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10-2695
Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. 3700 WISEMAN BLVD BLDG 2 1ST FLOOR SAN ANTONIO, TX 78251 Plaintiff, vs. KELLY MAXWELL AWA KELLY DICE 332 10TH ST NEW CUMBERLAND, PA 17070-1306 Defendant. FILED-AYFCCE 1')'F THE I f i"vOWY 2010 APR 22 PPS 2: 46 NEI COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: /O r oZ?.4.? NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA 17013 717-249-3166 Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. 3700 WISEMAN BLVD BLDG 2 1 ST FLOOR SAN ANTONIO, TX 78251 Plaintiff, VS. KELLY MAXWELL A/K/A KELLY DICE 332 10TH ST NEW CUMBERLAND, PA 17070-1306 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is CHASE BANK USA, N.A., 3700 WISEMAN BLVD BLDG 2 1 ST FLOOR, SAN ANTONIO, TX 78251. 2. Defendant(s) is/are KELLY MAXWELL A/K/A KELLY DICE, an adult individual residing at 332 10TH ST NEW CUMBERLAND, PA 17070-1306. 3. At the special instance and request of Defendant, Plaintiff, CHASE BANK USA, N.A., issued to Defendant(s), Account #4640182025218862. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $4,807.13. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $4,807.13 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney f 1 'ntiff A Law Firm End d in Debt Collection BY: David J. AAot?Ka!$A Esquire Dated: 4/14/2010 Our File No.: 253792 VERIFICATION David J. Apothaker, Esquire, Esq. hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C/9.A. 4904 relating to unworn falsification to authorities. Apothaker, Esquire nev for Plaintiff DATE: 4/14/2010 CHASE BANK USA, N.A. KELLY MAXWELL A/K/A KELLY DICE 332 10TH ST NEW CUMBERLAND, PA 17070-1306 STATEMENT OF ACCOUNT Debtor's Name: KELLY MAXWELL A/K/A KELLY DICE Account Number: 4640182025218862 Balance Due: $4,807.13 Our File No.: 253792 EXHIBIT "A" 253792 Request for Service R. Thomas Kline Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle, PA 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiff/s: Court Number: CHASE BANK USA, N..A. Expiration Date: Type of Action: Civil Action Defendant/s: KELLY MAXWELL A/K/A KELLY DICE Serve Upon: KELLY MAXWELL A/K/A KELLY DICE Address for Service: 332 10TH ST NEW CUMBERLAND, PA 17070-1306 Alternate Address for Service: Type of Service: ( ) Personal (X) Adult in Charge O Deputize O Certified Mail O Posting Special Service Instructions: ** If service is to be made by deputized service to another county please specify which county Filing Attorney Information: Name: Apothaker & Associates, P.C. Address: 520 Fellowship Road C306 Mount Laurel, NJ 08054 Telephone: 215-634-8920 IZr TJ•ic ~'~i~~'tii!'~!~T11f?Y CHASE BANK USA, N.A. 3700 WISEMAN BLVD. BLDG 2 1 S` FL SAN ANTONIO, TX 78251 vs. KELLY MAXWELL A/K/A KELLY DICE 332 10TH ST. NEW CUMBERLAND, PA 17070 1giU i~~Y 17 P~ i ~ ~~ C O U R ~~ ;~ ,Q, i V I~ I4~ { ~. CUMBERL~~I' r+'Y DOCKET NO.: 10-2695 CIVIL TERM ANSWER Comes the Defendant, KELLY MAXWELL A/K/A KELLY DICE, and for her answer to the Complaint filed herein against her states as follows: 1. Admit. 2. Admit. 3. Admit. 4. Admit. 5. Defendant does not have knowledge if amount stated in paragraph 5 is accurate. Supporting documentation is requested. 6. Admit. 7. Defendant enrolled in a debt management program, administered by Sierra Financial Solutions, in May of 2009. Defendant is attempting to negotiate a settlement with Plaintiff, through Sierra Financial Solutions, 2222 Michelson Dr., Ste. 222-601, Irvine, CA 92612-1332 Ph. 949-777-2396 Fax 949-777-3481, who has Limited Power of Attorney to negotiate on behalf of the Defendant. WHEREFORE, Defendant prays that the Complaint filed herein against her be dismissed; for her costs herein expended; and far any and all other just and proper relief. ~'~~~~ ,Pro Se KELLY MAX WELL A/K/A KELLY DICE 332 10TH ST. NEW CUMBERLAND, PA 17070 717-770-2233 ~ ~ CERTIFICATE OF SERVICE In the matter of CHASE BANK USA N.A. vs. KELLY MAXWELL A/K/A KELLY DICE, COURT OF COMMON PLEAS, CUMBERLAND COUNTY, DOCKET NO: 10-2695 CIVIL TERM. I hereby certify that I have this 17TH day of MAY, 2010, served DAVID J. APOTHAKER, ESQUIRE, APOTHAKER & ASSOCIATES, P.C., 520 FELLOWSHIP RD. C306, MOUNT LAUREL, NJ 08054 with •e-paid. Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff CHASE BANK USA, N.A. Plaintiff, VS. KELLY MAXWELL A/K/A KELLY DICE OF fiICE TA P, 26/0 DE. C 8: Utj$E8LAtio PENAY1.VAC?r????? COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 10-2695 CIVIL TERM Defendant. PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Please substitute the attached Verification in place of the Attorney's Verification on the Complaint filed on April 22, 2010. APOTHAKER & ASSO ES, P.C. Attorneys for aint' f A Law Firm Engaged fin Debft Collection By: David J. Apoth er, Dated: December 16, 2010 253792/WBZC ft&X R. 0XV.- VERIFICATION hereby states that I am Aakot?tttcmm for Plaintiff, CHASE BANK USA, N.A., in this action, and I am authorized to make this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A.4904 relating to unsworn falsification to authorities. Dated: Account No.: 4640182025218862 KELLY MAXWELL tJ Akaraz i_ Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. iLED-()F* H CE r ",)E PROTHONOTAR`` 2011 MAR 10 AM 10= 20 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. KELLY MAXWELL A/K/A KELLY DICE NO.: 10-2695 CIVIL TERM Defendant Civil Action MOTION FOR SUMMARY JUDGMENT Plaintiff, CHASE BANK !USA, N.A., respectfully requests that the Court enter an Order granting Summary Judgment in its favor for the following reasons: 1. There are no genuine issues of material fact to decide. 2. Plaintiff, CHASE BANK USA, N.A., filed a Complaint to recover a $4,807.13 balance on the defendant's dellinquent account with CHASE BANK USA, N.A.. A copy of Plaintiff's Complaint is attached hereto as Exhibit "A" and incorporated by reference herein. 3. Defendant, KELLY MAXWELL A/K/A KELLY DICE, filed an Answer to the Complaint in which defendant admits owing the debt but disputes the amount sought by Plaintiff. A copy of Defendaipt's Answer is attached hereto as Exhibit "B" and incorporated by reference herein. 4. In further support of its claim, Plaintiff attaches hereto the Cardmember Agreement for defendant's account. 5. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account, the last of which evidences the balance Plaintiff seeks in the within matter. 6. Defendant has failed to sustain the burden of presenting facts which contradict the averments of Plaintiff's Complaint. 7. Plaintiff has demonstrated that there is no genuine issue of triable fact. WHEREFORE, Plaintigdemands judgment in favor of Plaintiff and against Defendant(s) for the sum of $4,807.13 plus court costs of $135.30, totaling $4,942.43. APO THAKER & ASSOCIATES, P.C. Attorney for P aintiff A L?w Firm Engaged/ Debt Collection BY: Esquire Dated: March 7, 2011 Our File No.: 253792 APOTHAKER & ASSOCIATE , P.C. By: Benjamin J. Cavallaro, E" ire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. ) Plaintiff ) vs. ) KELLY MAXWELL A/K/A KELLY ) DICE ) Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 10-2695 CIVIL TERM Civil Action PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT Facts Plaintiff, CHASE BANK' USA, N.A., by the undersigned attorneys, respectfully submits this brief in support of its motiori for an order for Summary Judgment. Plaintiff extends credit for purchases made by customers who assent to a credit agreement. In the agreement, Plaintiff promises to extend a credit account to the customer in consideration of the customer's promise to repay in full the outstanding balance due plus interest incurred. Defendant, KELLY MAXWELL A/K/A KELLY DICE, entered into a credit agreement with the Plaintiff. Defendant purchased goods pursuant to the credit agreement. As Defendant has failed to make payments in accordance with the credit agreement on the Outstanding balance, defendant is in breach of contract. Plaintiff filed a Complaint on or about April 14, 2010. Defendant filed an Answer, in which defendant admits the exist4nce of this debt, and claims to be liable on this account. Defendant is without knowledge as to the balance due, however. In further support of its claim, Plaintiff attaches hereto the Car4member Agreement for defendant's account. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account, the last of which evidences the balance Plaintiff seeks in the within matter. Plaintiff has successfully established the requisite elements of its claim, a contractual duty, a breach of said duty and resulting damages. As there are no genuino issues of material fact to be decided, Plaintiff is entitled to Summary Judgment. Legal Ar umen_t Pa.R.C.P. No. 1035.2 stafes that a Motion for Summary Judgment may only be granted when there is no genuine issue of material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. Pa.R.C.P. No. 1035.2(l). A material fact for motion on summary judgment is one that directly affects the outcome of the case. Fortney v. ?allenberger, 801 A. 2d 594 (Pa. Super. 2002). Application of this rule has held that summary j?dgment may be granted only in those cases where the right to summary judgment is clear and free from doubt. Laich v. Bracey, 776 A. 2d 1022, (Pa.Cmwlth, 2001). The purpose of the summery judgment procedure is to prevent vexation and delay, improve the machinery of justicei promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. A motion for summary judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving § 1035(b); Allen v. Merriweather, Co. Inc, 410 Pa. Super. 591, 593 party is entitled to judgment as a matter of law. Pa.R.C.P. 413 Pa. Super. 410, 411 (1992); Beasel v. New Blvd. Baking (1991). In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thompson v Nason, 3h9 Pa. Super. 115 (1988), aff'd, 527 Pa. 330 (1991). The Court must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to unco#troverted allegations in the pleadings. Pa.R.C.P. § 1035; Overly v. Kass, 382 Pa. Super. 108 (1989). The party requesting Summary Judgment bears the burden of demonstrating clearly that there is no genuine issue of mate?ial fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 29$ (1988); aff'd, 525 Pa. 205 (1991); Allen, 413 Pa. Super. at 411; Beasel, 410 Pa. Super. at 594; Hewer v. WhitmarkAssoc? 371 Pa. Super 443 (1988). In response, the nonmoving party may not resi upon the pleadings, but must set forth specific facts controverting the movant's case. Pa.R.C.P. §1035.3; Phaffv._Gerner, 451 Pa. 146 (1973). A review of the pleadings as a who?e in the instant case reveals that Defendant has failed to sustain its burden of presenting facts which contradict the elements of Plaintiff's claim. Conclusion Plaintiff has demonstrated sufficient facts to warrant summary judgment in its favor. Once Plaintiff satisfies its burden6 Defendant must demonstrate facts which would create a genuine issue for trial. Phaff, supra. Defendant has failed to sustain its burden of presenting facts which would contradict the Olements of Plaintiff s claim. WHEREFORE, Plaintiff demands Judgment in favor of Plaintiff and against Defendant(s) for the sum of $4,807.13 plus court costs of $135.30, totaling $4,942.43. AP?THAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged ' ebt Collection B f,'ami avallaro, Esquire Dated: March 7, 2011 Our File No.: 253792 APOTHAKER & ASSOCIATE 1, P.C. By: Benjamin J. Cavallaro, Esqu re Attorney I.D. 4307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff VS. KELLY MAXWELL A/K/A KIJLLY DICE NO.: 10-2695 CIVIL TERM Defendant TIFICATION OF SERVICE Civil Action I, Benjamin J. Cavallaro,i Esquire, attorney for Plaintiff, certify that on March 7, 2011, I mailed a copy of Plaintiff's Ord?r, Motion for Summary Judgment and Brief in support thereof to: KELLY MAXWELL A/K/A LY DICE 332 10TH ST NEW CUMBERLAND, PA 170 0-1306 AP9THAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in DpgCollection BY Esquire Dated: March 7, 2011 Our File No.: 253792 p' 7 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. 438423 524 Fellowship Road C306 Mount Laurel; NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK. USA, N.A. 3700 WISEMAN BLVD BLDG 2 I ST !! FLOOR SAN ANTONIO) X 78251 Plaintiff, vs. KELLY MAXWELL A:`K/A KELLY DICE 332 1OTH ST NEW CUMBERLAND, PA 17074-1306 Defendant. lL n ?Y Wo A FR 22 Fm 2. 45 COURT OF COMMON PLEAS CUMBERLAND COUNTY ?- -' NO.: 10 - 01,tF T s L 1 NOTICE You have been sued in court. Ifl you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney afid filing in writing with the court your defenses or objections to the claims set forth against you. You are earned 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 ON °, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET L ..GAL HELP. IF YOU CANNOT AFFORD T HIRE A LAWYER., THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR. ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA 17013 717-249-3166 Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. 438423 520 Fellowship Road 0306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. 3700 WISEMAN BLVD BLDG 2 1ST FLOOR SAN ANTONlO, `T`X 78251 Plaintiff. vs. KELLY MAXWELL AiK,/A KELLY DICE 332 10TH ST NE13+f CUMBERLAND, PA 17070-1306 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: (TVIL AC'T'ION COMPLAINT FIRST COUNT I . Plaintiff is CHASE BA.4 USA, N.A., 3700 WISEMAN BLVD BLDG 2 1 ST FLOOR, SAN ANTONIO, 'I ;X 78251. 2. Defendant(s) is/are KELLY MAXWELL AlK1A KELLY DICE, an adult individual residing at 332 LOTH ST NEW CUMBERLAND, P[A 17070-1306. 3. At the special instance al? request of Defendant, Plaintiff, CHASE BANK USA, N.A., issued to Defendant(s), Account #4640182025211862. 4. Defendant received, accepted and used the account to its benefit. >. This account is in default ?nd Defendant(s) has an unpaid balance of $4,807.13. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". i 6. All credits, if any, to rich Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A" T Although demand has been made, Defendant(s) has failed to make payment of the arnount due as above. WHEREFORE, plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $4,807.13 and requests this Court award posts to the extent permitted by applicable law. APQTHAKER & ASSOCIATES, P.C. Attorney f 1 'ntiff A Law Firm Engap6d in ebt Collection BY: Dated: 4f 14I2010 David J. AAot%alc , Esquire Our File No.: 253792 VERIFICATION David I Apothaker, Esquire, Esg. her4by states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and tat the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, hnformation, and belief. The undersigned understands that the statements therein are made subject to the penalties o?f 18 Pa.C 4904 relating to unswom falsification to authorities. Apothaker, Esquire nev for Plaintiff DATE_ 4114!'2010 CHASE BANK USA, N.A. KELLY MAXWELL A/KiA KELLY DICE 332 10TH ST NEW CUMBERLAND, PA 17070-130 STATEMENT OF ACCOUNT Debtor's Name: Account Dumber: Balance Due: KELLY N AXWELL 4640182015218862 $4,807.13 AjK/A KELLY DICE Our File No.: 253792 EXHIBIT "A" CHASE BANK USA; N.A. 3700 WISEMAN BLVD. BLDG 2 ]1- FL SAN ANTONIO, TX 78251 vs. KELLY MAXWELLA/K/A KELLY!, DICE 332 1OTH ST. NEW CUMBERLAND, PA 17070 jf ' SQ}'1 L 7; T?n 2010 MA y 17 Ptt 1: COURT OF ( ON PLEAS CUMBERLAj1?1V?? jITY DOCKET NO.: 10-2695 CIVIL TERM ANSWER Comes the Defendant, KEI.,LY MAXWELL A/K/A KELLY DICE, and for her answer to the Complaint filed herein against her states as folio) ?s: 1 Admit. 