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HomeMy WebLinkAbout10-2039BLED-OFFICE OF THE l? Ci'rHO1.0TAFY 2010 r, I'll 3 3 A i I ? 19 ? t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. ANNETTE M HARRISON Defendant No: (o- a0-3 a-w i L TeiM COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434=7955 FAX: 412-338-7130 08160278 C J Pit SJS O *got.oo BPD ATH w 443haoa 9?0 AV3a,l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No ANNETTE M HARRISON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 2. Defendant , is adult individual(s) residing at the address listed below: ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX9090 . 4. Defendant made use of said credit card and has a current balance due of $10154.07 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment against Defendant , ANNETTE M HARRISON , INDIVIDUALLY , the amount of $10154.07 with continuing interest thereon at the statutory rate of 6.000% per annum from March 09, 2010 , plus attorneys fees of $300.00 and costs. ames 436 08160278 C J Pit SJS Pit (41 This law firm is a debt collector att our client and any information obtain WEINBERG & REIS CO., L.P.A. enth Avenue, Suite 1400 rgh, PA 15219 34-7955 2-338-7130 ing to collect this debt for ill be used for that purpose. Payment Due Date New Balance 1 01105110 $1 154.07 Account num . Past Due Amount Minimum Payment $1,010.00 :,,374.00 CHASE 0 Make your check payable to: Chase Card Servi- Please write amount enclosed. New address or e-mail? Print on beck. 90 91094 BEX 2 34509 C ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG PA 17257-9727 Irr.IIIJrrIrrl,IrrLrlLrrlrlrrrrllrlJr.rllrrlrLrrllrrllrJ Inrlllnrlnlrlrlrlrlnrllrlulnrlnlrllnrlrullllnnrlrll Statement Date: 11/12109 - 12/11109 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198665153 Manage your account online: -chaw.mMaadkcards Minimum Payment: $1,374.00 Payment Due Date: 01105110 Additional contact Information ACCOUNT SUMMARY Account Num convanlerdly located on reverse side Previous Balance $9,852.03 Total Credit Line aw-wu Purchases, Cash, Debits +$78.00 Available Credit $0 Finance Charges +$224.04 Cash Access Line $930 New Balance $10,154.07 Available for Cash s0 The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800.955-8030 (tolled 1.902-594-5200) today. SHEETZ MASTERCARD REWARDS SUMMARY Previous Rebate Balance $0.00 To redeem your Shei tz Rewards Rebates Earned on Purchases $0.00 call the number on the back Rebates Unavailable for Redemption $117.52 of your card or log on to Rebates Expired This Period $12.31 www.chose.com. $8.68 Rebates Due To Expire on statement in January, 2010 Current Rebate Total $0.00 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description 9 Amount 12106 LATE FEE 39.00 11/12 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .07463% 27.24% $8,378.12 - $187.56 $0.00 $0.00 $187.58 Cash advances V.07463% 27.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.07463% 27.24% $1.628.51 $36.46 $0.00 $0.00 $36.46 Total finance charges $224.04 Effective Annual Percentage Rate (APR): 27.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. EXHIBIT 8160278 This Statement is a Facsimile - Not an original OODOD01 FIS33335C3 090 N Z 11 09n2H1 Pope1 111 05421 MA MA 91094 345100D0030009109401 X 0363 CMA12762 Cardmember Agreement ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered by this agreement. Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for 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 joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other person(s) to pay. Please sign the back of your card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whetheryou use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" and "our"mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. Theword "card" means one ormore cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall 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 valid and lawful transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated underthis agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a wayto use your account. We also refer to them in this agreement as a check or checks, You may use a check to pay for goods or services, to transfer balancesto your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of out related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We may treat checks thatwe call convenience checks as balance transfer checks. However, checks that we call convenience checks and that we indicated to you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates and fees. • Balance Transfers: You maytransfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow, But you may not transfer balances to this account from other accounts with us or any of our related companies. It a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; orto obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a paymenton your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: In orderto manage your account, we divide time into periods called "billing cycles". Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. If you do so, this account may appear on the credit report ofthat authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on your account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. If you notify us, we may close the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements, We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credit line may be used for cash advances, Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page 1 of 6 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason, we may charge you an overlimit fee as described in this agreement. We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At our discretion, we may increase, reduce, or cancel your credit line, orthe cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your credit line. A change to your credit line will not affect your obligation to pay us. International Transactions: International transactions include any transaction that you make in a foreign currency orthat you make outside of the United States of America even if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your card or account. We reserve the right to charge you an additional 3%ofthe U.S. dollar amount of any international transaction, whether that transaction was originally made in U,S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. Refusal to Authorize Transactions: We may, but are not required to, decline a transaction on your account for any of the following reasons: • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses if a transaction on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with an authorization system that we select. We will notify you if we want you to register. If you do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies is the payee on the check. • Your creditline or cash advance portion of your credit line has been exceeded, or would be exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default or would be if we paid the check. Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number or other means to access your account is lost of stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on your card or billing statement. Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account. You may be liable if there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than $50.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identifyfor us the unauthorized charges fromwhich you received no benefit. We may requireyouto provide us information in writing to help us find outwhat happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic debitthat will be processed or honored by your financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full `lalance that is marked "paid in full" or with a similar notation or that you otherwise tender n full satisfaction of a disputed amount (conditional payments), must be sent to us at the conditional payments address listed on your monthly statement. We reserve all our rights egarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may accept the payment and you will still owe any remaining balance, We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly statements. EXHIBIT a We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronically by sending the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment. The original payment check will be destroyed and an image will be maintained in our records. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooner you pay us, the less you will pay in finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance (the "New Balance" on your billing statement). If the New Balance is S10.00 or less, your minimum payment due will be the New Balance, Otherwise, it will be the largest of the following: 510.00; 2% of the New Balance; orthe sum of 1% of the New Balance, total billed periodic rate finance charges, and any billed late and overlimit fees. As part orthe minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at anytime. We may reduce the amount of any credit balance by the amount of new charges or fees billed to your account. Automatic Charges: You may authorize a third party to automatically charge your account for repeat transactions (for example, monthly utility charges, memberships and insurance premiums). If automatic charges are stopped for any reason lincluding because your account is closed or suspended for any reason) or your account number changes, you are responsible for notifying the biller and paying these charges directly. If your account number changes, we may, but are not required to, pay from your new account number charges that you authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account. If we do, we will notify you about the terms of the offer and how long they will be in effect. Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ('APRs') and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately, To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that apply to your account mayvarywith changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journaltwo business days beforethe Closing Date shown on your billing statement. The "Prime Rate" is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall Street Journal. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A "margin" is the percentage we add to the Prime Rate to calculate the APR. A "business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, if any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the minimum payment due by the date and time due. • You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. li any of these events occurs, we may increase the APRs (including any promotional APR) on all balances (excluding overdraft advances) up to a maximum orthe default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults on your account; other indications of your account usage and performance; information aboutyour other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate will take effect as of the first day of the billing cycle in which the default occurs. If we decide not to increase your APR even though there is a default or if we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associatedwith a different category oftransactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may 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 if you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subjectto a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for each category: • We take the beginning balance for that day, • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the and of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rates and Fees Table. If it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. Foreach categorywe calculate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a categorybythe applicable daily periodic rate, and multiplythe resultbythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, orfinance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or "grace period" applies only to purchases and does not applyto balance transfers, balancetransfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may charge you a balance transfer fee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may charge the following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether or not you use your account, and you agree to pay it when billed. The annual Page 2 of 6 CMA12752 membership fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your billing statement an which the annual membership fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual membership fee until you pay your outstanding balance in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we calculate the late fee using the Previous Balance on the current month's statement that shows the late 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 the date and time it was due. Overlimit Fee: If your account balance is over your credit line at any time during a billing cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee even if your balance is overthe credit line because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: If (a) your payment check or similar instrument is not honored, (b) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer check at your request, or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Administrative Fees: If you request a copy of a billing statement, sales draft or other record of your account or if you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you forthese services. However, we will not charge you for copies of billing statements, sales drafts or similar documents thatyou requestfor a billing dispute you may assertagainst us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. • You exceed your credit line. • You fail to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately, We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at any time for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorizeo users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to us upon request. You will continue to be responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OFANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFOREA JUDGE OR JURY, AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEALTHE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transa ction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act Ithe "FAX), 9 U.S.C. 91-16 as it may be amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, "we "us", and "our' also includes ourparent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we", "us" and "our shall include anythird party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and 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 other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement, your credit card Account orthe advertising, application or approval of your Account ("Claim"). This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any legal theory of law such as respondeat superior, orany other legal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreementorthe validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subjectto arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a parry who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a smell claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that even if a class action lawsuit or other representative action, such as that in the form of a private attorneygeneral action, is filed, any Claim between us relatedto the issues raised in such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint Cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The parry filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605, Web site: www.adr.org, 800-778-7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-forum.com, 800-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitratorwill either be a lawyerwith at leastten years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These procedures and rules maylimitthe amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel.The arbitrator will take reasonable siepsto protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a parry any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a parry to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of $500 upon receipt of proof of payment. Additionally, if there is a hearing, we Page 3 of 6 CMA12762 will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment 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. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing sc. Each party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all fees and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at anytime, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover any or all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiated by you or on your behalf; and (iii) payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at anytime, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. If you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. We may contactyou aboutyour account, including for customerservice or collection, at any address or telephone number as well as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record yourtelephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your accountwithin our family of companies, and with others outside ourfamily of companies including any company or organization whose name ormark mayappear onthe cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreementand atleastance each calendar year thereafter, describes ourinformation sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, ifyou choose notto exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights underthis agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMS AND ENFORCEMENT OFTHIS AGREEMENTAND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILLAPPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information aboutyour rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to payyour credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount againstyour credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amountthatwe think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboutyour bill. And, we musttell you the name of anyone we reported you to. We musttell anyone we report you to thatthe matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 If you have a problem with the quality of property or services that you purchased with a credit card„and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and Ib) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright ®2007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bank USA, N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. i-- f'natuxe) Ruben A. Alcaraz W WR# Client Account # Name f ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. "" Plaintiff No.10-2039-CV • ~n _ Q i:./ 6 vs. AMENDED COMPLAINT ~ ~ f ~ 3 c ~ ~ , ~_ ' ~~ ANNETTE M HARRISON ~~ r_ ~`' a~ a i ~ ' "~ - ~ . `~[1 ~ Defendant FILED ON BEHALF OF ~ t~~ ~ '~`~~ r` Plaintiff ~ c~. COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8160278 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. ANNETTE M HARRISON Defendant Civil Action No. 10-2039-CV AMENDED COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENICES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT 1. Plaintiff is a corporation with offices at 3700 Wiseman Boulevard, San Antonio, Texas 78251. 2. Defendant is an adult individual residing at 110 Vaughn Road, Shippensburg, PA 17257. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa.C.S.A. § 4122. 4. On or about July 11, 2006, Defendant applied for and was issued a credit card by Plaintiff bearing the account number xxxxxxxxxxx9090. Defendant applied for the credit card by Internet and the information provided by Defendant to Plaintiff's representative is set forth in the written document attached hereto as Exhibit "1". 5. Defendant was issued a credit card. by Plaintiff bearing the account number xxxxxxxxxxxx9090. 6. The aforesaid account is subject to the terms and provisions of a written customer agreement. A true and correct copy of Plaintiff s written customer agreement which was mailed by the Plaintiff to the Defendant, and which agreement was received by the Defendant, is attached hereto, marked as Exhibit " 2" and made a part hereof. 7. Defendant used the aforementioned credit card to take cash advances and to purchase goods and services. 8. Attached hereto, marked as Exhibit " 3" and made a part hereof are true and correct copies of the monthly statements on Defendant's aforementioned account, dated July 12, 2006 through December 11, 2009. 9. Pursuant to the terms of the agreement between the parties, Defendant agreed to make monthly payments on the outstanding balance on her account. 10. Defendant last made a payment on the aforementioned account on August 19, 2009 in the amount of $500.00. r ~ 11. Defendant is in default of the agreement between the parties by failing to make the monthly payments when due. 12. The balance due and owing to the Plaintiff on the aforementioned credit card account as of December 11, 2009 was $10,154.07. 13. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 14. Plaintiff avers that such attorneys' fees will amount to $300.00. 15. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Annette M. Harrison, individually, in the amount of $10,154.07 with continuing statutory interest rate of 6% per annum from December 11, 2009, plus attorneys' fees of $300.00 and costs. Respectfully submitted, James C. W brodt, 42524 WELTM EINBERG & REIS CO., L.P.A 436 Seve h A enue, Suite 1.400 Pittsbur , PA 15219 (412)43 -795 FAX:4 2-33 -7130 WWR 16 78 This law firm is a debt collector attempting to collect this e~1St for our client and any information obtained will be used for that purpose. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. X4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth. in this pleading, are true and correct to the best of his knowledge, information and belief. 