on now purchases when your Nex Helena includes any Remakting Balanceisi in ma Oualilying Promaaonal Rnancing secacn, pay your full Ne:r Balance minus the totall of moss Remaining 8alahce!sj by me date and ame your paymerd is due. Harrever. rf your statement shows that a minimum payrrlent rs due, we must receive a[ leas[ mat minimum payment M the date and time spedfied on your statement. even it your New Balance consists only of Qualifying Promotional Financing balances. For `dekned interest" Qualifying Pramoeanal Finandng. periodic fmance Merges accrue dtrdnp the prornoaonal petlod but are not added to your account balance. Instead. they acu>lmulate from billing cycle b baling cycle. If a dbeykned interest WaUfying Promotional Financng balance is not paid in hdl d the applicahk Fxpirabon Date, the dafermd finance Merges wdl ba added to yow account as soon az Ne firs[ day otter the Expiration Date. Further, If you defudt under Ne [arms of your Cardmambar Agreement Na deferred finance charges vhll M added to your aaount as soon as Ne date of detautt. For'Ylxed DaymanC Qualifnng Promallonal Fhandng that penults yet to pa;• k r a pumhax In a dell gnakd number of payments. you vrlll not haw a g race period for [ha[ MLtnce as each I>.rymant includes a potion of the intarazt owed over the rapaymant lane for Thal purchASe. HOWa!Rr you !?ill haw A grace period on other now purchases as descdbed abova- BILLING RIGHTS SUNMARY Ir Caze of Emors or Oaesliorrc Abort Yorr Bill: If you minkyourbill is :wrong, or if you need more informallon about a transaction on your bill. write Cardmember Service on a separate Shen[ at P.o. Box 13299 WAmington, DE t ~3~?-3299 as soon as passible. We must hear from ya no later than 00 days attar wa sent you the first bill on which Ne error or problem appeared. You ran htephate us, but doing sD sill no[ preserve your rights. In your latter, give us the following inlormaaon. • Your name and aa:cunt number •Tha dollar amount of the atsDertad error • DesenM NB error and explain, ifyou an, why you below theca is an error. If you need more kfortnaaon describe the item you are unsure about. You do not have k pay any amount in question while ^x are investigating, but You are sail obligated to pay the Darts of your bill Nat are not in question. While :•re Inwsagate your questlon, we cannot report you as delinquent or take action to collect the amount you questl on. Ilyou haw au Moriad us k pat your,:redit card bill nrrkmaticalty from your savings or Meckiny Au;ount. you can stop [he payment on arty arnounl you think is wrong To slop Na payment. your kaer or call !using the Cardmember Service address or lelaphona number shown on Nis shtamanQ must ranch us at leas[ Nrea business days belorx Ne AukmAtk payment is scheduled to Draw r. SNedal Rrk for Greece Card Prrrraasec If you haw a problem with Ne quality of goods ar services ma[you purMased niN a credit cartl iezduding purchases made wkh a Meck), end you have bled In good faith to correct Ne problem wiN Ne merchant, you may riot have k pay me remaining amount due on the goods or services- You have Nis protection Doty when Ne purchase Drive was more Nan S30 and Nx purMasa was made in your home stale or wimin 100 miles of your mailing address. These limitations do not apply if wa ovm or operate the marMan[. or if wa mailed you Ne adwrt152men1 fDr Ne property of servlc25. fM03D] W 9 of 57 Use these Cash Advance Checks* for Extra Cash or Purchases. These checks are a et-eat way to utilize your credit card accowst and can he used wherever personal checks are accepted. Garry this check with you, so you'll be prepared for any expease. • Make a check out to yourself and deposit it into your checkin_4 account so you'll have extra cash when you need it. • Use a check for"emergencies, everyday expenses, large bills like home or caz repairs, or when you can't use your credit card. • You can write these checks for any atnonnt -'aP to the unused portion of your cash access line. lust make sure you hate enoueh available credit for the transaction(sj, interest; and any related fees. Access your Cash Line Instantly** You can always Access Cash Now through automated teller lnachiues (ATMs j worldwide when you use your credit card and your PIN. Don't have a PiN -call t-1300-297-4970 and select your PiN nary. * •D<aily anal trap: ~wtiun syStenl and ATM tvaaits apply. Addiriomil ATM fees nu~y apply. MKT72~Z5 Mus[Posl b roar accauri by /Ae por[brg daleNold dale of022N2n09 b get the APR s[mad k row 0 `~ U I H Q~Q Q ~ a G yz U ~I ~~ . I F p~p Q ~ Q DANIEL HAUSER 633 HERITAGE CT MECHANICSBU RG PA 17050-1857 DArt 6030 999 56-1551/441 PAY To TIC OADEA OF Void Void Void Void Vo~dA~ Tans DOCGhfENT CONTAINS AN ARTIFICIAL WA'IPAMARA, ABSENCE OP TrnS FEATURE WIILIISDIU'IE A COPY Parade lhiough: Frst USA, D•laarare, OH 63015 ~f19 MPMO $]GNATURE t:044ii55i1a:337ii7 579 2 5 20 7tt'6030 Must pos! b ywv acrasrni by Res posrirrg dale void datr of02/1N2009 b gA [he APR s[aKd an yor DANIEL HAUSE R 633 HERITAGE CT MECHANICSBURG PA 17050-1657 DAra 6031 999 56-1551/441 PwY To TIC ~I OADEA OF Void Void Void Void Vo~dAR1 Tws DOCUI.¢-N'1' CON'FA1NS AN ARTIFIC]AL W AT@tMAAIC, A8IFNCE OP T}D.S FEATURE WIIL]ND1U7E A COPY Parade 1hrplp h: First USA, Delaware, OH 43015 7~ 1vIFhIO $IGNATURE t:^44ii5511F:337ii7579252^71t•6^3L 'IMPOflTANT INFORk711TI0N: The use othhe attached checks; a datrsl trill mnstitme a charge agairat your credo account. APR: Your APR for the atlactled che;k~si is the standard rata Ia ash AA,ance Chicks on lour account. Treratectian Fce Firrenee Chrges: Please see;rour Cadmember Agreement for ami applicable transaction fees. flight to Decline: II chedes are part of fh's offer, checks flat post aNer the wid dale d'sdosed or that are made parable to us or one of ar rekGed hanks ar canpancs;rill be declined. Under certain cimumslames ibr examplz, g your arount's past dctz a over IimR. Er d!re reasonable! belie•,athat you vvll be unatk or um~illim to repay the babnce or as descrbed in your fardmemtier Agreementl,lye may decline fo process yourtransadion, inwhichcase you roll be notgied. Paymed Allemlion: We may allaale payments to baknas!•,ith la;~ ANls i.irrludlnp balanms with inlrodudory and pmmaliowl APBsj belore appyim payments to higher APR [dances. This means Ihal any promotional penod disclosed to pu may tz slgRer toned on your payment amounts and APRs on other balances. DeWuh: Am,~ inhodudar;. promNbrol, or stmdard APRs are ~nhnxnl on your wmpleyinp with the terms o1 your arnunt. For aampk. it wur payment to us s na rece'r?ed t,~ the data and gma your payment is door fl your account is warlimil; a i(a payment to us is not honored by yogi tank the introductory, promotiorel, a sandard APR oilers may end ant tlIe APRs an all balances and nrv transactbns an your aceoum will adtusf to the applrade rata and become dfedi+e as of the hrst day of the billing c;de in whkh the dehuh occurs. Craee Period: A gran period mill na apply to transactions Iran this ogler. Cardmemher Agreement: For further d~aiLs about terms or canditiaison your aaouM, please rekr fo your ardmember Agreement. Dthur Items: It your aed'd 1ne (aedil ar7xss linaravolving credt line kx Yxa SipnaNra~VTorN MasterCaN auounls) a cash axess lino,lvh'rh mry appear rughin, is lo!rered for am reason since the time your account gas selected fa the ofler, h mold ailed the available aedit on your acxount and your abiity to take ad2mage otthis offer. II you pay am disputed amounts, you may lase your right to dispute Them. This otter is not ualid it your account has been can~erbed to am other product type, such as to a from a 'w brand' a other `regards- axourR II applrahk; onH checks that r:e issue far your acwud are slid. Checks from this otter deposited mlo ~rour bank rcamt a[ any bank iindudingany dour Mnksy mr// be subject too de y m the aaaiabilRy of those goods Chocks used ro aaess your aruount must h presentadto us in paper tam. h a:heck s presented to us electroniplh,•. we rrey not be ante to arrept n dlle to certain check Drocessinp odes we must adhere to. osct2us 10 of 57 0 0 m Z ~ ~ a °a ~ R °w E °z c m 0 0 ~i r5i 0 n Tz o w E °z ~ 11 of 57 Statement for accourn number: azss sari 7579 zs20 Naw Balance Payment Due Date Past Due Amount Minimum Payment $losss.oa ovnros $o 00 $zz7.oo • Make your clxek payade to: Chax Card Servleea. Please write amount enclosed. New edtlress or e-med? Print on beds. 42668411757925200DD227DDD1D555D45767258 &1023 BIX Z 02(xle C DANIEL HAUSER 633 HERBAGE CT MECHANICSBURG PA 17050-1 8 57 CHASE ~ I want to purchase optional Chase Paymant Protector Ian. IYe read the Ben@tits 8 isclosures on back of Insen. CARDMEMBER SERVK:E PO BOX 15153 WILMINGTON DE 19886-5153 1:500D L6D 281: 2D 3 L L 7579 25 2D41f• AMERICAN Opening/Closing Date P t D D _ 12/29ro8 -01/26/08 CUSTOMER SERVICE / g C® - aymen ue ate: 02 17/09 In U.S. 1-888-305-4016 • KENNEL CUIB Minimum Payment Due' $227.00 Espaflol 1-688-446-3308 TDD 1-600-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 1-302-594-8200 4266 6411 7579 2520 Previous Balance 116.20 Total Credit Line $10 000 ACCOUNT INQUIRIES $11 Payment, Credits , -$220.00 Available Cfedil , $444 P.O. Box 15298 Wilmington DE 19850-5298 Purdlases, Cash, Dedts +$537.06 Cash Access Une , $2,200 Finance Charges +$121.78 Available for Cash $'t44 PAYMENT ADDRESS New Balance $10.555.04 P.O Box 15153 Wilmington, DE 1 98 86-515 3 VISIT US AT: www. dtase. i» rtycredit ca rds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To 7ransacnon Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rete Fee Fn Charge CHARGES PUfdlaSes 03833% 13.99% $4,362.19 $52.07 $0.00 $0.00 $52.07 Cash advances V 05271 % . 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Balance iransiar 03833% 13.98% $5,866.48 $69.71 $0.00 $0.00 $69.71 Total finance charges $121.78 Etledlve Annual Percentage Rate (APR): 13.99% Please see Information About Vour Account section for balance computation method, grace period, and other important intormauon The Conespo nding APR is the rate of interest you pay when you carry a balance on any transaction category The Ettectve APR represents your total finance charges -including transaction tees suds as cash advance and balance transfer lees -expressed as a percemage This Statement is a Facsimile -Not an original 0000001 FI533336 C 3 000 N Z 28 09/012e Pape 1 013 00092 MA MA 64023 02810000030006402301 R INS73596 4 of 57 Trans Amount Date Reterence Number Merdlant Name or Transadion Desaiplion Credo Debit Atldress Change Request Please provide ifdormalion bebw only it the address iniorrttation on from is incortect. Street Address: _ - __. City: state: Zp. Home Phone: Work Phone: E-mail Address: Inlomtatioe Ahoat 7ou Attourd lost or Stolen Cadc Please report your lost or stolen card immadiakly by calling Ne Customer Service number found on Ne front of your statement Advisors are always available ro assist you. You ran reach an Advisor by pressing 0 after you enter your accoun[number Gediling d Paymeah: For payments by regular LLS. mail, send aI kas[your minimum payment due to our post office box designated for payments shown on Nls statement Your payments by mall must comply wIN Nx Instmctians on this statement, and must be made by check or money order, payabb in t15. Dollars, and drawn on or payable through a U S. financial insrituton ar Ne U.S. brenrh of a lorafyn finandal institutor. Do riot send rash. Write your account number on your check or money order. Payments must De accompanied by Ne payment coupon in the envelope provided wiN our addmss visible Nrouph Ne anvel ope erndav; Nx envelope cannot contain more Nan one payment or coupon; and there can be no stapbs, paper dips. tape or correspmdence inclutletl niN your payment II your payment is ro accordance •wiN out payment atstrucrionsand is made available to us on am,~ day except December 25 by too p.m. kcal brae at our post office boz designaed For payments an Nis stalemem. sve :viY credit Ne payment to your account as of Nat day. IF your payment is in accordance :vilh our payment instructions, but is made avattade to us afkr 1:00 p.m. local lime at our post office box designated forpayments on this statement vre will cede )[ to your account as of rie next day. If you do not follar our payment instructors or iF your payment is not sent by regular US. mail ro our post office boz designated Ixrpaymanis, crediting of yourpayment may be tlelayed for up to 5 days. Paymenu made ekctronialM Nrough our automated telephone cervix. Customer Se ruice advisors, or our web site vvlll be subject to any processing times disdosed for rio5e payments. Aenud 6brmation Reported b Credit 6ereaue: We may report informakon about your account to credit bureaus. Lnia payments. missed payments or other defaults on your aceount may he reflected in your credit report If you Nink we have reported inacxrek information to a credi4 bu eau. you may cache to us at Ne Grdmemtrr Service address listed on your billing sblemen t. Notice About Ekdronic Check Conversions When you provide a check as payment you authorize us either to use information trorn your ehedr to make acne-time electronic fund transfer from your account or m process the payment az a check transaction. When :•x use information frrxn your check to make an elechonic fund transkc funds may d :vahdrawn Irom your account as soon as the same day we receive your payment, and you Trill not receive your check bade from your finandal institution. GII the wsbmer service number on Nis statemem it you have questions about electronic check collactim or do not want your payments collected electronicetly. Condltloeal Payrnerds: Any payment chadt or other loon of payment Nat Y~' send us for less Nan the full balance due Nat is marked `paid in lull' or contains a similar notation, or that you otharvrisa tends r in full satisfaction of a disptAxd nmount, must Lv son[ m Grd Servixs. P.Q. Box 150.19, Wilmington. DE 19850-5049. YYe reserve all our rights regarding Ness payments ie.g., if it istletennined Nere le no valid tlispute or if arty cash Chad is rexived at any other address.:re may accept the cherdt and you :rill sdll owe arty remaining balance). Wt may refuse to accept any such payment by rata ming itlo you, not ashkg it or destroying it. All oNer payments Nat you make should be sent ro Ne appropriate payment address. Annual Reeewal Notice: II your account has an annual lea, It wYl bx billed ands year or in monthly InsDtllments; whether or not you use your account. and you agree to pay A when billed. The annual he is non-refundable unless you notlh/ us Nat you wish to close your account within 30 days of the date ere mail your s[atament on which Na annuN face is charged and at Ne same time. you pay your outstanding balance in full. You r payment of Ne annual tee does not affect our fights to dose your tier--cunt and to Iimityontr right to make trtmsartlons on your account. If gar acrnun[ Ace closed by you or us, vva vdll continue ro charge Ne annual ice unril you pay your outstanding baance in full and tenninata you acooun[relationship. Ex/laeatioe d Flprux Charger Wa alaAate periodic finance dtarges, using Ne apptlabk pariodk rates sham on Nis statement separately for aadt lealure (e.p., balanx transfer/sanvanienw dtacks and xsh advanx chxda ('check transaction"), pnfdlasxs, balance transfers, wash advances. promotional balanoxs or overdraft advances). Plzase consult your Grdmember Agreement for Ne features that are applicable to your card. These xlcuktlons may ambine different akgories wIN Na soma dally pxrlodi,; rates. If Nera Is a "lr' next to a pedodic, rek on Nls statamant, that rate may vary, and Ne index and margin used tc determine Nat rek and its r-orresponding APR era descrlbxd In your Cardmamber Ay reement, as amended. There is a minimum finanx charge In arty billing yrle In which you one any periodic finanx charges. and a transac4 on finanx charge for each balanra transfer ash advance, or dreek transarfion, In Na amounts stated in your Cardmember Apraxmxnl, as amen dad. To pet Nx dally balance for aadt day d [he rument 61111ny cyda, vie fake Ne bapinning balance for each texture, add any new tmnsac0ons or otfwr debits (Indudinp faces, unpaid finance charges and oNxr charpxs), ffitblred any PT/merits or rrxdhs, and make other adjustments. Transactions are added as of Na tansacton data, the beginning of Na billing qde in Which Ne/ are Dostad to your acrmmt, or a later data of ola dtoix (exaDt Net chadt trap sactlons era added as of Ne date daposibd by tlta payee or a later date of our choix). Fees are added either on the data of a reW[ed lransar,Don, the date Ney are posted to your accam4 or the last day of Ne b111Ing cycle. This gives us Nat days daily telanx. A credit Mlanca is emoted as a balance of arc. If a daily periodic rate applies to any feature; cre multiply the daily balanx fry the dally parloAlr, rate to get your pe rloAic finaruce charges for that day. We thin ode 0esa padotlic hrtance charges to your dairy baklnx to gel Ihs beglnnlnp balance for the next day. !If more Nan one daily periodic rare could aptly based on Ne avrrage daily balance, we Hill use the dairy periodic rate Nat aDdWs for Ne average dilly balance amount at Ne end of the billiny yclx to alculak the daYy periodic finance charge each day ) To fief your total periodic finance charge for a billing ryde when a daily permdic raters) applbs, :va add as of Ne d oily periodic finance drarges for all katures. To determine an avenge daily balance, :•re add your daily balances and divide by Ne number of ilea days in Na aDDliabb billing rydefsj. If you mulDpry Ne average daily balance Tor each kadre by Ne applicable daily periodic rate, and then muYidy eadl of Nese results by Na number of days in the appliceDk baling rydeisi, and Nen add all of Ne recalls together Ne total will also equal Ne periodic finanx charges for Ne bilYng ryde, ezcep[ for Inlnor variations due to rounding. Ta get your total periodic finanx charge far a baling ryde when a monhly periodic 2kisi applies, multiply Ne average daily balanx for each feature by Ne appliable monthy parodic ram and add the results together. Tha total will equal Na periodie finanx charges for[he baling ryde, except for minor variations due to rounding. Gran Period (al lead 20 doge): We accrue pedodic finanx charges on a trznsacDon, ha, or finance charge from the date it is added to your daily balance umd payment in Ntl is received an your aceount.