2. Admit. 3- Admit. 4. Admit 5, Defendant does not have knowled?e if amount stated in paragraph 5 is accurate. Supporting documentation is requested.. 6. Admit. 7. Defendant enrolled in a debt management program, administered by Sierra Financial Solutions. in May of 2009. Defendant is atte4"Pting to negotiate a settlement with Plaintiff, through Sierra Financial Solutions, 2222 Michelson Dr., Sta. 222-601, Irvine, CA 92612-1332 Ph. 949-777-2396 Fax 949-777-3481, who has Limited Power ofAttorne'? to negotiate on behalf of the Defendant. I WHEREFORE, Defendant prays that th? Complaint filed herein against her be dismissed: for her costs herein expended, and for any and all other just and proper relief: r i r C `f -L Pro Se KELLY M XWELL A/K/A KELLY DICE 3-3 ) 2 1 OTH ST. NEW CUMBERLAND, PA 17070 717-770-2233) CERTIFICATE OF SERVICE i In the matter of CHASE BANK USX N.A. vs. KELLY MAXWELL A/K/A KELLY DICE, COURT OF COMMON PLEAS, CUMBERLAND COUNTY, DOCKET NO: 10-2695 CIVIL TERM. I hereby certify that I have this 17TH day of MAY, 2010, served DAVID J. APOTHAKER. ESQUIRE. APOTHAKER & ASSOCIATES, P.(., 520 FELLOWSHIP RD. C306, MOUNT LAUREL, NJ 08054 with the fore going Answeeft placing same in the U. S. Mail, postage First Class, pre-paid. 144ay 17, 2010 r Cardmember Agreement RCCEPTANCE OF THIS AGREEMENT This e, -moment governs your credit card account with us referenced contr `hecard forthisaccount Anyuseofyour accountiscovers( Pleass . -ad the entire agreement and keep it for your records. You far and charge your account for all transactions made on your accoi pay us for all transactions made on your account, as well as any fees i If this is a joint account, each of you, together and individually, is rest all amounts owed, even if the account is used by only one of you. Please sign the back of your credit card when you receive it. You vii agreement if you or anyone authorized by you use your account for a you don't sign your card. Whefher you use your account or not, you w agreement unless you cancel your account within 30 days after recei you have not used your account for any purpose. Throughout this agreement, the words 'we",'us' and'oui mean Chw the issuer of your credit card and account. The words "you", 'your' or persons responsible for complying with this agreement, including the p for the account and the person to whom we address billing statemer person who agrees to be liable on the account The word'eard' means or other access devices, such as account numbers, that we have is: to obtain credit under this agreement USING YOUR ACCOUNT Your account is a consumer account and should be used only for p household purposes. Unless we agree or it is required by low, we will for merchandise or services purchased or leased through use.of I promise to use your account only for valid and lawful transactions. for gambling may be illegal in some places. It is not our responsibgityto n use your account only for permissible transactions, and you will reme paying for a transaction even if it is not permissible. Types of Trensectioas: • Purchasais: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance tre wayto use your account We also refer to them in this agreement as t You may use a check to payfor goods or services, to transfer balance or for other uses we allow. But you may not use these checks to tra this account from other accounts with us or any of our related con person whose name is printed on the check may sign the check. Casl are treated as cash advances and balance transfer checks are tr tranF'-,.s except as noted in this agreement or any offer we make to chf stwe call convenience checks as balance transfer checks. that call convenience checks and that we indicated to you are su for cash advances, may be treated as cash advances and assessed c7 and fees. • Balance Transfers: You may transfer balances from other accounts a credit ca ri issuers or other lenders to" account, or other balance tr But you rrny nottransfer balances to this accountfrom other accoui of our related companies. If a portion of a requested balance transfe available credit line, we may process a partial balance transfer up credit lint.. • Cash Advances: You may use your card to get cash from automatic ti from financial institutions accepting the card; or to obtain traveler currency, money orders, wire transfers or similar cash-like charges; t tickets, casino gaming chips, race track wagers or for similar betting , Tqy alsq.use a th ird party sorvice to make a oeymant on ynur behalf an to this account • Overdraft Advances: It you have an eligible checking account with r banks, you may link this account to your checking account with ou cover an overdraft on that checking account under the terms of thi your checking account agreement. Billing Cycle: In orderto manage your account, we divide time into pod cycles". Each billing cycle is approximately one month in length. For sect your account will have a billing cycle that ends in that month. Your ac trilling cycle ending in each calendar month whether or not there is a for that billing cycle. Auslrariaed Users: if you slow someone to use your account, that p authorized user. You should think carefully before allowing anyont authorized user because you are allowing that person to use the acc You will remain responsible for the use of your account and each car account according to the terms of this agreement This includes your paying all charges arm your account made by an authorized user. You may request an additional card for use by an authorized user on VOL do so, this acc•tt,nt may appra: on the creurt report of that authorze^_ You must notify us to terminate an authorized user's permission to use you notify us, we may close the account and/or issue a new card or card account number. You should also recover and destroy any cards, the mea• tccess to your account from that authorized user. Crea. a: Your credit fine appears on your billing statements. We may credit line as a credit limit or spending limit. Your billing statement alst only a portion of your credit line may be used for cash advances. Cash ado cash advance checks, are charged against the cash advance portion of and a0 other transactions are charged against your credit line. You are keeping track of your account balance, including any fans and finam CMA12675 in the card carrier bythis agreement uthorize us to pay nt. You promise to rfinance charges. onsible for paying be bound by this purpose, even if be bound by this ng your card and Bank USA, N.A., 'yours" mean all son who applied as well as any is or more cards ad to permit you 3rsonal, family or of be responsible )ur account You example, internet ake sure that you n responsible for star checks as a check archecks. r to your account, msfer balances to tpanies. Only the advance checks ated as balance ou. We may treat However, checks mjectto the terms sh advance rates loans with other nsfers we allow. :s with us or any mill exceed your o your available ler machines, or checks, foreign to obtain lottery onsactions. You bill thepayrn it e of our related related bank to agreement and ds called 'billing calendar month, ount will have a making sure it remains below your credit fine. If your account balance is over your credit line for any reason, we may charge you an ovedimit fee as described in this agreement We may, butane not required to, authorize charges that go overyour credit fine. You must pay any amount overyourcredit fine, and you must pay us immediately if we ask you to. This agreement applies to any balance over your credit line. At ourdiscredon, we may increase, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will notincrease your credittine. A change to your credit line will not affect your obligation to pay us. International Transactions: International transactions include arty transaction that you make in a foreign currency orthatyou make outside of the United States of Americe even if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., wig convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may very from the rate the respective entity itself receives), or the government-mandated rate in offecton the applicable processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your card or account We reserve the right to charge you an additional three percent (3%) of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The some process and charges may apply if any international transaction is reversed. Refusal to AutherizaTransactious: We may, but a re not required to, decline & transaction on your account for any of the following reasons: • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in .^• ,r di ct?lion, for ary other reason, We are not responsible for any losses it a transaction an your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with an outhorization•system that we select We will notify you if we want you to register. If you do not register, we may decline your online transactions. Refusal to PsyChecks: Each check you write is your request forfunds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, Including the following examples: • We or one of our related companies is the payee on the check, • Your creditline or cash advance portion of your credit line has been exceeded, orwould be exceeded if we paid the check. • The checkis post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it • You are in default or would be if we paid the check, Lost or Stolen Cards, Checks at Account Numbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on your card or billing statement Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account. Ynu may he iiahla ri thera eS unenthnrired rise of yot-r a'ro„nt t•c?r u'!J6 yc.t re:oirc no benefit, but you will not be liable for more than $50.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. Howeve , you must identify for us the unauthorized charges from which you received no benefit. We may require you to provide us information in writingto help us find out what happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS tilling statement Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by arson will be an which we must receive the payment to become an You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. ,unt as you can. financial institution or the U.S. branch of a foreign financial institution using a payment issued on your check, money order orautometic dabitthatwill be processed or honored by yourfinancia esponsibifity for institution. We will not accept cash payments. Your total available credit may not br restored for up to 15 days after we receive your payment. r account If vntr Any payment check or other fa.m .if na;:nent which yo-, scud to us to, legq than the ful W. .ne ance test is morked'i!tid in fuil-or with a similar notation or that f;,u otherwise tendet your account. If in full satisfaction ofa disputed amount( canditionalpaymentsl, mustbe sent to us attht with a different conditional payments address listed on your monthly statement. We reserve all our right: ks or any other regarding such payments. For example, if it is determined there is no valid dispute or i any such payment is received st any other address, we may accept the payment a nd yon also refer to the will still owe any remaining balance. We may refuse to accept any such payment b. may show that returning it to you, not cashing it or by destroying it All other payments that you mak unces, including should be sent to the regular payment address shown on your monthly statements. your credit line, We reserve the right to electronically collect your eligible payment checks, at fir: responsible for presentmentand any reprosentment, from the bank account on which the chockisdrBwi a charges, and Our receipt of your payment checks is your authorisation for us to collectthe amount r is check electronically, or, if needed, by a draft drawn against the b nk account 'ayment checks will be collected electronically by sending the check mount along rifh the check, routing and account numbersto your bank. Your bank ccount may a debited asearlyasthesome daywereceive your payment The.ors nal payment heck will be destroyed and an image will be maintained in our recor s. Ilinip ayment You agree to pay at least the minimum payment d is, as shown n you. Ong statement, so that we receive it by the date and time pa ent is due. ou may pay more than the minimum payment due and may pay the fu amount you we us at any time. If you have a balance that is subject to finance harges; the ooneryoupayus,thelessyouwill payinfinance charges because finance charges ccrue on your balance each day. our billing statement shows your beginning balance and your ending balance (the Vow Balance' on your bgling statement). If the New Balance is $10.00 or less, your iinimum payment due will be the New Balance. Otherwise, it will be is largest of is following: $10.00; 2% ofthe New Balance; or the sum of 1 % of the w Balance, 3tal billed periodic rate finance charges, and any billed late and over'mh fees. As art of the minimum payment due, we also add any amount past dusan any amount ver your credit line. 'ayment Allocation: You agree that we are authorized to allocate yoI r payments nd credits in a way that is most favorable to or convenient for us. For xample, you uthorize us to apply your payments and credits to balances with Iowa APRs (such s promotional APRs) before balances with higher APRs. I :radit Belonces: You may request a refund of a credit balance at any t e. We may educe the amountofarty credit balance bytheamountofnewcharges rfeesbilled 2youraccount wtomatic Charges: You may authorize a third party to automatically harge your ccountfor re peat transactions (for example, monthly utility charges, emberships nd insurance premiums). If automatic charges are stopped for any reas on (including accuse your account is closed or suspended for any reason) or your account umber changes, you are responsiblefornotifying the biller and paying those charges irectly. If your account number changes, we may, but are notre;t i:2 to, pay Iran our new account number chargesthetyou outhorizedtobe billed to you old account ,umber. 