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HomeMy WebLinkAbout10-2341o? SHAPIRO LAW OFFICE P.C. BY: Kenneth S. Shapiro, Esq. Identification No. 26850 33 Rock Hill Road Suite 150 Bala Cynwyd, PA 19004 610-668-0707 ZCi? r ? -7 F'? 0: U4 CUs r` M1 f ., e, Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff Vs. Becky K. Dechene Gary R. Dechene 356 Sawmill Rd # 911 Newville, PA 17241-9580 Defendant(s) In The Court Of Common Pleas Cumberland County, PA CASE NO. 10 - o23N NOTICE Civ L ?Trm You have been sued in the Court of Common Pleas of Cumberland County, in the Commonwealth of Pennsylvania. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint is served, by entering a written appearance personally or via attorney, by filing, in writing with the above captioned court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (800) 990-9108 0 *4&.00 PD ATr4 GG# 663(40 e a4o 14L, SHAPIRO LAW OFFICE P.C. BY: Kenneth S. Shapiro, Esq. Identification No. 26850 33 Rock Hill Road Suite 150 Bala Cynwyd, PA 19004 610-668-0707 Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff Vs. Becky K. Dechene Gary R. Dechene 356 Sawmill Rd # 911 Newville, PA 17241-9580 Defendant(s) In The Court Of Common Pleas Cumberland County, PA CASE NO. COMPLAINT 1. Plaintiff, Four Seasons Investments, LLC, is a Pennsylvania limited liability company with its principal place of business at P.O. Box 213 Wynnewood, PA 19096. 2. Defendants, Becky K. Dechene and Gary R. Dechene, are individuals whose last known address is 356 Sawmill Road # 9LL Newville, PA 17241-9580. 3. On or about January 14, 1999, Defendants originally contracted with Chase Bank USA, N.A. ("Chase", predecessor in interest to Four Seasons Investments, LLC) for a Visa Credit Card Account No. 4366XXXXXXXX7155 (the "Account"; see Exhibit "A", Cardholder Agreement, attached hereto and made a part hereof). In accordance with Pa.R.C.P. 1019(i), Plaintiff states that the original application and agreement between Chase and Defendants is not accessible to the Plaintiff as it has not yet been provided to Plaintiff by Chase or its successors in interest. Accordingly, Plaintiff is unaware of the exact substance of the application or agreement at this time, beyond the general obligation to pay the cash advances and purchases shown on invoices mailed to the Defendants. 4. Defendants made purchases and payments by utilizing the Account from time to time. Account statements issued by Chase to the Defendants covering the periods from October 28, 2006 to April 27, 2008 are attached hereto as Exhibit "B" and made a part hereof. In accordance with Pa.R.C.P. 10 1 9(i), Plaintiff further states that statements issued prior to October 28, 2006 are not presently available as they have not yet been provided to Plaintiff by Chase or its assigns. The substance of the missing Account statements likely provides the details regarding charges made and payments credited to Defendants' Account prior to October 28, 2006. 5. Defendants defaulted under the terms of the agreement in that he has failed to make any payments toward the balance due on the Account since November 1, 2007. 6. The Account was purchased from Chase by Turtle Creek Assets, Ltd. on December 10, 2009, and subsequently sold and assigned to Four Seasons Investments, LLC on or about January 20, 2010 in the ordinary course of business (see Exhibit "C"). 7. Plaintiff has duly made demand for payment from the Defendants, who have failed and refused to comply with said demand. 8. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C.A. Sec. 1692(g)(a) on January 26, 2010, Plaintiff's counsel sent a written notice to Defendants specifying (among other things) the amount of the debt, the name of the creditor to whom the debt is owed and a statement that unless the Defendants notify the Plaintiff's counsel within the thirty-day period that the debt or any portion thereof is disputed, the debt would be assumed to be valid by the debt collector. (See Exhibit "D" attached hereto and made a part hereof). To date, no response has been received. 9. In accordance with the terms of the account and the underlying agreement with Chase, Defendants are obligated to the Plaintiff, as successor in interest to Chase, in the amount of $11,321.66 (as of April 27, 2008), calculated as follows: Principal Balance due on Account $10,571.66 Attorneys' Fees Per Agreement $750.00 Total Amount Due $11,321.66 WHEREFORE, Plaintiff requests that this Court enter judgment in favor of Plaintiff and against the Defendants in the amount of $11,321.66 plus interest and costs. LAW OFFICE P.C. Atto . v for Plaintiff COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Peter Shapiro, being duly sworn according to law, deposes and says that he is the Managing Director of Four Seasons Investments, LLC; that he is authorized to make this affidavit on its behalf; and that the facts set forth in the foregoing complaint are true and correct to the best of his knowledge, information and belief. P r Sha i o, anaging Director Sworn to and subscribed before me this JC day of 2010 Notary Public COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL CARON A. SHAPIRO, Notary Public Lower Merton Twp., Montgomery County Commission Lxpires July 27, 2012 EXHIBIT A Cordmember Agreement for you agn you Thrt the pert for t for are trar the that forr and • Bali crew But 0101 avai avai • Casl from curr tick( may to th • Over bank cove your Billing cycles your all billing for tha Author amhori authod You wil accour paying You ma do so, t You mu you not accoun means credit A access minimum charge CMA16MO EPTANCE OF TINS AGREEMENT agreement governs your credit card account with us referenced on the card carrier aining the cardfor this account Any use of your a ccount is covered bythis agreement se read the entire agreement and keep it for your records. You authorize ices to pay nd charge your account for all transactions made on your account You promise to us for all transactions made on your account, as woV as any fees or finance charges. s is a joint account, each of you, together and indnriduagy, is responsible for paying mounts owed, even if the account is used by only one of you. se sign the back of your credit card when you receive it. You wig be bound by this ement if you or anyone authorized by you use your account for any purpose, even if lon't sign your card. Whether you use your account or not, you unit be bound by this ement unless you caned your account within 30 days after receiving your card and rave not used your account for any purpose. ughout this agreement. the words'we,'es and 'one mean Chase Bank USA, N.A., ;suer of your credit card and account The words "you'. *your and *Yours' mean all ons responsible for complyingwith this agreement, including the person who applied is account and the person to whom we address billing statements, as well as any 3n who agrees to be liable on the account Theword'confmeans one or more cards her access devices, such as account numbers, that we have issued to permit you tain credit under this agreement G YOUR ACCOUNT account is a consumer account and should be used only for personal, family or :hold purposes. Unless we agree or it is required by lavw we will not be responsible erchandise or services purchased or leased through use of your account You se to use your account only for valid and lawful transactions. For example, internet ling may be illegal in some places Otis not our responsibility to make sure that you our account only for permissible transactions, and you wig remain responsible for g for a transaction even if it is notpermissible. all Transactions: chases: You may use your card to pay for goods or services. cks: We may provide you cash advance checks or balance transfer checks as a to use your account yye also refer tb them in this agreement as a check or checks. may use a chec It to payforgoodsorservices, to transfer balances to your account )r other uses we allow. But you may not use time checks to transfer balances to account from other accounts with us or any of our related companies. Only the on whose name is printed oaths cheek may sign the check. Cash advance checks treated as cash advances and balance transfer chocks are treated as balance stern except as tooted in this agrewommit or sty olfw we make to you. We may treat :ksthat wecall convenience chocks asbalance transt rcheeks.However,chocks we call convenience checks sndthat we indicated to you are subject to the terms ash advances, may be treated as cash advances and assessed cash advance rate.- ace Transkei You maytranster balances from other accounts or loans with other it card issuers orother lenders to this account, or other balance transfers we allow. rou may not transfer balances tothis account from other accounts with us or any r related companies. N a portion of a requested balance transfer will exceed your able credit access kse, we may process a partial balance transfer up to your able credit access line. Advances You may use your card to gat cash from auomatic teller machines, or financial institutions accepting tae card: or to obtain travelers checks, foreign tncy, money orders, wire transfers or similar cs"e charges; or to obtain lottery ts. casino gaming chips, race track wagon or for similar betting transactions. You tlso use a third partysenice to make a payment on yourbehalf and hilt the payment saccount !raft Advances: H you have an eligible checking account with one of our related s, you may link this account to your checking account with our related bank to an overdraft on that dw" account under the terms of this agreement and :hecking account agreeraett. Cycle: In order to manage your account we rivide time into periods called-billing Each billing cycle is approodmaWyorve month inlength. For each calendar month, count will have a bt'Eng cycle dot ands in that month. Your account will have a ycle ending in each calendar naMh whether or not there is a biting statement billing cycle. tod Users: H you stow somaoas to use your account. that person wit be an !ed user. You should tonic carefully before glowing anyone to become an td user because you are atorwrg that person to use the account as you can. remain responsible for this use of your account and each card issued on your according to the terats of leis sweewett. This includes your responsibility for it charges on your accountands by an autberited user. request an scidtimal card lot use by an authorized user on your account. If you its account may appear an the credit report of that authorized user. t notify us to terminate an sutherind niter's permission to use your account If y us, we mayclose tbeaccturtandfer issue s newcard or cards with a different number. You should also recover and dam" any cards, checks or any other f access to your accoun treat than authorized