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Home My WebLink About10-4108Stock & Grimes, LLP Attorney for Plaintiff By: Francis X. Grimes, Esquire I.D.# 62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 PALISADES COLLECTION, LLC COURT OF COMMON PLEAS c/o Stock & Grimes, LLP CUMBERLAND COUNTYn ra 804 West Avenue CIVIL.ACTION - LA o Jenkintown, PA 19046 -? c_ turf - i-n VS. DIANA L. SUMMERS . ;- 5446 Oxford Drive `' ' Mechanicsburg, PA 17055-4452 C - CIVIL ACTION.COMPLAINT 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 TIES COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER, CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO THE TELEPHONE OR THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 G $qA. 00 p n Kr l e,'t aaOa5 e a,d 3 QSq fi STOCK & GRIMES, LLP BY: Francis X. Grimes, Esquire I.D.#62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 PALISADES COLLECTION, LLC c/o Stock & Grimes, LLP 804 West Avenue Jenkintown, PA 19046 Plaintiff VS. DIANA L. SUMMERS 5446 Oxford Drive Mechanicsburg, PA 17055-4452 Defendant(s) Attorney for Plaintiff : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : CIVIL ACTION-LAW NO. CIVIL ACTION COMPLAINT COUNT I 1. Plaintiff, Palisades Collection, LLC, is a corporation which has retained the services of Stock & Grimes, LLP located at 804 West Avenue, Jenkintown, PA 19046. 2. The Defendant, Diana L. Summers, is an adult individual residing at the address contained in the above caption. 3. On sundry and various occasions, Defendant(s), pursuant to an extension of credit to Defendant(s) under account number (#5401-6830-1442-9192 ("account")), used the extension of credit for purchases and/or other forms of credit. A true and correct copy of the Cardmember Agreement is attached as Exhibit "A". 4. The extension of credit, as designated above, to Defendant(s) was made in reliance upon Defendant(s) representation for repayment of the outstanding balance on the account. 5. The present outstanding balance which is due on the account is $8,061.22 and, although repeated requests and demands have been made upon the Defendant(s) to satisfy same, the Defendant(s) is/are in breach of the agreement to repay the account balance, and still refuse to pay same. 6. Plaintiff believes, and therefore avers, that Defendant(s) last payment was processed on or about September 24, 2006. Copies of several monthly statements are attached as Exhibit "B". 7. Plaintiff has sustained damages in the form of attorney's fees and may request reimbursement of same pursuant to any written Agreement. 8. Plaintiff , through its counsel's investigation has determined that the Defendant(s) is not in the military service. 9. THIS COMMUNICATION OF PLAINTIFF'S COUNSEL IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff, Palisades Collection, LLC, demands Judgment against the Defendant(s), Diana L. Summers, in the sum amount of $8,061.22, plus reasonable attorney's fees, pre- judgment interest and costs. COUNT II 11. Defendant(s), by his/her use of the extension of credit, received the benefit of the extension of credit given on the above referenced account and has failed to make payment for the receipt of said benefit. 12. As a direct result of the receipt of the benefit of the extension of credit given on the above referenced account, Defendant(s) have been unjustly enriched in the amount of $8,061.22, to Plaintiff's detriment. WHEREFORE, Plaintiff, Palisades Collection, LLC, demands Judgment against the Defendant(s), Diana L. Summers, in the sum amount of $8,061.22, plus reasonable attorney's fees, pre- judgment interest and costs. DATE: (L I i 0 FRANCIS X. GRIMES, ESQUIRE Attorney for Plaintiff Client No. '19317110 VERIFICATION I, , hereby verify that: ( /, d//? , T?,- - , - 1. I am employed by Palisades Collection, LLC, in the position of Antrni?0,LAOecid st , with the Plaintiff in the within action and current owner of the Defendant's obligation and am authorized to make this Verification on behalf of Plaintiff. 2. I reviewed the following: [X] (a) Computerized documents; [ ] (b) Hard copy documents; [X](c) Other (specify) Business System of Records relating to Defendant's FIRST USA account, Account No.:'5401683014429192. The foregoing Account was opened on 11/2/2005 in the name(s) of DIANA SUMMERS, Defendant(s). 3. Based upon my review of the foregoing, there is due and payable the principal sum of $8,061.22 as of 5/31/2007, exclusive of interest, late fees, collection fees and any other additional fees permitted under the terms of the agreement with the Defendant since the above date. 4. Based upon my review of the foregoing documents, there are no payments that have not been credited and the Defendant has not asserted any counterclaims or setoffs. 5. The hard copy of the documents are not in Plaintiff's possession at this time and/or can not be located at this time. 6. The facts set forth in this Verification are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties for making an unswom falsification to authorities in violation of 18 Pa.C.S. 1804. Date: 9 1/:5) zdvo? EXHIBIT "A" * 41 " ? ~f 5 xe 1 Jd',.. ? 4?fyW t r t y ? ;qs ME..A ?-a MOB S' .,V5?r A 5 o S' EsAOr?a53 6tl 9 72 3 L nIa g $ O O? 01 lI11 Is F G. m € ?I ? ?k g a s g J 3 b p .l fi.fi5fi. g bfig-1-12 ??j Lill 31 a 79 It 2 d3 c°.. O} IMz??3 It V"Nt?SO?'c-3?3???v yFE z fi ? b "4 o $ g ? ? e?C ^' ??v .1 5 8 ,$ .^ t? y p ?g w ,' k' S ' $ i 8 e ,7 g till ?s q 1 11 °gg - oS 3 0 - MM . 9 _-9 8 ES 99 g 99p y g 0 E '4..5 '.§R rqh tli E 6 .. kZ^5.???@@"5 a§P E1 Ft 55 S ?t 000 p ;44 c'? rj Gam! j' w L" tl 5 I 1! a???•gSg?gg yq 9y W.?69 ?.X '8 a..e A g q -4 t? ? .g F f y' ".. E E '? '3 B E ?. a. ,y? p xx a `tyy ? ? 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E ? •?;, '??'E.g EXHIBIT "B" Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $1,762.53 12/26/05 $0.00 $35.00 Make your check payable Print to Chess Card Services, Amount Enclosed $ New address or e-mail? an back. 540168301442919200003500001762530000009 19422 SFX Z 33505C I11I I I l l I I I I I I I I I I I I11I I I I I I I II I I II I111I I I I I II II I II I I II I I I I I I I DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 209 30 144 29 19 2 2lia Statement Date: 11/02/05 -12/01/05 CUSTOMER SERVICE Payment Due Date: 12/26/05 In U.S. 1-800.224-2984 a Minimum Payment Due: $35.00 Espanol 1-888446-3308 TDD 1-800-955-8060 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 1442 9192 ACCOUNT INQUIRIES Previous Balance $0.00 Total Credit Line $8500 Box P.O. 15298 Purchases, Cash, Debits +$1,745.61 Available Credit $8 737 W il n, DE 19850 Wilmington, DE -5298 Finance Charges +$16.92 Cash Access Line $1,700 PAYMENT ADDRESS New Balance $1,762.53 Available for Cash $1,700 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditcards BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $0,00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $2.03 Remaining balance $2.03 Total earned this year $2.03 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 1.1/14 23180011622666666661086 BALANCE TRANSFER $564.16 11/14 23180011622666666661086 TRANSACTION FINANCE CHARGE 16,92 11/13 05444005318290790471474 BJ WHOLESALE #0025 WOX HARRISBURG PA 38.97 11/12 55541865317004115236750 LIZ CLAIBORNE OUTLET# HERSHET PA 28,83 11112 55483305317162752845601 CASUAL CORNER GRP #879 HERSHEY PA 117,37 11/12 05444005318291009735766 OSHKOSH #0072 HERSHEY PA 27,80 11/13 55548075318327226913415 LOWE'S #2223 MECHANICSBURG PA 271,74 11/14 25411175319319037094703 OLD NAVY #5348 CAMP HILL PA 38.99 11/14 05410195319926350078070 PAYLESSSHOES0000039214 CAMP HILL PA 14.99 11/14 85418705319980000985184 BLEACHER BUMS CAMP HILL PA 25.00 11/15 55446415319207233900094 SALON TRE'JON CAMP HILL PA 34,08 11121 55457375326172999999990 SCHOLASTIC BOOK CLUB JEFFERSON CIT MO 7.90 11/21 55457375326172999999990 SCHOLASTIC BOOK CLUB JEFFERSON CIT MO 6,90 11/23 55432865327000497895890 GOO'GOOSEBERRY PATCH 800-854$673 OH 52.85 11/23 05444005328300080013460 BJ WHOLESALE #0025 WOX HARRISBURG PA 95.38 11/25 55457375329172999999997 SCHOLASTIC BOOK CLUB JEFFERSON CIT MO 14.90 11/26 55548075331327293447225 LOWE'S #2223 MECHANICSBURG PA 151.87 11/26 55548075331327293447233 LOWE'S #2223 MECHANICSBURG PA 204.54 11/27 55446415331200599400118 COFFEE TEA & KRUMPETS NEW CUMBERLAN PA 30.23 11/29 55541865334072011809706 GIANT FOOD STORES #SJ6 MECHANICSBURG PA 19.11 This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 05112101 Page 1 of 2 06218 MA MA 19422 33510000030001942201 Address Change Request Please provide information below only if the address information on front is incorrect. 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In your Mbr, 804 ft the fbbft InkrrWlon. • Your namro end aaoad marbu • The doer MOW of the suspected error •Deacbs the ermr and "kin. I you ore, why you bdba them Is an error. Byou red son Information, describe the none you was unsure about. You do not bur to Cry my unut in yyewmbn while won am lnveatlmM9. but you an dD ohlpsbd to pay the per of you bill tld an not In question. Wh1 we YAwr(pre ycur. quedon, we comet report you as ddgnd u 1110 KOM to cotlsd Vw anus you quedw. Id?ncugahprs adhoriad a to Pay you salt cud bill eu?rtntlpy from you To ingt or pgnnmC y?arbWracWwp the a y amoo rya bunk b wrong. number drown on Ob dabmed) rend( WpydAGrrwon w d IWtlxe daysrbebn the artantlc pymal to ahsdabd b anc 8"1 isle for Ceedl Card Padwmx N you ban a proENmwith the yudy of pods or W*u# tom WdmWwkhaadlerd p?nxexddnp prdwes molewith edw*.ad you lowl MW in r UM to mud the M with Me ffwftK onot howe to pylw wnInlpui ould a on tlndmMaaeMna You hseMb pram? sodywhes the purdsoo prbe its ore Bur S50 ad lu bupureau wa made Inyyoouur Ihrne ebb or wGrIn 10Dmlesotyournalbp adna Thee bmltlbn dondppy Nvsn. r operate the nwrclant.n Iwo raid you the aMMamentfrthe property rsoMms. MA071005 Statement Date: 11/02/05 - 12/01/05 Account Number: 5401 6830 1442 9192 Page 2 of 2 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 29 days in cycle APR To Periodic Rate Fee CHARGES Purchases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 Cash advances V .05957% 21.74% $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $350.16 $0.00 $16.92 $16.92 Total finance charges $16.92 Effective Annual Percentage Rate (APR): 35.98% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Send sensational season's greetings with unforgettable gifts from 1-800-FLOWERS.COM(R)I Get 15% off your purchase of fresh flowers, gourmet gift baskets, gorgeous wreaths, centerpieces and more when you use promotion code BANK43. `For details please visit