'romotionr. From time to time we may offer special terms for your ac ount. ff we lo, we will notify you about the terms of the offer and how long they willbe in effect my promotion is subject to the terms of this agreement, as mod fled by the irrmotional offer, INANCE CHARGES laity Periodic Rates and Annual Pereealage Ralas: Your annual pert nloge rates 'APRsJ and the corresponding daily periodic rates are listed on the Ra as and Fees 'able th•* is at the end of this document or provided separately. To et the daily )erioe a we divide the APR by 365, and in effect always round u at the fifth )lace . , right of the decimal point. f8dableRules: Oneormore APRsthatapply toyour account mayvary changes o the Prime Rate. When you have an APR that varies with changes the Prime late, we calculate the APR by adding a margin to the Prime Rate published in The Nall StreetJoumaftwo business days before the Closing Date shown o your billing tstome A The "Prime Rate` is the highest (U.S.) Prime Rate published i the Money fetes section of The WallStreetJournal.ifTheWall StreetJournal stop publishing he Prime Rate, we will select a similar reference rate and inform you o your billing :tatement or through a separate notice, %'margin" is the percentage we add to the Prime Rate to calculate the APR. A business day' is any day that is not a weekend or federal holiday. The Rates and :sea Table shows which rates, if any, are variable rates. it also lists the margin for 3ach variable rate and any minimum daily periodic rate and correspon ing APR. rwo business days befcra tite Closing Date shown on your ladling statement, we sae nhat the Prime Rate is. We then add the applicable margin to that Prim Rate to get :he APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the pre ious billing cycle because the Prime Rate has changed, the new rate will apply a of the first Jay of your billing cycle that ends in the calendar month in which w made the calculation. If the doilyperiodicrate increases, you will havetopay ahig erperiodic finance charge and may have to pay a higher minimum payment, Default Rates: Your APRs also may vary if you are in default under this agreement or any oth er agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed an this account o any other account or loan with us, at least the minimum payment due by the do a and time due. • You exceed your credit line an this account • You make a payment to us thatis not honored by yourbank. • Totheextent allowed bylaw,if,atanytimeafter your account isclosed, we demand immediate payment of your outstanding balance and we do not receive payment withrr she time we specify. lfenyoftheseevents occurs,wemayincrease theAPRs lincludingany promotional APR) on all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the followin factors to deterr your default rate: the length of time your account has bee open, the exists seriousness and timing of the defaults on your account; other ndications of your account usage and performance; information about your other re ationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The defaaJtratiewill take affect as of the first day of thebillingcycle inwhichthe defaultcc curt bridWit applyt purchase balances from the previous billing cycle for which periodic finance charges have not been already billed. if we decide not to increase your APR even though there is a default or if we do not increase your APR up to the maximum default rats stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account Room Charge CalcahsAon-Two-Cycle Aeerap Dally Balance Method (Including New Purchases) for Purchases and Avenge Deity Balance Method (Welding New Transactions( for Other Trasactiens: We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate the periodic finance charges for purchases in two steps, as follows: • First, for each day of the billing cycle, we multiply the daily balance by the daily periodic rate. • Second, for each day of the previous billing cycle we multiply the daily balance for purchases made in that billing cycle by the some dally periodic rate. However, we do not do this second step if we received payment in full of the New,Balance on your previous billing statement by the data and time the minimum peymentwes due or if a periodic finance charge was already billed on that balance, We calculate the periodic finance charges for purchases subject to a promotional rate the same way, but we use the promotional rate. We calculate periodic finance charges for balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances, by miihiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdraft advances only if you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charge: for balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To getthe daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a now purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later dote of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the data the cash advance check or balance trad'sfor check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate tar the category may very based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount atthe and of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for doily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle, plus the daily periodic finance charges on purchases, if any apply, for the previaus billing cycle. However, if any periodic finance rharge is due, we will charge you nt least the minimum periodic finance charge stated in the Rates and Fees Table. If it is necessaryto add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge an your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges, For each categorywe calculate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If a periodic finance charge for purchases made during the previous billing cycle applies, the average daily balance for those purchases is calculated the same way. If you multiply the average daily balance for a category bythat category's daily periodic rate, and multiply the result bythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to thatbillktg cycle, except for minor variations due to rounding. Grace Period and Accrual of finance Charges: We accrue periodic finance charges on a transaction, tee, or finance charge fromthe date it is added td your daily balance until payment in full is received on your account However, we do not charge periodic finance charges on newpurchases billed during a billing cycle if we receive payment c yu-:; Ne.v Balance by ths.dats and 5+na your minimum payment is due and we received payment of your Now Balance on your previous bgling statement by the date and time your payment was due. This exception or *grace period' applies only to purchases and does not applyto balance transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for each of the following transactions: • cash advance checks; • cish advances. n addition, if you use a third party service to make a payment on y ur behalf and the :eevice charges the payment to this account, we may charge a transaction fee for the )ayment rhesetransaction fees arefinsacecharges.Weaddthefeetothebalance fortherelated :ategorv as of the transaction date of the cash advance. For example a transaction fee or a advance would be added to your cash advance balance. frans, n Fees for Balance Transfers: We may charge you a bale ce transfer fee in he amount stated in the Rates and Fees Table for each of the following transactions: balance transfer checks; balance transfers. Moss transaction toes arefinaacecharge&Weaddthefeetothebala cefortherelated :ategory as of the transaction date of the balance transfer. For example, a transaction as for a balance transfer would be added to your balance transfer balance. )TNER FdS AND CIiARGES Ne may charge the following fees. The amounts of these fees are lists in the Rates and ;sea Table. These foes will be added to the balance forpurchases-ma d during the billing :ycle. lumual Membership Fee: If your account has an annual membership f e, it will be billed tach year or in monthly installments (as stated in the Rates and Fees able), whether or tot you use your account, and you agree to pay it when billed. The or ual membership ea is non-refundable unless you notify us that you wish to close your :count within 30 Jays of the date we mail your billing statement on which the annual embership fee is :harged and at the same time, you pay your outstanding balance in full Your payment of he annual membership fee does not affect our right to close your account or limit your ight to make transactions on your account. H your account is closed by you or us, we vill continue to charge the annual membership fee until you pay yourcu tanding balance n full and terminate your account relationship. .ate Fee: If we do not receive at least the required minimum paymen by the date and ime it is due as shown on your billing statement far any billing cycle, w may charge the ate fee shown in the Rates and Fees Table. If the late fee is based n a balance, we ;air.,olatu the late tee asing the Previous Balance on the current months statemeatthat shows the late fee. This balance is the same as the New Balance sit wn on the prior month's statement for which we did not receive at coast the required nimum payment iy the date and time it was due. )vorlimft Fee: If your account balance is overyour credit line at any ti during a billing :ycle, even if only for a day, we may charge an overlimit fee. We ma charge this fee even if your balance is over the credit line because of a finance charge o fee we imposed fr a transaction we authorized. We will not charge more than one ova limit fee for any :filing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no iew transactions are made on your account, if your account balance still is over your :redit line at any time during the subsequent billing cycles. Rotor Tent Fee: If Jai your payment check or similar instrument is not honored, (b) an au. Ac debit or other electronic payment is returned unpaid, or (c we must return a payment check because it is not signed or cannot be processed, Y% 9 may charge a return payment too. Return Check Fee: If (a) we stop payment on a cash advance check or glance transfer check at your request, or (b) we refuse to pay a cash advance check or alance transfer check, we may charge a return check fee. Administrative Fees: If you request a copy of a billing statement, sal s draft or other record of your account or 9 you request two or more cards or any spa ial services (for example, obtaining cards on an expedited basis), we may charge you fo these services. However, we will not charge you for copies of billing statements, sales rafts or similar documents that you requestfor a billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other s arvices we provide, the fees from time to time in effect when we offer the servic DEFAULT/frOLLECTION We may consider you to be in default if any of these accurr • We do not receive at least the minimum amount due by the dot- and time due as shown on your billing statement • You exceed your credit line. • You fail to comply with the terms of this agreement or anyagreement with one of our related companies. • We obtain information that causes us to believe 'hat yaulnay beunveil ng or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may eleaeyour accoun without notice and require you to pay your unpaid balance immediatehOLWo also may re uire you to pay interest at the rate of two percent (276) a month on the unpaid balance hen we deem your account to be six or more billing cycles past due. To the extent permitted by law, it you are in default because you have t fled to pay us, you will pay our collection costs, attorneys' fees, court oasts, and all other expenses of enforcing our rights under this agreement CL09wG YOUS ACLOUNT You may close your account at any time. If you call us to close your ac count. we may require that you confirm your request in writing. We may close your account at any time or suspend yrwr credit privileges at any time for any r • without prior notice except as required by applicable law. If we close your actg. ,is will not be liable to you for any consequences resulting fro closing your account or suspending your credit privileges. If you or we close your account you and any authorized "ors must inn ediately stop using your account and destroy all cards, checks orothermaans to acces your account or return them to us upon request. You will continue to be responsible for arges to your account, even if they are made or processed afteryourateumrt is clog d and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT B E AB LE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OFTHIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE hAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE AJUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONSI.OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Blodog Arbitration, This Arbitration Agreement is made pursuantto a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the 'FAA%9 U.S.C. 51.14 as it may be amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of being litigated in court Parties Covered. Forthe purposes of this Arbitration Agreement,'ws`,'us`, and 'out' also includes our parent subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally. 'wQ,'us' and'out'shall include any third party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Accouq rewards programs and enrollment service:, credit insurr,nca compcnies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named byyou as a co-defendant in any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement your credit card Account orthe advertising, app0cation or approval of your Account ('Claim'). This Arbitration Agreement governs all Claims, whether such Claims are based on.lew, statute, contract, regulation, ordinance, tort, common low, constitutional provision, or any legal theory of law such as respondent superior, or any other iegal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire CardmemberAgreemertt 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 he given the broadest possible meaning. Claims sub)ectto arbitration include Claims that are made as counterclaims, cross claims, third party claims, fnterpfeaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim thatis within that court's jurisdiction and proceeds on an individual basis. If a party olectsto arbitrate a Claim,the arbitration will be conducted as an individual action. Neithcr you nor we agreo to any arbitration on a clew: ur repi a:octativa bisis, and the arbitrator shall have no authorityto proceed on such basis. This means that even if a class action lawsuit or other representative action, such as thatin theform of a private attorney general aetion,is filed, enyClaim between us relatedtathe issues raised in such lawsuits will be subjectto an individual arbitration claim if either you or we so elect No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (t) those brought by us against you and any co-applicant, joint cerdmembe, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cerdmembe, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independentfrom us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shag be held at a place chases by the arbitrator or arbitration admrn'strator within the federal judicial distrrcr in which you reside at the time the Claim is f lo;, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 100174605, Web site: www.adr.org, 800-778-7879; or National Arbitration Fermm, P0. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-fGrum.com, 800474-2371, Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitrator will eaherbe a iawyerwfth at leastton years experience ore retired ,r former judge. The arbitration will be conducted under the applicabl procedures nd rules of the arbitration administrator that are in effect on the date t is arbitration i filed unless those procedures and rules are inconsistent with tit Arbitration agreement, in which case this Agreement will prove it.-These pracedu es and rules nay limit the amount of discovery available to you or us. The arbitra or wig apply .pplic-'N substantive law consistent with the FAA and applicable statutes of mica and will honor claims of privilege recognized at law. You in y choose to eve ,. acing and be represented try counsel, The arbitrator will take reasonable tops to protect customer Account information and other confidential information, icluding the use of protective orders to prohibit disclosure outside the arbitration, ' requested to do so by you or us. The arbitrator will have the power t award to a arty any damages or other relief provided for under applicable law, and will not ave the power to sward relief to, against or for the benefit of any p rson who is of a party to the proceeding. If the law authorizes such relief, the a itrator may ward punitive damages or attorney fees. The arbitrator wig make a y award In iriting but need not provide a statement of reasons unless requests by A party. :pan a request by you or us, the arbitrator will provide a brief state ant of the 3asons for the award. astir. We will reimburse you for the initial arbitration filing fee paid by u up to the mount of $500 upon receipt of proof of payment. Additionally, if there i a hearing, re will pay any fees of the arbitrator and arbitration administrator for he first two eys of that hearing. The payment of any such hearing fees by us ' 1 be made irectly to the arbitration administrator selected by you or us pure ant to this rbitrotion Agreement AN other fees will be allocated in keeping with he rules of to arbitration administrator and applicable law. However, we will dvance or rimburse filing fees and other fees if the arbitration administrator arbitrator atermines there is good reason for requiring us to do so or you ask us and we atermine there is good cause for doing so. Each partywill bear the ex nse of the ies and costs of that party's attorneys, experts, witnesses, document; and other Kpanses, regardless of which party prevails, for arbitration and any appeal (as ermitted below), except that the arbitrator shag apply any applio ble law in atermining whether a parry should recover any or all fees and costs fr m another arty. nforcemeot, finality, appeals. Failure or any delay in enforcing this rbitration greementatanytime,orinconnection with arty particular Claims,"nc constitute waiver of any rights to require arbitration at a latertime or in connecti n with any :her Claims. Anydecisian rendered in such arbitration proceedingwill a final and riding on the parties, unless a parry appeals in writing to the arbitration o ganization ithin 30 days of issuance of the award. The appeal must requests new arbitration :fore a panel of two neutral arbitrators designated by the same arbitration •ganization. The penil will reconsider all factual and legal issues anew, follow the ime rules that apply to a proceeding using a single arbitrator, end mak decisions 3sed - 'he vote of the majority. Each party will bear their own fees, costs and (per renyappeal,butaparty mayrecover anyorallfees, costs an expenses am a,,-.,ter party, if the majority of the panel of arbitrators, applying pplicabis w, so determines. An award in arbitration will be enforceable as provided by the %A or other applicable law by any court having jurisdiction. averahifity, survival. This Arbitration Agreement shag survive: (i) to ination or ranges in the Cardmembe( Agreement, the Account and the relationshi between )u and us concerning the Account, such as the issuing of a new accou it number r the transferring of the balance in the Account to another accou t; (ii) the ankruptcy of any party or Any similar proceeding initiated by you oron y ur behalf, nd (iii) payment of the debt in full by you or by a third party. If any port on of this rbitration Agreement is deemed invalid or unenforceable, the remainin portions call nevertheless remain in force. HANGES TO THIS AGREEMENT le can change this agreement at anytime, regardless of whether you ha y r- a ,.:ess r your account, by adding, deleting, or modifying any provision. Our rig it to add, alets, or modify provisions includes financial terms, such as the APRs and fees, rid other terms such as the nature, extent, and enforcement of the rights and oligations you or we may have relating to this agreement Modifications, dditions, r deletions are caged `Changes"ore "Change*. to will notify you of any Change if required by applicable law. These Cho ges may e effective with notice only, at the time stated in our notice, in accord ice with oplicable law. Unless we state otherwise, any Change wig apply to tit unpaid glances an your account and to new transactions. he notice wig describe any rights you may have with respect to any Ch ge, and is consequences if you do or do not exercise those tights. For example, t e notice ay state that you may notify us in writing by a specified date if you do no want to rcept certain Changes we are making. If you notify us in writing that y( u do not ccept the Changes, your account maybe closed Id it is not already closed and you -ill be obligated to pay your outstanding balance under the applicable ter is of the Qreament if you do not notify us in writing by the date stated in the notice or if you atity us but then use your account after the date stated in the notice, ye will be vz.,.z, to. accept all Changes in t`r noti.e and to accept and confirm all airs c` )ur agreement and all Changes in prior notices we have sent you regardless of 'hether you have access to your account. REWT INFORMATION to maw -griodically review your credit history by obtaining information fro credit urea ! others. lamaTort information about you and your account to credit bureaus, i eluding )ur failure to pay us on time. If you request additional cards on your act unt for theta, we may report account information in your name as well as in the n mes of lose other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed an your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right we will contact each credit bureau to which we reported the information and wig request they correct the report If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICESXHANGE OF PERSONAL INFORMATION We will send cards, billing statements And other noticesto.you atthe address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement We may, at our option, accept mailing address corrections from the United States Postal Service. We may contact you about your account, including for customer service or collection, at any address or telephone number as well as any ceguiar telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your accountwithin our family of companies, and with others outside our family of companies including any company or organization whose name ormark may appearon the cards, as permitted by Iav,C Our Privacy Policy, Wiizh is prutidad to you when you first receive an agreement and at least once each calendar yearthereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law Isuch as sharing information to process your transactions or in response to a subpoena), You hereby agree that, if you choose not to exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have aboutyou (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing ornot enforce any of out rights underthis agreement without losing our right to enforce them in the future. It 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 agreementto a third party. The person to whom we make the assignment will be entitled to Any of our rights that we assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OFTHiS AGREEMENTAND YOUR ACCOUNT SHALL BE GOVERNED AND INTEFPRETEO IN;A000RDAN:E :ylTlf i -DERAL IAWAND' TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information aboutyour rights and our responsibilities under the Fair Credit Billing Act Notify Us In Case Of Errors Or Oasstions About Your Bill If you think your bill is wrong, or if you need more information about a transaction an your hill, write us on a separate sheet at the Cardmember Service address shown on your billing statement Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem •np;;tr-d. ,,ri tolepho^a s., bv_^_ doing so wil' not pi eserve 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, 6 you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill a utomatically from your savings or checking account, you can stop the payment on any amount you think is wrong, To stop the payment your letter must reach us at least three business days before the automatic payment is schaduled to occur. Your (lights MI Our RespeeeW hies After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have co rected the error by :hen. Within 90 days, we must either correct the error or explain wh we believe the bill Nay Correct. After we receive your letter, we cannot try to collect any amount you question, or report rou as delinquent We can continue to bill you for the amount you uestion, including inan, -arges, and we can apply any unpaid amount against your credit line. You do iot h 9 pay any questioned amount while we are investigating, but you are still )bHgatuu to pay the parts of your bill that are not in question. f we find th at we made a mistake on your bill, you will not have to pay a finance charges elated to any questioned amount. If we didn't make a mistake, you may have to pay 5nance charges, and you will have to make up any missed payments on the questioned +mount. In either case, we will send you a statement of the amountyo owe and the date .hat it is due. I you fail to pay the amount that we think you owe, we may reportou as delinquent dowever, if our explanation does not satisfyyou and you write to us within 10 days telling is that you still refuse to pay, we must tell anyone we repo any(rt you that you have a luestion about your bill. And, we must tell you the name of is reported you to. No musttell anyone we reportyou to that the matter has been settled between us when t finally is. I we don't follow these rules, we can't collect the first 550.00 of the gtestioned amount, rven N your bill was correct special Rules for Credit Card Purchases f you have a problem with the quality of property or services that you purchased with a :rodit card, and you have vied in good faith to correct the problem b the merchant, ,ou may have the right not to pay the remaining amount due an the pr arty or services. 'his right does not apply to check transactions. There are two limitati ns on this right: al You must have made the purchase in your home state or, if not withi your home state, vithin 900 miles of your currant mailing address; and b) The purchase price must have been more than $50.00. 'hose limitations do not apply if we own or operate the merchant, or if v e mailed you the idvertisement for the property or services. :opyright ©2006 JPMorgan Chase & Co. All rights reserved. IATES AND FEES TABLE This table may also be referred to as the Table of Interest Charges} fntes (APR means Annual Percentage Rahn) Intro -1ryAPR 0% ft. APR 10% daily periodic ratel on purchases, balance transf rs and balance transfer checks forthe first 12 billing cycles following the opening of our account (the "Introductory Period") Purchase APR altar the Introductory Period The Prime Rate` plus 9.99%, currently 17.74% (O.D4860% daily period c rate) Balance Transfer/Balance Transfer Check APR after the Introducto Period The Prime Rate" plus 9.99%, currently 17.74% (0.04860% daily period c rate) Cash Advance/Cash Advance Check APR The Prime Rate` plus 15.99%, currently 23.74% (0.06504% daily peric is rate) Default APR The Prime Rate" plus up to 23.99%, currently 31.74% (028696% daily eriodic rate) Overdraft Advance APR 13.99% fixed APR 10.03833% daily periodic rate) Estimated variable APRs above are based on the 7.75% Prime Rate a of April 17,20M. Vas and ttaance Goarges Cash Advance / Cash Advance Chi ck Fee -- Finance Charge ATM Cash Advances 3% of transaction Iminimum fee of $10.DO) All Other Cash Advances 3% of transaction (minimum fee of $10.00) Balance Transfer Fee -- Finance Charge 3% of transaction Iminimum fee of $5.00 and maximum of $75.001 Bala, -,ansfer Check Fee -- Finance Charge 3%o. section Iminimum fee of $5.00 and maximum of $75.00) Minimum Periodic Finance Charge $1.00 (If any periodic finance charge is payable for a billing cveie Annual Membership Fee Nor Late Fees: $15.00 if the balance is up to, but not including $250.C'J; $39.00 if the balance is $250.D0 and over Overlimit Fee $35.C i Return Payment Fee $35. Return Check Fee Administrative Fees: Copy of Billing Statement or other record $5.:? Payne Due Dots Now Balance Past Due 09/14A08 34,807.73 31,25 AaQ .d esttrd.: 4"0 11820 29218062 µ W w 46401820252188620024263 4n oeealastsc KELLY MAXWELL 332 10TH ST NEW CUMBERLAND PA 17070.1306 I.,UI.,111., lowIN.. 1.111A 1. 