ricer. :cc= tires Your credit access lies appesrs an your biting statements The credit inn is the maximum araouw upon which you may defer payment, subject to the i payment drat. There is no pre-set speeding limit for your account. instead, each s evaluated based on dte speeding and psyerent patterns on the account, your rtionshipswith us, irdorrnalion heeseausuamer credit reports obtained from credit including your experience with other creditors, and our understanding of your personal resources. We may decline an at dwkation request for any transaction at any time as described in this agreement We also my request additional information from you at any time to evaluate a transaction request or your use of ft account generally. Your billing statement may also show that only a portion at your credit access line may be used for ash advances. Cash advances, including cashsdvance checks, are charged against the cash advance portion of your credit access We, and at other transactions are charged against your credit access ins. You are responsible for keeping track of your account balance, including any fees and finance charges. At our discretion, we may increase. reduce, or cancel yourcredit access fine. orhs cash advance portion of your credit access Woe, at any time. However, if you have asked us not to do so, we will not increase your credit access line. A change to your credit access line will not affect your obligation to pay us. Your credit access fine may also be referred to as your revolving line. Amounts over your credit access fine may also be referred to as your non-revolving Noe. International Traasaetiom International transactions include any transaction that you make in a foreign currency or that you oaks outside of the United States of America even d it is made in U.S. dollars. If you snake a transaction in a foreign currency, Visa International or MasterCard International, Inc., wait convert the transaction into U.S. dollars byusing 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 ale rate an the date you used your card or account We reserve the right to charge you an additional three percent (3916) of the U.S. dollar amount of any international transaction, vhdetherthattrsnsaction was originally made in U.S. dollars or was made in another currency and converted to WS, dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us bythat entity. The same process and charges may apply if any international transaction is reversed. Refuel to Audiorito Tisasacfioas: 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, • N we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses t a transaction on your account is declined for any reason, either by us or a third parry, wen if you have sufficient credit available. For ontins transactions, we may require that you register your account with an authorization system that we select We will notify you d we want you to register If you do not register we may decline your onfne transactions Refusal to ray Chocks: Each check you write is your request for funds. WMn we receive a check for payment, we may review your account to decide whetfta to authorize that check. Vi4 may, but ere nit required to, reject and return unpaid a check for any reason, including fM bMowing examples: • We or one of our related companies is the payee on the check. • The check is post-dated. N a post-dated check is paid, resulting in another check being returned or sot 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. Lest or Stolen Carrie, Becks orAccommt Numbers: N 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 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 arty 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 bonefx, but you will not be liable for more than 550.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However. you must identify for us the unauthorized charges fromwhich you received no benefit We may require you to provide us information in writing to help us find out what happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS Payment bsfeections: Your biting statement and accompanying envelope include instructions you must follow for making payments and sets forth the data and time by which we must receive the payment You agree to pay us amounts you owe in US. dollars drawn on funds on deposit in a U. S. financial institution or the U.S. branch of a foreign financial inmitution using s payment check, moneyorder or automatic debitthatwit be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked -paid in fu1P or with a similar notation or thatyou otherwise tender in fug satisfaction of a disputed amount (conditional payments), must be sent to us at the conditional payments address fisted on your monthlystaternent. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we rosy 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 AN other payments that you make should be sent to,he regular payment address shown on your monthly statements. Page I Of 6 reserve the right to electronically collect your eligible payment checks, at first senuthent and any representment, from tho bank account on which the check is nn. Our receipt of your payment checks is your authorization for us to collect amount of the check electronically, or, it needed, by a draft drawn against the k account Payment checks wil be collected electronically by sending the check untalong with the check routing and account numbers to your bank. Your bank ount may be debited as early as the same day we receive your payment The inal payment check will be destroyed and an image will be maintained in our Mi hewn Payment You agree to pay at least the minimum payment due, as shown on r btling statement, so that we receive it by the data and time payment is due. You may pay more than the minimum payment due and may pay the full amount you us at any time. If you have a balance that is subject to finance charges, the Soo r you pay us, the less you will pay in finance charges because finance charges acc on your balance each day. You billing statement shows your beginning balance and your ending balance (the TI Balance' on your billing statementt). N the New Balance is$10.W or less, your mini in payment due wig be the New Balance. Otherwise, it will be the largest of the "ng: S10.00:2% of the Now Balance: or the sum of l% of the New Balance, to tiled periodic rate finance charges, and any biled late fees. As part of the mini payment due, we also add anyamount past due and any amount over your c access fine. P Allocation: You agree that we are authorized to &locate your payments and rafts in a way that is most favor" to or convenient for us. For example, you sun a us to applyyour payments and credits to balances with IowerAPRS Isuch as emotional APRs) before balances with higher APRs. Cre t Balances: You may request a refund of a credit balance at any time. We may reduce the amount of any credit balance bythe amountof new charges or fees billed to vo it account Am Charges: You may authorize a third parry to automatically charge your acc ntforrepeattransacti ons(for axam09.monthly utility charges. in emberships Jaa anca premiums)- If automatic charges an steppodforanyreason (including your account is closed or s uspended for any teasoaJ o your account hanges, you are responsible fornotifying the biller and paying these charges N your account n umber changes, we may, but are not required to, pay from account number charges that you authorized tobe biled to your old account Zs From time to time vve may ciHor special terms for your account If we do, will notify you about the terms of the offer and how"thWwil be in effect. Any ion is subject to the terms of this agreement AS modifed by the p d offer. R CE CHARGES Table place Venal to the Rate, we#S Staten Rates the Pri Fees 1 each t Two b W1,181 111 the AP N our c cycle 1 day of or any I the folk • We d accot due. • You in • To the immm within It any of APR) on rate slat determb existent of vow a with its c uriodic Rates and Aeeal Percentage Raba: Your anneal percentage rates land the corresponding dailypesiode rata we listed on the Rata and Fees has is at the and of this document or provided separstelyt To get the daily c rate we divide the APR by 3% and in eNoct always rand up at the fifth t the right of the decimal pant. e Rates: One or more APRsOM applyto your account mayvary with changes 'rime Rate. When you have an AN that varies with changes to the Prime e cakulate the APR by adding a margin to the Prune Rate published in The wJournal two business days before the Closing Date shown on your billing m. The 'Prime Rate' is the highest (U•SJ Prime Rate published in the Money action of The Wa/SrreerJoumailIf TAeIM OStreatJowndstopspublishing to Rate, we wil select a similar reference rate and inform you on your billing nt or through a separate notice. W is the percentage we add to the Prime Rate to calculate the APR. A a day is any day that is not a weokeed or federal holiday. The Rates and We shows which rates, if any, are variable rates. It also fats the margin for riable rote and any minimem daily porioac rate and corresponding APR. mess days before the Closing Dena shown on your billing statement, we see Prime Rate is. We then add the applicable margin to that Prime Rate to get The daily periodic rate is calculated as described above. kulation results in a change to a daily periodic rate from the previous billing cause the Prime Rate has changed, the now rate will apply as of the first our billing cycle that ends in the calendar month in which we made the on. H the daily periodic rate increases. youwi have to paya higher periodic :barge and may have to pay a higher minimum payment, totes: Your APRs also may vary if you we in default under this agreement her agreement you have with us or arhy of our related companies for any of wing reasons: not receive, for any payment that is owed on this account o any other e or loan with us. at least the minimum poyrnent due by the date and time car a payment to us that is riot honored by yow bank. rent aflonwedbylaw, it.atanytime atteryour accountis closed. we demand as payment of your outstanding balance and we do not receive payment is time we specify. use events occurs, we mayincresse deoAPRs finchrdng any promotional I balances (excluding overdraft advance) up to a maxirmurn of The default I in the Rates and Fees Table. We may consider the following factors to your default rate: the length of time your account has been open, the seriousness and timing of the defaults on youraccount oilier "cations count usage and performance. infermadon abort yew other relationships any, of our related companies: arsdinformation we obtain from consumer credit reports obtained from credk bureaus. The default rate will take effect as of the first day of the billing cycle in which the default occurs. If we decide nut