WWW.1800FLOWERS.COM/DISCLAIMER. As a valued cardmember, you are eligible to receive high- quality merchandise rat available to the general public from top brands such as Lenox, Tonka, Disney and morel Just go to www.valuecenter.com and enter in 155143 where it asks for your certificate number. Act Now, quantities are limited. This Statement Is a Facsimile - Not an original X 0000001 Fl833335 C 3 000 N Z 01 0&12ro1 Page 2 012 06218 MAMA 19422 33510000030001942202 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $2,409.87 01/26/06 $0.00 $48.00 Amount Enclosed Make your check payable to Chase Card Services. Tax time is almost here. Make $ New address or e-mail? Print on back. your payment using your credit re. t-or cetans visit officia payments.com/Chase.jsp 540168301442919200004800002409875115539 24876 BEX Z 106 C I I11I I11111111111111111111111111111111111111111111111111111111 DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L60 2131: 209 30 L44 29 L9 2 211a Statement Date: 12/02/05-01/01/06 CUSTOMER SERVICE Payment Due Date: 01/26/06 In U.S. 1-800-224-2984 e Minimum Payment Due: $48.00 Espaflol 1-888.446-3308 TDD 1-800-955-8060 Outside U.S. call collect 1-302594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 ACCOUNT INQUIRIES 15298 Previous Balance $1,762.53 Total Credit Line $8,500 P.O. Box , DE 19850-5298 Payment Credits 5239.71 Available Credit $6,090 Wilmingtonn, DE Purchases, Cash, Debits +$887.05 Cash Access Line $1,700 PAYMENT ADDRESS New Balance $2,409.87 Available for Cash $1,700 P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: www.chase.com/creditcards BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $2,03 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $1.98 Rewards earned at 0.5$ on purchases $3.65 Remaining balance $7.66 Total earned this year $5.63 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Credit Amount Debit 12/02 55429505336820160869823 PAYPAL'KERRYRAYL 402 935 7733 CA 22.14 12/02 55429505336820821033918 PAYPAL'SAVCORPORAT 402 935 7733 KY 34.45 12/02 55429505336820459465770 PAYPAL'SILVERSWAN 402 935 7733 CA 50.74 12/03 55432865337000379595830 PLO-PLOW AND HEARTH 800-866-6072 VA 30.84 12/07 55429505341820868275474 PAYPAL'SILVERSWAN 402 935 7733 CA 63.88 12/08 05444005343314419698678 BJ WHOLESALE #0025 WOX HARRISBURG PA 67.30 12/08 05444005343314419698751 BJ WHOLESALE #0025 WOX HARRISBURG PA 22.99 12/08 55446415343207233300022 SALON TRE'JON CAMP HILL PA 21,20 12/08 55446415343207233300071 SALON THE-JON CAMP HILL PA 37.00 12/10 25411175345346102990208 OLD NAVY #5348 CAMP HILL PA 43.00 12/10 55457025345167603010026 THE DISNEY STORE 6603 CAMP HILL PA 35.51 12/14 05444005349320726231958 BJ WHOLESALE #0025 WOX HARRISBURG PA 87.90 12/15 05410195349624110585666 PETSMART 00005835 MECHANICSBURG PA 46.61 12116 55446415350206699100074 DILLSBURG FAMILY HLTH DILLSBURG PA 65.00 12/17 85456675352307301660074 WILLOW MILL VET HOSPIT MECHANICSBURG PA 62.70 12/16 55420365353670386605378 HERITAGE PEDIATRICS CAMP HILL PA 20.00 12/19 05410195354138000061565 RED LOBSTER US00001968 MECHANICSBURG PA 101.23 12/21 55499675355286540902324 VONAGE DIGITAL VOI HOLMDEL NJ 70.83 12/21 55432865355000160068259 YAH'YAHOO SM BUS/MAIL 408-349-5151 CA 10.00 12/22 55499675356286540009319 VONAGE DIGITAL VOI HOLMDEL NJ 16,72 12123 55499675357286640004350 VONAGE DIGITAL VOI HOLMDEL NJ 16.72 12/26 13613602724677327700006 PAYMENT - THANK YOU 200.00 This Statement Is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 08101101 Page 1 of 2 06218 MAMA 24878 00110000030002487801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: --------------------_ City: - ------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: - i? i khrmalim AkdYar Amord LOW a SWN Can&: Plow report your bed m stabn card haeaWwly by camp the CustomerServhanumberfound nthM trod)youratlermad. AMlonndwafsarahde to Mist you. You one ruck an Advisor by pan" 0after you enter your wood number Groin at Paimoic For Paym a by rep lar US. neat send at Ind Your nini non cl amabe nodapba, d lo b aoa w?r?7wm-emanmra wed br npubr U.S cep m an pad brx dulplWed toe your pynwl mui' be dalyed for up to 5 dbl. Pawnor made war gib vale a bbpdto any Dnooaadnp BnaM dtrJmedforttm Peymrb AaMud lefrraaa NowW b Cede l e W m W npori Wmnibe about your second to credit burro. Ism pwomels, nbeed pWmmb a olher dehub on your enrol rrrraa?Y be Mlocbd h your melt report If you think we con npceled kuanm hdomabnbacndl huMar, you mywrbb alt Crdmrrter& addreatrail n your bake emnent MKIM Cellwlod flwkONW. We roeerw the iV M to ebdmnkay ailed your appibis PMnd dada, d flee pepadmed aed my repraadmat, from t bank account n whkh the dwlnwas drawn Our roceq dyer pynwl died Yyour aMabarlontor a In odbd the amount alt dad oft. or t needed by a drat draw gaYrd the the moud.Cmdawlbe roI ebdmkeybyser&V to chedamordabnnppwkh idrerk muting ad a=rA mntabymbok Your bmkamoud muy b lolled a lily as adn dwws ram yWf Pbnwd The agimYdas&YAl m dMrgwd and an keaq wt l be rod In our made CsastYaal hlhnn r: star Salldadorothrk11M of ymdthdyou and an for Nos tou t le needed •pdd US.. COddm a MkYr nottm or SW yyoouu of aneles tender In hull adishodo n d l marred, nut be led to Cud Service P.O. ton 15040, Wlmhpba, OE I We ounces, ON our di; madh9 ice pymW ((e.g., 11 Is ddarriad tken b m wM dbprk a t ay arch dndc Y naked d ay dbertldraa, we May the deck atl youwth dl ow ay nwWnkp balm). we Me/ to amptanysud PewrodbfrwrMrp kmyeu, notashinp I tor ???. 9 k AN deer prymnlo that you rob shou be east to the approprbb pymd Amend RMnawal NoCaM: t yaw mount bar an annual fee, it will be bbd each yera b mcdhy Ineb r%whdar a rot yrw w your aoaat and you agree b py It when .W The axlNU b I. nonydoWbY unlw yen not4 n t you wish b cba your -1=1-7111 pt?yy--milywrWOdwdnvehm msndlmltlrryed andeltbe 'd e does not dadIipha to your r ebalm aoadlgird fiA Your to M your right b b mad trawdom an your scant. t your account Is dosed bbyy you or us, we will mime to daps t mnwl fen udl you py your oumndkp babnos In ful and lan inide your acoumt nYllashp. tatladm d Fkmm Uwg=Wa Wmkb pwWi:flmnn cmMm udnpt applnde periodic rata shown on this Waned, eepua* for each fade e.p., alma traabrk medenme dada and mfr advance dada tried omodon?. Wndaeea balance travelers. aN adwma, pwratord balsa a me" .free). Tina calculation nrrynrrtgn dMrtnbp inewilflt ems day pModb rWn. N am Ina N• mat b a winclie m on ft dWnwd, that m my vary, and do kris aid mrW Used to dWmine that m and b oorpordkp APR are dncrbad by? nwr6er Apmmm, a annded. Than Is a nbtnoun been dvpe In a1y?61gp l?which n you caw any parladto barn dnp k and a lmeadn thence ch 0 nor am Herder, ash atlnawe, or deck bMmaullm, In the anouW ahead in your cvdrmrbr Apmrrut a Mandad =a d*bah Mforsun drydt cuor mgde,xM the bepl iNbalme feature, odd any new tnimdbra a other dehlk (ldudkq am nnpid beau Tloroadms nMadde salt trar dbn ?, the Mpin?dpmd tln am batradldndM. they are Posted to your scooted, as Wr dad of our dolor (waptthat dhackMnw loos are added a dtdean deposited by the pyae as Merdab of ourchoka). Fees are added ether on the dab of a nMed tramp ben, IM dab thry an posted to yov anent, or t M dry of t b161p q+de. ThbgMs m tlidrA daty tabnm. A aeAt Wbnm birmse l a s balance of mm. B ar d&W perlodC real applla to any hrirro, we nutipy the day bdaoe byt hiN pdodk:rob to PtYpn QQleMdb lMm forth dry. WeMUs add taN rioikkma"W cloy babmtotpt mkpbe Us fat oe next dol. we A uM?w data prbdk r* that apptas?t swap dd*bab lx mu6he an, alt bkbp cycle b cdo"t d perbdichimdrrpeeaddryJ NthbalWant shown a peavkus Cycle awdpe ?6abmforpuNwas, we dotacmeth tar ouch dydtpalmgdeto9dtdaybW n dpomhaaafatpwbo bringgcb. Howwwn the ddy bMMa IN piaNms bile nee pMmhaa Is CamNded In be am to ouch dry d the pewbua Mlnp qde 1 a perfode bane dupe ear airb y btbd on po,dwm on your pa *%Mrddpin 111owrydt ride K4wf pyrwddl ft Badman ymrpaymdwa due. your bed wldl fhm deep in a bile Won, arms a day Periodic m(a) r , we add al d t day Perbdl IYwlm for d duns. To ddem*w in Mean. ?wds Add d* Wances Mck ). try ou mutl t amp Fly t Meaadit te?m bi Mee billing the appbabb a_y peMdb rr, and in ma y wear atmmum r ac armed a dip In the ppende fiMp gde(a), and than add all alt result bpetlar5 t lobed wR aboNWt o ode Snurechagesbrthip qde, la minor wrbMsda to mwdlnryp? To pd your bead pelodc Serra dwpe tar aacapitp cycle urea a monlhy Peddle rdr(a) apple, miloN t %d balance IN gist lahre by on apPI101YA nuAhy gqnlouIn m and add the rub our. Tie total we egadthe pecodlelance dnpeebr t lip *K wnPlfaMinor MMM duet ronaip. area Paled Id load 2a "' we sow periddlfban darpee n atrenagon, be, or Mum chhyawsto from the A, it Is added b your Ay limn unit pc nM h full Is pudaea bIW arp daft bid qde 1 tar name hM PePryrnwd dYnr Now adwke on you aced amment by Me dab sdYrewyea Pymd Is do rod also pymedayour Nrw Bllam oe you rpwlaue smmurd by tee &b ad em Year prynmtwas due Tmn wma?. Period for' I t m%M rah advances, deck bemaebm, a ovedrolt afam Parisi ON Call" PWABael bMae: You wl not Incur periodic ism e dwpanaqu=pKwdloi lbWselyoupoyttlimn InbetbytsPeCtlod expkalbndad. To awl) fi q dwpbnnew PNCMMwhenyourfbwBWea IndWn a qudMad Promutcal bsMnm pry yyowur full New BWm mbar you bM Pro noft d bWma byt dsle rod tnne yourpywed b dn. However, lyour shah the a IdYflarm PWnM b dn,m mad ream d badthd ntktwm p pat by tdadmWflma odWonymrsmmmtearnlyownybalanceanWbdquWNnp peatMnd bWans StLm Rwn Ilm1ARY In Cur d ern or OnelonAbad Yaw M: lyou thlokyourbl bweonp, a Nyou mod mroInbrMIOndpdabsom nnyourbN,verbf:edmmmr SuftnaaWam sheet d P.O. Bon ISM Yyl rips. OE 198566298 a room an possM. We mud has, hanyou m mrtha BO drys atervn adyou t hst bet nwhld Me sera a problem apparel. Ym an bMiwne us, bed deep swll nil palm you riplTh. In your Minn. pM at to" hlomdloll. • 169 mme and aocoue anther • The doer torment alt susplded Nra •Oeeobt emrad"Aln,lyoucK wyyoo belevethen ban ens. tyouneed mae lake. Ia4 cbecrlbethe bayou n umm Wont. YOU do nil tan In PC/ ay alma) Is Winn Whb we n Inwell ft but your sad ablprbd to ply t Pal of your b9 tl an nosh 9adln. Whb w krvMdpeb your question, we cannot M you a debwed a keb adn to algid the amount you ca"Do 1. tdYywaaduutlnropve adhd4ed a b pay your credit ccad bill born Pew Pan wmg ToWpMe pgmd,ywrbMeraW)WUapinpipNrano Uss klmgpne number shown n m stilled) must rd a d and thss bWma dys min on aubmMk plow am.ladedriedb oaac SPWI Rub Inc Nell Card PHMmar tyou havea probtrm wAh i gAft ol9oodsm smvkntdyuu Pad aced wkha credit ad (ackbp purdmes nede with a deck). and you have tried In good IoM to MW theodPsrobbmwth the arched, you may not tee to t?Pnle npdp wan coon &a * ad the ppulergqmaaeekwa rode I your ham ? or wM1109 mindyne nalip adtlma Ths IMMkmdo ndappy l" am acppm t mendaril=lure nwbdyou the edwdae"It Us propertyal"'w' MA071006 Statement Date: 12/02105 - 01101/06 Account Number: 5401 6830 1442 9192 Page 2 of 2 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR Previous Cycle Current Cycle To Periodic Rate Fee CHARGES Purchases .00000% 0.00% $528.71 $1,709.23 $0.00 $0.00 $0.00 Cash advances V .06025% 21.