11... Minimum Payment 3412[,3 CHASE 0 !lade. 807130000000 CARDMEMBER SERVICE PO BOX 1S7S3 WILMINGTON DE 19885-5153 .1.111...1 1: S000 460 281; 48 2 20 2 5 2 A88 S 2 Aae a axon com• slala e Dow 07fl g m . lesrr/e yosr.awnterhrs: Mirdmu,n Payrnwm: 34,42A,13 Paymwrt Ous Oats: 0612h09 Adaeond Contest Mda,endwn ACCO UM SUMMARY V11 A Account Number: 49401 SM 2341 666 C yvmnlaney located w rave ate side Par0ous Balance $4.890.14 cal Credit tine 53.000 Finance Charges 46116.66 vaaetle Credit SO New Balance -807.13 ash Access line $760 eatable for Cash S0 The eutsesndng balance on your creed pea is &s ndubd to he wMlw ON as a bad debt yprly. As a result, your cmat bureau will be up0alad vent! a negawe rating 4181 d last ter up to seven years. We Can atilt help bra you need b CRi the now at 1-866.762-7547(collect 1302.5948200). Pravbous pointsbelanga 0 Earn a 525 Amamn.rom Reward Carmen* Points awned on el non-Ametm purchases 0 every time you reach 2.500 poilb. Remaining balance ! 0 Finance Charge Trareeclon Ddy Periodic Reba Cerasp. Cady Due To Fee! Aocumnlsied FINANCE Category 30 days in wee APR Balance Perlodio Rats Service Charge An Charge CHARGES Purchases V .08216% 29-90% (1.638.89 $40.40 $0.00 $0.00 540 40 Cash advances V .08218% 29.90% $0.00 $0.00 $0.00 $0.00 , $000 Balance trwaler V.08218% 29.90% $3.107.55 376.59 $0.00 $0.00 $76.50 Total tinelcaehaegse $116.99 EHeetlve Annual Percentage Rata (APM: 20.99% Please a" Intonation Aboum Your Ao=rvl section lor ba0ance computation malhod, grace period. and o4w impomam infonnasoh. The Caraapeldang APR is the fees OI bmlarosl you y when you carry s balance an arty aehawftn category. TM Elleclive APR rgxeaants your WW *Once Cho as - including paneschon fees such as cash advance wed balance V"or lass - III ed as a parowrtaga. 0000007 F903M C 2 000 Y e 11 Xam Nw.4 P.Ce1 d/ ORae „ArM 422115 faMOMOMOUns,5ph 2 of 13 Address Charge Rewsm Plane* provide wdormason blow only ONrpI sMtlreaa krlpnlnaion on Iron is Incorrect. Itbee Address: - 1?-- City - Salo: Home Phone: _..- Woek Phone: E-md AO&w& - -- -_? L To corlla nt us regarding Vora she mount; By TtI10116"M ® In us. I -Maa7-40bo ,Ly TO?p" 114IMM54301 Send Inquiries to. 11180peenr mpta: VletOwiMeberfte: PryWy1ae1.e0Faa679gN P.O. tsm P.O. aow Isla ? OrtaiOa U3, tat m W gran, DE 198503M WimlegIon, OE 196b&S157 I•302.594- oo bbtmWo About Taw Amaa . To Dal the daily balance tot each deer N the current biting cycle, 6edMly N P*InaaC For payments by S. mall, used at we lap tan beginning bateau for each letting, add why new last minimum paymat dine b our Pay address shown Tanwpdans or other debut Oacfw*4 Pot, unpaid Hann chance; m mk ma=scot. `/aui puyaNnn by OWN a mmpy with the and otherchng), sabbact my panraft or madils, and rtnk other imlmdlom ee this Staeahlllt and Waal be mode Chaos w money 606%= gilds. TAselmons r, adds as of the ttmroaaion desk the order. Dayabk is US. OoOam, aed dtgwn sn err payalk t=ough a begins itpolem?iAMaydeinwaMOUyarepaledbyowapcemm U.S. ;mrsial h oki ion of IN US Ofaestr of brign Dnanclal a o lam daeaf aw dgba (apempt that detletnaagbns vt added institution. 00 net sad Con. TIAial your t riumba on Vas nefmadwA leposhdppyytMpaVacaralAtertlaaldarGUia).fac dark or amhey order. Paytlierdl mutt be by tale are added after an ft clan of i Mated transaction, the date I* ere prflnw Capon In the andopo proceeded 101/1 Bares vialbla posted to you aceowt, or Nu had day at The baling cycle. This diva thramh the aoraloge V- ew, the mlwbps cenno cum' mesa than us 110 dys dry baknn. A adh balance Is treated as a balance d one PNymed of eoupas? aM ]tire tan he to Doper dips, =pa sera It a Dedodit naeappkee to any fat=e. a suddply the dally correapoM IMadad via yyoouur perm! l your per, is beWxs by 1M deer patdic ade b 99 yew Wdodo Aarsa charges is Seagram with dun faTmeal inlbwdba la made aWalde mr Nna day Wan M ad Noe yeda4c Rrarln the s io eras aaly to us on try dgf nw Deearlha 25 by 1: W in. . iow time at our balance to It ep p0ina ft blhnnlor II= sad dry. M men the one Paymaas addaa on MIla tNiterrrprt. we VAN the payrmatt to daly patidk tae card appy Chang an Ow mempa daily a4en, w your aceoufn a of Ma day. N your Percent is aCOprdenae whh wry use the dater periodic real dot mks for Me avenge daily bakace ea payment instructions, buts dada me" w after 100 p.m. anaa a IN ad of On tiling ryn# to calculate the daily Periodic low Nme it our Pat ekaa ddnaa a mla $ta=m , we sit credit a arse charge esdeday. to your aawtt an al file read day, ti you do opt our pymat To der your brut rxk Armllpe c a ter a billkg cycle when a ImUUdbna Of Nyour ptymdlt is mt Sea by u. S. then to daily peddic to 9) applks. we add 01 the daily Daodk Dn esce =5-,- craeNkq of now Itsyraem ban delaygd for !sagas ur ere al*n& TO datmmina ate aveeapa dam tmlaae, we up Msh trenlary our t=riad add your dr7y baanca end reside by IM mnaher of tAa d? in the teiephoa arv xk Ojsl msr 3etvlpo advkas, or praw?fw?olhae. will be epgNCmis o% o/depunOOtmu stoltply Nna avaago dap paulct far sultoct, aaattakMmmaiaA MpeOtM d1111 isclosed for Pk ad 1 ?T pefaldc rats, atl on bona A mry report each of thew cads nber of days g the the appoici d s alter iR01n1aalA abort year alleelaa to elm by tale ppftyymmenla. q cynlcha(a1 and than add w at the ialdte Inelegant, Nhm taut wet also mieaedialet tf orOMadeWiNt anyour atWnee ay be rdAecadal aqBal the peNdld Auaca Cauga for be bift cycle, Ono for yaw onaA apart If yes think wehMrapOr=d fdemwke mkw aIlaN0lld due to faahpfg. 1'a get yNar tdlai peipdit Aladee to a atlt bmrau, you may wren to us at the kid • as adMas shown for a bNrg Cycle whoa moaNNy pprmdte ra") applies , oaaft 19ae1 1,Ckcd6araa0Xwhon ppesery byOWCAL =purWar kW?e eeraaand pftnbrsslo =to MlM labk per ? the b hwrl oig and you aalmrls us eNhor to ere Waraaym 116th meet In make the20 bdk *Mm !raga for the anluD grek, aappt to mina s onaime ekcbpnie rued Ulaslar trorar your al or b prangs valalias dos to fom0'rrqq the piatr cent as s elude ovoc lm. wham use ImlortrnWon OrM italad (al lam 29 dayt): Yye accrue periodic licence t es Itom your duck to make an eelcinp had /fan . tunpo may be d a limas R. A1111-00' Ante Chang tram the date N is added to withdrmentram yourapewaas seen n the sans wsfaoliroyour yyoo r daly bOWN mail Warburg In lull 19 neostvad ee your account. daayyrtrrkrspmt?,, ady0m wit ad racaumCr Marla bade ram Voter kwmlal Hohreter,wg doroltdmrp periodic fiaapoeharyamaw purchases Inalitutba. 02 the Customer fiaaka almba an a suns M F you bftd Alrind a balling cycle It we room both of your New have as ftlim AW Iworti0 check collection b do not ant your fWaa on yaw current ateeanre by the d=al an time your proem pervents, ?I?t ?erJad ?t Nyn?d your No fM ahte a yaw previous ap mak Aaywgmy' ra check or CIA torn of pannat k sasiMN4 and bby f dAa dad l sy Vat myna?p aeon dw. Da k nw that you said us ale lass than Mall ll balance der k malW yhid gabs pedd tar -' l 1t maters, ask dvata. Nock vauataions: in tua' or eeawa a dM=r heatiert or chat you mdse tens in or overdMt sehe ow lut sa lslacke of a depNd Nvounk asap bit to qrd Serviea. NLLMIg (MINTS SMNNNAMr P.O. Boa 15111. 1 illnue al, DE 1 019 a reuevs ON err In Cam of brae er puaatlaam Abort Yaw Bill. 9 you think your bill d" MWdb f tiara perm s 141.9- N It al deal khan mare te no is or N you rod mom idOnmatipn about a tmesdlan an Vow wad dispute or If any ad1 dcdc reported a aM r ddfas, we M Cialtosw SNNm on a Igaraal Alwt at P.O. Nae 15289 nay atTapt tub ohxk feM you w t still owe any rekg 4ohenpo). you OE 1D9 p comp M shot aPo mat tar from ft may refose to socaptmy each paymed ter N lo yau not yon no tea g0 dale W a NO you the fast bit an which 04 nal,44 ordasgh p it other peymaas Chet . makes plc uid be emor or problem app eod. You can talepherm a, ban dohp a *IN not Sat to lK ropdal Rumaltri daNSS skoNn a sMMNMI. preserve yaw riphfR in yaw Eta. Nra w she wowing kdamtdon. Amax tlessual N e: K yy9qNar account tae a I lam, It wet Im • your ate and account member ?eaa1 aria manlhly mentLwhalw notyoumyour • The dpser tmwt al Nut aapeeld error your apace to p1!' N men bNald_ ?tw get ere Is boa- • Descrkt Nit era and eupkm, if you nu s=py you befien there is relwde6k orals yNN atiy a ma you wish to yonr aconunt an naps It you and nun Information, describe ma hem you are with m deers of me dabe ve mallyaf statement wk; the actual unat" above. fakclmrpadadathesaaafinal, yapgytw balance Yoe do al hate to pay any amount In question while m are In lull. Your pymenl of the anal We dos opt art as NpM3 = immatipaft but you in alp ami" to pq the pads of ? tdl Goa your amount am No emit your ride to IrmstNoes a iw an net in 40"Non. %we tea i tgmal yaw q wt your WOOL N your aaleeemt Is closed by you or we wit continue carrot rapart IN a delthat a or Wn aclon to eopd the amoora to 0 kr9! to Name?ral yon pa?rryyam balance in Ail YoB tptake. tt era huge aYtAOdaN NW to DIY your asdd dN DH Feser.w.i a =A ..roar ,"-'L aMngllpo k-myopi -rings or checking acmam, you an stet Out /. owes awes! rob Cur cow V-11111 Pmfoomc "YOU tan a problem "11111 eu mb coalDNa dilkmM Wepofia vrii Nit same ddyalery me qufyd poada err arYns the era puntrsd with a caul t and sta. i Nurq ka'Y' hurt b i Mr pdk Taal Wile aaescrb; IonddYg Pmtkmes d wd d may try, and the inldea aid used mlgin In Nth rberaepond4q APfi sad L Th m e h a wdp and Yom than true in pod daamiae Ma IAM IQ C01111101: the hmbleru with We nurchuM you may oat hrs t0 r Cardatember pay Nu n t ehdng amount due an tagoods w arWca. Yes huge this a a amedd. en is a mhdraum flaw der In y/lrieh we own icy psddie Iman n Ihaehpo Murpe Ate ail healfre fransh x dupe is any protection my whoa the prndrsm arm ws men Nan S50 ad It* adages, and a purchase Was made in yyoauf hares late or wain 100 mks of your co h advance ratting eddraf Thee NmN e' d th N trpmaotla, In Me smourds Sated In . . e am o n spider we awn at opmuft of Clnh wntber the merdure, or it we "led you the a6lwtisemem for the prop" N, as amended. or tavkas. 11meN0e o 3Of13 Peynletd Due Dab Now Balance Past Due t Mnhman Payment Wn3ro9 54690.14 $1.06 .og 52,,44,4 /? CHASE O Atxaaal number. 46W I= 201 8&MM2 ye to: bah . Mintsnacntwd sod. address or e•meal Point on eedc. 46401A202523AA62002144 4004690140000001 KELLy MAXWELL 33 N W10TH CUMBERLAND 17070.130 CARDMEMBER SERVICE 6 PC BOX 16153 WILMINGTON DE 19005.5153 I,.,IiI,,.IHh,hih.hill,., h.,Il,hElhil.h,h Elh,..llh h.l,ltl.?hl 1: 5000 660 2111: 68 2 20 2 5 2 188 F. 2111, amazoncom• tl°ar~ osn al09 - oerlexla n !a Munye year eceaern enlina; Mrdmurn Payment: 32,14414 Payment Due Date: (J7113Aa Aoftonat owkaa In,bmreh ACCOUNT SUMMARY VI Account Number: gsd0,tg0 2th31 OO beA? 1°d a" 1,'p° e P/etfors adler" $4.634.00 oW Credit U n, $3,600 Purdhetast, C1ts11- Debits 439.00 ve9etle Credit $0 Finance Charges .3117.14 ash Acom Une $760 New Salenoe `$4, ,14 Walstle for Cash So You haven't made fie required peymads and your card account is 1$0 days peat due. You can eWt turn 11tirgs around. Call Ye 10day at 1-388-792-7M7 (collect 1-302.594-020 ) so shin we can find S adWon for you situation. AiMA2)DN COM Act NUM MARY Prehfotrs Points Ddahde 0 Earn a $26 Amazon.cam R&dard Cni6Cete Points earned on all ndn,knrazon Purchases 0 every lime you read, 2,500 point.. Total reed IlNs year I 125 ACCOUN ACT VfTY Dale of Transeeeon T n SAntou t 06112 LATE FEE 3900 FI ANCE CHA GES Fnsloo&Charge Trsroactlon Daly Periodic Rate Corresp. ape Dairy Due To Feel A=nv.Aated FINANCE Category 31 days in cycle APR' Selsnce Periodic Rate Service Charge Fin Charge CHARGES Purdu ee8 V 116216% 29.99% 51.566.46 $39.95 $0.00 $0.00 539.95 Cash advances V AiR16% 29 $0.00 $0.00 50.00 $0.00 $0.00 Balance mater V .08216% 29.98% $3,030.66 $77.19 $0.00 $0.00 577.19 Total finance charges $117.14 E11ectlve Annual Percentage Rate (APR): 29.89% P19eee see Irtiodoation About Your Accourn section or blhMOe canrpulmion melhoal, grade period, end arm irrpartnr irdonneon The Careapdndin0 APR Is the rets of ineer" You ytMen You Cary a balance on any Vaneaclon category. The E11ec1vaAPR represents your lotal finance one Ift - induding transaction Use such as cash advance and ,alma male tea - pressed as a peraentega. 000DW FdM%MC2 am y e Dal o6we Prp.h dI agile MAMA 20009 ten00oa@00020We01 Rws n id? 4 of 13 Address Change Request .. poles, pravHeidemwWn bobr aMyi1 sddsw infomdtim on front N hmrrm. ••? Strain Addaes kith. - Slots: ?_ , Zip: -? . Fbme Phone. -? _?- .?--- MIN Phone: EmH Addean _ L O corltaot errs regl cbV your NIC nt: 9V Telephone: 7 ® In U.B. i 4M-a?r a0 T6D 14100-956"0 Send gum" to: M"Patmantstn: vbkourvkea(tr. ylgwt-000W&7061 P.O. M% 10298 P.O.80c IS19S laoLibawAmmmmam iUS. w edM3 Ike axh DE 190603790 WiffkW , OE 19066.51 M 1-6Q2-yp{•68D0 ktumWsu Aswd four Accrued eve/IN! d P'aYnheata: for peytne?s by raputar To pet the tiny tdince for each day of fm mount h66n0 tyres, S. men. sad at 11e take the beginning oalams for each OWN=. add any' new lwrt year fiflbnrrt suss due to our Payne an tlde fir Yaw pwnnena by ma in address shown tYaaaNons or other debits Occluding rek e, unpaid finance choose; oatply with the d a d alh . Atsrueyerha an tNs sat urapo , and mole bemuse r an er pes). wbtwd any pa 10; to crisis, aid make other Cheek of renty auhAtronlt Tremefbnb an a1Af W ac of 9M WanseO " dab the Order. pay" in U.S. Ibleam sad down on of LL S. erotica irrshdion on fit U.S. breach of Instit 00 n t nd ti f W k . tfvollph a beginning of We It in whic h"am popw to Yaw aCm^ pprryyppn? Dhaheut a a tatty tar tl kar (aacep Itet kdhaek hansedbtN m a on. u e sa r NYou' acres coo . check a mast' order. Pars Its must ba an your as of thedaft 000Mdptwytopp??oee1aahimdata of our rmlea).Foes orltpaled by the anaddadatkronlMdYrarankaldaasaeXon lbadaatMysm pymem coupon In IM amwlap prmAdM rdth trough to alrvatope vdMax, the shvelepe aurae . r adOfas Wipe posted to yea ahsaad, or the lad day of the billing cycle. 