to increase your APR even though there is a defauk or it 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 defoult rates or reinstate standard rates for all or selected balances on your account. Finance Charge Cakoladoo - Average Daily Balance Melted (leeledoe Now Transectionsk We calculate periodic finance charges separately for each balance associated with a different category oltransactions (for example, purchase; balance transfers, balance tronsferchecks, cash advances, cash advance checks„ owrdrah 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 deity balance for each of those categories bythe daily periodi: rate for each of those categories, each day. You may have overdraft advances only if you have linked this account to a chocking account with one of our related banks. We calculate the periodic finance charges forpurchases, baleneetransfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for ach 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. VW add a new purchase, cash advance, balance transfer or over&o* advance, N 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 chock 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 meyvary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance araount 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 cyde. However, if any periodic firionice charge is due. we wig charge you a yeast the minimum periodic fimnce charge stated in the Rates and Fees Table. Nit is necessary to add an additional amouart to reach the minimum finance charge, we add that amount to the balance for purchases made during the NOV cycle. The total finance charge on yaw account for a billing cycle will be the sum of the periodic finance charges pits any transaction fee finance charges. For each category we calculate an average daily balance findudagnowtransactions) for the billing cycle by adding OR yew daily balances and dividing that amount by the number of days in the billing cycle. N you multiply the average daily balance for a category by that category's daily periodic rata, and muhiply the result by the number of days in the bung cycle, the total wil equal the periodic finance charges for that balance attributable to that MV cycle, except for minor variations due to rounding. Grace Period andAccrual ofHimaitsChangerWeaccrueperiodicfinancecharges on a transsctiooi% fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic fin ance charges on new purchases billed during a billing cycle if we receive payment of your New Balance by the date and line your Waimnm payment is des 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 perchases and does not apply to balance transfers, balance transfer checks, cash adv aces, cash advance checks or word raft advances, if applicable. Transactioa Fees for Cash Advances: We may charge you a cash advance fee in the amountstated in the Rates and frees Table for each of the following transactions: - cash advance checks, - cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment These transaction 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 each of the following transactions: • balance transfer checks: 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 Page 2 0o CMIA 16030 may charge the following fees. The amounts of these fees are listed in the Rates and s Table. These tees will be added to the balance for purchases made during the billing A sal Membership For. If your account has an annual membership fee, kwdl be bite ea h year or in monthly installments (as stated in the Rates and Fees Table), whether n you use your account, and you agree to pay it when billed. The annual membershi non refundable unless you notity, us that you wish to close your account within 30 Id of the date we mail your billing statement on which the annual membership fee is ed and at the same time, you pay your outstanding balance in full. Your payment of nual membership fee does not affect our right to close your account or limit your o make transactions on your account If your account is closed by you or us, we ntinue to charge the annual membership fee until you payyour outstanding balance and terminate your account relationship. ee: N we do not receive at least the required minimum payment by the date and is due as shown on yourbiling statement for any biting cycle , we may charge the e shown in the Rates and Fees Table. If the late fee is based on a balance, we te the late fee using the Previous Balance on the current month's statement that the late tee. This balance is the same as the New Balance shown on the prior is statement for which we did not receive at least the required minimum payment date and time it was due. Payment Fee: H (a) your payment check or similar instrument is not honored, (b) an atie debit or other electronic payment is returned unpaid, or (c) we must return a p yment check because it is not signed or cannot be processed, we may charge e (etU payment tee. Re to Check Fee: If tit) we stop payment on a cash advance check or balance transfer the katyour request. orfb?werefuse topayacash advance check orbalance transfer the A. we may charge a return check fee. Adis nistrWve Fees: ff you request a copy of a billing statement sales draft or other rec d of your account or if you request two or more cards or any special services (for exit pie, obtaining cards on an expedited basis(, we may charge you for these services. Now er, we will not charge you for copies of billing statements, sales drafts or similar doc eritsthat you request for a billing dispute you may assert against us under applicable law. Me may charge, for any services listed above and other services we provide, the fees rom time to time in effect when we offer the service. We may consider you to be in default if any of these occurs. W do not receive at least the minimum amount due by the date and time due as shown on ur billing statement. • Y fad to comply with the terms of this agreement or any agreement with one of our ref ted companies • We obtain information that causes us to believe that you may be unwilling or unable to pa 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 onsider your account to be in default we may close your account without notice and r quireyoa to pay your unpaid balance immediately. We also may require you to pay inters at the rate of two percent (2%) a month on the unpaid balance when we deem your ccount to be six or more bulling cycles past due. To the exteat parmitted by law. if you are in default because you have failed to pay us, you N payout collection costs, attorneys fees, court costs, and all otter expanses of enfor ' Our rights under this agreement CLOS G YOUR ACCOUNT You m y close your account at any time. If you call us to close your account, we may requi that you confirm your request in writing. We m y close your account at any time or suspend your credit privileges at anytime for any re son without prior notice except as requited by applicable law. If we close your acco we will not be Fable to you for any consequences resulting from closing your acco t or suspending your credit privileges. If you r we class your account, you and any authorized users must inmedistely stop using uraccount anddestroy aIcards, checkserothermeans to accessyouraccoum or rat n them to us upon request you will continue to be responsible for charge ; to Your accou t even d they are made or processed after your account is closed and you wig be to iced to pay the outstanding balance on your account according to the terms of this ag semen[ In addition, to the extent allowed by law, we may require you to pay the outsta ing balance immediately or at any time after your accost is closed AR8 TION AGREEMENT PLEAS READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RES LVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TOGO TO CO RT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRE ENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATFO EY GENERAL ACTION, NOR WILL YOU BE ABLE TO BANG ANY CLAIM IN ARBIT TION AS A CLASS ACTION OR OTHER REPRESENUT1VE ACTION. YOU WILL NOT BE BLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUG T BY ANYONE ELSE. OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRE NTATNEACTION. INTHEABSENCE OFTHIS ARBITRATIONAGREEMENT ,YOU AND MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A C FIT. BEFORE A JUDGE ORJURY,ANDAIR TO PARTICIPATE OR BE REPRESENTED IN A SE FILED IN COURT BY OTHERS IINCLUDING CLASS ACTIONS AND OTHER REPRE 14TATNE ACTIDUM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A C RT. SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECIMN MAY BE MOREU ED.EXCEPTASOTHERWISEMMIDEDBELOW,TNMRlfi MAREWAIVEO. Biodil 'saioaThis Arbitration Agreement ismode pusuarewatransaction involving interst commerce, and shelf be governed by and be enforceable trader the Federal Arbkra i nAct (the FAA7,9U.S-C.S1-16 as. it may beamende:d.ThisArbitrsticeAgreement d sets forth the circumstances and procedures under which claims (as defined below) may g be resolved by arbitration instead of being litigated in court Parties Covered. For the purposes of this Arbitration Agreement,'we ,'us . and -ou r' also d includes our parent,subsidiaries.ofilintes,icenseas,predecessors,successors,assigns, or any purchaser of your Account, and a8 of their officers, directors, employees, agents, p and assigns or any and all of diem. Additionally we;'ui and'oufshall include anythird party providing benefits, services, or products in connection with the Account fincluding but not Funned 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 offrcen,directors, employees, agents and representatives) it, and a* if, such a third parry is named by you as a co-defendant in any Claim you assert against us. Claims Covered. Either you or we may, without the others consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, oragainst the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other arising from or relating in any way to the Cardmember Agreement airy prior Cardmember Agreemerrtyourcredt card Accountorthe advertising, application or approval of your Account ('Claim-1 This Arbitration Agreement governs all Claims, whether such Claims are based on law, statub, contract regulation, ordinance, tort, common law, constitutional provision, or any legal theory of law such as respondest superior, or any other legal or equitable ground andwhetthersuch Claims seek as remedies money damages, penalties, injunction& or declaratory or &quitehis relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire Co rdmendw Agreement or any prior Cardmember Agreement This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are made as counterclaims, cross claims, third panty 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 lawsuk by any party or parties. As an exception to this Arbitration Agreamem, you retain the