06/07/10 PRIMARY APPLICANT INFO APPID 20060711835308 REFERENCE NUMBER 060711550046 TELEMARKETING NUMBER 70005428187W PRODUCT TYPE MP DIVISION 008 SOURCE CODE 5CN8 MERCHANT NUMBER NAME ,ANNETTE M,HARRISON SOCIAL SECURITY NUMBER _ ,4049 Hfx+}E PHONE 7174236881 ADDRESS 110 VAUGHN RD ADDITIONAL ADDRESS CITY/STATE/ZIPCODE SHIPPENSBURG LENGTH OF RESIDENCE 3400 PREVIOUS ADDRESS PREVIOUS CITY/STATE/ZIPCODE PREVIOUS LENGTH OF RESIDENCE DATE OF BIRTH 112337 NUMBER OF DEPENDENTS 0 EMPLOYER HOME. CARE NURSING SE POSITION NURSE CUSTOMER AGREES LENGTH OF EMPLOYMENT 3200 BUSINESS PHONE 7173777010 EMPLOYER CITY/STATE MONTHLY INCOME 172029 OTHER INCOME SOURCE OF OTHER INCOME HOUSING TYPE HOUSING AMOUNT CHECKING ACCOUNT Y SAVINGS ACCOUNT N MOTHERS MAIDEN NAME HESS AUTHORIZED USER ,RDBERT,HARRISON SECONDARY APPLICANT INFO JOINT NAME LOAN TERMS LOAN XFER FLAG LOAN XFER AMOUNT LOAN CHECK AMOUNT JOINT LENGTH OF RESIDENCE JOINT PREVIOUS LENGTH OF RESIDENCE JOINT DATE OF BIRTH JOINT EMPLOYER JOINT OCCUPATION CODE JOINT POSITION JOINT LENGTH OF EMPLOYMENT JOINT EMPLOYER CITY/STATE JOINT INCOME JOINT OTHER INCOME MARKETING-ID/REF-MEM-ID BALANCE XFER ACCT # 1 BALANCE XFER AMT 1 BALANCE XFER ACCT # 2 BALANCE XFER AMT 2 BALANCE XFER ACCT # 3 BALANCE XFER AMT 3 PA 17257 ;,, - ~ - __._~ ~~_- CMA12762 Gardmem6er Agreement ACCEPTANCE OFTHIS AGREEMENT This agreement governs your credit card eccountwith us referenced on the card carrier containing the card for this account. Any use of your account is covered bythis agreement. Please read the entire agreement end keep it for your records. You authorize us to pay for end charge your account for all transactions made on your account You promise to payus for all transactions made onyour account, eswell as anyfeesorfinance charges. II this is a joint account each of you, together and individually, is responsible for paying ail amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without tirst asking the other personas) to pay. Please sign the beck of your card when you receive it You will be bound by this agreement if you or anyone authorized by you use your aocount for any purpose, even if you don't sign your card. Whether you use your account or not, you wit! be bound bythis agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words `we`,'us" and'ovr mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you , "your" and -yours" moan alt persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as we0 as any person who agrees to be liable on the account. Theword•card'meansoneormore cards orlNlaer access deu~tes, SUclt as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR-ACCOUNT Your aocount is a consumer account and shalt 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 forvalld and lawful transactions. for example, Internet gambling may be illegal in some places. tt is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated underthis agreement Typos of Transactions: • Purchases: You may use your card to pay for goods or services. • Ctrecks: Wa may provide you cash advance checks or 6alanca Transfer checks as a wog to use your account. Wa also refer to them in this agreement as a check or checks. You mayuse a check to payforgoods orservicas,totranslerbalancesto youraccount, or for other uses we allow, But you may not use these checks to transler balances to this account from other accounts with us or any of our related companies. Daly the parson whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transler checks ate treated as balance transfers except ss noted in this agreement or any offer we make to you, We may voat checks thetwe call convenience checks as balance transfer checks. However, checks that we call convenience checks and that we indicatedto you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates and fees, • Balaace7ransfors:You maytransferbalances from other accounts or loans with other credit card issuers or other lehders to this account, or other balance transfers wo allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit lino, we may process a partial balance transfer up Io your available credit line. • Cash Advances; You may use your card to get cash from automatic falter machines, or From financial institutions accepting rho card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash like charges; orto obtain lottery tickets, casino gaming chips, race treckwagers orforsimilar boning tranaections.You may also use a third party service to make a payment on your behalf and b10 the payment to this account. • Dverdraft Advances: if you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdrett on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle; In order to manage your account, we divide time Into periods called "billing cycles", Each billing cycle is approximately one month in length. fur each calendar month, your account will have a billing cycle that ands In that month. Your account will have a hitting cycle ending in each calendar month whether or not there Is a billing statement for thatbilling cycle. Authorized llsers: If you allow someone to use your account, thot person will be an author)zed user. You may request an additional card for use by an authorized user on your account. 11 you do so, this account may appearon the credit report orthat authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that parson to use rite account as you can. You will remain responsible forthe use of your account and each card issued onyauraccount according to the terms of this agreement. This includes your responsibility for paying ell charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. I1 you notify us, we may cross the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of occess to your account from Thal authorized user. Credit Line:Your credit tine appears on your billing statements. We may also refer to the credk lute as a credit limit Your bilOng statement may also show that only a portion of your credit line maybe used for cash advances. Cash advances, including cash advance checks are charged again{t tiro cash advance portion qi your credit line, and all other llNlNt~tSons trrsehargbd agaihst your credltlfne. You ere responsible for keeping track 8~sQ~lo45 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is aver your credit line for any reason, we may charge you an overlimit tae as described in this agreement. We may, but are not required to, authorize charges that go over your credit fine. You must pay any amount over your credit line, end you must pay us immediately if we ask you to. This agreement appges to any balance on your account, including any balance over your credit line. Atour discretion, we may increase, reduce, or cancel yourcrerfit line, orthe cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your a red'rt line. A change to your credit Rne will not affect your obtig anon to pay us. International Transactions: International transactions include any transaction that you make in a foreign currency orthat you make outside of the United States of America even if ft Is made in U.S. dollars. If you make a transaction in a foreign currency, Vsa International or MasterCard International, Inc., wr71 convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each ent)ly uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date {which rate may vary from the rate the respective entity itself receivesl. or the government-mandated rate in effect on the applicable processing date. The rate in aflact on the applicable processing date may differ from the rate on the date you used your card or account. We reserve the right to charge you an edditional3%of the U.S. dollar amount of any international transaction, whether that transaction was artginelly made in U.S. dollars or was made in another currency and converted to U.S. defiers by Visa or MasterCard. In either case, the 3qo will be calculated on the U.S. dollar amount provided to us by that entity. Tho same process and charges may apply it any international transaction is reversed. Refusal to Authorize Transactions: We may, but are not required to, daclime a transaction onyour account for any oilhe Iollowing reasons: • because of operational considerations, • because your account is in default, • ii we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any tosses if a transacrion on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with an authorization system that we select We will notify you if we want you to register,ll you do not register, we may decline your online transactions, Refusal to Pay Checks: Each check you write is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required ta, reject ahd return unpaid a check for any reason, including the following examples: • We or ono of our related companies is the payee on the check. • Your creditline or cash advance portion onyour credit line has been exceeded, orwould be exceeded it we paid the check. • The check ispost-dated. If apost-dated check Is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on il. • You era in default or would be it we paid the check'. last or Stolen Cards, Checks oe.Or.eoent Numbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us et once by calling the Cardmember Servlee telephone number shown on your card or billing statement. Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of arty loss, theft or unauthorized use related to your account. You maybe liable if there is unauthorized use of your account from which you receive no benefh, but you will not be liable for mare than 550.00 of such transactions, end you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identify for us the unauthorized charges from which you received no benefit. We may require you to provide us Information in writing to help us find out what happened. We may also require you to comply with certain procedures In connection with our investigetfon. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sots forth the date and time by which we must receive the payment. You agree to payus amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. Tinanclal institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic debit that will be processed or honored by your financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of paymentwhich you send to us for less than the full balance that is marked "paid in full' or with a similar notation or that you otherwise tender ;rt lull satisfaction of a disputed amount (conditional paymentsl, must be sonrta us at the canditfonal payments address listed on your monthly statement We reserve a0 our rights ~egarding such payments. For example, it it is determined there is no valid dispute or it any such payment is received et any other address, we may acceptthe payment and you will still owe any remaining balance. We may refuse to accept any such payment by returning h to you, not cashing 1t or by destroying it. All other payments that you make should be sentto the regular payment address shown onyour monthly statements. EXHI91~ a We rasr?tye the right to electronically collect your eligible payment checks, at first 'nArllMyk~atgd.6ry! reprtrsentmeM, from the bank account on which the check is drawn, IIur ~ecefpt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronically by sanding the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment. The original payment check will be destroyed and an image wilt be maintained in our records. M}nimum Pnyment: You agree to pay at least the minimum payment due, as shown on your biging statemen4 so that we receive it by the date and time payment is due, You may paymore than the minimum payment due and may paytha full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooneryoupay us,the Iessyouwilt pay iniinance charges becausefinance charges accrue an your balance each day, Your billing statement shows your beginning bafanca and your ending balance {the 'New Balance' on your billing statement. If the New Balance is 570.00 or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: S10.00; 2%of the New Ratance; or the sum of 1 % of the New $alance, total billed periodic rate finance charges, and any billed late and oveAimlt fees. As part of the minimum payment due, we also add any amount pest due and any amount aver your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way thatis most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs {such as promotional APRs1 before balances with higher APRs. Credit Balances: You rosy request a refund of a credit belanco at any time. We may reduce the amount of any credit balance by the amount of new charges or tens billed [o your account. Automatic Charges: You may authorize a third parry to autornetically charge your account for repeat transactions Ifor example, monthly utility charges, memberships and insurance premjumsl. II automatic charges are stopped for anyy reason{Including because your account is closed or suspended for any reasonl or your account numberc hhnges, you ate responsible for notifying the biller and paying these charges directly. ti your account number changes, we rosy, but are not required to, pay from your new account number charges that you authorized to be billed to your old a c count number. Promotions: From time to time we may offer special terms for your account. If we de, we will notifyyou about the terms of the otferand how long they will be in effect. Any promotion is subject to the terms of this agreement, as modified Dy the promotional offer. RNANCECHARGES Daily Periodic Rates sad Annual Prrcentega Rates: Your enhnel percentage rates ("APRs"j and the corresponding daily periodic rates are listed on the Rates and Fees Table [het is at the end of this document or provided separately. To gat the daily periodic rate we dh+ide the APR by 365, and In effect always round up at the fihh place to the right of the decimal point. Variable flares: One or more APRs that apply toyour account mayvarywith changes to the Prime Rate. When you have an APR that varies with changes to the Prima Rate, we calcufate the APR by adding a margin to the Prime Rata published fn The Wa!! SrreerJoumaltwo businsssdays before the Closing Date shown on your billing statement. The "Prime Rate' is the highest (U.S.) Prime Rate published in the Money Rates section of The Watt Streer Journal. I( TAe Wall SrreetJournal stops publishing the Prima Rate, we wilt select a similar reference rate and inform you on your billing slatament or through a separaio notice. A "margin" is the percentage we add to the Prime Ra[e to calculate the APR. A "business day" is any day that is not a weekend or federal holiday. Tho Retos and Fees Table shows which rates, if any, are variable rates, It also lists the margin for each variable rata and any minimum dally periodic rate and corresponding APR. Two business days before the Closing Oato shown on your billing statement,we see what die Prime Rate is. Wa then add the applicable margin to that Prima Rate to get the APR. The daily periodic rate is calculated as described above. It ourcalculatlon results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation.ll ttte daily periodic rate increases, you will have to pay a higher poriodic finance charge and may have to pay a higher minimum payment. Default Rates; Your APRs also may vary it you ere in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that Is owed on this account or sny othor account or loan with us, at least the minimum payment due by the date and time due. • You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. Ii any of these evonts occurs,we may increase the APRs {including any promotional APR) coati balances (excluding ovordraftadvances) upto amaximum oithe default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has bean open, the existence, seriousness and timing of the defaults oft your account; other indications of youraccount usage and performance; information about your other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate vvifl take eitect as of the first day of the billing cycle in which the default occurs. if we decide not to increase your APR even though there is a default or ii we do not increase your APO up to the maximum default rate stated in the Rates and Fees Table, we reserve our fight to increase your APR in the event of any future default. We may in out discretion determine to charge reduced detauh rates or reinstate standard rates for all or selected balances on your account. Finance Charge Caleafation -Average Daily Balance Method (including Hew Traasaetiorra): We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balsnce transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promodon).These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic Rnanbe charges far 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 ft you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subjectto a promotional rate the same way, but we use the promotional rata. To get the deify balance for each day for each category: • We take the beg}nning bafanca for that day. • We add to that balance any new transactions, foes, other charges, and debh adjustments titat apply to that category. We add a now purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a new cash advance check or'balence transfer check to the dally balance as of the date the cash advance check or balance transfer check is depbshed by a payee, or a Tatar date of out choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zoro. To get the beginning balance for each category for the next day, we add the deify periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for tho category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we wilt charge you at (east the minimum periodic finance charge stated in the Rates and Fees Table. If it is necessary to odd an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance chargo on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. For oath categorywe calcufate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a category bythe applicable daily periodic rate, and multiplythe result bythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable totltat billing Cycle, except for ntinorvariations due to rounding. Grace Period and Accrual of Finance Charges: We e c true periodic finance charges on a transaction, fee, or finance charge from the date ft is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges an newpurchases billed during a billing cycle if we receive payment of your New Balance by the date and dme your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or'grace period' applies onty to purchases and does not apply to balance transfers, bafanca transfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Adveaces: We may charge you a aesh advance fee in the amount stated in the Rates and fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make s payment on your behalf and the service charges the payment to this account, we may charge a transaction let far the payment. These transaction fees era Bnance charges. We add the fee to Ute balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be addsdto your cash advance balance. 7rensaction Fees forBalance Treaslers: We may cltarga you a balance transfer tee in the amount stated in the Rotas and Fees Table for balanoe trensler checks and balance transfers. These transaction teas are finance charges. We add the tee to the balance for the related category as of the transaction date of the balance transfer, for example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may charge the following fees. The amounts of these tees are listed in the Rates and Fees Table. These tees wilt be added to the balance for purchases made during the billing cycle. Annual Membership Fee: !f your account has an annual membership tee, it will be billed each year or m monthly installments {as stated in the Rates and Fses Table), whether or notyouuse your account, and you ogres to pay it when billed. The annual 816U ~FeSg~ of 6 CMA12762 membership tae is non-refundable unless you notify us thatyou wish to close your account within 30 days of the date we mall your billing statement on which the annual membership lee k charged and at the same time, you pay your outstanding balance In full. Your payment of the annual membership fee does not alTect our right to close your account or limit your right to make transactions on your account. If your account is closed byyou or us, we will continue to charge the annual membership foe un01 you pay your outstanding balance in full and terminate your account relationship. Late Fse: If we do not receive at least the required minimum payment by the date and time It is due as shown on your billing statement for anybilOng cycle, we may charge the late Fee shown in the Rates end Fees Table. If the late fee is based on a balance, we calculate the Tate fee using the Previous Balance on the current month's etetement that shows the late toe. This balance is the same as the Naw Balance shown on the prior month's statement for which we did not receive et least the required minimum payment by the date and time ii was due. Ovarlimit Fae: If your account balance is ovaryour creditline at anytime during a billing cycle, even it only for a day, we may charge an ovarlimit fee.~We may charge this fee even if your balance is overthe creditline because of a finance charge orlee we imposed or a transaction we authorized. We will not charge more than one overlimlt fee for any billing cycle. But we may charge an ovarlimit fee in subsequent billing cycles, even i! no new transactions are made on your account, it your account balance still is aver your credit line at any time during the subsequent billing cycles. Return Payment Foe: If (a) yatrr payment chock or similar instrument is not honored, (b) en automatic debit or ether electronic payment is returned unpaid, or (c) wa must return e payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: ll (a} we stop payment on a cash advance chock or balance transfer check atyovr request, or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a re[unt check fee. Administrative Fees: If you request a copy of a billing statement, sales draft or other record of your account or it you request two or more cards or any special services (tor example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you request for a billing dispute you may assert againstus under applicable law. We may charge, for any servinas listed above and other services we provide, rho lees from time to time in effect when wa offer the service. DEFAULT/CDLLECTION We may consider you to be in default if any of these occurs: • We do notreceive at leastthe minimum amountdue bythe date andtime due as shown on your bi8ing statement. • You exceed your credit line. • Ynu tall to comply with the terms of this agreement or any agreement with one of our related companies. • We ob[a1n information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your a ccount without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deorn your account to be six or more billing cycles pest due. To the extent permitted by law, If you are in default because you have tailed to pay us, you will pay our collectiob costs, artorneys' fees, court costs, end all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we may require that you eanlirm your request in wrlting. Ws may close your account at any time or suspend your credit privileges at any time for any reason without prior notice except as raqulred by applicable law. if we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. II you or we close your account, you and any authorized usrlrs must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to vs upon request. You will continue to be responsible for charg es to your account, even if Choy arc made or processed after your account is closed and you will be required to pay the outstanding bslence on your account according to the terms of this agreement. in addiGon,to the extent allowed by law, we may require you to pay the outstanding balance immediately or al any time after your account is closed. ARBITRATIDN AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. 