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HomeMy WebLinkAbout09-8439SHAPIRO LAW OFFICE P.C. BY: Kenneth S. Shapiro, Esq. Identification No. 26850 33 Rock Hill Road, Suite 150 Bala Cynwyd, PA 19004 610-668-0707 Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff Vs. Mark E. Telencio 446 Big Spring Rd New Cumberland, PA 17070-3103 Defendant In The Court Of Common Pleas Cumberland County, PA • CASE NO. Dq - 8439 NOTICE aiv,11 1e-'M You have been sued in the Court of Common Pleas of Cumberland County, in the Commonwealth of Pennsylvania. 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 is served, by entering a written appearance personally or via attorney, by filing, in writing with the above captioned 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. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 SHAPIRO LAW OFFICE P.C. BY: Kenneth S. Shapiro, Esq. Identification No. 26850 33 Rock Hill Road, Suite 150 Bala Cynwyd, PA 19004 610-668-0707 Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff In The Court Of Common Pleas Cumberland County, PA Vs. Mark E. Telencio 446 Big Spring Rd New Cumberland, PA 17070-3103 Defendant CASE NO. COMPLAINT 1. Plaintiff, Four Seasons Investments, LLC, is a Pennsylvania limited liability company with its principal place of business at P.O. Box 213 Wynnewood, PA 19096. 2. Defendant, Mark E. Telencio, is an individual whose last known address is 446 Big Spring Road New Cumberland, PA 17070-3103. 3. On or about March 2, 2000, Defendant originally contracted with Chase Bank USA, N.A. ("Chase", predecessor in interest to Four Seasons Investments, LLC) for a Visa Credit Card Account No. 4325XXXXXXXX6452 (the "Account"; see Exhibit "A", Cardholder Agreement, attached hereto and made a part hereof). In accordance with Pa.R.C.P. 1019(i), Plaintiff states that the original application and agreement between Chase and Defendant is not accessible to the Plaintiff as it has not yet been provided to Plaintiff by Chase or its successors in interest. Accordingly, Plaintiff is unaware of the exact substance of the application or agreement at this time. 4. Defendant made purchases and payments by utilizing the Account from time to time. Account statements issued by Chase to the Defendant covering the periods from July 11, 2006 to June 10, 2007, July 11, 2007 to August 10, 2007, and September 11, 2007 to January 10, 2008 are attached hereto as Exhibit "B" and made a part hereof. In accordance with Pa.R.C.P. 10 1 9(i), Plaintiff further states that statements issued prior to July 11, 2006, between June 10, 2007 and July 11, 2007, and between August 10, 2007 and September 11, 2007, are not presently available as they have not yet been provided to Plaintiff by Chase or its assigns. The substance of the missing Account statements likely provides the details regarding charges made and payments credited to Defendant's Account prior to July 11, 2006, between June 10, 2007 and July 11, 2007, and between August 10, 2007 and September 11, 2007. 5. Defendant defaulted under the terms of the agreement in that he has failed to make any payments toward the balance due on the Account since August, 10 2007. 6. The Account was purchased from Chase by Turtle Creek Assets, Ltd. on September 10, 2009, and subsequently sold and assigned to Four Seasons Investments, LLC on or about September 18, 2009 in the ordinary course of business (see Exhibit "C"). 7. Plaintiff has duly made demand for payment from the Defendant, who has failed and refused to comply with said demand. 8. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C.A. Sec. 1692(g)(a) on September 28, 2009, Plaintiff's counsel sent a written notice to Defendant specifying (among other things) the amount of the debt, the name of the creditor to whom the debt is owed and a statement that unless the Defendant notifies the Plaintiff's counsel within the thirty-day period that the debt or any portion thereof is disputed, the debt would be assumed to be valid by the debt collector. (See Exhibit "D" attached hereto and made a part hereof). To date, Plaintiff s counsel has not received notification from Defendant that the debt is disputed. 9. In accordance with the terms of the account and the underlying agreement with Chase, Defendant is obligated to the Plaintiff, as successor in interest to Chase, in the amount of $11,224.77 (as of January 10, 2008), calculated as follows: Principal Balance due on Account $10,474.77 Attorneys' Fees Per Agreement $750.00 Total Amount Due $11,224.77 WHEREFORE, Plaintiff requests that this Court enter judgment in favor of Plaintiff and against the Defendant in the amount of $11,224.77 plus interest and costs. SHAPIRO LAW OFFICE P.C. intiff COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Peter Shapiro, being duly sworn according to law, deposes and says that he is the Managing Director of Four Seasons Investments, LLC; that he is authorized to make this affidavit on its behalf; and that the facts set forth in the foregoing complaint are true and correct to the best of his knowledge, information and belief. P &ShaMaangZing erector Sworn to and subscribed before me this day of Zece,mlo ,2009 Notary Public COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL . CARON A. SHAPIRO, Notary Public Lower Merton Twp., Montgomery County Commission Expires July 27, 2012 CRU16030 Cardmember Agreement ACCEPTANCE Of TINS AGIEENINIM This agreement governs your ere* card account with us rollowcad on the card carrier containinlift card ferthis account. Anyuse of yomaccou tis covw"bythis agreement Pious read the entire agreement and keep it for your records. You iuthorize us to pay for and charge your account for all transactions made on your account You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a on account each of you, together and inchQualy, is responsible for paying at amounts owed even it the account is used by only one of you. Please sign the back of your credit card when you receive it You will be bound by this agreement it you or anyone authorized by you use your account for any purpose, even it you don't sign your card. Whetter you use your account or not, you will be bound by this agreement unless you cancel your accountwithin 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words 'vve',*us' and'&me mean Chase Bank USA, NA, the issuer of your cradit card and account The words }ree','yooe and,"mrs' mean so persons responsible for complyk gwith ft agreement, including the person who applied for the account and the persee to whom we address baling statements, as well as any personwho agrees to beN"on to account Theword'eod'means one or more cards or otter access devices, such as account numbers, that we have awed to permit you to obtain era* underthis agreement. OSNIG Yawl ACCOUlR Your account is a consumer account and should be used only for personal, family or household 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 void and lawful transactions. For example, intemm gambling may be illegal in some places. it is not our responsibility to make sure that you use Vora account only for penmaoLle transactions, and you will remain responsible for paying for a transaction even it it is not permissible. Types at Tamsection: • Purchases You may use your card to pay for goods or services. • Ckects We may provide you cash advance checks or balance transfer checks as a way to use your account We also refw so them in this agreement as a check or checks. You may use a check to pay for goods or senricas, to transfer balances to your account, or for other uses we allow. But you my not use these cheeks to transfer balances to this account from otter accounts with us or any of our related companies. Only the person whose name isprinted on the dock 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 off er we make to you. We may treat checks thatwe cal converAmeschocks as bolancetransfw cheeks. However, checks that we call convenience checks and tatwe indicaled to you are subject to the teens for cash adwnces,mmy batreated as cash advances and assessed cash advance rates and fees. • Bolan* Imadem Yoe my transfer balances from other accounts or leans v" cow credit card issuer or odor leaders to tkls account, orother balance tratshm we allow But you may not transfer bakmces to this account from other accounts with us or any of our related companies. N a portion of a requested balance transfer will exceed your available credit access fine, we may process a partial balance transfer up to your available ere& access line. • CukAdvances- You may use your card to got cash from automatic War machines, or from financial insths6as accepting the card; or to obtain travolers checks, foreign currency, moneyofdem wirstracsfersorsimilar cash-Hue charges. or to obtain lottery tickets, casino gaming chips, race track wagers or for similar hurting transactions. You may also use a third party setvicatlo make a payment on your behalf and hill the payment to this account • Overdraft Adroseee: If you have an eligible checking account with rote of our related banks. you may fink ft account to your checking account with our related bank to cower an overdraft on that checking account under the term of this agreement and your checking account agreement. Sibling Cyete: In ruder to menage your account we ddividetime into periods called'biing cycles'. Each Wall cycle Is apporimately on month in length. For each calendar meeth, Vow account wig haw a billing cVdo dal ends in that month. Vow account will have a bilking cycle and'mhg in each calander month whether or