right to pursue in a small claims court any Claim thatis within that court's jurisdetion and proceeds on an individual basis. If a party elects to arbitrate a Clain, the arbib'ationvvill be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shag have no autharilyto proceed on such basis. This means that even if a class action lawsuit or other representative action, such as that in the form of a private attorney general action, is filed, any Claim between us related to the issues raised in such lawsuits will he subject to an individual arbitration claim if after you or we so elect No arbitration wig be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined it an individual action under this Arbitration Agreement are III dim brarght by us against you and arty co-applicant joint cardmembet or authorized user of your Account or vow heirs or your trustee in bankruptcy or (2) those brought by you and any cot-eppicam, joint cardmembor, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party sing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association: or National Arbitration Forum. These administrators areindspandem 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 AM arbitration hearing that you stand shall be held at a piste chosen by the arbitrator or arbitration adnrniswatorwithin 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 ndes 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 Assoeiatisik 33S Madison Avenue, Floor 10, New York, NY 10017-4605, Web site. www.adr org, n0O-778-7879: or National Arbitration Forum, P.O. _Box 50191, Minneapolis, MN 55405, Web .site: wwwarbitration-forum.corr800-474-2371. Procedures sad law applicable is erbienedw A single, neutral arbitrator wig resolve Claims. The arbitrator will either be a lawyerwith at least ten 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 willprwail These procedures and rules maylinit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and wig honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator win take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, it requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the powerto award relief to, against or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a parry. 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 SSW upon receipt of proof of payment Additionally, if there is a hearing, we 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. Page 3 ol? 6 CMA16030 AN ether fees will be allocated in keeping with the rules of the arbitration administrato an applicable law. However, we will advance or reimburse filing fees and othe fee 9thearbitration administrator orarbitrator determines there isgoodreason f req iring us to do so or you ask us and we determine there is good cause for doing so. ach party will bear the expense of the fees and costs of that parry's attorneys e rts, witnesses, documents and other expenses, regardless of which pa pr ails, for arbitration and any appeal (as permitted below), except that the arbitrate J I apply any applka We law in determining whether a party should recover any fees and costs from another party. reement finality appeals. Failure or any delay in enforcing this Arbitration anent at any time, or in connection with any particular Claimswillnot constitute iver of any rights to require arbitration at a later tine or in connection with any rClaims.AnydecisionrenderedatsucharbWationproceedingwillhefnaland ng on the parties, unless a party appeals in writing to the arbitration organization m 3o days of issuance of the award. The appeal must requests new arbitration be re a panel of two neutral arbitrators designated by the same arbitration org nization. The panel will reconsider aN factual and legal issues anew; follow the son rules that applyto a proceeding using a single arbitrator, and make decisions bas d on the vote of the majority. Each party will bear their own fees, costs and exp rises for any appea 1, but a party nayrecover any or all fees, costs and expenses fir another party, it the majority of the panel of arbitrators, applying applicable law, so determines. An'sward in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Se mbitlty, survival This Arbitration Agreement shell survive: (i) termination or chi gas in the CardrmemberAgreement, theAccount andtherelationship between you nd us concerning the Account, such as the issuing of a new account number or a transferring of the balance in the Account to another account: Iii) the ban ptcy of" party or any sin ilor proceeding initiated by you or on your behalf: and iii) payment of the debt in full byyw or by a third party. H any portion of this Arb' ation Agreement is deemed invalid or unenforceable, the remaining portions shah nevertheless remain in force. C GES TO THIS AGREEMENT We c n change this agreement at anytime, rogardlessof whether you have access to yo r account, by adding, deletkS or modifying any provision. Our right to add, delei , or modify provisions includes financial terms, such as the APRs and fees, and ther terms such as the nature, extent and enforcement of the rights and oblig tionsyou or we may have reletingto this agreement Modifications, additions, or de etions are called'Changef or a Thango'. We its notify you of any Change it required by applicable law. These Changes may bee active with notice only, at the tine stated in our notice, in accordance with apply able law. Unless we state otherwise, any Change will apply to the unpaid balae es on your account and to new transactions. Then ice will describe any rights you may have with respect to any Change, and the c nsequences N you do or do not exercise dnose rights. For example. the nodes may we that you may notify us in writing bye specified date if you do not want to acc lbobligated certain Chang as we are making. R you motify us in writing that you do not acc heChanges, your acdouuntin"bectosed(it itisnot alreadyclosed)andyou uvil to pay your outstanding balance under the applicable terms of the agreell. If you do not notifyusimwrorhgbythedstestatedinthenotice.orifyou notis but often use your account after the does stated in the notice, you will be deeto accept an Changes in the notice andes accept and confirm all term of your resdnent and all Changes in prior notiees we have sent you regardless of whe you have access to your account CRED INFORMATION We m y periodically review your credit bin" by obtaining information from credit bureaus all others. We m y report information about you and purr account to credit bureaus, including your f ilurs to pay us on time. N you request additional cards on your account for others we may report account informha0om in your name as well as in the names of those people. If you hink we have reported inaccurate information to a credit bureau, you may write t us at the Cardmember Sevin address listed on your billing statenhent Please include your name, address. account somber tslepbtne number and a brief descr' lion of the problem. If available, plesse provide a copy of the credit bureau report question. We will prompdy invesigate Ike matter and. if our investigation shows at you are right we will contact each credit bureau to which we reported the inf motion and will request they correct the report n we disagree with you after our inv stiga6m we will ten you in wriing or by telephone. We will also notify the credit ureau that you dispute the isformation uddess you let us know that you no longer ispute the information. NOTIC SXHANGE OF PERSONAL NiFOIM11pN We wall nd cards. billing statements and other notices to you at the address shown in our s. Or, it this is a joint accouaL we can sand Ming statements and notices to any i ' account holder: Notice a am of pu will be considered nodes to an of you an all of you will remain obligated an the account If you c ange yrwr name, address, or boom callular or business telephone number or emai address fit pour elect to receive biinhg statements or other notices o nine), you mu notify us immediately in writing as the address shown on your tilling stater It. We may, at our option, accept naH'irg address corrections from the United tates Postal Service. We may Contact you about your account, including for c ust"r service or collectioq, at sill address w telephone number as wen as any cel r telephone number you proadeus. TELEPHONE MONITORING ANO RECONNOG r We,andifapplicable, ouragents,mayistentoandrecord yourtelephonecalls with r us. You agree that we, and if applicable, our agents, may do so, whether you or we or initiate tln telephone cad. 9 INFORMATION SHAD You authorize us to share certain information aboutyou and your account within our rtY family of companies, and with others outside our family of companies including any r company ororganizationwhose nomeormorkmayappear onthecards. aspemritted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and st least once each calendaryearthereafter, describes ourttformaoion sharing practices and the choices you have and directions yore 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 CARDMEINBERS 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 hills under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that if you choose notto exercise the applicable optoutdescribed in our Privacy Policy, you will he deemed to have authorized us to share personal information we have abort 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. ENFORCMIG TNIS AGREEMENT We can delay 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 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 whore we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING UAW THE TERMSAND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNTSHALL 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 ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT FOR INFORMATION Please cad the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement YOUR amm FAGNTS Keep Tlha Nalks For Fobve Use This Police contains important information about your rights and our responsibilities under the fair Credit Billing Act Notify Us In Care Of Errors Or Orsstiems Abort Yew Bill If you think your bill is wrong, or if you need more information about a transaction on your big, write us on a separate sheet at the Cardm mbw Service address shown on your billing stateroom Wrie to us as soon as possible. We met hest from you no later than 60 days aher we sent you the first bill on which the error or problem appeared. You can telephone us, but doing w 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 era If you need more information, describe the rem you are not sure about H you have authorized us to pay your credit card brill 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 One business days before the automatic payment is scheduled to occur. Your Rights And Ow Responsibilities After We Receive Your Writus Noks 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 whey we believe the bill was cores. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent We can corrinue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount agairmyowcred'tt access line. You do not have to pay any questioned mount while wean 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 ddn't crake a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount M either case, we will send you a statementof the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent However, i our explanation does not satisfy you and you write to us within 10 days telling us that you stilt refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyonne we reported you to. We must tell anyone we reponyou to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first S50.00 of the questioned amount even i your bill was Correct Special Rates for Credit Card Purchases Page 4 0? 6 CMAI6030 If yo have a problem with the quality of property or services that you purchased with a cre it card, and you have tried in good faith to correct the problem with the merchant, you y have the right notto 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) Y u must have made the purchase in your home state or, if not within your home state, with n 100 mites of your current mailing address; and (bl T e purchase price must have been more than S50.0o. The limitations do not apply if we own or operate the merchant, or if we mailed you the adv isemen for the property or services. MM JPMorgen Chase & Co. All rights reserved. Page 5of 6 CMA16030 Statement for account number: 4366 1004M,7155 New Balance Payment Due Date Past Due Amount Minimum Payment $8,689.59 12/22/06 $0.00 $202.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on tack. CHASE O Enroll me in the optional Payment Protector Plane. I understand the enclosed offer and may cancel any time. n Ias -10515 436616303768715500020200008689595303216 56278 SEX Z 33106 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 Irrrlllrirrlrrlrirrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl Ir,.III rr,IrrlrLlrrL,rIILIr,rIrlJrrlJlrurlrLrllrrrrlrll 1:5000160281: 2333037687 i55511¦ CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Statement Date: 10/28/06 -11/27/06 CUSTOMER SERVICE CHASE O Payment Due Date: 12122/06 In U.S. 1-800-945-2000 Minimum Payment Due: $202.00 EspaAol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 4200ft 7155 ACCOUNT INQUIRIES Previous Balance $8,258.09 Total Credit Line $19,300 15298 Payment, Credits -$228.00 Available Credit Wilmingtonn, , DE $10,610 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$543.94 Cash Access Line $19 300 Finance Charges +$115.56 Available for Cash $10,610 PAYMENT ADDRESS New Balance $8,689.59 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.04381% 15.99% $8,508.59 $115.56 $0.00 $0.00 $115.56 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $115.56 Effective Annual Percentage Rate (APR): 15.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS HOLIDAY SHOPPERS: Get low prices on MP3 players, toys, digital cameras, flat screen TV's, and lots more through Trilegianrs offer. You can get up to $50 cash back on purchases with your Shoppers Advantage membership. CALL 1-866-883-7233 TODAY. Whatever you'd like to do - refinance your mortgage to get extra cash, make home improvements, even buy a new home; Call Chase first at 1-666-836.8335. We can help with all you home financing needs. All loans subject to credit and property approval. Equal Housing Lender. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 8 000 N Z 27 08/11/17 Page 1 of 3 05686 MAMA 56278 33110000080005627801 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4366 IM IM 7155 ' New Balance Payment Due Date Past Due Amount Minimum Payment $8,862.77 01/21/07 $0.00 $204.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. CHASE O Tax Time is almost here. Make your payment usinrrt1 your credit card. For detals visit official payments. com/Chase.jsp 436616303768715500020400008862770000005 58045 BEX Z 36106 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 Irrrlllrlrrlrrlllrrlrrllrrrirlrrrrllrlrlrrrllr,Irlr,rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IrrrIlLrJrrLldrJrrdllJrrrLLlrrLllrrrJJrrlLrrrl,ll 1:5000160284 23330376a7 L555118 Opening/Closing Date: 1111 -12/27/06 CUSTOMER SERVICE CHASE O Payment Due Date: 01/21/07 In U.S. 1-800-945-2000 Minimum Payment Due: $204.00 Espaliol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect 1-302594-8200 VISA ACCOUNT SUMMARY Account Number: 43661MOAM7155 ACCOUNT INQUIRIES Previous Balance $8,689.59 Total Credit Line $19,300 P.O. Box 15298 Payment Credits -$202.00 Available Credit $10,437 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$259.35 Cash Access Line $19,300 Finance Charges +$115.83 Available for Cash $10,437 PAYMENT ADDRESS New Balance $8,862.77 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 24258026339980001 12/14 2471 You Electronic FINANCE CHARGES 42.98 Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.04381% 15.99% $8,812.74 $115.83 $0.00 $0.00 $115.83 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $115.83 ERective Annual Percentage Rate (APR): 15.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Claim your reward today! You still have time to claim your Thomas Kinkade Lithographsl Simply go to www.rewardoenter.oom and enter 167312 where it asks for your certificate number. Take advantage of this final opportunity to claim this exclusive collection! HOLIDAY SHOPPERS: Get low prices on MP3 players, toys, digital cameras, flat screen TVs, and lots more through Trilegianrs offer. You can get up to $50 cash back on purchases with your Shoppers Advantage membership. CALL 1-866-883-7233 TODAY. As a valued Cardmember, you've been issued a Thank You up to $100. Claim your favorites, each with a low fee of $2.95. Log on for details and claim your Thank You up to $100 from SynapseConnect. www.giftcard100.com/claim. Code 29235 This Statement is a Facsimile - Not an original X, 0000001 FIS33335 D 9 000 N Z 27 06112127 Page 1 of 3 05686 MA MA 58045 36110000090005804501 Statement for account number: 43661 7155 New Balance Payment Due Date Past Due Amount Minimum Payment $8,941.11 02/21/07 $0.00 $210.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. rnlas ae 436616303768715500021000008941115334665 07294 BEX Z 02707 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 LrrlllrrrlrJrlJrrLrr1111LrrIJJrrIrlLrrrLLrllrrrrlJl 1:5000 L60 281: 2333037687 L5551I¦ Opentng/Clming Date: 1218106 - 011717 CUSTOMER SERVICE CHASE O Payment Due Date: 02/21107 In U.S. 1-800-945-2000 Minimum Payment Due: $210.00 Espafiol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7968 Outside U.S. call collect 1 302 594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 r?tW 7155 ACCOUNT INQUIRIES Previous Balance $8,862.77 Total Credit Line $19,300 P.O. Box 15298 Payment, Credits $204.00 Available Credit $10,358 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$161.50 Cash Access Line $19,300 Finance Charges +$120.84 Available for Cash $10,358 PAYMENT ADDRESS New Balance $8,941.11 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/credKcards TRANSACTIONS FINANCE CHARGES I??rlllrlrrlrrlrlrrlrrllrrrlrlrrrrll?lrlrrrllr,lrlrrrllrrllrrl CHASE O Enroll me in the optional Payment Protector Plan. ! understand the enclosed offer and may cancel any time. CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Daily Periodic Rate Corresp. Category 31 days in cycle APR Purchases V.04381% 15.99% Cash advances V.06642% 24.24% Finance Charge Average Daily Balance Due To Periodic Rate $8,897.12 $120.84 $0.00 $0.00 Transaction Accumulated FINANCE Fee Fin Charge CHARGES $0.00 $0.00 $120.84 $0.00 $0.00 $0.00 Total finance charges $120.84 Effective Annual Percentage Rate (APR): 15.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Get 25% off TaxCut Online at www.hrblock.com/ehase/offer and select the online program right for you: TaxCut Basic, Premium or Signature. Valid 12/1/06 to 5/1/07. Discount does not apply to purchase of state programs. Cannot be combined with other offers. Void where prohibited/restricted by law. NEW Unlimited Internet access with PeoplePC Online for only $4.97/month for 3 months, then just $9.951month. With Virus Protection, Pop-Up Blodter, spam controls, Internet Call Waiting, and more! Call today! 1-888-STRYNOW. Mention Offer Code: HANA. Or visit: www.peoplepc.oom/go/hana Why pay a higher rate with other cards, when you may be able to consolidate your balances and save on interest at the same time? Please call the Balance Transfer Hotline at 1-800-945-2014 to see if you qualify today! This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 27 07101/27 Page 1 of 3 05686 MAMA 07294 02610000070000729401 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4366 10041lift 7155 ' New Balance Payment Due Date Past Due Amount Minimum Payment $9,794.51 03124107 $0.00 $272.00 Make your check payable to Chase Card Serolesa: Amount Enclosed $ New address s or a e-mail? Print on n back. CHASE O Tax time is here. Make your pattment using your Chase cred card. For details visit www.chasepayyourtaxes.oom. 436616303768715500027200009794510000003 57420 BEx Z 05907 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 lurlllrl?rlrrlrlrrlrrllrrrlrlrurll?lrlr??llrrlrlrrrllrrllr?l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Inrlllu?lulrl?lulnrlll?l?ul?lrinlrlinulrlullru?l?ll 1:5000 L60281: 2333037687 L55511¦ Opening/Closing Date: 01!28/07 - 02/27/07 CUSTOMER SERVICE Pament Due Dat: CHASE O t n 03/24/07 In U.S. 1-800-945-2 imum Paymen Due: M i $272.00 Espanol 1-888.446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 ME 7155 ACCOUNT INQUIRIES Previous Balance $8,941.11 Total Credit Line $19,300 P.O. Box 15298 Payment, Credits 4210.00 Available Credit $9,505 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$928.30 Cash Access Line $19,300 Finance Charges +$135.10 Available for Cash $9,505 PAYMENT ADDRESS New Balance $9,794.51 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.04381% 15.99% $9,947.29 $135.10 $0.00 $0.00 $135.10 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $135.10 Effective Annual Percentage Rate (APR): 15.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you use your Chase/Hertz discount code CDP# 374210 at hertz.com. EXCLUSIVE OFFER! Get all 40 Uncirculated Statehood quarters from 1999-2006 for just $19.95. You'll SAVE 69% off regular pricesl Hurry - this offer ends on March 31, 2007! To order now, go to: LiftletonCoin.com/Ouarters Why pay a higher rate with other cards, when you may be able to consolidate your balances and save on interest at the same time? Please call the Balance Transfer Hodine at 1-800-945-2014 to see If you qualify today! This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 27 07/02127 Page 1 of 3 05886 MA MA 57420 05910000070005742001 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4366 11011110 7155 New Balance Payment Due Date Past Due Amount Minimum Payment $9,976.03 04/21/07 $272.00 $541.