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $0.00 $564.16 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS As a valued cardmember, you are eligible to receive high- quality merchandise not available to the general public from top brands such as Lenox, Tonka, Disney and morel Just go to www.valuecenter.com and enter in 156224 where it asks for your certificate number. Act Now, quantities are limited. Pay your taxes the fast and easy way. Just use your card to pay for federal and state personal income taxes from 3/1/06 through 4/30/06. Visit www.officialpayments.com/chase or call 1-800-2PAY-TAX for details. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N 2 01 08101/01 Page 2 of 2 08218 MAMA 24876 00110000030002487802 Statement for account number: 5401 6330 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $4,742.16 02/21/06 $0.00 $94.00 e Amount Enclosed Make your check payable to Chase Card Services. Enroll i Protector tonal $ New address ore-mail? Print on back. I understand the endosQd offer and may cancel any time. rnI 540168301442919200009400004742165150229 25659 BEX Z 03206 C l l l l l l l l l l l l l l (l 1 1 1 1111111 l l l l l l l l ll 1 1 lil 1 1 1 ll 1111111 l ll 1 1 1 1 1 1 DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 i60 281: 20930 ir44 29 i9 2 2118 Statement Date: 01/02/06-02101/06 CUSTOMERSERVICE Payment Due Date: 02/21/06 In U.S. 1-800-224-2984 e Minimum Payment Due: $94.00 Espanol 1-888-446-3308 TDD 1-800-955.8060 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 ACCOUNT INQUIRIES Previous Balance $2,409.87 Total Credit Line $8,500 P.O. Box 15298 DE 19850-5298 Wilmington Pa ment, Credits Y $71.99 Available Credit $3 757 , Purchases, Cash, Debits +$2,404.28 Cash Access Line $1,700 PAYMENT ADDRESS New Balance $4,742.16 Available for Cash $1,700 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $7.66 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $4.74 Rewards earned at 1 % on purchases $20.95 Redeemed this period $20.00 Remaining balance $13.35 Total earned this year $31.32 Redemptions will be sent by separate check payable to BJ's Clubs in Increments of $20 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 01102 55432866002000092270416 MK *PERSONAL WEB PAGE 972-272-9333 TX 50.00 01/05 05444006006342948998018 BJ WHOLESALE #0025 WOX HARRISBURG PA 59.34 01105 05444006006343471975183 BJS FUEL #9025 WOX HARRISBURG PA 25.00 01/06 05416016006140004984945 WAL-MART#1886 SE2 MECHANICSBUR PA 151.19 01/06 55483826006360902219062 WM SUPERCENTER SE2 MECHANICSBURG PA 57.95 01/06 05410196007138000075291 RED LOBSTER US00001958 MECHANICSBURG PA 27.32 01/07 55432866007000546616748 OVERSTOCK.COM 800-843-2446 UT 190.93 01109 85430526010536228914576 M2C GLOBAL, INC TEL9722414251 TX 170.95 01/11 55446416011206699100073 DILLSBURG FAMILY HLTH DILLSBURG PA 65.00 01/13 85456676013307301660040 WILLOW MILL VET HOSPIT MECHANICSBURG PA 37.98 01/17 55432866017000413506145 PDI'PLYMOUTH DIRECT 800-340$418 PA 29.62 01/17 55541866018072012641653 GIANT FOOD STORES #S1A MECHANICSBURG PA 60.79 01/17 05444006018353112810067 BJ WHOLESALE #0025 WOX HARRISBURG PA 48.83 01/18 05416016018040005335848 THE HEALTHY GROCER SRF CAMP HILL PA 31.55 01118 55499676018286540507799 VONAGE DIGITAL VOI HOLMDEL NJ 41.19 01/17 05444006018353597639239 BJS FUEL #9025 WOX HARRISBURG PA 30.00 01/17 05444006018353597639312 BJS FUEL #9025 WOX HARRISBURG PA 23.25 01/18 65431786019001354674859 USPS 4134870055 MECHANICSBURG PA 14.44 01119 55446416019200599400115 COFFEE TEA 8 KRUMPETS NEW CUMBERLAN PA 31.88 01/20 55432866020000707684884 VERIZON 800-3549354 PA 153.99 01/20 55547506021253179010095 CHANGES SALON & DAY SP MECHANICSBURG PA 68.00 01/22 85416236023070217563928 INTERNET SPEEDWAY 877-773-3305 AZ 9.95 01/24 55431788025001354463206 USPS 4134870091 CAMP HILL PA 11.73 01124 05444006025359235047041 BOB EVANS REST #0213 NEW CUMBERLAN PA 16.25 01/25 55446416025286099900409 BOBBY RAHAL TOYOTA-LEX MECHANICSBURG PA 42.35 01/24 55499676025749004180255 RITE AID STORE 0418 NEW CUMBERLAN PA 18.94 01/26 10270282725491013500007 PAYMENT - THANK YOU 65.00 01/25 75141116026003661912808 Cingular Wireless, LLC 800-8887600 WA 64.14 01/26 05444006027361186741380 BJS FUEL #9025 WOX HARRISBURG PA 30.00 01/26 85502786027509407010054 DAISY R HAWKINS MECHANICSBURG PA 40.00 01/27 55429506027846941770057 EBAYS HAERCOM LA VISTA NE 47.33 01/27 55436876027730272473093 PHMS FMC CAMP HILL CAMP HILL PA 153.20 This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 0130 N Z 01 06102/01 Page 1 of 2 06218 MA MA 25659 03210000030002565901 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: ----------- State: -- Zip: ----- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: --- L Accond"youunaaI leprM?pobdeCMR Taken: Vh my sport ImomsWn abodyouruwAdtD nrdl known. CaidewnhorSakle addmaIrW on wbiag darmrL is IMMYjOUroy WIN1ormMee fieeenCoNsw BeppprlrNy: bwrmrwaNo dphbebe?cokdyoureblAe pymMChedm, steel of yprreourtwpwpaymoandmdixsdbyarauthmymeem,homrheenhmrOrrtD so BrmawhopmoMdhdourdhhedosure Ow reNpt toNstadmntey, th 1 rmodedM a tlM Ban awmoth bad axauot (Nosh wN ho mbemdo6edwimly y reset be dwell serval abnp wM h drdt rrtlq ad smM nuns s b your 6uk Your 6rlr armunl cry M wm r cry ¦tls ace dy n rerM your Wayhnm. Tina odpbr tiny d h drbyd rd N hoppe rp ho enedtlrsd N ourremda OeIYrW Pyreab:MAerDrynedd""oftrbrmd pymffid* yww and mbrleu Mrhlul Inewedethat ardd*Pad'n fur or comew a sbdlr sMon, or you werow sneer in full etlkscUmeof ayruW rnou t most be sots to Cod Smokes, P.O. ON 1604, Wilm", BE 111650- 504. An mares d an rills reprdbr Mn pyrmns (eq, b I it ddn*W them k no wild dween or lrtryry ashthesebreceMd dayodwer " wo ay accept the did and you we IN owe ay nmatnet bWrw).1114 m9' Iahra byeu nWe dau creeps 1%rmhmlds ppaprde pypnm a P= ytherebmbq N b yet M cadet I or denoying A dlohrpaymree Ndb sses. ATM Rrmarai Kelm N your amoM ha we anal foe, I we be bleed each your or nt k ipWhers, wlrtlm r notyou w ypramount, rdyeu apmo b Py l wine noniyuddb Mrayow nrly m Mat youwbps ekmyyoptwrmM wft3D dvo dNm dye m m2I yyoourdotnMswhfM IrmN tee leslurpedrddlemsameene,you paVywouMndYbpp Wp?ars h full Your paynmotdh rnmlbe"not Ad nor "to ehr yourecmM adto your to mid hrndNa on your wco N ancount w cbad by you or m, we will eMmo to chrwh CUM you MYUrawridit hbro kluawwmmo ymrrmue mmmhlp. Bowls 11 Fbmd clen"Ah Oda" prbdbeenca ,uneph MdNDrbde elm shmrMb ahbrrsrR aWrtlrlybr wdetetlun (e.µ, lessee dwbad ash adduce choseColodeanadirl, Potions, bakneebrdra,ad down, pmmolMWbases or weds edwnae). Thm mkutirs my mmbiw dNaml cem0rim wM -- r elm. rya Klein Is a Y' nurse a p riodo rdean ft oWwdK Nrl ram ?erywy rdMe mdnead mobs uedbshmmmhlr*wdbcrmpwft#AmsxriedNpv(Nednndr m w1m. The in a mbhud New thaw in by sit cycle in rAdch ym on aMrn h?msumo??h fima new bremh baYwfmsNr. main adwnm, re brmctice,h yowCrdmemberApmomrRrnadd. - monsbyh nunihxddnyu h the aDnke"biling cytNb). and then ad r din mouth bpethr,h Pohl l 1IM aqW the perod'c Name dntm for the bbFp In. cmpl for minor wdnom on to madin0. To pt your bW k Lamaemrm bra slit cydn who *0 moothy nh(e appfa mWbythermape p?erybdhbncebrsnibun yMe Wlnbhenlyped2 the mule bpe8iriMbhl wile w1IVw Drbdehrnmekryrforstn bMw cycle. uheplbr minor wblbm der b roeadit Oran Period (d hid 20 sye): Vh men Wb(k kwwd ypronAImenorn, he, ofMem deep two thodde l N added to your duly hbrra uati in Iul is ny?cpwcd co your meet Xoeem[ we do not c" priodb Nwnm worat wand?nM d byte she rdMr?your b ae and so Mynew! of ?Nerw? won on your pwaxe yremM y h ees mod tine yrr pymad vw due. Them is no Won* peeled for bWUeteohs, and a41711me. Chid hemolm. rovereed edema baddlsa, Nlee b a'lmllybp Plerbtlaatl Rmdnrndmm t b *b=K you wiN rot Ycvr ewoe then gr on ryPmd*q Ntlrr the eppera in Mot aeeboa it you ley tlr I I In wdnn whoon your kckan ay llnelledeb R,om*Mq?lotb?encepn ) in Nn 0u pmofiorl?Flrondel radon, M yorfiil New Nduse des MaMddtlor Ramoiott towels) yN odabrd lie low Impost sdue. Ibwmq IycrdsbndehwsMdambilmun =w' .we mud mcMa Md led minlmum Pyiomolbml apse on your I your New Down woo, only d 0 p Ale, for some Olybt pnmol es flinrednp ins. . periodic enure theta dcnN during the e me oboe d Wind I in not e Mb yowm=M heam. lrhd, ha ounwi shoe b6t cycle b Nit cycle. Thb b peered b r ' it i ' N a dykes' eal Pranehord will be dddedbyour accarmudrwwrkr stns sot albrMe Figbr'on?Ore. Prlr,I Mel underthe nines d yorCudnwrdrApwment, h8ionm drpa l hdtldb your cause Las r the dote of do" KM MHI'NlU1iMRY In feN M Bare r ONkdm AMUI Yew Ilk I you Nibk your NI Is won or I you rod mom aApnnotbn about a winnow on your b; she tin lmenow spice on a noses sent at P.O. Sure 1629B='W' OVA42ABremn r poaeN. es mothvhomyou on blerthn80dayeaAr wertls which h anon probben almond Yoder MPleo ue, bdddnp to wN not prune yaw robb. In yourldst line un the bbwht b ennsor. • Your norm ad account manber • The ddho dmeeod d h auepxled erne • Oeawee tloerorad mmhon Nycuer, wyyou hours stores r seer. Nyou need mom idomshon, descried h Rem you n anon dos. You do nut hmab ppryry ry send In nuance while wo=r=.:=- em kenspikt. W you nor well oblybedb pay =17%, Oft on mlo. hdth rrou phi u b pwMywmc?iedr W ado fiom your nee is or dmldt mom. you or dog the paymed an ayemoua you Wale b wmiN To sop h pyownl, you No r dl (using the GNnernber SwYW addrra or Mphos mmhr shown m tls aMnonq meet moth rot Try three bring dys bdone the aubmdk PIYmM Nschddd b occur ""Rub MctwcidNe' Nyou lo•e a problem with the only ddooda reeler that youpulNmdd wbacndlcrd(ucW Npumhummabwpir/achdnc)wd?yyou=bW"Ndoodfalh creme in. You Ape Ns piobdoo oNy,wMn tls notheemlo One '' urldo PA pnNwe Wrlm wrekmore themo e sb0 ad theihWrthoom ws nn ee h your home ebbrwit t urea of your malts adder. Them enWar do not p* E we our oropreb the newh4 or I we pled youhadarpmmMNrthe p noodyorrrbr. MA0118M hlrrmlos Abod Vo r Aemurd Lod we BMM Cars: I'low mport your led w stolen cud''RmBM y by pumnpp the customer Some number kund on the het ofMA mM. AdvNom MAwye makes to MM you. youM reach on Adviow y pmort 0 abryou ads your accoud member. b pelyourshl Pedodk sees nape bra haft tech when a sy prrkdc 9)opplm, we oddd of the duty