~However, :ve do not dtarge periodicfinance charges on new purdtascs billed during a baling ryde if roe receive boN paymerK of your New Balance on your Curren t statement by the dal and time yourpayment k due and also payment ofyou r New Balance on your previous statement M• the tlate and fime your payment eras due. There is no grace pperiod for baance transfers, ash advances, check transacfions, or ovardrah advances. b addition. if riere is a "Qualifying Promotional Financing' secfion on this statement yeu eriM not inxr periodic finance charges on arty Remaining Balance the appears in That sacDon if you pay [tent balanx ri lull by Na apdiceble Expirabon Daae. However, it you defaun undo Ne terms of your Cardmember Agreement or any Qualirying Pmmotional Financing offer. Ne apdiade periodic finanx charges will accnne on any Remaining Balanx as soon as the bifling ryde in which rie detaul[ pears. To avoid finance charges on new purchases •vhen your Ne:v Balance indudas any Remaining Balanceisa in Ne Oualirying Promotional Financing secYon, pay your full Ne:•r Balance minus tlta total d Nose Remaining Balanx(s) 6y Ne date and time your payment is due. Na/rever. 'rf your statement sho:vs that a minimum payment is due, we must receive at least Nat minimum payment by the data and time spedhed on your sukment. even it your Nevi balanx consists only of Qualifying Promotional Financing balances. For 'dakrted inkresf Quaafying Promotional Financing. penodie finanx dtarges ocema during the pranotlonal period but are no[ added W your account balanx. Instead. Ney acarmulate from billing cycle to billing qde. If a deknad interest Qualifying Promobonal Financng balance is not geld in htq by Nx apdiabk Expirabon Date, the Aaferred finanx charges will to added ro your acxunt as soon u [he elect day after the Expiration Dak Further, If you defend[ under Ne terms d your Cardmambar Agraamant, Na deterred finanx charges vrill be addx d to yo ur acreunt as soon as Ne date of defauh. For `Ybred DaYmant' Quallfring Promotonal finandng that pennies yet [o pa;~ far a purchase In a designaed number of payments. you vAll not have a grace period for that baanx as each prrymxnt includes a portion of Nx interest awed aver Nx rapaymant farm for that purhase. Hmva~.2r, ycu will have n pray period on other Haw purchazes as described above. BILLING RIGHTS SUNNIARY le Caze of Emors or Qeesliort: Aheul Yora Bill: If you Nink your Dill is wrong, or if you need more information about a tansacdon on your bill. vrrite Cardmember Service on a separate sheet a[ P.O. Box 15299 Wilmington, DE 1 ~5D-5299 as soon as possible. We must hear From you no later Nan GD days attar vva sent you Ne first bill on vrhich Ne error or problem appeared. You ran telephone us, but doing so will no[ preserve your rights. In your IatNr, give us Ne follawinp infonnafion. • Your name and arstunt number • Tha dollaramount of 1ha wspertad error • Descrity Ne error and axpllln, if you an, why you believe Nera is an error. If you need more infortnatlon. describe Ne item you are unwre about. Yau do rid have [o p arty amount n questlon while rn are investigating, but you are still obYgabed to pay Na parts al your bill Nat era not in quasllon. While ere Investlgate gar questl m, we cannot report you as degnquent or take action to coped Ne amount you question. If you have wNorized us to pay your credit xrd bill auroma0cally from your savings or drecking ar,~rou nt. you can stop [tee payment on arty amoum you think is wrong. To stop Na payment your brier or all !usmq the Cardmember Service address or telaphona number shown on Nis statamanq must ranch us at least Nrea business days before Na auromatic gagman[ is schxduleA to oca r. Special flak for Credit Grd Pomhaser. II you have a problem :viN Ne quality of goods or services Na[you pumhaaed wiN a emdit cerd iaxduding purchases made wtth a check}, and you have tiled In good faith to comae Ne problem vviN Na memhan[, gar may not have [o pay Ne remaining amount due an the goods ar services. You boas Nis prokcnon arty When Ne purchase prix was more than S50 and Na purdiasa cans made M yourhoma state or :vithin 10o miles of your mailing address. These lira itations do not appy if we one or operate the march ant. or if we mailed you Ne advertisement for Ne Droperry or services. aummoe 5 of 57 V~ ~~ (Ilet~: Fixed aPR Use these Babece Yraasler checks to take d // (U~ , a vasfage of these super-bw rates today. for a limned durafnln • $we by hmsferring halmces from hgher-APR aromts. ~ O ~ • Wtite a check to yauset. • (io an o welFdeserved vaa6on. • Make home improvements. O * / ~'~ ( Fixed APR, These checks are ready b go. You can vrtite tflem for orry amount up ro the unused portion of your aedlt brie. lust make sure you hove eraugh ~ til b l un ance a woilabk credd fa the transaction(s), interest, and my telaled fees. • IS pCld In fU~ Ikn1 miss out -great rotes Ike this don't come around every day. 'Oleda met he paned h...nr acorn M h pmihnd dace an de shed<hj. 'S4a-Ingratnn Mumaful's4tlba fa num debit. MKTt 2/10 4k U F Q~Q ~° ¢i Ll a 6 8 n ,a`g3 d z t; I ~ 4a .IH ~ Q~~ Payabe Through' Firs) USA, Delaware, OH d30I5 MEMO SIGNATJAE ~:^44ii55ii1:337ii75792520711e7300 ' IMPORTAM INFORMATION: The use o1 the attadlad cheekjs) or draft{s) will cons[iMe a charge against ;nurued'n axounl. PromoHorol APfI: Yfien you use the top aback you roll ttcei:2 a promotiorel 0.994. APA unld the first da;• at your bdlim c,•de That irrhdes Jute 1.2069. II arf Fad from This otter remains aHer its limited duration APA expges. H will then he suged to the standard a defauH APO applrabk to such balances as d=.krmined by ymr CardmemFer Agreemed 1Yhan you use the botlom cfieck you wdl receive a promdimil 7.99M1 APR until the bakrce of the cfieck's paid in lull Ollhv APRs The APR on all dher Iransaufions and bad anyour account will remain a11he applkabk role in acmrdance wifi your Cardmember Agreement iranadion fee Firrerce Charres. Please see your Cardmemher Aoreement far any appliLable Iransadbn h:ess Ai1M la Beeline: II checks are part of this oiler, che;ks Thal post a er the void dale dlsdosed or that are made pa/aMe to us a me of our related Danks or rnmpaniesrrill be declined. Und¢r certain circumstances Ifaexampk. H ymlx acanld Is past due or ova lines, or it we reasonabh,• 6elirve that ^ou will to urebk or umvidinp to repa;~ the balance or as descril~d in you Cudmem~r Aareementl, we maii dedlne to pproxss your transaction, m wheh aseyyon wgl bz nddied Payment All¢ntian: tye may albcafe pa;meds to flalarces wAh la,• APRs ;induding bahrces with introdudory and pmmdionil APRsj heiore appHing payments to higfler APR balances Th's meads that arrv, pramdioral pedod disdosed to you may be shoder based an your paymed amounts and APRs on dher balances. 0fld End Dale: To take adianl~e d an introductory a promotiorel rate forare promdiorml perod staled in this ofhr+,p applicadel, the transadias ham th's otter mud post to ^our atroud b/ Ifk posdnp date disclosed in this offer and your account must not be in defauH. iransadbns that ppost aHer the posting date or it your a:rounl s in deauH wil~ to chargad the app'cablz lalrpromolianal krms ibr example, APft and transacion fee) stated in yaw Cardmemtw Apreernenl a any subse~puent chalrpe in terms. a will be tleclired. Odanll: Am, idroductory, promotional. d standard APRs are Lantingenl on your compMng with the terms of your arouud. For eLample, it your payment to us is oat taxived by the date and time your parmeni is due; Hyour acount is ovedimH~, or tl a payment to ua s rot honored by rrour bank the introductory, promotional. a standaM APft offers ma+ end and the APRs on ill balances and newlrarLUCgonson roar axoud refill adjust m the applkaWe role and heoome efkd'e~e as oltfie list day of tM biting cyde in ;sfiich the defaup occurs. brace Period: A prate period wit not appt/ la fraasadions from Has oHar. 8tba Items: If your nede line jaeda access Iine7revoNinp aedh line fa Pisa Svunature,'World MasterCard axollmsj or cash accus line, which may appear wAhin. s bwered far aw reason since the time vwr account nos selected tx this offal, d couH died the aaibble credit on your account and your abiNly to take ad!ardage of th's offer. Any special benetils otthis oH¢r appt/to trallaadions from fibs oAer only. II you pay any d'sputad amaants you may lose your right to dispde (h¢m. Th's offer is nd valid H yaw auount has been conrreded to any dher product , .such as to or Irom a °co brand' a offer `rewards' aaoud. h appfimde, onN chador fiat +:masue br ;roar aobud are sold. ClBCIa Iran this otkr deposned imo yarr ban~3xount at any bank (inUrdinp art/ 01 our banlai may b¢ subjad to a delay in tFie availabiliFj d tAOSe Nods. Checks used to access °au account must to presented to us in paper form. If a chede s preserlle to ra elvtronralF/. ;ve ma,• nd be able to a-.cept it due to cedain dleck processing rules ve must adhere to. Other offers ma;~ supersede this offer. Grdmemba AgrsemenC fa hrdh8 details about terms a conditions on you account. please rifer to yar Cardmemeer Agreement. DSC~2130 Muse pore b you' accouw Dy Ae porllrq doleArofd dale of 03/19/3909 W S4M the APR srm4d le yaw Qer DANIEL HAUSER 633 HERITAGE C7 MECHANICSBU RG PA 1 70 50-1 85 7 DArE 7299 999 56-155 L441 PAY To Tla. ~ ~~ Olmvc DF Void Void Void Void Vo~dABa THIS DOCIIFtENTCON'IAINS AN AAiIFIOAL W A1ERn1AAA, ABSENCE OP ]'BLS FEATIAE WII.L BJLBU]E A COPY Payable ihrdp h: FirA USA. Delaware, OH 43015 ~I19 Melao $IGNANAE ~:^44ii55iia:337ii757925207r1•7299 Muse post b your occwus[ by !hs p•rling doleAroid dale of03R9/2G09 bau! Iha APR slNed in yaw A DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 70 50-1 85 7 DArr 7300 999 56-155 U441 PAY To Ta>E ORDteA OF Void Void Void Void Vo~dAAa THIS DOCUe4Sl'I CONTAINS AN AA]]FIOAL WA-fFItMAAA. ASSFNCE OP TIf15 EEATUAE WILT. BiD1 UTE A COY 6 of 57 ~ o m ~ ~~ ~ A~ - ~ ~~ ~_ ~ ~ ~ "~ C r m q 0 0 ~ o ~ ~ b ryry~ >A Z O n m ~g ~£ _~ ~~ 7 of 57 Paymem Oue Date New Balance Past Due Amount Minimum Payment 03/20/09 $10,815 44 $0.00 $237.00 Account number 4266 8411 7579 2520 Make year ehedr wYada to: Chau Cvd Servlcea. Please wrde amount enclosed. New etldress ar rmeB? Print on beo'c. 4266841175792520DDD2370D01D81544DDDDD06 57971 BIX Z 05909 C DANIEL HAUSER 633 HERBAGE CT MECHANICSRURG PA 17050-1857 f: 5~~0 L60 28t: 20 3 i i 7 5 79 2 5 204n' CHASE ~ CARDMEMBERSERVICE PO BOX 15153 WILMINGTON DE 18886-5153 ~~ (.®'{S AMERICAN Statement Date: oi291o6-OV26ro8 ~ lyp n f KrNNE1.CLU9~ n,ge your accou nt on ne: \~ Minimum Payment: $237.00 vrww chase.coMaedi[ca ds Payrnent Due Date: 03/20109 Additlonal contact infornation ACCOUNT SUMMARY VISAAccoumNumber: 4266941175792520 convenientty located on reverse side Previous Balance $10,555.04 Total Credit Une $11,000 P ayrnent, Credits -$245.00 Availede Credit $164 Purdt aces, Cash, Debits 1.$376.40 Cash Access Line $2,200 Finance Charges +$129.00 Availade for Cash $184 New Balance $10,81544 ACCOUNT ACTIVITY Date of Transaction Iderchant Name or Transaction Desaiotion $ Amount 02117 Payment -Thank You -245.00 01128 WILLOW MILL VETERINARY MECHANICS BURG PA 169.50 01/31 WM SUPE RCE NTER MECHANICSRURG PA ~ 54.18 02/07 FIRE HOUSE HARRISBURG PA 2q 7g 02/09 WMV'MATC H.COM 600-326-5161 TX 107 gq FINANCE CHARGES Rnance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee! Acamulated FlNANCE Category 31 days in cyde APR Balance Periodic Rata Service Charge Fn Charge CHARGES Purdtases .03833% 13 99 % $4,979.67 $59.17 $0 00 $0.00 $59.17 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .03833 % 13.89 % $5,876.55 $69.63 $0.00 $0.00 $69.83 Total finance charges $129.00 Efiectlve Annual Percentage Rate (APR): 13.99% Please see Information About Your Account sedion 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 Etieclive APR represems your total finance charges - induding iranseclion lees such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS We are bringing you dear and simple! Take a look at the new format o1 your statement - we hope you find it easier to reed. It still hea everything you need on 419 irons and ode, wish inormation simply displayed Get unlimited local 8 bng distance calling with Vonage for $24.99/Month every month. You'll get 25 great features at no extra cost. See Vonage.conV911. High Speed Internet re- quired. For details identity yourself as a Chase cardmember and call 800-807-8963 or visit www vonegemrn/star114 today! -This Statement is a Facsimile -Not an original 0000001 FI533335 C 3 000 N Z 2a WA22e Pape 1011 00082 MA MA 57971 OSa1 0000030 005 7971 01 R 56 of 57 Address Change Request Please provide information below only it the address information on iroM is incorrect. Street Address: _ - City: -_ State: -- Zp. -- Home Phone: -- Work Phone-. __ E-mail Address: _- L To contact us regarding your account: By Telephone: .~ ~/l © In US. t-eBB-305.4016 G>I Espanol 7-888-M6-33oe y~nd Inquiries to: Mail Pa rmnb [o: Visit Our Websita TDD t-8 00-95 5 6 060 Y Pey by phone)-800-436J958 P.O. Boz 75298 P.O. Box 75153 www rhae -orN reditmrd= Outside U.S. cell cdleU Wilmington, DE 198565298 Wilrrinpton, DE 79886.5153 1.302-594-8200 Information Ahoul Your ACCOUnI Credking of Paymems: For payments by regular U. S. mail, Send a[ least your minimum payment due to our Paymems address shown on mis statement. Your payments by mall must compy with the instructions on this statement, and must be Matle by check or money order, payable in U. S. Dollars, and drawn on or payable Fhrough a U.S. financial institution or the U.S. branch of a foreign finartcial institution. Do not send rash. Write your accoum number on your check or money order. Payments must be aaompanied by the payment coupon In the envelope provided with our address visible through [he envelope windmv; the envelope cannot contain more than one payment or coupon; and there pn be no staples, paper dips, 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.rn. local time at our Payments address on [his statamem, we will credit the payment fo your accoum as of that day. If your payment is in accordance with bur payineni instructions, but is made available [o us after 1 00 p m. local time at our Payments address on this statement, we will credo it to your account as of the next day. li you do not fodow our payment Instrtlctlons or d your payment Is riot sent by reguaar U.S. malt fo our Payments address. credfiing of your Daynten[ maY b¢ tlelayed for up [0 5 days. Paymems made electronically through our automated telephone service, Customer Service advisors, ar our vreD site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaur. We may report Information about your accoum to credit bureaus. Late p ants. missed payments or other defaults on your account maybe reflected in your credit report. I f you think rte have reponed inaccurate iMOrmation to a credit bureau, you may write to us a[ the Inquiries address shown on this slatemenL Ndice About Electronic Check Conversion: When you pay by check. you authorlre us enher to use intormatlon tram your check to Make a one-time electmnic ium7 tmnsMr iron your ad0ount Or t0 prO0ea5 the payment as a check Iansacton. When vre use information from your check to make an electronic fund transfer, funds may be vrithdravrn from your account as soon as the acme day vre receive your payment, and you will not receive your check back From your fi nancial institution. Cali the Customer Service number on This 51a[ement it you have questions about electronic check collection or do not tram your payments collected electronically. Conditional Paymenh: Any payment check or other farm of pa merit that you send us for less than the Cult balance due that is marked 'paid in full" or contains a similar notafian, or that you othervdse tender 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., 'rf it is determined [here is no valid dispute or if any such check is received at any other address, vre may arLept the check and you vrill still owe any remaining balance). We may refuse to accept arty such payment by returning it to you, not rasfting it or destroyying it. All other payments thatyoumake should be sem to the regular Pa merits address shorm on this statemem. Annual Renewal Notice: If your account has an annual tee, h will be billed each year or in mon[Aly installments, whetheror not you use your account, antl you agree to pay it when billed. The annual fee is non- relundabte unless you notify us that you Trish [a close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same lime, you pay your outstanding balance in full. Your payment of the annual fee does not affect our riph[s to close your accoum and to limit your right [o make transactions on your account. Ii your account is closed by you or us, we will centinue to charge the annual fee until you pa your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separate)y for each tea[u re, (e.g.,balance transfer/convenience checks and cash advance checks ('check transaction'), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine differem categories with the same daily periodic rates. It there Is a "V' next to a periodic rate on mis statement. that rate may vary, and the index and margin used t0 tletemnine Ibat rate and itg correspondlitg APR are described in your Cardmnmber 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 transactlon, In the amounts stated In your Cardmambar Agreement, as amended. To get the daWy haiance for each day of the convent billing tycle, we take the beginning balance for each Feature, add any new transacfiorts or other debits (including fees, unpaitl finance charges and other charges), subtract any payments or credits, and make other atljuslmenis Transactions are added as of the transaction date, [he beginning of the billing cycle in whidt they are posted to your account, or a later date of our choice (except [ha[ check transactions are added as of the date deposhed 6ythe payce ore later date of our choice). Fees are added eithar on the date of a related [ransaMion, the date they are posted to your account, ar the last day of the bgling cycle. This gives us that day's dally balance. A credh balance Is treated as a balance of taro. If a dairy pedodic rate applies to arty feature, we mulepy the dairy balance by the dally periodic rate [o get your pedodic finance charges for that day. We [hen add these periodic finame chargges to your daffy balance to pet the beginning balance fortlte next day. (If nrore than one daily periodic rate could apply hosed 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 tlay-) To get'your total periodic firmnce charge for a hgling cycle when a daily periodic rate(s) applies, we add atl of the deity periodic finance charges for ak features. To determine an average dairy balance, we add your tlaiy balances and d'wide by the number of tt7e days in fife applicabe blNing cycle(s). U you multipty the average daily balance for each feature by the apptipble dally perlotlic rate, and then muhipy each of these results by the number of days in the applinhle bfling cycle{s), and then add all el the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To gef your total periodic finance charge for a billing cycle when a momhly periodic rate(s) applies, multiply me average dally balance for each feature by the applicable monthty periodic rate and add the resuls together. The total vrill equal the periodic.linance charges for the biting cycle, except for minor variations due to rounding. Grace Period [at least 20 days): We accrue periodic finance charges on a transaction, fee. or finance charoe from the date it Is added to yyour dagy balance until payment in lull is rerRived on your account However, we do not charge periodic finance charges on nets pumhases billed during a baling cycle i1 the receive both pa merit of your New Balance on your current siatemem by the date and time your paymem is due and also payment of your New Balance on your previous statement by the date and rime your paymem was due. There Is no grace period br balance transfers, cash advances, check transactions. or overdratt advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions Abdul Your Bill: If you think your bill is wrong, or it you need nrore intormafion about a transaction on your bill, wrhe Customer Service an a separate sheaf a[ P.0 Bax 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no aler Ihan 60 days after we sent you the first hill on which [he 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 name antl accoum number • The dollar amount Of the Suspected enor • Describe the error and explain, it you can, wiry you believe there is an error. If you need more intormatlon, describe the Item you are unsure ahcu[. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are rim in question. While we investipafe your question, we cannot report you as delinquent or take acdon to collect the amount you question. If you have authorized us to pay your credit card bill automatically Irom your savings or checking account you can slop the payment on arty amount you think is wrong. To stop the payment. your letter or call (using the Inquiries atldress or Customer Service telephone numbershown on this statement) must reach us at leastthree business days before the automatic pa ant is scheduled to occur. Spatial Rule for CredN Card Purchases: If you have a problem with the qualify of goads or services that you purchased tviih a credit card {excluding purchases made with a check), and you have tried in goad faith to correct the problem wnh the merchant, you may no[ have to pay the remaining amount due on the goods or services. Vou have this protection only when the purchase pots 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 appy i1 we own or operate the memham, or if ere mailed you the advertisement for the property or services. UA171408 57 of 57 Paymem Due Date New Balance Past Due Amount Minimum Payment 04/17109 $10,796.61 $0.00 $224.00 Account number: 4266 8411 7579 2520 • Make your chedr tayaWeto: Chafe Card Services. Pleasewri[e amount enclosed. New address or a-meil7 Print on Ded<. 426684117579252DDDD224DD010798615807849 24273 BIX 2 Oa709 C DANIEL HAUSER 633 HERBAGE C7 MECHANICSBURG PA 17050-1657 7:5000 160 287: 203 L 1 7 579 25 2041r CHASE ~j I warn to purchase optional Chase Paymern Protector Plan. I've read the Bengtlls 8 Disclosures on back of ~sen. CAADMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 ~,.+^~,~ { ANIERKAN I ~t iCDVNrt Cwa- Statement Date o3ro1/oa-a3/zaroe Manage your account online: C . ~~ Minimum Payment: $224.00 www chasemMcredhcards Payment Due Date: 04!17109 Additional contact information ACCOUNTSUMMARY VISAAecountNumher: 4266842175792520 conveniently located on reverse side Previous Balance $10,815 44 Total Credit Une $11,000 Payment, Credits -$240.00 Avatade Credit $201 Purdtases, Cash, Debts +$106.85 CashACcess Line $2,200 Finance Charges +$116.32 AvaBade for Cash $201 New Balance $10,798.67 ACCOUNT ACTIVfTY Date of Transaction Merchant Narne or Transaction Desv tm ion $ Amount 03117 Payment Thank You Electronic Chk - -240.00 03/06 GIANT FOOD 8005 MECHANICSBURG PA 3281 03/12 SUPPLEMENTWAREHOUS E.C0800-5456012 WI 74.04 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daly Due To Feel ~ Accumulated FlNANCE Category 28 days in uyde APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purdlases .03833% 13.99% $4,967.98 $53.32 $0.00 $0.00 $53.32 Cash advances V .05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer 03833% 13.99% $5,870.30 $63.00 $0.00 $0.00 $63.00 Total linen ce charges $116.32 Effective Annual Percentage Rate (APR): 13.99% Please sea Inionnation About Vour Account section for balance computation method, grace period, and other important iniorfnation The Corresponding APR is the rate of interest you pay when you terry a balance on any transaction category. The Efieaive APR represents your total finance charges - induding transaction tees such as cash advance and balance transfer lees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000007 FIS33336 C 3 000 N Z 26 09.0328 Page 1 d 3 OODB2 MA NV1 202]3 0661000003000262]301 J( IN513596 52 of 57 Address Change Request Please provide information below only it the address information on from is incorrect. Street Address' City: State: Zip: Home Phone: Work Phone' E-mail Address To contact us regarding your account: By Telephone: O In U.S. 1-696-305.4016 .~ ~/I !y c_y ~r 'I Espanol 1-BB9-446-3308 TDD t-6 00-95 5 8 06 0 g~nd Inquiries to: v Wlail Pa merits to: Visit Our Websi[e: Y Pay by phones-B00-436J958 P.O_ Box 75298 P.O-Box 15153 www.chace comMred'tords Outside U S. call cdleG Wilmington, DE 19&545 296 Wartington, DE f 9666-5153 t-302.594-6200 Information About Your Aecount Crediting of Paymems: For paymems by regular U.S. mail, send at least your minimum payment due to our Payments address sho7vn on thIS statement. Your payments by mall must Compy rd[h [he instmcaons on this statement, and must be made by check or money order. payable in U.S. Dollars, and drav+n on or payable through a U.S: financialinsaiuti0n or the U.S. branch o4 a foreign financial institution. Do not send cash. Write your account number On your check or money order. Payments must be acGOmpanied by the paymem couDOn 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 cortespOndence included with your payment If your paymern is in accordance with our pdyment instructions and is made evadable to us on arty day except December 25 by 1:00 p.m. lOpl time at our Payments address on this statement, we cacti credit the payment to your account as of that day. IF your payment is in accordance with Our payment instructions, but is made available to us after 190 p.m. local time at our Payments address on this statement, we will credit it to your account as M the next day. If you do not folbw our payment Instnlctlqns qr p your payment is not sent by regular U.S. mall to our Payments address, crediting of your payn7en[ may be dekyed for up to 5 days. Paymerns made electronically ihr0ugh our automated telephone service, Customer Service advisors, qr our web site will ce subject to any processing times disclosed for those paymems. Account Information Reported to Credo Burtaus: We may report inormation about your account to credit bureaus. Late paymenu, missed payments or other defaults on your accoum may be reifected in your credit report. If you think we have mponed inaccurate intonnation to a credit bureau, you may write to us at the Inquiries address shown on this statement Notice About Electronic Check Camersian: When you pay by check. you authorize us etther to use IMOrmatlon from your check fo make d One-tuna e19CifOnIC fund tmnSlef 1r01A your dCCAUM Or t0 DfO0e55 [he payment as a check transaction. When we use information From your check to snake an electronic fund transfer, funds may be withdravm from your account as soon as the same day vre receive your payment, and you vdll not receive your check back From your financial institution. Call the Customer Servlce number on this statement if you have questions about electronic check collection or do not want your payments collected electronicatly. Conditional Payrnenk: Any pa merit check or other form M Wymerit that you send us far less than the full balance due that is marked'Daid in full- or contains a similar notation, or that you otherwise lender in full eaBSla0ti0n 01 a disputed amount, must bE Sent t0 Card Service. P.O. Box 15049. Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.,rf it Is determined [here is no valid dispute or ii any such cheok is received at any other address, ere may atxept the check and you will still owe any remaining balance). We may refuse to accept arty such payment by returning it to Sou, not cashing it or destroyying it. All other paymems that youinake should be sent to [he regular Paymerits address shown on this statemerd. Annual Renewal Notice: It your account has an annual fee, n will be billed each year or in monthly installments, whether or no[ you use your account, and you agree to pay tl when billed. The annual ice is non- refundable unless you notify us that you wish to close your account within 30 days of the date sue mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in lull. Your payment of the annual fee does not affect our rights to close your accoum and t0 limit your right to make transactions on your account. II your account is closed by you Or us, we will continue to charge the annual see until you pa your outstanding balance in full and terminate your account relationship. ExPlartati0n of Flnartce Charges: We ralcuW[e periodic finance charges, using the applicable Oeriodic rates Shown On this statemenk Separately for each feature (e.g.,balance Transfer/convenience checks and cash advance checks ("check tmnsaction'), purchases, balance transfers, rash advances, promotional balances or overdraft advances). Those calculations may combine diflereM categories with the same daiy periodic rates. If [here I5 a "V' neM to a periodic rate on this statement. that rate may vary, and the index and margin used to determine that rate and fie corresponding APR are described in your Cardmemher Agreement: as amended. There is a minimum finance charge in any billing cycle in vrhich you owe any periodic finance charges, and a tmnsaction finance charge for each balance transfer, cash advance, or check uansactlon, In the amounts stated In your Cardmember Agreemem, az amended. To get the daily balance for Bch day of the curtent billing cycle, vrc take the beginning balance for each feature, add arty new transacfions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transacdons are added az of the transacion date, the beginning of the billing cycle in which they are Dossed tb your account, or a later date of our choice (except that check transacdons are added as of the date deposited Yrythe payce or a later date of our dtoice). Fees are added either on the date of a related transaction, [Ito date they are posted to your account, Or the last day of the billing cyde. This gives us chat day's dally balance. A Cretltt balance is treated aS a balance of zero. IF a daily pedodic rate applies to arty texture. the mul6py the dairy balance bl+the daiy periodic rate to get your periodic fironce charges tar [hat day: We then add these periodic finance chargges to your daiy balance to pet the beginning bahance forthe next day. (If rtarethan one daily periodic rate could apply based on the average daiy balance, we vriq use the dairy periodic rate [hat applies forme average daiy balance amount at the end of the billing cycle to calculate the daily parodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daiy periodic rate(s) applies, we add all of the daiy periodic finance charges for all features. Ta determine an average daiy balance, we add your daiy balances and divide by the number of the days in fife applkaWe bNling cycle(s): II you multrpy [he average daily balance for each feature by the appllgbla daiy periodk rate, and then muttipy each of these results by the number of days in the appliahle billing cycle(s), and then add all 01 the results together, the total will also equal the periodic finance charges lOr [he billing cycle. except For mingr variations due to rounding. To get your to>al parodic finance charge for a billing cycle urban a monthly periodic stets) applies, multiply the average daiy balance for each feature by the applicable monthty periodic rate and add the. results together. The total will equal the periodic lnance charges for the billing cycle, except for minor variations due to rourdingg. Grace Period (at least 2U rhys): We accrue periodic lnance charges on a. transaction, lee. or finance charge from the date it is added to your daily balance omit paymem in lull is received on your account However, we do not charge periodic finance charges on new purchases billed during a billing cycle ii we receive both p merit o1 your New Balance on your currem statement by the date and time your payment is due and also payment of your New Balance on your previous statement try the date and dine your paymem was due. There Is no grace DeriW for balance transfers, cash advances. check transactions. or overdraft advances. BILLING RIGHTS SUMMARY In Case o1 Errbrs or Oueslions About Your Bill: If you think your bill is wrong, or it you need more information abOm a transaction on your bill, write Customer Servlce on a separate sheet at P.O. BOx 15299 Wilminq[on, DE 19850-5299 as soon as possible. We must hear From you no later than 60 days after we sent you the first hill on which the error or problem appeared. You can telephone us, but doing so vrill not proserve your rights. In your letter, give us the fo9owing information. • Your name and account number • The dollar amount Of the suspected error • Describe the error and explain, if you can, wiry you believe there is an error. Ii you need more Infom7afi0n, describe the Item you are unsure about. You do nbt have to pay any amount in question while we are investigating, but you are still obligated to pay tfu pads of your bill chat are not in question. While we il7vest~pate your question, we cannot report you as delinquent or take actlon tq collect the amount you gvestlon. If you have authOdzed us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on airy amount you think is wrong. 7o stop flu payment your letter or call (using the Inquiries addressor Customer Service telephone numbershown on the statement) must reach us at leastthree business days before the amomatic payment Is scheduled to occur. Special Rule for CredB Card Purchases: If you have a problem with the quality of goods or services That you purchased vdth a credit card (excluding purchases made wdh a check), and you have tried in good Earth to correct the problem with the merchant, you may no[ have to pay the remaining amount due an the goods or services. You have this protection ony when the purchase price was mOro than S50 and the pumhase was made in your home Stale Or within 100 mi19S Of your mailing address. These bmhations do not appy it we own or operate the mercham, or if ere mailed you the advertisement for the property a services. L1M11714a6 53 of 57 Q/~ ~ ¢ or ~ ckeck: Fixed APR, for a limited durat'an f or ~~* 3~ check: Fixed APR, for. o limited duration • Use these Babece Traes~er checks to take rxlvaetage of these super-bla rotes today. • Save by hmsferdng bdmces tram h'gher-APR ocmuntr. • Write a check to youself. • Go on o welFdesened vocation. • Make home improvemenh These checks are ready 1o go. Yau can vane them for any amourrt c4 to the unused portion of your aedt Rne. Just make sure you have eraugh available cred'd fa the hansoction(s), inferrst, and arty relohd fees. Don't mar out -great rates Irke This don~t come around every day. 'alhtltl mat 6s V>shd to- yvt awua bl fa pmt~k d dap an A! (hHklsl. 