17 PROVIDES THAT ANY DISPUTE MAY BE RESDLVED 8Y BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TD GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OA OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE T6 8E PAflT OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAO A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OA JURY, AND/Ofl TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND ETHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE 1F YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TD APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERW (SE PROVIDED BELOW, THOSE RIGHTS AAE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction irnolving interstate commerce, artd shall be governed by and be enforceable under the Fadaral Arbitration Act (the "FAA7.9 U.S.C. §t-16 es it may be amended. This Arbitration Agreemem sets forth the circumstances and procedures under which claims (as defined below} may be resoNod by atblvatlon Instead of being litigated in court. Parties Covered. Forthe purposes of this Arbitration Agreement,'we ,•us",and"our' also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and ell of their officers, directors, employees, agents, andessignsoranyandallofthem.Additiona0y,`we•,'us and'out"shallincludeangthird parry providing benefits, services, ar products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards. programs and enrollment services, credit insurance companies, debt collectors, and elf of their officers, d'uectors, employees, agents and representatives) if, and only i(, such a third party is named byyou as a co-defendant in arty Claim you assert againstus. Ciafms Covered. Either you or we may, without the other's consent, elect mandatary, binding arbitration of any claim, dispute ar controversy by either you or us against the other, or egalnstthe employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement,your credit cardAccount or the advertising, application or approval 01 your Account ('Galm7. This Arbitration Agreement governs all Claims, whether such Claims era based on lea, statute, contract, regulation, ordinance, ton, common law, constitutional provision, or any legal theory of law such as raspondeat superior, or any otherlagal or equRable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreernant include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the farm Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims Thal are made as counterclaims, cross claims, third parry claims, interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim thefts within that court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that even if a ciass action lawsuit or other representative action, such as that In the form of a private atrorney general action, is filed, any Claim between us rotated to the issues raised in such lawsuits wll be subject to an individual arbitration claim if either you or we sa elect. No arbitration will be consolidated whh any other arbitration proceeding without the consent of all parties. The ony Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicen6 joint cardmembe , ar authorized user o1 your Account, or your hairs or your trustee in bankruptcy or (2) those brought by you and any co-epplican4 joint cardmomber, or authorized user of yourAccounL oryour heirs or your trustee In bankruptcy againstus. Initiation of Arbitration. The partyfignp a Claim In arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or Natonal Arbitration forum. These administrators are Independent from us. The administrator dues not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by en impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shalt be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in wlticlr you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration end arbitration fees, and inshuctions for initiat)ng arbitration by contacting the arbitration adminisUators as follows: American Arbltratiort Assoclatloa, 335 Madison Avenue, Floor 10, New York, NY 10017.4fifYa, Web site: wuvw.adr.org, 800-778.7879; or National Arbitration Forum, P.0. Box SD191, Minneapolis, MN 55405, Web site: www.arbitration-forum.com, 800.474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will either bs a lawyer with at least ten years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of rho arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules ere incohsistent with this Arbitration Agreement, in whloh Casslhls Agreementwill prevail. These procedures and rules may limit the amount of discovery available to you or us. The erbltretor will apply applicable substantive law consistent with the FAA and applicable statutes of lirn(tstions, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator will take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or ua, The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a parry to the proceeding. ff the law authorizes such relief, the arbitrator may award punitlvo damages ar anorney fees. The arbitrator will make any award inwrlting but need not provide a statement of reesans unless requested bye party. lJpon a request byyou or us, the arbitrator will provide a brief statement of rho reasons for the award. Costs. We will reimburse you for the initial arbitrotion filing fee paid by you up to the amount of 5500 upon receipt of proof of payment. Additianelly, if there is a hearing, we 81602~~ of s cMA,2762 will pay ahy foes of the erbltralor and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will ba made directly to the arbitration administrator selected by you or us pursuant to tftis Arbitration Agreement All other fees wilt be allacatedrn keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse til'mp tees and other tees {(the arbiration administrator ar arbitrator datermines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party wNl beer the expense of ttre lees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal fas permitted below}, except that the arbitrator shall apply any applicable law in determining whether a party should recover arty or elf fees and costs from another party. Enforcement, finality, ep~eals. Failure ar any delay in enforcing this Arbftretfon Agreement at anytime, or m connection with any particular Claims will not constitute a waiver of any rights to require a rbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding wNl be final and binding on the parties, unless a party appeals in writing to the arbitration organizaton within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration organization, The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a singlo arbitrator, end make decisions based on the vote of the majority. Each party will bear their own lees, costs-and expanses for any appeal, bur a patty may recover any or elf lees, costs and expenses Irom another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the 'FAA or other applicable law by any court having jurisdiction. Severebility, survival. This Arbitration Agreement shag survive; -i) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or rite transferring of the balance in the Account to another account; Iii) the bankruptcy of any party ar any similar proceeding initiated by you or on your bahalJ; and {iii) payment of the debt in full by you or by a third party. !f any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remeinsnforce. CHANGE570 THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions era called "Changes or e'Change". We wiN notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice wilt describe any rights you may have with respect to any Change, and the consequences if you door do not exercise those rights. For example, the notice may state chat you may notify us in writing by a specified daro if you do not want to accept certain Changes we era making, If you notify us in writing that you do not accept the Changes, your account may be closed -il it is not already closed} end you will be obligated to pay your outstanding balance under the applicable terms of the agreement it you do eat notify us in writing by the date stated in the notice, or if you notify us but than use your account after the date slated in the notice, you will be deemed to accept all Changes In the notice and to accept and confirm ail terms of your agreement and all Changes in prior notices we have sent you regardless o1 whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining inlormatfan from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request addhional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account nurnbar, telephone number and a brief description of the problem, If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows the[ you are right, we will comact each credit bureau to which we reported the information artdwill request they correct the report. If we disagree with you after our investigation, we wit! tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. N071CE5/CHANGE Of PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our Gies. Or, if this is a joint account, we can sand billing statements and notices to any joint account holder. Motice to one of you will he considered notice to ell of you and all of you will remain obligated on the account. If you change your name, address, or home, Cellular or business telephone number or email address Iii you etact to receive billing statements or other notices online}, you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. We may contactyou about youraccount,including for customerservice orcollection, at any address or telephone number as well as any cellular telephone number you provide trs. TELEPHONE MONITORING AND RECORbING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and ii applicable, our agents, may do so, whether you or we init)ate the telephone call. INFORMATION SNARING You authorize us to share certain information about you and your accountwithin our family of companies, and wuh others outside our family of companies including any company or organization whose name or mark may appear on the cards, as permittttd by law. Our Privacy Policy, which is provided to you when you first receive an agreement and atleastonce each calendaryearthereafter, describes ourinformation sharing practices and the choices you have and dhections you may give us about our sharing of information about you end your account wbh companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share informatgn about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure Fells under another exception In the few (such as sharing information to process your transactions or in response to a subpoena. You herebyagree that, if you choose not to exercise the applicable opt out described in our Privacy PoOcy, yyou will be deemed to have authorized us to share personal information we have aboutyau jlncluding iniormarfon related to shy of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCENG THlS AGREEMENT We can deloy enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms wiN remain in lull force. ASSIGNMENT We may assign your account any amounts you awe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment wriil be entitled to any of our rights that we assign to Ihat person. GOVERNING LAW THETERMSANO ENFORCEMENTOFTHISAGREEMENTAND YOURACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEO ERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCDUNt FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement H you have any questions about your account or this agreement. YOUR BILLING RIGHTS Neap This Notice For Futrre Use This notice contains important information about your rights and our responsibilities under the Falr Credit Billing Act, NolRy Us In Case Of Errors Or Questions Abant Yoor B311 If you think your biN Is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address Shown on your billing statement Write to us es soon es possible. We must hear from you no later than 60 days alter we sent you the titer bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • 7hedollaramountofthesuspectederror. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically Irom your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your tenor must roach us at least three business days before the automatic payment fs scheduled to occur. Your Rights And Our Responsibilities Alter We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then, Within ff0 days, wo must either correct the error or explain why we believe the bill was correct. Attar we receive your letter, we cannot try to collect any amount you quesfwn, or report you as definquenl. We can continua to bill you far the amount you question, including finance charges, and we can apply any unpaid amount egainstyour credit line. You do not have to pay any questioned amount while we are investigating, but you ors still abligatod to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not havo to pay any finance charges related to any questioned amount. It we didn't make a mistake, you may havo ro pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we wRl send you a statement of the amount you owe and the date that it fs due. If you call to pay the amount thot we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling trs that you still refuse to pay, we must tell anyone we report you to that you havo a question aboutyourbill.And, we must tellyou the name of anyone we reported you to. We musttoll anyone we report you to that the matter has bean settled between us when it finally is, If we don't follow these rules, we can't collect the first $50.[N1 of the quest'raned amount, even if your bill was correct. Special Roles for Credit Card purchases $''sO~rB of ti CMAt2762 H yoti have a problem with the quality of property or services that you purchased with a credit card,.and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transoctions. There are two limitations on this right: fa) You must have made the purchase in your home state or, fl notwithin your home state, within too miles of your current mailing address; end (b) The purchase price must have been more then 550.00. These limitations do not appy Ifwe own or operate the merchan, or it we mailed you the advertisement for the property or services. Copyright m20W JPMorgan Chace & Co. Afl rights reserved. 81609°$°f s CMA12782 Statement for aaoourl raantlar: soD1 3830 2301 sa33D New Balance Paynwtl Oue Date Peel Due Amoure Afrimum P°''menl CHASE O {2p8.64 1''~OW05b6 :0.00 310.00 Amount Entloaad 'f ~Yakeyaur d.aelcppgqaNaa CMae GaM 9eMma ~- Naw adtrasa or e~mslR Pdra m back. 54016830264190900DDO10000D02966400DOOD4 lwtseoc zabse 1,,,111,1,.1„1.1., I.,11,,,1,1,,,,11,1.1...11,,1,1r„11„II„I ANNETTE M MARRI30N 110 VAUGHN RD CARDMEMBER 9ERVK:E SHIPPEN38URG PA 17257 PO BOX 15163 WILMINGTON DE 1x886-6163 1:5000 L60 2B1: 209 30 264 i90903M 3latentent Dele: o7/12N8 -O9r11/06 CUSTOMER SERVICE Payment DUe Da1x: INt05/06 In U S 1-604231.2568 . . Mininum Payrnern Due: 510.00 Eapafbl 1-069146.3306 TDD 1-600-655.8060 Pey by phorw 1-80036-7858 Outside U.S. cdl cdlacl MASTERCARDAOCOUNTSUMMARY AeeotsntNurlrbar- sal se392a41 11090 1.3o2-ssaa-azoo Previous Baance 50.00 200 ACCOUNT INpUIRIE3 Total Credt Line 513 Purtllaaas, Cash, Detite +52x6.64 , 803 P.O. Bos 152x8 Avdleble Credit 512 New Bdencs 286.64 , WilminOton, DE 1x850-5288 Cndt Aoeees Line 52,640 Avdlade br CeM 52,640 PAYMENT ADDRE33 P.O. Box 16163 Wilmrglon, DE ix8B6d153 VI31T US AT: W W W rlteaw mm2.edilrares SN En yA4=T 11rARD R WARDS PROGR Previous Rebate Baance 50.00 Rebates Earned ri: Stdemem lOx Rebslea Eamad his Stmemers lx ` ~ F b ~ S Rebates Redearnad ilia statemertl O.oo ~ ~ ~ i ~ ~„ Ig szs.oo Rebalae Avdlable b be Redeemed S0.6e Retafea Earned his Vear 525.68 50.6x Rebelea to elrpire on statement dale fn AuOuaf OB TRANSACTIONS O Blink Treroac.on Tram Dale Relarenw Number Merchem Name ar Tranax8on Deaniplon Amoum Credt Debit 07!23 054101x62044x876402 2x0 0000 3 HI N U A 4 51 07h2 054101x62014x675x638017 H ETZ 00000003 9HIPPENSBU PA 49 OD 07/28 054101x620x4x8783577814 SHE OOOODOD3 SHIPPENSBURG PA . 2000 OT 054101x62 14x67x2761646 H 0000 3 U A 2x.32 07/30 054101x62114x8792768111 HEETZ OOO030030ETTY38URG PA 1530 08/07 054101x62151x8Bp7056649 HEETZ 00000003 SHIPPENSBURG PA 21.01 08/03 054101x62/64x880x768211 HEETZ OD0000033HIPPENSBURG PA 411 50 OMD7 054101x62 1 548 880714778 0 H D0001 3 HAM BU A . 50.00 0 OS 6222542676767703 K aW52 x ~~ FINANCE CHARGES Drly Periodic Role Corroepontlirg AvereOe Daily Balance Fnertce CherOe Due Treneedion FINANCE Cefexory 30 days in qck APR To Periodic Role Fee CFIARGE3 Ptxafaeea .ooooox o.oox Cash advencee V 06642x 24 24Y sooo So.oo so.oo So.oo . . . Sd.dd So.od 50.00 50,00 Tbfd Enance dlerxee ~.~ E1Notlw Annual PManla9e RaM (APR): 0.00% Please see IMOrmalion ADOUt Your A¢ount section for bdartce computaton method, xraoa period, end other irnporlam irnormaton. The Conespondinp APR is the role of irnerad you pay when you carry s balance on any yenaaaion calepory. Tha Eltaeive APR represents your lmal finaro dlar8es - Ir>cl W fn8 tren6eelon fees sudl m cash advance ontlbal~nce tratslerfax - eRprwsed ae a perceraaxe. 8160278 Thb Statement Is a Facsimile -Not an original X,a0a000a Fra7l336CJ eDd N Z it assent Pq.ltll os.a Ae1Ml1)aot5 iZ9loomW00Dram30, 6 of 137 Steltement toY aooourtt rtwnbar 6401 6830 2M1 YooD /~~ New Bdanee Payment Due Dete Pmt Due Anlourn Minimum Peyrnent ~ CH/r"l~E O (469.42 1 W09N6 (0.00 (10.00 ahtre your et»ak Payaela r Char Cab OeMra Amount Enebeed f Naw b1Ml or rnwl7 Pnrx w back. 54D1683D26439D9000D010DDOOD46942000DOD6 a:twaeExzawc I,,,III,I.,1„I,I.,I.,Il.rrl.l,,,,ll,l,l,.,ll,.l,1.,,11„11„I ANNETTE M HARR ISON 3HIPPEIIg8UA6 PA 17257 ~ CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1B8E5-5163 I: 500D i6D 281: 209 30 264 i 9090 3aa 30abntentDete: 0911286-011/09 CUSTOlSERSERVICE Payment Due Data: 1WbN06 In U.S. 1-900231-2566 A4nyntm Payrnern Dua: f10.oo EspaROl 1-991y446-3309 TDD 1-800965.8060 PaY by phoro 1-00036-7959 Outride U.9. ®II cdlect MASTERCARD ACCOUNT SUMMARY Aeeo,nt Nunlbar: 5401 6830294/ 9090 1302 594-e2oo Prwloua Bdanw E208.64 Total Credit Line (13,200 ACCOUNT INOUIRIE3 P O Sox 15299 Payrttent, Cradib ,(298.94 Ave9attp Credn . . (12,730 1A91mk1g1oR DE 19950-5299 Purdlasea, Cash, Dehita ,5499.42 Ced1 Amen LIne SZ 640 Naw Bdanca 9.42 Avdla6le br Cedl (2,640 pAYMENY ADDRE33 P.O. Box 15153 VAlmin9lon, DE 199 96-5 15 3 - V85rT US AT: www Mlar mmkretitwrda SHFEn ex:r R A r) R WARDS PR0C3R u PreMoua Rebate Bdanw (0.69 Rehtea Eamb rii. Statement 10% (31.42 Rebataa Eamb rile 3ta0emere 1% 50.00 Relxatm Rsdearrled riia 3latsrront (25.00 Rebafw Ardlada b ba Redeemed f7.11 Rebates Eamed rile Veer (67.11 (7.11 Rehetea to e:~ire on tletentent dale ri September o8 FlNANCE CHARQES Fnslw Cfspe Oaiy Periodic Rats Conseil. AwraOe Daty Sdance Due To Trenrcliort Aouzrul.ted FINANCE Cetsgory 31 days in eyds APR Pedo6c Rate Fee Fit Cttarye CHARGES Pvehaeaa .0000091 O.OOY. 50.00 50.00 50.00 (0.00 50.00 Cmh advances V .06642% 21.24% f0 00 (0.00 (0.00 (0.00 (0.00 Total finenw 1riar0ea E0.00 E7laetlw Annual Parosmays Bala (APIA: 0.009(. Plmr am Inbnnetlon About Vour Acmurn section for balance comptnetion mstllotl. yece period, end other irrportarn inbnnetion. The Correaporr6np APR is rie rate o1 ittarsst you pay when you carry a bdanw on any taneeabn category. 8160278 The Ettaaive APR rapreaents your told lnance amryee - ntluding trenraion teen euU1 ea wah e0venw and bdenoe tender tees - exprerb ea a perwma0e. Thb Statement Is a Facsimile -Not an original R 0000001 F19310a6 C ~ 000 N 2 11 OQOMt I Pq. 1 d / Oa121 141 \U1 sao,a ZSt10000R10000~01a01 70 of 137 TRANSACTIONS O Blink Trarlraion Traro Arrourn Dale Relaranw Nurnbw Merchant Name or Trataeclbn Daecripion Credo Debit Statement for sooo1r11 n,mb.r: GAOL eeso ze„I soYo New Bd eance Prymanl D ~6 Past Due Ar~ Q wirimum P faymet0l CHASE Q Amount Eralossd 1~~J MWeyeuraAst p~yyesk b CMae Card leMsa. Nw• Wdnaa v •-rrWr! Prim m Oedr. 54016830264190900DDOlODD00027611DDOD002 m4>,eorzswee 1..,111,1,.6,1,1.,1..11„.I,I.,.11,1.1...11.,1,1.,.11,.11..1 ANNETTE M NARRI$ON lto VAUGHN RD CARDMEMBER SERVICE SHIPPEN38UR0 PA 17267 PO BOX 15153 WILMINGTON DE 1a88ti-5153 ~: 500D 160 281: 209 30 264 1909D 3se Staarrwnl Dale: OW12N8 - id11/06 CUSTOMER SERVICE Payment Due Data: 11A6l06 In U.S 1-800-231-2568 Minmvn Peymerd Due: . f10.00 Eapalbl 1-888-M6-3308 TDD 1-000-a55-B06D Pay t>y phone 1.800-036.7658 Outside U.3. cell cdlect 1.302-SW-8200 MASTERCARDACCOUNTSUMNUIRY Ar:erwrltNUrrrber• 6407 se3ozan Soso Previous Baltnce S~6D.42 To1W Credt Line 200 ACCOUNT INOUI W ES 513 Payment, Credill -L18D.42 Availede Credit , 021 P.O. Box 152e8 f12 Purdtaeee, Cash, Debits +5278.11 CaeA Ac,;ees Urte . f2,rS40 WdmingAOn, DE 18850-52D8 New Belna 278.11 Available br Caeh 52.640 PAYMENT ADDRESS P.O. Bo:15153 Nhlmirgton, DE 168863153 VISIT US AT: 1ed(w.dtaee. mrNcreditrBrda $HEEII_11ASTERCARD REWApDS PROC--RA Y Rwious Flebsts Balance f7.t1 Rs1:aM Eamad fie Slslemwa 10% f15.1a Rebates Eemed hie Slelemad 3X 53.e4 Rebates Eamed fih Statexned 1X f0.00 Rebmea Redeemed thin Shtement 526.00 Rebates Avellade to be Redeemed f t.14 Rebates Eamad rile Year (76.14 51.14 Rehslsa to egoie on ewement dale in Ocbber 08 TRANSACTIONS ® Sink Traneeaion 8160278 Thls Statement Is a Facsknlle -Not an orlglnel 7C ooaoem r--ISaams e a aoo N z t r aenon r vq• r a z oe.a ru ru zs~ar zee omomoaozva~a 92 of 137 Trans Amount Date Relvence Number MBrcMm Name v Tmaaction DeecripSOn Credit Debit slatemem Date: oon voe - ion troe Acoourn nk,rnoa: 64ot eseo zeal eorro Pape z of z 8160278 FINANCE CHARGES Fimnce Charye o:ly Perbao a.fe Correep Awrpe Daiy eelen® ow 7o Trarwac6on Acaimulaled FlNAfiCE Calpory 30 days in eyds APR Periodic Fiore Fee Fn Cnarge ptARGE9 Purdrases .00000% 0.00% 60.00 50.00 50.00 50.00 50.00 Caen advanws V .06642% 24.24% 50.00 50.00 50.00 50.00 50.00 Toted finanw diaryes 50.00 EtYetlw Artnusl Pereenfage Rafe (APR): 0.00% Pbaee aae Irdorrrrofon Aboul Your AOCOUttt segion for bslanes conptnefon meriod, prone period, and oriar krgonant inlormeSOn. The Coneepondirtp APR is the role of kdereet you pey when you carry s belanoe on any trarteacYon wtagory. TTe Etleaive APFi ropreeanfs your btal finance a,argae - Inaudinq treneactbn fees aueh as esah sdvance and Delanw trsnsiet tees - ecpessed n a percampe. This Statemerrt Is a FaCSlmlle -Not an oirig~al 7Cooooam Flxwasca o0o w z rr oetv+r vaa.zaz oazr rwuhau~ zeaoomoaooou~aoz 94 of 137 Statement tor.ooou,l numbs: sow 063p 21fg1 9oY0 New Balenee Payment Due Dat. Peet Due Amoum Minimum Paymr,t CHASE O (856.03 12/08A6 50 00 (17.00 Blake ywr dreok pay~W to Orr Cerd 9eMrs• Amounl Encbeed f Nan Wdrnx a a-mJyr Prim m Wdc. 54016830264390900D0017D000Db5603DDD0002 sraraFarzateae Ir,rill.l„1„1,1..1.,11,,r1.1...,11,1.1,.,11„I,I.r,ll„Ilrrl ANNETTE M HARRISON 110 VAUGHN RO CAROMEMBER SERVICE 3HIPPENBBURG PA 17257 PO BOX 16153 WILMINGTON DE 16866-5153 ~: 500D 160 281: 209 30 264 i 9090 3aa 3fetenfant Data: 1N12r06-11/11/06 CUSTOMER SERVICE ' Payment Dtre Date: 12Ae108 kt U.S. 1-800.231-2568 Minynum Paymsm Due: 577.00 Eapallol 1-B884t6-3308 Too 1-coo-ass-BOea ~y W phone 1-eooa36-7cse Oueide U.S. call coeecl MASTERCARD ACCOUNT SUMMARY Aeeount Numbr: B4W Be3o 2641 fOfO t-3o2-6a4-eto0 ProMOtu Balance (278.11 Total Credit Lirr (17,200 ACCOUNT INWIPoES P O Box iSZeB Payrnant dedite Pvdtasea, Cash, Debits -$278,11 .