'This gives Cale hmre ten us the days Ihally! balance. A crank bMama N Imabe a a bottom of one phymel or topOx will I1ele con ba 00 . poor else, lpe an I ft ypmodic tkaappliisto alybeli wo mvki y tip deny or call it hor loceded wine yen pyrnant i , your ppa?rfro1Mmm N balance by die defy pedadie mho to get Yon Pollock fnaro ckryes n sccadYbe MN door poymem lithiu roes sad to is on any day exept Deefn60 25 by 1ut0 P. pil Monte W*M on ft $W NW. n fw c it matl01w461e for that day. Wes tun add dime pudioMe finance the he your daffy Nut fhb at ow babea tJogal tat benlaelnD babnce lorthe ass day, pf m0n the. one the paymard N day lsriodte tail cc* awl "M M on Bvmpe 04 babmn we your account as of the day. M Year pymem is oar piferwrdi NsYmmell=, bat N made avYdable tD aceorhbnce who m7 use IM day periodic role Wt oppose for No average daily balance aMr 1:00 P-n. meeat at the and of Me bNblp cycle to alcMae too dey periodic om tae a our pay m amfea at thlt , we will rtln it while clergy each day ) to your account as of fat led o you b rill Imtnedba o n your ptytemee (s opt etvt by a O Wag eyeo whin a our pyeent To m year will ahoadc finance Wray for Nr U.S- met to daffy periodic rah moons we Ad a( 01 the dot penodk finance our Paymaaa a0/nas crwmu of your penrrs , av be 4Nwid for dourer: er n r.h - r t.r...a..... ,...,._ .yes. ?..Y..? ov auun olhariousa taperwe to slew kinematics &WA your axetfa to credit b mkw hsan r die m d ll we mq report each of tow rants by ON 0110V* of days In fie pplhabla bUGp LM NdMetnmmM. cirche(e)3. and that cep all of the motor Npafm , on NW win on b a Wr so r o o i ionyouraoceu Yourareediefftmoom llvmaiokvnbsvarporW' e in Cutout the pub& thmme dialogue 10r be hWNg gde. except fa I minga l c i d to a crew bareao, you now write to uses the Inc on nos eMSmem h m acr su t ons ue to rounding. io got your bNi prhodic drooa address she" de s to t baerg what s s appllCS, tat avenge bawee tw seta NMIwe Dy nom epMka ao Wlke Ahmd 8eehsalo ue4 Cloveasion: INIM You &* be" me will rom f l to me laem bey by check. pabdic ran add the ousels together. TWO D1bl vin egtri t ilOWift l tip 110- troo eMwgee for the MMiq gh:k except to mina ce l yyop e the payaent as e ttihaak trw9acUm. Wban , n at use hearladian Graft pew (of NM 2g daysi: ft .. periodic nheuhce c0amrs from your chuck to rake an alacaordc fund hat wfthdnwn}rareYour acoaetasearnathesumo oldyouheAmt t8ye d d b e r. funds may he an a unsectida, fee. or fMms plugs from the dale it is added to we neat your yyOoSrdutybedlheIuanpeymatinfulisRaMdonyouraccount W& ra youf e x k a gin U0 CaNmuSeMn onset an yawaawde Howevr,wredoaoichenppnoircinsomobligationNewpumhtaes stsho al N OU Milo d i ili i floe gesture a" dldmok: tleeh cokatNo or . Y ry a W a ng oyes of we rNe both pfd of your hear do not went your Balance on your arwl sbbrham by the daft aMdmr your pgram I'm Ca eMlO I ?+ymaaN py?hh Apy dot you seed a for ka t mn iu fu11 h sue tdw?tl i f ll' paytr a Is duo aid *o to mad of your Not BManpe our your preNOus f Icmmubd'Paid Orae! prriod lorbattsldate glpand dvs wh ads e6eck tranuctioni n u a cwftlos a dgnu solutions or IW you full UNIA pba of a dpeMd amoad, roust be a P O Box 15fe9 Woodrow DE 196M.04 IN swdrr In a ovWraG edances. ro Ad Savica, MILLWO R MTS t0ntM" C f I . , . rIQIN Pon" Mw pamvalN SSA. O It N veld dWm or 0 my wdh kiedt s r=Weda ay reserve O our N ie d stun or Qmsoftot Arad Your fin: If you IN& your bout owe N na N wros?, a t you, nee pare IetaotlNn wool ahuuacton on your 96= we big l( wca Copp mN S M may except tat oherk ford you If ago owe say WNS sh MOM b t cce rd a b . e ce on a 6lprraa doe a P.Q gar 15299 filing haNmel. MgkNnnpptton. DE 196565299 a gem as pomw wt augttaw ham y p a l pawna aeV a y on" I or It. NI oWU ppmonle eIW ea tocft addrecshem01 hreaat MesealY 11 ue h n ow M b you, not Vail tolata IMn 6o dcp a erwe two you b feat bit on which those reels atlopd be anon or pabiem You son idephom w, but doilg w ad not sYWrnwtl. prWnnyourryawhdwOnusfefosmviix;wbomadon 19 WI y aoool is i a eiwdeahyeror6mwthybsgnnlab.wMahw amount, are yon apes m pay n when Wed. The e.. I ba • Yftr brat account aanbw notyososuYahr •11Mt1a1Nranhoumd9ewtWeladerra ail lee Nnos- • Detrbe the ma ad ex . If You car, why you believe there Is kunifthe won mW" 30 of yyoonr ao1Hy w 1ha1 you wish to Nil Ease we MIA our salaw 0 Vow akeouof as error. It you need mom laff rmalon, Om$bo tla item you are hich M l y . Iw N tNnanpeO ad if I"little Ift you pyyout 01 h Ind. Ybu, arnang of ft aanpal fur dosu not a :IM your err0ull sod to sour M h w e amhp Onaure abour. bepllce You d , not have to prey my sweets in question while we are ow dpm Ill O-OPWa but law are tab oangMeo to pt' the Darla of your bill yaw rq to Inc lour a mm. H yaw ueece it IN *=it by you w a haaepiors st that an 11 in welf*h. WNW w irmwdp* your question, we. we w9 centime semi fpoR ypy a dafMgwal of Wes fah to cMIM th m e olhxO 1114Itlef ta?lYe y0a aral 1iD' Rl e a ou DalAac! N N6 YDa gwe1141f Y K hM 0100 and Us to by your MR cord WII p n r aA-- B4Ma?a fAmgr: wbtll umgtheaPOCObrsriedCraMShOwaOnthih Ift ftMYWFdW q?ardegdlq aal0{a1f, y011 an app pm limudmrge, pryreent +ahgyamoumyau txNh lawmen, To shop No pyoea,yaw n n N err no bona (??.gg....sMalce lrapaahkDerdrsa lklwnce, dmde (•eeclk OWaad -) Pwdvaee p * rxl fueryMellquhlasaddrecofCustomelSlivice lobphone ads spa cast mall dw m w dlNstsffiMaD MA NO us al lts/t0lmo Dwimss muster u 4 l . . nab advances, prmetNhlal bdw4m or aura" s, " Da e s eumrelk paympK N usmdsNd to wAr ). Theft Spetld Me for tram pal Parsnip' If you have, a propene will nhceNdioro lnhp Conran different ateaafes ierodlkrom eaaeka•ynarms lkrela ow qua dW our quest' of goods of mica dry yau.purdmad with a coca cad olr t nqrp rate Now in sai aN red pay wry, sad the I how dererAW red ra a (Mwkgpwgnw noun oft a*oft awmlovefried hgedd UM to aired Iba pdAwn who IN mlrehics. we my sat lave to CamaemDa hdreerrwtl s o t dom Is d mNhmm ' r due or ds ga in M MU MINIMUM g ?nray when ones go plu a x on elee Pdaa w thM awl no S SSO haws aM tAN ms mesa 91s ft mg which you how Cry pariodle I %? in msaeDOO flown charge IN each balance trust ?ma puahaw out; mhos In hone sate of "No 1100 MW of your . asfi idgnce. m ilift address. Theft linnWam do not apply H we own or opens d of" iraaaaaon. M tat aMhw N amm N bnwent all amoaded, r AroNot r the m echo I. air we molted you to advrtisment for the property or services. wn1114Da 5of13 Paymerd Due Dale Now Bslaue Past 0 Amount PA#ikvbLwn "mint 54534.00 00 51.7esoo CHASE O Account number MO IUD 28218882 $ sleyCud SWraay.lr.w: Oae.erleee. lane armura endoe9d. .aeon. «emeMt P" on ball. 4640182025218862001785 0004534DOOD110004 KELLY MAXWELL OE!! h,,IlLir.bed,4,i..14,„111.,,,ILI.I,..IL.I11..dL 111A ((E!!Y ?NEWDTC NUNg(.TRUND PA 17a70.130 CARDMEMBER SERVICE PO BOX 16153 IM LIWN3T011 DE 198065153 1: 5000 L60 281:1 L11 2 20 2 5 2 i886 2 ire amazon.com- a aeeeeeyw.99wnt ea11n9: Mrimum Paymem: (1,70600 Payment Due Daft: 04+ MI Aedtaenefaenhat I,fen,eeelt ACCOUNT SUMMA Y SA Account Number: 48a01871D 2521 9 Mvwieray Ieeeed on `hone'd. Previous Balance Sa•395.42 Total Credit line 53,800 Purmases.Oath, Debts x$39.00 AvaaeMoCredh $0 Finance amm" 4100.58 Cash Across line 5760 New Balance Avelade to fresh $0 trs not loo late to resota rie oublenalrq bfetos? On your oe6tCerd account. We hew a .arialyof payment OF*= mat may be, right tor you. Call 1.006792.7547 (coflec 1-302-iBt-8200) today. Pitimous Points, balance Pbims eared on all non-Mlawn purdtaass F*ddW this period Remaiinpbalwas Tom earned the fear Oats of Tnur-aclon Merchant 05ry3 LATE FEE Daly PericolcRoo Corresp. Category 30 days in cycle APR Purdlases V.08216% 29.99% Cash adlanros V=276% 29.9(1% Balance n .*W V .0x216% 20.00% Total franca e(aegee Effecava Annual Percentage Rai (APR): Pteese see Information About Your Account sedan The The EbeorresandiAg APR is the rate of (narew you rapreaatq your bM Inane of such r as Cash advarrp anal benoe tanela low - 0000001 FL 33MC2 spa r 9 1 b0(e 0 Earn a $25 Ama2on.com Reward Corlificae O every ante you reach 2.500 points. 441 0 125 lArnom 39.00 France Charge Transaeton rape Dsly DuaTo Pee/ Accurnwaled FINANCE BeMree Periodic Asa Sarm" Charge, FM Charge CHARGES 57,400.17 $36.73 $0.00 $0.00 $36,73 50.00 $0.00 SO-OD 5400 $0.00 52956.71 $72.85 50.00 50,00 $72.85 $109.60 2990% Or beer" camputason netted. grace period. and otter iniponant information. y Wren you carry a balance on any Oanaeclon categary. Pea • including trenaaclion less Dressed as a peromlage 0 MOM. v,p.l di 0036 MAW 10199 13j1000004 MNoM 6of13 Address Change Request Pliers provide irfonnsaon below only 11 in I address inbrrrdAon on tram is Incorrect Street Address. COT - Sizes: 71 P: --?_ --._ I Home Phone: -? - ?..._,....-,_. Work Pnone: -?.- - ? E- nel Addreax - -- - L i To contact us ra9a7ding yola7 a nt: ® ra U.S. ;-era-aa-ww ? ENelin I•adMGa]ba TOD 1-e00.25*1$MO 9efW nahglketK MUI PayrrMb to: Yhltow Mklgllac Pey by pranat-east-a9rr7m P.O. f32fe P.0.8ar15133 Oud US. ova ed1rR V. atm. OE 19ae6tas6 Wiltringtoot, OE 191,115-51193 i-act-eB?-62pa PsdMM GO Payrlsnac for POP" by regular Imi your mnmm w d t P o qet duly klemx tot a= day Of thr amnt tiling cycle. U.S. Mail. seed it To G 11i bag of ft babes by each tonight, add any raw ' : ue o ear m ay sGe Poe psymggts qr fuse address shown tmloacdorr a afw deb a pndmft Mc. uapsid Maio glees apngy "Ith ran Ord ogle cfrgesTSmWaa say an aaab at credits d mel f)w d thi iwInhat4ore ac an the ahtemenb and must be ease ordtr, ps la in U.S. and d MO on r an t o rtfaa at money ad}µtmadss Tpnsad{ena ao added as of the traryktioa der, the ptla64 throlglh A begin" of the UNeg myole in which "y a" ooeted 10 your a MuK nci U W at LLS. logrbeautodon. noel Oo no sera no sendn o I call. I . h e U.9.Brandt k mYine year fordyn f wrfeW 0"' rater date Of ate dtWo (sa W drat dick trans dwls flr added nlrnamr on hags aoffMdaledapuy7ltd0pyyau araid d l f " Check or moray alder. PAvwherds nest be h h M the pwmpwt coupon wlgt l W a aa ooi a).Fws by tic am added elbu an the Ism o a raytd tlamaeion, tie them flay ue s od as vMUa Ponitd m yea aaand, a tM rani day O Nth bung side. This gives t =V IM N KwO nwdo "W. ft andopa voloPe can ON Pe f lm vrlMerr, ft ON MNgadasoupon•antthenanharo i in o ro fus tMnw11 re a1 dys WYy haleaee A crtdn badly is derma N a O24M co "perdjx,raPm xro.Ng I&I snicrMe4W*to&VkRWC.WmuN*dted* or cartspardence iaG rdel w11t yyoauurr in ac wit our O%mw fegiaeaan W your P?mm1 k hglrnor by sfir d* pnfmie Mk o oet yar pwlmk hasaca charges i rabd l 4 to us an sly day accept Decaaaer 25 by f:M R PWma u lddres on tars awndd. we ads a s e aw b e ter line[ dry• We drr add ftm "dodo tbarlo : m you defy bW tlae M on berana to ppat t e be aft Dabaa or as gad fly Installations tM paYdea m deli petbdid rape c*d apps based an the aee"ae oily, baMrm we O's your aawm r Of the der. If Your ammem is as Ptpane l anriv*m. bat Is made avolable to aaodrfes whh will Ids the dally We* ram drtfmlin or ae werrge logy baranee 1. P•rn. amoam It Ike end d the bf rat ryes to alcdnie go dray periodic INN UK Id our Paprema address an aw myo rr account a of the niad day. B N oval M7WCgorr or gyo p pylansl[ b for gr , we whI wrda a dram shags seal dpi.1 yaent To gat ydr Only "Medic arma7 a for a W rp side "clan a S mss is all ascals MI s a s g our Paymaab address, amgvq of Yaw ps to to 5 days, Panama nlmie nis7roa>ioty y p R( ) sp ", we add ri of the My periodic yaanee a daayad for charges or at taanem To de0aminlr N stage di bgmfm we onr daanrGd add r dW o bd dMi telephone service. Crfniatrer Stweia advaava, or y u y M= and ak tlK number of rfa glove M the r y/eD sae wet be appgobra bApag W deft M au p d subject to am proemrairp tiros cloned b gKS drama[ 111dd6a0 8epned to Credit er y 3 M a day Whnoa per paymamt inch hoard" by the IpiaW logy parts* "I'll "N Gra mumps Yya may spat each d thw rpuas by tM romlr of oa s an as a sM g hfbfahallew aboni yav achaamt G Gad[ by r app p b/ np late _p?a rmMla. ayda(ij and then NO rig of as "sues oaalba. the total ova also to a done retreat, you nay Isms to nth at the by on ads abblMlt daces shown char . MWae Abed EleolmMe Cluk gmfton: When you cabala as a4hd to the Wemglbn tram mum sty by check noon r chaos to cab NMI a one-War do*** lived I"nskr Irmm of the Payrbwt as a tares IhtrapbI Wh fit or to p"oq twit l t. en from your check to mare an dMraek fund trap use ed on arm iunds new be an a n tsd t stln he vwD*addOwnlmmyyomacvovma a wanml"ynnr w ? yo u =vdvdeie CM ga CDYew W#U Number aa? t wil " 11 haae gaestierle abbot dedm* look cokctho or "t you butt do not last your Sala paymesb eeaaClad GnMaalal hyrpmm: Ara ehrcx or ache Is 4 form of p qymKnt sore tbatyou ardus for go l _ fog barance due lsnadad'pWd area bilkdN WMaineaob areatrm, sod yr ages to miuodit god= n no %able 30 theirs of tae dam e fee Is che" ant attla r In 1A Yo v NYE" of th clew year aasam and to yaw aaou" a year ass ro wixrq the rant tr b1 cab am city" pedodfe rate. I that rate :&M "a old l the bf cre1R in tnmxftx rise or Chad ifaeh Agreemem, as a =41 har Is Car of bras a 1 k on ra wnrnpil haste rol for address. we bill, wa.9, ar Or hfl S ands balroq. wrink atoa D1 19891 eM g mreu rtni beyon nolINV urn gg d Irrohafha4d grow «RoMmon,alPp MOM W fa Is vAl be •a wrril yaar3 aW watyN ON• The dWar atnotnaol n fin let is Co- no• om be thm area a go yar afxoam an owe. B you nee mhich the uafdd snareaoNl. Italldlg btmlla Yon do rot hive to at ow aghb m ImasbOra, but you trdhssedre of the arm no In Niue, we Yra eominw sonar fdpat hags ae I a bamoa le Ion wn mwtlm if . t a for to 1ilin9 cycle, soap for minor NICS I ` I "r *Omi tM Crop it ksyded to tars in tog is rrelvd a year amalwt mdedk arena dwgr an rwpup:hem If ova tomM tom p?f?d of year hew ram bytha dam and are your pa}nrtda f Year a- Balsa gn yea pravioo nr Yarr p?mlaet wa dos ltde Is no ,e", on edver4m. check traascions, in Abrd Year Bik B you thirds Way bil s ingernrliorhaMat a tier eaction en Yypwur on a wpflat enter d P.O. 9ox ISM as soon a powvL we haust hm trap or We wit YOU the that lea an which the ON can Maphome as, but doing so ads not us as folowbhg bdamaaon. [paled offer NK E you C MN You behmt dltre Is Intonation, dOmaHem the hem you a" I al in question while way art ath ale >enl gtie?am y0 y a 61your wel pd for NO scan 10 solrad Wins amamr! aorkW w 10 PAY YOW.ads card big ga at cracbv account, you an flop the fbt raw"aa. TGW" Be paymmt yow sddran of CobaaKr $mrvics sfeaph an red) "A taco r It INK Ihree busiME nwa Is mMt44d to costa. Padlarac If YOU hove a p"Umm wal vent e VM you purchased with a coma cud m.••wn. r.w saaam.mc wenchas paoham Trade dada, as You bare tried in gone for 8rd aefd daarWw tM IQ sofa Ike probbrn with ar reenacts, yore mm1yy nth Nov m Rene bdM Ghtnamber pythereminingNewlyndueonshe odaaseteia..YOUtMtis is a milkimum r7wtam in smY Praatbn ony whN to padrN Price was mum hm $50 end me r?yy periodic lirtrc elms and a Purehse ww mob in tyoOmYr hoar ante Of within 100 roles of your arb b,wea'e stove! cab afftpee, mwlft address. 7Am jn t bord de as apps t ws ewe or Opera marlnb able, io Gnwentbef the rnerehare, or if we Irrited you the advertisement Id the pmpeft or sonless VA111401 7of13 Paymam Due Date Nsw Balance Peat AMQum Wnlmum Papnent d6ylvoa $4365.42 09 s1,44S42 CHASE() Amount ltulniter:48981820 2321 M2 $ sae CarracsiMeea?ya?eee: D eagrire amount erhGOSad. alarmr?mafi4 Print an Ladn. 464018202521886200144312004385420000007 103LIrraoc=LO I1f1'??l'w'I ?ILILI?II IIII?Ia11?i?n'Iw ?61?t'1111'w?lt1' Y tfiA7W1fELL WUSOTERLAND PA 17070-13 CARDMEMBER SERVICE PO BOX 16153 WILARNWONDE isms-s153 ?nlu?tat???wl?nl???utnt??u??t??wt ??uwQua?l???111? t: 5000 L &O 281; LS 2 20 25i 2 L88 6 2 Lila amazoncom- Previous Balance 54,236.94 Purchases-Cash, Debits $$39.00 Fstsrm Charges 4709.40 New Balance You haven't mods the required payments wW yci updated with a novels" rating. Please sand your Prewous points balance Par" an all non-Amazon purchases Rmairing balance Pants uhtsvalabls Ir redwroon Total earned this yew Date 01 7aorisarJga dmtmqarrtt 04112 LATE FEE StWWMM Dale: 03/10/09 - 04/16A9 Mlnlmran Payment: $1,443,42 Paymem Ilse Data: OWtSAS Credit Une $3.000 We Credit $0 Acores Llne $760 We for Cash $0 8, lAuhaga yaw aooaela rhr n? aaoamasa.mmtArnawa Additlalai aanpd<bownwom aonveNrgy located m rwwraa sda account is 90 days past due. AS a resu0, your credit bureau rmy be n ds" r ®N us at 1 410 0-956-60 3 0 (0414cl 1.302394-6200) today- 0 Earn a $25 Athaeon.cere RawaM Certificate 0 every time you reach 2,500 points. 