'Aa'Imputan h(umoiul'strlion (u llplE dEluit. MKf17 ~o N 0\ ~i U I H QpQ faa4 N rn `~ I III F I~ ~~ HI Qi Q oa N rn a 9 yz U U 1 ye .. F ~Q Q Muvs post b yaw accoau by the possLle da4NOld den ofe32Tl2009 b Ses she APR stand fn yoar der DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 1 70 50-1 65 7 DATP 9256 999 s6-lssva4l PwY To THE -~ ORDER OF Void Void Void .Void Voia~lr5 Tws DOGVM1ffNT CON7AIN5 AN ART1F]pAL WA"IFltMA1UC, A]1SPNCE OF TIDS E£l]'URE WILLINIDGTE A COPY Payable tnroup n: FlrA USA, Westerville, OM A308f xw MFa+a SIGNATURE ~:^44Li55LL~:337ii757925207rr•9256 Mars par! b par accoaN by 4kepaabg da4Anid daL of0527/d009 b yes OYe APR sLded k yam ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 DATE 9257 999 56-1s51/441 PAY To Ttte. ~ I-~ OADFR OF Void Void Void Void Voil~lrs Tws DOCUMENT CQITAINS AN AATIF'ICIAL WATEAMARR,ABSFNfP OP ]]US FEATURE WI[L INIDGTPA COPY Payadetnrough: FirA USA, Westerville, OH 43081 71%1 MPMO SIGNATURE ~:^44iL55LLr:337Li7579252071r•9257 Mast post b ywv accaw[ by Ihr porsuq daleAaul den af0Yt7/IP09 b Rd the APR staled ix)o~v ~ r DANIEL HAUSER 633 HERITAGE CT MECHANICSBURG PA 17050-1857 DATP 9256 999 56-155 U441 Pax To T~ ~ ~~ ~pFA OF L Void Void Void Void Voil~Ll.s Tros nocvrw~aT CoITfAINS ntr wnTn:sIDws, wATPnmwxx, AR5F1iQ!. oPTTDS FEATURE was, aamuTE w ccPY Payable Ihrougn: Frcm USA, Westerville, OH G3001 14 MEMO SIONATiRIE r:044LL55LL~:337L1757925207r1•9258 54 of 57 • IMPORTANT INF0HNIIfTION: ibe use of the attached chedtls or drat[{.sj Brill constitute a charge against your aedA axounl. Promoliaml APR: When ase the lust andbr semnd chede,yyou~ xil recenne a pmmdbnal 0.99 APp edit the lust day of your billi ack flat kdudes September 1, 2009. When you use the thkd check ;you will receire a pprromotional 5.99ti APR imlil the first day of yotr bAhnp cycle Nat includes fula~ 1, 2D~1. A arty balance fran this dkr rearaias aher ns IimAed duratbn APR expires, A!vAl then b subject tofhe standard a detauH APp agplinble to such balances as determined bi year iardmember Agramed. ONa APAz The APR on all dher transactions and hakrlcas on your aaount wAl remain al tlN applleabk tale in axordana wiN ;roar ardmember ApreemenL ira~xadion Fee Firence Chaepes: The transaction lee veil be 3?: of Bath theckfrom the oAa (~ mininnrm; rq maximum i. RiAM la Daline: If checks aze part of this oiler, cha°.la Ihal post aher the raid dale disclosed er that are made paaaNe to us a one of oiu rdaEd 6aNes or ~mpania Brill be declined. Under cenain c'ucumsfarexs {fa eaampk, it you acroud is pall due or over IknA, a if xe reasonably believe that you wiN be unable a unnilArg b repay the balance a as described in your CardmemberAareerneMl. •.re ma- dadme to ppmcass yourtransadion. n wi~ich rasaya :;91 he ndfi~. Paymed Allon'an: We mar albcafe pa;ments to balances rRh IorAPRs indud'mg baances with id uday and promdional APRs) bebn; applying paymeds la higherAFR balances. This means that arty promdiorel penod disclosed to you may be shone lased an r papment amamh and APRs m dher halanxs ORa End Dale: To lake adtiamage of an idrodudory a promoaorel rate for arr,~ pramdiord perbd stated in this oiler (il applicaLJei, the transadiore hom tkis optt mrst poll to •our acxian try the pppostrop date disclosed in this otlerand you rcaint must red be m datardt Transatbnsthat ppost aAer ik posimp dale or it }roar amoud's hr dekud wilt be charged the appgcabb rorrpromotional firms br sample, APR apd Imnsadbn leej staled in you Cardmembar Agreemed a any subsequed charge m terms, a •r;AI be declired. Ddeell: Am, iniroduderi, promotional; a standard APRs are antingent on your compHing with the firms of your accoud. For example, A your paymed to us is net receMed by the date and time your pamtenl k due; it your accoud is otxnimiL or it a palmed Io us us mt honaed M,' ;roar bank ttu: inlroductor„ promotorel, a standard APR oRers may end and the APRs on all baances and new IranSactions on your aaoum wdl adlusl m the appl'raNn rate and become efkdive as of the lirsl da;~ of the billhg cycle in which (tu: delauA occurs. Crece Period: A pram pedad xll not apply to 6ansadions hom Nis oiler. Other Items: Ii your aedR line reedit access line'reroAing credit line la Ysa Sgnature'World MaskrCard aaamisl err cash axzss Gne, which may appear wtlhin; 's bxered for amt reason sine the lime your armrrnl !~.as selected br Ihis oiler, a ceuU ailed the avaikble aed'n on your amoun(and ywr a6giy to take advantage of ih's otla. Arty specal benelils of this oiler apph to Irarxaclions hom the oAer only. I{you pa; any deputed amounts ;roe may lose you riphl to d~eeApde Ihen. Ihis oiler k red valid i your amount has been wmerted to an y over product t . sirh as to a Irom a -~ brand' or oNer `retirards' aaoum. A appliaNe. onhy ehecla that we issue br • ur amorurt are maid. Otleds ham this ofkr deposned ialo yarr bank axaud al am,~ bank (inchding arty of our banksi ma;~ be subject b a delay in {he auailabAily of those lands. ~teda used to auess~~our account must he presented to us in paper form. It a check a presented to us eladronxalh~, we mar red 6e able to accept n due to certain check processing rules we must adhere to. Other oflem may supersede this offer. Cardmemba Agreement: For IuMer ddaik abod krms a conditions on your aaount, please rekr b yar CardmemberAgreemed. asciraas ® ,~ o ?~ i~ ~ o 0 ® m o ~ ~_ ~ ~ b b e~ ® Zy S m ~ Q ~ y F ~ O C m q O 0 F'Oi v m o n }f ~g ~E Z~ ~~ v 0 s~ ~ d °m o 0 ~ z °z a~ c 55 of 57 Paymem Due Date New Balance Past Due Amount Minimum Payment 05/23/09 $11,204.31 $224.00 $659.31 Account number: 4266 847'1 7579 2520 . Makc your check payade [o: Chax Card Servfed. Please write amount enclosed. New address or a-mail? Print on bade. 42668411757925200DD8593101120431DDDD003 26615 BDC Z 1 f 909 C DANIEL HAUSER 633 HERffAGE CT MECHANICSBURG PA 170 50-18 5 7 t:SDDDL6D28t: Z03ii7579252D411• CHASE ~ CAR DMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19666-5153 ~ti Statement Date: AMERICAN o329~09 - o4/ze/oa KENNEL f1llB" r~ Wage Qouraaount online: - m/aetlrt ards Minimum Payment: -$659.31 Payment Due Date: 05/23!09 Adtlitlon al contaG information ACCOUNT SUMMARY VISA Account Number: 4266 8471 7579 2520 CO"~rnenty locazetl an reverse side Previous Balance $70,798.61 Total Credit Line $11 000 Purchases, Cash, Debts +$125.64 Availade Credit , $0 Finance Charges +$260.06 Cash Access Line $2,200 New Balance 77,204.37 Avatabetor Cash $p An overiimit fee was assessed when your account exceeded the estabiShed credit limit. The new APR and promotional rate expiration relleded on this statement is a result o1 a late payment on your accoum. For your convenience, you can always pay online by accessing our website displayed on this statement. ACCOUNT ACTIVITY Date of Tmnsartinn Merchant NamB nr Tranc~jdinn DPCr>~ni nn $ Amnnnt 03/29 GIANT FOOD #005 MECHANICSBURG PA 4764 04/77 LATE FEE 39 00 Od/28 OVERLIMIT FEE 39.00 FINANCE CHARGES Fnance Charge Transaction Daiiy Periodic Rate Corresp. Average Daily Due To Fee / Acarmulated FlNANCE Category 31 days in uyde APR Balance Periodic Rate Service Charge Fn Charge CHARGES Purdtasas V .08216 % 29.99 % $5,060.32 ~ $128.88 $0.00 $0.00 $128.86 Cash advances V .08216 % 29.89% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer V .06216 % 29.99% $5,935.83 $151.18 $0.00 $0.00 $151.18 Total finance charges $280 06 Etteetive Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance compNalion method, grace period, and other importan t iMortnation. The Corresponding APR is the rate o1 interest you pay when you carry a balance on any transaction ptegory. The Eltedive APR represents your to1a1 finance charges- induding transaction tees such as qsh advance and balance transfer tees -expressed as a percentage. IMPORTANT NEWS Please note that your Payment due date has changed, effective this month. To select a payment due date that works bell for you, please call customer service. To pay the amourn due, you can access our website displayed on this statement, or call us at 1-800-436-7956. This Statement is a Facsimile -Not an original 0000001 FIS33335 C 3 000 N Z 2a 09XM2a Page 1 or 1 00092 MA MA 26915 11910000030002691501 R SO of 57 Address Change Request Please provide information below only it the address information on from is incorrect. Street Address: _ ___________ City. State: Zip: Home Phone: Work Phone: E-mail Address To contact us regarding your account: By Tetephorx: © In U S. 1 -888-3054 01 6 7 ~I dl Espanol 1-BBB-446-3308 TDD 1-800-905-8060 Send Inquiries to: Mail Pa menu [o: Visit Our Website: Y Pey by phme7-800-a36-7958 P.O. Box 75290 P.O. Box 75753 www.hare coin+creditrwrds Outside U.S tact cdieG Wlming[on, DE 198,545 298 Wilmington, DE 19886-5753 1-302-594-8200 Information About Your ACtounl Crediting of Paymems: For paymerns by regular U.S. mail, send at least your minimum paymem due to our Paymems address shown on mis statement. Your payments hY mail must comply vdth the instructions on this statement, and must be made by cneck 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 institution. Do not send cash. Write your accourN number on your check or money order. Payments must he accompanied by the payment coupon In the envelope provided with our address vlslDle through the envelope window; [he envelope canna[ contain more than one payment or coupon: and there can he no staples, paper clips, tape yr correspondence included with your pryment If your paymem is ut accordance with our paymem instructions and is made availaUle to us on arty day except December 25 by 1:00 p.rn. Ideal time al our Payments address on this statemern, vre unit credit the payment to your accoum as of [hat day. If your payment is in accordance with our payment instmdions, but is made available [o us after 1 OD p. m. )oral lime a[ our Payments address odthrs statemem, we will credR it to your account as at the nexf day. It you do not fodow our payment Instnlctlons ar d your payment Is not sent by regular U.S. mall to our Payments address, eredning o1 your payment may be delayed for up to 5 days. Paymems made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed tar Ihose payments. Account Information Reported to Credd Bureaus: We may report information about your account ttl credit bureaus. late p manes, missed payments or other defaults on your account may be reflected in your credit report. If you think we have mponed inaccurate information to a credit W reau, you may write to us at the Inquiries address shown on this statement Notice About Electronic Check Conversion: When you pay by check. you authorise US Caner [0 USe IMOrmatl0^ from your CnCCk 10 make a one-time electronic Lund transfer Irom your account or to process the payment as a check transaction. When v+e use Information from your check to make an electronic fund transfer, funds may be wahtl2vm from your account as soon as the same day we receive your payment, and you will not receive your check Dack from your fi nancial institution. Call the Customer Service number On this statement if you have questions about electronic check collection or do not wain your payments collected electronlcady. Conditional Payment: Any pa men) check or other form o1 pa ment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notafian, or that you otherv+ise 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 no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may rehire 1o accept arry such paymem by returning it to you, not pshinp it or destroyying it. All other paymems that you make should be sent to the regular Pa menu address shovm on this statemem. Annual Renewal Notice: If your account has en annual fee, h will be billed each year or in monthly installments, whether or no[ yore use your accoum, and you agree to pay a when billed The annual ice is non- refundable unless you notify us that you wish to close your account within 30 days o(the date we mail your statement on which the annual tee is charged and at the same lime, you pay yow outstanding faience in lull. Your payment of the annual fee does not affect our rights t0 close your accoum and td limit your right to make transactions on your accoum. If your account is closed by you or us, we will cominue [o charge the annual tee until you pa your outstanding balance in full and Terminate your aaounl relationship. Explanation o1 Flnarce Chargr~: We calculate periodic finance charges, using the applicable periodic rates shown or7 this statement, separate)y for each feature (e.g.,balance Imnsfedconvenience checks and cash advance checks ("check transaction'), purchases, balance transfers, rash advances, promotional balances or overdraft advances). These calculations may combine diflereM categories vrith the same daily periodic rates. If [Dare is a "V' next to a Derlotlic rate on this statement that rate inay vary, and the index and margin used to determine That rate and its corresponding APR are described In your Cardmember Agreemem, as amended. There is S minimum finance charge in any billling cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check iransactlon, In the an7oun7s staled In your Cartlmem6er Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each Feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjuslmenls. Transactions are added as of the transaction date, the beginning of tfte billing cycle in which they are posted to your aubunt or a later date of our choice (except that check transacdons are added as of the date deposaed by fhe Boyce or a later date of ou r choice). Fees are added eBher an the date of a related transaction, the date they are posted to your aceounl, ar the last day at the billing cyd e. This gives us that day's dally balance. A credit balance Is treated as a balance of zero. If a daily periodic rate applies to arryieature. we multiplythe dairy balance by the daily periodic rate [o get your pedodlc firance charges for [ha[ day. Wa than add these periodic finance char es to your daffy balance to get the beginning balance for the next day. ~F more than one daily periodic rate could apply based on the average dairy balance, we will use the dairy periodic rate that applies for the average daily balance amount at the end of fhe billing rycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add aN o1 the daily periodic finance charges for all features. To determine an average dairy balance, we add your daffy balances and divide bbyy the number of tl7e days in the applicable billing cycle(s): II you muMDty the average dally balance for each Feature by the appllpble daily periodic rate, and [hen muttipy each of these results by fhe number of days in the appliable billing cycle{s), and then add all ai the results together, the total will also equal the periodic finance charges for the billing cycle, except For minor variations due to rounding. Ta get your total periodic finance cnarge for a billing ~ycla when a monthly periodic rate(s) applies, multiply the average dally balance for each feature by the applicable monthy periodic rota and add the results together. The total rill equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, tee. or finance charge from the date It Is added to your daily balance urnil payment in lud is rerRived on your account However, we do not charge periodic finance c barges on now pumhases billed during a billing cycle i1 we receive both p ment o1 your New Balance on your current statement by the date and time your payment is due and also payment of your New Oalance on your previous statement by the date and dine your paymem was due. There Is no grace Deriod for balance transfers. psh advances. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Cate of Errtlrs or Ouediona Abdul Your Bill: If you think your bill is wrong, or it you need more information about a transaction on Maur Dill, wrtte Customer Service on a separate sl7aet at P.O. Bax 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later Ihan BO days after we sent you the 1lrs[ bill on which the error or problem appeared. Yotl can telephone us, belt doing so will not preserve your rights. In your letter, give us ate lodowing information. • Your name and account number • The dollar amount of the Suspeoted error • Describe the error and explain, if you can, vrhy you believe there is an error. 11 you need more Information, describe the item you are unsure about. You do not lave to pay any am0unl in question 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 actlon to coller~ the amount you question. If you have authddzed us to pay your credit card bill amomatirally from your savings or checking account you can stop the paymem on arry amount you think is wrong. To stop the payment your letter or call lasing the Inquiries addressor Customer Service telephone numbershown on this statemenU must reach us atleast three business days before the amomatic pa ant is scheduled to occur. Special Rule for CredN Card Purchaus: If you have a problem whh the qualay o1 goods or services that you purchased vdth a credit card {excluding purohases made v+ith a check), and you have tried in good to ith to correct the problem with the merchant, you may no[ have to pay the remaining amount due on the goods or services. You have this protection only when the purchase pots was mom than E50 and the purchase was made in your home sGne or within 100 miles of your mailing address. These limaations do not appy it we odvn or operate the mercham, or if v+e mailed you the advertisement for the proptrry or services. WS171408 51 of 57 Paymem Due Date New Balance Past Due Amount Minimum Payment 06/22/09 $11,562.93 $655.00 $7,277.93 Account number: 4266 8411 7579 2520 ,w Make your check payaWc to: YW; Chax Card Services. Please wrke amount enclosed. New address a e-meil7 Print on bark. 426679411757925200D1217930115629300DDDD1 38560 BIX Z 74809 C DANIEL HAUSER 633 HERffAGE CT MECHANICSBURG PA 17050-18 57 t: SDDD L6D 28t: 20 3 i L 7 5 79 2 5 20~,It• CHASE ~j CARDMEMBER SERVK;E PO BOX 15153 WILMINGTON DE 79686-5153 ~y Statement Dater t AMERICAN 0429/09 - 05128!09 ~ Manage your account online: ~~; KFNNFl. C1U6- \~ www.cheQe coMaedRCartls Mlnlmum Payment: $1,217.93 - Payment Due Date: 06x22/09 Additlonal contact information ACCOUNT SUMMARY conveniently located on reverse side VISA Account Number:4266947775792520 Previous Balance $11,204.31 Total Credit Line $11,000 Purdtases, Cash, Dedts +$78.00 Availade Credit >~ Finance Charges i$280.62 Cash Access Line $2,200 New Balance 11,562.93 Availade for Cash $0 Vour credit card account is past due. Please send payrnem immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Desaiotion Mn n 05/24 LATE FEE 39.00 04/29 OVERLI MIT FEE 3900 FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FlNANCE Category 30 days in cytle APR Balance Periodic Rate Sernce Charge Fn Charge CFIARGES Purdtases V 08216% 29.99% $5,298.41 $130.60 $D.00 $0.00 $130.60 Cash advances V .08216% 29.99 % $0.00 $0.00 $0.00 $0 00 $0.00 Balance transfer V 08216% 29.99 % $6,086.38 $150.02 $0.00 $0.00 $150.02 Total tinan ce charges $200.62 Effective Annual Percentage Rata (APR): 29.99% Please see Inlortnation About Your Account section for balance computation method, grace period, and other important intonnation. The Corresponding APR is the rate of interest you pay when you carry a balanoa on