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Pont on back. 436616303768715500054100009976030000005 12826 BEX Z 08607 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IrrrllLrrlrrlrlrLJrrrIILLr,IrIJrrLllrrrrlJ,rllrrrrl,ll 1:5000 ¦60284 2333037687 i55511e Opening/Closing Date: 0218107 - 017107 CUSTOMER SERVICE CHASE 0 Payment Due Date: 04121107 In U.S. 1-800-945-2000 Minimum Payment Due: $541.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 43607155 ACCOUNT INQUIRIES Previous Balance $9,794.51 Total Credit Line $19,300 P.O. Box 15298 Purchases, Cash, Debits +$50.99 Available Credit $9,323 Wilmington, DE 19850-5298 Finance Charges +$130.53 Cash Access Line $19,300 New Balance $9,976.63 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. corn/cred itca rds A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/12 24692167071000485666097 CHASE 'ID PROTECTION 800-362-8182 DE $11.99 03/25 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.04724% 17.24% $9,868.28 $130.53 $0.00 $0.00 $130.53 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $130.53 Effective Annual Percentage Rate (APR): 17.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the Two-cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including new purchases Method (purchases daily balance times purchases daily rate each day only in the current cycle). Pay your taxes the fast and easy way. Just use your Chase card to pay for federal taxes at www.chasepayyourtaxes.com. CHASE O Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl This Statement is a Facsimile - Not an original X 0000001 FI533335 D 5 000 N Z 27 07103/27 Page 1 & 1 05686 MAMA 12826 08810000050001282801 Statement for account number: 4366 10111111111? 7155 New Balance Payment Due Date Past Due Amount Minimum Payment $9,620.77 05122/07 $0.00 $281.00 Make your cheek payable to Chase Card Services. Amount Enclosed $ New New address or e-mail? Print on back. CHASE O I want to purchase optional Payment Protector Plan'. I have read the enclosed offer and may cancel any time. nI as a 436616303768715500028100009620775381578 15141 BEX Z 11707 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 I...III.Ikrlrrlrlrrlrrll.rrlrlr..rllrlrlrrrllrrl.1...llrrllrrl lurlllnrlnlllrlulurlllrlurirlrlnlrlluulrlulluulrll CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:S0001,60281: 2333037687 L55511a Opening/Closing Date: 0312107 - 041217 CUSTOMER SERVICE CHASE O Payment Due Date: 05/22/07 In U.S. 1-800-945-2000 Minimum Payment Due: $281.00 Espanol 1-888046-3308 TDD 1-800.955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: dillOEft7l55 1 302 694-8200 ACCOUNT INQUIRIES Previous Balance $9,976.03 Total Credit Line $19,300 P.O. Box 15298 Payment, Credits -$541.00 Available Credit $9,679 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $19,300 Finance Charges +$146.74 Available for Cash $9,679 PAYMENT ADDRESS New Balance $9,620.77 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04122 LATE FEE 9.00 04/26 11161160200927238382556 Payment Thank You Electronic Chk 541.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.04724% 17.24% $10,019.65 $146.74 $0.00 $0.00 $146.74 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $146.74 Effective Annual Percentage Rate (APR): 17.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS You've been issued a VIP Thank You valued up to $100 as a special savings opportunity from Gift Services, Inc., which is not a Chase affiliate. Log on by 6/15107 to get jewelry from the Madison Collection at low cardmember rate. Visit www.giftcard100.com/jewelry and use code: 31620 Show Mom why she's the best! Send her unforgettable gifts from 1-800-FLOWERS.Com! Get 15%offfresh, beautiful flowers, gorgeous plants, gourmet gift baskets, delicious treats and more when you use promotion code 66CHASE. • For details, please visit www.1800FLOWERS.COM/DISCLAIMER Family 4 Pack: 4 Tickets to Six Flags for just 99 Dollars! Now through June 30, 2007, purchase 4 general admission tickets online to any Six Flags Theme Park and pay just 99 Dollars. Log on to your account at Chase.oom to take advantage of this exclusive offer. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 8 000 N Z 27 07/04/27 Page 1 of 3 05686 MA MA 15141 11710000080001514101 Statement for account number: 4366'IM107155 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,498.36 06121/07 $0.00 $229.00 r Make your check payable to Chase Card Services. I want to purchase optional Amount Enclosed New address or e-mail? Print on back. Payment the Protector I have read the enclosed offer and may cancel any time. colas a 436616303768715500022900009498365400468 SM26 BEx Z 14707D I?u?ll??ulu?rlnlnl?u?l?lnull?l?ln?llnl?lurllul?u? BECKY K DECHENE GARY R DECHENE JR CARDMEMBER SERVICE 356 SAWMILL RD PO BOX 15153 NEWVILLE PA 17241-9580 WILMINGTON DE 19886-5153 Irrrlll,rd?rl?IdrrlrrdlLl??rI,I?IrrLlLrrrldrrllrrrrl?ll 45000160281: 2333037687 LSS511a Opening/Closing Date: 111-112711 CUSTOMER SERVICE CHASE 0 Payment Due Date: 06/21/07 In U.S. 1-800-945-2000 Minimum Payment Due: $229.00 Espahol 1-888446-3308 TOO 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 43667155 ACCOUNT INQUIRIES Previous Balance $9,620.77 Total Credit Line $19,300 P.O. Box 15298 Payment, Credits -$281.00 Available Credit $9.801 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$23.98 Cash Access Line $19,300 Finance Charges +$134.61 Available for Cash $9,801 PAYMENT ADDRESS New Balance $9,498.36 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.coMcreditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/27 24692167117000347749277 CHASE 'ID PROTECTION 800-362-8182 DE 11.99 05/0611261280215266107051798 Payment Thank You Electronic Chk 281.00 05/13 24692167133000638535211 CHASE 'ID PROTECTION 800-362-8182 DE 11.99 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.04724% 17.24% $9,498.35 $134.61 $0.00 $0.00 $134.61 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $134.61 Effective Annual Percentage Rate (APR): 117.241/6 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you identify yourself as a Chase Cardmember by using this code: CDP# 374210 at hertz.com. Save on appliances, MP3 Players, toys, and more at Shoppers Advantage. Earn cash-back rewards on eligible purchases in addition to the low prices. Get details at www. Shoppers Advantage.cem/Chase, where you'll be identified as a Chase Cardmember eligible for this special Trilegiant offer. Whether you intend to stay in your home or buy a new home, we offer a variety of mortgage products to meet your needs. Call 1-866-836.8335 or visit www.chase.com/chasehomeloan for details. Loans are subject to credit and property approval. Certain other restrictions and limitations may apply. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 10 000 N Z 27 07105127 Page 1 of 3 05686 MA MA 58826 14710000100005882601 Statement for account number: 43661 ,11IM7155 New Balance Payment Due Date Past Due Amount Minimum Payment $9,689.64 07122/07 $229.00 $505.00 Make your check payable to Chase Card Services. Amount Enclosed 1$ New address or e-mail.) Print on back. 436616303768715500050500009689640000007 14342 BEX Z 17807 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 CHASE O Irrrlllrlrrlrrlrlrllrrlirrrlrlrrrrlirlrllrrll1rl11,rrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IrrJllrrrlrr6lJrrLrrlllrlrrJdrLdrll,rrrLLJlrrrJJl 43000160281: 2333037687 LSSSIIa Opening/Closing Date: 051107 -17!07 CUSTOMER SERVICE CHASE O Payment Due Date: 07/22107 In U.S. 1-800-945-2000 Minimum Payment Due: $505.00 Espaflol 1-888-4446-3308 TDD 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4366 102IM7155 ACCOUNT INQUIRIES Previous Balance $9,498.36 Total Credit Line $19,300 P.O. Box 15296 Purchases, Cash, Debits +$50.99 Available Credit $9,610 Wilmington, DE 19850-5298 Finance Charges +$140.29 Cash Access Line $19,300 New Balance $9,689.64 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06112 24692167163000173656292 CHASE 'ID PROTECTION 800-362-8182 DE 11.99 06/22 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.04724% 17.24% $9,579.71 $140.29 $0.00 $0.00 $140.29 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $140.29 Effective Annual Percentage Rate (APR): 17.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X0000001 F1933335 D 10 000 N Z 27 07106127 Page 1 of 1 05686 MA MA 14342 17810000100001434201 Statement for account number: 43661SOPIM7155 New Balance Payment Due Date Past Due Amount Minimum Payment $9,970.56 08/21/07 $505.00 $885.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail. Print on back. 436616303768715500088500009970560000002 50750 eEx Z 20807 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 CHASE O Irirlllilrrlrrlrirrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllirllirl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IrrJILriIrJJJrJrrJllrlrrilrlrLilrllrrrrl,Lrllrrrilrll 1:5000 160281: 2333037687 i55 511e Opening/Closing Date: 06/28/07 - 07/27/07 CUSTOMER SERVICE CHASE O n imum Payment Due: Mi $885.00 Espaflol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call tolled 1-302-594.8200 +a? ACCOUNT INQUIRIES VISA ACCOUNT SUMMARY Account Number: 4366 t?1155 P.O. Box 15298 Previous Balance $9,689.64 Total Credit Line $19,300 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Available Credit $9,329 PAYMENT ADDRESS Finance Charges +$241.92 Cash Access Line $19,300 P.O. Box 15153 New Balance $9,970.56 Available for Cash $0 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our webs to displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/22 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $9,813.80 $241.92 $0.00 $0.00 $241.92 Cash advances V.08217% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $241.92 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 10 000 N Z 27 07/07127 Page 1 of 1 05686 MA MA 50750 20810000100005075001 Statement for account number: 4366 7155 - New Balance Payment Due Date Past Due Amount Minimum Payment $10,266.92 09/21/07 $885.00 $1,284.