Warlock Bete dmwas br d soma tee d*mkw r armorgdwd we add your be, o?aye Ra, blase by holes by Mel Ddb in the dayppddk sewn! then aftVuach of Mm Statement Dale: 01/02/06 - 02101/06 Account Number: 5401 6830 1442 9192 Page 2 of 2 TRANSACTIONS Trans Date 01/27 Reference Number Merchant Name or Transaction Descdption 55547506028253185010090 CHANGES SALON & DAY SP MECHANICSBURG PA Amount Credit Debit 50.00 01/28 05444006029362672350791 BJ WHOLESALE #0025 WOX HARRISBURG PA 62.28 01/28 05444006029362672350874 BJ WHOLESALE #0025 WOX HARRISBURG PA 6.99 01/28 054440011029362672350957 BJ WHOLESALE #0025 WOX HARRISBURG PA 12.99 01/29 55541868030072012388774 GIANT FOOD STORES #S1A NEW CUMBERLAN PA 12.01 01/29 55499676030749004180308 RITE AID STORE 0418 NEW CUMBERLAN PA 35 44 01127 55420386030670329961424 UGI / NCO JACKSON MI 67.95 01130 55432866030000486570401 YAH'YAHOO PIERS SERVICE 866-458-8744 CA 74.95 01129 05444006030363858764240 BJS FUEL #9025 WOX HARRISBURG PA 28,75 01/31 55541866032072012720202 GIANT FOOD #269 SJ6 CAMP HILL PA 32.06 01/31 15181636032525400240089 DOMINOS PIZZA 04767 MECHANICSBURG PA 13.77 01/30 85456676030307301660015 WILLOW MILL VET HOSPIT MECHANICSBURG PA 15400 01/30 85456676030307301660064 WILLOW MILL VIT HOSPIT MECHANICSBURG PA 45.00 01/31 55432866031000621397297 TLG'PRIVGRD59724174JAN 800-374-8273 CT 11.99 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days In cycle APR To Periodic Rate Fee CHARGES Purchases .00000% 0.00% $2,948.46 $0.00 $0.00 $0.00 Cash advances V .06025% 21.99% $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $564.16 $0.00 $0.00 $0.00 Total finance charges $000 Effective Annual Percentage Rate (APR): 0.00% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS URGENT: This month, valued cardmembers have been issued a Thank You worth up to $100 entitling you to a full year of three magazines. They've already been reserved for you. Quantities are limited, so call by 04/10/06 to claim your Thank You of up to $100 and for details. 1-800-882.6318. 3GX As a valued cardmember, you are eligible to receive high- quality merchandise not available to the general public from lop brands such as Lenox, Tonka, Disney and morel Just go to www.valuecenter.oom and enter in 157347 where it asks for your certificate number. Act Now, quantities are limited. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N 2 01 0602101 - Page 2 of 2 05218 MAMA 25659 03210000030002565902 i_ ®_ ?_ Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,353.65 03/21/06 $0.00 $167.00 Amount Enclosed New Make your cheek payable to Chase Card Services $ New address or e-mail? Print on back. 540168301442919200016700008353655169394 0% Enroll me in the optional Payment Protector Plan. I understand the enclosed offer and may cancel any time Initials -uue- 50095 BEX Z 06006 C II I I I I I I I I I I I I I I I I I I 11111111111 /111111111111 I111111111I I I I l 111 DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000160281: 209 30 144 29 19 2 2n' Statement Date: 02/02/06 - 03/01/06 CUSTOMER SERVICE Payment Due Date: 03/21/06 In U.S. 1-800-224-2984 a Minimum Payment Due: $167.00 Espahol 1-888.446-3308 TDD 1-800.955-8060 Outside U.S. call collect 1-302594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 1"2 9192 ACCOUNT INQUIRIES Previous Balance $4,742.16 Total Credit Line $8 500 Box P.O. 15298 Payment, Credits -$388.66 Available Credit , $146 W il , DE 19850-5298 Wilmingtonn, DE Purchases, Cash, Debits +$3,930.70 Cash Access Line $1,700 PAYMENT ADDRESS Finance Charges +$69.45 Available for Cash $0 P.O. Box 15153 New Balance $8,353.65 Wilmington, DE 19886-5153 VISIT US AT: www.chase.corrL/creditcards BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $13.35 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $2.96 Rewards earned at 1% an purchases $16,66 Redeemed this period $20.00 Remaining balance $14.97 Total earned this year $52.94 Redemptions will be sent by separate check payable to BJ's Clubs in increments of $20 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/31 05410196032065290252901 MELALEUCA 00000018 IDAHO FALLS ID 72.61 01/31 85431546032980001742201 HAMPDEN TOWNSHIP-SEWER MECHANICSBURG PA 124.00 01/31 85456676031307301660238 WILLOW MILL VET HOSPIT MECHANICSBURG PA 85.50 02/01 02/02 55446416034364938766767 MEDCO HEALTH NVERSAILL NORTH VERSAIL PA 59.00 02/05 55483826036360785863055 WM SUPERCENTER SE2 MECHANICSBURG PA 32.06 02104 55457376036286488900258 GALLERY CARD AND GIFT CAMPHILL PA 32.54 02/03 05410196035138000025755 RED LOBSTER US00001958 MECHANICSBURG PA 41.47 02103 55446416035364940183992 MEDCO HEALTH NVERSAILL NORTH VERSAIL PA 50.00 02/03 85416236036070223512181 IW / GOVGRANTADVISOR 800.986 2720 UT 19.99 02/04 85502786036980001698835 BROTHERS FAMILY DINING MECHANICSBURG PA 9.80 02/05 05444726037369717046428 CIRCUIT CITY SS #3720 MECHANICSBURG PA 635 02/06 85456676037307301660109 WILLOW MILL VET HOSPIT MECHANICSBURG PA 207.00 02/08 05410198039624090472524 PETSMART 00005835 MECHANICSBURG PA 24.88 02/07 85454916038020038012087 PENNA STATE BANK -CUM MECHANICSBURG PA 1,000.00 02109 85454916038020038012087 CASH ADVANCE FINANCE CHARGE 30.00 02/08 85502786040509407010040 DAISY R HAWKINS MECHANICSBURG PA 40.00 02109 05481016040140003961660 WAL-MART #1591 SE2 HARRISBURG PA 15.86 02/08 05444006040372492268896 BJS FUEL #9025 WOX HARRISBURG PA 30.00 02/09 05416016040140003959441 WAL-MART #1591 SE2 HARRISBURG PA 114.75 02/10 55432866041000517425424 VERIZON'WEB VERIZON.COM TX 45.00 02/09 55446416041364946379042 MEDCO HEALTH NVERSAILL NORTH VERSAIL PA 50.00 02/10 55541866042072017740757 GIANT FOOD STORES #SJ6 MECHANICSBURG PA 19.78 02110 55432866041000499251947 VONAGE 'PRICE+TAXES 866-243.4357 NJ 112.02 02/10 85306016041000199095554 FLOAM KIT 920.9666600 NY 97.60 02/10 85306016041000199095570 FLOAM KIT 920-9666600 NY 97.60 02/10 05444006042374288809691 BJS FUEL #9025 WOX HARRISBURG PA 30.00 02/11 75141116043003698510202 Cingular Wireless, LLC 800-8887600 WA 6216 02/10 55547506042253197010080 CHANGES SALON & DAY SP MECHANICSBURG PA 68.00 02111 05444006043374689977807 BJ WHOLESALE #0025 WOX HARRISBURG PA 44,47 This Statement Is a Facsimile - Not an original X 0000008 FIS33335 C 3 000 N Z 1)1 06103/01 Pape 1 of 2 06218 MA MA 50095 06010000030005009501 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------___ City: State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -- L Inbrmallon About Your Account Lost or Stolen Came: Pleme report your bat or stolen card immediately by caling the customer Servlm number found on the front of your statement. Ad visors am always available to assist you. You an much an Advisor by pressing 0 after you enter your aooue number. at ourrpost officer xdmip?iiata I forrpymeMsman, Isoml at na by it must comply wkh the Inatr,d on cob Sharer in the 'awra a to your acou t So of the next day. Ii yyoou do not your paymerd is net Sam by regular U.S. mail to f for paymemo, crediting of your payment may be debt' made ebcttwinly through our automatedtebDMna sent or our web sat will be subject to any processing times Account Immaalim Ropomled to Cndl Sureaen We may report erformtiorh abort your account to credit bump. Lan %xmb, reseed p Nt nit weor other defaults on your account may M reibclsd in your cradA report. If you haw reported Iaounte irmmntion to a credit bureau, you may wade to tic at the Cammember Servim addroee listed on your billing statement. Checks Collected Ldedmileally: We reserve the right to asdronim9y coned you diibb ?ymem cheeks, at fiat presentment end any reinstatement, from the bank aCCamt on wNcht check was drawn. Cur receipt of yyour paymeno check Is your aNhorbation for w to pled 10 amount of tat check Wedmhbaly or N needed by a draft drawn against the bank accord. Checks will be COIWed electronically by Said? the check amount along with the one* routing and account numbers to your bank. Your bank mcoud may be debded m eery a tat same day we receive your peymeM. The original dank will M uedroyad and an knap will be mnalldatned in our recd . Good l A yon payment check or other form of payram that you send u for lam than the full balance dm that is marked 'pad in full' or ocoban a similar notation, or that you othervAm tembr in full saillion of a dsgded amount, mud be sent to Card Srvees, P.O. Box 15009, Wilmington, OE i98W304 . We nserw aI. or rghts repot ding those Payments (e.g., B it is determined there Is ne wild dispute or B any such a wcdk In mclived at any other address, we m oyaccepi the check rat yyoou will rail owe any romabbp balance). balance). We may mhow to moept any such DaYmhent by relurmng t.to youthe appropra. not ing terminal AI other payments that you make shoed M tort to . .=L111 Amu] Bemuse[ Notice: If your acoourd has an annual fee, it will be billed Such your or In moehly ialalmrrs, whether or red you uee your account, and you agree to pry d when billed. The anal fee is non-refundebIn unless you notify us that you wish to dam your account wMS 30 days of the date we mail your sMemed co which the amid tae is =and at the ante tkne, you pet' your outstanding balance in full Your p d of tat anoua] fee does not dfad our rig to daeyvur account andto limit your rig inanition tmanmceone on your eecount. If you acmmt s cIme d by you or a, we will continue to throe Id at fee uei you Day your oustanding balance in full and terminate your account rolatbnahlp. Eglmtba of Finance pherpa: We calculate periodic fiance charges, usingy he applkabb periodic rates Shown co this atalrnam, apard Ckyreech terms (te.g., balrce tro Dkk1. entenea checks and ash advanc?e checks (•check haaedlon'), pumhaeeS below tnhnbn, ash advances, promotional balances or owhdratt sdwoss). Thai calculations may combine differed cdgorMS with the ante dally periodic radar. If there is a't'" rod to a Peads rate on this Statemrd, that rate my wry andff* index and marrgqin used 0 delerno that rib and its corresponding APR are described in your Cardmembr Agreement, as amended. Than is a minmum lane charge in arry noting cycle in which Yyoou owe ery periods fiance charges, and a transaction finance charge for each balance tnmhder, cash advance, or check transaction, In the amour s awed in you Cammember Agreement, a anhrded. To gel in. dadv balance for sun day of the cured billing cycle, we take the beginningp Mlaae for each feature, add arty new t9meetiaa or other debits (inclWSt face, unpai0 fiance charges and Atr cMrpee?, subtract any paymems or craft, and maim other edlua"milt Tnneactoa an added an of the transaction date, the beginning of the billing V. they are posted to you account, or a later date of