$868.03 Aveleble Credit Cash Axeea Urr . . E12,343 E2.6/0 Nlilmin0lon, DE 18850-5286 New Balance 858.03 Avarlede br CeYt 52.610 pAYYENT ADDR643 P.O. Box 15163 Wilmirtplon, DE 198883153 VISIT US AT: vrarw_tlree mrNcredit®rde SHEETZ M_!STE?CARD REWARDS PROGRA M PreMWa RWrde Balance 51.14 Rebates Eamed trio Slalemaa 3x SS.B6 Rebates Eemad rile Sftaemare tx 56.54 Rebates Available b be Redeemed 513.54 Rabsge Eamed rile Peer 566.54 51.14 Rebates to expire on statement dale In Ocbber o6 TRANSACTIONS S Sink Trensdion FlNANCE CHARGES Fnanes Charge Daily Periodic Rate Caresp. Average Dally Balance Due To Treneaaion Acarmuleted flNANCE CetepOry 31 days in cytle APR Periodic Role Fee Fn Cherpe CHARGES Fondness .000009E o.oox So.oo fo.oo So.oo So 0o f0.oo c.an aOvances v .o664zx zs.zax So.oo (0.00 So.oo So.oo Eo.oo Total Bnence drrpr ~.~ ElleeOw Amua1 Perantape Rate (APR): 0.00% Please ra IMamation Abdul Your Accotxtt eartion for baance oomputaton method, ~ece period, and other importers IMormeton. 8160278 The Cortaeporxlinp APq ie the rate o1 imerael you pay when you carry a balance on any taneatlion ctneAay The sheave APR represents your total ententes dtarpea - indudvt0lreruac8on leas autlt Bs rash advance ens balance transfer fees - expressed ae a pxcema0e. This Statement Is a Fecsimlle -Not an original );ooooaor casaxssca ado e z tt aen+nr rq.td+ sear uwwerase autaaoomoaova,aa 62 of 137 Trans Antour8 Date Reference Number Martltant NerM or Traneetlion Desaiptbn dedd Debit Statement to..ooor.d rrubtteY: SADt 1683016610000 N.r6~/5a"" Payment we~ Pest Due Ar~ U h8rimum P=aymenOt CHASE Q Amount EnaosM ~ ss.re yr" a.eek pprysy~s6k to el.. herd serN:. = New tddress o smell? PAR On Dsek. 5403683026419D900DD010D00004557D0000000 seotonotz~xsoec Ir..lll.lrrlrrirl.rl.rllr..l.lr...11.1.1...11.,1.1...11..11..1 ANNETTE M HARR830N BMIPPEI 38U~ PA 17257 CARDMEMBER 9ERYICE PO BOX 16153 WILMINDTON DE IeBBS-6153 ~: 5000 16D 281: 209 30 264 L 909D 3M Stalerttent Dste: 11172.06 - 12/11/06 CWTOMER 3ERNCE Ptryment Due Dale: ANrf'vrum PayrnsrA Due: OlA1yp7 In U.3. 1-800.231-2566 510 00 . Espelbl 1.668J46-3306 TDD 1-800.055-6060 PaY by PDaq 1-00036-7656 Outside U.3. call cdlecl MASTERCARD ACCOUNT SUMNUIRY AeewN Number: 540/ 6930$641 8060 1-30z•s94-6200 Previots Relents 8856.03 To1N Crotl11 Lino 200 ACCOUNT INf'iU1R1E3 613 PaymatL Gadib Purdtases, CaA, Detits 3857.00 +6458 67 Availettk Credit , 512,744 P.O. Box 15286 v141mnplon DE 19650.5296 . Cash Aareee line , 62,N0 Naw Balance 65.70 Avaibbla br Cash 62,610 pAYMEM ADDRESS P.O. Boa 16153 Waminplon, DE 168885153 VIS1T US AT: Previous FNDets Belem 613.54 Rebates Eamad this SblemerA 3X 66 80 Rebalw Eametl thb 3mamam 7x . 61.40 Rebates Avdl~la b be Rstleented 74 623 Rebates Eemed this Year . 898 74 61.14 Rebates to expire on atatemant Date in Ocbber OB . FlNANCE CHARGES Finenta Charye Dilly PsAOdc ReM Corcesp. Average Daily Relents Due To Trensadon Acaimubbtl FINANCE Cetapory 30 Oaya in CYds APR Periodic Rafe Fee Fn Chrps CHARGES Purdtsaes .00000% 0 OOx 60.00 80.00 60.00 80.00 60.00 cean edvenns v .ossazx z4.24x So.oo so.o0 So.oo Eo.oo 60.00 Total enenee charges 80.00 EYNglvs Amusl Moenb6s Rats (APR); p,ppx Please ass Intormseon Abdul Ywr Aocant ascion for Delance compubeon rrte6tod, prate perioQ antl ether irnportem irllormal M. The Coneepondinp APR ie the rate o1 imareet You PeY when you terry a balance an erry trtateadion category. 81 6278 Tha EHeclvs APR ropreeenb your total firtertoe d,arp.e-Irtdudinp transat,on tees sudt as rash advance std balance treneler tees - eapresee0 a• a percttmepe. )( 000000.9 F~,f3316 C3 This Statement b a Facsimile -Not an original ODe N I t I eeltbl t Pap.1 dJ 00.31 W W 15010 xN W000300a1aptOpr 96 of 137 TRANSACTIONS ® Blnk 7reroedian Trena Data Rslerertce Number iYlerdtam Name or Tranaaalan Desaipion nw ~mrw... Statemen for •tsoo1r1111umbw: 6401 6830 2691 YODO NBw 5526.00 Pmt 02lOSg7 Peat Dw Ar~ U Ainimum P slmeno CHASE Q Amount ErtdoseC ~~ Isekeysar tlreek prye6le to CM.e Cerd leMoca Taa ettte Is here Mdre 5 NeYr etltreas a e-mdl? PnM On berJc. )roar p1~~ t~wtp yov N wwwCr6p F ~tdeldlMVC~atn. 54016830264190900DDD100DOOD525D000DD009 aort+r-xzwtmc ~ud~lrlul.d.l..~..ll.nl.1.rrrl~rlrl...llrrl.l...llr.ll.rl ANNETTE M HARRISON 110 VAUGHN RD CARDMEMBER SERVICE SHIPPENS BURG PA 17257~J27 pp BOX 15153 WILMINGTON DE 1a86a5153 ir..IlLrrLJ,LI.LIr..ll.lr.ir..L.IdL..l.rrllllr..rrlr r:5^OOi6O28~: ZO93O264i9O9O3ae ~ OpeninyClosirtp Dale: 12/12A8-01!11/07 CUSTOMER lERVICE PayrttrC Dw Oats: Minimum Payment Dw: 02b5t07 M U.S. 1-600-231-2568 510 00 . Espefbl t-Ope-Ma3306 TDD 1-800-B6a8050 Pay M phone 1.800-X38.7958 OuNda U.S. cell Cdleel MASTERCARD ACCOUNT SUM6AARY Aeeatnl Narrtber• 5401 4®02641 aDao 1-3p2-sos-e2°u Prrwiow Bdants $455.70 Total Credt Line 200 ACCOUNT INOUIPoES 613 Payment, Credits X455.70 Availede Credit , 875 P.O. Boa 75288 512 Purdtaeae, Ceah, Detita .5525.00 Cash Aocees Urte , 52,840 VAlrnrgton• DE 1GB50-5288 New Bdanra 525,00 Availads br Cesh 52.640 PAYMENT ADDRESS P,O. Boa 16153 YMIminD'loR DE 188883153 VISIT US AT: SN E?~ IiL4¢r R ARD REWARDS PROORA L Asvious Rebels Bdanq 523.74 Rebaltr EamaC rik Slelamara 3X 58.27 Rebetea Esmed rik 91demv0 1X f2.6B Rebates Redeemed this Stalerrtstt 525.00 Rebates Avdlede b bs Redeemed E7.70 Reba1M Eamad riu Year 5107.70 ET.TD Rebates b et~ire on ataterrtatt Cale In January Do 8160278 This Statement Is a Facsirnlle -Not an orlglnal 7Caonoooz Ftaztxse4 aos N z tt w~otnt vq.taa oar wr+u3eats otttttoaorcroaoemra 86 of 137 TRANSACTIONS v Bank Trartsec8on Trans ~ Artqure Date Reterertee Nurttber Merd•tent Nsma or Tree®dion Deetripan CredC Debh Optninprgorrtp Dols' 1?/12J0a - OU/1/07 A¢wnl Numbr: 6101 8830 2841 YOW Page 2 et 4 FINANCE CHARGES Finenm Charye Dsiyr Periodic Role Cortet¢ Averspe Daily BASrtm Due To Tranaadion Amxntlelad FlNANCE Calepory 31 dayb kt gCle APR Periot9e Rsle Fes Fit Cherpe CNIIROES Pwchsaes .00000% 0.00% 50.00 50.00 60.00 :0.00 50.00 Cash advances V .08842% 24.24% 50.00 50.00 50.00 :0.00 $0.00 Toml lirrenm dupes ~.~ EMMivs AnnuN Pereentape Rea (APR): 0.004E Please ses Ytbrrttellon About Your Aemunl weuan br bdanm eonqulaeon rttearo4 Rees period and olhr unportartl nlorrrtalion. The CorretrporMinp APR Y ha ttie of imarest you pay vrlten you mrty a balance on any lrtrrtsaalan calepary. The Elleclive APR rapreaerae yourtolel firrertm charyes - irtelu6np Yansadim fees audt sa sash sdtanm end bsknes trartrstsr aee • et¢trsettW ea s prmMpe. 8160278 This Statement Is a Facsimile -Not an oNgk~al x 0000002 Fl83E1935 Ca OeD N Z 11 mrotnt vae~xd• ONxt AN AM aaxae 0111Wa0a3aDW@BBDx 88 of 137 Statement for afoooexet numbw: sow QB3o 3~i YOYO New 8darlrv Ptrymant Due Data Prt Due Arnoum Mirimum Payment 82 X69.78 03/OBA7 8(1.00 849.00 Arraunt Endoeed ~ seete your d,ad~ parade b Cl,eae Card Servleea. 8 New atlereee or •-mart fMR on Doak. CHASE Q I elate ID ass pp~anal Plat rav~ ad ha~irdowd oltw an~rtry cancel any dme. 54016830264190900DDD490D0024697b5352648 taraotlol z oeao7 c ANNETTE M HARRISON 110 YAUGHN RO SMIPPENSBUfiG PA 17257-0727 I,,,III,I„1„I,1„I„II,„I,I,,,,Il,l.l,r,ll„1,1,,,11„11„1 L.1111,1,1„LLLI,I,..I LL.L„L,611,,,L.,II IL,.,,LII CAROMEMBER SERVICE PO BO% 15153 WIIMINI'33TON DE 19888.5153 ~: 5000 L60 281: 209 30 264 i 9090 3M OpaninyCloein9 Dde: 01/12A7-02/11/07 CUSTOMER SERNCE Payment Due Date: IXipB/07 In U.S. 1.804231-256! MNmum Payment Oue: 849.00 Eapefbl 1.888-Mfr330e TDD t-EOOASS-6080 Pay by Phone 1-00036.7958 outeida U.S. cell cdlea MASTERCARD ACCOUNT SUIIIIItARY Aeeount Number: 5401 6830 2647 1p90 1-302-6W-e2oo Previous Bdanos 8525.00 Total Credit Lirw ACCOUNT INOUI RTES 813 200 Payrrtxtt, Credih -8525.00 Avdld~le Credn , p O. Box 15298 870,730 M4lydnpl0n DE 19850-5298 Plydfaeae, Cash, Dabita +82,405.97 CaM AOCwa Una . 82.640 Finarta Charpw +863.91 Avdldxe br Cash 82.640 PAYYENi ADDRESS New Bdena ,469.76 P.O. Box 15153 Vlltrtkrlplon, DE 198864153 VISIT US AT: SHE e4zr R ARD R WARDS PROGR u PwviOUa hsbde Bdantxr 87,7p Rebtlea Eametl rik Sldemem 3% E3.29 Rebe1N Earned rile 3ldamam tX 82.23 Rebates Avdleble to be Redeemed 813.22 Rsbstse Earned riie Veer 8113.22 87.70 Rebates to af¢7ire on Iaalenlerll dde in January O9 TRANSACTIONS ® Rink Treroedion FINANCE CHARGES Flnence Cnarps Daily Periodic Rata Corrsep. Average Daily Bslence Due To Tmrleacton Acwmulated FlNANCE CetaOory 31 days in qde APR Periodic Role Fee Fn Charge CHARGER Purdtases V .03902% 14.24% 80.00 80.00 80.00 80A0 80.00 (.ed1 advanCSe V .06642% 24.24% 80.00 80.00 80.00 80.00 80.00 Corfvanienea dteck V .03902% 14.24% 80.00 80.00 860.00 -80.00 860.00 Promaional summery V .03902% 14.24% 5722.a2 87.91 80.00 80.00 83.91 Totd finance attrgea 863.91 Etbctlw Amtual PMantape Rob (APR): 38.74% Pleeae ass IMonnation About Your Accent aecton for Ddance mmputefon mwtlod, Orece perio0, and other importtrn inlormaton. 81 6027$ The ConeepoMinp APR is the rata o1 kaered You pay when you carry a balance on arty yeneadion cde0ory. The Etteclve APR represents your tOtel finance dleryes -indutln0 vaneection less suds m teen e0vance end belerlce trenafer fees - expreeaed m a pereenta0e. This Statement Is a Facsimile -Not an orlglnal x 0000002 FL4tt3t6C8 ooa N Z 11 WANII Pq.l d~ OM21 W W 35160 Oa21 OOO0WDOD]5Na01 132 of 137 Trerte AnauM Data Referortee Number MardteM Name or Trenmdion DeeviPtgn CreOh Debit Statement br.oolstrtl rrtrrltr4lr: 6401 ee3o 2641 aeoo New adertw Payment Oue Date Pea, Due Anlourtt 1lantnum Payment CHASE O 83,059.46 04/OSg7 8000 861.00 Meta yaw aaaat pa7etle b CMr CaN 6aMQ: Amount Enebttsd f Naw Wdaaava-mrY! Print an Wck. 54D3683026419D90D000610DOD3D594600000D8 a2lnmt:e]mrc Irrr11111rr11r111..I.rllrrr1.1.rrrll.l.lr.rllrrlrl.rrll.rlllrl ANNETTE M HARRI30N 110 VAUGHN RD CAAOMEMBER 3ERVICE SHIPPEN3BURG PA 17257-0727 PO BOX 15153 LrrllLrrlr.IdrldrL..ILL.LrrLdrlL.r1rr11111.r.rrl.ll WILMINGTON DE 18686.5153 l: 500D 16D 281: 2D9 30 264 i 9090 3aa Opaningrpodnp Dela: 02/12A7-03/11/07 CUSTOMER SERVICE ~ rn ~ 7 In U.S. ta00.231-2568 MINm i1 Peymenl Due: 1.00 Eeps11o1 1-666-M63306 TDD 1-000-855-6060 P6Y by phorw 1-600-436.7956 Outside U.S. call Idled MASTERCARD ACCOUNT SUMMARY A1>1`AW11 Number : soot ee3o 2641 1080 1-302-694-e2oo PreNOUS Bdanw 82,469.76 Told Credt line (13,200 ACCOUNT INOUIPoES P O Bot 16296 Payment, Credits 4500.00 ArdlsUle petit . . E10,140 Wilydlgbn DE 19950-SZ99 Purdteeas, Catlt, Delite X81,043.23 cash Amer line , 82,640 Firlertw Chagas +846.45 Avdlede for Cash f2,w0 PAYMENT ADDFIF9S New Bdanw ~ p59.46 P.O. Bot 15153 WilmirtglOn, DE 196664153 VISIT U9 AT: vrww dlaea.wmkreditwrda SHEETZ MASTERCARD REWARDS PROGRA M PreV10US Rebate Bdanw (13.22 Rabsles Eamad his Sidemertl 3K 83.07 Rabstea EameO his 61eiemem 1% f1.73 Kebabs Avdleble b b Redeemed 818.02 Rebates Eamsd his Veer 8119.02 f 7.7D Rebates to expke on statement dale in January O9 TRANSACTIONS ® Blhk Tntrtaedion FINANCE CHARGES Firvlrtw Charge Dally Pedodc Rab Correep. Avarege Dally Bdanw Due To Trerroecton Acarmulsted FlNANCE Category Is days in ryde APR Periotlic Rde Fes Fin Cherpa CHARGES PUrdrwa V .03t1021G 14.24% 8748.05 86.19 80.00 80.00 fe.1B Cash advenws V .06642% 24.24% 80.00 80.00 80.00 80.00 80.00 Convenience dteok V.03902lL 14.24% 80.00 80.00 f16.00 80.00 816.00 Promotiortd summery V .03902K 14.MK 81,61768 819.66 80.00 80.00 819.86 Promotiorel summery .00548K 1 aeK 8267.22 80.40 80.00 80.00 80.40 Totd Tinance dtarges 846.45 Elbctiw Amusl Wrpnb9e Rele (APR): 17.6P1f. 8 ~ 6U278 Please tae Irtlamdion About Vour Axount secion for bdenw wmpubion method, grew period, end other importers iMOrmalon. The Coneepondinp APR is ttte rate of inlersd you PaY when you carry a balance on erly Yaneedion cdegwy. The C-ftactve APR repasenta your total iirarlw ~9sgea - indVding trensacfon bee elldl B6 cash atlwnce antl Dalence transfer lean - eapesea0 ae a percersega. This Stalement is a Facslmtle -Not an original x0000001 F19~11D C3 000 N Z 11 0]AM1 Pq.l p/ Otr31 .U1 MI1031 er Or0100000I00032ta]Ot 64 of 137 Traro Artlotxs Date Reference Number Merchant Name or Trenmctlon Deeaipbn CredB Debit aper,~,yclodrgDale: ovlzro~-o3n1ro>' AOeounl Number: 6401 8830 2641 0000 Paps 2014 IMPORTANT NEWS NDTICE: Wean repiadrq 8w Two~yda Atrorape Ddly Bafanee Me1ho0 (00mputs Meroat on prevbua and currant cycle pur~eae balen~e)1N8i the Atrarapa Daily BaMnca Indudnp ns>,r purdrasas AMthod (prdtasea dilly bdanw 4rnea pur~aaee dilly rile ears'r dry only In iha arrant cyde). 8160278 This Statement is a FacstrrNle -Not an oMglnel x WODODI FlB~i7! G 3 a00 N Z 71 OAae'11 P~~ 2 d t Oalil 4N W b2tef Vre1000003000121 eAZ 66 of 137 statement ~6-.000I+11 rwmbar: sew e67o ~1 fi0ti0 New aranw Payment Due I]ets Pact Due Amourn Mirimum Payment CHASE O 55,445.80 05/06p7OS/06p7 E0.00 =10x.00 ArtloUnt Encbaed ~ Maks year drsak ppyys~W to Glaae CarA 9eMOes. Maw atlavas or a-mai17 Print an bads. 5401683026419D90DD0108000054458DDOOOD07 saaeorztb/mc ~ I..1111111.I.rlll..L,II.~.I.1.1.111.1.1...111111...111.11..1 ANNETTE M HARR ISON 110 VAUGHN RD CARDMEMBER SERVICE SHIPPENSBURG PA 17257-0727 PO BOX 15153 WILMINGTON DE 70866-6153 1..111L111.1LLLL1.1.1LL.L.111.1.111n1..111IL1.1J1 ~: 50^D i6^ 281: 2D9 30 264 i 9D90 3~' 8160278 OpelrnglpoainpDale: 03/12A7.04/11M7 CUSTOMERSEAVICE ~ Y~ DIM Date: OSNM07 In U 3 1-x00-237-2668 PaynlsttDw: . . floe.oo EspaMl 1-axe-44e-33oe TDD 1-000-i56-x060 PeY p/ phtlne 1-B00J36-795e Outside U.S. call cdlaa MASTERCARD ACCOUNT SUMMARY Recount rwrnb.~ 5401 se3o 2641 Soso 1.302-5w-x2oo Prwiow Belanw 53,06x.46 ToW Crstlit line 200 ACCOUNT INOUIRIEB 513 ~~W Aveilede Credit ~ , P.O. Box 162x6 57,764 tN l i D Ptraaee Cash, Debita •5 70 Csah Axaee Una l m rglon, E 18x50-52De 640 52 Finarxx Charges w5104.44 Availatle br Caah , 52,640 pAYMEN7 ADDRE93 New Betenw ,446.x0 P.O. Box 16163 Wilmirlglon. DE 1x8663153 VISIT US AT: www.dxlew. . elfilrnrAa $H E?7 SIA .T R ARC R WARDS PR -R Y PreNOUa Kabala Baitnw 578.02 Rebates Etunsd riffs Sielamerd 33 ti 512.02 ReOaNS Eamed riffs Stalemenl 1Y. 53.69 Rebates Redeemed Ors Slelartlent 525.00 Rebstw Availade b ba Relearned 5x,72 Rebates Eametl rife veer 5133.72 SB.72 Rebates to expire on aletertlatt tlete in April OB TRANSACTIONS ® Blink Trerlwaion This Statement Is a Faosknile -Not an original )t 0000001 FI807a96Ca 000 N Z /1 WgMI P~.I d! Oa121 WWOZf01 101f00000000002ip101 126 of 137 Tram Anxlum Date Reference Number Madlent Name or Trenseaan Deeaiplion dedil petit opatinyCloeinpDete: o3r12ro7-oatlro7 Aocourq Numbr: soot ee3o 2641 1010 Page 2 of 4 8160278 FINANCE CHARGES Frtarzx Charge Doi Periodic Rene Con H sap. ~ ry Awns Dai 9ttiartce Due To Trensaaion Aot:umuleted FlNANGE Category 31 days in ryelo APR Periods Rete Fee Fn Chorpe CHARGES Purehsses Y.03W2X 14.21% E1,310.02 E15.6b E0.00 E0.00 Et5 65 Cash advances V .06642% 24.24% E0.00 E0.00 E0.00 E0.00 . E0.00 Cmvsnisrroe rJradl V .03102% 14.24% 51,532.72 E16S4 E60.0D E0.00 E76.54 PrernetiOMl aurmtsry .00546% 1.81% E262.00 E0.45 E0.00 E0.00 45 E0 Promotional errmwry .01366% 4A1% E2,2ti3.34 E1.60 E0.00 E0.00 . E1.60 Total firrnce Cheryeo Eta.44 EtNetlve Annwl Pareerttapo RoN (APIA: 2a34x Reese sae hbrrnetlon About Vow Accotnt sexton br balance conptnation rtre6wd, pees Period, and other Impormrtl itlarnetion. The Corraeponditp APR is rie rate o1 imarast You Pay when you rant' a balartw on any tranmaton csaspory. Tha Hlealve APR reprotrama your total fnano eheryss - irtcWdnp tranesaon lees Wd1 as Call 0dVW0o Bnd batanCBtraroler iBBa - e;xeased Ba B perceldapB. IMPORTANT NEWS Yye Mw peat rwws! Yov 9tNetz MaeNrCavd program is sbgA b Oat beMn Ipe vs punnp the twtiahinp toudtea on the new 3heetz MasterCard proprom end wlg W oormnnicafnp wilt you about rieN ezatinp arenpes Monty. Tttarat you for ehopplnp wiri Sheatzl Thls Statement Is a Facslmlle -Not an original 7C aoaoom Flsawsca oco N z r~ mrowr vpzaa oxzr wrww azaw tortwocoaooaesoroz 128 of 137 StatamaM for awoetrtl number: Sdo1 1558D z1s~,19000 N S ~ObY 9U P~~1 06f05/0T P~,1 Du. A ~ I~rym~m s1yr~ CHASE Q Wke year 0be0k pra6k b QNe! Crd leMma Anbunl Endoeed S New saans9 or sKnt11? Part an back. 5401683026419D90000156000078098DOOODD08 ANNET~TE MMARR130N Irrrlllri.,1.d11..I.1111rr111rrr,Ilrl.ll.rllrllrl.rrll..llrr~ 110 VAUGHN RD CARDMEMBER SERVICE SHIPPENSBURG PA 17257-0727 PO BOX 15153 WILMINGTON DE iDEES-5153 ~...~i~n1~u~~i~~1d16u~ ~r~u~nriu~r~inr~nli~ linnr~r~i f:500D L6D 28f: 2D9 3D 264 ~90903M 8160278 OpenlnyCloainODela. DM72107-05!11/07 CUSTOMER SERVICE mum Dua Dtle OSAD5/07 In U.3. 1-800.231-2558 Mini Psymem Duo: 5158.00 EepaROl 1.888-its-33DB TDD 1-800-YSS-8050 Poy by phorw 1-800-d36.7BSB Oubide U.3. cdl cdlacl NIASTERCARD ACCOUNT SUMMARY Accent Numbtr: 5601 8830 2841 6os0 1-302-SGI-8200 Plavious Btlsna $5,445.80 To1tl Cra6t Line 513 200 ACCOUNY INOUIPoES PAL CrWns X500.00 Avdlede Creda , 360 55 P.O. Box 15268 Purdlasae, CaY1, Datits a52,752.38 Cash Amees tine , 52.860 Wardn0lon, DE 18850-5268 Fnanp CharOea +5711.82 Avdlads br Caeh 52.840 PAYMENT ADDRESS New Btlanos 7,806.80 P.O. Box 15153 Wilntinylon, DE 168883153 VIER U8 AT: verve dlsww mrn/creditr~raa SHEE7'7 YASTERCARD REWARDS PROC+R Y Previous RsMe Bdanoe 58.72 Rabatsa EsmaO fw 3WSmsra 3% 512.04 Rebates Eamsd 1Ma Saaansra lY. 52.70 Rebetea Avdlable b ba Reaeemea 527.45 Rebates Earned this Ye9r 5148.48 58.72 Rapeles to e>~ire on sttnement a.le in Apa106 TRANSACTIONS ® Sink Trenmdion This Statement is a Facslmife -Not an original x0000001 FL4UYleC9 Gee N Z 11 01.OL11 P~e~t d~ Oettt MA W161 OOe 191t00000.V00l100e01 56 of 137 Tnro Anlounl Dots Ratarenee Number Merdtant Name orTmrctlon DettOiptbn Crean Debit Openilp~dolirq Dme: o+r12ro7 • ovl lro7 Accami Number: 6401 6030 2641 DODO Pape2d4 8160278 FINANCE CHARGES Fnanoa Chrpe DeNy Periodic ReM Correep. Average DaNy Due To Traleealon Acdxrlllmetl FlNANCE Cmepory 30 Oeys in ~1'cle APR 9elana Periodic Rste Fee Fil Cherpv CFIARG ES Puldmeoe V .03D02X 14.24% :2,099.66 524.23 50.00 60.00 $24 23 Cash edvaneas V .066425(. 24.24% 50.00 50.00 50.00 50.00 . 50.00 Convenieno- Bred( V .0390Z% 14.24% 51,551.07 519.16 560.00 SO.OD 578.16 Wimolbnm eurrmery .00546% 1A95L 577.39 50.13 50.00 50.00 50.13 Prortlotbnal surrerlary .01368% 4.99% 51.920.44 37.99 50.00 50.00 57 98 Prorrg90nm sulmery .00549% 1ADK 5733.67 51.21 50.00 50.00 . 51.21 Total ikwnp dlarpes 5111.62 BNetlve Annwl Pen»rrMpe MN (APq): 17.58% Please see Mormmlon About Your Account eedian br Ddanos cdrtplneNon metto4 >fBa period, end o91er imporrm Mormmlon. The Corrwpondinp APR 4 rie rme d Imerem you pay when you nrry a balance on any trsnasdlon calepory. Ths ERedive APR reproseras your tdal 6nanw dlarpes - irxdudlg taneattlon lees eudt es cash advsloa and bslence tansbr tees • e~leeeetl as a par®mape. 1~APORTANT NEWS Your New Ektei4z MamerCertl Reward popram y almost rsatly! you wiN soon ba rewarded Nan more for wisp your 91Mmi MaslerCerO RawaMS certl to ml yav tlirlinp end bevel expenses. More tlelells veN ldlow ehordy. Thls Statement Is a Facsknlle -Not an ohgk5al x 0500051 Fl63'-mi CJ 055 N Z I t 07/eYll P~~ 2 d • OM21 NV1 M H 50e Ie1105050.t050e100e02 58 of 137 Statemerrt for sooolixd rteiraber: 601 etH3D ~,I quo =DBE 72.4D Payment Duel ~ Past Due Anwm birimum Stayrnent CHASE Q Make yew dleek kle to CMr Cer/BaMre, Nnount Endossd 6 New W lkese prom li%n PnK m beds. 54D36i530264190900DD19600009E12490000003 zmamlz+earc 11111111111111111„I..111..I.I.1111111.11.11111111..11111111.1 ANNETTE M HARRI30N 110 VAUGHN RD CARDMEMBER SERVICE 3HIPPENSBURG PA 172571727 PO BOX 15753 WILMINGTON DE 7D666-5753 11..11 1...1..111.1.11111. i I.1 ~ 1,..11.1.111.11..11111...1.1. I: SOOD i6D 287: 209 30 264 i909D 38' Opsnnypodrq Dale: Od12g7-Od11g7 CU970MER SERVICE Payment Due Dale: 07gd07 ~ U.3. 7-000-237.2561 Minl7tum Payrtlent Due: 61D6.00 EspNbl 7-11814 6-3 3 01 TDD 1-/00.D55-1060 PaY by Pho++e t-60036-7D5/ OuNda U.S. cell cdlea IIIASTERCARD ACCOUNT SUMIAARY Aelxurn Number: 501 6830 zsvt 6080 7-3oz•sD4-e200 Previous Bdanp f7,60D.10 Total Crs67 Line 200 ACCOUNT INOUIRIE3 613 PayrtlenT, Cre00s 3500.00 Availede Crolfit , $3,387 P.O. Bo[ 152D/ Wilmn0lon DE 18650-5288 Purdtues, Cash, Debits .62,422.12 Cash Aocer Una , 62,840 Finance Cfusryes •610.57 AvaOade br Cash 62,W0 PAYMENT ADDRESS New Bdenos D,112.4D P.O. Box 15153 11WImir101on, DE 1D6163153 VISIT U8 AT:. SHEETZ IW13iERCARD REWARDS SUTAMAR Y To rodsan your 3heetz Rewards Rebates tronatarrod m 64D.SD Cdl 111e ra+Rlber On Y1e beds Previous Rebde Bdanp 6p,00 0l your card w Io0 an to Rebates Eamad on Sf+aelz Purchaau 67.70 www.dlus.com. Rebates Eamed on Purd+aeee 60.00 66.72 Rabstr Dus To Ezpiro on statltrtlem in Aptl 200D Currem Rebels TOml 650.6D TRANSACTIONS ~ Blhk Trorlraion 8160278 Thls Statemerrt Is a Fecsimlle -Not an origirnl )(0000001 F18StJ7aC3 ODO N Z 11 WANII Pp.l dl G11Z1 147W 77270 1@I WOOat000t727eD1 120 of 137 Trorts Amount Date Retsronce Number MerdtaM Name w Tranaeaim Desaipion CreOM Debit OpenilpK7odrlp Oata: OS172ro7 - OB/t lro7 Aoxrult Numbr: soot Be3o 264t eo9o Pepe 2014 8160278 FINANCE CHARGES Fnanas Chtrpa Daiy Periodic fiats Corteap. Averepa Deiy Due To Treneee0on AOCUnulated FlNANCE Catapory 31 Oeya n cycle APR 9alana Pedodc Fiele Fee Fin Chepa CtfAR6ER Purctmaw V .03902% 14.24% 54,286.20 (61.64 f0.00 50.00 $61.84 Cell a0vences V .06642% 24.24% 50.00 50.00 50.00 50.00 50.00 Convsrvena dlsldr V .00902% ~ 14.24% 51,569.64 S16A9 50.00 50.00 518.99 Promolbrml futerlery .00646% 1.99% 50.05 50.00 t0,00 SO.OD 50.00 Roripti0rlat summary .01368% 4.98% 51,616.81 56.86 50.00 50.00 56.88 PrortlotbrW slrrtrrlery .00546% 1.99% 51,701.18 $2.88 $0.00 50.00 52,88 Total tinanca Oltrpes S~.s7 ElNetira Anrwel Parcangya Reb (APW: 10.64% Please sea tlbrme0on About Vaur Aemunt aedion br belenoe rbrtpule6m rrra9lod, praca period, erxl other Importard nlormation. TheOorraspond'np APR is he rasa of irnarest You pay when you csrty a txlerlce on any tranaeaion category. The C'Bedive APR raproeenls yourtotel Bnanea tdlapss - ittWdrg tan®aian bee aldl as each edvenoe end belence trarlster tees - er¢xaseed as a peroentape. Thls Statement Is a FacsMlle -Not an oliglnal R 0000001 FlSa3S/5C3 OW N 2 It 0//OL11 P6p~2d• 06x21 MN NM 9279 /62100000.10D02r21W2 122 of 137 Statement tzte aooounl rlunbar: sao~ ea3o 2SM 0000 Na f6~w1 Peyme~,t Du~~ Pwl Dw A ~ O MiNmum tleym.,o CHASE Q Amotnt Enclosed 1: ~ wd~s ymr aemk y~.e4 m err Cra >trvl:a ~- New b6ese o eyrwl? Pert m Dear. 5401683026419D900DD384D00089291100DD009 nsvesrzzaoorc IrrrIII.1..Ir,I.I..I.rII...I.I...rII.I.Ir..1lrrlrl..r11~.N..l RMIE'[T£ M HARRt30N 110 VAUGHN RD CARDMEMBER SERVICE SMPFFENS BURG PA /7257~672T PO BDX 16153 WILMINGTON DE 168864153 L.Jll.rrlullddrlr.ll.l..ir..l..l.ll.d..rRllu...l. e:500D i6028e: 209 30 264 i909036e Opannygaain6 Dele: 07/12A7-08!11/07 CUSTOMER SERVICE Paynrern Dub Dale: Miremum Payment Dw: ~`+roT In U.3. 