0 441 125 SAmo+m 39.00 Daly Periodic Roe Correap. Finance Charge Transaction Daly Due To Feel Accumulated FINANCE Category 31 days in cycle APR Beall _ Panodlc Raft Samoa Chow Fin Charge CHARGES Puroesee V .00216% 29.99% Chwh advances V.06216% 29.99% $1,415A0 $38.06 $0.00 $0.00 50 00 $0 00 $16A6 Balance Danafr V.03216% 24.99% . . $OA0 $0.00 52.-662.60 $73.42 50.00 $0.00 $0.00 $73.42 Total tnnce charges $709.46 Effective Annual Percentage Raft (APR): 2L"% Pteaae sae InlorrrraticnAbWO Your Account ia09Cn bltienceC0lrprgeson nwlhoC Brace period, and other inponant irdormeaon. The Caneaprrdvq APR is the rate of Wris" you vdhn you carry a balance on any transaction category The Etlatlive APR represents your total finance oh . gee - including transaction lase such as can advance and balance transfer bas - pressed as a percentage, oamom r'1633=c2 Wit r a era R deal sa01Ae Plat OI DING MAMA AN" 1094000o®ooraa.01 8of13 Address Ohonge ReW m Ploae provide What. don below only If per address imomwtlon on trans in Incorrect. Street Address: City. Stae: 3p: tome Phone: Work Phone: E-rsea Address L eearm r? To contbct us reOWdrg your a aunt: e 7 t-0a6 M US .2t7•tm0 - groaner 1•aeWF33es Sand l TDO t•Naa•96Se060 pd oquirles b: a1atA aywratls to; VleltOmWebdte: Prlytwy phqul •Baa?e67966 P.O. ISM P.O. Sao 13150 Nmffiho*AOMbmugm Cubicle US.aCe-50 whrim :-3R-u8a$200 ,DE 1traG52be Warrington, DE l aae•Stw l?adalsk of Psyaeac Far psyroanl3 by rafts, go d* Wave lot Meet day, of 0118 Gina Nam type, .S. dirt sand it We btu tat tltpinrtihp Wla nce her oa k testae s am ro W Igst prr nsnimrmh due to our n tKS shl Y m . R addrds tReml tra nsadon aad18r dablu (ktq u di f ma rq , arQeid rwt es n ass o aaenL t>ayMma by mW iatracsone m Mk dabrthrw and rneat he trade carpy nft the and otlur chlrm), aahbael a1WW paynenls or credis, and rralae oUta chec at nwp m osmonb. Yansmadonn an added as of our ventilation data the oiler. opsynba rnow In lukonaera.aoddnamen of US. Rnnas ImYtulaon our the U S wadh of , g0= :=do of thetblirroeadein+Mtidrtheyanoealedeoyooraaowa, ' aaC el dam or our dreloa (AEept dqt MMtlI tra uderer are &MCI insiatbn. Do not send c ph, NMte your Mcou check or money order. Pwmems must be mum on your anMlMdabdeposaedppyythepdytdoraIderdtlogeardroico}Fees k11pY1Led by file are added filler on dedae of a mlWd eraruachm, the date thry we terrorist ceapoe In IM OMW40" Provided with throtgh the enntepe wader: Ur amelapa pnaor BMWs visible posted to your aceornd, or tta teat day N the biNag cycle. This gives ebin mom than w them Is dmaX balance. A credit balance Is hgbd as a beism of ant porous at ookpos: and than an tie no Osifio . pe{rr dips, tape rem ill a daffy perbdlc Ole ggNa to try fathrre we nadNpy tbt daily % or correspondence fegaded whip your paymtas In accwdaMa with, ohm in tdoWliess and Wheat to us m an d ra D T NO 2$ b . yrnr Payn?adk balance by drNy periodic rah loge[ymr porlack branch chaps it rnatla a MV. for that day. We don add Nam Wade trtrra risk rws b yON defy ' s y y ces e : R ur y PAyrnsth addrass on MA, abfWARL M and cram heal rime M our bebmto pM dm pine bManoo fords Rod day. Df man then one I the alYaraM to deny ppiaere tai Currie rpPfy a+ad 0101 the aaeege day he inva m' your account an of Ma day. It your paymem Is I our wynwd instructions. but k made avalahM to ocoadmca wkh oak use the decay perha t rmetlatappksfor the W*W daily balance s afla t.UO p.m, amount a the and of the billing cydt b creeds the dry anodic local Nme at our Ppn18ab aedRn on the to yerr aaounl as al Nre rred da .11 you do nM h g lr U ? ll yob sai by t , era wet aedi h maraca dtats eedr rip. car payment To Nm your bbl Fa Imo cnrga for a baling cyda when a U.S dirt to dally periodic rate s) applies we added of the dory ot oak inane c w o b a T A ay aP to S dups. eldraa n. Ppmam sly one seMcs, CrtNrrrer 3awo advisors, or no-OT , p y be yuyee her dwges for is bmerm To dWrmiee an smap6 eaiy baance, We n cur suwretmd add your Way balances and dbadt by lot nwnber at hey days an the weD atb woo ile apldtacis O"to aye(gf)_ gym Itelklaly the MAO daft brarot for •wsr yam a--M w Grass migsedpaymetltteredyrd onymraotwim urm6a mporC if you tNmcwe ksw ra orbd I see none. cyde(s and Inen add sit of ft Muds eeg PW. be-ted WN also be in al periodic Reserve cougar for the base " for ran inl Mio b ' T p yon may wrb to a>t the Inqui om n mieor adat rR due to bur[ding. To pis your helot ps iod e . NNW" shown dha n br evdn d d y e b an ass ae NmkeAbed DomWAChakCo mmaon When re Pe ftr re) e Yns, r y atmta aa a a c d b : m you awe" a Ww to ass f ftmabn hem N ??reuitoto ither. pry he ?? Noreal t anp paiodteram ar y e[rca to make the Pvrodb Rrana chum for Ue tleing cycle. except furnisher a ea-time electronic tuns tmeebr from yy?pwr the PWMM a ¦ drat tmeuceion. 9yhea vs M to Dracatt variation don to u1dry k M use brlorRedah Smut tamed (aliaet26 d ri di from your check to aake an ebmc It: fund t iWxin wnfsmyarrnowitat am a the am ppppnIlrknMt sadyywdt Val not relive dradr badtf c ii. etaoa mp oars pe o fonds may be on a transaction. lot. Or Menu elpa tram the Oft R Is added to w in your No yyopur d ba11Rca was Wm* In fun is receMad on your account rva Rorrcal N i c be ww' 4,a fdp4a11rSnrvW nnrtRon la waut r,we omt erytpr odk 01nmcecha0mm?wpumlass eeMnont ryou bib d Wd befi d Ieve gwakbe sborA rdedrorde cheek eokeetioe or a np a rq q" i era menu trot boo?t of)W ROW o wdyour Balanon yecwremaewmM by tedabaayourpyment fleoYaMaly. M1lraalc Any pMrhed clack or stn thatyousendatratlassthatl[reHNbWroeduati Is due and also opmaw of yaw Now Seems an your previous tomr of mot tMMM by the ask and *0 your pnynwd was Out. Trans Is 110 $msrbd' rd ri d1 , in ran' of Captains a star noleton, or cat you rue aftfn ton of a dam" a vast be Sans p 2reaPt o 114 bmamtransfers,Cob wnnm.coatlrtransacdonf:, teadm in m ovadaat advame. to Card Sunhat. BUNG Mon, NMYaRY P.O. BOX 150d9. iA&IW M, DE 1 dr01A d koft mre? Mmepa)rgab (a0. R k Is ay Wd dealt is stetted at mane al out In Cm of Ewen or Wndbw Abed lost DIN: If you thkck yam bill the b no law rarp, all laps need aurae Isfomgm about a hanation our yam seduce we 100 va CUltnev r Sala1N on may accept IN check ad YOU will still two and Wt mar mina in aoupl Y tent eatYe s rd a I e a apparent ~ at P.O. Nag 15299 bWrka). WlTOM. DE 19850.SM N sooner Padbla We taut brut from it to you no then Do dors sterwo asst yea On AM pl on white the o o e dra replis ? in ?Mm makesrehNdbe ororaproblarimplndps p.N M ad Yw4n~oaup.AMdoing so is nor ads n 014 following kYom+aton rr y W MMmii I bewel a am bur R wit be •nor a m Sanal rnrad weber. UadsaaomernMMW&UWMMMwlwkr amount. era yyoua agrm to ply R Was treed. The ow on f .Tbadouartosount ofNotaogaoudsrror amt In is run. . Demon tie pmt trd esplak. 0 you cs4 My you be9ae there Is muiwahle uNas yyoouu SOW a Mat your With to rAMin 30 drys of ihtdove may r abtmea t yaw account no star. R yen reed Jews inlormmtar, describe the rem you are an h th t y u on IaBchanged admthenine Hmo.yOYPyYour n toll Your p of Mnml7a b n t c te e e anus abed. baYrnba Ym do not here to pp the amount in question while we are d t . to N o mat card to lea your mt etCaa Rook yyoaur right tom at mccovst it s m t i p as Oor b to [nvafipOMrp, but you ms all ob0gaW to pp to prsh of yore pals 1raaYeCtlat m #all are nP k4, question. Whit we ih oedOW your therveh, via m yaw e u r t cased by yen or a e C?rq. Nr?I"b?tmP ?d per,yo:w w0 Ma on'no a Controlropm you as ddmuom or this adlm to tobd no ataum Whom In fug you gaaskpa ll yaw Imo A00dud a to on you credit card bit m wamml. taae aPmear rare ter crags Cart Fm MC If year hers a orrtbem wM akvlrltat rtgv tY,y+bat dOlNrdat alaoda tM Sams daffy ds gaNy at path or sowwn m you pwzhww VAIN a cma Card pldadk (mit. aims %a -r nowt a N 4,W Mla sbbmem, Iaxlraing PurGraa medt wkh a dada, and lam have tried in good flat Me say vary, And ma Milan Me In toed daaerdn eat fawn th comeb the problem Wb rid MWMN , YQo mt Nee b role and es cormesperi a APR we dwwe in r CPdwrmher pay tM ranrrywg 4MOWA da on de Pawdp er nwcnn. Ym htva M's Awsormeat as mmeaded. Them is a mihimun R Berge in any protection rude when rte purdra pals ern Rem Man $50 and the h in which you Jew any periodic I Chalpe4 oral a purchm win made Is your Mme sae m, within 10o min of your too n saneoe defile for train ti danm . radr alwrat, maiRep addres These irrwbtans do Rm espy is we own or operate or Check taueacwon In OW INDMIT19 slated In y r Cardmamter tN memtant, or if we Ivied you the awwsttrcnwM tot the property Agranwn, as aW06d. or services. 1w111ae 9of13 PaymerM WsWb New Balance Past Due unt S6nkau pa r-I DN12A79 $4,236.94 tiW0 00 11,,9294 CHASE O Aeociard mmbw: 98401120 ?!21066 2 - ?l?ervfom btets: . P as wraaerntatwabmed. address of entN7 Pant on back. 464018202521886200110214004236440000006 1e1.Aer20)C trrrtttr ?..trrtr trrtrrttrrrtrtrrerttrt?rptar?rt•rrttrlttMt KELLY LY MAXWELL 372 "Ti CAR DMEMBER SERV ICE NEW CUMBERLAND PA 17070.1306 PO BOX 15163 WILMINGTON DE 1900"153 Ilrrmrr.ntnrtrt.m,a.r.nkku,n.kkkNir...nr..i,uik.ri 2 86 2 hit, II 1:5000 L 6(J 284: i8 2 20 2 5 L8 amazoncom• .! 02/1 WN-031IM9 B aynayaywr.eeamlt.w6ne: Ytrrmun Payment: $1,10294 Pa)R m Due Dale: 0024n9 ? Addldceoi ooreea krterrkatlm ACCOUNT SUMIUARY ??A A.......r u.....r.. s.ew ...... 7 mrrrerimdY locoiad m rwrso side Previous Balance $4.102.38 DAd (?edit Una $3.000 C Purcheees. Cash. Debits •$39.00 = Cretfit $0 Finance Charges •996.66 ash Access line $760 New Balance vaiabtefor Cash 50 The charge PmOsgsB on your aedt card account ItOn bow revoked. You no longer have the abifity to use your aedt card aomrd for puOfassrs. We can help you get balk I n track Cal 1-BOo-955.0030 (dollw 1-302.504.9200) todey. aMAZON.coM PO(NTSSUMMARY PrsviOLA points balance 0 Earn a S25 Nmzon.cem Reward Certificate Patna eared on all non,Amoron purdleses 0 every lime you reach 2.500 polo. Rerraetirp b/arioe 0 Poims unavailable for rederVion 441 Tool eared this year 125 Date m Taneacaon 03!15 LATE FEE ?amount Prance Charge Transaction Daily Palo6c Raw Corrmp. A age Doily Due To Fee! Aarfmulewd FINANCE Category 26 days in cycle APR Balance Periodic Raw Service Charge Fin Charge CHARGES Purchases V .06216% 29.99% $1.340.20 $30.03 50.00 $0.00 53 $30 Cash edrances V .06218% 26.69% S0.o0 $0.00 50.00 $0.00 . 50 00 Balance Yanflar V 0111215% 29.99% SZA13.59 $64.73 So 00 $0.00 . 354.73 Total finance Cfargeg $95.56 Effective Annual Pwcwgllge Rant (APFO: 1 29.969E Pleiae see kdonnallon About You Account section balance computation method. grace period. and ohor important into9nation The Cotrospondkng APR Is the raw of Ins r" yvi y when you carry a balance On any transaction category. The Effective APR repreasrva your total finance ch as as. Including Iransetfion tees such as cash advance and balence transfer fees - owed as a percontage. 030" crsmc ergo r e r9 Rm ODOR kemaa Pqe 10 1 ON35 mAan 16x10 07n 0000070001 swo, 10 of 13 Adbeaa Chanpa Reg-M Plums pawide hlorm6fon below only it 's Wnm inforrsrtton on from is ncorren. ShreolAddrow. -? -_? City Bladv Zip. Horne Krone: Work Phone: E-rnei Address: - - - - - _._?--___ L To contact us regarding your Alex ount: ® m us. i-e66-ass-+o6o ? H `? TD i-60pA4560 mad uHea W: MW Ply to: Visit OurIffitinfor. Prybyphon6te0p4687966 P.O. 172!6 PA. Bat 1e157 ?m Outside US. ad cd*C Wiroh on. BE 19450.5296 W*ntW^ DE r$US-StB3 13 -129+62ao taarAausa cabal Tarr maim padkMp AN hyaena: Isar yin by npLear lash your milrlaun psyd?prGdue 10 w Our To gal the daty hrasme for each day of the cannot brtihg cycle. S. WAX sud It we law as beginning bdmw for coca I la,- add ary new adErds shown trwnepore or low dabiu padw6ne tans NOW Mules OE " on cads tolpT n. Maui pp??mahuts by mah m . M osrnpy aaD tin And other dw m) subbst dry ggnknis or aedip and malk other indrodons on inn atalameM, and mud be made ? , , Chat a rhMM st@ dMWMs Tonyaoldns An adYnd at dl ft b3l=cfion deb the order, payable In U.S. Ddie. and dmak on a U S tierdd fatikdion of th ILL b h f . throupb a beginsingoftheNOV= inwnkhtkyareoostedbYour account, ' fi . . e unc o inghalon Do rim send cash. hands your Chedr o moon Pa l d r b , n meitl a a utr dined our du (etheapt that dentomadbe an Added no an your Am oflhedabdeposited =the payaearalaardakdour dfalal ken s mad r y or Ytrrell e . e h! be wadded eithr an Uri aa ind tnnoedorh the dab they are payment coupon in the a wMW proaitled wide draugh deaf athim id mos; mA anhslopa named Bddless yehbde posed to your aomwd, or the bet day at the being cycle. This Ores ararofAan oa yap yys"bAmm A arak biwa ll cased s a tisamm d ae point" or cwpba: ant them en he no . ps0ar dW. tsPa ma M I db txnodc nt4 appbn to ay labre. we muk* list daily 1 yyppu1Iff pymerR or co w6h car gamed kl tr M ind your pa 1?M Is tadttks w air dry psdada rase to qR your paode A rw ehrpa b dada ag7aDle f W t d h dd R m la ea RI ant deal aac? Ofcedlar 25 H :? or o ay. e t en a cloud perladiout aam?yphn duly .lent time d aua hWnnate en lea eanen'rn harama f_Z=_ Ai . ,••r•••a•• •, ...q 1--.inns ?.epy canes on raeaewage many ammA the your umem.as of that day. It your pymanl is t aeemdarea;WM will use the daily anodecote the applies horde awmpedaly babmee our payment nsWations, bat is trade available to alter 11t16 P.M. amoust It the and of the bldg cycle to cekulme ft dopy prtdic local Note At our Payments address on this stalem , we wW cal i it eeao chary" each ciy.l to your aotouat as of In rand t do nil our Ieynrst Ts Net yew find snodk Bounce st use for a tubing tyda when a Irpbntdlaw r ryour paypkm b not no by Lou u.8 mdI to daily periodic relax) apptks, we add of of to dry pakdk erode ou Paynsab argrss, erolsap of aeYrrra a ddlyAd IN deryes for all Imtlwea. To determine an tuants daily brume, we up to 5 days. Payrafn mat hh?r dual roltma0ed cap da y betauka and dirlde by the ra?mDer of the "n the nkpbm afaNCe. Cuelrirer genies adriam, If r well aide wkl be apple aMp vjW if mulppy dleaYMage Giy 621 ?f y stdyea bay processing ama disclosed for ease fecund iy the apM dry pslodk rxA6 atd clan Anatd bbmmdm Mprbd to Credit sum aey relnrt Bath a ens rends to rwmaer at