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 436616303768715500128400010266920000008 13198 BEX Z 23907 0 BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 IIIrIILrrIr,I?IrlrrLrilllrlr,rl,IrL,I,Iliii,IJidLrr?Lll CHASE O Irrrlllrl?rl?rlrlirlrrllrrrlrlrrrrllilrlrirlirilrlrrrllrrllfrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 &60 281: 2333037687 &55 5115 Opening/Closing Date: 07/28107 - 08/27/07 CUSTOMER SERVICE CHASE O 1 1 Minimum Payment Due: ,264 $ .00 EspaPtol 1-888-446--3308 TDD 1-80D-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 7155 ACCOUNT INQUIRIES Previous Balance $9,970.56 Total Credit Line $19,300 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $9,033 Wilmington, DE 19850-5298 Finance Charges +$257.36 Cash Access Line $19,300 New Balance $10,266.92 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/cred itrards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 08/21 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $10,103.27 $257.36 $0.00 $0.00 $257.36 Cash advances V.08217% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $257.36 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X0000001 FI533335 D 6 000 N Z 27 07108127 Page 1 of 1 05886 MAMA 13198 23910000080001319801 Statement for account number: 4366 1BINIft 7155 " New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,270.15 10/22!07 $984.00 $1,389.00 Make your cheek payable to Chase Card Services. Amount Enclosed $ New address or e-mail? il? Print on on back. 436616303768715500138900010270150000002 14647 BEX Z 27007 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 L1rIIIr?J??IJdr?111dIIJ1r?l,LlldAllrA?r1111?IL?1rLll 1??1111?1r?1??1?1?11r?llrr,l?lr??rll?l?ll??lll?l?l???111?11?11 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,60281: 2333037687 L555iin Openin1losing Date: 11111-1711 CUSTOMER SERVICE CHASE O Payment Due Date: 10/22107 In U.S. 1-800-945-2000 Minimum Payment Due: $1,389.00 Espahol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call tolled 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4368Mt?7155 ACCOUNT INQUIRIES Previous Balance $10,286.92 Total Credit Line $19,300 P.O. Box 15298 Payment, Credits -$300.00 Available Credit $9,029 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $19,300 Finance Charges +$264.23 Available for Cash $0 PAYMENT ADDRESS New Balance $10,270.15 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/crediteards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/21 LATE FEE $39.00 09/25 12682680844450515900005 PAYMENT - THANK YOU 300.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $10,374.23 $264.23 $0.00 $0.00 $264.23 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $264.23 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Your 2007-2008 Privacy Notification is enclosed for your record. This Statement is a Facsimile - Not an original X 0000001 FIS33335 0 6 000 N Z 27 07/09/27 Page 1 of 1 05686 MA AAA 14647 27010000080001464701 Statement for account number: 43661 ~ 7155 New Balance Payment Due Date Past Due Amount Minimum Payment $10,565.52 11/21107 $1,389.00 $1,790.00 Make your check payable to Chase Card Services. Amount Enclosed ? New address or e-mail'.) Print on back. 436616303768715500179000010565520000008 44921 SEX Z 30007 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 IrrJllrrrLJrl,1,rlrrrlllJrrrlJllrrl,IlrrrJrLJlrrrrLll CHASE O Irl?lllrlrrlrrlrlrllrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrll111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 2333037687 i555tin OpeninglClosing Date: 018107 -10/27/07 CUSTOMER SERVICE nt CHASE O n 1 08 imum Payme Due: Mi $ 1,790.00 Espaflol 1-888-446-330 8 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call tolled 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4988 X7155 ACCOUNT INQUIRIES Previous Balance $10,270.15 Total Credit Line $19,300 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $8,734 Wilmington, DE 19850-5298 Finance Charges +$256.37 Cash Access Line $19,300 New Balance $10,565.52 Available for Cash $0 PAYMENT A00RESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.comlcreditcards You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10122 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $10,401.26 $256.37 $0.00 $0.00 $256.37 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $256.37 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 6 000 N 2 27 07110127 Page 1 of 1 05686 MA MA 44921 29910000060004492101 Statement for account number: 4366 ISS1111111^7155 ' y New Balance Payment Due Date Past Due Amount Minimum Payment $9,980.67 12/22/07 $424.00 $636.00 Make your check payabike to Chase Card Sarvicsa. Amount Enclosed $ New address or e-mail? l? Print on back. 436616303768715500063600009980670000005 17015 BEX Z 33107 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 I,r?Ill,rrLrl,1,Lrlrrrlllrl,rrl,LlyddlrrrdJrrlirrrdrll CHASE O Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrirlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60281: 2 3 3 30 3 768? i5 SSllw Opening/Closing Date: 10/28/07 -11/27!07 CUSTOMER SERVICE CHASE 0 Payment Due Date: 12/22/07 In U.S. 1-800-945-2000 Minimum Payment Due: $636.00 Espahol 1-888.446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4388 IM 11?7755 ACCOUNT INQUIRIES Previous Balance $10,565.52 Total Credit Line 0 P.O. Box 15298 31 Payment, Credits $636.00 Available Credit $9, 9 Wilmington, DE DE 19850-5298 Finance Charges +$51.15 Cash Access Line $19,300 New Balance 9,g80.67 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 11/01 13053050800004572822748 Payment - Thank You 36.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $10,036.52 $51.15 $0.00 $0.00 $51.15 Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $51.15 Effective Annual Percentage Rate (APR): 6.00% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 5 000 N Z 27 07111127 Page 1 of 1 05686 MAMA 17015 33110000050001701501 Statement for account number: 4366 10111111111& 7155 w New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,030.02 01/21/08 $636.00 $848.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address ore-mail? l? Print on on back. 43661630376871550008480001003002000DD03 17103 9Ex Z 36107 D 11111111 I I I I111111111111111111111111111111111111111111II11I I I I BECKY K DECHENE GARY R DECHENE JR CARDMEMBER SERVICE 356 SAWMILL RD PO BOX 15153 NEWVILLE PA 17241-9580 WILMINGTON DE 19886-5153 11111111111111111111111111111111111111111111111111111111111111 45000 160 281: 2333037687 L55511a Opening/Closing Date: 11/28/07 -12/27/07 CUSTOMER SERVICE CHASE O Minimum Payment Due: $648.00 Espaeial 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 436617155 ACCOUNT INQUIRIES Previous Balance $9,980.67 Total Credit Line $19,300 Box 15298 Finance Charges +$49.35 Available Credit $9,269 Wilmington, Wilmington, DE 19850-5296 Cash Access Line New Balance $10,030.02 $19,300 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955.8030 (collect 1-302-5948200) today. FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $10,004.54 $49.35 $0.00 $0.00 $49.35 Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $49.35 Effective Annual Percentage Rate (APR): 6.00% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 0 5 000 N Z 27 07112127 Page 1 of 1 05686 MAMA 17103 36110000050001710301 Statement for account number: 4366 'W! 7155 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,081.27 02/21/08 $848.00 $1,060.00 I-I Make your check payable to Chase Card 8ervlcea. Amount Enclosed $ New address or a-mall? Print on back. 436616303768715500106000010081270000003 17275 BEX Z 02708 D l l l l l l l l l l l l l l I I l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l BECKY K DECHENE GARY R DECHENE JR CARDMEMBER SERVICE 356 SAWMILL RD PO BOX 15153 NEWVILLE PA 17241-9580 WILMINGTON DE 19886-5153 hull1111111IIllllllllllll1l111l 111 11111 1111111 111 ll 111 ll 1111 1:5000 i60 281: 2333037687 L55So Opening/Closing Date: 121117-111711 CUSTOMER SERVICE CHASE O Payment Due Date: 02121/08 In U.S. 1-800-945-2000 Minimum Payment Due: $1,060.00 Espaffol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 436611@407155 ACCOUNT INQUIRIES Previous Balance $10,030.02 Total Credit Line $19,300 P.O. Box 15298 Finance Charges +$51.25 Available Credit $9218 Wilmington, DE 19850-5298 New Balance $10,081.27 Cash Access Line $19,300 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .01644% 6.00% $10,054.81 $51.25 $0.00 $0.00 $51.25 Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $51.25 Effective Annual Percentage Rate (APR): 6.00% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 5 000 N Z 27 081OW7 Page 1 of 1 06688 MAMA 17275 02710000050001727501 Statement for account number: 4366 111DW 7155 New Balance Payment Due Date Past Due Amount Minimum Payment $10,245.51 03/23/08 $1,060.00 $1,326.00 Make your check pal? Print Chase Card Services. Amount Enclosed $ New address or a-mall. on back. 436616303768715500132600010245510000009 16327 BEX Z 05808 D BECKY K DECHENE GARY R DECHENE JR 356 SAWMILL RD NEWVILLE PA 17241-9580 lurlllnrlulrlilulnrlllrlrulrlrlulrllunlrlulluulrll CHASE O I,r?lllrl?rlr?lrlr?lrrllrrrlrlr?rrll?lrl?„Ilr?lrlrr?llrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60281: 233303768 7 L555tt¦ Opening/Closing Date: 01/28/08 - 0118 CUSTOMER SERVICE CHASE O O Minimum Payment Due: $ Espatiol 1-8884485 3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 436A?N&7155 ACCOUNT INQUIRIES Previous Balance $10,081.27 Total Credit Line $19,300 P .O. Box 15298 Purchases, Cash, Debits +$35.00 Available Credit $9,054 Wilmington, DE 19850-5298 Finance Charges +$129.24 Cash Access Line $19,300 New Balance $10,245.51 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Its not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 02/22 LATE FEE $35.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .04107% 14.99% $10,150.36 $129.24 $0.00 $0.00 $129.24 Cash advances .04107% 14.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $129.24 Effective Annual Percentage Rate (APR): 14.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 27 06/02/27 Page 1 of 1 05886 MAMA 16327 05610000070001632701 Statement for account number: 4366 4001" 7155 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,403.30 04121/08 $1,326.00 $1,587.00 ? Make your check payable to Chase Card Services. Amount Enclosed $ New address or email? Print on back. 436616303768715500158700010403300000007 19294 BEX Z 08708D Irr1111r11rIr1111rrLJLIrLLrrr11,1,1rrr11rr1r11rJLJlrrl BECKY K DECHENE GARY R DECHENE JR CARDMEMBER SERVICE 356 SAWMILL RD PO BOX 15153 NEWVILLE PA 17241-9580 WILMINGTON DE 19866-5153 lurlllnrlulrlrlnlnrlllrlurlrirlulrlluulrlnl?nnlrl? 1:5000160281: 2 3 3 30 3 768? 1 55511' Opening/Closing Date: 02Y2" - 03/27/08 CUSTOMER SERVICE nt CHASE O Minimum Payme Due: $ ,587.00 EspaM1ol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 7155 ACCOUNT INQUIRIES Previous Balance $10,245.51 Total Credit Line $19,300 Box 15298 Purchases, Cash, Debits +$35.00 Available Credit Wilmingtonn, , DE $8,896 Wilmington, DE 19850-5298 Finance Charges +$122.79 Cash Access Line $19,300 New Balance $10,403.30 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.corn/creditcards You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1.888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/24 LATE FEE $35.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .04107% 14.99% $10,309.43 $122.79 $0.00 $0.00 $122.79 Cash advances .04107% 14.