1-600-231-2568 61x4 00 . Eepafbl 1-88846.3308 TDD 1-800-655-8060 Pay by phone 1.800-X36.7658 a,>doo u.s C611 calecl 1-302-56+8200 ACCWNr INQUIRIES MASTERCARD ACCOUNT SUIIIMARY AeeotaH Number SA01 s®o2s41 s0110 P.o. Boa 16266 Preriow Bdenn 66,266.84 Total Croat Lino 200 MfilminOloR DE 16850.5268 313 Payment, Gbits Pvdreees Cash Debits -61,000.00 Avdlede Cre61 .y534 03 . (4,270 PAYMENT ADDRE98 , , Firtenw Ciaroes Caeh Access Una •66s.M Available br Cash 62.540 P.O. Bo>< 15153 62,540 1Vilmin6lon, DE 168854153 New Balance 68,628.11 VISIT US AT: lenerw dtiewr mmrcreditrards S1~HEETZ NLSTERCARD REWARDS aUMYARY To redeem your 3hee¢ gewards Pf9MWa RebalB BdeflCe 660 86 CBB tl16 rlllmber on the balk Rebates Eemed on 3heetz Purcheaee 614.82 0l your card or l06 on to Rebalea Earned on Purohaees tp,pp www.rhase.aom. 58.72 Rebates Dw To Eupiro on stslernenl in April, 2006 Currorn Rebate Total 675.88 TRANSACTIONS ® ®nk Trarsiedion 8160278 Thla Statement b a Facsimile -Not an origlnel x eooeoos Fleae,16 c a coo a z t r M1eae t Pq. l d 2 eersr eer..A eTxr ear ooaomoea>,va 112 of 137 Trans Amoum Data Rvfarartca NurnWr Meratam Name or Traneaalon Dasoriplion qr~4 pmt opsrinydoairp Dale: onlzro7 - OB/1 vo7 Aocoum iwmbar: is4o1 se3o 2841 aoao Pay.zaz FlNANCE CHARGES Fhenta Ct+erpa DeBy Periodic Raw Coneep. Ararape Daly Due To Tranwaian A¢vrnJeied FlNANCE Cefeyory 31 days in qds APR Balance Pedodie RaH Fe. Fn Charge CMARBp Purchaws V .03WQX 14.24% fS-733.80 560.96 50.00 50.00 (88.38 Cash awancea V .06612'7. 2424% 90.00 90.00 50.00 90.00 50.00 ConwxienpMeek Y.03W2% 14.N% (1,607.45 f1Y.45 50.00 90.00 f1a.45 Promodonsl aurtmary .01368% 4AaX (1.434.57 fB.OS (0.00 (0.00 SB.osa Promolbnal summary .00846% 1.BB% (31628 90.54 50.00 50.00 SObt Tagil linanca drBfysa ~ SaS.N eMeeuw Annwl PYaerrwpe RaM (APR): 1259% Fleece aee hbnnetlon Aboul Your Account se0im br eatanae ecngreeMdn rtwtlwd, grace period, and other imponam Mortnalion The Correapondinp APR w rte tale a imareat you pey when you cony a bdence an airy Iraneeaion wiepory. 1MffletJiw APR reprsssrtw yourtotsl fnanee dwyas- Indudirg rsnaadion tees side an cash edwna@ end tleler>cs 1rNgbr tees - e7wrxsaaed ae a paroame0e. 8160278 Thls Statement Is a Facsknlle -Not an o5lglnal 7C aoooaoa Flsawsca coo w i ii ornv+r Ppzaz oxzr av. nw asar zxr maroamoarssroz 114 of 137 StataRlallt for •oeourrl rtumbw: 6901 363019t9190B0 New Balance Payment Due Oats Peet Dw Artqum MiNmum Payment 39,933.21 11~~ 10/06/07 ~ 30.00 f167.D0 Amo1n1 Encbaed 1 ~ iieknywr dtedi pa)nlle to Clrr Care leMeea. 3 Na1a sdra-sa a s-nwK PdA m DaN1. 54D36b3026439D900D018700DD893321DDDDDDD aeon trot zaa7 c ANNETTE M HARRISON 110 VAUC,HN RD SHIPPENSBURG PA 1725TY727 1..1III...I.rl.11I.11111.I I.1..111a1111.111.11..111 N11.111111 CHASE Q 11.1III.11.I.11.I..I..11...I.1.1.11111a1...N11111.1.111.1ir11 CARDMEMBER 8ERVICE PO 80% 15153 WILMINGTON DE 19606.5153 t:500D L6D 28i: . 2D9 30 264 19D903a' Opaninp/pOdnp Data: 6N12b7.09I71/07 CUSTOMER SERVICE Paymard Oua Data'. 10A0/07 in U.B. 1-a0o-231-2566 A9Nmum Peyrnartt Dw: f107.00 EspaHol t-066-146-3300 TDD 1-000955.0060 PeY by Photo 1-000138.7956 Outside U.B. wN callacl NASTERCARD ACCOUNT SUNNARY accent Nurl6ar: 5401 663026/7 3090 1-302-5946200 Prev7ow Bdanca 39,929.11 TO1aI Cndi1 Urw 313,200 ACCOUNT INQUIRIES P O Boi 15290 Psyment, Credits 3500.00 Availade Cradn . . 34.266 WilmirKAoR DE 19650-5296 Pisdteeee, Cash. Delta .f40b.96 Cash Amass Una 32,610 Finance Cttarpes 0396.12 AvdlWk br Caah 32,640 PAWENT ADDRESS New Bdanoe ,933,2 P.O. Boo 75153 Nfilminplon, DE 19006b153 1R3lT US AT: SHEET7_ NASrERGARD REWARDS SUNNAR Y To rsdean yoir Sheetz Rswvds PreNous Kabala Bdanoa 575,60 caf the rwmber on he hack Rebates Eamad on BhsNZ Purchases ft o.6/ of your yard d lop an to Rebatss EameO on Purlrtsra fp.54 www.chaw.mm. 36.72 Rebates Dw To Eipae on ntatemarn in April, 2009 Curtem Rabda ToNI 306.03 FINANCE CHARGES Finance Charye Dally Periodic Rate Correap. Average De6y Due To Trertseclm Acr-emulated flNANCE Category 37 days in qde APR Belarxr Periodic Role Fee Rn Charge CHARGE8 Purdlaeea V 03901% 14.24% 36,197.06 (74.65 30.00 30.00 374.95 teen arNancae v ,oswt% 24.x% 30.00 w.oo fD.oo fo.oo 30.00 Cornaniertce dtedt V.03901% 11.x% f1,627.00 f19.60 30.00 30.00 319.66 RomoMansl summary .0136TIL 1.99% 5623.17 33.49 30.00 30.00 33.49 Promotlonsl summary .00546% 1 a9% 30.19 50.00 3x1.00 30.00 30.00 Totd inartee tlmrpee 390.12 E1tse6va Amual Psroentsps RaM (APq): 13-61% Please ass Inlormdion Abow Vour Amount saeion fa balance mmpulelon rtw0lod, preoe period, and other ifrg7onerN IMOrmaim The Cortespondirq APR le the rate o7 Merest You pay when you Lary a beMnes on any tranaedion category. Ths Ellscava APR rspn7sants your lord linsncs tltarpee - vteludvlp vanaacaon lase salt n sash advance and belartee trsnstar lase - eipreased ae n pxeemepa. IMPORTANT NEWS 8160278 Vour 2007-2(706 Priveq NOllicdian is eneblled for your record. This Statement Is a Facshhile -Not an original R 00000D1 FK3a73a C7 Om N Z t1 07.eM1 Pap.I d1 00111 W W i3a11 2x11 ppc00pOpW]ptlp 116 of 137 TRANSACTIONS ® Blnk Trenmaion Trans ArnouN Date Reference NWrlbsr Merdtam Noma or Trenaecdon Dsaaiplion Credit Oehtt Statement for acooldtl rwmbar: 601 ee3B Tsh 0000 New Balarta Payrnsnt Due Dais Pest Dw Amoure Mitrmutn Paynrant (8,351.05 17/OSp7 (0.00 (178.00 Amount Encbeed Ysae your Brook pa(IaMe b Clreae Card leMaes. f ~ Now stlorsss a s-mwR Prirt an bedr. 54016$3D26419040DD0176DODOD354DSODOD003 was sot z aewr c ANNETTE M HARRISON 110 VAUGHN RD SHIPPEN88URG PA 17257/727 CHASE ~ I.rrIII.I.rIrrl.I.rI.r11r..1,1...rllrl.l..rllrrlrl..rllrrll.rl CARDMEMBER SERVICE PO BOX 18153 WILNNNGTON DE 198863153 Irr.IILrrInI.LLIrIrr.ILL.Ind.d.IL.rLr.BIL..r.Lll ~: 5000 L60 281: 209 30.264 i 909D Sae Openirp/Cbairq Dsse~ 09r12pT • 1tY11p7 CUSTOMER SERVICE Paym.ra Dua Dde: 11p5p7 In U.S. 1-OOo-231.2580 Mirvmurn Peyrtwtt Ow: (176.00 Espafbl 1-68618.3306 TDD 1-600-955-8D50 P.y Dy phone 1-0DO-436.7956 OuYida U.S. dl edlaG MASTERCARDACCOUNTSUMMARY AceatnlNurnbsr: 5401 sWO2647 9990 1.3o2.5w-rAao Previous Bdena (6,903.21 Total Crsd11 Una ACCOUNT INQUIRIES (13,200 p O Boa 15296 Peyrront. Credit -(/,000.00 Avdle6la Cretil . (4.616 W l DE i Purtltesw, Cash. Debiie +5326.26 Cori Aoeaes Urte i n nploR 19650-5296 (2.6/0 Fineraaf CharyrK afD2.58 AvdNds br Cari (2,610 PAYMENT ADDRESS New 8dena ,354.05 P.O. Boa 15157 Wilmirgbn, DE 196663153 VISIT US AT: 8160278 SHEETZ YASTERCARD REWARDS SUYWRY 7o relearn yov Shee¢ Rewaros Previow Relxae Bdrip 566.83 cdl The nuriiDer on ha batlt Relines Eamed on 3heelz Purchases (9.69 01 your and or lap on to RebeMe Eemed on Purdtaees f0 W www.cheae.com. 58.72 Rebates Due To Eapire on nnerrera in April, 2000 Current Rebne Total 596.n TRANSACTIONS m Blidt Treneaaion Trerro Arroutt Date Rebrenee Number Mertl+enl Nsme or Troneac9at Description ped4 Debit Totd fnsnca dterpee (92.56 EMeetlw Amwl ParanLpe Rea (APR): 13.21% Plume see IMOrmnion /1bou1 Vour Ao-.ant eecion for txlance mrnputafon mdhod, grey pariao, end other importaa IrAarrneSon. Ths Corresponoinp APq le the rna of imerea you pay when you carry a belenee on arty trenaeaon calepory. The Elleelva APR roprserib your totd tirmnas dterpaa • InckWinp trorviacWn tees sudr as ash etlvance ono balance varteler tees • eapreseeo ea a pwcamape. This Statement fs a Facslmlle -Not an orlgk~al ,[ aaooooa Fszwa c a aoo N z r t canon r P+o• r n t aeur un w a.eae sun oooooaosoa.s»m 84 of 137 FINANCE CHARGES Firaeta Chsrfle Deily Pedoac Rate Carrssp. Average Ddly Due To Transaclon AmrmJatso FlNANCE Category 30 deyf in qtly APR 8derne Perbdie Rna Fee Fn Charge CHARGES PUrtlteaes V .03764% 13.74% (6,468.89 (73.01 (0.00 (0.00 (73.01 Cads aManae V .08504% 23.74% (0.00 (0.00 (0.00 (0.00 fD.00 Convenience duck V .03784% 13.74% (1.520.30 E76.30 (0.00 (0.00 (18.30 PrOmotlond wmmary .01367% 4.99% (303.10 (1.28 (0.00 (0.00 $1.28 Statement for 4tooourd rr.nb.r: lSOD1 Si3D ~~ o000 Nsw Bak+nce Payment Due Deb Prf Due Anxxxd Mlrimum Payment 57,850.11 12l08N7 50.00 517/.00 Amount Enclosed `-J W~ie dMes~a ~m~ii7 P/in anhbeakGN loMo.e. 54D369302641909000037100007850110000001 aewa tlex zat w7 c ANNETTE M HARRISON 710 VAUGHN RD 3HIPPENSBURG PA 17257727 I„, Ill,. r b.1.1,LL I,..ILL.L„1«IdL«L„1111«, «LII CHASE Q I«,Ill.I.,I„1.I„1.,II,,,I.I,,,,il,l,l,«II„I, I,,,II„II,r l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1D886-6153 I: 5000 160 281: 209 30 264 ~ 9090 See OpennDlCksinO Dols: 1a12R17- 11I11ro7 CUSTOMER SERVICE NYnminum P~eynt~arn Dus: 9~~07 to U.3. 1-800.231-2568 EspaAW 1-888-446 -3308 TOD 1-000.D55-6060 Pay b/ phone 1-BDO-436-785e Outside U.3. call ceMeQ MASTERCARD ACCOUNT SUMMARY Aecam NunWw: 5401 8W02841 x090 t-302-5D4-e2oo Precious BNanw 58,354.06 Total Credt Line 200 A~WNi INQUIRIES 513 Pttyment, Qsdib -S1.W0.00 AvsleCls Credit P.rdtases, Ceah, Detite .5403 08 , P.O Box 16208 ~'~0 L~t81n4nylon DE 10%0-5208 . Cssh AOCeea line Finsnw Charpas +f93.00 Availade br Caeh . 52,640 PAYMENT ADDRESS New Belanw 7,650. P.O. Box 15153 WiIrtYn01oR DE 198863153 VHIT US AT: 8160278 CHFFT7 YACTFG(`A RD REWARDS CI ISq•Ap y To re0earn t 0.+3h R t'reNeue Rebels Belanw ee z ewarOs y Rebates Eemed on 3ttaetz Purehssee SD6.72 511.37 ca8lhe nurtbsr on he bads 0l your card a toy an to Rebetee Eemad on Purdtues 00 50 waver dtesa.com 58.72 Rabstas Due To Expiro on statement in April 200D . . (~tnem Rsbals Total 51 De.00 TRANSACTIONS ® {xML T rymf Dots Ralerence Ntxnber Merdttnt Name or TrsnearJicn Desaipion csenn ~Nn.,.~, E1Nalve Amwl PMwnt.Oe ReM (APR): 13.789[ Renee see Imortnalion ADoul Your Aoeant seclon for bdertw computation method, pew period. and other importerd irltormaton. The Cortseporbirg APR ie the ma o1 Imeroal you pay when you carry a balance on arh, tanaaaion cetepory. The Etleclve APR ropaeenu your total Gnarlw dtarpes - indudinp tromaLtion lees sudt ss cash advanw end balance transfer teen - expreeaed ss a percada0e. Thls Staternerrt iga Facsimile -Not an orlglnal 7C aoooms vnsssn c a oos w z . r mn.n i Po. t d a axzt su w asws ai st ooaomoooaswsot 104 of 137 FlNANCE CHAR(3E8 Finance Cttsrye Daily Periodic Rats Carreep. Averope Deily ~ Due To Trarmaclian Acournulassd FlNANCE CateDory 31 days in qde APR Balance Periodic Rate Foe Rn Charpe CHARGES Purdteeee V .038D6% 131DX 56.535.88 574.69 f0.00 50.00 574.8D Cash aOvanws Y .06436% 23.40% 50.00 50.00 50.00 50.00 50.00 Convenience dtsek V .03608% 13.4D% 51,57D.3D 518.10 50.00 50.00 518.10 Prortatlarml summary .01387% 4.69% 50.80 50.01 Sa.Dd 50.09 50.01 Total finance charyea ED3.OO Statement for aotwtwrl ntmbar: 64ot ea3o an~,t txDOo New Balance Payment Due Dats Pasl Due Amount Mirinum Peyrnsnt 57,825.73 O7/06p8 50.00 5167 A0 IYhs your ahaN pt,IrehN to Chw Cerd BerNeaa. Mwtnt Endoeed 8 t4sw addras a rmay/ tltrt on Deck. 54D168302641909000016700007925735531713 xnee ttex z 9{6x7 c ANNETTE M HAAAISON .110 VAUGHN RD ~SHIPPENSBURG PA 17257-0727 Ir..III.,ritrirl,lrlrlr..t1.1..I,.Jr.l.llr..l..rllll...r.lrll CHASE Q I waMSb me Ye p~pyeoClnal f~r'nIM'' ~'"~9 ~d"° 1...111,1.6.1,1..1..11,..1.1....ll.l.l.xr If,.I rb.,il r rll r r I CAROMEMBER SERVICE Po cox /s1s3 WILMINGTON OE 1Y886-6153 e:5000 i6O 28e: 209 30 264 i90g03ae Opanirg/Cbdrg Data: 1.1/12A7 -17/11/07 CUSTOMER SERVCE Paynrartl Due Data: 0185/08 yt U.S. 1-aD0231-2558 Mirimum Payment Due: 5167.00 EaPallol 1-08&M6-3308 TDD 1-800-055-8080 Pay M phone 1.800136-7858 Oubide U S. tall sliest 1-302-5W-8200 MASTERCARD ACCOUNT SUMMARY Acetxnt Nurrrber: 540i 88302641 tt080 ACCOUNT INOUIRF.B Pteviot» Blanca 57,850.11 Total Credt Line 513,200 p O. Box 15288 Payment Cradle -5500.00 Available Credit 85,274 Vl~Irnnplon, DE 188505288 Purdteeee. CeM, Debits +5497.85 CaM Atx:eea Line 52,840 Finance Ctmrgea rS97.87 Available br Caeh 82.840 PAYMENT ADDRESS New Bdenoe 7,x25.73 P.O. Box 15153 Wdmirplon, DE iY653763 VISIT VS AT: SHFFT7 uACTFRf`ARI] REWARDS Sl1MYAR Y _ To reclean Your Sheatz Rawerde PnNOUa Rebate BdBnce 8108.08 call the number on ne beck Rebates Foetal on sheen Purdtexe 512.20 of your nrd or Io8 onto Rebecca Famed on Purdtesen 50.11 www.dteee.mm. 58.72 Rebecca Dua To Expire on stalttmem in April, 2008 CurteM Kabala Total 812D.40 FINANCE CHARGES Finance Charge Daly Periods Rale Correap. Average Ddly Due TO Trarmect on Acwmleted FINANCE Category 30 days in uyde APR Bdsrtce Periodic Rele Fee Fn Charge CHARGES PUIdlaeee V 036x6% 13.48% 56,410.M 571.08 50.00 SO.oo 57108 Cash advances V .08136% 23.46% §O.IN1 50.00 50.00 50.00 50.00 Cortvtnienee dtedc V.03806Y. 13.48% 51,522.x3 576.88 50.00 50.00 E18.Bx T016l inence rherges 597_x7 E»sctlw Annual Perosnupa Rare (APR): 13.4!% Reese sax IMonnalion AboN Vour Accanl section for bdance mmpubSOn method, grew period, and ether ingorterri iMarntion. The Corteeponding APR la the reae of lrnareet you PaY when you erry a balance an arty taneadion catapory. 2+~ TheEnectveAPRrepreeenteyourloteliirtartoedrergas-includingtrartaecfonteee 6 such es cash advance end balance trenafer tees - expesasd Y a perctrdege. 8~ ~ This Statement is a Facsimile -Not an original 7C ooootn o Freatais c a aoo x z t r o7nzn t rt.e. r a s 00.31 ,ut wt apes 9.b xexe0.700IR173e001 ' ~ 108 of 137 TRANSACTIONS m BIInk 7rsrsalion Trans Amoum Dale Rebrence Number Mardtent Noma or Traneatlon Desaipion Credo Debit Statement for aaoollrll r.anb..: 6A01 ea3o 2sn DoYo New BaNr,ee Peynlent Due Data Psel Dw AmouM hBNmlm Peymerd (8,182.85 02/06A8 ~ fO.UU fl73 AO Amount Eridoeed ~~ Nww W dross a -mr~n Pdrt an bMCCvd 9eMaea. CHASE Q 6 D oluras eeaan. 54016830264190900001730000E192a5555094D etose eoc z o»as c ANNETTE M HARK 50N 110 VAU6HN RD SHIPPENSBUfiG PA 17257-0727 1,,,III,I„I„I, I.,I.,11,,,1,Ir,r,llrl.ir.,ll,rl,l.r,llr,llr,l CARDMEMBER 9Ef1VICE PO BOX 16153 WILMINDTON DE 1p666-6163 I: 5000 L6D 281: 209 30 264 1909D 31I• Openitp/Clwirlp Dale: 17/t2.07.OUt1/OB CUSTOMER SERVICE Paymerd Ow Date: ANrrmum Payment Dw: 02A15/OB m U.S. i-606231-256a (173 00 . EepaM1ol 1-06ti-446-330a TDD 1-000-p65-tip6p PaY M Photo 1.600-138-7Y5e Oulelde U.3. cdl cdlact MASTERCARD ACCOUNT SUMMARY Aeoolalt Nureber: SW1 se3p 2801 BOliO 1-3p2-684-ezop Prwioue Bdtalw Paynlertl Credde E7.825.73 Told Credt Una (13,200 ACCOUNT INOUIIiE3 O BO 15 , Purdtaees, Cash. Debits -(300.00 Availeds Credit +5176.33 Cash Atxees Una . i 288 E5,007 ~ mulplon, DE i885o-5288 Finenw Ctwryes .E81.78 Avdldtle br Gd/ ~y/p $2.640 PAYMENT ADDRESS New Bdanw 02.85 P.O. Box 16163 Wilmirlplon, DE 188863153 VIER US AT: SHEETZIILegTFRCARDRFWARDSgIIa•aeo PraMOUS Rebeta Bdenta ~ Y TotadeemyovSheelxgwvarda . Rehaten Esmed on 3hwtz Purchases 1120.40 E6.T3 cdl the number on rie bads of your wrd or lop on to Rebalse Earned on Purdlansa (1.85 www.d,aae.mm. (8.72 Rebafas Dw To Eipire on elelengr0 in Apid, 2008 CuneM Rabde Total E728.08 TRANSACTIONS ® o:.r, r. r rsna _ Dale fleferance Number Merdtent Name or Treneaclfon Deeaiplion ry., \Ar^~M,~,,;. EMaaln Amuel P.rernm8e Rr» (APR): 13.20% Reese see IMamalion Aboul Your Aoegnl seclon for bdanoe wmpuafon rrleshod, Brew period. and Omer imporleM imormaton. The E1lecfev~i A~Ip APR Is the rate of iMeroY You pay when you carry a balartw an anY 1'aneeaion calepory. repreaente yolx loll 1lrtarxe dlrpea • Incllldi,p irenaecton fees ouch an wnh advance end balance translar lean - eipreaead as a peresmape. 8160278 Thb Statement is a Facslmlle -Not an orlglnal x OOOOOOn FlSYtiOa C 7 000 N 2 11 OnOIA 1 Pq\ 7 d 0 OO121 \111 YN \00a\ 011100000ppd0e\Oaeq 100 of 137 FINANCE CHARGES Flnence CherBe Daly Periodic Rate Correep. Averepe Daly Due To Trartaaclon Acarn\/eled FlNANCE Catatlory 31 days in ryda APR Baler,w Periodic Rate Fee Fn Charpe CHARGES Purdlaeea V .03627% 13.24X (6,642.66 (74.68 (0.00 (0.00 f74.88 cash advanwe v .06367X z3.2dx 50.00 Eo.oo fo.oo So.oO w.oo Cortvsniwtcs tlleck V.03627% 13.24% (1,520.36 (17.10 (0.00 f0A0 (17.10 Told fnence dler8es E81.7B Statement fo..oeotwrt number: IS40T SB3O 2611 0050 New Balance Payment Due Oete Pmf Dw Arroum Minimum Payment 57,977.01 0370788 50.00 (161.00 Wasyaur dlaea parade to glass 0ard 6aMeea Amount Enclosed 5 New aa4rasa a rrrlr7 Pnrt on bads. 54O1683O26419O9OOOO361O0DD7977D15567965 L.r111.r.LILl.ld.hullrL.L..LJdl..d..rllll....rirli asaa teat z twos c ANNE-TTE M HARRISON 120 VAUGHN RD SMIPPENSBURG PA 17257-0727 x:5000 L6O 281: 20930 264 i90903aa Openinydodnp Ode: Ot/12A8-02/11!08 CUSTOMER SERVICE Paymem Dw Dde. IX1107loe M us. 1-coo-232-256e Minimum Payment Dw: 5761.00 Espalbl 2-e88416-3306 TDD 1-800-955-BOW PeyW phar» t-80036-7956 Outeille U.S. ea8 co8acl 2302 594-82W MASTERCARD ACCOUNT SUNMARY Acmurrl Nurnbr: 6401 69304641 9090 Prevtow Bdatce 58.292.85 Total Credi Line 513.200 ACCOUNT INOUI1tlE3 P.O. Box 15288 Payment Gedite $500.00 Avdlade Crodit 55,222 Wtlmtn0lon DE 18850-5298 Purdtaees, CaM, Detita .5202.03 CaM Amalie line , 52.640 Firlsnce Charyes +582.13 Available br Cash 52,540 pAYYGMT ADDRESS New Bd1a2rP ,877.0 P.O. Box 15157 YNlmin9lon, DE 198861153 IrrIIII.1,.1..1.1..1.,IIrr.1.1.rrrll.l.l...llrrlrl.r.ilr,lir.l CARDMEMBER SERVICE Po Box 15153 WILMINGTON DE 19868-5163 V191T US AT: www.dlaea mmk7editmrde 8160278 SH ET7 ACT R _ARD REWARDS S tYYAR Y To redeem yov Shwa Rewards Previous Rabess Bdanw 5128.08 cdl lne number on rie back Rebates Eam W on 9has1Z PurcAasea Sg.pB of your ®rd or lop on to debates Earned on Purdlws 50.00 www.lfime.com. 58.72 Rebates Due To Expire on etaternem in Apil, 2008 Currerd RebaN Total 5135.16 TRANSACTfON3 cHasE4 app I~wM b p~Ynlarll P(01 a ~Ja~r ~°1a road the Brf~ifs! owes on Datl. W esrl. • Blink Traneariion Trone Amount Date Relersrtce Number Mardian! Name Of 7renaedton Daeaiption CratlB Debit Etteetlw 4nnual Paroanta9s Rid. (APR): t1.9tr96 Reese ese Inlorrndlon About Your Aaanl section for bdttrlce mmputaton rnelnod, grsoa Perim, tntl other inlportem iMOrma4on. The ConaepoMinp APR is the rate of imered you pay when you carry a bekrlca on arty vanealaion category. The Ettecfve APR ropresenb your totes tirlartta dtargss - indtrtlng tran6ncfon tees elydt ea wn advance entl balance trenatar taee - expreeee0 u a pMCandga. Tfib Statement Is a Facsimile -Not an origtDal x 00000D1 F133e706C] aD0 M 2 11 Oadn1 Papal dt a0.x1 WWieLr! 0.21000eWD001etiel 118 of 137 FlNANCE CHARCiE3 Finsnca (41ar9e Daily Periodic ReN Correep. Avereps Ddly Due To Trerleaclon Acornxlaled FlNANCE Category 3t days ht qds APR Balance Periodic Rate Fee Fn Charye CHARGES Purdlsttes V .03265% 11.98% 56,545.31 f68.88 50.00 50.00 588.66 Cash aweneee V .06025% 21.98% SD.00 ED.00 50.00 50.00 SD.W Convenlerics dleclt V.03285X 11.88% 51,518.12 515.47 50.00 50.00 515.47 Totd finance ehergee ~ 562.13 StSftet4l@rt Ior aotwuA trtmb.e: raw ex9o zs+, t~ooo New Behnee Payment Due Oe1e Peel Due Arnounl MNmum Payment CHASE O 57AO2.6a 04lOSA9 fD.00pyaYe f159A0 Amount Erraoaed 5 ~ W~drerse~a a~lnei7 PrirUt an~Da~dr~ ~~a ~~ b prdtaes opaiq~l~1 -~ ~~P„laodn a dMl6lnt~ 54036193026439D9DDD0158D00079029455E0658 Jrzmmrzsnac Irr.111.Irr1.IirLllrrlllrrlrlrrrrllrlrlr.rllllir6lrlirrlir.l ANNETTE M HARRI$ON 110 VAUGHN RD CARDMEMBER SERVICE SHIPPENSBUfKi PA 17257-0727 PO BOX 15153 WILMINGTON DE 169993153 Lr1111,1.L,Ltd.Irl.r.ILL.L.r11.LIIrNl.rdlll.r.rrl.il t:5D00 i60 28t: 209 30 264 L 909D 3s' OpertifGrCloaiM Dste: 02/12A9-03ritA9 CUSTOMER SERVICE Paymaa Due Dale. 04A5A9 In U.$. 1.900.231-2569 MNnum Payment Due: 5159.00 Espalbl 1-998-4tS-3308 TDD 1-90x966-9090 PaY DY phlx» 1-e00d39-7D59 aAeida u.s. edl detect 1.3oz-sw-ezoo MASTERCARD CARD SUMMARY Aeeant Nurtlber: Sam 990049x1 6050 ACCOUNT INQUIRIES Previous Bdenm 57,677.01 Total Crad1 Line 513,200 p.0. Box iS269 PeyrtlertL Gedite -5500.00 MdISDM Cre67 55,267 Wilmirplon, DE 14950.5299 Purd»nws, Caeh, Debits ,5349.06 CeM Aoceas Una 52,9x0 Flrorxfe Charpea ,576.97 Mdlede br Caeh 52,840 PAYMENT ADDR E93 New Bdtnce 7,602.94 P.O. Box 15153 Wilydrt6lon, DE 199 96-5 15 7 VISIT US AT: CHF _ AR'T R _Apn pFWARflS S IYYIR Y To redearn you 3heetz Rewerde Previws Kabala edenw 5135.16 call Yls ,unbar on fte bark Rebates Earned on SttaelZ Puratasee 56.46 of you I>sb or lop On to Rebaws Esmed m Purdlaees 50.77 www.ohase.com. Dotble Rebsoee on Grocery. Dinin6, and Travel f0.06 59.72 Relates Due To Expire on statement xt April, 2006 Curtem Rebels Total 5145.09 TRANSACTIONS ltd Blktk Trartrdion Trero AmourA Data Reference Number Mardlant Name or Tranaerxion Orswipion Gedit Debit Told firorlce arar6ee 576.97 EtNcOw Amual Pareantape R>ns (APR): 11.9696 Rene ,lea IMOrmrnion Ahou Your Arrant aeeeon for Ddarge computelon method. ¢ace period, and other importers INOrmaion. The Cortaepon0inp APR is the rate of kdered You pay lNften you carry a balance on any Yansadion ctde6ory 8 ~ 6 ~ 27$ The E71ecYve APR represents your total5nann mr6es - Inaadin6 treneacton lees skit s cash advance and balance traneter toes - expreeae0 ae a percema6e Thls StaterlleRt is a Facsknile -Not arrotiginra{ 0000{100 Fa3iS76CJ see N Z 1/ eflar/111 Pn.l dJ 0Mh M9 W1 Jne3 0]I10000W00WT1ae01 '~ Wm Nal ZOfa IN81300eIMteD71 10 of 137 FINANCE CHARGES Frtance CnarOe Daily Psdodc Rab Corteep. Average Dally Due To Traroaction Acatmulaled flNANCE Cafe6ory Z0 deya in ryde APR Balance Periodic Role Fee fin Cnar{p CHARG E9 Purdtaeee v.032esx tt.eex 58,547.76 562.3e So.oo So.oo fe2.3e Cad+advenlse V.06025tL 27.6696 50.00 50.00 f0.00 f0.00 50.00 Cornaniertce dtaek v.o3zes96 1{.66% f1,5zt.o3 fla.ae fd.do So.oo 51a.ae Statemern 1ar.ooelwd rwmbar: b,o, as3o 216D, aoao New Balance Payment Due Dtle Past Due Artwra Mirinaxn Pay11enf CHASE O 57.613.01 05706/08 50.00 5162.00 IMasymr mesa pardae b Ctrae Card aerNaea 1 wem b d, W brtel Anbunt Endoeed S Naw bWaae a e-mat?' Pnre an bade. WChre P: `ym.r4 dle~yor Di~ w read ha arta6 ec es on ai nsM. 54O1683O26419O900DO152DDDD7643D15598592 x:etaocziaaaec Irrrlllrl..I..IrI..I..IIr.r1.l.rr.ll.l.lr.rllydd.rrll.rllrrl ANNETTE MHARRISON 110 YAUGHN RD CARDMEMBER SERVICE SHIPPEN38URG PA 17257-0727 PO BOX 15/53 WILMINGTON DE 1D868-6153 Ir.rllLrrloLLLLIr.dLL.LoLJ.IL.dr.dlll..o.Ll1 x:5000 L60 281: 209 30 264 190903M Openirlgrgodrq Dtle: 03/12A8-04111/08 CUSTOBIER SERVICE Paynwrtl Due Data: ~b6/08 M U.S. t-800-231.2666 Mldmum Peynwit Due: 5162.00 EspaM1Ol 1-088.446-3308 TDD 1.800-DSi8000 Pet Dy phone 1-600.4,76.7D58 Ouidde U.S. call co8act i-302-SD4.8200 MASTERCARD CARD SUMtAARY Aemint Number: 5401 8x302891 DOa0 ACCOUNT INQUIRIES Previous Bdenw 57,B02.D4 Total Credt Line 513,200 P.O. Box 152D9 Peynlertt, Credits 5500.00 Avdlabls Credit 56.566 YAItlrinplon, DE 1DM0-52D8 Purdtaeas. Cash, Debits x5166.67 Cash A¢sss LJne 52,Wo Finance Cfrrges +573.40 Avdlabk br Caen 52,810 PAYMENT ADDRESS New Bdenw 7,643.01 P.O. Bo:15163 1Mlmirrglon, DE 188863153 VIER US AT: wvrw thew mMrradr_It~!de SHF FT7 YACTFRCARI, RFM/ARDS 3UYYAR y To redeem yov Sheetz Rewards Prevfaue Rebde Bdtrnoa 5145.08 ee0 the raxtlher on ha bade Kebabs Eamed on Shernz Purchaxs 55.03 of your card or log cn to Rebates Earned on Purdieess Sq.OO www.chW.oom. 58.72 Rebetea Due To Expire on etatemem in April, 200D (Srnsro Rebate Total 5150.71 TRANSACTIONS ~ Blink TrotvmUion FINANCE CHARf3FS Finenw Cfargs Daily Paeioole Rat Corresp. Averege Odly Dus To Trarsselon AeamlaMd FlNANCE Category 31 days In gds APR Belsnw Partook Rtle Fee Fln Cher{fa CHARGES PUrcheasa V .0307BX /1.24X 58,173.17 SSB.B2 50.00 50.00 558.82 Cadt advanwa Y .0581DX 21 MX 50.00 ED.00 50.00 50.00 50.00 Corsrenierbe dreck V .030781E /1.24X 51 618.62 514.46 50.00 50.00 514.48 Totd inence dwges 5/3.40 Etteetlw Amwl PerunLpe RaM (APR): 11.2996 Please the Inlormtlion Abdul Your Aoeotxtl section for Ddanoe computation nteMOd, grace perioQ end other importers irAortnaYon Tha Conesponding APR is the rtle o1 imaretl yW pay when you carry a balance On enY 1rMeaW on category. The Etleclre APR represams yow total tinsrxs dteripe - irtcludinq trortsection fees each M cash advance end balance lrartsier tees • sxpserd es a pereerrlege. tii PORTANT NEYVS Guard agenel idernay inert aM manepe your Credit IMOrrrrafon rstn Chsee ID Probotlon. Gel unlYTtited xwse b 3~rt-1 aeds report end scores, daily rtgnilodnq o1 your aeon rise Limey dens and nbro. To purchase. wll 81 60278 ,-966.7, 7.7534 or vial, www.dtasddproteaion corn. This Statement is a Facsimile -Not an oNgN,al aooooo. rrsuan c a aw N z + r awns vaq• t a s corm •u •u xfu f or oooaxboc•ava )< aced ws+sr a •+erxn rNSUO>s 46 of 137 Trorts Artlount Data Reference Number Merdient Name or Traneediori Dasaiptgn Qe0b Debit Statement for aoeovrt rrxn66Y: shot ee3o zs6i sooo New Balance Peymanl Due Date Pmt Due Artlpetl Mirwrkam Payment 57,557.68 OWOSa08 50.00 5151.00 Yoke ywr Bleak p.yaW b G1er Cvd 6eMae:a Amount Enadoaad f New baksaa ar a-rnalR Pnrt m badr. 54D1683D26419D90DDD151DD00755759561311D aaeaa erxx z tame c ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG PA 1T257-0727 11r.IIL11111LLLLLoILLdo1L1111LoLr1111Lo11Lll CHASE oQ IGI~ms P~ymerY~dlepgta qp1aann I~.e road tfte B~a~ne 8 Disclosures on beds 01 nasty. CMDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18888-5153 e:5000 i6O28t: 20930 264 L90903M OpennyClosinp Dade: 01/12108.05J71/08 CUSTOMER SERVICE PY yrnwtl Due Date: ~p'~ In U.3. 