our choice lexcem tW -1 W date and time your payment care due. There is no pram period for below transfers, ash advances, check Imnsections, a overdraft advances. In addition, If there Is a "QuelllyladprrPrmosNMional Flmnclnp" motion on this dolereenl, cmotiioenwill hot incur Periodic e A pay youe a f inyfull by thespppa licable l arsy mrl. To appesm in that Yd fimm the Qwlfying pucclatiromotional Emoting motion, pay yaw full New &Wim minus the toll of those Remdnkg Bdancels) by the date and tlme your payment Is due. However t your statement clnwe that a dmum payment Is due, we mual receive at ISutl that minimum ioh grab y m date and aro of viJ franc riyour state g became. rrorr. even i your New Balance Also, for mane Oualfying Promatbnd Fi eirg balmar. periods fiance dwrgw sortie during the promotional period but are not added toyour aoaur balers. Instead, they atcomulab fpm toil'np cycle to bilinp cYde.rAnc This kisg relrred balance to is an not •date paid rnd Wi idfuerleelby .' If defvrod ins= oufhMnp Prpnd'pnal n has soon as the first day Other the Expiration Do%. Further. Ayyoowuui default under the terra of your CmlmemberApremhem. the dderrecifiance charges wit be arldedtoyouraccountas soon as the data Oiddaull. BILLMO RIQNTS SUMMARY la Cam ON Erren or (interface About Your Nit: If you think your cu Is wrong, or 1 you need mom information about a transaction on your bill, write damnehmer Somm on a sepaub sheet at P.O. Box 16299 Wilmiamqttoonmn, DE i98W-5299 as soon as portable. We must hen fromyou co bier than 80 days aftarm mm you tat first NI on which tat error or problem approved. You an telephone us, but doing So will not preserve you rights. In you Inner, give es the following inkxmatin. • You name and account number • The dollar amount of the erispected errs • Describe the error and explain, it you can, why you believe taro is an anon. If you need more irfometion. describe be Aem you are union about You do not have to pay arty amount in question while we am inr?a?np, but you am Fill oblpad to pay the Daft of your bill that an not In question. a wr invert gets your gallon, we cannot report ryQ mud m delinquent or lice action to collect the amount you from question. orlchecgqhnrqrp aawum, you can stop?Ua pi aayacredit card bill rat on any amountyyoou th nk Is wrong. To clop tat paymerd ur haterrcall(udnptheCardnombr Service addrew at telephone Dumb. shown on fhb ablamem) nut mach ua at Inal three buaiass days It do in ine automatic payment in scheduled to occur. Special Rat for Clad) Gm Pnbama: IN you have apro bleu with the quality of goods or services that you Durdwed with a oadt cad (explutlkg purohun made with a dock,, oed you haw tried to good pith to coned the problem wwftNFhh tm merc ad. you may not haw to ply got romaDo% amount dot on the goods or Services. You haw this protection only when the Purchase prim was we than $W and the purchase new made inyour hone state o wihIn i W mlSu ot your mailing ddiees. Thom limitations do not apply i we own or opebla me memhmt, or If we malbd you the advertsemem for the property or Servkas. e). Fees am added ell e aorcm. or the last y. nme the wi use, the doi of the billing t ream shows e cym purl 2= is cornered to be zero *D for each deayy of the Previous billing cycle d e peddiC finance charge was areedy filled on pure am itemized on your previous stdemerd Of we reeked prymem of your New Balance on your provious statement In full bythe dab and time your payment was due. To qpd you total Periodic finance charge for a billing cycle when a daily periodic rote(s) so its. we had all of the daily periodic fiance charges for on features. To determine an =cub Mlanm, we add your dairy balancew and divide by the amber of tat days in ih cub bBMgcycb(s). If you mumpy the avenge unity balance for Such fSuSre by the applicable dW grbdc rate, as then multiply adh d these results by the number of days in the SPIN' 6ilhg cycle(.), and then add all of the results together, tat total will to spud tatprgdb finance charges for the billing cycle, except for minor vadatma due to naming. To pet your total periodic finance daryp for a billlp cycle when a moth l6w ice. ulthri bal M O• rr(I ?tpaht Did ould t re eve an together. The totaafor ll willrrequal the p applicant h= =for the billings cycle, of for miner vanatirhs due to munding. Area Period (al last 20 days): We acrw periodic finance charges on a tareacton, In, or finance charge from the date it is added to you sly balance until payment in full is received on your account . However, we do not charge periodic f]ntrom chirps on new, puncheon; billed dump a billing cycle twe mein both payment of you New Balance on your current statement by tat date and time your payment is due and also payment of you New Balance on your previous statement by AM01i801 Statement Date: 02/02/06 - 03/01/06 Account Number: 5401 68301442 9192 Page 2 of 2 TRANSACTIONS Trans Date 02/14 Reference Number Merchant Name or Transaction Description 05444006046377494004631 BJ WHOLESALE #0025 WOX HARRISBURG PA Credit Amount Debit 19.24 02/13 55434256045508159922654 TOYS R US #8315 CAMP HILL PA 19.07 02/15 55541866047072011673991 GIANT FOOD STORES #S1A NEW CUMBERLAN PA 66.85 02116 05444006048379287059713 BJ WHOLESALE #0025 WOX HARRISBURG PA 53.60 02/16 05410196047624090465452 PETSMART 00005835 MECHANICSBURG PA 25.42 02/16 05410196047624090465460 PETSMART 00005835 MECHANiCSBURG PA 16.95 02/16 55446416047207233800051 SALON TRE'JON CAMP HILL PA 37.00 02/15 85502786047509407010019 DAISY R HAWKINS MECHANICSBURG PA 40.00 02/16 05444006048379792053763 BJS FUEL #9025 WOX HARRISBURG PA 19.00 02/16 55432866048000159379023 SUNOCO SVC STATION MECHANICSBURG PA 36.00 02118 55446416050364956709433 MEDCO HEALTH NVERSAILL NORTH VERSAIL PA 10.72 02/17 85416236050070229653010 ISPEEDWAY.COM DOMAINS 877-773-3305 AZ 29.99 02/21 85181966052502386409326 PAYMENT FEE8008207496 TEL8008207496 OH 1.50 02121 56488726052206321600053 CASH SOVEREIGN BRANCH MECHANICSBURG PA 700.00 02/22 55488726052206321600053 CASH ADVANCE FINANCE CHARGE 21.00 02/21 85181966052506892450914 AMER WATR 800-820-7479 TEL8008207479 OH 50.00 02/22 LATE FEE 39.00 02/22 55432866053000542725082 VERIZON 800-354-9354 PA 77,49 02/21 85456676052307301660034 WILLOW MILL VET HOSPIT MECHANICSBURG PA 21.00 02/24 10550552726217500300005 PAYMENT - THANK YOU 100.00 02/22 85502786054509407010035 DAISY R HAWKINS MECHANICSBURG PA 18.35 02/22 85502786054509407010019 DAISY R HAWKINS MECHANICS-BURG PA 40.00 02127 55429506058846067305151 EBAYS HAI RCOM LA VISTA NE 10.78 02/28 10590592726312835100002 PAYMENT - THANK YOU 150.00 02/28 55432866059000062794603 TLG'PRIVGRD59724174FEB 800-374-8273 CT 11.99 FINANCE CHARGES Daily Periodic Rate Corresponding Category 28 days in cycle APR Purchases .00000% 0.00% Cash advances V .06094% 22.24% Balance transfer .00000% 0.00% Total finance charges Average Daily Balance Finance Charge Due Transaction FINANCE To Periodic Rate Fee CHARGES $5,677.98 $0.00 $0.00 $0.00 $1,081.16 $18.45 $51.00 $69.45 $564.16 $0.00 $0.00 $0.00 $69.45 Effective Annual Percentage Rate (APR): 22.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Final Cardmember Rewards Notice before May 10, 20061 As a valued Cardmember, you're entitled to Rewards valued up to $170.001 You must act quickly. Quantities are limited. So log on now for details and to claim your magazine Rewards valued up to $170.001 www.321mags.com/Rewards. Whether you are looking for a new home or thinking about refinancing your current one, Chase is available to help you with all of your home financing needs. Call us today at 1-866-836-8335. All loans are subject to credit and property approval. Certain restrictions and limitations may apply. Get 4 complimentary weeks of today's Wall Street Journal, the world's most trusted source of vital business news and analysis. After your 4 complimentary weeks, an additional 26 weeks (30 in all) will be made available to you for the low rate of only $63.75.1-800-460-3743, code 27JAMM. Pay your taxes the fast and easy way. Just use your card to pay for federal and state personal Income taxes from 3/1/06 through 4130/06. Visit www.otficialpayments.com/chase or call 1-800-2PAY-TAX for details. This Statement is a Facsimile - Not an original X 0000005 FIM3335 C 3 000 N Z 01 05103/17 Page 2 of 2 08218 MA MA 50095 05010000030005009502 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,235.40 104/22/06 $0.00 $164.00 a Amount Enclosed New Make your cheek payable to Chase Card Services. $ New address or e-mail? Print on back. 540168301442919200016400008235400000008 47091 B Z 09208 C DIANA 11111111111111111111111111111111111111111111111111111111111111 DIANA L L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 198865153 1:5000160281: 20930144291922111 Statement Date: 03/02106 - 04/02/06 CUSTOMER SERVICE UM Payment Due Date: Minimum Payment Due: 04/22/06 $164 00 In U.S. 1.800-224-2984 E spat l of 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66301442 9192 1-3025948200 Previous Balance $8,353.65 Total Credit Line 500 ACCOUNT INQUIRIES $8 Payment, Credits $782.05 Available Credit , $264 Box 15298 Purchases, Cash, Debits +$629.47 Cash Access Line DE 19850-5298 $17000 Wilmington, DE Finance Charges +$34,33 Available for Cash $0 PAYMENT ADDRESS New Balance $8,235.40 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. com/creditcards Payment of amount in dispute $19.99 not required. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $14,97 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $1.10 Rewards earned at 1% on purchases $2,79 Remaining balance $18,86 Total earned this year $56.83 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 03/02 55541866062072012642086 GIANT FOOD STORES #S1A NEW CUMBERLAN PA $1435 03/02 55541866062004040396419 AUTOPAY/DISH NTWK RD3 800-333-3474 CO 67.26 03/04 55547506064253063010670 R.F. FAGER COMPANY CAMP HILL PA 56,85 03/06 10650654200000027043490 PAYMENT - THANK YOU 500.00 03106 55548076066327734381966 LOWE'S#2223 MECHANICSBURG PA 30.00 03/11 05444006071400174588509 BJS FUEL #9025 WOX HARRISBURG PA 21.67 03/13 55432866072000203170062 VERIZON'WEB VERIZON.COM TX 85.13 03/16 75306016075000240413533 FLOAM KIT 920.9666600 NY 41.80 03/15 05483076075710019593317 SUPERPETZ#327 MECHANICSBURG PA 31 79 03/15 85416236075070242088344 IW / SBA EXPRESS 800-986-2640 UT 3.96 03/23 55432866082000090660041 VERIZON 800-3549354 PA 77.69 03/24 05444006084411286986896 BJ WHOLESALE #0025 WOX HARRISBURG PA 31.26 03/28 55432866087000561861586 TLG-PRIVGR559724174MAR 800 374 8273 CT 11.99 03/29 05410196089320170103183 BURLINGTON COA00001893 HARRISBURG PA 47.16 03/28 55547506088253087010484 R.F. FAGER COMPANY CAMP HILL PA 56.85 02/10 85306016041000199095554 FLOAM KIT 920-9666600 NY 97.60 02/10 85306016041000199095570 FLOAM KIT 920-9666800 NY 97.60 This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 06/04102 Page 1 of 2 06218 MA MA 47091 09210000030004709101 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------ City: ---------------- State: -- Zip: ----- Home Phone: --- --- ---- Work Phone: --- --- ---- Email Address: --_- aaaaaaaaa L IMorsallon About Your Account Lost or Bteten GMs: Plena report your lost x stolen card immediately by caning the Cubmer Service number found on the from of your statement. Advisom are always awileb%to assist you. You ran mach an Advisor by pressing 0 after you order yaw account number. Crediling of Prynds: For payments by regular U.S. mail, and at beet vow minimum - -------------- bY Me Pryrront coupon in the amebpe provided with our addresa An nie #itaq It the eAvebpe whdow; the envebpe carrot aresb more than oro peymadoraupon:cod rnxe pro he ro dap W, paper dips, laDe orcorrespoMerw Incbded wNh yaw peymeM. If your peyrtant le in amordance wih ow payment Iatrixtiana end's made swilele too on any day exceq Dacemher 26 by t:00 p.m k tlme d to y°nour enauvauMa of lst ryfor paymeMe on Ihb ctWment, we wig ayrrw your paynpM U re ucoranoe calla our aymeM Inakuctbrs, led Is made awlis to u afix 1:OD p.m. lard tkne at cow pea dfia host dagated for Dayrard9 on this aUtement, wa veil cred'R i s vow aocout es ot the mess day. Ii y?ou do cot tohow our payment irolnstlons or leyyour payment m n eat by reputer U.S. mail to our pad ofNce 6yme?t Prymerh ne°alacVOnakayNrough ouco`r sum r e0 b1Whoro combs, cuetorrcr Soma payment payment, s. r web eta Will he sr6jed to my processing times dledosed fa those . Amount IMoaaUa Reported In Crank Bananas: We may report kdormation about your nomad to credit bureaus. Les paymns mbad payments or other defaults on your aaroud may be reflected! in your crodk roped. If you think we few is rbed baccumte room armn to a choir bureau, you my write to u at the WMnsmber Service re dma listed en your hitting aleleriant. Chub Collected EledrdaUally: We reserve the right to elect ronicaly celled vow afq Bb wcahb?hthe chmim wu drown. ut motor mot and en ?represemment. from the bank accourd on yyoouu payment stack Is your authentication for an toaged the amountd the check eloctronbaly, or O needed by a dm t dm n egctnat the bank amount Cracks will be eclleded electronically by andl? the check amount along with the check, routing and commit numbers to your bank Year bank socount may b deleted a axy es the amt day we resin your rid. The original check will be desfroyad and an Image will be malnWad In our roarde. GadBbal PT Any pm M check or enter term of payment that you and os for lea than the kJ bamrroe d I Ust m marled 'paid in lull' or sgakre s wmimr anion, or that you otherwim tender in fill satle 3GUID d!WW ed amaM, count he ant to Cud Servces, P0. Rex 16049, Wilnrkgten, DE 18860e our rights npaMkq these payments (eg.. If it U determined time is ro valid dispute or U any smh rmmah :heckmmp reemed at any aft airns). We may address, any such the check bJ reluming Will still R to ywour not ashinp 1 b ==-, AI other payments that you make should be sent to the appropriate . Alcohol Reawl Notice: U yaw account ha an annul foe, it will be bllled each year or in =an irsalniaMS, wheeler ern you w your asauK cod yes agree s payy n when blind. The emul he b nomrefund b uMea you wary us that you wish to tics your account within 30 days of the dale we malt your unformed on which the amuct fee is ehuped and ad the cans time, you pry your outstanding below in at Your paymam of the aIfoedeswtadadour rM IDcbayouramour ands Book yourrifi tomake iranactiohe on your account. N vow acaud ¦ abaad b9 you or u, we will continue to charge tlro emal he and] you pay your oudandng be nor in full and terminate your amoud rebtbMhip. EapUalbn at Finance Charges: We cabulets periodic team charges, using the applIllepxbdc fates shown on Mm stdemem separatel1yyforach faturo ((e.g., below tranaledcomenem dacb ant ash advance checks ('c lack trenaclbn'), Donbas. halenoe transfers, can advances, pronatbrol balances or overdraft sdwrca)). These akxMcnc may combine different calegxbs with the ante ally periods rtes. U rare Is a V roe to a periodic rate on this statement, that rare may vary, and the inch and margin used to determine that into and its corresponding APR we described in your Card neriber Agreement is ameded, Then in a minmum finance charge in 17 billing cycle in which yyoou owe eery periodic ffnxw charges and a trapction sass arge for each balance tansfer, air advance, or check transaction, In the amounts sated In yaw Grdmember Agramem, as amended. To Bel the daly below for each day of the curroM billing cycle, we take the begimlrrpp bance breach facture, sod any new transaction or other debt (mclulig fees, unpstd finance charm and otter c subtract any paymema or craft are rake oM•• the date and time your payment was due. Then is no grew period for balance transders, ash adwrws, check transactions, x overdraft adwncea In aWtlon, If there Is a °Oalityip Rpnallohal Flaming" action oe this statement , you wig rat Incur periodic finance rges on any Remaining Balance flat appears in that section a you pay that balance in full by The applicable Expiration Date. To avoid faance eMrpee on new puichms when your Nay Balance Includes sty HerniNnp Balenoe(s) in the 6uNykp Promotional Fanang aNoR pay yaw tur New Balaw mime the late] M Own HemalnkV Balancals) by the date and time your payment Is des. However N your slaterroM ehewre riat a nmum v.ynroM b des, we mud most" at 651 that nanmum Payment by the debt and firms spmpfied can w eWement even I your New Balance consists only of Oulifying Pmmdbnal ftnevyoohalem M. Abe, for sea Qualifying Promotional Fine rohq balances, periodic finance charges account during tla promofbrol period but are not added to your montand below Instead in acoumd interest ill to bNImO cy This bbabance to not tppW in full by the dcterre interesT Ou rq Prailli applicants Expotton , theE?tpdefxred furnace charges, WIN be added to your amount m C soon ardmemberA?xe?enwm,t ed6eterrodfl race charges us beaddsdloyyoourraawxunnt soon as the time of d&ehhulmLl BILLING RIGHT8 $UNWARY 1t Caa d Bran x GaeaRaaAeuct Your Bill: N you thnk your bill Is wrong, or N you reed morehfor ion abau a tnnaeotion on your hit, write Cordmember Service on a separate shed at P.O. San ISM WNlmi jrpbkxrr. DE 19860.6280 as soon as possible. We most hex =1 later than 60 days aherw son you the flref bil on whch the error x problem es an blepfo ce ins but doing se will n proNrve your rights. In your lerer, gin an the following information. • Yaw more and account number • The dolor mount of the suspected ewer • Describe the error and spWit, U you cm, why you hctiew them is an error. If you need mom ireomation. describe the kart you in unsure about You do not have to pay sty amount in outman while we are in.v=ing, but you am oil oblpUd to lay the orb of your ill UW are not In queWon. White we innsBOab your quectbn, we gnat report you as delinquent or lake action to tolled the amount you question If You have authorized a to oav vow credit card UII auumctlealb from wur e wfemeMl n uaf reach a at ad three budross days before the sdtaduled ro ocour. N GM PamhaseK 9 you hew a problem with the quality of goods or owed with a credit card (excludihgq purchases made with a deck), cod hurt to curled the problem st the merchant, you may not have imam due on the goods or services. You hew thin Protection only a was axe Tian $50 and the purchase wes made in yaw home date i ONd you the Wwrt imxnerd for lheD Deryxservfma.ar MM dba are added'a of W transaction dd4 the beginning of the bi ad*- Them nactions, do not apply I we own am Posted to yew amount, or a later date of our dsiae (exapf ire added es of the date deposited by the Pena or a later date of on se ewmge airy aunoe. we will was the defy pedodb rate that applies for the average daty balance amdud at the end of the filing cystic to calculate the daily periodic Nrorce tinge each dry.) N the summand each showwn a previous cycle swings daily balance for of chDUma hoses icr the °rovba hAi g cycle. Fiomwev r,°the dulIyy bllaw for Dnvio sbb'llin° to got the alance cycle pwdwsa is considered 10 be zero for each d%y ofthe previous billing cycle H e perbdc (dance charge was akady billed on punhaas tem9ed on your previous statement a we moolved payment of your New Balance on your Drevisus statement in al by the date and time your payment wes des. To gQd yaw total Periodic finance charge for a biking cycle when a daily periodic rate(s) applies, we add all of the dally periodic fiance therpes for all features. To determine in average cialNy/ balance. we add your ally balances, ant dvide by the romber of the days in the appicat billing ryelIee((s). If you muNply the avenge dairy below for each fame by the applicable dki perltdc rate, and then mutt: corn d them results by the number of stye in the septic biting cycle(s), and than add all of the results together, the total will .In equal the periodic fiance charges torthe billing cycle, WOW for minor variations do marsh licubt you tperbdcrate(s applgot average daily baNme for glad femurs bythe apo r to mordhy pedoem rate and add the resub logetbr The total WIN equal the periodic name charge or the bdNUiq cycle, except for minor wrtatsns due to rounding. Oman Period (al ism! 20 days): We accrue Periodic fiance charges on a trwomarbon, fee, or firanoe charge from the ate it is addedtoyour sibb bWw until paymard in al is rmeived on your xcouM, lbwewr. we don charge perbdc 1ne w or son new Wrcheas tilled dwIn o btukg cycle N we receive both on ent ym of your New Balance on your cwrent datenaM by the date and time your DaymeM is duce and abo payment of your New Bd. on your previous statement by MAMMON Statement Date: 03/02106 - 04/02106 Account Number: 5401 6830 1442 9192 Page 2 of 2 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 32 days in cycle APR To Periodic Rate Fee CHARGES Purchases 00000% 0.00% $5,535.75 $0.00 $0.00 $0.00 Cash advances V .06162% 22.49% $1,741.02 $34.33 $0.00 $34.33 Balance transfer .00000% 0.00% $564.16 $0.00 $0.00 $0.00 Total finance charges $34.33 Effective Annual Percentage Rate (APR): 22.49% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Whatever you'd like to do - refinance your mortgage to get extra cash, make home improvements, even buy a new home; Call Chase first at 1-866-836-8335. We can help with all of your home financing needs. All loans subject to credit and property approval. Equal Housing Lender. Send mom the best of everything when you give her a gift from 1-800-FLOWERS.COM, your florist of choicel get 15% off your purchase of fresh flowers, plush bears, gourmet gift baskets and more when you use promotion code CHASE66. 