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $122.79 Effective Annual Percentage Rate (APR): 14.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 0000001 FIS33335 D 6 000 N Z 27 08/03/27 Page 1 d 1 05686 MAMA 19294 08710000080001929401 X Statement for account number: 4366 '1011111ft 7155 New Balance Payment Due Date Past Due Amount' Minimum Payment CHASE O $10,571.66 05/22/08 $1,587.00 $1,861.00 Make your check payable to Chase Card Services. Amount Endosed 1 $ New address or a-mall? Print on back. 436616303768715500186100010571660000007 17163 Bt3X Z 11808D Lr1111JrJr?Irlr?Lr161rl,LrrrIlrLLrr111rl,LrrILJL?I BECKY K DECHENE GARY R DECHENE JR CARDMEMBER SERVICE 356 SAWMILL RD PO BOX 15153 NEWVILLE PA 17241-9580 WILMINGTON DE 19886-5153 1,r111L,rl,dJrl,dllrIIL111r1,1,11rldIr,rJrllrllrrrrl,ll 45000L60284 2333037687L555110 Opening/Clostng Date: 1101-11111 CUSTOMER SERVICE CHASE 0 Payment Due Date: 05/22108 In U.S. 1-800-945-2000 Minimum Payment Due: $1,861.00 Espaflol 1-888-446-3308 TDD 1-800-955.8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4366 IMONW71 55 ACCOUNT INQUIRIES ' Previous Balance $10,403.30 Total Credit Line $19;300 Box 15298 Purchases, Cash, Debits +$35.00 Available Credit Wilmingtonn, , DE $8 728 Wilmington, DE 19850-5298 Finance Charges +$133.36 Cash Access Line $19,300 New Balance $10,571.66 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1888-792-7547 (collect 1-302-594-8200). TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/22 LATE FEE 5.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .04107% 14.99% $10,474.38 $133.36 $0.00 $0.00 $133.36 Cash advances .04107% 14.99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $133.36 Effective Annual Percentage Rate (APR): 14.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 0000001 FIS33335 D 9 000 N Z 27 06!04/27 Page 1 of 1 05686 MAMA 17163 11810000090001716301 X EXHIBIT C CHASE O IrXHINIT A BILL OF SALE Chme Bank USA, N.A. for value received and pursuant to the tams and conditions of Credit Card Accow t Purchase Agreement dated May 7, 2009 between Seller and Turtle Creek Assets, Ltd.. by and through its general pwrbw Forward Properties Inteawtional, Inc. ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of December 10, 2009 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Number of Accounts 28780 Total Unpaid Balances $116 60,103.37 Premium Due Seller Amounts doe to Seller by Purrcchaser in hereander 0a11 be paid U.S. Dollars by a wire transfer to be received by Seller no Inter than Janosry 6, 2010 (the "Closing Date") by 2:00 p.m. Seller's time, as folkrws: OA MW* USA, N.A. ABA 002100000 Banallclery NanN: CAW Bank tMA, N.A. BaneRclary Account: N304-400M This Bill of Sale is execumd with" recourso except as stated in the Credit Card Account Purchase Agreement to which this is an Exlubit. No other nepresernation of or war arty of title or enforceability is expressed or implied. chm Ha .A. Date: Dwanber 31.2009 TT& Ooeratioas MWMK Turt By: Date: Title EN=rr A BILL OF SALE Turtle Creek Assets, Ltd., by and through its general partner, Forward Properties International, Inc. {"Seller'), for value received and pursuant to the terms and conditions of the Credit Card Account Purchase Agreement between Seller and FOUR SEASONS INVESTMENTS ("Purchaser'l, hereby sells, conveys, transfers and assigns to Purchaser, effective as of the File Creation Date of January 20, 2010, all rights, title and interest of Seller in and to those certain accounts, receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes (the "Accounts). Number of Accounts 1,008 Total Unpaid Balances $4,041,789.83 The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a national banking association ("Original Creditor') as evidenced by the Bill of Sale from Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all purposes. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Turtle Creek Assets, Ltd., a Texas limited partnership By: Forward Pro late tional, INC., its general partner By: Gordon We, President w EXHIBIT D SHAPIRO LAW OFFICE, P.C. P.O. Box 1050 33 Rock Hill Road - Suite 150 Bala Cynwyd, PA 19004-5050 (610) 668-0707 Fax (610) 668-1815 January 26, 2010 File No. FV395 Visa Account# 4366155 Becky K. Dechene Gary R. Dechene 356 Sawmill Rd # 911 Newville. PA 17241 9580 RE: Creditor. Four Seasons Investments.. LLC Debtor: Becky K. Dechene Gary R. Dechene Dear Becky K. Dechene, Gary R. Dechene Four Seasons Investments. LLC as successor in interest to Chase Bank, has retained this firm to collect the debt of $100.571.66 that you now owe to Four Seasons Investments. LLC. You should direct all future communications regarding this matter to our attention at the above address and telephone number. The account is overdue. Payment in full is hereby requested. You have not paid the balance due on the account and are in default of your agreement. Please contact this office within thirty (30) days of the date of this letter to make arrangements for payment of the above debt. Monthly payments are acceptable. We only ask that you remember this debt each month when you pay vour other bills. we do not hear from you within thirty days, we may proceed with all actions of law. without further demand. Very truly yours. Peter C. Fridirici. Esq. For the Finn F YOU DO NOT DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION OF IT VITHIN 30 DAYS AFTER RECEIPT OF THIS LETTER, WE WILL ASSUME IT IS VALID. IF 'OU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION OF IT IN WRITING VITHIN THE 30 DAYS, WE WILL MAIL VERIFICATION OF THE DEBT TO YOU OR A 'OPY OF THE JUDGMENT IN THE ABOVE MATTER. AT YOUR WRITTEN REQUEST, VITHIN 30 DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS LETTER ND ANY FUTURE LETTERS FROM OUR DEBT COLLECTION FIRM ARE AN ATTEMPT O COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT URPOSE. ,~ Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff, vs. Becky K. Dechene Gary R. Dechene Defendant(s). IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL CASE NO. 10-2341 Civil Term OFFICE OF THE PROTHONOTARY TO: Becky K. Dechene, Gary R. Dechene NOTICE PURSUANT TO RULE 236, YOU ARE HEREBY NOTIFIED THAT A JUDGMENT HAS BEEN ENTERED FOR WANT OF AN ANSWER IN THE ABOVE PROCEEDING, AND THAT ENCLOSED HEREWITH IS A COPY OF ALL RECORD DOCUMENTS FILED IN SUPPORT OF THE SAID JUDGMENT. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL. Kenneth S. Shapiro, Esq. SHAPIRO LAW OFFICE, P.C. P.O. BOX 1050 33 Rock Hill Road, Suite 150 Bala Cynwyd, PA 19004 (610) 668-0707 Four Seasons Investments, LLC Plaintiff, IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY vs. Becky K. Dechene Gary R. Dechene CNIL CASE NO. 10-2341 Civil Term Defendant(s). PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against the defendant(s) Becky K. Dechene, Gary R. Dechene for want of an answer. Assess Damages as Follows: Debt Attorneys' Fees Per Agreement Total -~ 4 J N C~ ~ _=. ~e ' ' ,.K. _. $ 10,571.66 T _.. i `w" -~.;,- ' - 5 ~.~ ~~ ~.• r'• $ 750.00 ~/ ~.. ` $11,321.66 = {.._- ' ~;, ,~ ,~ ~~ .. ;-, I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. ~~ ~-ya~~ ~~~tc~ s ,..4J ~e~ I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to their attorney of record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe. A copy of the notice is attached. R.C.P. 237.1 AND NOW / ' (~ a- ~ ~ ~ ~ ,Judgment is entered in favor of Four Seasons Investments, LLC, and against Becky K. Dechene, Gary R. Dechene by Default for want of an answer in the above proceeding and damages assessed at the sum of $11,321.66 as per the above certification. Prothonotary For the Firm Attorney for Plaintiff SHAPIltO LAW OFFICE, P.C. Kenneth S. Shapiro, Esq. Attorney I.D. #26850 P.O. Box 1050 33 Rock Hill Road, Suite 150 Bala Cynwyd, Pennsylvania 19004 Telephone No.:(610)-668-0707 Four Seasons Investments, LLC Plaintiff, IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY vs. Becky K. Dechene Gary R Dechene CNIL CASE NO. 10-2341 Civil Term Defendant(s). CERTIFICATION OF MAILING OF WRITTEN NOTICE OF INTENTION TO FILE FOR DEFAULT JUDGMENT (Pa RCP 237.1) TO THE PROTHONOTARY: I hereby certify that on May 4, 2010, I sent by first class mail to the defendants, Becky K. Dechene, and Gary R. Dechene a Notice of Intention to Cause Judgment to be entered against them by default., A true and correct copy of said notice is attached hereto and made part hereof. The notice was sent after default occurred and more than ten (10) days prior to the filing of the praecipe for judgment by default for failure to file an answer in the above proceeding. Date: l~c.~ ~ °~~ ~ ~ SHAPIRO LAW OFFICE ~~~ Kennet apiro, Es ire For the Firm Attorney for Plaintiff Four Seasons Investments, LLC P.O. Box 213 Wynnewood, PA 19096 Plaintiff, vs. Becky K.Dechene Gary R. Dechene Defendant(s). TO: Becky K. Dechene Gary R. Dechene 356 Sawmill Rd #9LL Newville, PA 17241-9580 IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY CNIL CASE NO. 10-2341 Civil Term IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Lawyer Referral Service Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (800)990-9108 DATE: May 4, 2010 PIRG LAW P Kenneth S.~'apiro, Esqu~i-e Attorney I.D. #26850 / P.O. BOX 1050 33 Rock Hill Road, Suite 150 Bala Cynwyd, Pennsylvania 19004 (610) 668-0707 SHAPIItO LAW OFFICE, P.C. Kenneth S. Shapiro, Esq. Attorney I.D. #26850 P.O. BOX 1050 33 Rock Hill Road, Suite 150 Bala Cynwyd, PA 19004 (610)668-0707 Four Seasons Investments, LLC. Plaintiff, IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY vs. Becky K. Dechene Gary R. Dechene CIVIL CASE NO. 10-2341 Civil Term Defendant(s). CERTIFICATION OF ADDRESS [ hereby certify that the address of the Plaintiff is P.O. Box 213 Wynnewood PA 19096; and the last known address of the Defendants, to the best of my knowledge, information and belief is: 356 Sawmill Rd #9LL Newville, PA 17241-9580 Attorney for Plaintiff i ~ • ~ , Four Seasons Investments, LLC IN THE COURT OF COMMON PLEAS Plaintiff(s), FOR CUMBERLAND COUNTY vs. Becky K. Dechene Gary R. Dechene Defendant(s). CIVIL CASE NO. 10-2341 Civil Term AFFIDAVIT OFNON-MILITARY SERVICE I, Peter Shapiro, being duly sworn according to law, depose and say that the defendant(s) in the above matter are not in the military service of the United States of America or any state or territory thereof, or its allies, and are in no way subject to the Soldiers' and Sailors' Relief Act of 1940 and its amendments. On the contrary, the said defendant(s) are civilians residing at: 356 Sawmill Rd #9LL Newville, PA ] 7241-9580 Sworn to and Subscribed Before me this a L( day of -'ri.~l , 2010 Notary Public ~~~~ COMMONWEALTH OF PENNSYLVANIA ter S it Managing Director NOTARIAL SEAL , CARON A. SHAPIRO,Notary Public Lpwer Marion Twp., Montgomery County Comrrtission Expires July 27, 2012