art these is a bOitg statement for that billing cycle. Astmrised Users: N you allow someone to use your account. tat person will be an authorized uset You should NM carefully before allowing anyone to become an authorized user because you we slowing that person to use the account as you an. You will remain responsible for the use of your account and each card mumd 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 usK You may ro"m an additional card for use by an authorized Geer on year account. If you dose, this accowa may appear oaths creditrepoft of that authorized user, You must artily is sot terminate sit adlali W user's permission to use yam account If you ratifyus,w emaycosetbeaceoustandhrissueanewcurdercardswithadifferent account member. Yoe should also recover and destroy any cards, checks or any other masts of access to Vent account from dot authorized user. CrsditAccess LhwVow creditw4mm firm smears on your billing statements. The credit access fine as the nomomrm amount upon whits you nay deter payment. sublea to the rmnilmum payment die. There ampre-set spending emit for Vow account Instead. each charge's evaluated hand on 60 spending and paynsm papas see the account, your other robbonshipsw Wk us„informatontreat consumer creditreports obtained from credit bureaus including your apariesce with ether creditors, and our understanding of your L-rU_ personal resources. We may decline an authorization request for any transaction at any time as described in this agreement We also may request additional information from you at any time to evaluate a transaction request or Yow use of the account generally. Your billing statement may also show that only a portion of your credit access line may be used for cash advances. Cashadvances, includmgeashadvance cheeks, are charged against the cash advance portion of your credit access lihe, and all other transactions are charged against your credit access lure. You are rssportstbls for keeping track of your account balance, including any lees and finance charges. At ourdiseretan,we may increase, reduce, or cancelyourerodit access fine,or the cash advance portion of your credit access fine, at any time. However, if you have asked us notto doso, we will not incresseyour credit access ins. A change to your credit access line will not affect your obligation to pay us. Your credit access line may also be referred to as your revolving line. Amounts over your credit access One may also be referred to as your non-revolving has. International Transactions: International transactions include any transaction that you make in a foreign currency orthat you make outside of tiro United States of America even if it is made in U.S. dollars. N you make a transaction in a foreign currency, visa International or MasterCard International, Inc. will convert the transaction into U.S. dollars by using its respective currency conversion froceduns. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in ill wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective amity itself receives). or the government-mandated rata in effect on the applicable processing date. The rate in affect on the applicable processing date may differ from the rate on the dote you used your card or account We reserve the right to charge you an additional three percent (3%) of the U.S. dollar amount of any international transaction, wheturthat 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 providedto us by that entity. The some process and charges mayapplyif any international transaction is reversed. Refusal to Authorize Treasaction: 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. • it we suspect fraudulent or erlfewlW activity or, • in our discretion, for any othsr reason. We are not responsible for any bases it a transaction on your account is declined for any reason, either by us or a third party, wen if you haw sufficient credit available. For online transactions, we my require that you register your account with an authorization system that we select We will notify Veit % we want you to register. If you do not register, we may decline your online transaction& Rolual M Pay Chocks: 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 resern unpaid a check for any reason, including mho following examples, • We or one of our related companies is the payee on do check. • The check is post-dated. N a post-doted check is paid, resulting in another check being returned or not paid, we are not msponshble. • You beer used the check after the date specified on it • You are in default or would be f era paid the chock Lou or Swiss Cants, Chas orAecemot NhhnaI , N any card, chock, account number or other means to access yaw 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 Cardmmber Service telephone number shown on yaw card or billing statement Do not use your account after you notify us, even i 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, thek or unauthorized use related to your account You may be liable if there is unauthorized use of your account from which you receive no boneit, but you will not be liable for oars than SSfIOfi of such transactions, and you will not be liable for any such transactions made after you mollify 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. Wee rimy also require you to comply with certain procedures in connection with out investigation. PAYMEMS Payaeest Instructions: Your baling 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 drown on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check matey order or automaticdeftittlatwigbeprocesee . or honored by your financial irgtlbAOnt We will not accept cash payments. Mow told available credit may not be restored for up to 15 days after we receive your payment Any payment cheek or other fora of payment which you send to us for less than the full balance that is marked paid in ltd' or with a similar notation or dwyou otherwise tender in full satisfaction of a disputed amount Icondilionsd payments?, must be sent to us at the c, lid a not payments address fisted on your monthly statement. V% reserve all our rights regarding such payments. For example, it it is determined there is no valid dispute or if any such payment is received at &W otfor address, we my accept the payment and you will sell 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. Page 1 of 6 We reserve the right to electronically collect your eligible payment checks, at first pxesendnem and any represommem, from the bank account on which the chock is drawn. Our receipt of your payment checks is yaw authorization for us to collect the amount of the check aNctratica ft or, if needed. by a draft drawn against the bank account. Payment checks will be collected alaetronicaBybysending the check amount do" with the check routing and account numbers to your bank Your bank sccourn may be dabied as eady as the some day we receive your payment. The original payment check will be destroyed and an image will be maintained in our records. kkWOOM P"Mmot You awn to pay st least pile minimum payment due, as shown on your bt'pb+g stateteer>< so" we receive k by the dap and tare payment is dw. You may pay doom than the Minimum payment litre and may pay the hat amount you owe us at any time. M you have a balance that is subject to finance charges, the sooner you pay us,theNss you willpayin finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance fthe 'Now Balance' on your billing statement). M the New Balance is 510.00 or less, your minimum payment dun will be the New Balance. Otherwise. kwR be the largest of the following: S10.0Q 2%of the New Balance; ordo sum of I %of the New Balance, total biped periodic rate finance charges, and any billed late fees. As part of the mirria uer payment due, we also add any amount pan due and any amount over your credit atests Me. Paywamt Macadam You agree that we are authorized to allocate your payments and cri dts in a waythatis most favorableto or convenient for us. For example, you authorize us to apply your payments and or A w balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Balaetes; You may request a refund of s auk balance at any time. We may reduce the amrountof arty credit balance bythe amount of new charges or fees billed to your account Ademo c Droops: You may authorize a third party to saaomaticaky charge your account for repeat transactions (fur example, monthly udity charges, memberships and insurance premiums). Hautomatic charges am smppedforanyroeson (including because your account is closed or suspended for any reason) or your account mwruber changes, you anresponsible fornotifying tbe bier and paying those charges directly. N your account number changs% we may, but are not required to, pay from your newaccount number charges thatyou stathotbNto be hiked to your old account number. Praeatieaa: From time to time we may offer special terms for your account. If we do, we will notify you about the terms of the ofhwwW how long they will be in effect. Any promotion is subject to the terms of this agreament as modified by the promotional offer. F MANGE CHMES Doily Puriodie Rats and Anneal Partmalow Nation: Yaw so" Peaentage rape (,APRs'F and the carespehding daily p uladle man we bid an the Rates and Fees Table that is at the and of this docum ant at p wMed mpg** To gat the daily periodic rate we divide the APR by 361 and in oNect afveeys round up at the hhh place to the right of the decbnd point Variable RdewOneorMove APRatatapplytoyeraccountmywrywitrchangas to the prime Rate. When you have an APR dot series with charges to