any transaction category. The E71ect1ve APR represents your total finance charges-inducting transaction tees such as cash advance and balance Iransler fees -expressed as a percentage. IMPORTANT NEWS You have the flexibility to skip a payment. You must pay past due and overlimit balances immediately. However, the remaining minimum payment for this month has been reduced to $0. Flnance charges will continue to gccrue. To reduce your balance, teal tree to make a payment This Statement is a Facsimile -Not an original 0000001 FI533335 C 3 000 N Z 28 09i952B Pape / d 1 OOOB2 IAA NIA 30560 14870000030003858001 R 48 of 57 Address Change Request Please provide information below only ii the address iniorrnation on front is incorrect. Sheet Address: _ ___________ City: -- State: -- Zip: Home Phone: Work Phone: E-mail Address. L To contact us regarding your account: BY ekphorre: © In U.S. 1-888-3054 01 6 .' ~J'l ~I Espafiol 1-Bea-446.3308 TDD t-800-9558060 Send Inquirks to: Mall Paymenb [o: Visit Our Websi[e: Pay by phonet-600-436-7958 P.O. Box 15298 P.O. Box 15153 www.cha=e corNcred'tmrd= Outside U.S. cell cdleC NAlmington, DE 19850.5298 WdntingCOn, DE 1 9686-51 53 1.302-594-8200 Information About Your Account CredRing of Paymema: For paymems by regular U.S. mail, send at least your minimum paymem due to our Payments address shown On this statement. Your payments try mail must compty vA[h the instructions on this statement, and must be made by check or monry order. payable in U.S. Dollars, and drawn on or payable through a U. S. financial institution or [he U.S. branch of a foreign financial institution. Do not send cash. Write your accowd number on your check or money order. Payments must be atxompanied 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 cortespOndence included vnm your payment It your paymem is in accordance wah our paymem mstmctions and is made available to us on arty day except December 25 by 1:D0 p.ln. local time al our Payments address on mis statemem, we will credb Iha payment to your accoum as m that day. IF your payment is in accordance with Our paymem inslrocti0ns, but is made available to us after 1:00 p.m. local time at our Payments address on this statemem, we will credd it to your account as o1 the next day. If you do not follow our DaYrnent Instrtlctlons or d your payment Is not sent by regular U.S. mall to our Payments address, credbinp of your payment may be delayed for up to 5 days. Paymerm made elemronically through our automated telephone service. Customer Service advisors, Or our web site will be subject to any processing limas disclosed for those paymems. Account Information Reported to Credit Bureaus: We may report imormation about your account tb credit bureaus. Late p mauls, missed pay~nerns or other defaults on your account may be reflected in your credit report. If you mink wa have reposed inaccurate infOnnalion to a credit bureau, you may write to us at the Inquiries address shown on this statement Notice About Electronic Ckeck Conversion: When you pay by check. you authorize us either to use Information Irom your check to make a one-time electronic Lund tmnster from your account or to Drocess the paymem az a check transaction. When we use Imomlatlon from your check to make an electronic fulW transfer, funds may be whhdravm imm your account as soon as the same day vre receive your Payment, and you unit not receive your check back from your financial mstitu[ion. Call the Customer Service number on this statement If you have questionsabout eledmnic check collection or do not want your payments coaecled electronlrally. Conditional Payments: Any payment check or other form of pa merit that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or Ihat you otherwise tender 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 paymems (e.g., if it is determined [here is no valid dispute or if any such check is received at any other address, we may accept the check antl you will still owe any remaining balance). We may refuse to accept arty such payment by returning it to You, no[ cashing 8 or destroying it. All other paymems thatyoumake should be sem to the regular Payments address shovm on this statemem. Annual Renewal Notice: If your accqun[ has an annual tae, h will be billed each year or in monthly installments, whether or no[ you use your accoum, and you agree to pay it when billed. Theannual ice is non- refundable unless you notify us that you wish to close your account within 30 days of 7hE date we mail you r statement On which the annual fee is charged anti at the same time, you pay your outstanding balance In full. Your payment of the annual fee does not aflem our rights to close your accoum and to limit your right to make transactions on your account. II your account is closed by you or us, we will continue to charge the annual lee until you pa your outstanding balance in full and terminate your account relationship. ExP Ianatlon of Finance Charges: We calculate periodic tinance charges, usurp the applicable periodic 2tes shown on this statement, separately for each feature (e.g.,balance Iransler/convenienCB checks and rash advance checks ('check transaction'), purchases, balance transfers, rash advances, promotianaf balances or overdrah advances). lhrrse calculations may combine diflerem categories with the carne daily periodic rates. If mere Is a "V" next to a periodic rate on this statement, [hat rate friary vary, and the index and margin used to determine that rate and Its corresponding APR are described In your Cardmemher Agreement, as amended. There is a minimum finance charge in any billing cycle in vrh ich you Dave any periodic finance charges, and a transaction finance charge for each balance transfer. cash advance, or check iransacdon, In the amounts slated In your Cammember Agreemem, as amended. To fief the daily halance for each day of the current billing ryde, we take the beginning halance for each feature, add any new transactions or other debits (including fees, unpaitl finance charges and Omer charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning o1 the killing cycle in which they are posted to your aabunl or a later date of our choke (except that check transactions are added as of tke date depositetl 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 [he last day o1 the billing cycle. This gives us that day's dally balance. A credit balance is treated as a Dalance of zero. If a daily periodic rate applies to arty lecture, we muhipy the dairy balance by me daily periodic rate to get your periodic flnance charges for that day. We then add these periodic tinance char es to your daffy balance to get the beginning balance for the next day. ~f more than one daily periodic rate could apply based on the average dart' balance, we wig use the daffy perodig rate that applies forme average daffy halance amount at the end of the billing cycle to calculate the daily parodic flnance Charge each day To get your total periodre tinance charge For a billing cycle when a daily periodic rate(s) applies, wt add all of the daffy periodic finance charges for all features. To determine an average dairy balance, sue add your daffy balances and divide by me number of the days in the applicable biginq rycte(s). II you mulupty the average daily balance for each feature by the applipble daily periodic rate, and then muhlpy each of these results by the number of days in the applicable baling cycle(s), and then add all Ot the results together, the total will also equal the periodic flnance charges far [he billing cycle, except for mmar vanahons due to rounding. To get your total periodic finance charge for a billing cycle urban a monthly periodic rate(s) applies, multiply the average dally balance for each feature by the applicable monmty periodic rate and add the resuns together. The total vrill equal the periodic finance Charges for the billing cycle, except for minor variations due tb rounding. Grace Period (at least 2D days): We accrue periodic tinance charges on a transaction, lee. or finance charge lroln the date It Is added to your daily'baWnce until payment in lull is received on your account oyrever, we do not charge Deriodic finance charges on new purchases billed during a billing cycle it we receive both p merit of your New Balance on your currem statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the tlate and dine your paymem was due. There Is no grace period for balance transfers, CdSh advances. check transaction s. or overdran atlvances. 81LLIMG RIGHTS SUMMARY In Case of Errdrs ov gueslions About Your Bill: If you think your bill is wrong, or i1 you need more information about a transaction on your bill, write Customer Service on a separate sheet a[ P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first hill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rigMS. In your letter, give us the foaowing informatibn. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, wiry you believe there is an error. It you need more Information, describe the item you are unsure about. You do not have to Day any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we 'nvestipate your question, we cannot report you as delinquent or take action to tolled 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 arty amount you think is wrong. To stop the payment your letter or cad (using the Inquiries addressor Customer Service telephone number shown on This statement) must reach us at least three business days bmore the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: II you have a problem with the quality of goods or services That you purchased vrith a credit card (excluding pumhases made wim 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 me oods or services. You have this protection ony when [he purchase prgce vies more Ihan'$50 and the purchase was made in your hpme Stale or within 100 miles Of your mailing address. These limbations do not appy ii we own or operate the mercham, or if vre mailed you me atlvertise merit for the property or services. UA111408 49 of 57 Payment Due Date New Balance Past Due Amount Minimum Payment . 07123!09 $11,940.13 $655.00 $2,05213 CHASE ~ Account number: 4266 8411 7579 2520 . Make your chedr payade to: Chase Card Servien. Please write amount enclosed. New address a e-meA4 Print on beck. 426684117579252D002D521301194013000D009 zea7oaocz+7eoac I+rrlllrl„I„Irlrrl..Ilrr.I.I...,Ilrlrlrrrll+rlrlrrrll.rlirrl DANIEL HAUSER 633 HERffAGE CT CARDMEMBER SERVICE MECHANICS BURG PA 17050-18 5 7 PO BOX 15153 WILMINGTON DE 19886-5153 f:SODD L6D 28f: 203 L L 7579 25 2D411• ~:v~[ AMERICAN ~~~ KENNEL CLUB- ~ 0529/09 016/28/09 ~ Manage your account Online: ~~ Mlnlmum Payment: $2,05213 w~r:,.cha=_e coMaediteards Payment Due Date: 07/23/09 Addifional contaG information ACCOUNT SUMMARY - VISA Accoum Number: 4266 8411 7579 2520 conveniently located on reverse side Previous Balance $11,562.93 Purchases, Cash, Debits +$78.00 Finance Charges +$299.20 Total Credit Une gvailade Credit Cash Access Line $11,000 $0 $2,200 New Balance 11,940.13 AvaHable for Cash $0 The charge privileges on your rre0it card account have been revoked. You no longer have the adlity to use your credit card account for purchases. We can help you gel back on track. Call 1-800-955-8030 (collect 1-302-5948200) today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Desaiotion oust 05/29 OVERLI MIT FEE 39.00 06/28 LA7E FEE 39.00 FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Corrasp. Average Deily Due To Fee/ Accumulated FlNANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fn Charge CHARGES Purchases V 08216% 29.99% $5,506.53 $140.25 $0.00 $0.00 $140.25 Cash advances V .08216% 29.99 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance Vanster V .08216% 29.99 % $6,240.77 $156.95 $0.00 $0.00 $156.95 Total linance charges $299 20 E1lective Annual Percentage Rate (APR): 29.99% Please see Intonnation About Your Account section for balance computation methotl, grace period, and other important iniortnation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Efiedive APR represents your total Tinance charges -including Iran saction1ees such as cash advance and balance transler tees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIa33335 C 3 000 N Z 2B 09NG2B Page t d 1 00082 MA MA 268]0 1 ]e1 0000030 002 6B700i R INS+3877 46 of 57 Address Change Request Please provide imormation below only i7 the address information on front is incorrect. Street Address: _ _ City: State: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: By Tetephonr. ' 2 © In U.S. 1-B88-3054016 ~ vFV'i Espanol t-888-4463308 Send Inquiries [o: Mail Pa menu to: Visit Our Websiie: TDD t-800-95SB060 Y Pay by phones-800-x364958 P.O. Boz 75290 P.O. Boz 15153 www cha• orN redtrard• Outside U.S. ca0 cdlert Wdmington, DE 19850.5298 Wdrring[on, DE t 9886-5153 1-302.594-8200 Information ghoul Your Aeeounl CredNing of PaYmems: For payments Dy regular U.S. mail, send at least your minimum paymem due to our Payments address shown on this statement. Your payments by mail must compy vdth the instmc8ons on toffs statement, and must be made by check dr money order. payable in U.S. Dollars, and dravm on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do nm send cash. Write your account number on your .check or money order. Paymens must De accompanied by the paymem coupon In the envelope provided with our address visible [hmugh the envelope window; the envelope cannot co lftain more than one payment or coupon; and there can he no stogies, paper clips, tape or correspondence included with your payment It your paymem is in accordance with our paymem instructions and is made avaiable to us on any day except December 25 by 7:00 p.ln. local time at our Payments address on [his statemeid, we will credtt the payment to your aeeoum as m [hat day. If your payment is in accordance with our payment instructions, but is made available to us after 1'DO p.m. local time at our Payments address on this statemem, we will credit it tb your account as of the next day. If you do not follow our payment Instnlctlans or tt your payment fs not sent by regular U.S. mall to our Payments address, credttlnp of your payttten[ may be delayed for up [0 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 tar Ihose paymems. Account Information Reported to Cred'd Bureaus: We may report imormation about your account to credit bureaus. Late payments, missed payments or other defaults on your account maybe reflected in your credit report. Ityou think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement Notice About Electronic Check Conversion: When you pay by check. you authorize us etther to use Inormation from your check to make a one-time electronic Lund transfer from your account or to Drocess the paymem as a check transaction. When we use information From your check to make an electronic fund transfer, funds may oe withdravm Imm your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institutlon. Call the Customer Service number on this statement if you have questions about elemrmnic check collection or do not want your payments collected electronically. Conditional Payment: Any payment check or other form of pa merit [hat you send us for less than the full balance due that is marked 'pad in hell' or contains a similar notation, or that you othervdse tender in full satisfaction of a disputed amount. must be sent to Card Services, P.O. Box 75049. Wilmington, DE 1985D-5049. We reserve all our rights regarding these 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 check 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 destroyying i[. All other paymems that you make should be sem to the regular Pa merits address shown on this sta[emem. Mnual Renewal Notice: If your account has an annual fee, h will be billed each year or in monthly installments, whether or no[ you useyour accoum, and you agree to pay d when billed. The annual lee is non- refundable unless you notify us that you vuish to close your account wthin 30 days of the date we mail your statement an which the annual fee Is charged and at the same time, you pay your outstanding balance in lull. Your payment o1 the annual fee does not affect our rights to close your accoum and to limit your right to make transactions on ymur account. I(your account is closed by you or us, we will continue ro charge the annual tea until you pa your outstanding halance in full and terminate your aaounl relationship. ExPlanaflon of Flnarrce Charg®: We calculate periodic finance charges, usng the applicable periodic rates shown on this Statement, separateN for each feature (e.g.,balance Iransfedcanvenience checks and ces advance checks (check transaction'), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculadons may combine different categories with the same daily periodic rates. If there Is a "V' next to a periodic rate on [h IS statement. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmemher Agreement, as amended. There is a minimum finance charge in arty billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or Check transactlon, In the amoums stated In your Cardmember Agreement, as amended. Ta get the daily balance far each day of the current hilling cycle, vm take the beginning balance for each feature, add any nets transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments Transactions are added as a1 the transaction date, the beginning of fife billing cycle in which they are posted toyour aceount, a a later date of our choice (except [hat check transactions are added as of the date deposited by the payce or a later date of our choice). Fees are added either on the date of a related transoction, the date they are posted to your account, or the last day of the billing cycle. This gives us thm day's dally balance. A credit balance Is treated as a balance of zero. If a daily pedodic rate applies to aryfeafure, we mumpy the dairy balance by the dally periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dairy balance to get the beginning balance for the next day. (IF more than one daily periodic rate could apply based an the average dairy balance, we vriN use the daffy periodic rate that applies for the average daffy 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 hilling cycle when a daily periodic rate(s) applies, wt add aN of the daffy periodic finance charges for all features. To determine an average daily balartee, vre add your daffy balances and divide by Me number of the days in fife applicable billing rycle(s}. If you mulupry the average dally balance for each feature by the aDPlirable daily periodic rate, and [hen muttipy each of these results by the number of days in the applicable billing cycle(s), and then add all el the results together, the total will also equal the periodic finance charges for the billing cycle, except for mrnar variations due to rounding. Ta get your total periodic finance charge for a billing cyYcle when a monhly periodic rate(s) applies, muttipy the average dairy balance for each feature by the applicable monthy periodic rate and add the resuks together. The total will equal the periodic finance charges for Ehe billing cycle, except for minor variations due to rounding. Grace Period (at least 2D days): We accrue periodic finance charges On a trall$aCtiOn, lee. dr finaaCe Charge 1r01n the data II i5 added t0 your daily balance until payment in lull is received on your account However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both p merit o1 your New Balance on your currem statement by the date and time your paymem i$ due and also payment of your New Balance on your previous statement by the date and tlrne your paymem was due. There Is no grace period for halance transfers. cash advances. check transactions. or overdraft advances. BILLING pIGHTS SUMMARY In Case o1 Errors or Questions AhoW Your Bill: If you think your bill is wrong, or it you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Baz 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 80 days after we sent you the firs[ 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 iMormation. • Your name and account number • The dollar amount of the suspected eror • Describe the error and explain, if you can, why you believe there is an error. If you need more Infomtatlon, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the pads m your bill that are not in question. White we ictvestipate your question, we cmtnot report you as delinquent or take acdon to collect cha amount you questlon. If you have authorized us to pay your credtt card bill automatically Irom your savings or checking account. you can stop the payment on arty amount you think is wrong. To stop the payment your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least Ihree business days before the automatic payment is scheduled to occur. Special Rule for CredR Card Purchases: If you have a problem with the quaky of goods or services that you purchased e~ith a credit card (excluding pumhases made with a check), and you have tried in pond faith to cored the problem w¢h the merchant, you may not have to pay the remaining amount due on the foods or services. You have this protection ony when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mailing address. These limitations do not appy i1 we ovm or operate the memhaM, or if ra mailed you the advertisement for the pmpery or services. WN714a9 47 of 57 Paymem Due Date New Balance Past Due Amount Minimum Payment 08/22/09 $11,940.13 $1,112.00 $2,290.13 Account number: 4266 8411 7579 2520 Make your ctxek payade to: Chase Card 3ervlces. Please wrhe amount enclosed. New address a e-mfltl9 Print on beds. 42668411757925200D22901301194D13DODD005 79088 QIX 920909 C DANIEL HAUSER 833 HERITAGE CT MECHANICSBURG PA 1 7050-18 57 t: 5^OD 16^ 28t: 20 3 i i 7 5 79 2 5 2^ 4tta CHASE ~ CARDMEMBER SERVICE PO 80X 15153 WILMINGTON DE 19866-5153 ~,. °~z Statement Date AMERICAN 06/29/09 - 07/26!09 ® Mana ur (~~ KENNEL CL316" ® gcro account onliru: ~~ Minimum Payment: $2,290.13 www.chasemMaetl¢cards Payment Due Date: 06!22/09 Additional contact information ACCOUNT SUMMARY VISA Aeeeu nt Number:4266641175792520 convenienty loceled on reverse side Previous Balance $11,940.13 ~ Total Credit Une $11,000 New Balance $11,940.13 Availabe Credit $p Cash Access Line $2,200 Available for Cash $0 You haven't made the required payments and your credit card account is 90 days past due_ As a result, yolyr credit bureau maybe updated with a negative 2ting. Please send your payment immediately or call us at 1-600-955-8030 (collect 1-302-594-8200) lotlay_ FINANCE CHARGES FnancaCharge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FlNAN CE Category 30 days in uyde APR Balance Periodic Rate Service Charge Fn Charge CHARGES Purdtases .00000% 0.00 % $0.00 $0.00 $0.00 $0.00 50.00 Cash advances .00000% 0.00 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00 % $0.00 $0.00 $0.00 ~ $0 00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see Inionnation About Your Account section for balance cornputalion method, grace period, and other important inlonnation. 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 -inducting transaction tees such as cash advance and balance Vander fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIa33338 C 3 000 V 9 20 098728 Page 1 d 1 00002 AAA MA 19088 209100000300019069501 J( INS13913 44 of 57 Address Change Request Please provide information below only ii the address information on from is incortect. Street Address: _ - __ City: _ _ ___ State: -_ Zlp. .--- - Home Phone: .-- ____ Work Phone: ___ __ ____ E-mail Address L To contact us regarding your account: O By Telephone: In US. 1-888-305.4016 ' Espanol 1-888-44G3308 TDD 1-600-9658060 good In ulries to: q Mail Paynrenb to: Visit Our Websfte: Pay by phones-B00-43G7958 P.O. Box 75290 P.O. Box 15753 wwyy rh a=e corrJcred trard= Outside U.S. call cdleQ . Vhrmington, DE 79850-5298 Wilmington, DE 1 9886-5 7 53 1-302-594.8200 Information About Your Account Crediting of Paymams: For payments by regular U.S. mail, send at least your minimum payment due to our Payrrrems address shown on this statement. Your payments by mail must campy vd[h the instmctions on this statement, and must De made by check or money order, payable in U. S. Dollars, end drawn on or payable through a U.S. financial institution Or the U.S. branch o1 a foreign financial institution. Do not send cash. Write your accOUM number on your check or money order. Payments must be aaompanied by the paymem coupon In the envelope provided with our address vlslble through the envelope wintloty; the envelope cannot colaain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included wifi your payment tt your aymem is in accordance with our payment instru0[ion5 and is marPe available to us on arty flay except December 25 by 1:00 p.m. local time at our Payments address on this sfatemerd, vre will croda [he payment to your accoum as m [hat day. If your payment is in accordance vrith our payment instmctions, but is made available [o us after 1.00 p.m local time at our Payments address on this statemem, we will credtt it to your account as o1 the next day. If you do not follow our payment Ins[mctlons or tl your payment Is not sent by regular U.S. mall to our Payments address, credDlnq of your payment may be delayed for up to 5 days. Payments ma0e electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing limas tlisdose0 for those paymens. Aceount Information Reported to Cretlil Bureaus: We may report information about your account to credit bureaus. Late pa ingots. missed payments fir other defaults on your at00um may be reflected in your credit report. If you think we have reponed inaccurate inlonnation to a credit bureau, you may vnde to us at the Inquiries address shown on this statement Notice About Electronic Check Conversion: When you pay by check. you authorize US ehher [O USe ImOtmet100 from your Check 10 n7ake a one-time electronic Lund transfer from your account or to Drocess [he payment az a check transaction. When we use information From your check to make an electronic hind transfer, funds may ce withdrdrm from your account as soon as the same day we receive your paylnenl, and you vrill not receive your check back from your Dnancial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected elec7ronically. Conditional Payrnenfs: Any pa ingot check or other form of payment that you send us far less than the Lull balance due that is marked 'paid in full' or contains a similar notation, or that you otherwise tender in toll 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., tt i[ Is tletennined [here is no valid tlispute or it any such check is received at any other address, we may accept the check antl you will still owe any remaining balance). We may refuse to accept arty such payment by returning it to you, not cashing it or destroyying it. NI other paymens tttatyou make should be sem to the regular Pa meets address shown on this statemem. Mnual Renewal Notice: If your account has an annual tea, b wltl be billed each year or in mo nthly installments, whether or not you u se your accoum, and you agree to pay d when billetl. The annual fee is non- refundable unless you natty 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 tjmq. yqu pay your outstanding balance in lull. Vour payment of [he annual fee does not affect our rights t0 close your accoum and to limit your ngm m make transactions on .your account. If your account is closed by you ar us, we will continue [o charge the annual tee unDl you pa your outstanding balance in full and terminate your account relationship. Explanef Ian or Flna rlra Charge,: We calculate periodic finance charges, using the applicaDl¢ periodic rates Shown On this statemem, separately for each feature (e.g.,balance transferlconvenienca checks and cash atlvance checks ('check [ransadion`), purchases, balance transfers, rash advances, promotional balances or overdraft advances). These calculations may combine diflerem categories with the carne daily periodic rates. It there is a `V` next to a Derlodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are descnhed In your Cardmembu Agreemem, as amended. There is a minimum finance charge in any billing cycle in which you rnve any periodic finance charges, and a transaction finance charge far each balance transfer. cash advance, or check transaction, in the amoums stated In your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for eacA feature, add arty new transactions or other debits (inclutling fees, unpaid finance charges and other charrggeess), subtract any payments or credits, and make other adjustments. Transacdans are added as o7 the transaction date, the beginning of the billing cyele tit which they are posted to your aaaunt, a a later date of our choice (except that check transactions are added as of the date deposged by the payee or a later tlate Of our choice). Fees are added either on the date of a related transaction, [he date they are postetl to your accoum, or the last day of the billing cycle. This gives us that day's dally balance. A credh balance is boated as a balance of zero. If a daily periodic rate applies to arty feature, uve muhipy the daiy balance by the dally periodic rate to get your periodic Dnance charges for [hat day. We then adtl these periodic finance charges to your daiy balance to get the beginning balance for IDs next day. (If mare than one daily periodic rate could apply hosed on the average dotty balance, the wDl use the daiy periodic rate that applies for the average daiy balance amount al the end of the billing cycle to calculate the daily periodic tlnance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add aN of the daily parodic finance charges for aN features. To determine an average dairy balance, we add your tlaity balances and drv~de by the number of the days in the applicable bilhnp cyGe(s). It you multiply the average daily balance for each feature by the aDDligDle daily periodk rate, antl then muhipy each of these results by the number of days in the applicable biting tycle(5), and then add all el the results together, the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a bllring ccyycle when a monthly periodic rate(s) applies, multiply the average dalq balance for each feature fry the applicable monthy periodic rate and add the resuhs together. The total vdll equal the Deriotlic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 2D days): We aurue periodic finance charges on a transaction, fee. or tlnance charge from the date It is added to your daily balance until payment in lull is received On your account However, we do not charge Deriodic finance charges on new purchases billed during a billing cycle ii we receive both pa ingot o1 your New Balance an your currem 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 paymem was due. There Is no grace Derod for balance transfers, cash advances, check transactions. or overdraD advances. BILLING RIGHTS SUMMARY In Case of Errbrs or Questions About Your Bill: If you think your bill is wrong, or i1 you need more iniormalion about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 75299 wlmington, DE 19850-5299 as soon as possible. We must hear ham you no Ia1er than 60 days alter we sent you the first Dill on which the error or problem appeared. Vou can telephone us, but doing so trill not preserve your rights. In your letter, give us the following information. • You r name and account number • The doaar amount Of the Suspected error • Describe the error and explain, if you can, why you belileve 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 investigating, but you are still obligated to pay the pads m your bill that are not in question. while we investigate your question, we cannot report you as delinquent or take acdOn t0 collect the amount you question. If you have authorized us to pay your credh card bill automatically tram your savings or checking account, you can stop the payment on ant amount you Nink is wrong. To stop the payment. your letter or call (using the Inquiries address or Custome r Service telephone number shown on this statement) mull reach us at least three business days before the automatic payment Is scheduled [o occur. Special Rule for CredR Card Purchases: If you have a problem wtth the quality Ot 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 tvah the merchant, you may not love to paydhe remaining amount due on the goods orservices-You have this protection any when the purchase price teas mare than $50 and the pumhase was made in your home stale or within 100 miles of your mailing address. These limhations do not apply i1 vre ouch or operate the mereham, or if eve mailed you the advertise meet for the property or services. NA171908 45 of 57 Payment Due Date New Balance Past Due Amount Mlnlmum Payment 09!22/09 $,,.940.,3 $,.350.00 $2,529.,3 CHASE Account number: 426684,1 7579 2520 Make your ehpdt lxyaWeto: Chax Card Servlen. Please wrhe amount enclosed. New address or e-mel? Print on bade. 4266841175792520DD25281301194D1300DDDDDDDDDDD01 18842 aIX 9 24008 C DANIEL tiAUSER 633 HERfTAGE CT MECHANICS BURG PA 17050-1857 t: 500D i6^ 28~: 20 3 i i 7 5 79 2 5 2D41r CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5,53 ~ Statement Dater AMERICAN 0729!00-08/28!09 Mane uraaoun[online: (~~ KENNEL CLUB- ~ 9e Yo +,....: www.chase coMCreditrartl= Minimum Payment: $2,528.13 Payment Due Date: 09l22lD9 ACCOUNT SUMMARY Account Nu mt Previous Balance $11,940.13 Total Credit Une New Balance $11,940.13 Avadade Credit Cash Access Line Availede toy Cash Additlonal contact inromation conveniently located an reverse sitle rer: 4266 6411 7579 2520 $11,000 ~ , $2,200 It's not too late io resolve the outstanding balance on your aedit card acuunt. We have a variety o1 payment options that may be right for you. Call 1-888-792-7547 (collect t-302-594-8200) today. FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Corresp Average Daily Due To Fee/ Acarmulated FlNANCE Category 31 days in cyde APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purdrases Y 0821fi% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V .08216% 29.99 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance iransler V .08216% 29.99 % $0.00 $0.00 $0.00 $0.00 $0.00 Total finance cherg es $0 00 Efiectfve Annual Percentage Rau (APR): 0.00% Please see Intonnation About Your Account section for balance computation method, grace period, and other imponant information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The EHeaive APR represems your total finance charges - indutling transaction tees such as cash advance and balance transfer leas -expressed as a percentage. IMPORTANT NEWS 161 Dog breeds. 4, Cat breeds. 1 Place. 