1.800.231-2566 I Payment Due: 5151.00 Espafbl 1.66646.3306 TDD 1-800-Y55-6060 PeY by phOM 1-600-~36.7a56 Ou4ide U.S. call cdlecl MASTERCARD CARD SUMMARY AeegeM twrrl6r: 1-302-5046200 5401 683026.11 6060 Previous Baance 57,643.01 Total Cre61 Line ACCOUNT INOUIPo ES 513.200 p.0. Boz 16288 PaymanL Gedita -5500.00 Availede Crew (5.842 Wilmi nprorL DE 18850-5288 Purdlaaee, Gah, Debits sf344.74 Cash Arxam Uns 52 640 Flnerloe ChrOm aS68.84 Available br Geh f2,640 PAriENT ADDRESS New Balenee 7.657.66 D.O. Bo:15153 Wilmirglon, DE 188863153 V19IT US AT: www.dtalls mrn/oeditlard• SHFFT7 ACT R _ARTI R WARf]C CIIYYAR Y To redeem yov Shaetz Rewards Previous Retaele Balance .5150.11 cell the number on he beds Rsbalee Eamb On 3heNZ Purchase 58.86 01 your agrd or 108 an b Rebates EamW on Purdteeea 50.00 www.dtsee.oom. 58.72 Ralbetes Due To Eapiro on stetemern in April, 2008 Cunem Rebate Total 5t56.a7 TRANSACTIONS ® silk 7rarlml5ion Trene Nnoure Date ReNrence Number Merdlant Name or Treneea3bn Denatplbn Gatlh Oath Total insnce dirges 568.94 Elbetlve Amuel Parcentepe ReN (APR): 10.BB1G Please see Imormation About Vour Acoant eeceon for balance mmpuNlon method, grace peno4 ono other inlportartt iMOnrrelon. The ConeepoMirlp APR is th rate of irnrer you pay tvhn you csry a balance on anY trenaedlon category The E1fac7ve APR represents your tole) tirlance dlrpes • irtdutling trerlsacfon Nee sudt m cash eovarace and balance trenetr leas - expressed m a prcernage. Swe on applianees, MP3 Player, toys and rtwre et Shoppers Advemaga. Fam ®dr-back rowerda on eli8ids purdlaaea fn addlilxl to the bw grilse. Get he delaile Bt wwW.Shoppere 8 ~ 6U278 AMrnage.eorNChase, wrtere youll a iaNlriRetl m a Chm astlrnertlbr eligida for this epxial TrAegienl offer. This Statement Is a Facsknlle -Not an oMginal 0000001 Fiaaaae Ca 000 N 111 Oe~ON11 Pq~l pB 00121 WWaee1J 1a210aWWa0DDaelael z Wa1 Ma130tl W81a11I1M/271r l 42 of 137 FINANCE CHARGES Finance Charge Daily Psdodc Rate Corresp. AvereOe Deily Due To Trertseclon Accltmtlalad FlNANCE GteOory 30 days in ryde APR Bdenca Periotlb Role Fee Fn Charge CHARG E9 PuraYlems V .03011% 10.88% 56,211.06 556.10 50.00 50.00 566.10 Gah aalvances V .05751% 20.88% 50.00 50.00 50.00 50.00 50.00 Gnvenlence check V .03011% 10.88% 51,520.66 513.71 50.00 fD 00 513.74 Statement for aiccotwlt nw,mb.r: swT ea30 26n t10Do New eahncs Payment Due Dete Peel Due Amount MiNmum Payment (7,252.12 07/OBNB (0.00 f145A0 1~ WI. Ywr aMak OaYWeto: IL Ch... C.~.9arvl.es. PMaa wrd anprrr[ andose. NtnretWreaav~mel? Print ar bath. CHASE ~ ~~~~~ 54D3683026419D900D0145D000725212562767D ease mt z teaoe c ANNETTE M HARR KiON 110 VAUGHN RD SHIPPENSBURG PA 17257-0727 irrrlllrirrlrtlrl.rl.rllrr.1.1.,r.ll.l.l..rllr.lrl.r.ll..ll.rl L..III,r.Irrl,lrl.Idrr.ll.Ir.Ir.drrl,IL.,Lrr11I1.r.rrL11 CAROMEMBER 3ERYICE Po Box 15153 WILMINGTON DE 1D886-5153 1:5^^^ a,60 28e: 209 30 264 i 909^ 3a' Optrnptygoairq Dale: OY72t09-06/11/09 CUSTOMER SERVICE Peynterl Oua Dale: 07AfY08 In U.S. 1-800.231.2569 Mirtimum Payment Due: f/45.D0 Espafbl 1-888.4!8-3309 TDD 1-000.956-00!10 P.y t>r phone 1.900-136-7D59 Ouaide US. cell tbllect 1-302.594-9200 AAASTERCARD CARD SUIIItAARY Account Number : 94m 8870264/ 9Mo ACCOUM 1NQUIi8E3 Previous BAanw f7,657.5D Total Cretft Lino (13,200 p,0. Boa 15299 PeymenL Gedim -E400.00 AvalabN Crotfd (6.947 Wdminplon DE 1D850-5298 POrgtases, Cash. Oebits .824.56 Cash Acceae Una . (2.640 Finsnca t77erpas ff69.D7 Avalede br CaM (2,640 PAYMEM ADDRESS New Baanw 7,252.12 P.O. BOi 15153 Wilminplon, DE 199963153 Y191i U8 AT: IAeaw dlsee tnm4xeditr:,rtle R FFTI YAC'T R _ARn RFWARnR Cl1YYAR Y To redeem your l3heett Rewards Previous Rebate Balanw St56.97 call tAe number Doric parx Rabsbe Earned txt Shaetz Purcluaee (0.75 01 your wrd or lop an to Rebates Elaned on Purdttnee (0.00 '"^t""'.~~.wm. 89.72 Rabatee Due To Expire on etatemem in Apnl, 200D Currem Refute Total fi5e72 TRANSACTIONS ® BIrtk Traneatlian Trerts Arttourn Date Relerenca Number Mardten/ Name or Traneataon Deevlpbn Ged9 Debit 0 5 099 000 05/23 054101fM145496690219411 SHEETZ 00000003 SHIPPENSBURG PA 4.55 06b3 1 551550200000209722 7 aymenf ou one 400.00 FlNANCE CHARGE-S Flnartw Cnarpa Daily Periodic Rets Correep. Averope Daly Ous To Trertsecfon Acanalaled FlNANCE Cettgory 31 days in tyde APR Balance Periotlie Rae Fee Rn Charpe CFIARGE3 PurtStaeee Y .03011% 10.99% (6,976.12 555.79 (0.00 fD.00 ~ (55.79 Cae11 ed/enwe V .05751% 20.D9% (0.00 (0.00 (0.00 (000 (0.00 Cornanierba cfiedc V .03011% 10.D97. (/,520.53 (14.10 (0.00 (0.00 f14.1D Tote anence tY+arpee (66.97 EtlecOre Amwl Percattape RsN (APR): 10.9!% Fleece ass Irdamelion About Vour Accent stxhon la baenw wmputefon tne9tod, grew period, nd Drier irttportem irdrmntion Ths ConaepoMinp APR is the rae o1 intarraat you pay when you cony • bahnce on erg' traneaetion calepory. The Etttrc7ve APR ropresents your 1mal11nerrw dtarpes - IrtdWing trensaefan teen eudt sa cash advance end Oelence treneter lase - expreeead ae a percemape. IMPORTANT NEWS Guard egalla IdarMythatt eM manage your credt irdarmatlon wiri Chess 10 Proteclim. Gel tnliNled eceeee b 3-in-1 otedit rtyorts and swree, daily rnonnodnp of yov credo Nsa, imey sane sod more. To purchase. wll 1-s0o-217-0201 or v1e11www.tTaeeidprOtaction.Dom. 8160278 This Statement Is a Facslmlle -Not an ortglnai aoooooa neasveca coo x z tt oeaerrt rap•taa oxzr wnarnaszs rmtoooomoomeexea )< mmwe+a+zt wsrata watana 52 of 137 Statement for sceoar7l numbs: 5401 ea3o aa47 aDOD New Belartca Payrttent Due Dab Psst Due Amount Mirtirrwm PaynteM f7,o31.eo oeasae 7a.oo f14o.o0 . 61st yer. td.eat pyeYe te: Cheee Cud 9avloq. Ppeae Mrb eoctett ertdotwd. New eddreae a rmel? Print on belt. 5401683D26419D900DD140DDDD7D318D5648D69 estee trex z ittxe c ANNETTE M HARR130N 110 VAUGHN RD SHIPPENSBURG PA 77257-0727 CHASE Q 1(w~naati~b_ptrdt oriel PJar1.IbPya~ ^Ie I.rrIII,IrrIr.1.I.r1..11rr.Ir1....Il.l.lr..ll..lrl.r.llrrllrrl CARDMENBER 3ERVICE PO BOX 15153 WIUNINGTON DE 19896-5153 is 5000 160 28i: ~ 209 30 264 i 9090 Sae Oputlnprgoeinp Dele: ON12a6 -07/flee CU9TONER SERVICE Paymara Due Dale: OeaS/Oe In U.9. 1-000.231.2568 kirtirnum Payment Due: (140.00 Espetlol 1-08&446.3308 TDD 1.600-Y65-8060 Pay t>r phone 1-BOOJ36-7958 Outside U.S. call ccllacl 1-302•SW-8200 AAASTERCARD CARD SUMMARY Aeeant Number: 5401 68702647 6060 Previous Balanw E7,252.t2 Tolel Ceedt Line ACCOUNT tNIXlIR1E8 (13.200 P.O. Boa 15296 Payment- Gedib 5600.00 Aveilebb Credit (6,168 Wilmtnplon. DE 18850-52D8 Ptrd7mes. Cash, Debits aS213.72 Cash Atcees Urr f2,W0 Finarvs Charges af66.96 Atroilebb br Ceeh (2,640 PAYYENi ADORE33 New Btaanw 7,031.80 P.O. Box 15157 1MIrtt9plon, DE 186883153 VIS7T U9 AT: vNr W. dtsa. (n mACredtrn rde 8160278 SHFET7 1LASTERCARD RL=WARDS CIiYYAR Y To rodaern yov Sheet Rewards Previwe Rebels Balanw E159.72 cell Me number on rie beds Rebate Esmad on 8heetz PurtXteeee (6.43 of yotr tbrd M lop on to Rebates C-amed on Pwdtases (0.00 www.dtase.oom. (8.72 Rebates Dw To Ezpiro on statartteM in Aril, 2008 Currem Kabala Tobl 5166.75 TRANSACTIONS ® B9nk Trerteadion Trerq Arttoum Date Reference Number Merdtrnt Name orTmeadion Deavigbn Gede Debit Total 7nance tdtarpae 565.96 EMectlve Amuel PerwMepe RNs (APR): 7D.96X ReaN sae IMOrmalitrt Atbut Your Account aecfon for balance wmputofon method, Qew period, end other importard imorrnefon. The COr/eapOndlnp APR Is the me of interest you pay 9Abn you carry a bakrtce on ant teneaction celegory. The Etlecive APR roPesenls your toW 19tartw dtarges - irtdudinp tranaac7on lase eudt r cash advance and talents trenslu tssa - erpresaed n • pereemepe. IMPORTANT NEWS Guard against iderndy theft and manage your credit Morma7on wiri Chase ID Protedlon. Gel uMtnited aecees b 3-in-1 credit report and scores, deiy rtanaorirg of yov aedh flee, amey elms end more To purchase, wll 1-800-217-0291 or Weii www.dtaeeidpotetaion.com. Tt71s Statement Is a Facslmlle -Not an original ooscoor stassaes c a soo ri z t t asmn t fay. t a t oar w sw aeara t wt ccoomoooss~aea x mss aetzest watszss 28 of 137' FlNANCE CHARGES Finance Charge Daily Periodc Rate Correap. Averege De9y Due To Trerteacfon Actvmlabd FlNANCE Category 30 days in qW APR Balanw Periodic Role Fee Fin CTarpe CHARGES Rxtrieaea V.03011X 70.997E (6,781.17 (52.22 (0.00 (0.00 (52.22 Ceah edvenwe V .05751X 20.99X (0.00 Si0.00 30.00 fD.00 (0.00 Cornrenbnce dtedt V 03071X t0.B9X (1,520.95 (13.74 (0.00 f0 DO (13.74 State111011t for aoeolBM rlurnbar 5901 6830 2691 ftobo New Bahrice Payment Due Dale Paef Due Annum A9rtimurn Payment f7,3u.e6 ovosae fo.oo f116.o0 ,w ~ Mel. ywr eMaM p.yeY. ee: YW: Cheee CW 9wbu. Pbeas wrb emanl onaosee. New eearoef or -nuI? Prim an Wd.. 54D16a302643909D0DD1460000731489000D009 men eEx z zx•asc ANNETTE Y HARRISON 110 VAUGHN RD SHIPPENSBURG PA 1 72 57-072 7 CHASE Q IorIIIJr.LtL6r6rILrtLLrrrILld.olLdd.trllolLd CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 16868-5153 Ir.rIILr.Ir.IddJtL.rILL.Ir.drd.Ilr.J...ltllrt.rri.ll 1:500D 16D 28r: 209 30 264 1409036' Openhygodri6 Date: 07/12Ar8-Odlt/OB CUSTOMER BERtACE Payrnerd are Data: oaosro9 h u.s. 1~9oo•z31-zsBe 4irimurn Payment Due: 1146.00 Espafbl 1-88&M6.3308 TDD 1-806655-8060 PaY by phOM 1-000-036-7658 Outide U.B. call cdlecl 1-302-564.820D MASTERCARD CARD SUfiA1AARY weoourt Wunrbar: 54ot sew ze41 6090 Prevous Bdanoe 17,031.80 Total Credit Line ACCWNT INOUII6E3 113,200 p.0. Boa 15268 Payment, Credits 3500.00 Avdlable Credit 15,'85 1Mtmin6lon, DE 19850-5268 Pvdtasea, Cash, Dedts .5716.91 CaM Aaceee Una 12.640 Fnance Charges X166.28 AvdldNa br Cash 12,840 PAYYEM ADORE98 New Bdsnce 7,311.8' P.O. Box 15153 Wilmington, DE 168B6i153 VISIT US AT: SHFFT7 ACT R _ARO REWARDS SIIfIIYAR Y To redean yotr Sheetz gewarde Previous Rebels Bdann (166.15 cell the number on the Oad Rehabs Eemed on Sheen Purtlteaea 16.35 of yatr ®rd or Io0 an to Rebates C-emed on Rrrchtstas 11.10 www.o`tese.rnm. Double Fiebatea on Grocery, Oinhg, end Treed 11.10 19.72 Rebates Dw To Erptre on staterrtertl In April, 2006 Cunern Rebera Total 1177.00 TRANSACTIONS ® Blhk Trortssgion 8160278 This Statement Is a Facsirnlle -Not an original ooeoooz srseaaeaca o0o w z tt assns a.e•taz oe•zt weustns zartoaoooaooaatsrsm 7< mss warauz wstazat 24 of 137 Trans Amours Date Reference Number Merdtem Name or Trertasaim Deeaipion Credit Debit Openingrdosrg Dots: 07/12N6 - ONt t/OB Aaourn Number: 5401 6830 2641 YI'>00 PBge 2 of 2 FINANCE CHARGES Finanw Ctlerg• Dsiy Periodie Res Coneap. Average Deiy Dus To Treneeaion Aoarrluleted FINANCE Ceiepory 31 days it pde APR Belanw Parbac Rate Fea FIn Charge CNARGE9 PUrchBMS V.03011X 10.08% 55.564.30 552.12 50.00 SO.OD 552.12 CtWI advtncN V .05751% 20.8{1% 50.00 50.00 50.00 50.00 50.00 Convenenw aleck V .03011 X 10.88% 51,516.52 514.18 50.00 50.00 514.15 Total linarlCe anrges 566.28 Eflectlva Annual Perprdepe ReM (APIA: 1QliX Pleaw eav YtbmMion Atwut Vour Acwunt sectlon br bWttnw corrputatlon maho4 lfa0e period, erld omen itnportarn iNOrtrretion. The Corresponding APR a rie rate of irnerest you pay when you carry a bdsnw on erly trenseaion wlegory. The EflelYive APR repreearna your total finsnw charges • irlduanp tenaedion teas eudl ae cash edvtnw end balance trar»ter fees- e>glrered as a perasrnape. IMPORTANT NEWS Guard against idemny men tNW nlarnpa your treat irnormetion wiri Chow ID Protaaian. Gel tnifrita0 aocesa b 3+n-1 aetli repose and awrea deiy nlanibrinp of your vedn flea timely elene and more. To prdwse, cell 1.800-217-02Y1 or viol vvww.dtassidprotection.oom. Save on epplierces, MP7 Pleyera toys, end mare rn 9hoppsra Advarnape. Eem cash-boat rewards an ekpide purdwew in edatlon to ate low priws. Get rie dsWb el www.Shoppere Advernapa.wrr/Cfleee, where youtl be Idardifed m e Chess cardmenlber alipideior riie epeael Trllepient oiler. 8160278 This StatemeSSt Is a Facsimile -Not an otiglnal )( 0000001 Fl9JYKISCJ 000 N Z Ii mIQI11 Pgrr2d2 Wt21 MI11Ah S1 ere T241aooooJOOasreraol 26 of 137 Statemerrt for aecoutl rttirlibar: 5801 QB30 2681 tloYo Ne S7BW 69 PaYrttent Di'r0/O6a'p9 Past Dw A ~ o Minimum s, SB'~'.00' C~HApp~~yyST~pigE Q gwiw W9~inlo~Meto: Dietl~MOfl ~rroer~l. ~Y PMa>•wi. amoint.ndoaad. New aadrna or -msi? Pruz on Ird. 5401683026419D9000D15800D07902885687D62 moseorzaiwc I..rill.I..I..1.I.rl..Il.rald...,I1rI.1..rII.J.I...ll.. ANNETTE M HARRISON 110 VAUGHN RO CAROMEMBER SERVICE SHIPPENSBURG PA 172s7-8727 p0 BOX 15753 WIUWNOTON DE 18!18(45153 Lolllo.LJ.L61.IoJLLd.a.L.LILI.II.JIIL.a..Lll 1:5000 160 281: 20930 264 L90903a' OpwtinyCloeirg Dale: OB/12p8-08V11/OE CUSTOMER SERVICE y"p m nt M U.3. 1-000.231-2568 6is Mn mu Payme Due: j e.oo Espafbl 1-BBbM633o8 TOD 1-000-a55-0OliO PaY I>y Phone 1.900J36-7858 Outside U.3. dl collect MASTERCARD CARD SUMMARY Account Nunitar 1-302-584-8200 : 54m 6aio z61t 1080 ACCOUNT iNOU1RIF9 Previous Bdance j7,31189 Total Cre61 Line j13,200 p.0. Box 15288 a m A ~ ~'Imnplon, DE 18850-5286 Pur ee, Cash, Debits 8715.88 CaM o cesa Une j2.610 Finance Cherpee 872 00 Avdleble for Cedt j2,640 PAYMENT ADDRE88 New Bdante 7,802.88 P.O. Boz 16153 Nfilmirgbn, DE 188863153 VISIT US AT: SNFETI MIACTERCARD REWARaS S IYYAR Y To redeem yar Shee¢ Rewards Previous Rebee Bdanov j177.00 cdl rie nunibw on rie barx Rebates Eamed on Sheetz Purctmsee j5.25 01 your urd ar l08 onto Rebates Eamed rM PUrdtasss j4.T4 www.dtaee.mm. Double Rebates on Grooary, DinitB, and Treed j1.25 j8.72 Rshetes Due To Ezpiro on etatvrrern in April 2008 Curtern Rebels Total j188.24 8160278 Thls Statement Is a Facstlnlie -Not an orlglnal 0000061 Fg3A1]6Cl 000 N 2 11 Oe~ea'rl Pq.l tt2 Oe121 aV1aN 77e/l ae100000.t060eM710/ ~ lOet Met0ae6 '2of137 TRANSACTIONS ® Blnk Trerteaaion Trans ~ Am6urn Date Reference Pilmber 6terdtant Name or Traneadion Deeaiption Credit Debit Openhg/pofirfp Dfde' Od12/OD- 09/11/08 Aoewld Number: 5101 6830 2641 9090 Pepe 2 of 2 FINANCE CHARGES Finance Cherpa Daily Periodb Rats Coreep. Category 31 d M Average DWy Dua To Traneeplon AOeumflefed FINANCE ays t ~ro APR Balance Periodic Rate Fee Fn Charge CNARISES Purcnaaea v.o3o11x to.e9x 56,184.11 Es7.ez So.oo so.oo ss7 ez CBln sdvance! V .05751% 20.99% 50.00 50.00 50.00 50.00 . 50 00 Convenience dfatlc V .03011% 10.89% 51,578.00 514.19 50.00 50.00 . Stt.18 Total Nnamca rherges ~.~ BNNva Mntal Perf»rtNpe R!N (APFq: iQ9Y9L Please see Yfbrrttealon About Vour Aecotrft semen br Ddtna conputadan 1nalho0, Qace padOd, and other irtportum iftornMian The Correeporfd'np APR ro rice rfpe o1 interest You pay vrtfan you ®ry a balance on any treneeaim category. The Ciledive APR repressme your total fnana enefpes - irfduflinp Yaneac0on tees east ss cash advanp and balance trarfslx tees - effpnelsed as a peroemepe. Gfad apainfp idfanity theft and fiferegB your credl information fefth Chess Identity Protfrgion. Gat eacaas b San-1 aedX capon! end scores, daily monsodng o1 yov vedil 1ie4 tlmey alerts and rare. To grdbss, elf 1-804217.0291 or visit www.dtneaidFxoteCion.com. 8160278 This Stffiement is a Facsimile -Not an origktfal )( 08000ef FlBJ3115 C3 000 N Z 11 eNpWff Pq~2ra2 O0a2i RM BN 8767{ 2551Oa0De8000a707~e2 4of137~ $tatemeM br aN;ooum nwnbay: 5901 6830 26/18080 Nsw Bslarlea Psyrtlent Due Date Past Due Anxxlm Minimum Peymenl 56,058.99 /1/OSAB 10.00 ~ 5/61.00 -~ Yeas your elrtlr peyeMe to: Chase CW 7xarloes. Plwas cart errant endoasd. New edsreaa a rmei? Print on bedr. 54D16830264390900D0161DDOO8D56995711328 apn eol z asa c ANNETTE M HARRI30N 110 VAUGHN RD SHIPPENS BURG PA 17267727 ~.u~~~ua~u ~r~l~a~r~a n~~a~n~ua~n~a~~lu~.a.t~ ~~uaa~a~~ CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19996-5153 1:5000 i60 281: 209 30 264 i 9090 3M Opertirtlygodn0 Dale: O9/12A9 - 10/11M9 CUSTOMER SERVICE Paymam Due Dale: - 11A5A6 In U.S. 1-000-237-2569 Mirmum Peyrnxlt Due: 5161.00 Espafbl t-0a9-446-3309 TDD 1-800-955-9060 Pay W phone 7.900.136-7958 Outside U.S. cell collect MASTERCARD CARD SUMMARY Aoealnt Number: 1-302-694-8200 5'401 awo 2947 9090 ACCOUNT INQUIRIES Previotm Bdenea 57,902.68 Total Credit Line 513,200 p O. Box 15298 Payment, Credit -5300.00 Avalade Credit 55.143 Wilminplon, DE 19650-5298 Purdlaaee, (Xdt, Deane ~E381.67 Cede Aoceas Una 52,640 Finance Chagas .572.44 Avdlede br Ceah 52,640 PAYYIM ADDRESS New Bdence 8,058.99 P.O Box 15153 YKInwglon, DE 198866153 VISIT US AT: www.dleee. mnycredittbrde SMFFT7 ACT R _Apn REWAl1DC C IYYAR Y To redeem yav Sheen Rewards ReMoue Retxle Bdano 2188.24 cdl the number on 1te beds Rehatea Eamsd on Sheati Purchases =3.51 of yolr urd or log on b Rebates Eamed on Purdleaee Sp.oo www.dteee.mm. 36.72 RabNes Due To Expire on sutemem in Apil, 2009 Cunem Kabala Total 5191.75 TRANSACTIONS ® Blink Trartesdion Tram Amoum Data Ralerence Number Merdtant Name or Trenmaion Deealplbn Credit Debit Totd finance chapee 572.M Elhctlve Amual PerwnY9e Rate (APR): 10.6e9L Reese nee Irllornlnion About Vour Accaxtl aecion for bdanra mmputa9on nlelhod, gate pxiod, at0 olhx imponax iMOrma9on. The Correapondirq APR is the rags o1 imxsn you pay when you carry a balance on sny treneac7ion celellory. The EBec-ve APR represents your total finance dlxpes - irxdudiq trensecf on fees sudt p cash advance and belartce Nerrofx tees - expressed as a pxeemepe. IMPORTANT NEWS Ramsmbw fo pay at lean your mlNnem payment by he peyrnant $ ~ 6~ ~~ ~ due dale in order b awld late fees. This Statement is a Facslmlie -Not an orlgMal OOOODOx F7637~6 C 0 000 N Z 11 Oel10A t Pape i d t Oea3i W W 30¢01 ZMi 00000.'100at02er a Z Wa0 we11lat lNel00a CHApuS~E oQ 1~araxetoPayrttem eRdlep~yo~r P.tlan. 1Ve read 1ha Banefita a D adowres on bads al next. laallllrlaalarlll.a1.lllaaal.la.arll.l.l...lla,lalal.lllrll,ll 40 of 137 FINANCE CHARGES Finerlce Chege Deily Periodic Raw Correep. Averepe Ddly Due To Trenseclan Acalrtxlefed FlNANCE Celepory 30 days in Hyde APR Relents Periodic Rde Fee Fn Chaps CHARGES Purdlaeea V 03D71X 10.99X 66,502.66 =59.74 50.00 50.00 568.74 Ceeh advances V 05751X 20.99Y. E0.00 50.00 SO 00 50.00 50.00 Cornanbnce dleck V.03011X 10.99X 57,516.18 513.70 50.00 60.00 513.70 Statement for Aaottlllfll numbs: 5001 ee3o 2tS~1 Soto f8,042nca Payment ~2I09N9 Peet Dw ~ 0 Nfrtimum =q~ o CHASE Q Q; Cwhw O N 9~wb~u„. Matra: WPICla8n~hn~~PYymeMrtwl fey rel Y' PMaae wrim aexxxrt ondosxe. Dledoeur9e on badcBaMn~ New addrasa or a-mal? Pmt on ad<. 