the Prime Rap, we calculate the APR by adding a margin w the Priers Rate published in rho Wall Sawt Jowaaftwo business days before the CNsing Date shownoa your billing statement The Trine Race' is the highest (U.SI Prime Row published in the Money Razes section of The WbNStnatiournat H The *W Sbarr.bwndsmps publishing the Prime Raw, we willselect a similar reference raw mad inform you en your biking statement or through a separate notice, A 'margin is the percentage via add a tat Pries Raw to calculate the APR. A businas day' is spry day that is not a weekend or federal holiday. The Rates and fees Taw shows which rates, il any, we variable nm& It abe Chats the margin for each variable rate and any minimwo daily, periodic tam and corresponding APR. Two business days before the (losing Dap sheet osyaw billisg awtament, we see whet the Prime (tea is.Ikfe ilea add plan appic" mergin*that Prima Rate to get the APR. The dally periodic rm is cskiiMd m dbftrbW oboe. H our calculation results in a change to a daffy ps rho t raw from do previous billing cycle because the Prime Raw has choogd, do new raw will apply as of the first day of your billing cycle that sleds in do caboader month in which we made the calculation. M the dailyperiodic rate becrmm,yoetei haawtapaya higher periodic finance charge and may have to any a how Minimums PeYNML Debaft Raves: Your APRs also may vary if you an in dal uk trader this agreement or any other agreement you have with us or ON dour mfawO companies for any of the following (easons: • We do not receive. for arty payment OW is owed oe this accatum or any afar account w loam with rtes, at least the ainkmaw paymeat due by the date and time die. • You make a Pormeat a us chat is was seasonal by your heek. • TotMauaemabwed?ylaantitataaytiteafhtryavsesotartiteMaM.rademand ioemedime payment d yen Manned" bshmcs all we de nee recom payment wok the eme we speedy M anydthese events occurs, we myincmaoed-AJllef ncla irgany promotional APR) on all balances (amcfedieg oardrall adueeesOopleamardmwaoflire detauk rate stated an the Mates all Fps Table. We may comeidr the loMoinhing factors to determine your deNok raw. the loop of share year auxerptt ban been open, the existence. seritaanas andtipaingeftMdelma?ssoyaracrntmt ether indications d vow account usage andpaefoewaneriatureaefamabeetyar adwrebtionships with us or any of our relayed componi@X amd informtimerwe 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 wen though there is a defeuk or if we do not increase your APR up to the maximum default rata stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any Mum debult. We may in our discretion determine to charge reduced default rates or reinstate standard rates tar at or selected balances on your account Female Cl arge Calcela`oa - Aeerap Billy Ba1Mea WMW (lueleliM Now Tisesactiessjc We calculate period finance charges separately for each balance associated with a different category of transactions floe exempte, purchases, balance trans hers, balance transfer checks, cash advances, cash advance chock; ovardrah advances, and each promotion). These calculations my combine 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 0 you have linked this account to a checking account with one of our related banks. We cahculatethe periodic finance charges forpurchoses, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the some wax but we use the promotional rate. To get the daily before 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 adpaaments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, il appli able, to the daily balance as of the transaction date, or a law 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 lour date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category sad that are credited as of that day. • We treat a credit balance as a balance of zero. To got the beginning balance for each category for the next do%tae add the daily periodic finance change to the daily balance. If more than one dally periodic rate could apply to a category because the rate for the category mayvary 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 and of the bilking 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 biking cycle. Hawvar, if any periodic knaete Chary" is dun, we will Charge you at Nast the minimum perio6c Inane charge stetedin the Rates and FoosTable. Hkis aeCessary to add an sobond amount to mach the rainimom finance charge. we ON that amount to the balance for putt hoses made during tat billing cycle. The total finance charge an you account for a billing cycle will be the sure of tie periodic finance charges phis any transaction fee finance chnga. For each cougorywe cakrdate an swap daily balance (ucMdmg newirmattions) for the biking cycle by adding all your daily balances and dividing dual tmwunt by the number of days in the billing cycle. M you multiply the average daily balance for a category bythat category's daily periodk rats, and nmluplysle result byte member of days in the bung cycle, the total will equal the periodic Sumcs charges for that balance attributable tothatbifMng cytIkexcept faminor variations dw grounding. Gran Period and Accrual of Raaece Charges: We secrw periodic finance charges on a transaction, fee, or So mcs charge from tat dam it is added to your daffy balance until payment in full is received on you account Howww, we do not charge periodic finance charges on now purchases bled duringa biting cycle Hwe receive payment of your New Balance by the mate and tiaa your minimum payment is due and we received payment of your Nov Balance on your ?reviews billing statement by the date and time your paymam was dun. This excepoon or •gmee peril' applies only to purchases and doe not apply to balance transfers, balance transfer chocks, cash advances, cash advance checks or overdraft advances. i applicable. transaction Foss far Cash Advances: We may charge you a cash advance fee in the amoua stated inthe Ratesad FeesTable for each of the following transactions: • cash advance checks, • 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 tea are lisam a charges. We add the fee to the balance for the related category as of the transaction date of the cash adwsmce. For examW. a ttansactiaa fee for a crib advance would be added to your cash advance balance. Transaction; feee far Baluster Tnosftz ft may charge you a balance transfer be in the amount stated in she Rates and Fees Table for each of the fallowing transactions: • balance transfer checks; • balance transfers. These transaction fees are Gonaee eharkes. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction Its for a balance transfer would be added to your balance transfer balance. BTNER FEES AND CHARGES Page 2 of 6 CMAIfiO30 We may charge the following fees. The amounts of these fees are fisted in the Rates and Fees Table. These fees will be added tothe balance for purchases made during the biting cycle. Amaal Membership Fear: If your account has on annual membership fat, itwill be baled each year or in monthly lestallwats In stated in the Rates and Fees Table). whotber or not you use your account, and you agree to pay it when billet. The annual membership fee is noo-rehmdeble tireless you nWh us that you wish to close Your account within 30 days of the data we mail your bang statement on which the annual membership fur is charged and at ft some time. you pnyyour outstaadity balance in NO. Yen payment of do am" m ware ship he does not etloot our fight to close your account or funk your right to make transactions on your account. H your aecotmt is closed by you or us, we will continue art, charge the annual membership fee until you pay your outstanding Wanta in full andtormieato your account relationship. Lane fee: If we do not receive at to;t she requited rninimwn payment by the date and tune R is due as shown on your burg statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. if the his fee is based on a balance, we calculate the late foe using the Previous Balance on the current month's statement that shows the lob fee. This balance is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by tie dab end time it was due. Rehm Papoose Fee: M W your payment check or similar instrunent is not honored, (b) an automatic debit or other electronic payment is returned onpoid, or (c) we met return a payment check because it is not signed or cannon be processed, we may charge a retain psyrneat he. Retara Check Fee: H is) vve stop payment on a cash advance check or balance transfer check uyourrequest or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Admieia- - Foe If you request a copy of a biting stanmonf, suits draft or other record of your account or if you facts" two or more cards or any special services (for example, obtaining cards an an expedited basisL we may charge you iorthese services. Nowevet, we will not charge you for copies oy burg statements, sales drafts or similar doeumramstMtyou requestfora billing dispose youmgr assertagainatut: under applicable hw. We nay charge. for try services fisted above end other services we prwids. the hies from dine to time in effect when we after the service. DEFAUIT/COUKI M We may consider you to be in default if any of these ot:eurs: • We do not receive at least the minimum amount duo by the date and limo due as shown on your M1Wg statement. • you fail to comply with the terms of this agreement or any agreement with one of our Maud companies • %% obtain information that causes us to believe that you may be unwilling or unable to pay you debts to us or to others on