'For details please visit WWW.1800FLOWERS.COM/DISCLAIMER. This Statement Is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 06104102 Page 2 of 2 06218 MA MA 47091 09210000030004709102 Statement for account number: 5401 6830 1442 9192 , New Balance Payment Due Date Past Due Amount Minimum Payment $8,313.34 05/26/06 $0.00 $166.00 Amount Enclosed Make your cheek payable to Chase Card Services. Enroll me in the optional $ New address or a-mail? Print on back. Payment Protector Plan. I understand the enclos@d offer and may cancel any time. Initials ae 540168301442919200016600008313345205257 20968 B Z 12106 C DIANA L L I1111111IIIIIIII 11/IIIIIII II VIII Ill 11 111 11 lllll llllllllllllll DIANA SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: 209 30 1ti4 29 i9 2 211' Statement Date: 04/03/06 - 05/01/06 CUSTOMER SERVICE Payment Due Date: 05!26106 In U.S. 1-800-224-2984 s Minimum Payment Due: $166.00 Espaffol 1-888-446-3308 TDD 1-800-955.8060 Pay by phone 1-800436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 1-302-594.8200 Previous Balance $8,235.40 Total Credit Line $8 500 ACCOUNT INQUIRIES Payment, Credits -$283.80 Available Credit , $186 15298 Purchases, Cash, Debits +$330.15 Cash Access Line $1,700 , DE 198505298 Wilmington, n Wilmington, DE Finance Charges +$31,59 Available for Cash $0 PAYMENT ADDRESS New Balance $8,313.34 P.O.Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chose.com/creditcards BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $18,86 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $1.10 Rewards earned at 1 % on purchases $1.90 Redeemed this period $20.00 Remaining balance $1,86 Total earned this year $59.83 Redemptions will be sent by separate check payable to BJ's Clubs in increments of $20 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 03131 75306016090000008522906 FLOAM KIT TARRYTOWN NY 69.80 03/31 85416236092070249327629 IW / SBA EXPRESS 800-986-2640 UT 49.95 04/05 55432866095000218420943 VERIZON`WEB VERIZON.COM TX 80.00 04106 55429506096846204370757 EBAYS HALF.COM LA VISTA NE 65.09 04/15 05410196106624150782463 PETSMART 00005835 MECHANICSBURG PA 30.51 0423 11131132727786082100005 PAYMENT -THANK YOU 164.00 0424 05444006115440096831763 BJ WHOLESALE #0025 WOX HARRISBURG PA 59.62 0426 05444006117441908889724 BJ WHOLESALE #0025 WOX HARRISBURG PA 12.98 0426 05486806117378000051385 EXXONMOBIL18 09671363 NEW CUMB PA 20.01 0428 55432866118000271968922 TLG'PRIVGRO59724174APR 800-374-8273 CT 1199 05/01 11211212728013884300002 PAYMENT-THANK YOU 50.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 29 days in cycle APR To Periodic Rate Fee CHARGES Purchases .00000% 0.00% $6,011.14 $0.00 $0.00 $0.00 Cash advances V .06162% 22.49% $1,767.44 $31.59 $0.00 $31.59 Balance transfer .00000% 0.00% $564.16 $0.00 $0.00 $0.00 Total finance charges $31.59 Effective Annual Percentage Rate (APR): 22.49% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 08/05101 Page 1 of 2 08218 MAMA 20968 12110000030002098801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: - --------------------- City: - -------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: --------------------------- L Inbrmallon About Your Account Lot or Salon GMs: Phase report your lost or stolen card immediately by calling the Cusomar Service number found on the front of your. shipment. Adwoon are always awilable to assist you. You can mach an Advisor by preamp 0 aheryou order your account number. I of Psymeals: For %ards by regular U.S. mail, send at least your MNmum due to our port ohms boa dgipated for paymena shown oa this sahmem. Your e by mail must comply with the instructions on this statement, and mud be made or moray order. DayWb b U.S Dolt, ant dmvn on or pays* through a U.S. IndlhA an or the U.S. bnroh d a taelpn flhenclal Institution. Do not send aeh. if account number on your chedkor moray order Payments must be assamarded suer ire p.m. twat rend at our poor crewoa pa teo mr payome on ma mtemen, we wig or@& it to your account lee of the told N yyoou do rot tolow our payment instrtrdiom or h your paymaM b not sere by regular U.S. fora to our pod oflbe Da depcated for paayymemo, .redid of your prymehe may be deb for up to 5 dayyss Payments made ebclminialy through -r aulanelM to hom service, Customer Senrke advimm, or our web site will be sublect to my processing arms dimi.ed for those payments Assumed IMomation Reported Is Coral Bureaus: We may report Wormatbn about your account to credit bunrus. Late payment, m sed payment or ahem dehub on your 8aanll may be reflected in your credit repot. If you funk ere lave reported Inaccurate infomatlan to a credit bureau, you may write to us at the Cardmemiw Service address listed on your billing statement. Gooch Collasled Eleclmol oly: We reserve the right to election ply -lad your eluible payment choice, at fart presommerd and any reprosemmem. hour the bank am on which the check "a drown. Our receipt of your payment dock Is your autltrbag- for ue to coiecl the mouth of the check elddnnic ly, or N needed by a drift drawn against the bank amount. Checks will be cat" electronically by send ?q the check amount along with the chink, routing and "-cunt mmbm to your baNc Yeur bank anxroum ma be dehNed u eery lee the same dey we receive your pryrmm. TM odpiml deck will M destroyed and an hop Will be maiMalrad In our recalls. CmMMml tea: Any pa M check or other form of pa that you send us for toes then the fu 1 baMtoe due tiayr1rt'is marked 'paid in al' or Mahe a smilar notation, or tam you otherwise tender in full satbhctbn of a dimouth: muat be sent to Card Sxwce, P.D. Boa 15040, WadmWgton, DE 1ga50.500p. We re s rw al our rights fpardinp these payments (e.g., N N Is delermined there Is no wild dispute or N any such check b Malawi at my other address, we may aooWthe check aid yyoou will still owe any nmahmy balance). We may refuse to accept any such payment by redumbng I. to u. rot aahig 1 or demrgedenn0 b. AN other payment that you make should be mrrt to the approjAbe payment mas. Amml Remwst Notice: If your account has an annual fm, it wil be blled man year or in monthly inshaments, whether a not yyoau me your amount, ant you agree to Wit it when bi led. The annual ire is nor-rturdabb uNee you idly a the you wish to atom your ac-ud wNhin 30 days ot the deb we mall your sfaterroM on which the annual in Is cMryed std at the suns time, you pry your outstanding bdasse in full, Your peymed of the annuallm does not attest our rights to close your account and to Mink your rig tomake tramacdons on your account. N your was rd is dined you or us, "will eoMinm to charya fine annual fm until you pay your outstanding balance in full and terminate your x-urt rddbehip. p G the pgkabl rperdbdc Finance ear shown on this etdmmL sepanfayfor emu festwe e.p. Del"ne' true W erierroe eheke and cash adwna data ('check tnn"clion4, purohems, balance transfers, cash adricas, promotional Mlauces or overdraft adwnom)). Them cakeaafiom may-nbins dllfewa categories with the tome dairy periodic rate. If there Is a Y rud to a porki is rate on this steameM, that rah may wry, and the index and m"ryryin used to determine the rate and Its m mpDedeg APR ere described in your Cardin or A{peemant, as amended. The w b a miNmum fhmnp derpe in aniy burg cycle in which you owe icy nad:f inmce darpee, and a trametion flrmuee area for aeon balance Iranmer. aril advadlce, or check trametbn, In the amounts Bated In your Cartlmember Agreement, a amended. To gst ihe der bstaee for mach day d the current baling cycle, we ate the beginnin balance for femurs, add any rue to mectione or oiler debts (including feat, unpaid Ilherra cMrpm and other chlane), subtract any payment or credo, and make Other adiustmeMa Tnnmctbm am aaddtltlsedd as of the bxmch- date , the beginning of the billing cycle in which they am posted to your account, or a Mer data d our choice (except that check tra extlona an added as of the data deported W the Davao or a later data of our the date and time your payment we due. There is no prate period for balance trarntxs, ash advances. check trisections, a overha8 advances. In additlon, It there Is a "OuslNalap praba0onal flnenclig" section obi this statement, you will not incur periodic fire= ehran on any Remairing Balance that appears to that v Balahee brdrde a RermlNng Balance(s) in m, pay yourall New Balance mina the tohl d nd fime your payment is due. However, a your Ice due, we mud reahe at Imst that minimum on yyoour statement, even 1 your New Balance snaring balances. ircinn pI Manse, pedodfc finance charges accrue t adlM to your account balance. Instead, Ihey As. Thor It. nfemed to .'deferred interest.' If a financing babmM is not paid in full by the urns charges will be added tour somrit as h. Purtlw. you default underthe temad your in chargeswlll be added to your account as soon as TIM am of omm BILLING RIGHTS SUMMARY In Case of Erma or OunNonsAbo lYour Nil: N you think your bid is wrong, or dyou need more aformatlon am#a tnrglctkm on your toil, write Carcmember Service on a separate sheet at P.O. Box 76200 VAI?regp1tmmn, GE 1986062Bd as soon as poeabla. We mud hear into you no 6br then 80 days aAerwe rem you the fide bit on wheM1 the error or problem appeared. You an telephone in, but doing so will not Oraerva your rights. In your Man. give us the following information. • Your name and "ooouN number • The dollar amount of the suspected error • Describe the error and oaplain, if you can, why you belew then is an error. If you need more imomation, dmaiba the dem you m unnoe about You rte not hew to pay any amours a quMhn whis woo m inveelgaVrap, hail you ere mil obligated to pay the pare of your bill that an net in question. Whla we Inwmipme your del take actio questiouealloik we If yyoou ?how wutlndmd is to Do rrcredit cudnbilll aututanaticary from your savings ordlecbrg account, you can atop thepa rat on any amountyou 1h(nkacramp. To atop the on youstd ordad) must much us at ldthnee business days be?forree the number shown wn an His auhnatic payment Is scheduled to occur. Special Ads for C" Card Island If you hewn yrobiem with the quaN of goode or services that yyoou purcheeed with a credit card (wol:liyq purchases made with a chic), and you have tded In good fallh to correct the problem the merchant, you may not have to pay the mrWMng amount due on the gocda or services. You have this protection only whentM purism Dim was more then, and the Durchtm was made inyow home date or within 1 DD min of your mining "ddrem. Them Ienmhlione do not apply tl woo own or opmte the merchant, or S we mulled you the advertisement for the property or service& purchases. we do the same tharp for each doHowevof the previous cycb to ger the daily balance of purchases for the provbes bdkg cycb. er, the daily balance for previous billing cycle purchams is -rrldbred to ba -for each dey of the preview baling eye a if a perbac fiance charge was amidy biNd on Inn am lambed on your previous sM ffmrd or we moeNed payment of your New Balance on your previous statement In full by the date and time your payment wen due. To V your total pertodb finance charge for a bilIN cycle when a daffy period. is all features. To it. Into an spores welIyyadd al d the defy perbdb burns chaMes for thearpgprgabl bla?igaiywrdejsm M yaoudeiy u yeasaawnmdgaavldeayyMYrwe kr acti irmiure ray the apliabN derv period. rue, and then muXpy mach d IMSe rmuas bythe number d days in me pDlkahle bXdrg cyclNsl, and then add all d the raWa apellrer, iM trial wit also egust the pxbdk timnce ehrpes forihe biAkg ryele, except err mien wrietbm due to rouMmg. To pet, your toM pertodto timnce clamp fa a bAlinyy cycle when a monthlIyy P.