2 days to meet them Join the AKC 6 Cat Panders' Association for "Meet the Breeds" Oct 17-18, 2009 www.meetthebreetls.mm Jacob K. Javits Convernion Center, New York, NY Presented by PetPariners, Vour Partner in Pet Heatlh Care This Statement is a Facsimile -Not an original 0000001 FI533335 C 3 000 V 9 29 099929 Pape 1 d 1 00092 AAA MA 78862 24010000030001681201 R 42 of 57 Address Change Request Please provide informaton tCebw only ii the address information on front is inrbmect. Street Address: _ _ City: State: Zip: Home Phone: Work Phone: E-rneil Address: L To contact us regarding your account• By Tckphonc: © In U.S. 1.880.3054016 7 ~/I ^ ~l •J® Espanol 1-BBB-446-3308 TDD 1 -800-955.8060 Send In ulries [o: q Mall Paymcnb to: Visit Our Wcbsitr Pey by phones-800-436-7958 P.O Box 15298 P.O. Box 15153 www rhase coMcredilcards Outside U.S. cell collect . W~Imington; DE 19&545298 Wilrt9ngton, DE 1 9886-51 53 1.302-594-8200 Information ADOUI Your Account Crediting of Paymems: For payments by regular U.S. mail, Send a[ least your minimum payment due to our Payments address shown on this statement. Your payments Dy mail must compty tri[h the instrucDons on this statement, and must De 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 institetion. Do rim send cash. Write your acc0urd number on your check or money order. Paymems must be accompanied by the payment coupon in the envelope provided with our address visible through [he envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or cortespondence included vvidt your payment. Ii your paymem is in accordance with our payment mstroctions and is made avagable to us on any day except December 25 by 1:00 p.ln. local time at our Payments address on [his sta[eme~n, we will credtt the Daymen[ to your accoum az of that day. If your payment is in accordance with our paymem instructions, fief 2 made available to ui after 100 p.m. local time at cur Payments address on this statement, we will credR it to your account as m the neM day. If you do not fogow our payment Instnlctlons or g your payment Is no[ sent by regular U.S. mail to our Payments address, credging Of your payment may be delayed for up to 5 days. Paymems made elepronicelly through our au[ortutted telephone service, Customer Service advisors, Or our web site will be subject to arty processing times tlisdosed for those payments. Accoum Information Reported to Cred'A Bureaur. We may report information about your account [o credit bureaus. Late pa merits, missed payments Or other defaults on your accoum maybe reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may urine to us al the Inquiries address shown on this statement Notice About Eleelmnic Check Conversion: When you pay by check. you alahodze us egher to use information from your check to make a one-time electronic tudd transfer from your account or to process [he paymem az a check transaction. When vre use Information from your check to make an electronic hind transfer, funds may be wahdrarrn from your account as soon as ins same day vre receive your payment, and you will hat receive your check back from your financial ins[ilution. Call the Customer Service number on This sW[emant if you have questions about elecranic check collection or do not wain your payments collected electronically. Conditional Payments: Any payment check or other form of W merit [hat you send us for less than the tut l balance due that is marked 'pad in full' or contains a similar nmaaon, or Thal you otherwise tendu in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 1985D-5049. We reserve all our rights regarding these paymems (e.g., ff it is determined [here is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may rehire to accept arty such payment by returning it to you, not cashing it or destroy~'rig it. NI other paymems that you make should be lain to the regular Payymerits address shown on Ws statemem. Annual Renewal Notice: If your account has an annual tee, a will be billed each year or in monthly installments, whether or not you use your accoum, ark you agree to pay a when billed. The annual fee is non- refundable uMess you notify us that you wish to close your account within 30 days of the date sue mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in lull. Your payment of the annual fee does not afted our rights to close your accoum and to limit your right [o make transactions on your accoum. It your accoum is closed by you or us, we will continue to charge the annual tea until you pay your outstanding balance in full and terminate your aaount relationship. EaPlanation o1 Finarree Charges: We calculate periodic finance charges, using the appkcable OeriodiC rates shOvm oft this statement, separately for each feature (e.g.,balarxa transfer/convenience checks and cash advance checks ('check transaction'), purchases, balance transfers, rash advances, promotional balances or overdraft advances). These calculations may combine differem categories vdth the same daily periodic rates. If there Is a "V' next to a periodic rate on this statement. that rate they vary, and Ina index and margin used td determine that rate and as corresponding APR are described In your Cardmember Agreemem, as amended. There is a minimum finance charge in any billing cycle in which you Duce any pedodic finance charges, and a transaction finance charge for each balance transfer. cash advance, or Check IransaCdon, in the amoums stated In your Cardmamber Agreement, as amended. To get the daily balance for each day of the current billing cycle, we lake the beginning balance for each feature, add arty new iransacuons w other debits (including fees, unpaid finance charges and other charrgges), sutrtracl any payments or credits, and make other adjustments. TransacdOns era added az of the transaction date, the beginning of the billing cycle in which they are polled to your account, or a later date of our choice (except that check transactions era added as of the date deposited trythe payee ore later date of our choice). Fees are added either on the date of a related transuction, the date they are posted to your account: Or the last day of the bgling cycle. This gives us that day's daily balance. A credtt balance is treated as a balance of zero. IF a daily periodic rate applies to arty feature. the mulDpty [he defy balance I>y the daily periodic rak [o get your periodic finance charges tar [hat dap. We [hen add these periodic finance cha rgea to your dairy balance to gat the beginning balance forthe next day. (If morethan one daily periodic rate could apply based on the average dairy balance, we wig use the daily periodic rate that applies fa the average daily balance amount at the end of the billing cycle to calculate the daily periodic ilnance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add aN of the lady periodic finance charges for all features. To determine an average dairy balance, vre add your daffy balances and divede Dbryy the number of the days in the applicable billing cycle(s). II you muldpty the average daily balance for each feature by the applipDle daily periodic rate, and [hen multipty each of these results by cha number of days in the appliahle bgling cycle(s), and then add all al the results together, the total will also equal the periodic finance charges for the billing cycle. except For minor variations due to rounding. To get your total peiiodic finance charge tar a billing cycle vAten a monthly periodic rate(s) applies; multiply the average dally balance for each feature by the applicable monthy periodic rate and add the casual together. The toW vrill equal the periodic finance charges foc the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee. ar finance charge horn the date it is added to yyour daily balance emit payment in lug is received on your account Horrever, we do not charge periodic finance charges on new pumhases billed during a billing cycle tl we receive both pa merit of your New Balance on your terrain 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 dine your paymem was due. There Is no grace ped[xJ I0r balaOCe transfers, Cash 8dvanCe3, Check tranS8C50ns; or overdraft advances. BILLING NIGHTS SUMMANY In Case o1 Erron or questions About Your Bill: If you think your bill is wrong, or i1 you need more information abom a transaction on your bill, wrtte Customer Servke on a separate sltaet a[ P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the firs[ bill on which [he error or problem appeared. You can telephone us, but doing so swill not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amoum of the suspected error • Describe the error and explain, if you can, why you believe there is an error. li you head more infortnadon, describe the Item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated fo pay the parts of your bill shat are not in question. tARtile we investigate your question, we cannot report you az delinquem or take actlon to collect the amount you question- If you have authorized us to pay your uedit card bill automatically from your savings or checking account, you can stop the payment on arty amount you think is wrong. To stop the payment. your letter or call I using the Inquiries address or Customer Service telephone number shown on this statement) mull reach us at least three business days before the automatic pa merit is scheduled to occur. Spectal Rule for CredN Card Purchases: If you have a problem wtth the quality of goods or services Ihat you purchased with a credit card (excluding purchases made with a check), and you have cried in good faith to correct the problem wnh the merchant, you may no[ have to pay the remaining amount due on the goods or services. You have this protection Doty when the purchase pots was more Than $50 and the purohase was made in your home State or within 100 miles Oi your mailing address. These kmitati0ns do not appy i1 sue own or operate the mercham, or if vre mailed you the advertisement for the property or services. unntaoa 43 of 57 Payment Due Date New Balance Past Due Amount Minimum Payment 10@3/1» $11s4o 13 $1.66.00 S2,766.13 CHASE Pi Account number: 4266 8411 7579 2520 ,r, Make your check payade to: 4Y~. Chase Card 9erviees. Please write amount enclosed. New etldress d email? Print on bark. 4266841175792520DD276613D1194D13DDDDDDDDDDOODD7 17093 aD(9 277 O8 C DANIEL HAUSER 633 HERITAGE CT MECHANICS BURG PA 1 70 50-1 6 57 1:5^DD L6^ 281: 203 i L 7579 25 20411• CARDMEMBERSERVICE PO BOX 15153 WILMINGTON DE 1 9 68 6-51 53 ~w Statement Date: AMERICAN o6/2e/os - 09/28/09 ~~• KENNEL CILB- ~ Manage youraaoun[onllne: www.chase.coMded'aca d• Minimum Payment: 52,766.73 - Payment Due Date: 70/23/09 Additlonal eontaG information ACCOUNT SUMMARY Account Number: 4266 6411 7579 2520 conveniently located an reverse side Previous Balance $11,940.13 Total Credit Line $11,000 New Balance $11,840 13 Availade Credit $0 Cash Access Line $2,200 Availade for Cash $0 You haven't made the required paymerns and your credit card account is 150 days pest due. You can still turn things around. Call us Today at 1-688-792-7547 (collect 1-302-594-8200) so that we can Lind a solution for your situation. i FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FlNANCE Category 31 days in cyde APR Balance Periodic Rate -Service Charge Fn Charge CHARGES Purdtases V 06216% 29.99 % $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V .08216% 29.99 % $0.00 ~ $0.00 $0.00 $0.00 $0.00 Balance Vanster V 06216% 29.99% $O.DO $0.00 $0.00 $0.00 $0.00 Total finance charges $0 00 Effective Annual Percentage Rate (APR): 0.00% Please see Intortnation About Your Accourn section for balance computation method, grace period, and other imponant information The Correspontling 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 - inducting lren sadion Tees such as cash advance and balance transfer tees -expressed as a percentage. iIMPORTANT NEWS 161 Dog breeds. 41 Cat breeds. 1 Place. 2 days to meet them. Join the AKC 8 Cat Panders' Association for "Meet me Breeds" Oa 17-18, 2009 www.meettheGeeds.oom Jacob K. Javits Convernion Center, New Yak, NY Preserned by PetParlners, Your Padner in Pet Heetth Care This Statement is a Facsimile -Not an original 0000001 FIS33335 C 3 000 V 9 29 09N928 Pape 1 ar 1 00092 MA MA 1 ]093 271 t 0000030001 ]09301 X 40 of 57 Address Change Request Please provide iMOrmation below only ii the address information on from is incortect. Street Address: City: _ _ ___ State: __ Zip. ---- - Homo Phone: .-- __ ____ Work Phone: ___ ___ ____ E-mail Address To contact us regarding your account: By Telephone: ' ^ ® In U S. 1-e B6-305-4016 ~ J® Espanol 1-868-446-3308 Send Inquiries [o: Mall Pa TDD i-600%56060 ymen[s to: Visit Our Website: Pay by phanet-800-43E7%8 P.O Box 15298 P.O. Box 15153 wmvchase com4red trard~ Outside U.S. call cdleC Wilmington, DE 198545298 Wilminp[on, DE t 9886-5153 1302-594~fl200 Information ADOU1 Your ACCOUnI Croditing of Paymema: For payments by regular U.S. snail, send at least your minimum payment due to our Payments address shown on mss statement. Your payments by mail must compty vAth [he instroctions on this statement, antl must be made by check or money order. payable in U.S. Dollars, and dravm on or payable through a U.S. financial insDlulion or the U.S. Drench of a foreign financial institution. Do rim send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon In the envelope pmvlded with our address vlslDle through the envelope window; the envelope cannot contain more than one payment or coupon; and there can he no staples, paper clips, tape or correspondence incl udetl wim your payment. If your paymem is in accordance write our payment instructions and is made available to us on any day except December 25 by 1:00 p.ln. local time al our Payments address on mis statement, we vdll Credo [he Dayntent to your accoum as of that tlay. IF your payment is in accordance write our payment instructions, but is matle available to us after 1'00 p m local time at our Payments address on this slatemem, we will credn it to your aaount as o1 the next day. I1 you do not follow our payment Istructlons or h your payment is not sent by regular U.S. mall to our Payments address. credltlnp of your payment maybe delayed for up to 5 days. Paymems made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times tlisclosed far those paymems. Aceoum Information RepoAed to CredB Bureaur. We may report information about your account to credit bureaus. Late payments. missed payrne nts ar other defaults on your account maybe reflected in your credit report. If you think we have mported inaccurate information to a credit bureau, you may wine to us at the Inquiries address shown on this statement Notice About Eleclronie Check Conversion: When you pay by check. you authOdze US enher [0 USe ImOrmatl0n from yOUr Check 10 make a one-time electronic Lund transfer from your account or to process the paymem az a check transaction. When we use Information from your check t0 make an elecronic fund transfer, funds may be wnhdrawn from your account as soon as the same day we receive your payment, and you will riot receive your check back from ymu financial institution. Call the Customer Service number on This statement if you have questions about electronic check cogection or do not exam your payments collected electronically. Landilional Payments: Any payment check or other form of pa merit [hat you send us far less than the full balance duo 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 sent to Card Services, P.O. Box 15049. Wilmington, DE 1985D-5049. We reserve all our rights regarding mesa payments (e.g., n it is determined [here Is no valid tlispute or if any such check Is received at any Omer address, we may accept the check and you will still owe any remaining balance). We may refuse to accept arty such payment Dy returning it to you. eat cashing H or destroying it. All other paymems that you make should be sent to the regular Payments address shorm on mss sta[emem. Annual Renewal NOTICE: If yOUr aCCOUn[ has 8n annual te8, h will bB billed each year or in monthly installments, whether or not you use you r accoum, and you egret to pay it when pilled. The annual ice is non- refundable 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 lime, you payyour outstanding balance In full. Your payment of the annual fee does not affect our rights 10 close your accoum and to limit your right to make transactions on your account. If your account is closed by you or us, we trill continue to charge the annual fee until you pa your outstanding balance in full and terminate your aaount relationship. Explanation or Fina rxB Cftarges: We calculate periodic finance charges, using the applicable periOdiC mteS Shown On this Statement Separately for each teamre (e.g.,balance Imnsierfconvenience checks and cash atlvancc checks ('check transaction'-), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine differem categories with me same daily periodic rates. If m8re is a "V' neM [o a periodic rate on mss statement that rate may vary, and the index and margin used to determine that rate and Its cmrespondhtg APR are described in your Cardmember Apreemem, as amended. Them is a minimum finance charge in any billing cycle in which you are any periodic finance charges, and a transaction finance charge for each balance tmnsfer, cash advance, or check vansactloq In the amoums stated In your Cardmember Agreemem, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new iransactlons or other tleWts (indudinp fees, unpaid finance charges and other charges), subtract any payments or credits, and make Other atljustmenis. Transactions are added az of the transaction date, the beginning of the billing cycle irl which they are posted to your account or a later date of our choice (except that check transactions are added as of the date deposited by the payce ore later tlafe of our choice). Fees are added either on the date of a related tmnsaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's dally balance. A credn balance Is [reatetl as a balance of zero. If a daily periodic rate applies to arryteature, the muhipythe daffy balance by me daily periodic rate to get your perladic finance charges for [hat day. We [hen add mesa periodic finance charges to your tlaiy balance to get the beginning balance tOr the next day. (If more than one daily periodic rate could apply based on the average daily balance, vve will use the daily periodic rate that applies forme average 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 daily periodic rate(s) applies, we add aD of the daily periodic finance charges for all leatums. To determine an average tlaity balance, we add your tlaity balances and divide by the number of the days in the applicable billing cycle(s). If you mulOpty the average daily balance for each feature try the applipble daily periodic rate, and then muhipy each of these results by me number of tlays 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 bilkng cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, rttUltlply me average dally balance for each feature by the applicable monhy periodic rate and add the resuns together. The teal will equal the periodic finance charges for the billing cycle, except for minor variations tlue to iountling. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee. or Bnance charge trorn the date It is added to yyour daily balance until paymem in lul is received on your account Horreve r, we do not charge periodic finance charges on new purchases billed during a billing cycle i1 we receive both pa merit of your New Balance on your curtain statement by the date and time your payment is due and ado payment of your New Balance on your previous statement by the date and time your paymem was due. There Is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors Dr Questions About Your Bill: If you think your bill is wrong, or i1 you need more information about a transaction on your bill, carne Customer Service on a separate sheet at P.0 Bax 15299 Wdminq[on. DE 19850-5299 as soon as possible. We must hear from you no later than 80 days after we sent you the 7irst hill 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 name and account number • The debar amount of the Suspected error • Describe the error and explain, if you can, vlhy you believe there is an error. It you need mot infomtadon, describe the item you are unsure about. You do not have to pay any amount in question 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 dellnquenl or take acDon to collect the amount you question. If you have authorized us to pay your credn card bill amomatirally from your savings or checking account, you can stop the pa/merit on arty amount you mink is wrong. To stop the payment your letter or call fusing the Inqnides address or Customer Service telephone number shown on this statement) must reach us at least f brae business days before [he automatic pa ant is scheduled m occur. Special Rule for CrodH CaN Purshases: If you have a problem wim the quality of goods or services that you purchased erith a credit card (excluding purchases made rrith a check), and you have tried in good lanh to correct the problem wen the merchant, you may no[ have to pay the remaining amount due on me goods or services. You have this protactlon Doty when the purchase pace was more than $50 and the purchase was made in your home state or within 100 miles or your mailing adtlress. These limitations do not eppry it we own or operate the mercham, or if we mailed you me advertisement for me property or services. t1A111408 41 of 57 Payment Due Date New Balance Pasi Due Amount Minlmum Payment 11!22/09 $11,940.13 $1,626.00 $2,064.00 CHASE Account number: 4266 8411 7579 2520 • Make your cltedt paytWeto: Chax Card Service. Phase vrtha amount enUOSed. New address or a-mail? Print on beUc. 4266841175792520002D64D00119401300DDDODOOOODDOD 21151 BIX a 3D109 C DANIEL HAUSER 633 HER RAGE CT MECHANICSBURG PA 170 50-1 8 5 7 ~:50DDL6D28t: 203 Li7579252D49• CAR DMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19686-5153 Statement Date: g .AMERICAN 09/29/0 9 - 10128N9 ® Mena a ur (~ KENNEL CLUB" ® 9 Yo account online: wuvw has cum/vela and Minimum Payment: $2,069.00 Paynxrtt Due Dam: 11122!09 ACCOUNT SUMMARY Additlonal eonta~ inronn•tion Aecouni Number: 4266 8411 7579 2520 oonvenientty located on reverse side Previous Balance $11,940.13 Total Credit Line $11,000 New Balance $11,940.13 Availade Credit $p Cash Access Line ~ $2,200 Availade for Cash $0 The outstanding balance on your aed it card account is scheduled to ba written otf as a bed debt shortly. As a result, your credit bureau will be updated wish a negative feting that could last for up to seven years. We can stilt help, but you need to call us now at 1-868-792-7547 (culled 1-302-594-6200). FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Corresp Average Daily Due To Fae! Acatmulated FlNANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V .08216% 29.99 % $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer V .08216% 29.99 % $0.00 $0.00 $0.00 $0.00 ~ $0.00 Total Tinan ce charges $0 00 Effective Annual Percentage Rate (APR): 0.00% Please see Intonnation About Vour Account sedion 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 trensaction category. The Etledive APR represents your to7al finance charges -including 7ansadion tees such as cash advance antl balance tran star fees -expressed as a percentage. IMPORTANT NEWS 167 Dog breeds. 41 Cat breeds. 1 Place. 2 days to meet them. Join the AKC a Cat Panders' Association for "Meet the Breeds" Od 17-18. 2009 www.meetthebreeds-cum Jacob K. Javits Convention Censer, New York, NY Presented by PetPartners, Your Partner in Pet Health Care This Statement is a Facsimile -Not an original 0000001 FIa33335 C 3 000 V 9 29 09H 020 Page 1 u11 00092 MA MA 21151 3011 OOD0030 00211 51 01 R 2 of 57 Address Change Request Please provide information below only ii the address intorrnation on from is incorrect. Street Address: _ _ _____ City. Slate: Zip: Home Phone Work Phone: E-mail Address: L To contact us regarding your account: © ey Telephone: In U.S. 1.-888-305.4016 r~ Espafiol. 1-e B8-446-3306 TDD 1-600-958-6060 Send In uiries to: 4 Mail Payments to: Visit Our Websi[e: Pay by Ph onel-800-436-7958 PO. Box 15296 PO. Box 15153 www che=e coMcretli[nrd~ Outside U.S. cep solace Wilmington, DE 19850-5 . 296 Wilrringlon, DE 19886.5153 1-302-594-8200 ' InlDnnallOn AGOn1 YOUr ACedallt '~ Crediting of Paymems: For payments by regular U.S. mail, send at ', least your minimum paymem due to our Payments address shown an Mis statement. Your payments by mail must compy vri[h [he instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and draem on or payable Itxough a U.S. financial institution or the U.S. branch of a Foreign financial institution. Do not send cash. Wnle your account number on your check or money order. Payments must be accompanied by the payment coupon to the envelope provided with our address vlslhle through the envelope wintlow; [he envelope cannot contain more than one payment or coupon; and there can he no staples, paper clips, tape or correspondence includetl with your payment It your paymem is in accordance with our payment instructions and is made avakable [o us on any day except December 25 by 1:00 p.ln. local time al our Payments address on [his sta[emern, we wile credit the Dayment to your accoum as of [hat day. If your payment is in accordance with our papmenl instructions, but is made available to us after 1 00 p. m. local time at our Payments adtlress on this statemem, we hill credo it to your amount as at the next day. II you do not follow our payment Instmctlons or fi your paylnen[ Is not sent by regular U.S. mall to our Payments address. credninp Dt your paynl8n[ may be delayed for uD [0 5 days. Payments made electronically lhrouyh our automated telephone service, Customer Service advisors, ar our web site will be subject to any processing times tlisclased for those payments. Account Informalian Reported to Credit Bureaus: We may report Information about your account to credit bureaus. Leta payments, missed payments or other defaults on your account maybe reflected in your credit report. IF you think we have reposed inaccurate information to a cretlit bureau, you may write td us at the Inquiries address shown on this statement Notice AbDW Electronic Check Conversion: When you pay by check, you authodze us ether to use information from your check to slake a one-time electronic Lund transfer from your account or to process the payment as a check transaction. When vre use intormatiorl from your check to make an electronic fund transfer, funds may be withdravm from your account as soon as the same day vre receive your payine nU and you will not receive your check hack from your financial institutlon- Call the Customer Service number On INS statement II you have questions about electronic check collection or do not want your payments cokected electronically. Conditional Payments: Any paqmast check or other form of paymen[ that you send us for less than the full balance due that is marked'peid in full' or contains a similar notation, or Ihat you otherwise tender in full satiSfadion of a disputed amount, must be sent to Card ServiteS. P.O. Box 150Q9. Wilmington, DE 1985D-5049. We reserve all our rights regarding these payments (e.g., 'd it is determined [here is no valid dispute or it any such check is received at any other address, we may accept the chock 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 destmyinp it. All other paymems that you make should be sem to the regular Payments address shown on this sta[emem. Annual Renewal Notice: If your account has an annual feo, h will be billed each year or in monthly installments, whether or rqt you use you r accourri, and you agree to pay g when billed. The annual Ice is non- reluntlable unless you notify us that you wish to close your account within 30 days Df the date lve mail your statement on which the annual fee Ls charged and at the same time, you pay your outstanding balance in lull. Your payment dl the annual feo does not affect our rights to close your accoum and to limit your right to make transactions on your account. If your account is closed by you Dr us, we will cardinue [o charge the annual tee until you pa your outstanding balance in full and terminate your atxount relationship. Explanation of Finance Charges: We calculate periodic finance charges, usng the applicable periodic rates shown on this statement, separately for each feature (e.g.-balance iransler/convenience checks and cash advance checks ('check transaction'), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V' next to o Deriodic rate on this stateman[. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are descnhed in your Cardmember reement, as amended. There is a minimum finance charge in any bi ling cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check Iransactlon, In the amounts stated In your Cardmember Agreemem, as amended, To gel the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, adtl any new transactions or other debits lincludinq fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. ransactlons are added as of the transacllon date, the beginning of the billing rycle in which they are posted to your accdun4 or a later date of our choice (except that check transactons are added as of the date deposited by the payce 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 tlay of the billing cycle. TNs gives us that day's dally balance. A cretltt baaance Is treated as a balance of zero. IF a daily pedotlic rate applies to any feature. vn mumpy the tlaity balance by the dally perlotlic rate to get your penodic finance charges for [flat day. We than atld these periodic finance chargges to your daffy balance [o get the hegirlning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, lve will use the daily periodic rate that applies fa the average daily balance amount at the end of the billing rycle to calculate the daily periodic finance charge each day.) To get your total periodic inance charge For a billing cycle when a daily periodic rate(s) applies, wt: add all 01 the daily penodie finance charges for all features. Ta determine an average dairy balance, vrq add your daffy balances and divide by the number of the days in the applicable billing cycle(s). If you mulOpty the average daily balance for each feature by the applipble daffy periodk rate, antl than mufiipy each of these results by the number of tlays in the applicable billing cycle{s), and then add all df the results together, the total will also equal the periodic finance charges for the billing cycle, except For mrnor variations due to rounding. To get your total periodic finance charge for a billing cycle when a rnon[hly periodic rate(s) applies, multiply tl1e average dally balance for 860h feature by the applicable monthy periodic rate and add the resuhs together. The total will equal the periodic finance charges for the biking cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges On a transaction, tee. Or fine me Charge froln the date it iS added t0 yyour deity balance umil payment in luk is received on your account Hevrever, we do not charge periodic finance charges on saw purchases billed dudng a bkling cycle it we receive both pa mast of your New Balance on your currem 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 tlrne your paymem was due. There is no grace period For balance transfers. Cash advances. check transactions, or overdraft advances. BILLING RIGHTS SBMMItRY In Case of Errors or Guestions Abdul Your BiII: If you think your bill is wrong, or i1 you need more inlormalion about a transaction on your bill, write Customer Service on a separate sheet at P.0 Box 15299 Wilmington, DE 19850-5299 as soon as passible. 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 vrill not preserve your rights. In your letter, give us the following information. • Yotlr name and account number • The dollar amount of the SuSDected error • Describe the error and explain, if you can, why you believe there is an error. N you need more informatlo4 describe the Item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligatetl 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 ques[lon. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you qan stop the payment on arty amount you think is wrong. To stop the payment, your letter or call (using the Inqui rtes addressor Customer Service telephone sum bar shown on this statemenU must reach us at least three business days before the automatic payment is scheduled to occur. Spoclal Rule for CredN Card Purchases: If you have a problem whtl the quality of pootls or services that you purchased vri[h a credit card (excluding purchases made vrith a check), and you have cried in good faith td 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 Doty when [he purcftase price was more Than $50 and the pumhase was made in your home stale or within 100 miles of your mailing address. These limhatians do not apply it we own or operate the merchant, or rf vre mailed you the atlvertisement for the property or services. 11A11140d 3 of 57 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff s Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ~ day of ~(~j/l~Q, , 2010 upon the following: Daniel Hauser 36 Robin Ct Mechanicsburg Pa 17055 By: Beh' mi R Bibler, Esquire Pa. .D.# 93598 Wet ,Weinberg & Reis, Co. 140 oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 7716394 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A, Plaintiff, vs. DANIEL HAUSER, Defendant. Case No.: 09-6934 CIVILTERM ORDER OF COURT AND NOW, to-wit, this day of 2010, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $12,752.42 with interest at the rate of 6.00% per annum from September 25 2009, Attorneys Fees of $300.00, plus costs. BY THE COURT J. WWR No. 7716394 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) ~~/~ TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court_ CAPTION OF CASE (entire caption must be stated in full) Chase. ~an\~ ~~. ~~. (Plaintiff) ~ a c, ~ ~. TJ ~ ~~f~ C_ ~ ~ _~ c5 ~__ ~_ ~,;,;~, J_ s ~ , ~ _ ~ o~~~~~ , _ ~ ~ ~~ ~= ~ (Defendant) ~. ~> "~ No. Q~-~ Civi1 1_ State matter to be argued (i_e., plaintiff's motion for new trial, defendant's darn~z~er to complaint, etc_ ): 1~~~'~ 1~~-hc~ ~ ~rnm ~ ~ ~ ~ ~ 2 . Identify counsel who will argue case : h ` ,, (a} for plaintiff: ~n\1a~~~ ~. ~~iJlS1~(l ~~ ~~JI.~~L Aaaress : i y o~ 1 <o 'CS '1314 ~ 1 ~~ ~~ q (b) for defendant: Address : ~ ~ 1 3. I will notify all parties in writing within two days that this case has been listed for arrnmant. 4. Argument Court Date: ~~\~~ l(~ T fnr la CERTIFICATE OF SERVICE A true and correct copy of the Praecipe to List Case for .Argument has been served by U. S. Mail, Postage Pre-Paid, on ~3 day o , 2010 upon the following: Daniel Hauser 36 Robin Ct Mechanicsburg PA 17055 By: Ben a ibler ,Esquire PA # 9 98 Wel an, einberg & Reis CO L.P.A. 1400 oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 ~, ~- .~ ~, it ~ _~,~ r ~ ~C^'~~; r u CC~:~a o~ -- .fir MS LO!~ f ~ € Yt IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, NA Plaintiff vs. DANIEL HAUSER Defendant. Case No.: 09-6934-CIVIL TERM TYPE OF PLEADING PRAF.CIl'E FOR JUDGMENT PER ORllER OF COURT FILED ON BEI-IALF OF: Plaintiff COUNSEL OF RECORD OF THIS PAR"I'Y: Benjamin R. Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 Judgment Amount $ 14,282.72 ~1'F•00 Pp ATN ~~90~4~85 ~~` a~J9~c~~ ~JorHbe U'.ac.~cP WWR No. 7716394 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, NA Plaintiff vs. DANIEL HAUSER Defendant. TO THE PROTHONOTARY: Case No.: 09-6934-CIVIL TERM PRAECIPE FOR JUDGMENT Pursuant to Pa.R.C.P. 237, I certify that a copy of this Praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record.. In light of the Court Order granting Judgment in favor of Plaintiff on August 18, 2010, kindly enter Judgment against the Defendants, Daniel Hauser, in the amount of $14,282.72 computed as follows: Amount Awarded per Order: $12,752.42 Interest from 09/25/2009 through 09/25/2010 at the legal rate of 6.00% per annum: $ 765.15 Attorneys Fees $300.00 TOTAL: $14,282.72 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG &REIS, CO., L.P.A. By: Benjam n bier, sq PA I.D. # 8 WELTM ,WEINBERG &REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 Plaintiff s address is: Weltman, Weinberg & Reis, 1400 Koppers Building, 436 7`~ Avenue, Pittsburgh, PA 15219 And Defendant's address is: 36 Robin Ct, Mechanicsburg PA 17055-4340 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WWR No. 7716394 CIVIL DIVISION CHASE BANK USA, NA Plaintiff Case No.: 09-6934-CIVIL TERM vs. DANIEL HAUSER Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff (xx) Defendants ( )Garnishee You are hereby notified that the following Order or Judgment was entered against you on /_p /5~/~ (xx) Assumpsit Judgment in the amount of $14,282.72, plus interest at 6% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent Prothonotary Daniel Hauser 36 Robin Ct Mechanicsburg Pa 17055-4340 By' 1 PRO NOTAR (OR DEP Y) WWR No. 7716394 1N THE-COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - CHASE BANK USA, N.A, Plaintiff, . vs. DANIEL HAUSER, Defendant. Case No.: 09-6934 CIVILTERM ORDER OF COURT AND NOW, to-wit, this ~b day of ~ ., s~ 2020, upon Plaintiff s ~--~- Mohan for Summary Judgment, IT IS HEREBY ORDERED, AD7UDGED AND DECREED that said IVZotion is GRANTED and Judgment is entered in favor of Plaintiff for $12,752.42 with interest at the rate of 6.00% per annum from September 25 2009, Attorneys Fees of $300.00, plus costs. ~~ CflPY F#+tOM R`E~O(fD 1~ ~ ~;.Et>4t~e. unto set my hand ~ ,. S e' ~;~~ ~ BCiltlisie, P~ ~. ~ W WR No. 77i 6394 Prott~o