time. • You lie for bankruptcy. • You become Incapacitated or in the o"M of your death If we consider your account to be in dsfnslt via may doe yow stacwtvi without notice and require goo to pay your unpaid balance immedately. We *be racy rewire you to pay istereat at the rem of two percent (2711 a In1- I nn the unpaid balance when we dote Vow account to be six or sore billing cycles past due. To the extou permitted by Wft if you are in default because you have furred to pay us, you will pay our collection costs, attorneys, tees, court costa, sad so other expenses of enforcing our rights under this agreement. CLOSMt6 YOUR ACCOIINr You may close your account at any time. H you call us to dose your account, we may require that you confirm your request in writing. We may time your account at any time or suspend your credit ptirieges at any time for any reason without prior netfce except as required by applicable law. N we close your account, we will ant be liable to you for arty consequences resuNng from dosing your account or suspending you credit privibges. If yaw or we close Vow account, you and any authorized users rats[ immure istaly stop us" your account and destroy all cards, checks or odwromm se seem yew account orra mthem0usuponrequestlouwillconeimsetoillreaporsnibbfordhergestoyour account, even it they are node or processed aller Vmw eee9ut is CMead and you wit be required to pay the outstanding balance as year accauat according 10 the tarts of this agreement In addition. to the extent AwAd by law, we may require yon to pay the ed mmillug balance immediately or at any time after your account Is chased. A116fTRRTION ABIIEERRENT PLEASE READ THIS AGREEMENT CARUUILY, IT PROVIDES TNAT ANN DISPUTE MAY BE RESOLVED W BINDING ARBITRATION. ARSWRATiON REPLACES 11th iHGNT TO 60 TO COURT. YOU WILL NOT BE ABLE TO UNG A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERA! ACTION, NOR Will YOU BE ABLE 70 BRIMS ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPIIf3ENWIVE ACTION. YOU WILL NOTBEAKETOBEPART OFAWCLA83ACTMOROTIR?R MEACTION BROUGHT BY ANYONE ELSE. OR BE f Ff1M N A CLASS ADM OR OTHER REPRESfMf TATNE ACTWN. N THE ABSENCE OFTHIS AAOTT1114NIII AVIDA NT, YOU AMD WE MAY 9TWE Mf15E HAYS HAD A WIFT 00 OPPOR7U RTO BNNG CLAWS INA COUNT ,BEMAJtlDGEORJURCAiILiRIMTOPARTICFMiEORBEW"LWM IN A CASE RM IN COURT BY OTHM PICUHMNG CLASS ACTIONS AND OTHER REPRESENTATIVE ACTWIM OTHER MGNTS TW VDU MAO NAVE M YOU WENT TO A COURT, SUCH AS DISCOVERY ON TIN RIGHT TO APPEAL THE DBX61oN MAY BE MDRELMMITED.EXCEPfASOTNBWn EPIIDVMBELOW,THOSEIMGMAREMMIYED. Blieft"reNaTbisfirbir~Ayramm mm»depwstraettaesansaaseninvabing intermits coaaeerce, and shell be gorenhed by and he snfacethlo under the Federal Arbitration Act fde'fAll'1,9ttlt it- 16asimaybeamendmiTlisArbitraeenAgreem ent sets forth the circumstances and procedures under which claims Jas defined below) may be resolved by arbitration instead of being fitigsted in court Parties Covered. For the purposes oftisArbitration Agreamant,'we;'us,and'oui also includes our parent, subsidaries, sWmtus, licensees, prodec*mrs, successors, assigns, any purchaser of your Accw% and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally,'rue','us`and W shall include any third party providing benefits, services, or products in connection with the Actoum (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and anrolkeent services, credit insurance companies, debt coiactom and an oftheiroficers,direcmrs employees, agents andreprosetatives) if, and only 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 othees consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you all us against the other, or against the employees, parents, subsidiaries, affiiatm beneficiariss, agents or assigns of the othe4 arising from or rotating in any way to the Cardmember Agreement, any prior CardmemberAgreement, your creckcard Accountorthe advertising, application or approval of your Account ('Clam t This Arbitration Agreement governs all Claims, whether such Claims an based on low, statute, contract. regulation, ordmaece, tort, common law, constitutional provision, or any legal theory of law such as respondeat superior, or any other legal orequitsblegrotmd andwhethter such Claims stakes remedies money damages, penalties, b*uxBorm or declaratory or equitable rout Claims subject to this Arbitration Agreement include Claims regarding the applicability of thin Arbitration Agreement or the validity of the entire Cardatember Agreement or any prior Contra ember Agreement This Arbitration Agreement includes pains that arose in the past, or arise in the present or the future. As used is 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 Agraeeman% 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. N a party elects to arbitrate a Clow, the arbh mism will be conducted as an individual action. Neither you rear we agree to any arbitration on a class or representative basis, and the arbitrator shag have no autluo* to proceed on such basis. This means that oven if a class action lawsuit or other representative action, such as that in the form of a privet 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 it 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 jointed in an individual action under this Arbitration Agreement are 111 those brought by as against you and any co-applicant, joint cardmember, or authorized user of your Account or your heirs or your vest" in bankruptcy or (2) those brought by you and say co-applicant, joint ardmembK or authorized user of your Account, or year heirs or your trustee in bankruptcy against us. Initiation of Arbifratim The party" a Claim in arbitration must choose tie of the following two arbitration administrators: Americat Arbitration Association: or National Arbitration Forum. These adminifsmeots are indsporidese from as. The administrator does not conduct the arbitration. Arbitration is coadected under the roles of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration adawimator std as may be provided in this Arbitration Agreement Any arbitration hearing that you stand shall be held at a piece chosen by the arbitrator or arbitration administraw within the federal judicial district in which you reside at the time the Claim is hied, or at some ether place to which you and we agree in writing. you may obtain copies of the current rubs of each of the two arbitration administrators, information show arbitration and arbitration lots, and instructions for initiating arbitration by contacting the arbitration administrators as follows: Area&&* ArNtratien AssociadeR 335 Madison Avenue, floor 11L New York, NY 10017.4WS, Web site: vvwwr.uIr"g, M778-78M; or National Arbitration Feeerq P.O. Bon 50191, Minneapolis, MN 55105, Web site: www.arbt sSwforunLcom,100-i7/-2VI. Procedures sod low appicaMe in w6knoiee. A single, neutral arbitrator will resolve Claims. The arbiaatorwill ether be abwyerwith mWast ten yews experience or a retired or former judge. The arbitration will be conducted under the applicable procedures sad rules of the arbitration administrator that am in otlect an the data the arbitration is filed unless those procedures and ruins are irwormKteet with this Arbitration Agreement in which c&so ftsAW&mwmwill proved These procedures and rules may Wit 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 love a hearing and be represented by counsel. The arbitrator wiattke reasonable steps toprotect customer Account information and other confidential information. including the use of protective orders to prohibit disclosure outside the arbitraion, H re iaosled to do so by you or us. The arbitrator will haw the power to award to a party any duraagss or other relief provided for order oppicable low, and will not have the power to sword relief to, against or for the benefit of any person who is not s party to the proceetfeg, M the law authorizes such resat, the arbitrator may award punitive demos or asertey tees. The arbitrator will make any ward in writing but need not provide a =Oman 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 wig reimburse you for the initial arbitration filing fee paid by you up to the amount of S500 upon receipt of proof of payment Additionally, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator fore the first two days of that hearing. The payoent of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement Page 3 of 6 C.MAINN Allothw teea vA be allocated in Impirg with the rules of the wbiArnioo adtairiaasar and applicable law. However, we Will adverwe or reI I so Ong tea and mbar fees Ile arbitration admini n wit erubftwdaaraiian dust is Good reason for nawig w a de so eryae nit w sad tee dswratiw there is good cause lor deft so. Each penyva'I besrde openea dfhe faw aid tom d*at pwy+s seomeyal, attI a. wdaases, documente and edw to 04 regardless of W" POW pre Major IN -, sadaayapped(aepereslMdb-bwLemeeptthetthearbitralor able apply my applicable law in datutoi iry **sther a party sImId recover any or atfias and tolls kum siollm party. gdw oomwt bo t, appeals. Failure or amp delay a onfol tha Arbitration Agre-mertt atarylfmborocowwcfwmwkh saypwdoibrC aiimwilnotconaewe a ttheieer et ffglMia retain arbip egos eta board" w in conowson with any adwrdie.AnydeaMonrw ' insuch,rbitraliaop?oc.softvAbelkWand bfmigMdwpl rdimwA*ssepwtyappeakisw *giothearb*Wmwpokofm wibbt 3/ days of Lwwwnce of des award The appal me requests new arbitration before a panel of era rwtrai abihraars daeig MW by the was arbitration . III '-hten• The pawl vA ressaiieral la l mad kyle saws Haar, follow the swmmwes