54D168302641909DDD01600DDD8042305731642 wtataazataast: I,,,111,1„1„I.I.,I„II.,,I,I,.,,Il.l.l...ll..l,l.,,ll,rll,rl ANNETTE M HARRISON 110 VAUGHN RD CAADMEMBER SERVICE 3HIPPENSBURG PA 17257-0727 p0 BOX 15153 WILMINGTON DE 1988&5153 I,oIII,,,IoLLLLL „1 LL.L„I„LIL.,I•„il II,,..,L11 1:5000 L6^ 28t: 209 30 264 i909^3ea OpannyCloeirtp Date: 1 W12A9 -11/11/08 CUSTOMER SERVCE Paymem Due Date: 12pd09 to U.S. t-900-231.2569 Aarimum Payment Dw: (160.00 Espafbl 1-88614E3308 TDD 1.800.855.8080 Pay by phone 1-BOO~3ti-7859 Outside U.S. tall coesa 1-3oz-sw-ezoo MASTERCARD CARD SUMMARY Aeeotwtt Number: 5401 89302841 8080 ACCOUNT INGUIRE8 Previow Brarnr (9,059.88 Total Credit Urw (13,200 P.O. Box 15288 Payment, Credim -f3oo.ao Availabb Cretit (5,157 Witmirtplon, DE 18850-5288 Purdtssea, Caeh, Debits x$217.92 CatA Access Una (2,640 Finance Charyae 8(67.49 Availttde for Cash (2.640 PAYMENT ADORE39 New Branca 9,042.30 P.O. Box 15153 Nfilntirtglon, DE 188B6fi153 VIS1T US AT: CHFET7 ACT R _ARn REWARDS •: IYYAR V To retlean your Shaetz Rewarcb Previous Rebels Balsnce (181.75 call the cumber on rie bads Rebates Eametl on Sheetz Purataeae f3.8D o1 your wrd or l09 on to Rebates Eamed on Purdtues (0.13 www.dtaea.oom. Doubb Rebates m Grocery, Dinitp, antl Travel (0.07 f9.72 Rabstee Dw To Expire on stattntern in April, 2008 Currem Rebels Toml fi85 84 TRANSACTIONS ® &itk Traroaaion Trerte Amount Date RNerence Numbs Merdtent Name or Trtnttactlon Desaiplgn Credit Debit Totr tnance dwges E67.48 E11eQlve Annual PeroenLBe Rate (APR): 8.88% Please see ireormetion About Your Afiount section for brenw compulaton method, ¢ace period, entl other imponem irdormaton. The Conaepondirp APR is the refs of intarer you pay when you carry a balance on any tnnaadion category. ,e v~ The C-tteetve AP R represents your total tirerxe dtargee • inclu0ing trensadon tees 8''sQ27$ wilt ea teen etlvence end eelence trerreler teen - expreeee0 ae a percemage. Thls Statement Is a Facsknile -Not an original aoaaaos Pisaaateca ace a z tt oentnt nq•tat oar wnwaetSa ataaoaoaaoaaetma Z Wp Na110M Wal00ae 74 of 137 FINANCE CHARGES Fnertoe charge Dilly Perfoac Rata Corresp. Averega Deity Due To Treneacton Acwmuletad flNANCE Category 3/ days ri Hyde APR Balartoe Periodk Rate Fee Fn Charge CHARG E9 Purdteaee v .ozrt7x 9.9ax y9,44o.94 f54.9s fd.oo fo.oo (54.65 Car, advances v os477X 19 sex fo.oo fo.oa fo 0o fd.oo Eo.oo Cornrenience deck v.oz737x e.eex ft.stz 79 f12.e4 fooo fo.oo flz.e4 StatemenR for accouN reulnber: 5ao7 6830 zsai ~osoo New Balance Payment Due Dots Past Due Amoum Mirwtxlm Payrrtanl fe,loz.eo olrosroe 10.00 1162Ao W lease yev eMtA psp.Me ro: Chw CaN 9tavbea. PNaee wra amaxa andoaM. New address or evml? Rn[ on W dr. CHApuSE oQ qCh~ bPl~rl~syr~a~Rgd~ls~e[~o~r Dia~r b~~~ a~an back dl Fra~ 54D36d30264190900D01620DOD81D2885751288 xseo ttmc z xaoe c ANNETTE M MARRISON 110 VAUGHN RD SHIPPENSBURG PA 172579727 I..rIII.I„6.I.Ir,1.rllr..I.IrrrrIl.IJ...llyd.l.rrllrrllrrl CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE lYaa6.5163 I.rrill.rrlrrlrl.1.1.lr..li.lr.lr..l.rl.ll.wl.r.llllrrer.lrll 1:5000 L6D 281: 209 30 264 L 9090 3lr Openinygodrtp Dale: 11/12roa • 12/11/06 CUSTOMER SERVICE Peymem Due Dale: O1b510e In U.S. 1.600.231.2666 sfrtimum Peymenf Ow: 662.00 EaprVfol 1.66&446-3306 TDD 1-000-G55-6060 PaY Dy pharw t-BOOd36.7e56 Outside U 8. wll eoaea MASTERCARD CARD SUMMARY Acealalt Nurnbsr : 5401 se3o x641 loco 1302 5w-azoo Previous Bdtnce fa,042.30 Told Credit Line ACCOUNTINWIRIES f13,200 p,0 Box 16266 PaYmenl, Gedne -5200.00 AvalaDle GeM . f5.6e7 WilmirgloR DE 19650-5266 Plzrhasea, Cash, Oebits +11G3.61 Cash Amens l)ns E2,640 Flnanoe Chagee af66.a7 Avdlada for Ceeh E2,64o PAYMENT ADORERS New Bdanoa ,102.66 ~ P.O. Box 15153 VYimin0lon, DE tY996h153 VIER US AT: teeehe dlese mMCreAtmrde SHFFT7 SSACTFRCARIT RFWARIlS C 1YYAR Y 7o redeem your 3heetz Rewards Previous RebaN Bdana f1Y5.e4 till Rte number on the Dads Rsbat» Eamad on SI1Mlz PurdtaMe 53.52 of your card orlo0 on to Rebates Esmed on Purdtws f0.64 waw.chase.mm. Double Rabuaa am Orooay, Dining, and Travel 30.56 36.72 Reba1N Dw To Expire on stuertwm in April, 2008 Currem Rebate To1el 1200.66 TRANSACTIONS ® Blnk 7rarteeaion Trerts Amoum Dale Reference Nurttbsr Merdnem Name of Tmsaaion Deetxiplion Gedd Debit Told ktanee dtsr0ae 366.97 Eflsetlw Amwl Pereenlegs Rue (APR): 9.89% Plsw nee IMOrmason About Yaur Account sac6on fa Ddanos mrttputstlon melho4 Orem period, and other imponam iMormaaon. The Corteapondinp APR ie the rate of imered you pay when you cary a balance on ta,y trataealon cete0ory. The EBecive APR ra)reeenle your 1Md tirmrxa dter0ee - Irtcludn0 treneacfon lase suds as cash adrence and bdartce trensler lees - azp: eased as a pertarna9e. 13wtd a(pind idershy theft and manage your CrafFl IMormation with Chase Identity Protection. Get accax to your cra0if report end soora, dilly ttaMtainO of $ A C02~7$ your aedh 1pa4 5mey darts end moro. To purcMSe, call 1 V ! t-eea-717-7534 or visit w.vw.dtaeeidproleetionoorn This St~lefttettt RS a FadknNe -Not ~n pti~hal mdpdex FCC] Gee N 2 11 Oen1/I1 Pq.l dl OM2t WAy, S.eee yelOWpQlpppeNedet ~' W<4 Mi811eM 918tee11 82 of 137 FINANCE CHARGES Flnenoa Chege Daily Periodic Rata Caresp, AwnOe Deily Due To Transaclon Aewnxlated FlNANCE Category 30 days M cycle APR Bdanoe Pariodk pets Fee Rn Charys CNARG 69 Purdteass V .02737% 8.66% f6,636.03 354.4e f0.00 50.00 f54.4e Cash advaness V .0647770 14.99% 50.00 SO.oD 30.00 SOAO 30.00 COMenience l'l1aCl{ V .02737X 6.e9K f7,520.22 fi2.4a 10.00 10.00 3/2.4a Statement for acoounl numbs: s~o,t ee3o zeal f,aDeoD New Babnce Payment Due Da1s Peal Dua AntouM Minmum Payment 5e,020.63 02/OSAD (0.00 (160.00 . Y.I. Yenr cheek peyeYe to: Chw CW 9anleae. Plwsa wrb annua encbsW. Nw iderwa a •md? Priv on dtlc. CHASE Q I wam b~,rm.a ~~ gpICaahn1a~.. ymel~tr~0~~rTol Dladpst~irw on beds d teen 540168302641909000D360DDOOi3020535767255 ram eex zottYc ANNETTE M HARRISON SHIPPEI 9BURG PA 17257.8727 I r..l l I.I„L .I. I.. I..I l r r.l.l...,11.1.1...11..1.1...11..11..1 CAR DMEMBER SERVICE PO BOX 15153 WILMINGTON DE 10906-5153 IoJllodrdrL6ld..dLL•Irr.Lr611..rb.dl IL....LII e:5OOO i6O281: 20930 264 i9O9O3M OpatinyQoairq Dde: Peyrnera Due Date: Afrtimum Peyrnant Due: 12/12Ne-O7/11PoD CUSTOYER SERVICE 02A15/OD Dt U.S. 1-e0a231-256D 5/60.00 Eapalbl 1-0De-4e6.330e TOD 1-e00-D65•DOIiO PaY OY photo 1-tq0.436-7DSD Oubide U.S. ®II twllact MASTERCARD CARD SUMMARY Accent Nurtrbar : 5{01 9D302d1/ DODD 1.302-SD4-e200 Previous Bdenc9 E9,102 98 Total Credit Lira payment Credits -5200.00 Avdlabk CreOit Ptrdteses, Cadt, Dedts 564.14 Csah Aocees Una Finance CherBee +563.51 Avdlebb br Cant New Bdanw .020.63 ACCOUNT INQUIRIES (13,200 p.0. Boz 162De ES,17D Wilmrt0lon, DE 1D950.52D9 52,fre0 (2,640 PAYMENT ADDq E38 P.O. Boz 15163 Wmm~Dlon, DE 1D9963153 V181T US AT: $NFFT7 YACTCRf`E,RI]RFWAROS CIIM~AR r7awoua Nabde Blanca V To relearn year Sheen Rewards Re0ates Eamad on Shaetz Purchases 5200.68 50.83 Cdl the nuntba on rie mdt of you card or loD an to Re0aYa Eamsd an Purdteaes 00 50 www.dtese.mm 59.72 Rebates Dw To EaPre on statamem in April. 200D . . Curtem Rebate Total 5201.4D TaaNSACnoNs Trero Dale Reference Number Merdlanl Noma or Treneadion Deevi b M~m p n Credn Debit D93 a O6 3 000 01yD2 10020020¢OOOODI DOD92671 t Thank YOU Eketratic CNt o ss 2eoDDO7ooo es s 200.Oo 26.73 FINANCE CHAR(iE5 Firnrtce Charge DaOy Pedodc Rate Corresp. Avere{1e Dl1Y Due To Cata0ory 31 days in cyds APR Treroeclon At:wmlalsd FlNANCE Belarta Periodic Rene Purdlaees V 02532% D Fee Fn Charge CNARp® . .24% (6,573.03 f51.5D Cant adVanCee V 05271% 1D.24% 5D 00 (0 00 50.00 EO.DD f61.6D . , Cornertience dtack v.02532X D.24% f1.51e.13 f11.D2 50.00 (0.00 (0.00 50 00 50 00 Total linanee dwpea . . S11.D2 (63.51 Ewecllw Amwl Peroerllatle Rafe (APR): D.24% Reese tax Imormellon AooN Your Aocant aeNOn for Delany c ompulelon ntettto0, The ConaepondirtD APR is 1M rime of irnared YOU PeY when you car a b l Brace period, and other Ireponrtm imonttalon. ry a ance on a The Etleeevs APR repreasnts your total linertce cnsr0ea - indudn treroa e f ny taneaaion cme0ory D c on ees cult as cash advance end belertce trerofer rase - ezpeeaed u a ereerne p 8e. MPORTANT NEWS Switdt to paperNSS statsmama arq hdp kwp our panel Dreamt IYe Dood for the enNrorxnem. Simpy ce9 rie number on the beck of your Shaetz MaderCard to rapider with oro of ou apadaNSts. We eppredate your Dusnasw Thank you for beirtD • valued 3hee¢ Cuabmer. 8160278 Thte Statemerrt Is a Facsb>rdla - ypt a17t o5'1$1r]tal mocadt crs:uaasea ee.zt wAw racer ontooooaaomtalma x mm wa+asw aoo a z 1 t oaocfr '.,p. t il t 76 of 137 P.ym.m Dtre Dtna Nsw Belem Pot Dtrs Amour MnYnum Payream ~~ 56.446.50 SD.96 516100 Axaptt ItYlllbele: 5601 6830 2661 6060 iieY yev dretlt peyeWeto: Clteae Crd 9wbr. - Plwee eras errotea erweovad. Nate etlereea or eKrwi? Pml on betlr. CHASE Q 54D36830264190900001880D00134485D0000006 tr es trot z OUw c ANNETTE M HARRISON 110 VAUGHN RD SHIPP NSBURG PA 17257-0727 1.,,111,1,,1„I, I.,I.•11r,ri.I,,,,Il.l.lr..llr,l,le„il„II„1 CARDMEMBERSERVK:E PO 801( 15153 WILMINGTON DE 1Y666-5153 1:500D L60 281: 209 30 2 64 19090 3w Statertwtt Date: 01/12/Oa-OV11,aB ~, yMa. yOV eecounr OllaM. a6nlmurn Payment: 5106.00 ~ Payment Oue Date: 03/06ga AdeltlenY oora.e nrem.a., ACCOUNT 8UMMARY MASTERCARD AeeourH Number: 5401 6630 2641 OD"'~"1PAW I0C'1°e O11eNfve age Prsvtow Balanw $6,020.53 Total QadN Una 513 200 Payment Cretlits -5760.00 Puohoo, Cash Datiu +5522 76 , Awiatle CradO 54.751 , . Firtenfs Chayes .566.21 Cash Aocaes Lino 52.840 Avaletle for Cash 52,640 New Baland 8,446.80 SHEER MASTERCARD REWARDS SUMMARY PtsMOw Rabe» Balance Rebelee Erred On Pudtaeas 5201.4e To ndearn you Shaelz ReteeNe Doutle RetxNS On Grocery, DhlnO, end TreVN 53.ea 52.46 all iM number ort the beck Ol you CaM W lop onto 56.72 Rebelw Duo To Expire on statemtrtl in April 200a www.tfiaea mm CUrrem Rebels Totd 5207.84 . . C U ACTIY Y Data of Traneeceen llivrrhttnt Names T i 0?/06 or rtneae m Deeeotktn Ptiyntant Tttsrtk YOU 6earortic Chk ;~$~ 01/14 TURKEY HILL f263 060 SHIPPENSBURG PA -160.06 01/1B SUNOCO SVC STATION SHIPPENSBURG PA 1000 0125 WM SUPERCENTER SE2 SHIPPEN3BURG PA 2a 14 01/25 SUNOCO SVC 9TATION SHIPPENSBURO PA 245.>b 01/26 GRC•OM Veriely 677.635.0075 NC 27.20 0126 KMART B76B SHIPPENSBURG PA 1473 0126 ORC'DM goola 800-6213550 CA 5767 02105 LATE FEE 68.85 07/06 3UN000 3VC 9TATION 9HIPPENSBURG PA 3B 00 2e 27 FlNANCE CHARGES France Chaps Trertsacion Deiy Perio6c Rata Corrsep. Category 31 days In qds APR Awrapa Ddly B l Oue To P Fee/ ACwmuleted FlNANCE a ance erlotllc Rate 3ervia CharOe Rn ClterOe CHARGES Pudtmo V .02532X 0.24X Caelt advartCO V.08271X ta 24X 56.798.47 50 00 553.29 50.00 50.00 553.29 . ConvenisnaMteck V .02532X a.24X . 57 620 06 50.00 511 at 50.00 50.00 50.00 , . . 50.00 50.00 Sll.a3 TWV mend rlreryes 565.21 EHeeWe Mnual Perpntaye Rats (APR): a.119L Please sea kdormatbn Abprl You AOCOUm vsgion for balance cartgna8an rnattod, Orece period, entl offer important infonne0on TM Correepondirg APR is ih9 rats of Intsroq you pay when You drTY a belana on any tnrnacion ®te0ory. The EtNrzlw APR rep+eeems you blal inarta ChYOO . Intludirt0 tenottion fees such as ash advenoe arts bder,rr Lately lase - e:peeved ee a percentage. I Switch to pepenem ataternerne arM help Keep otr panel Oreenl It's pootl br ate ertvirormeM. 3lmply call the number on tM back of yov SMat2 MoterCartl to repulx +wlh one o1 ov afzdelieie. We appradeta your buvinaea $ ~ C Oaf 90 Thank you for being a vdued 3heatz Cwbmar. This Statlsment is a FaCSNnile -Notutc5iyl~i moooo+ -teatats ca mo x z ++ trutn t r + e t 7C aoaa 4• owr rUt,.u ,rea o.zt aomo»aotream 72 of 137 f+ayrlrenl Dw Dab New Brans Pant Dua Anaum Mnkaum Peyrtrrn ~~ (0.3x1.53 E0.00 .167.00 AeoourA iwiebar; 56016630 2617 8000 . slab yarerat payaMa to: Ohaaa CW 9rrleaa. Pkau wrb arrant enroaod. Nary addrwa a aural? Prht m hatl1. 54D16830264190900D0167D00083815358D7848 nux trlac z alooa a ANNETTE M HARRISON 110 YAUGHN RD 3HIPPENSBURG PA 172579727 CHASE Q IG m b Dllydl~h p d0 ~ ppllaannaf°wP`iaad 1nau a Dieacaures on back ttsn. 1.1111LI1drrLLJrdlod.L...ILIrL.116r1dr1111o11111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON OE 19886.5153 L1Jlb..1.1LLLLLrdLL1L1.1111.ILnIr1JIIL1.1dJ1 1:5000 L60 281; 209 3^ 264 190903aa Statement Dale: ozn zro9 - x3ttlAte H M•Mpf y0v 0aa0e1K 011911!: alrYmun Payrtr~rt: 5167.110 waw lea.. aamaodr~-.. Payment Due Dane: I1VDPrrM welnanr oordaef Maerlratlon ACCOUNT SUMMARY NA97ERCARDAeeountNum4r:54010x302641 acnvsNtnryloatWmravanadm Previow Bdana 59,446.60 Totr Ged'n Une 573 200 Payment CrWib 5200.00 , Avaletle CraOh 54 x18 Purdrasea, Cash. Datite «f73.39 , Cash Aeaaa Line 11 320 Finance CherOee x560.64 . Avaiatle for Cash 51,320 New Brans 9,3x1.53 SHEETZ MASTERCARD REWARDS SUMMARY Pre110w Rebate Balsnca 5207x4 To roMam your Sfteatz RewaMs Reba1M Earned on 9fterZ Purd+eses 50.27 cell the rvnher m the ixdr Rebataa Etrrwd on Furdtasea 10.22 0l yotr card or b9 on 10 59.72 Rebate d,e To Expire on ralemem in April. 2009 www.drase.am. Currem Rebra Told 520x.33 accouN Ac Iv Date of Trarww-Yen Merclran Name or Trenaedian O od 02127 eeor on Peyrrwd Tlrernt You Begrorrc CtYt a~lOO( 400.00 07!11 SHEETZ 00000003 SHIPPENSBURG PA 8.91 02117 SUNOCO SVC STATION SHIPPENS BURG PA 15 05 03108 BON WORTH a the GETTYSBURG PA 21 a6 03/08 SUNOCO 3VC STATION SHIPPENSBURG PA 27 54 FINA CE QES Rnance CharOa Traraection Daffy Periodc Role Carreep. Average Deily Dw TO Fee/ Acarnulaled RNANCE Cdepary 28 tlays in qde APR Baknae Periodic Rant Service Charge Fn Charge fYfARGE8 Pvdtasea V .02632% 9.24X 56,x97.60 548.90 50.00 E0.00 $49.(10 Cadt edvanCBe V .05271 K 19.24X. 50,00 50.00 S11.9x 50.00 50 00 Conwrtianaclradc Y ,02532X 9.24X 57,515.48 570.74 10.00 E0.00 . E10.74 Totr finny cherpee 159.64 E/lectiw 4nnud Psroantaye Rata (APF1J: 9.24X Pleeee eee Imonroxon Ahout Yaw Aocatnl eeaion for Oelance compulelion rnelhod, grace perbd, and offer irtponent iMortnation. The COrroapOndinp APR is lhs mb of intereei you pay when you arty • balance on any lrernetaon als0ory The Etfediva APR repreeema you btd inane rriarpee - ndudirg treneeabn fees . such ea aeh advance an0 brans tenter teas - sxprewed se a perarnepe. IMPORTANT NEWS Saildt to pepedees alelemerds ant hrp keep our planet 0rNn1 Iys good br eta ellvironmant. 9irnply crl the nufrCer on the betlr of your Sheri MaetarCarO to register with one of orf epeddire. We epfxadete your bueinens. thank you tar being a VrllBd 9heelz Cwbmer. 8160278 ~r~a Tb1s Statement Is a Facsimile -Not an orlglnal X ea"arVriileib ~'Ea MG.,(r.,~rr ngNt. 11prTSt aesn wwrraoz ore ooooaoooarmza 80 of 137 P'a'yrne~rh Dw~D~M New BDlence Peat Due Amount MlnNnum Peyrnent U 58,540.16 50.00 5227.00 Ac~yew,owN nunlbar: Sr107 Q83D 1617 foOYD `Y IYIr year eMek payable to: Cbaaa Card 9wbea. P W se wrr anpralt andosad. New address a sarwf? Prat an adr. 54D1683026419D900D0227D0008540455825717 aaev epx z tnta c ANNETTE M HARRISON 110 VAUGMN RD SMPPENSBURG PA 17257.8727 CHASE Q I warts b ourrrtdtetrY~ oDatico1twl pPolCaafnnml~PYroymenldlect s e Diadosures on ft d Onlit~. 1,r,lll,I,.1.,I, I.,la,Ila„I,Ir,,,ll,ldro 11,.1,1.„Ilr,ll„I CAROMEMBER SERVIC E Po aox 1s1s3 WILMINGTON DE 1D066-5153 f:5D00 160 285: 2D9 30 264 19090 Sae Statement Data: 03/12/OD - OV11ND AIIrYmurn Payment: (2]7.00 Payment Oua DaBS: 05!0608 H fiMDe yer. aecaunt en8ne: l~amLtr.9t>1ffY11d5Ga[4l Ad4ltlanal osraaC Horrrrean ACCOUNT SUflMARY f1ASTERCARD Axwnt NumWr: 5901 8830 2691 CD^Y°M1°"A' loca[M on reveres as Proviow Balano f8.361.53 Total Cratlil Une f13,200 Payment. CrWite 5200.00 Avslade CrMit 54,658 Pudtasea, Cash, Delta +5255.43 Cash Axess Lna f1,320 Finance Cherpe6 a5103.4e Avefadeior Ceeh 51,320 New Betenas 6,540.45 SHEETZ NIASTERCARD REWARDS SUMMARY Prwiow Rebate Balance 5208.33 To redeem You SMMZ RewaMe Rebates Earned an 9tteelz Ptlydltaea 51.00 cell its rxlrttber an Ors belt Rebelw Earned on Pudteses 51.15 01 you ®rd or 100 onto Double Rebates on Groo.ry, D'nirg, end Travel 51.15 www.dtaea.mm. Rebates Eltpied This Period 58.72 f 14.74 Rebates Dua To Expiro on statement In May, 2008 Curem Rellese Tole) 5202.91 ACCOUNT ACTIVffY one m MrMdrent Name or Treneadt D i o 04/06 on een nn t Payment Thank YOU Elelaroric CNc ~~1 -200.00 03/11 SUNOCO 3VC STATION 3MPPEN38URG PA 2B 00 03/18 WM 3UPERCENTER SE2 SHIPPEN3BURG PA 114.59 03/18 SUNOCO SVC STATION SHIPPEN98VRG PA 20.66 03131 SUNOCO SVC STATION SHIPPEN38URG PA 20 00 Od/OS IATE FEE 39 00 04/OD SHEETZ D0000703 SHIPPENSBURG PA 33.01 FINANCE CHARGES Fnance C11ar0e Trorreacfon Defy Perio6e Rne Careap. AvereOe Deily Dw To Fse/ Acarmuleled FINANCE CateOay 31 tleys in qde APR Balance Periotlie Role Service Cherpa Fln CttaOe CHARGF9 Purdtasea V .03801% 14.21% 57,035.88 565.08 50.00 50.00 585.08 Cash advareae V .05271% 19.24Y. 50.00 50.00 fD.00 50.00 50.00 ConveNenoe cYrsdc V.03D01X 14.24% 51,521.46 516.10 50.00 50.00 f1B.1o Total finance dav0as f1 D3.4B ENectlva Artnud Pweantape Rats (APR): 19.29% Please see Irdonnatbn Abeu1 You Amoum twdion for Octants eompulation method, 0reos period, aM orier important IMOrmalion. The CorreepondinD APR is the rata ollntaroal you pay when you ®rry a balen® on any tronaecaon ®lepory The Etbgivs APR reprewms year brat frlarN:e dwpea - ndrWinD trortsedbn tees cult ea meh advance and balnce tender lees - ecpeaaetl ea a percemage. 8160278 This Stater7felri la a Facsknlle -Not an original OOOeoot F18Siata C3 aDe N Z 11 oeMAr rp.r ~1 ea,21 GNw 2eW7 1WIODepNpeaTeeelOr ); 0)p IN919aN 18 01 137 Payrnarrt ow Deb New Brenw Put Due Anwunl Mnkntsn Payment O 5e,eea o6 50 0o to.oo AcQQeouH yrr~ylbar: 5+01 6630 2011 9010 `P wl. Yeur elteeM Pq.Ye a: cline c•r4 9arvbes. PNSe wrb smant enNOSed. Her eddresa oremJl Print an 6etk. CHASE ~ 540368302643909tTD00D0D0DDDil999D80DDD009 ta+a trot z rata c ANNETTE M HARK ISON 110 VAUGHN RD SHIPPfN3BURGPA 1 72 57-072 7 tr„I11,1, rir,i, t„ir,ll,,,l,l,r„Il,lrl,•,II„1,1r„11„II„I I,., Il 1,,, l r, 1, (r l.l, 1, ,.l I.I,.1,,,1„I, I I,., I., .11 II , ,. ,, I, I I CARDMEMBER 9ERYICE PD Box ts159 WILMINGTON DE 1DBB6-6763 1:500D L60 28~: 209 30 264 i 9090 3w SlBbmerll Date: 04/72lO9.OS/t1fi9 g sbneys yar smaunt orWne: MNmurn Paymstt; 500 ~ PsymaM Oue Dsb: OdO5A9 Aedllf•nsl oereaat Intortns6an ACCOUNT SUdINIARY YASTERCARD AccduM Number: 5401 6990 RM1 oonvewenty tared m 1PVe'e ^a PreriOUa Bslenw 56,640.46 Total GtWh Una 513,200 - Payrtwnl, Gedib -5300.00 Avaiatle Gedit 54,200 Purdteees, Celt, Della +$563.21 Cash Aewta Lne 51,320 Finenw Charges x5195.42 Avaiatle for Cash 57.320 Haw BWenw 6,999.08 The new APR and promoliond rata mtpim5on retleclsd on etla slalemem is a suit of a late payrtwnt on your axotm. Fa your eonver:anw, You can always PaY oNina by acwaeirtp otr webtite depleyed on this atabment. SHEETZ tAASTERCARD REWARDS SUMMARY Precious Rebels Bsbnee 520291 To redeem your 9lbelz Rewards Rebalaa Eamed on Slbelz Purrhaeea 52.07 cell the number m the belt Attbals Eamed on Pvdtasae 54.30 of your wrd or log on to Doutle Kebabs on flrooerY. Dnirg, nd TravM 52.68 www.dbae.wm. RabeAea EtoFtirsd Thb PerVOd 514.74 527.23 Rebates Due To Expire on slaternertt in Jlne. 200a Ctrrem Rebels TOtal 5197.23 ACCOUNT ACTIVITY Data o1 Merdtent Noma or Treneeaion Daeootion 5 ~gp1 04!24 Peyrr,ani ThaNc Vou Eledrortic Chk , -300.00 04/12 MOUNTAIN GATE FAMILY R WAVNESBORO PA 112.66 04/14 SUNOCO SVC STATION SHIPPENSBURG PA 34.40 04/22 CLAR109 9696 HERSHEY PA 99 96 01/22 SUNOCO SVC STATION SHIPPENSBURG PA 31.66 D5J03 SHEETZ 00004010 WAVNESBORO PA 32.67 05/DB MAPLEWOOD PRODUCE AOP9 9HIPPENSBURG PA 60.60 05!09 SHEETZ 00000703 SHIPPENSBURG PA 35 77 05/09 WMSUPERCENTfR SE2 SHIPPEN3BURG PA 155.25 FINANCE CHARGES Fnance Cnsge Tmrtsec-on Daffy Periodc Rate Correap. Average Daily Due To Fes / Acarmletsd RNANCE Category 30 days in o/de APR Babnce Periodic Rate Senc~a Charge Fin Cltarye CHARGES Pvdt[bas V .07463!: 27.24Y. 57,200.59 5161.21 50.00 50.00 5161.21 Cash advarteee Y .0746311 27.2414 50.00 50.00 50.00 50.00 50.00 Contrerienw cMti< V.07463Y. 27.21'Y. 57,527.79 534.21 50.00 50.00 534.21 Totd fnenw dbyes 5195.42 Etbetlve Annual Mranttge Rsb (APRj: 27.?I% PleBSe see Irdonnalbn About Your Aaoum section 1a bebrtw corrpine0on method, grew period, end over impomtnt Irtlonttatbn TM Corresponding APR is trb cab of interest you pay when you wrrY a Ddenw on any irartetaetion category. Tne ElbWve APR repraeeras your tool arbrtcs eherges - indWing Vansad'an tees sunk es ceM advanw and balanw Yeneler lase - eapreeeed ee a peroantepe. 8160278 This Statement Is a Facsknile -Not an original eoaooot Fre:+3aroca oso w z +t avm~t rq•trz aeon ueuutaa wrtaoooowwraxza z~ 14 of 137 Paymarn Ow Data Wear Bdtnw Past Dua Amoral Wlnknus Pay+sant ~~ f6.az.o1 fo.oo s3otoo CHASE Q Aeeo u t A ron Rb~r 5~07 QB70 261 90Y0 l - - ~ ~ Q. ~ a}1 wlr Year Macy peYeW N: Cbw C~a 9wloaa. PMaaa waa ancun[ rxidoaae. Naw aedraea v -mal? Pant on Oath. 5401683D26419D9000030200DD9D4201000D001 ANNE~ITE aHARR190N Irrr~~~r~u~n~r~u ~u~~ur~r~rwQr~r~nr~tu~r~nr~~u~~u~ 170 VAUGNN RD 3HIPPENSBURG PA 17257-0727 CARDMEMBER SERVICE PO BOX 15153 WIUNINGTON DE 16e66-5153 ~o~~t~ru~u~r~rtr~rtnr~~r~n~nr~n~r~~nr~nrt~~~aur~r~~ x:5000 L6028t: 20930 264 L90903tr Ststsmenl Date: 05712/06 -ON11i0Y ~1 H ~YMplyarameuntoNlna: I YlNnrum Psyresnt: i3oz.po ~ PaymaM Drla D.N: 07706 ACCOUNT SUMMARY AerM6pral oorlb4 k/waranan MASTERCARD Aceount Numfoer: 5401 6630 2N1 mnvanianry taptad m nrnrea aea Proviow Bdr,w PaYmenl Gadib 58,666.06 ToNI Geda Una 56 300 Pvdtases, Caeh, Debits 41500.00 x5330 50 Avalad•Gadit , 5257 Finarrw CMrgae . .5212.43 ~ Cash Acwee Line Avalade for Cash M30 NaW Bdanw 8.042.01 5257 SHEETZ WISTERCARD REWARDS SUMMARY ProWOtb RaOSN BWrlq RabsAw Eamed an 9heelz Purolteees 5167.23 To rodesm Ycrr Shealz Rewards Rebates Eanbd on Pvdlsses i1.7e f1 66 ce0 61e rwnbar on rie barb Doude Kebabs an Grooary, Dining. and Travel . 51 66 of yore csrd or lop onto ReOalas Elgried Thin Period . (27 23 www.Oteae.wm. f 10.17 RebaNe Due To E >~Iro on sbtemertt in July, 2606 . Currom Kabala Totd 5175.76 ACCOUNT ACTIVITY Dale of TID[IOb' 1p11 Mertll f N ' en i s - or Treneemon Deevot - 05/31 Psytnam Thank You BearoNC Chk 5.~1~11 05/10 SUNOCO SVC STATION 021 CHAMBERSBURG PA -500.00 OSI70 ORIENiAI BUFFET SCOTlANO PA 11.16 OS114 WM SUPERCENTER SE29HIPPENSBUR(3 PA 21.61 D5/13 SUNOCO SVC STATION SHIPPENSBURG PA 176.46 05/15 SHEETZ 00000703 3HIPPENSBURG PA 16.00 OSh7 3HEETZ 00001781 CHAMBERSBURG PA 36.65 06/28 SUNOCO SVC BTATION 3HIPPEN3 BURG PA 20.01 06/09 SUNOCO SVC 3TAT10N EXTON PA 23.00 24.10 FINANCE CHARGES Fnanee Charge Defy Periodc Rate Carreep. Average Deily Due To Trerbaefon Fee/ Acaarulated Cdepory 31 deye in qds APR Balance Padodie RaN Service Charge Rn Ctbr • P FINANCE CHAR urduaea V .07463% 27.24% 57,636.76 5176.75 Cwh advaness V 07463% 27 21% p 50.00 50.00 GES f176 76 . . 30.W CMWrtierlw cheCA V.07463% 27.24% ~.~ 542 51 16 535 66 x.00 fO.UU . 50.00 . . . Told linanw rllen>w 50.00 50.00 535.66 u 12 43 E1teeUvs Mnud Pareantps ReN (APR): x_24% Pleeee see IMOmblbn ADoul Your Av:oum eeaion la bahnce conqutalion method. prow period. and orier inglenanl iMoenation The Correeponrfinp APR is 1M reb o1 inbreat you pay when You Cary a bdanw on any trenaac6on wtepory. The E7letliva APR repreaams your btd irtenw Merges - intludinp trenaenbn teen eudt es aw advenw and bdanw tender 1986 - ecpree6ad ee a percentage. 8180278 Thls Statement Is a Facsknlle -Not an orlglnei 7e00e01 fl631116 C 3 000 N Z 11 Oagn t z Ole]W919aW W819l71 Praa1 d1 OatZl ~ W 3061 1621 0eppgppp9rlyq 78 of 137 Payrnarrl Due Deee New Bdanw Peat Dw Amount wnMnva Payment ~~ fl, 141.60 (0.00 f2l0.00 AlxofrN number: 5+01 Q8301tB41 0000 . M.b yev arras P.y.ae te: a,... c.r4 l.nlen. Pbeee wrb errant endoeee. New address or -mH9 Print on 6edr. CHASE Q 540168302641909000D296DOOD91416D0000004 azs eec z /e1De e ANNETTE M HARR130N 110 VAUGHN RD SHIPPEN38URG PA 17267-0727 I,.,III, I„I,,I.I., I., I1,,, I, I,,,, I I, I.I...II,.1.1.,.I I..I I,.I CARDMEMBER SERVICE PO BOX 15753 WILMINGTON DE 10886.5163 1,.,8L„L,Id,LR~,.e`Ik1,af.,6,i.11,.,1., IIIIL,.,,LII r: 5000 160 287: 209 30 2 64 i 9090 3!` 3fetament Date: oG/72/0! • onnA! H ~Mle yolrr eeeeulK plNlle: wNmum Paymarlt: S2B0.00 ~~ Payment DYe Dale: 00.r0&D! Aaaaalr esrr.a elrarnrua, ACCOUNT SUWINIARY YA5ITERCARD AecauM Number: 5407 aB30 2041 `onven~lly rD~~ on ~~ sid• Prwtow Bdanw 8,1742.01 Told Credit Line 8 300 PsYment Credits 4302.00 , Avdeds Credit (156 Purdlasee, Cash. Dedte +s1l6.l0 Cash Acceee line fa30 Finartw Ctleryee .5204.8D AvsiatYe for Cash f156 New Bdnw ,141.60 SHEETZ tAASTERCARD REWARDS SUAAMARY Prevtoue Rebate BalarlC9 (175.76 To redeare your SMelz Rewards Rebates EamW on 9fbesz Purctteees 13.47 cell the rttmber on the beck Rebates Eertrd on Rrdltfsw (0.42 of yov card w lop on to Double Kebabs on Growry, DilinO, and Travel f0 42 www.dleas ram Rebalee E:~ired This Period (10.17 . . f 14.82 Rehabs Due To Eire on ebbnlarll in AuOusl, 2006 Ctrrenl Rebels Totd f16Q l0 ACCOUNT ACTIVITY Dale d Trereu,neon Merdlent Name or T i D T OT/04 renead m ntion Payment Tharec YOU Electronic CNC .