cap In the afhplfoble billing 6Aommm abaft Tar a1 - to we baoW 11,8111 Its. cytleje1, and than add as of she reedit Wodber, the total wet also m'ssecipaPtrasoroserdelsaleonEz., be in eaqquual1 Use psiod'e Andres dirges lour the bra your aerie report f f you lmah wa hamidomurion 2Aar wWtlons do to rounding. To get your bial makini fc?finuce to a emit brad, ym awt"te h seaddress shown use fa a llNMrqeyaa0a rV aMnk G Aek rate ono add ft together. rs bi apwaer you attitudes see Glow b neat Ndormglktk io =I* t? rakAs pedwt. The teal will equal periodic fiwnce chrges for the Ailing cycle, exempt for moor a ate4me deWUnk lad tmuW from your or to pPoCaa weiatiae do b rouhdn? to payraem see a dneek tromm on. When we use Idommaioru Brine plrbd (at Mrt 2i dapa? aY meroe periodic Annoe a.. Iran yeu can to moue an deWonie fund t F. it" may be on a t omo foe, ba or Aence Chops from the dab it it Added to wkhdmwutmn your aaamtaa seen AS the dare see mdxYaw your spay baianee VIA payment in M It Method a Tar Account- we aayyrrar??rpdseed WaotreedyeurahedohAdc youfwgneiai xowavu.wedoamcMrysperiedic,Room9arpssmnwyourchan Mstsklm. fi to Cebmprgervics numbr on IN snnmrht 9 YOU tilled dude a WFg ryeb it we raeree boot paymmt of your Now dare Oettalae about dedmnit chick coleatoa or is mkt want your BAinoA m year errmt siawrhrt lydhe can aeddpk yoer pyres ppnwnb coladN dindradpaay?trram py Is due asd alw NNea of your New Balance an your po"us tMtyrounOLIS Imbss?n 1n Will dcheck aI die mil kM'Prd ptftmwd by the OM ramperiodfor' *wa and as s h idvanaa a ruaeacAbonnOa in fah' or raarkka a *maw mMloa or go you Imdar In or owbik adamna M gobbo"a of a deaaa Adman nust be sent to Cad Services. BUNG MOM ie muv P.O. Boa 15C W. VMmk lm, DE 1 p SOMJ, resale All our Is Cos All (brae er Aaadim AMrt Your Bill: If you flint your bill dpon eaomdrp Ibsen pyp?r? (e.p, If it IN rend b m is car it yin nee mom Idamdioru aboai ¦ Wreatisn m r vatld dkwm or Y any Jude check fa canna at ay r adras cur b l Customer .... on a Iowae $Md at P.C. C 15289 may accept the deck and yin will 90 caw erg beMkoJ. MIfAln4mrr OE Tf1850 52!18 a wad pad bk. We swat kaaa Irope We may rohae b accept aV each pyned 6Y Mum pit )m, eat you no ale than 60 day abr we seem you IM 1st bill as which the Wdefts reehiog k or iL AN aaiNr payrnems cod cods sheds be anal or problem appmwtl,You can laieph m ass, but doing aowill not dam 1p ter addNSa ahorm on daCmrp. prosarua Tar fglli In your ether, on us the blowing Irdormaton. Ampay 11 anaawi a If year oaooum Aa m lAe. a wAt be • Your ems add .... amber biNdmWymrM6lmcnddYSanllmeeb.wMl6aa not ewymr •ThedolmAmoutofthema?ppeomdenor account ant you is to If when bekd The he is inn- • Describe We Ana, at expNm if you can. why you blue there is roluadAbis anb4 you mAy in to you wish to Your account as rnor. t you no more nfOmldlaS daadbe the pan you are wait 37 days of the Ub we MO your shkmot whichbemnual mWreabom. Smkse9apasdaTlbaetaaslNs youppywr UMCB Yoe do not Name to pay Ay amount in I -J,n while we an In fail. Yaw perirhant Of the ameal Ise dons not our 6rNta to hewed immi but you are aria big" to ppayy the IS or yyoour bill elm Your mccum and In limit your right to trawsrda,hs on tit and not is geetW . Welt we imaatgsb Tae guwdi0n, we Tar ybmod. It year a m un is it by yam a w we wll tontine c a fN ad dekWAIV Of tab &Mon b ODW b enpud b cl"eywrmpr is coq Cann balance is Not you you bra stNmdaed to to pit your apdk cord ba yow Almwkwftmywnv carWr:bnpatagagyouemslopate ?hamY of FbreasOharga:de nlahdae pnaaoe p? 01myaawadyat lKNdfadlur is wnno. Toslsp to peymnt your uSn9thonOCabkpaiadaramssbownontlki a" bNAladluoko bRdd &VmuoFCsbmgweicB"Iwne for made nman((a,y0?hdrketons lrlmmiahianse ad mmbershowpmthiniftemadomudrabusmindthin business abma Cheab ( tnsaeton-), purcrars. UWdkrs. days tabu the amoneak Imposed it edtMM to acar. ode Advances, prom end bfto m or awraW Wens). TMs Bbshtl light for Crsdt dni Parchment: N you hers s proaam wddr okvlAtlan m? canbim d ffw d cal rim wi 9e dam daily IN array of pads or swMas and you wdmw wale A code card peddle Mtss.l derv b a Y aced ba P$F Ic rate mil afakmat {excluding PAOssea made ash ¦ chesty, and you hoe tried in good that rate may wry, add the index And In alga ddInni diet UM to comet IM Problem what to rnudkm. you a? not have to tee and M arespoatanD A w dedrWed in r Card bar pay the raeirMp mram line on fleaoeds or asauicw.Yau Irve this seem, as amended. Than is a mi imun fin rig. iann ay rrotagon ay wfrrr tot purdma Bdae ws een can SM and the b cap ,aT?taCds in which Yoe as ant ppeeri?iodic 1' a6wpm d a amkm wad mad in your how am or within too mks of Y" UaraClipn Imm shape for each Amnca irarwl . pAk Awnce, easing OddML These imlbhos do not appy If on own m operate or check imanda, in the amounts sued In y r CardMember the membard, or if wA mailed Yd the adwrfimemad for to property ABrcer art, a aeaded. or salrtau. i ttutt?or 11 of 13 Payment Due Dab New Balance Past Due o3n6ro9 $Ltgz.3s C AeCOUfht nutnba: 46?01t320 2621 1002 . Ch 141 -1 Ph me Minimum Payment s79236 belt. CHASE() 4640182025@18862007923?30041023600D0004 lu"mmoaeeac L..ilI.L.L.Ir L.L.IL..Id..r.11.1.1...11MOLAL.161 KELLY MAXWELL 332 tOTHBT CARDMEMBERSERVICE NEW CUMBERUMD PA 17070-7306 p0 BOX 16f63 WILMINGTON DE 19686.6153 L..IIL..IIL..1...1IL...rdl.nliJ6..,?L...Or.dJllr.rl 1:5000,460 281: j 6s 2 20 25 2 1886 2 In- amazon com• al°~t°„° t-t g1n9g9-o2nuos 8 t1 a.9?1Neraoeeanteel Minimum Payment SM36 Payment Due Dab: 03116109 Additional contact intennt& ACODU SUMMARY VI Account Number: 41110 1 620 2621 Ill mnverierAyloeatae on svwse previous Baunde $3.961.01 1 OW Credit Line =3.600 PurdnYN,Cash ,Debils +539.00 velableCredh SO Finanoe Cheiges 4102.37 ash Access Line 5760 New Below* $4,11 b vdablelor Cash $0 Your credit card account is past due. Please send t immediately, Call 1-800-955.6030 (cete0 1.302.594.8200) today. A W INA Provlote Pdima balsrw 441 Earn a $25 Amanon.com Reward Certificate Poit7s armed to a6 n.Amazon putchases 0 every time you reach 2.66 points. Ramrnwg balawe 0 Points unahalade fir roderr{Aim 441 Toll earned this yea 125 ACCOUNT ACTIY(TY Oats d Transaction 02/12 LATE FEE Amami 39.00 FlNANMCHARGES Finance Charge Transaction Daly Panodc ROW Comp. Daily Due To Fool AcwmU&a;d FINANCE Category 31 days in cycle APR Balance Periodic Role 3ervlce Charge Fn Charge CHARGES Purchases, V.00216% 29.99% $1.272.79 $32.42 $0.00 $0,00 $32.42 Cash advances V.00216% 29.99% =0.00 $0.00 $0.00 $0.00 $0.00 Balance transtr V .M15% 29.98% ,746.24 $69.95 $0.00 $0.00 4169.95 Total lnance Charges $702.37 Elteethre Annual Percentage Rau (APR): 29.991E Please see Wommatan About You Arnoum asclion I Dr balance computation method,gram period, and oher important irdoenarlon. Th e Ccm mWdng APR lathe rate d interest you PO Y Wien you canny a balance an any transaction c wagory, Thor Et%dveAPR represents your total Inance char as- including trnaadon lees such as cash advance and balance [raster leas - ex Xossed as a percentage. liA EWS we are roping you door end simple'. Tau a I'M V bmralofyourSkirrOnt-Wehop@YOU Ind it eal t read. It aI has everything you reed on the lmnl and I dL voth infarnstion simply dial. 1W. n side Address Change PA qu.t Plow provide information below only if Street Addrear. they ._.?._. State: ?- Tp: Home Phone: Work, Prone. --_ _? E{tai Addraw L intorrtlahon on from is hcolrm. To contact us f rgarding your acc unt: ® In Us. 14eh2t7.080 `? . 14aa.M6730a 9end 0 19abi6sem uldoe t9: satP eynerMa tee Ylalt garYWbaiik =p halal•a00?a679a6 P.O. 13796 P.0.9dr talyl Mnal elALAOM •..?.,.. U.S. eM OeaaC iNalrr , IN f9a10.3496 1Y6aenp6m, DE r96aE0taa 1.302•694-6700 bboo0aAbout YelrAosaaat To gel the daily balms tar each day d on currant billing cycle, CndW4 M Payment: For oeymalts by regular least year mininum i>erinelM due to our ihyin sow at $flow 9 m tube In beginning basum lot such ledun, add ache now transarAans of order debba pll do has anpaY tlaM ebarpW an alb ¦ arntaOts Your pynrmts by mix must i t d thi bl d t g d ith the = and sorer cherl, subba t any anymab or cored sad cabs ativ n nl ana on s s enrn . an mu o Ind. y moncy , ad?usgrani lragumO a w added u of IM Msacgon data, the older, payebb in U.& DdWs ad dream en or U S financial laghuiom IX live US broth of a bb through a n aoaa.lal beghuinooftho Winggtie in wbi ON are posted to your ecawlt, or a btr dial of h l b h . . . Institution. Do not and MO. 10Nl your arxoum clack or money order. Paynalb mug be new on your ponied by the our r p at d" lismact a (eapgt t wm an added aotthedabdeooeiTOgppyypup?e IXaralardaaa aoanchoice).Fees we added almr on the dab d a NkW tmsadion. the dW they are paymam coupon M lha arwNOp provk ad with throu h the uwd rI dot the awek m addmis MgMe 11 Posh to you account, or lea Wt any of the t11Nrq coo. The gives th d d g W g pe een one payment or coupon: tnd thera can be ro dapNc, n move n1 . tape us at ays ally balance. A crWk bailee b: "Mil an a balance ad ttra M I dailyperio6c rek appfo to ay balore. we mum* laterally or ?enet included was yaw payment Of in Wim our payment *Wudoa and eltl la we Oy ?r dNy Padodlt wM ate petyaar iedose tbcharges for ors dy We then add Vase kxk gaeaw ca to f d ro us on any day Z5 by im p m. PW=rA& nadaa 0n g ye, cis oredt t our tho f?- . p you y 4s e td #in begin ing EYfor pa mad dati. l6 man th o one d il , Yom acaam an at that If your paymeg k in w M a y role cocoa apply bald as the Mamee dilly balance, we ml up toa oft p&We at Ngappes far like aserape duly balance our Mymrd hmm?rcgolr bcd is made avaibble to amr 1 m P.M. amount ad the end of the Mang cycle to calculate the daffy pvWie local lime at am Payments address on this stale and o Your account a of the nand dec. E you do and we Oval credit it wx OawObnt linens charge no day t To aid vmur MW avd0dic finance for a bill- a when IlLi yaIX reel spelt ltyW Dmnx W8 ft M T!2tI lm(a11l1a0r1 11/ec to a rdt bureau, you may wde no us at 0te hgid addass shown clam YYtie Ahe Ea laeMeio Chen Caavrslonc INtum pay by n check mmoon you alatOrbl us alder no Yp kebroallon Or you Clree to nub lee t a twea;me ttteborlt lied Water fromYyOOrs+r t or to I , , ads Use payment as a eMCh trenaction. Moen we irdarmaNen time from your cede to area an elaetnonie fund t la=7. be on a vAmdmntram youraceorxasoon atheMan ear yyopuurr ppyymaW d Cr ot radM Yar died ball yeui im new Ncaa Iradtgbn. at ga Cosbwat Ssmlce number on the sal If you b11ed have gaegea about ekdmnid loch collection Ord nor wag your Bahr paymams n.-Id sacimnlcft CoMMoant pnytae itc Any t cheek or other of nog Mil you msda i or that sod us for lass than 11ta Ak1115114049. elrma .that s ppaayy in full' an enables a imlbr nRongor than Yom a rtalae l nV eadr in n or ov a rue naaaadon d a ro.t se sea ald Services, atu P.O. Box 110/9. NNm DE we of our In Cs Aplta rpaAbng Baia ParyYarra (chg.. N k It dekerm tha is no lawn veld dispute or N any such check is received at any, -iaddras, to W tt MV 9000 you %ft aarei.e b soceptata Ste lpaldyrgigot ly any ;W' nr k loo w you r usHnetorngitAlloaarpsymemetlWyou NIWd Wror seat m the rapkhr aynumis address skmm m qlp Amount Raaeual NelfsK rr ypm aaam cos an a 4e. Awill be bNid@&MysrorhmoKWI sbgm.b.Mhotrror yw eseyour •The eooounl. aM you alms to .v it ashen bard. lbW I m is non. o nm a ktalla, upkyyoeror bob= You orb not have to drag eon riot our d0hts to ImvO&Urie , „ ay u td[ your cgM to mlake eaedorna a tI a a noon r dead by you m us. YrM comma rJnnd raw ym1 as yore pay your autahRd bgence in Full You atom. If Mu I of owanr. we a problem with Doti rows.., vice o • rive w. wuaan nq w ins starmnelnr, lataramrg Iaaeaa man vdb a dndp, am you have tried in good rake may pay, and the Idea and marin and to dwmiae Met hth to comet van peacoat with des mpdmnt, An ra lore to wW is wraprolrap APR we described M your Crdmamhr pytlerw"lamcnati dueanthe goods oraenfic.,y rothmslha emmat as amended n is a minimum fman merge in any pmkedon Only when me purdare Orgy vie man Mu $Sg and the gcyc le in e/rielt you owe aarrtyry le fknace Nryos, and a purchase vats made is yyopuer Iama shut or within 100 mates of your Iacllon limanr dvW for each m Vamfr. cork, adruha, mrlhg addrns. Tlrse O InlbadObS do let WPy If we own or apeate had inesecgOlt, in me nmOUnts $MO M yon arda amber lie merelmd, or it wt mailed you On adve, mem tar the property axed, as amended. or orvfcse. or apPTies, we m d of the dry prl?bAc fiance as. To debrmim an avenge day baferft we a and dFAdt by tht nunhbar 01 ilia 64ya; In the KI Iu?nd?tlpyprltsdalc isoe?aa61"n rnu py stn number at days in slate applie M beFe d all chi frve ants hageEra. Ea IoW will 8* errs charges for kla bit?Vy ??rytle, esegl far to rourift To get yar!0W priodlc farm rw balance Our by Wan a maNalCdfyf padde rah(s) applies, aw addi ft carts ugetlar~T TOO law wren p?ni ebel?pa for Me being cycle, except for minor tail loyal: Vk ImeNb pododie hence changes ter Menu OVO tram the data it Is eddad to Ili ptlyn" in fuill is raaelad Oe your accoun. alga padedb Mora chmgK Oh rlavr perWtas cycle 11 ore fCelre Room g?mrd of your Now msetmeem byMe dw andoma your pymam Font of your Now Baimms, an your pennon and limb your gymald ven duo Thane is no Oi to we saFh adwnas, Chad transactions, Iblut, lerliea About Your Ea: If you Oft your bil Of met lnimm Rom about a immaction anlYraWr? Willing an a siown Am A P.O. Box tblg9 IM U IOU es pesatle. Wt MM her frr6 ayt how we sett yon ft feat bath. whlah the grid You an Whom es, but ding so will not n your bfbr, give its the following irdomteon. Find mentor ft W error a0a you can. winif you believe 1 awre IMamadm describe the Rare you sat gay any amoum IN aOesgorl whlle we are am dl Obligated 10 Par lie gams of year bill W. What we eretigsb your huastiai, we NWONA or tale Ulan to aged go amount note aum9rlaed an to our your weak and be wtntta 13 of 13 Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CHASE BANK USA, N.A. VS. Plaintiff KELLY MAXWELL A/K/A KELLY DICE Defendant _., m a F; CD CD -c o C- -'= o COURT OF COMMON PLEAAF :. CUMBERLAND COUNTY NO.: 10-2695 CIVIL TERM Civil Action PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT TO THE PROTHONOTARY: Kindly withdraw Plaintiff s Motion for Summary Judgment. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Prebt Collection BY: J. V#allaro, Esquire Dated: April 8, 2011 Our File No.: 253792 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff CHASE BANK USA, N.A. Plaintiff, VS. KELLY MAXWELL A/K/A KELLY DICE Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 10-2695 CIVIL TERM PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys for Pl ' tiff A Law Firm Engaged i Dyt Collection By: Dated: April 8, 2011 David J. Apothaker, Esquire ?1111?111111111111 t7i v ? r-? v