that opplyte a proeteeig uMi asiugle arblasMe snd web decisions best ea doe vea of the wajarity Each party willbow lair oesn fees, toes ale ettpermet far any e/p W, Mot a pergt mega memo any or N Teak cogs and anpnsa feat awdwr pel majority of ibe pawl d aMtraars,. applying applcebp ioM n deftrodmes. An'erard in arllwradom emit. N enhorcesble es prodded fy des FM a etherapplaaM kw byprey ~ bw*M iw SweeabMlly: srelsuL Tile Atbftratlen *4 mmvhrw ii)-wainadon or eMngaaintMGrdmwhwAgrswarp?Aceouptsdtka reblorwhip bebwea you and w cancernNg to Aamlet such as gee lam/ of a'mew account number or 1A- wouslaning of eke bshmo Ir'the Account to Htodur account 04 de bonknotoyd ayM"orsaysio6rpoceeftimileddbyVwaronyoerbehal; and 0 pwpm of the dek In fag by goo or by a thin! party. M any portion of this i AWadan Apeooent is domed iwald or unanfo?aable. the re m mina portions shelf mevHdeeI renteI inform CMANMTOTIMIASM MMW ft can chugs This sgmeenmt at any time, regttrMeas of whadmryou have access a Vour adxotnt b St. ds' I'fi, or bNi cry M • Our right to add. d&W or soft Mevsisn Isclodes fwaudel - , such M the AM mod fee; and allm emote such as the nwm. spat ale arlereemea of the rights and oYfgMioceyurawa mayhem reiolitga tMsagneeent AAedNlkadors, additatk. adekWnsarecaged'Chugotore Change'. WO will welly yaw of say Chasp if raquhW by applicable law. These Chwgw my be daotive with notice ook at to time sad in our nodes, in accordance with applicable law Mass we sift W - 'is any flange wit apply as the unpaid baknoes an your acowwt &W to now tawHaiow The notice wi describe any rights you may lime wilhh roopea to any Chase and the coon* wcen I you do or de rot ewrdoetwee rights. For exempla; the notices may stop tat yes may godly es in writing by a specrTwd date I you do not want to :cote amain Changes we me nefirg. I Fah notify us w wrdg that you do not acew'11 s Chamgaa, your account ray be closed Wits rot elres* closed) and yes wi be obligated to pay your ow awding beisoce under the applahN tlrtmk of the agreementIyowdonotnotify winwrsngbytedo*stated indorodc%w ityow heft ors but then use yaw account after tole des swW in to notice, yew will be doewwd a accept M Charges in the nodee and to weeps and confirm all torte of var sgraehmem and all Changes in prior Mtces vwo have ventyou Fsprdlaaw of wfedw you have access to yawn account We why periedieslp review your credit KOM by obtaining Wormedoo from credit bwom and edwm Ike may report iaforawtisr about you sad yew eeeouot te etedit bureawk. iaclwding your false to pay w on time. M you repast addid wal cards on yew account for account irdareasion in your now as ml as in to tames of If Far 1Mk we hsve rvperto iaccarow Wormadon to a credit bw"K you hey witb a a at the Cerdwewber 3ervica address fisted an yew Who s wom oil. Pl aniodode yaw some. address, account ember, telephone mober and a brio descriptiHh of the proMm H nibbte, geese prsvfN o espy of the trade breau mport in question Nit mil pmWIl ihrvagigsN de potter sad I ow imvesdgatort shows tat yaw em right we teal cemct such ao t btrrtae a w" we --parted deinformedom and wi regneetthey correetlb-repoK Nvrede-greswAhyou ester ow invafiv -1 i , we VA all Twin vvrw" or by adephow VW viol oleo nmly the c:redb bwsou then yes dlepwe des iuforlealion w6m you let us know flat you no lol d epua the Wormion. NOFN SVL#J iE OF PMSMM NfiMD AAgM Vye - mAcsrftbtlisgataumenasndedw ookneywatdeaditnshwm in aver pee. Oil: if thin is s iW scewm wo cn seed bfty stesMtam. and notices to any joint account holder. Nodes a an of Fah wlf be considered motce to all of you and at of yo- vA raw- sbAMW an the aeeawt I you dwW your name, address, ar how ceMhtr or businsos telephone number or angel address N you eleette receive in7ictg sow-ehrherto w other notices anlinaL you am soft w ilew-dW* In wdkq at the address d m - on yew bhNmg stswumt. We matt at our optical accept msing address correcooes bm the United Swiss POW Service. WMe may c mw you about your accou indu6ng for cupomw smite or cs$oci , at sty address or wlephow number as wail as aiy eeNrer Uhn*ate mndter you P?evide US. T UEPNONE ? AM [M?ctIMIM6 We. and I o"kabls, our epests, hey Iran to and record yew telephone calk with w. ybe aptWVW we. and I appieable. ow apift way do so, whether you or we it dm do wiapbone eat. I?WIOM SMA111110 Vbr authorise a to sham certain fetortmHietn abyso wdyow aceountwitlwt ow fHwTy of tamparies, and wid?odersoawide sow fhhhly of cewpedesieehhtiq amp conparrgorMonkadw 1I nameanwltweyappeaonfbpcardm6uperwhad by law. Our P*nq Policy, whiddr is presided to you when you bat receive an agreehnmt and at Meet ones sock c.Nnda?yeH tbereadbc dseei3es our iMsrmatotu dork* Practices and do choice$ wou how and Guur Wwkmwformation about you and your may gin us about with companies a orgaroitkdoer within and al of our fatally of componwL KLOW CAMDABINBIS illmek law pradbe that we way mat sham information about you with cosganies or other or9 a+1 P 11, a outside of our too* of companies WAS" you sulbodw dw disclosure or unless the dNelesam left under seoilm a option in the low tomb as sh it 1-maliort to pmeen yaw trasaedeook m ice rea/owe to a mbpoenai. in our fhivaty I'll you vA be dwad of We audwind w to own personal IMoreadonuseshaveabout you)iwiudpgihA 11,rhrakadaarnysfth6produea at, Lice s you may haw a" amp of our campeniew with E-mpHMes or odor orgsaiptank ehttside of ow famety of companies. EWO MMTAifiAl f Vifa ees deity a dordMornotembrce enydoerrilbu underthisayreeewntvm wit Iaakt our right to enforce ten in the futwe. M say al do toned this agreHMrnt ate-fwd to be unenforceable, all ether tenors will remain in full form AISUNISM V% may assign your account, any amu is you owe us. or any of our righw and obl cache vol agreemw is a bird pw% The person to whsis viii make to. apIslwwnl still bsantiiod a any of o r righp that we suipn a that person. 01111111111111111 I= ThiE70MASAADBWORCB*NTOF7 MSA6MMBrTANOYMACCDLWDML BEliOyf DAWNTOrKMIdACCWA MWnNF®ERALLAWAND.TO Tile DOW STATE LAW APPUE$ THE LAW OF DRAW K WffHOUr SEMNO TO tAtiM4*4 ANI PRINCIPLES. THE LAIN OF DELAM IL- VA IE WE AND VOLAIACCOLMIrARE LOCATED. WrLAPMNO htkTTEI WNBMVOULNE OR USE THE ACI I fall WVM AWM Pleake cal the Cordmomber Service telephene maaber on yaw card or billing staleeh-et I yet bow any quesdons about your account or this sorsomat. VOWSM M M e IegTbNNellee fir Felon lies This aatce eentaitw kmporwettinfotmatiom abutyow rights and out rnponshlx'tides order the Fair Credit NO" AaL Nefly dole CM N Serves OrOesodew AMttView MiM M Far think year bill is crag. or I you need mare Inform lion about a transaction omyowbdilLmOwemenpsnftsbeetat*aCw6wobw$wvkpsd*m I nssm an your bf § uatsotent. Write to W w wen es pewee L VW amt Meer hole you no pier ten ildays after we seer you the Inn bit on mNch the whoa orproblem appeared. %a eah whoo me 1w, bet doing so va not preserve your doff be yfmr lmw4 *0 us the fetowkm sfocmafiea • Maur MM led itcenmt ItlmAW • Tbe defer awust of rte suspected error. • Deserfbethe wror and etgiain.Iyou ca, aft you beteve tam is an error. N you reed team iMormstion, dsoerebe the Ilm you are at we about Iwuhave audwbW use psyyour crdi<cwdbiaummedeapfrom yewn*o or checking wcou , you can stop the payout an any avant Feu ill" is wrong. To step the popmg you letter now reach us at low three burkea days before the a attic payment is scheduled to occur. WwOVAAMOwleepenalli lieeAMerfMfMs"ytf.rflrrltlaw"h %% am wbawledp your letter Within 30 days, unless we. hew corrected the error by then. Wtho eft days. we am eld wit correct the error or explain why we bellm the hill was correct. Afar we receive your letter, we cannot try to collect say emowt yes, *wsdon, or report you as dairquent We can continue to hill yes for lee alert you *made% Oeembe Yam d a0nothss?isopeYSnyqueetisreianeantvMtie weauimt 9 but you am sd obligated a pay the parts dyer hildetwo, main Woollen. if ewes flei that ttra msM a wswke en yew biA, yes mil ant haw to pay ast/Inance charges reed to any euadened amewt I we didn't mahe:e mil you way hive a payfisonu Barges, end you wh7haw a mbesop anyeMwed payaea- on the *MdMW meet he Wdter Cass. we WR wad YOU* atateatent afffie aatetxit you eve mad the data that a is due. If you leis pay de mount that we 0"youowe, we my report you a s.daluquem. ffawev% I our ex*aotm does not sacristy Vol and you write to as wbltin iD days teNrg w th-t yon sm7 refuse a pay, ors tnatUU anyoM we report you tedolt you owe ationdoo aboovow bill. Andweatwttllyouthe now of enyonpwe sported you w.VlAmuettslanyonewereWyouathatthemat nhas been settled bsbw*n us When it linally is. If we don't follow these rules. we can't collect the first 560.OD of the question" amaut, awn if your bill was careeL Special IAMM for QMk Card Paet ktest Pays a of 6 CMAIS 0 If you haw a problem wdh the quWity of property or services that you purchased with a credit eird, and you have tried in good faith to correct the problem with the merchant. You may haw the right na to pay the remaining amount due on the property or services. This tight does not apply to check transactions. There are two imitations on this right (a) You must have made dw purchase in your home state o4 if not within your home state, within 10 mien of your cmim mnaiing address; end (b) The purohasa price must how been mom than $50.00. These OnWoes do not apply if we own of operate the merchant, or if we mailed you the adverostaem for the property or services. Copyright mP006.JPAiorgan Cbm A Co. All rights reserved. Page Serf 6 CMAtfi030 Statement for account number. 