~1 06/18 SHEETZ 00004010 WAYNESBORO PA -302.00 06/22 SHEETZ OOOOOOP3 SHIPPENSBUiiG PA 27.01 14 80 06128 SUNOCO 3VC STATION SHIPPENSBURG PA 06/30 SHEETZ OOOOOOP33HIPPEN3BURG PA 20.01 .07/03 WM 3UPERCENiER 3E2 WAYNESBORD PA 2321 41.87 07/03 SHEETZ OOOOOOPS SHIPPENSBURG PA 07/05 SUNOCO SVC STATION SHIPPENSBURG PA 50.00 20 00 FINANCE CHARGES Rnancs Chrle Trerlaacton Daffy Periodic Rete Caneap. Cals o 30 d i AvereOe Daily Ow To Fee / Acaunlsbd RNANCE p ry ays n qde APR Balance Per117dic Rsb Serviw Charge Rn CharOe CHARGES Purdttssee V .07463X' 27.24X Cet7h edvarlcee V A7463X 27 21X f7,5a5.73 00 (0 (170.06 (0.00 (0.00 (170.06 . Canvertienw check V.07463X 27.24X . (1,548.62 8.00 (34.63 (0.00 f0A0 (0.00 (0.00 (0,00 (34.63 Totd finsnw dteryes (204.69 EfNetlw Annud Perpntape Rafe CAPRI: 27.9496 Please see IMomlalion About Your At>ralm section for balance conyulation method, prow period, ant other imporlanl inlonnetion The Cwreepdndnp APR is the reb of intered you pay when You carry a lxlanw on any tlellsecfon wtepory. The Etbctive APR repreeares your total irertee Nrryee - ind W irp irlneaclbn taee such ae web advanw end balenw render tees - expreasetl as a peroentape. 8160278 This Statement la a Facsknlle -Not an olrtginal OD0000/ FrS1.V6 CJ 000 M Z 11 OeerAl ~~ ~.1 d1 ee.21 .IA \111 a2N 1e110000agOtOt2ra S of i37 Peyraera Dw DIM NwvBdna Ptpt DueAmoum Ynlmum Peyrnertt I~ S9a1o.7t So.oo s3aan Ae@@oowrt rrNllb9r: SI01 08310 2691 so0p0 `P W4yev aMd[peyereb: cn..e cero twvle.e. PMSerrres nrrtotre endoesd. WMeddrttp Or t.mel?' Prelim beet. CHASE Q 5401693026419090D003587100931D71DDDD007 ama eot z aaa c ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG PA 17257-0727 6tJILItrLtLL.1.dLnldortlLldorllydtLollttllt.l CARDMEMBER SERVICE PO SOX 15153 WILMINGTON DE 18886-5153 ir.rlllrrrittltitl.itl...II.Ir.Itrrl..I.IIt.t1..tNllrr.trlrll 1:5000 i6O 281: 209 30 264 i9O9O3w 9latarnttm Del.: o7n2ro9-oe/1ta9 g Mnepeyetr.m.untenene: ANNmtell Myment: 5369.71 enrw enm mrrJslelJ Payment Due Wle: W05109 AtMeenM oottleQ Yttwntetlse ACCOUNTSUYYARY YA9TERCARDAtxeuntNumber:540189302841 aonvvrienty1oC~e0a'rPY°r'°'tli Provlous Bdna $9,141.60 Told GedB Line $9,300 PeymanL Credib -f300.00 Awlede Qedll f0 Pvdtasas, Celt, Detiu +5252.28 Celth Acaes Lne 5930 Firrerta Chagas .5216.93 Avfletle for Cash fb NNV Bdna 9,310.71 SHEETZ MASTERCARD REWARDS SUYYARY Previous Rebels BWna (169.90 To rodsam your 6heetz ReweNe R4bmae Earnetl on Shatz Purgtews (0.83 cell iM number otl the bark Reb>da Et1rnW on Pudtasea (0.69 01 you ardor lop m to Dwtle Rebates ttn (moeery, Dnirg, rid Trawl (0.47 www.tireee.com: Rebates Etg7ie0 Thin Period 574.82 f 11.15 Rebates Due To E~iro on emtemanl in September, 2009 Currem Rebels Told (757.07 ACCOUNT ACTIVfTY Dab d AABrd1M1 Name or Trentmtritn Deetrntien 08/08 PaymenlTharik YOU Bsgrplic Ctlt Edmpl[ll -300.00 07/11 GIANT FOOD 6061 SJ6 SHIPPENSBURG PA 18.58 07/11 FOOD LION 60856 34C SHIPPENSBURG PA 27.17 07/11 SUNOCO SVC STATION SHIPP EN96URG PA 29.71 07117 SHEETZ 00000703 SHIPPENSBURG PA - ~ 2742 07128 SUN0003VC 9TATION 3FIIPPENSBURG PA 30.01 0726 SUNOCO SVC STATION 3HIPPENS BURG PA 20.01 ON28 WALGREEN3 e9000 003 CHICAGO K 21,97 0789 OVERUMR FEE 3g 00 OIVOS IATE FEE 39.00 FINANCE CHARGES Frtanea Cltrpe TrortsaeYOn Oeiy Pariotic Rale Corresp. Awrpa !)ally pus To Fee / Aearmt4aled RNANCE Cetpary 31 days In gtle APR eabncs Periodic Reb Service Chsrpe Rn Cftspe CHARGES PtlOtsrtea V .07463% 27.24% $7,821.06 f180.94 (000 (0.00 (180.84 Ceeh BdYancee V .07463% 27.24% (0.00 (0.00 (0.00 (0.00 (0.00 Canvertinat:hodt V.07483X 27.24% (1,551.4} (35.89 (0.00 (0.00 (35,89 Totd tinny dterpes f2i6.83 E1beUw Annul Percentile Refs (APR): 0.3!4% Please see IMOmmtion About Your Adcoum eeclbn tar balance corttputtnitxt method, prow perlo0, end offer Imponnl inlonrrelion Th- Corroepondinp APR ie IM rats of interest you pay ttetn you any a belena on enY trorteaclon atepory TM Etkctiw APR ralmserns your fold irtarte9 rJtrpas- indtAinp Vnsagbn tees such ea atYt advena etltl bdna Yndar tees - sxpeesed as a ptNCenlapa. 8160278 This Statemerrt Is a FacsMnlle -Not an orlglnal 000000/ F1833Ji5C9 000 N Z 1t 0eAM1 Pgrrt dl Obt21 WW0~3 0Ze0W000000.02aSM z~ 22 of i 37 Payment Ow Dala Nsw Bdsna Peel Due Arttoum Yklleaum PaymaM 1UrON0i s9,z6O.07 SD.OO 530100 CHASE Q AeeoWil illailber: 001 083D 2d/7 saOYD . Ya1r yaw easdr MyaYS ts: praaa Card Barvlau. PMaea writ arrant arrolowd. NMV addraaf v anral? Prid on 6adr. 54D36830264390900D0303D0009280D70DOOOODDOODOD00 max Boc z 8x88 c ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG PA 17257727 I,.rmri..~.,~.i.r~..n.r.ir~..rrn.i.~r.rnr ri.~.rrnr,u.,i urn~nr~n~r~r~.~r~n.~~.~u~ur~u~r~~u.~n.nnunx~r~~ 9:50OD 16D 281: 2D9 30 264 i9D903aa Statsntant Dale: oenzro9 -owl lag Wnknun Paynwn: ;3W.00 Paymam Dua Data: /O/OaIW ACOOUNT SUMIiIARY Aeeeum Number: 5901 6630 2641 Prsl+ous Baance 59,310.71 Told Credit Line 50,300 Payntertt. Credih -fs10.00 AvaiadB Credit Ste Ptrthasoe, Call. Debts +5568.60 Celt Accsaa Lins 5930 Finarroe Clwgeb x$210.76 AvBiable for Cs1h 519 New Bdenoe 9,280.07 CARDMEMBER SERVICE Po Box u153 WILMINGTON DE 10868-5153 fAMae yov aa:o9nt aralne: Addttland eeefaQ Ytamratlaa aonwrianayloutad m rwana ib SHEETZ AAASTERCARD REWARDS SUIiAIIIARY Prauioua Rabat Balance ;157.07 To redeem your 9lwetz RswaMa Rebates Eamsd On 9lxtnz Purdtaeea ;3.10 cdl tM number On the 6eW Rebates Earned on Ptrtitseas St 47 W yotr oard or lop on to Rebates E>¢~e0 Thw Period ;11.15 www.tlteae.cdm. ;8.69 Rebaes Due 7o E:parson Malamam in Oebbw, 2008 Current Rebate Told ;150 49 ACCOUNT ACTIVITY ® Blink7rarroaaion Date of Trertascien matt Name or Treneflvion Deavotien ~glpt 0611 D Payment - Thartk You -500.00 09N2 POTOMAC FAMILY PLANNIN ROCKVILLE MD -310.00 Oa16 EPAV FEE 9.95 Oa01 i6 HEETZ 09000703 SHIPPENSBURO PA 29.05 09/01 KMART 9769 SHIPPEN$BURG PA 46.51 DaD2 OSHEETZ OD000703 SHIPPENSBURG PA 4308 Oa02 POTOMAC FAMILY PLANNIN ROCKVILLE MD 100.00 D9/02 POTOMAC FAMILY PLANNIN ROCKVILLE MD 310.00 Oa07 SHEETZ 00000703 3HIPPEN9 BURG PA 10.02 Oa09 SHEETZ 00000703 SHIPPENSBURG PA 20.01 FINANCE CHARGES Fnence Charge Transaction Daly ParlodcRete COrreap. Awrpe Daily Due To Feel Aeomxlated RNANCE Category 31 Oaya In gtla APR Balance Periodic Rats Service Charps Fin Cflerys ptARGE9 Purdtases V .07463% 27.24% 57,580.67 ;175.38 50.00 50.00 5175.36 Cash advances V .07463% 27.24% 50.00 50.00 50.00 50.00 50.00 Converience check V ,07463% 27.241E 57,52813 535.36 50.00 50.00 535.38 Totd finance tMrgas 5210.76 Etlaetlve Mnud Parpntpa RaM (APR): 21,29% Please axe keorma0on About Yov Aoeaunl eedion for belanee cornputefion method, grata period, end ohar important information TM Correspon6rp APR is the refs of IntereN you pay wAan you ®rry a bdance on any kansection ®tepory The Efbctlw APR repreeems yov told irtertca charges - intluding lrenwctlon lees arxh es aM advance aM Ddanoe tansler lees - expressed ae a percanlapa. 8160278 This Statement Is a FacsMnlle -Not an orlglnal aaooom vrsaiaases aoa e z tt ooroenr rae•+u+ aaa nuw orase zsu aaoooaooam xsa z ~+ 38 of 137 Payment Dw DMe New Bdd+aa Pad Due Amount YlNmum Payment „A611D. te.s4a.4a 8303.06 1ea7.,a CHASE Q AoQoanl yMiIIIbN: SA07 6B3D 1617 tiOYD W Melw yetr el+sdt PsysMe to: Chase Crd Asnlsn. PNsse vMs sew+ra arrJOeoa. Nsw seareu a smsl? Print m Oed+ 54016830264190900D08974900954949D000OOOODOOD005 on+a sot z aa•oa c ANNETTE M HARRISON 110 VAUGHN RD SHIPPENSBURG PA 17257-0727 I,+,III+I+.I+.I+I..I.+II+,.I,I+..,11.1.1.., II++Iel.,.ll.,ll.+l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1x666-5163 L..IIIB+,L.LLI.id+ ~.I t.I+. L.+L+LI L..L.+n 11++...l.ll i:SDOD i6D 28i: 2D930 264 L9D9D3ee 3latsment Oete: Dan2/fie-1a11Na H atrN.a. reerecoani erWne: YlnYntan PaymdtL• 38Y7.4a Psyman Oue Date: it/06/Da ACCUUNTSUTAMARY Adeltlanel esntea Y/ernraaae Aeean,Nurnbr:54ot6e30264, aonwrimtlylccstWmrewraesids Provlotx Blond - Sa,260.07 Told Crod6 Una Se 300 Ptrdleeee, Gah, Detita .858.75 . Avaiatle Credit 8p Finance Charpea +3210.67 Cash Access Lhe 8930 New Baance .516.4p Avelable for Cash 1p SHEETZ AIASTERCARD REWARDS SU111AARY Previous Rd:ala Balance 8150.4e To redeem yoW SMetz Rewards Kebabs Earned on Sllaelz Purdteaes 80.80 call the number on the bark Rebalas ErneO on Purd+asss 80.00 of yolr ®rA or lop onto Kebabs ExpYed TTis Period Ep.Ba vrww.dlaae com 811.37 Rebates Due To Expire on etetemwtt in November, 200D . . Curtem Rebels TOtd E141.20 U A Date of IlaDttec1Q11 Mxa+ant Name or T ai D i i rense on aea N on 08/11 SHEETZ 00002634 CARLISLE PA ~~ 1 a ~ 1x08 LATE FEE 36 00 FINANCECHA OES Rnanee Cnarpe Trarteecton Daffy Periodic Rde Coneep Average gaily Due To Fee! Acan+aielsd RNANCE CeteporY 30 days in qde APR Balance Periodic Rab Service Cherpe Fn Cherpe giAA0E9 PuM+ases V .07463X 27.N% =7.853 56 5175.83 10.00 50.00 5175 63 Cash advanew V .07463X 27.24% 80.00 80.00 $0.00 50 00 . 80 00 . Convertianea cMdt V.07483% 27.24% 81,556.06 834.64 8000 80.00 . 134.6.1 Told finenoe chepea 8210 67 Et,ee1M Annul Perewnepe Rata (APR): 27.2e9G Pleeaa sae IrAOrmelion About Your Aotxwm eeaion for balance cmp+ndion method, preae period, end oher irnponent irdormetion. TM Correepondfrq APR lathe reb d Inlered you pay when You atrry a baance on any trarroaeion rata o 0 ry. TM Elbaive APR repreeerna yoir told trreroe charyee - hdudirp treneeabn tees sash as cash edrenos arW baance Yonder lase - exixamed as a peroamaps. 8160278 This Statement la a Facstlnlte -Not en oMglnal 0000001 FI8.11atl Ca 000 N Z ++ OMmI ~ ma P•e•+e+ aeu+ w.•u on+a zew oooocooooomem 136 of 137 Payment Dw DaN New BtYence Peg Dua Mount Mltdmum Pgnatrtt 12/OMO~ fa,esz.a3 ft74e.oo ft,otn0o AeQcounl number: bq1 1830 26h 808D W altl~ yore aMaa payeW N: Caw CeM :laraleaa. PMae wrb ennui Mdoaad. Naw addnp or rmeil+ Price on Wdr. CHASE ~ 54D1683026419D900D1D10000098520300000000000D003 on s trot z at ge c ANNETTE M HARRISON 170 VAU03MN RD SHIPPENBBURG PA 7 72 57972 7 1,.,111.1„1.,1, i.,I„II,,,I,1„r,llrlrl,,, ll„1, I,r, II„II„I CARDMEMBER 9ERYICE PO BOX 75163 riIUMINgTON DE 1VB66-5163 1:50DD L6D 281: 2D93^ 2641909D3e• Statement De1e: 1alvoa-1vt7aa aftttmum Payment: s1,910-00 PaymerA Oue Data: 17l06/Oa H WMea yOV aaCW1401W11a: txaw.eaac mmin.eacrea AeMasnJ asnbrt eMarrnetlan AcoouNr su~lluaRY AceaaH Number: soot ae3o 2sst aonwrartty lcaao m raven. t:da Prwtot» BWalce fa,Sla.4a Totg Ge0i1 Una fe,300 Purdtases, doh, Detlta aST6.00 Avaltttle Gedit f0 France Charger +5224.54 Cash Aeaaa L'ne fa30 New BelenOe QB52.03 Analatle for Ceah m Your credit eaM scsoutt is poet cue. Raew nand paymem inmetliately. Call t-600-855-8030 (mnaa 1-302-Sa46200) IoOay SHEETZ AIASTERCARD REWARDS SUItMIt1ARY Preview RebaN Balance 5141.20 To redeem your S7Netz Rawtuda Rebtdas EahNO on Purdtaew fD.OO can the number an the hedt Rebates Urrveilatls lac RadarripYOn f12a.63 0l yots card of log on to Rabalea E~irW Thro Period 111.37 www.dmmoom. 572.31 Rebates Due To EI¢ire on statement kt Dscembw, 200D Clrrom Rsbal-TOtd f0.0o acxouNr AcrmrY Date m Traneecion Merdtant Name or Tmsecllon Deeantbn ;~yu t 1105 IATE FEE 3g.pp 1 a12 OVERUMR FEE 39.00 FINANCE CNAR(iES Frtertce Charge Trernartion Daffy Partodic Rate Correep. Average Deily Due To Fee / Acartxlated RNANC~ Category 31 ceye In ryda APIs Balance Panoclc ReN Service Charge Rn CttaOe CHARGES Ptadteees Y .07163% 27.247: Ee, 113.56 3167.71 (0.00 (0.00 (167.71 Cash adVerx:be V .0746394 27.24Y. (0.00 (0.00 (0.00 (0.00 30.00 ConveNentr chaMt V .0746310 27.241E (1,581.96 ,(36.63 (0.00 (0.00 (36.63 Total trance atergee (224.69 Efleetlw Mnud Pareantepe Rata (APR): 27.249E Pleats sea IMonnatbn About Your AaouM eeaion for balance COnQutalian rnelhod, grece period, erM otter irnpOnenl iMOrmetbn. Tha Corroeponcirtp APR is the reN of inNreg you pry when you Cary a balanm on enytrertaeeton ®tegory The Etbaiw APR reprewMS your big irtence awpea ~ nduding transaabn leas each es cash sauna ono baance taneter teas -expressed as s percentatie. IMPOaraNr NEws Drees ota Crds, Tne Penes ciln AveMatle in any emoum tom fzs to fsoo. Aaoapted st ntilliore of louliorta wondttride. Oder oryirN at ehaae.corNOiftCardtJrdr a atop by a Cheee Brandt todayl. 8160278 Thls Statement is a Facstmlle -Not an orlglnal cooooot Fstvtaca o0o a z tt aantnt P,Sat at oeaat tar. w, one stet oooao7o0oarretxM y; met rtatua 32 of 137 • Payment Due Date New Balance -Alnlmum Payment ' rr ~ D„951,9 $,0,154.07 $1,010.D0 $,,374.99 CHASE Account number: 5401 683D 2641 9090 ,w Make your cheek payable to: yW~ Chace Csrd Servins. Please write amount encbsed. New address or e-mal? Print on beck. 54D1683026419D90DD13740001D1540700DDOODODDODD09 9,o916Exz3.6d9c 6rrIIlrlrrLrl,1,rLrllrrr171rrrrlldrlrrrllrrlrLrrll,rllrrl ANNETTE M HARRISON 110 VAUGHN RD CARDMEMBER SERVICE SHIPPENSBURG PA 17257-9727 PO BOX 15153 WILMINGTON DE 198865153 1:5000 X60 281: 2D930 264 L9090311• Statement Dete: 11l12I09 - 12!11109 ~ Manage your sccount online: www.chece, coMdadttcads Minimum Payment: $1,374.00 Payment Due Date: 07/05/10 Atldaional contactlMDrmatbn ACCOUNT SUMMARY Account Number: 9090 wnvaniarnly located on reverse side Previous Balance $9,852.03 Total Cred'R Line $9,300 Purchases, Cesh, Debits +$78.00 Available Credit $0 Finance Charges +$224.04 Cash Access Line $930 New Balance 10,154.07 gvailable for Cash $0 Tha drarge privileges on your credd card account have bean revoked. You no longer have the ability to use your cred'R card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1502-594-820D) today. SHEETZ MASTERCARD REWARDS SUMMARY Previous Rebate Balance $0.00 To redeem your Sheetz Rewards Rebates Earned on Purchases $0.00 call the number on the back Rebates Unavailable for Redemption $117.52 of your card or log on to Rebates Expired Thls Period $12.31 www.chase.com. $8.68 Rebates Due To Expire on statement in January, 2010 Current Rebate Total $0.00 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 12/06 LATE FEE gg 00 11!12 OVERLIMIT FEE 39 00 FINANCE CHARGES Finance Charge Transacton Daily Pedodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .07463% 27.24% $8,378.12 $187.58 $0.00 $0.00 $187.58 Cash advances V .07483 % 27.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .07463 % 27.24 % $1,626.51 $36.46 $0.00 $O.OD $36.46 Total finance charges $224 04 Effedlve Annual Percentage Rate (APR): 27.24Y. Please see Information About Your Account sec0on for balance oomputatbn 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 tre nsacllon fees such as cash advance and balance Vansferfees -expressed as a percentage. 8160278 This Statement is a Facsimile -Not an original 0000007 F4S33335 C 3 000 N Z 17 09/12/11 Pape 1 of 1 06621 MA MA 97091 34510000030009109101 }[ 0363 M ,. '~ , CERTIFICATE OF SERVICE I, James C Warmbrodt, hereby certify that a true and correct copy of the Amended Complaint was served on Defendant by regular U. S. Mail, postage prepaid, this ~~-~ay of ~v~R. , 2010, addressed as follows: William Cramer, Esquire LAW OFFICES OF WILLIAM C.CRAMER 14 N. MAIN ST STE 414 CHAMBERSBURG, PA 17201 i 7 i __ ~ ... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CHASE BANK USA, N.A., Plaintiff vs. ANNETTE M. HARRISON, Civil Action No. 10 - 2039 - CV Defendant WILLIAM C. CRAMER ATTORNEY AT LAW CMAMBERSBURG. PA 17201 (717) 264-3711 NOTICE TO PLEAD To: Chase Bank USA, N.A. c/o James C. Warmbrodt, Esq. Waltman, Weinberg ~ Reis Co., L.P.A. 436 Seventh Avenue, Ste. 1400 Pittsburgh, PA 15219 You are hereby notified to file a written response to the enclosed Answer to Complaint and New Matter and Affirmative Defenses within my (20~,days from service hereof or a judgment may be entered against,you ~/ Date: August 3, 2010 ~l(Iliam~ Cramer Attorney for Defendant 14 North Main Street, Ste. 414 Chambersburg, PA 17201 (717) 264-3711 Supreme Court I.D. No. 22495 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff Defendant Civil Action No. 10 - 2039 - CV ANSWER AND NEW MATTER TO AMENDED COMPLAINT NOW COMES Defendant, Annette M. Harrison, by and through counsel, namely, CHASE BANK USA, N.A., vs. ANNETTE M. HARRISON, William C. Cramer, and for her answer and new matter states the following: ANSWER TO AMENDED COMPLAINT First The following paragraphs of Plaintiff's Amended Complaint are admitted: Paragraphs 1, 2, 3, 4, 5, 7, 10, and 14. Second Paragraphs 6 and 8 are denied because Defendant no longer has a copy of the Exhibit "2" alleged agreement and Exhibit "3" alleged copies of monthly statements, and, therefore, proof of same is demanded at trial. Third The following paragraphs are denied as conclusion of law to which no WILLIAM C. CRAMER ATTORNEY AT LAW responsive pleading is required: Paragraphs 9 11 12 13 and 15. CMAMBERSBURG, PA 17201 , , , , (717) 264-3711 WHEREFORE, it is respectfully requested that judgment be entered in favor of Defendant, including her costs expended. NEW MATTER AND AFFIRMATIVE DEFENSES 16. The alleged cardholder agreement attached to Plaintiff s Complaint, to the extent such is the actual agreement by and between the parties, contains what appears to be a "compulsory arbitration clause". 17. Plaintiff has failed to aver or allege in its Complaint that Defendant has affirmatively consented to waive the arbitration provisions of the alleged cardholder agreement. 18. Because the alleged agreement by and between the parties calls for an alternative dispute resolution process, this Court lacks jurisdiction over the Complaint and that matter is raised as an affirmative defense to the Complaint. WHEREFORE, it is respectfully requested that the Court enter judgment in favor of Defendant, including her costs expended. Respectfully itt illia r Attorney for Defendant 14 North Main Street, Ste. 414 Chambersburg, PA 17201 (717) 264-3711 Supreme Court ID #22495 WILLIAM C. CRAMER ATTORNEY AT LAW CHAMBERSBURG. PA 17207 (7771 264-37t1 2 I verify that the statements made in the attached Answer and New Matter to Amended Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Date: August 3, 2010 Annette M. Harrison WILLIAM C. CRAMER ATTORNEY AT LAW CHAMBERBBURG. PA 17201 (717) 264-3711 3 CERTIFICATE OF SERVICE I, William C. Cramer, Attorney for Defendant, hereby certify that on this date I WILLIAM C. CRAMER ATTORNEY AT LAW CHAMBERSBURG. PA T7201 (717) 264-3711 served a true and correct copy of the attached Preliminary Objections and Notice to Plead upon James C. Warmbrodt, Esq., Attorney for Plaintiff, Weltman, Weinberg & Reis Co., L.P.A., 436 Seventh Avenue, Ste. 1400, Pittsburgh, PA 15 , by ordinary first class mail, postage prepaid. Date: August 3, 2010 Wifti~am C: Cramer Attorney for Defendant 4 i~ ti ~~1~: ~ 1tJ it 1 vim. ~c~la Pnr ~ ~ ~- r, 'i ,,.~ a ~. ~. _. -r,t, ~.n: ~, f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENP7S'YIV~NIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff No. 10-2039-CV vs. PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO AMENDED COMPLAINT ANNETTE M HARRI5ON Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#81.60278 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. ANNETTE M HARRISON Defendant Civil Action No.10-2039-CV PRAECIPE FOR SUBSTITUTION OF VERIFICATION By: TO THE PROTHONOTARY: At the request of the undersigned attorney for the plaintiff, you are directed to substitute the verification in the Plaintiff's Amended Complaint in the above captioned matter. WELTMAN, WEINBERG &REIS CO., L.P.A. James C. armbrodt, Esquire PA I.D. 42 24 WELT A , WEINBERG &REIS CO., L.P.A 1400 op rs Building 436 eve th Avenue Pitt bur h, PA 15219 (4 ) 34-7955 VERfFICATIQN The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 84904 relating 7~evin ~ to unswom falsifications to authorities, that he/she is ~rx?~a~aeT 1 (Name) of Cn~ ~Gnl~ca~d Servt~PT ~-c.~ ,plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge, information and belief. (Signature) ~Cevzn ~ Wwr# 8160278 CERTIFICATE OF SERVICE The undersigned certifies that a true and correct co y of the within Praecipe For Substitution of Verification to Amended Complaint was mailed on the day of , 2010 by United States first class mail, postage pre-paid, addressed as follows: William Cramer, Esquire Law Offices of William Cramer 14 N. Main St., Suite 414 Chambersburg, PA 17201 Weltman, Weinberg & Reis Co., L.P.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff, vs. No. 10-2039 - CV TYPE OF PLEADING: PLAINTIFF'S REPLY TO NEW MATTER ANNETTE M. HARRISON, Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D.# 42524 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 8160278 ~ ,°-~ -r~ ~~ - -+ ~ ~ ~ r` ~ --~ ~~~ ~ rn ~p ~ :~ ~~ ~.-- ~ ---; ca Y ~ ~? ~ c7 ca ~r+~ r ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, No. 10-2039 - CV vs. ANNETTE M. HARRISON, Defendant. PLAINTIFF'S REPLY TO NEW MATTER AND NOW, comes the Plaintiff, by and through its counsel, James C. Warmbrodt, Esquire and Weltman, Weinberg & Reis Co., L.P.A., and files the following Reply to New Matter: 16. The averments contained in Paragraph 16 of Defendant's New Matter refer to a document that is a pleading of record, which document speaks for itself, and therefore no further response is required. 17. The averments contained in Paragraph 17 of Defendant's New Matter constitute conclusions of law to which no further response is required. 18. The averments contained in Paragraph 18 of Defendant's New Matter constitute conclusions of law to which no further response is required. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant in the amounts demanded in its Complaint. Respectfully Submitted: WELTMAN, WEINBERG & REIS, CO., L.~i. By: James C. W. PA I.D.# 42 1400 Kop~ 436 Seve Esquire 15219 (412) 43 -79 5 WWR 8 0278 VERIFICATION 'The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. 44904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to his by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. CERTIFICATE OF SERVICE I certify that I served a true and correct copy of Plaintiff s Reply to New Matter by First Class Mail, Postage Pre-Paid, on the .,~ day of ~'?`~.~-~ , 2010, upon the following: William C. Cramer, Esquire 14 North Main Street, Ste. 414 Chambersburg, PA 17201 By: Jarr . C (L~:D~-y~r ~ 1m~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CML DNISION CHASE BANK USA, N.A. Plaintiff vs. ANNETTE M HARRISON Defendant(s) No. 10-2039 CNIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFII,E FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA LD. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#8160278 CH1 w IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-2039 CIVIL TERM ANNETTE M HARRISON Defendant(s) PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF Cumberland COUNTY: SIR: Kindly settle, discontinue and end without prejudice to refile the above-captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A Benjam abler, Esquire PA LD. 8 WELTMAN, WEINBERG & REIS CO., L.P.A 1.400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 SWORN TO AND SUBSCRIBED before me this _ ~ 5 day of (% l , 2010 . ,~ , ~, ~,. . NOTARY PUBLIC COMMONWEALTH OF PENNSYLVANIA Notenal Seel Sheila G. Bevan, Notary Public Ross'!'wp•, Allegheny County My CoR1Pn133idn expires Nov. 15, 201Q Member: iy~rtf+5vi+e~t~iiy Non of Notaries