4325 6452 • New Balance Payment Due Date Past Due Amount Minimum Payment $9,832.62 09/04/06 $594.00 $1,647.62 Amount Enclosed Make your check payable to Chase Card Services. $ New address or e-mail? Print on back. CHASE O 432515999022645200164762009832620000006 20156 eEX Z 22206 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 Irrdllrlrllrrl,IrrllrlLlrldrrrrllrLlrrrllrrLLrrlLdlrrl LrrlllrrrllLrrlrrrllLrrrrllrrrrlllLrrrrllrrlyddlrrLrlrl 1: 5000 L60 284 2 5 29990 2 264 5 2 Lila CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Statement Date: 07/11/06 - 08/10106 CUSTOMER SERVICE CHASE O Payment Due Date: 09104/06 In U.S. 1-800-945-2000 Minimum Payment Due: $1,647.62 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325fl@MMM1166452 1-302-594-8200 Previous Balance $9,469.97 Total Credit Line 200 ACCOUNT INQUIRIES $9 Payment, Credits $230.00 Available Credit , P.O. Box 15298 $0 Purchases, Cash, Debits +$347.00 Cash Access Line Wilmington, DE 19850-5298 $9,200 Finance Charges +$245.65 Available for Cash $0 PAYMENT ADDRESS New Balance $9,832.62 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards An over-limit fee and late fee are reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due and over-limit amounts, billed interest and the billed over-limit and late fees. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/29 12112100830357798300008 PAYMENT -THANK YOU $230.00 07/29 74266852153424000251343 Returned Payment DE 230.00 08/03 74266852153424000251343 RETURNED PAYMENT FEE 39.00 07/11 __ OVERLIMIT FEE 39.00 08/06 LATE FEE 39.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .08217% 29.99% $4,517.24 $115.07 $0.00 $115.07 Cash advances V .08217% 29.99% $5,126.27 $130.58 $0.00 $130.58 Total finance charges $245.65 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. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 5 000 N Z 10 06/06110 Page 1 of 1 05686 MA MA 20156 22210000050002015601 Statement for account number: 4325 6452 • New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,652.48 10/05/06 $67.00 $618.48 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200061848009652480000001 19083 BEX Z 25306 D I1111111111111111111111111111111111111111111111111111 1 1 1 1 1 1 l1I MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 IIIIIIIIId II11J11111L111111111 dIII111111LJllldl1111111I I: 5000 160 281: 2 5 29990 2 264 5 2 Lila Statement Date: 08/11/06 - 09/10/06 CUSTOMER SERVICE CHASE 0 Payment Due Date: 10/05/06 In U.S. 1-800-945-2000 Minimum Payment Due: $618.48 Espanol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 6452 1-302-594-8200 Previous Balance $9,832.62 Total Credit Line 200 ACCOUNT INQUIRIES $9 Payment, Credits -$230.00 Available Credit , P.O. B 8 $0 Finance Charges +$49.86 Cash Access Line Wilmington, , DE 19850-5298 $9,200 New Balance $9,652.48 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09101 12442440831121804400008 PAYMENT -THANK YOU $230.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,575.90 $23.32 $0.00 $0.00 $23.32 Cash advances .01644% 6.00% $5,206.77 $26.54 $0.00 $0.00 $26.54 Total finance charges $49.86 Effective Annual Percentage Rate (APR): 6.00% 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. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 8 000 N Z 10 06/09110 Page 1 M 1 05686 MAMA 19083 25310000080001908301 Statement for account number: 4325 6452 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $9,601.09 11104/06 $67.00 $567.09 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200056709009601090000000 23145 SEX Z 28306 D II oil 6lu 11 61 1161 llu 16611,11 r 111 n 11616611 ll 11//11 / MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 111r1111r1111rr?611111r1r?rllr1r11116r?1J11r11r611rr6drl t: S000 L60 28e: 2S 29990 2 26L .S 2 Llta Statement Date: 09/11/06 - 10/10/06 CUSTOMER SERVICE CHASE O Payment Due Date: 11/04/06 In U.S. 1-800-945-2000 Minimum Payment Due: $567.09 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436.7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 43256452 1-302-594-8200 Previous Balance $9,652.48 Total Credit Line 0 ACCOUNT INQUIRIES $9 2 Payment, Credits -$99.00 Available Credit , $ P.O. Box 15298 $0 Finance Charges +$47.61 Cash Access Line Wilmington, DE 19850-5298 $9,200 New Balance $9,601.09 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditr,ards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10/04 12772770831121815100001 PAYMENT -THANK YOU $99.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,419.51 $21.80 $0.00 $0.00 $21.80 Cash advances .01644% 6.00% $5,232.95 $25.81 $0.00 $0.00 $25.81 Total finance charges $47.61 Effective Annual Percentage Rate (APR): 6.00% 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. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X0000001 F163333505 000 N Z 10 06110110 Page 1 0 1 05686 MA MA 23145 28310000050002314501 Statement for account number: 4325 6452 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,551.04 12/05/06 $67.00 $517.04 Make yor cheek payable to Chase Card Services. Amount Enclosed $ New adduress or e-mail? Print on hack. 432515999022645200051704009551040000001 18206 BEX Z 314060 1 1111rr1rrLLJrJIrrrLlrrrrlldrl,rrllyddrrrllr?ILrl MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 Inrlllnrlllnrlnrlllunrllnullllnwllnlnlrllulnlrl 1:5000 160 281: 2 5 29990 2 264 5 2 ill' Statement Date: 10/11/06 - 11/10/06 CUSTOMER SERVICE CHASE O Payment Due Date: 12/05/06 In U.S. 1-800-945-2000 Minimum Payment Due: $517.04 Espafiol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 X16452 1-302-594-8200 Previous Balance $9,601.09 Total Credit Line ACCOUNT INQUIRIES $9 200 Payment, Credits -$99.00 Available Credit , P.O. Box 15298 $0 Finance Charges +$48.95 Cash Access Line Wilmington, DE 19850-5298 $9,200 New Balance $9,551.04 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/0413093080831121817500004 PAYMENT-THANK YOU 99.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,343.22 $22.14 $0.00 $0.00 $22.14 Cash advances .01641% 6.00% $5,259.24 $26.81 $0.00 $0.00 $26.81 Total finance charges $48.95 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X 0000001 FIS33335 0 10 000 N Z 10 06111/10 Page 1 of 1 05686 MAMA 18206 31410000100001820601 Statement for account number: 4325 6452 ' New Balance Payment Due Date Past Due Amount Minimum Payment $9,598.26 01/04/07 $166.00 $663.26 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on back. CHASE O Tax Time is almost here. Make your payment using your credit card. For details visit official paymen ts. comthase.jsp 432515999022645200066326009598260000000 21898 BEx Z 34406 0 MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 Ir?rlll?lrrl?rlrl??lr?llrrrlrlrrrrllrlrl?rrll?rl?l?rrll?rll??l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 laril/n?lllurlnrlll?uullnullllnn?llnlulrllrrlnlrl 1: 5000 160 281: 2 5 29990 2 261.5 2 ills Statement Date: 11/11/06 -12/10/06 CUSTOMER SERVICE CHASE O Payment Due Date: 01/04/07 In U.S. 1-800-945-2000 Minimum Payment Due: $663.26 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 6452 1-302-594-8200 Previous Balance $9,551.04 Total Credit Line $9,200 ACCOUNT INQUIRIES P O Box 15298 Finance Charges +$47.22 Available Credit . . $0 Wilmington, DE 19850-5298 New Balance $9,598.26 Cash Access Line $9,200 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Piease send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,288.19 $21.15 $0.00 $0.00 $21.15 Cash advances .01644% 6.00% $5,285.69 $26.07 $0.00 $0.00 $26.07 Total finance charges $47.22 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X 0000001 FI533335 0 9 000 N Z 10 06/12110 Page 1 or 1 05686 MA MA 21898 34410000090002189801 Statement for account number: 432;A111111111II"6452 New Balance Payment Due Date Past Due Amount Minimum Payment $9,446.92 02/04/07 $67.00 $414.92 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. CHASE O Tax time is here. Make your pa mcaent using your Chase credit rd. For details visit www.chasepayyourtaxes.com. 432515999022645200041492009448920000006 21929 BFI( Z 01007 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 11111111111/116611111 ?drL??JIJrI,??lll 11111 111111111d L1J1111r1161r61111L11r111r11JII6r1r1111111Jr1111611r1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 ¦C30 281: 2 5 29990 2 264 5 2 Lila Opening/Closing Date: 12/11/06 - 01/10/07 CUSTOMER SERVICE CHASE a Payment Due Date: 02/04107 In U.S. 1-800-945-2000 Minimum Payment Due: $414.92 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 432$6452 1-302-594-8200 Previous Balance $9,598.26 Total Credit Line ACCOUNT INQUIRIES $9 200 Payment, Credits -$198.00 Available Credit , P.O. Box 15298 $0 Finance Charges +$48.66 Cash Access Line Wilmington, DE 19850-5298 $9,200 New Balance $9,448.92 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/19 13533530834774113600008 PAYMENT - THANK YOU 99.00 01/10 10100100834774133100006 PAYMENT - THANK YOU _ 99.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,232.96 $21.58 $0.00 $0.00 $21.58 Cash advances .01644% 6.00% $5,312.25 $27.08 $0.00 $0.00 $27.08 Total finance charges $48.66 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 10 07/01110 Page 1 of 1 05686 MAMA 21929 01010000070002192901 Statement for account number: 4325 #AIMM 6452 • New Balance Payment Due Date Past Due Amount Minimum Payment $9,497.21 03/07/07 $166.00 $562.21 Make your shack payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. CHASE O Tax time is here. Make your pa ment using your Chase credit card. For details visit www.chasepayyourtaxes.com. 432515999022645200056221009497210000004 21322 BEx Z 04107 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 LrrIII,IrJ?rIrLrLdlrrllrlrlrrlldrl,rr114J41rrrllrrll4rl III All CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 LC30 281: 2 5 29990 2 264 5 2 L110 Opening/Closing Date: 01111/07 - 02/10/07 CUSTOMER SERVICE CHASE O Payment Due Date: 03/07107 In U.S. 1-800-945-2000 Minimum Payment Due: $562.21 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 8452 1-302-594-8200 Previous Balance $9,448.92 Total Credit Line 200 $9 ACCOUNT INQUIRIES Finance Charges +$48.29 Available Credit , $0 15298 New Balance $9,497.21 Cash Access Line $9,200 Wilmington, Wilgton, DE 19850-5298 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,132.88 $21.07 $0.00 $0.00 $21.07 Cash advances .01644% 6.00% $5,339.39 $27.22 $0.00 $0.00 $27.22 Total finance charges $48.29 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 10 07102/10 Page 1 oft 05686 MAMA 21322 04010000070002132201 Statement for account number: 4325 6452 New Balance Payment Due Date Past Due Amount Minimum Payment $9,441.55 04/04107 $0.00 $340.55 Make your cheek payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. CHASE O Tax time is here. Make your pa ment using your Chase credit card. For details visit www. chasepayyourtaxes.com. 432515999022645200034055009441550000007 21941 BEX Z 06907 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 Irrrlll,lrrlrrlrlrrlrrllrr,Irlrrrrllrlrlrrrllrrlrlrrrllr,llrrl IrrrlllrrrllLrrlrrdllrrrrJlrr,rlllLrrrrlLrl,rlrlLrlrrlrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 2 5 29990 2 264 5 2 Lill Openin'llosing Date: 02/11/07 - 011017 CUSTOMER SERVICE CHASE Payment Due Date: 04104/07 In U.S. 1-800-945-2000 Minimum Payment Due: $340.55 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 6452 1-302-594-8200 Previous Balance $9,497.21 Total Credit Line ACCOUNT INQUIRIES $9,200 P O Box 15298 Payment, Credits -$99.02 Available Credit . . $0 Wilmington DE 19850-5298 Finance Charges +$43.36 Cash Access Line , $9,200 New Balance $9,441.55 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.cha5e.com/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02/1010420410834774140100003 PAYMENT-THANK YOU _99.00 _ 02/11 FINANCE CHARGE ADJUSTMENT 0.02 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $4,053.70 $18.66 $0.00 $0.00 $18.66 Cash advances .01644% 6.00% $5,365.31 $24.70 $0.00 $0.00 $24.70 Total finance charges $43.36 Effective Annual Percentage Rate (APR): 6.00% 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. IMPORTANT NEWS NOTICE: We are replacing the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including new purchases Method (purchases daily balance times purchases daily rate each day only in the current cycle). This Statement is a Facsimile - Not an original X0000001 FIS33335 D 7 000 N Z 10 07103110 Page 1 of 1 05686 MAMA 21941 06810000070002196101 Statement for account number: 4325 6452 ' New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $9,390.27 05/05/07 $0.00 $289.27 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200028927009390270000004 22087BEXZ 10007D LrJIIrlrrLd11r11rfllrrr11111rr1LIJr1Jlrrirlrrr111rIL,l MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 1,1rlll,rrllL,rlrrrlllrrrr?IlrrrJlll,r?r?IlrrLrLllrJrrlrl 1:5000 L60 281: 2 5 29990 2 264 5 2 ills Opening/Closing Date: 03/11/07 - CHASE O Payment Due Date: 04/10107 CUSTOMER SERVICE 05/05/07 I U S 1 800 945 2 Minimum Payment Due: n . . - - - 000 $28927 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 6452 1.302-594-8200 Previous Balance $9,441.55 Total Credit Line 200 ACCOUNT INQUIRIES $9 Payment, Credits -$99,02 Available Credit , Box 15298 $0 Finance Charges +$47.74 Cash Access Line Wilmington, , DE DE 19850-5298 $9,200 New Balance $9,396.27 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. com/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/1010700690834774145600005 PAYMENT-THANK YOU $99,00 03/11 FINANCE CHARGE ADJUSTMENT 0.02 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $3,974.18 $20.26 $0.00 $0.00 $20.26 Cash advances .01644% 6.00% $5,391.44 $27.48 $0.00 $0.00 $27.48 Total finance charges $47.74 Effective Annual Percentage Rate (APR): 6.00% 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. IMPORTANT NEWS Family 4 Pack: 4 Tickets to Six Flags for just 99 Dollars! Now through June 30, 2007, purchase 4 general admission tickets online to any Six Flags Theme Park and pay just 99 Dollars. Log on to your account at Chase.com to take advantage of this exclusive offer. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 10 07104/10 Page 1 of1 05686 MAMA 22087 10010000070002208701 Statement for account number: 4325 Slllllllllllll 6452 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,436.70 06/04/07 $99.00 $434.70 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200043470009436700000005 24447 eEX Z 13007D Irrrilirlrrirrlrlrri rrilr rririrrrrilriri rrrlirririrrriirrlirrl MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: 2 5 29990 2 264 5 2 ills Opening/Closing Date: 04/11/07 - 05/10/07 CUSTOMER SERVICE CHASE O Payment Due Date: 06/04/07 In U.S. 1-800-945-2000 Minimum Payment Due: $434.70 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325! 6452 1-302-594-8200 Previous Balance $9,390.27 Total Credit Line ACCOUNT INQUIRIES $9 200 Finance Charges +$46.43 Available Credit , P.O. Box 15298 $0 New Balance $9,436.70 Cash Access Line Wilmington, DE 19850-5298 $9,200 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $3,994.17 $19.70 $0.00 $0.00 $19.70 Cash advances .01644% 6.00% $5,418.56 $26.73 $0.00 $0.00 $26.73 Total finance charges $46.43 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 7 000 N Z 10 07/05110 Page 1 of 1 05686 MA MA 24447 13010000070002444701 Statement for account number: 4325 6452 New Balance Payment Due Date Past Due Amount Minimum Payment $9,286.76 07/05/07 $0.00 $185.76 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200018576009286760000007 25123 BEX Z 16107 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 CHASE O 1lrrlllrllrlr1111r11rrllrrrl11r11rllrlrl11111rrlrlr1111r111rr1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 11r111I1.rIIIrr?Irr111L1rrrllrrr?Illl,?r11111rLrl,llrrlrrl,l 1:5000 160 281: 2 5 29990 2 264 5 2 ills Opening/Closing Date: 05/11/07 - 06/10/07 CUSTOMER SERVICE CHASE Payment Due Date: 07/05/07 In U.S. 1-800-945-2000 Minimum Payment Due: $185.76 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325,6452 1-302-594-8200 Previous Balance $9,436.70 Total Credit Line ACCOUNT INQUIRIES $9,200 P O Box 15298 Payment, Credits -$198.00 Available Credit . . $0 Wilmington DE 19850-5298 Finance Charges +$48.06 Cash Access Line , $9,200 New Balance $9,286.76 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.cofn/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06106 11571570840455236600001 PAYMENT -THANK YOU $198.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $3,982.29 $20.30 $0.00 $0.00 $20.30 Cash advances .01644% 6.00% $5,445.79 $27.76 $0.00 $0.00 $27.76 Total finance charges $48.06 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 5 000 N Z 10 07106/10 Page 1 of 1 05686 MAMA 25123 16110000050002512301 Statement for account number: 4325 AMENOM 6452 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $9,281.38 09/04/07 $100.00 $280.38 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back, 432515999022645200028038009281380000000 25901 BEx Z 22207D LrdILLJrrIJrrllJLrrl,lrrrrll,l,lr rrllrll?lrrrllrrllrrl MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 l?nlllrnlllurlurlllnn?ll?rnllll?uullr?lr?l?ll?rl?rlrl 45000 i 60 281: 2 5 2 99 90 2 2 64 5 2 ills Opening/Closing Date: 07111107 - 08/10/07 CUSTOMER SERVICE CHASE a Payment Due Date: 09/04/07 In U.S. 1-800-945-2000 Minimum Payment Due: $280.38 Espanol 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 ACCOUNT INQUIRIES VISA ACCOUNT SUMMARY Account Number: 4325 6452 P.O. Box 15298 Previous Balance $9,233.67 Total Credit Line $9,200 Wilmington, DE 19850-5298 Payment, Credits -$99.00 Available Credit $0 PAYMENT ADDRESS Purchases, Cash, Debits +$99.00 Cash Access Line $9,200 P.O. Box 15153 Finance Charges +$47.71 Available for Cash $0 Wilmington, DE 19886-5153 New Balance $9,281.38 VISIT US AT: www.chase.com/creditcards Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/10 74266851983424000131980 Returned Payment DE 99.00 07/17 FINANCE CHARGE ADJUSTMENT 0.02 08110 12222220840455281100009 PAYMENT - THANK YOU 99.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $3,855.08 $19.65 $0.00 $0.00 $19.65 Cash advances .01644% 6.00% $5,500.68 $28.04 $0.00 $0.00 $28.04 Total finance charges $47.71 Effective Annual Percentage Rate (APR): 6.00% 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. This Statement is a Facsimile - Not an original X0000001 FIS33335 D B 000 N Z 10 07/08/10 Page 1 of 1 05686 MAMA 25901 22210000080002590101 Statement for account number: 4325 *NOW* 6452 New Balance Payment Due Date Past Due Amount Minimum Payment $9,600.65 11104/07 $396.00 $1,163.65 Make yor check payable to Chase Card Services. Amount Enclosed $ New adduress or e-mail? Print on back. 432515999022645200116365009600650000004 30612 SEX Z 28307 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 CHASE O Iroll!rlulnlrlnlnllurlrlrrnllrlrlrnllnirlu?llnllnl IrrrllllrJllrrJlrrllL1rr111,r1dIIIr1r1111rJ1r1111,11r1111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 2S29990 2 264 5 2 1115 Opening/Closing Date: 09!11/07 -10/10/07 CUSTOMER SERVICE CHASE O Payment Due Date: 11104107 In U.S. 1-800-945-2000 Minimum Payment Due: $1,163.65 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number : 41111006452 1-302-594-6200 Previous Balance $9,328.81 Total Credit Line 200 ACCOUNT INQUIRIES $9 Purchases, Cash, Debits +$39.00 Available Credit , 15298 $0 Finance Charges +$232.84 Cash Access Line , DE 19850 Wilmington, $9,200 Wilmingtonn, DE -5298 New Balance $9,600.65 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase.com/cred itcards You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10/07 LATE FEE 39,00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $3,836.12 $94.56 $0.00 $0.00 $94.56 Cash advances V.08216% 29.99% $5,609.88 $138.28 $0.00 $0.00 $138.28 Total finance charges $232.84 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. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 7 000 N Z 10 07110/10 Page 1 oft 05686 MA MA 30612 28310000070003061201 Statement for account number: 4326452 New e Balance Payment Due /? /07 Past Due $763 00 Minimu$P 835.41 CHASE O Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 432515999022645200183541009887410000003 27539 BEX Z 31407D I„rIII,I??I,rL1.rL?II???I,l,f?rllJrL?JLfIrL??IIf rl Lfl MARK E TELENCIO 446 BIG SPRING RD CARDMEMBER SERVICE NEW CUMBERLND PA 17070-3103 PO BOX 15153 WILMINGTON DE 19886-5153 I???IIIffrIIL?JrfrlllrrfffllrrffllllfffrrlLJfflrllfrLfLl 1:5000 L60 281: 2 S 29990 2 264 S 2 Lila Opening/Closing Date: 111117 - CHASE O Payment Due Date: 111117 12105107 CUSTOMER SERVICE I U 1 S 8 Minimum Payment Due: $1 835 41 n . - . 00-945-2000 , . Espa Aol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 6452 1-302-594-8200 Previous Balance $9,600.65 Total Credit Line $9,200 ACCOUNT INQUIRIES P Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 . DE Wilmington DE 19850-5298 Finance Charges +$247.76 Cash Access Line $9,200 , , New Balance $8,887,41 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chaae.com/creditcards It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/05 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $3,975.27 $101.25 $0.00 $0.00 $101.25 Cash advances V.08216% 29.99% $5,752.20 $146.51 $0.00 $0.00 $146.51 Total finance charges $247.76 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. This Statement is a Facsimile - Not an original X0000001 F1833335 D 8 000 N Z 10 07/11/10 Page 1 of 1 05686 MAMA 27539 31310000080002753901 Statement for account: number. 43256452 New Balance Payment Due Date Past Due Amount Minimum Payment $10,173.21 01/04/08 $1,148.00 $2,508.21 Make your check payable to Chase Card Services. Amount Enclosed $ New address s or or e-mail? Print on back. 432515999022645200250821010173210000009 27887 BEX Z 34407 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 Irnlllnrlllrnl?ulll?unllrnrllllwullr?lnl?liulul?l CHASE O Ir??lll11??11?I?I??I?rII1.,I?I?rl?llrltltr,Il?rl?ltrtlltrll??l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 160 281: 2 5 29990 2 264 5 2 Lila Opening/Closing Date: 11/11/07 - 12/10/07 CUSTOMER SERVICE CHASE O Payment Due Date: 01/04/08 In U.S. 1-800-945-2000 Minimum Payment Due: $2,508.21 Espanol 1-888446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 43256452 1-302-594-8200 Previous Balance $9,887.41 Total Credit Line $9,200 ACCOUNT INQUIRIES P Box 15298 O Purchases, Cash, Debits +$39.00 Available Credit $0 . . Wilmington, DE 19850-5298 Finance Charges +$246.80 Cash Access Line $9,200 New Balance $10,173.21 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/06 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $4,114.52 $101.42 $0.00 $0.00 $101.42 Cash advances V.08216% 29.99% $5,898.09 $145.38 $0.00 $0.00 $145.38 Total finance charges $246.80 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. This Statement is a Facsimile - Not an original X 0000001 F1833335 D 8 000 N Z 10 07112110 Page 1 of 1 05686 MAMA 27887 34410000080002788701 Statement for account number: 4325 6452 f' New Balance Payment Due Date Past Dfe Amouff Minimum Payment $10,474.77 02/04108 $1,535.00 $3,215.77 Make your check payable to Chase Card Services. Amount Enclosed New $ New address or e-mail? Print on back. 432515999022645200321577010474770000007 29569 BEx Z 01008 D MARK E TELENCIO 446 BIG SPRING RD NEW CUMBERLND PA 17070-3103 LrrllLrrllL,rllr?Ill??rr?IL??rIIIIr?r?rll?Jr?I,II?JrJ?I CHASE O I...Ill?lrrl?rl,I?rlr.Il.,?Irl???rll?lrl???ll??lrl???llrrllr?l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L60 281: 2 5 29990 2 264 5 2 Lila Opening/Closing Date: 12/11/07 - 0111018 CUSTOMER SERVICE CHASE O Payment Due Date: 02/04/08 In U.S 1-800-945-2000 Minimum Payment Due: $3,215.77 Espanol 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 Number: 4325 %?6452 Previous Balance $10 173.21 Total Credit Line - ACCOUNT INQUIRIES "9 200 , Purchases, Cash, Debits +$39.00 Available Credit , P .O. Box 15298 $0 Wilmington, DE 19850-5298 Finance Charges +$262.56 Cash Access Line $9,200 New Balance $10,474.77 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect 1-302-594-8200). Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/04 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $4,260.70 $108.52 $0.00 $0.00 $108.52 Cash advances V .08216% 29.99% $6,047.71 $154.04 $0.00 $0.00 $154.04 Total finance charges $262.56 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. This Statement is a Facsimile - Not an original X 0000001 FIS33336 D 9 000 N Z 10 08/01110 Page 1 0 1 05686 MA MA 29569 01010000090002956901 • ab CHASE O EXHIBIT A BILL OF SALE Chase Bank USA, N.A. ("Seller''). for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated May 7, 2004 between Seller and Turtle Creek Assets, Ltd., by and through its general partner Forward Properties International, Inc. ("Purchaser'), its successors and assigns ('-Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of September 10, 2009 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit I attached hereto and made part hereof for all purposes. Number of Accounts 19885 Total Unpaid Balances Premium 75.0'?3,386.08 Due Seller Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller no later than September 15, 2009 (the "Closing Date") by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A. ABA #021000021 Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: #304AW This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other repre,entation of or warranty of title or enforceability is expressed or implied. Chase Ban4 s4tk -, Turf Bye-??D 1- By: Date: September 10. 2009 Date: Title Operation Manager Title _,_? Mu%I ` i EXH,1817 A BILL OF SALE Turtle Creek Assets, Ltd., by and through its general partner, Forward Properties International, Inc. ("Seller"), for value received and pursuant to the teens and conditions of the Credit Card Account Purchase Agreement between Seller and FOUR SEASONS INVESTMENTS ("Purchaser"), hereby sells, conveys, transfers and assigns to Purchaser, effective as of the File Creation Date of September 18, 2009, all rights, title and interest of Seller in and to those certain accounts, receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes (the "Accounts"). Number of Accounts 722 Total Unpaid Balances $2,887,201.55 The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a national banking association ("Original Creditor") as evidenced by the Bill of Sale from Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all purposes. This Bill of Sale is executed. without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Turtle Creek Amets, Ltd., a Texas limited partnership By: For By te., its general partner yS - w SHAPIRO LAW OFFICE, P.C. P.O. Box, 1050 33 Rock Hill Road - Suite 150 Bala Cynwyd, PA 19004-5050 (610) 668-0707 Fax (610) 668-1815 September 28, 2009 File No. F17529 Visa Account# 43256452 Mark E. Telencio 446 Big Spring Rd New Cumberlnd, PA 17070 3103 RE: Creditor. Four Seasons Investments, LLC Debtor. Mark E. Telencio Dear Mark E. Telencio, Four Seasons Investments, LLC as successor in interest to Chase Bank, has retained this firm to collect the debt of $10,474.77 that you now owe to Four Seasons Investments, LLC. You should direct all future communications regarding this matter to our attention at the above address and telephone number. The account is overdue. Payment in full is hereby requested. You have not paid the balance due on the account and are in default of your agreement. Please contact this office within thirty (30) days of the date of this letter to make arrangements for payment of the above debt. Monthly payments are acceptable. We only ask that you remember this debt each month when you pay your other bills. If we do not hear from you within thirty days, we may proceed with all actions of law, without finther demand. Very truly yours, Peter C. Fridirici, Esq. For the Firm UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS FROM RECEIVING THIS NOTICE, THIS OFFICE WILL: OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGMENT AND MAIL YOU A COPY OF SUCH JUDGMENT OR VERIFICATION. IF YOU REQUEST THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WELL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR. THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. y 6 A a a3? U34 David 1D. Buell Trothonotary KirkS. Sohonage, <ESQ Solicitor 7750 Renee X Simpson IS` Deputy 1T`rothonotary Irene E. Morrow 2nd Deputy ftothonotary office of the Prothonotary Cumberland County, Pennsylvania o!?%aia9CIV,L TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 30TH DAY OF OCTOBER, 2012, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P. 230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square 9 Suite 100 • Carlisle, DA 17013 9 (717 240-6195 • Fa,? (717 240-6573