-st rah(s applm, multiplythe averapn deiy balance for each festun by the pDlicabb m-Nay pe I. rate a. add the resuis topeNet ilia foal will equal me pxbdicfierce chage fa me bipm0 rycb, except err Mmr vadtlione due to rounanp. anus Period (at last 20 aye(: We accrue periodic finance charges an a traMction, fee, or finance charge from the data X is added to your daily balance until payment in full is received on your ac-un. However, we do not charge perbdc finance, on new Duroheses biped durh a bXWg rycb X m reehe both paymentd your New Balance on yoair curtest sham t y the date and time your payment is due and also payment of your New Balance on your previous stewnm by MA011806 Statement Date: 04/03/06 - 05/01/06 Account Number: 5401 6830 1442 9192 Page 2 of 2 IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE MAY HAVE CHANGED AND MAY VARY EACH MONTH. ALWAYS VERIFY THE PAYMENT DUE DATE IN THE BOX ABOVE. TO REQUEST A DUE DATE CHANGE, CALL CUSTOMER SERVICE. YOU CAN ALWAYS PAY BY ACCESSING OUR WEBSITE DISPLAYED ON THIS STATEMENT OR BY CALLING 800-436-7958 Final and Only Thank-You Notice before July 10, 2006. As a valued Cardmember, you've been issued a Thank You up to $100. Claim your favorites, each with a low fee of $2.95. Log on for details and claim your Thank You up to $100 from SynapseConnect. www.giftcard100.com/Chase. Code 24616 Whether you are looking for a new home or thinking about refinancing your current one, Chase is available to help you with all of your home financing needs. Call us today at 1-866-836-6335. All loans are subject to credit and property approval. Certain restrictions and limitations may apply. As a valued cardmember, you are eligible to receive high- quality merchandise not available to the general public from top brands such as Lenox, Tonka, Disney and morel Just go to www.rowardoenter.com and enter 161398 where it asks for your certificate number. Act now, quantities are limited. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 0605101 Peg. 2 012 08218 MAMA 20988 12110000030002088802 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment e $8,435.73 06/26106 $0.00 $247.00 ¦ Amount Enclosed Make your check payable to Chase Card Services. New address or e-mail? Print on back Enroll me in the optional Payment Protector Plan'. . I understand the endos@d offer and may cancel any time. Innials Date 540168301442919200024700008435735224096 28887BExZ15206C Irrrlllrlrrlrrlllrrir rllrrrl,llrrrilrlrirrrllrrlrlrrrllr111rr1 DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1:50001r.0281: 209 30 i44 29 i9 2 2110 Statement Date: 05/02/06 - 06101/06 CUSTOMER SERVICE Payment Due Date: 06/26106 In U.S. 1-800-224-2984 Minimum Payment Due: $247.00 Espafiol 1-888446-8308 TDD 1-800-955-8060 Pay by phone 1-800.436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 540168361442 9192 ACCOUNT INQUIRIES Previous Balance $8,313.34 Total Credit Line $8,500 15298 Payment, Credits -$378.14 Available Credit $64 Wilmingtonn, , DE DE 19850-5298 Wilmington, Purchases, Cash, Debits +$336.43 Cash Access Line $1,700 Finance Charges +$164.10 Available for Cash $64 PAYMENT ADDRESS New Balance $8,435.73 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditcard s Payment of amount in dispute $49.95 not required. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $1,66 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Rewards earned at 1% on purchases $2.10 Remaining balance $3.96 Total earned this year $61.93 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 05101 55429506121846304243952 EBAYS HALF.COM LA VISTA NE $10.19 05/01 55429506121846304244059 EBAYS HALF.COM LA VISTA NE 3.70 04/29 05410196121065510442532 MELALEUCA 00000018 IDAHO FALLS ID 76.81 05/01 85416236122070263945292 IW / SBA EXPRESS 800-986-2640 UT 49.95 05/04 55429506124846311476857 EBAYS HALF.COM LA VISTA NE 12.59 02/10 85306016041000199095570 REBILL DUE TO MRCHTN CRDT 69.80 05126 1146'1462728679210300003 PAYMENT-THANK YOU 250.00 03131 85416236092070249327629 IW / SBA EXPRESS 800-986-2640 UT 49.95 05/27 05410196148065180030020 MELALEUCA 00000018 IDAHO FALLS ID 67.05 05/30 55432866150000963389006 OVERSTOCK.COM 80048432446 UT 60.83 05/26 74266851513252000358157 FINANCE CHARGE REVERSAL DE 1.76 05/30 55432866151000064740775 TLG'PRIVGRD59724174MAY 800-374-8273 CT 11.99 05/30 85416236151070277617279 IW / SBA EXPRESS 800-986-2640 UT 49.95 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .06299% 22.99% $6,109.02 $119.29 $0.00 $119.29 Cash advances V .06231% 22.74% $1,743.55 $33.68 $0.00 $33.68 Balance transfer V .06299% 22.99% $569.52 $11.13 $0.00 $11.13 Total finance charges $164.10 Effective Annual Percentage Rate (APR): 23.38% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement Is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 D&M01 Page 1 or 1 08214 MAMA 28887 15210000030002888701 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- City: ---------------- State: -- Zip: ----- Home Phone: --- --- ---- Work Phone: --- --- E-mail Address: L Ialormation About Your Abcont the date and time your payment was due. Them is no grace period for balance bronchus, Lod or SloNt Cards: Please report your leg or stolen Card immediately by calling the cash advances, check transactions. or overdraft advances. Customer Service number found on the front of your statement Advisors are always ovdhble to assist you. You can reach in Advisor by pressing 0 offer you enter your amouni In addltlon, it them Is a "Onllylop Promouooal Flovi adbn an this stabment, you will not Incv periodic finance chvGas on any Remaining Balance fist appmm in that number CredMoq of Psymelft For payroerds by regular U.S. mat, send at lead your minimum Daymmt due to our pod office visa dmipMed far pymenm sham oa this emmmeM. Your section d you pay that balance in full by the applicable Expiration Dole. To avoid finance on new pumlreu when your Now Balance krdudes saVW tinirg Bshnua(s) in the B promotional Fkmnang auction, pay your full Neam minim the total of aymwte by mail mud comDy wfth the Inabuctione on ihh atgene, and must be made nt By deck or may offs , paya6b in U.3 Dotaro. end drawn on or If through a U.S. flroncbl rad Irstilulbn or the U S brersh d a f fl Ial i tihtl ea ? kg Bdi nce(e), by the date and time your payment is due. Hmrever, 9 your ? gates tent afwvn tiW a mlinimum payment locker, we mud receive at bad that minimum nd Iine s aclfled Co our she nit payrneM 1 even 1 N h B 1 hdata . . orogn roro re onI Do nos mw ash. Wrie yon aocouM number on your deddor nenryorder. PayrroMe mud be sconpoded by ds payment Coupan in the amslo rovided ith add teibI th a p y . your m ew o conststs d Qualifying Promolbnl Flnanaerg bahnae. .4 ' pe p w our rea v roou?rdyuu the s awbpa wbdow; the envebpa enrol Contgn nerothn one prymeMOrcolpon. adtlere Abo, for sou Qualifying Romotioul Fkurw xxpg balanaea, pedodb lirana charges accrue dumat the promotional period but ate not added to your account balance Instead, they an ba ro ehDbe, paper cipa, rope or Corresperderar kekrdad wM your paym?M. If your payment b in armMance wth our payment iMructiaw and b made awibb b us on ay amumubla from bit cycle to billing ryda. This is rderred to u'ddernd Werad.' If a ddened intend Q ng prandionl Financing hahrce is not paid in ful by the day ezupt DecerMd 25 by 1:00 D.m. heal tkwrmymdeMour poet oBka box dulilprrolbed for If a m oau Mki dori ll s b u y applpble Expiration Date, the dderrW MM charges will be added to your socaum as our ?1M temm ac l f p y y a n acCor n w no paymerd InYUCfb , U is mMe avsBable to us = after 1:0D D m. local tbne M our pod elfish ban desprrted for payments on this statement, odro k u soon as 11e tide or de4WL we wit arodit it ro your account as of the rotl lay. If yyoou do not follow our payment Inatiuctbna or 1 your payment is not sent by regular U S mail to our ad office box BILLING RIGHTS SUMMARY . . p duipmted for pawreMa, crdAtarg of your payment may to delayed for up to 5 doys. Payments made efbeccttroniaiy though our automMed tole no sarvbe, Clndomer Serv InCwd2 o2owibu About Year GIN: H you think your bit is wrap, or i you need more idamdio abort a intonation on your bill, write Cardmember Service on a separate advim or our web site will be subject to any, proaukuo fit d'eciwed br these payments. x steel at P.O. Bak 15299 WIIrNrrMp?, DE 18850-5289 as soon as DoesibIs. We rand h r from you ro labr than 50 days aBerwe sum you the fM bit on wh the error or Drobbm Accort kMOreilaa Reported b Credit Bmeaui: We may report Mor matbn abort your apoared. You cur telephone us, but doing m will not Dreserwa your rights. account to credit brraw. Um payments, missed p= of other delwae an your account may be rdbded in your credit repair. H you think we he" reported inaccunits In your lather, give us the fdkming information. • Your name and account number information to a aunt bureau, you may write to na at the Cardmember Service addrus failed an your billing slabment. . The dollar amount of am suspected amok Males Aloul Elhclredb Chub Couenibm When you provide a deck u pyment, you authortre us ether In use Information from your check to make a one-time eNetronit fund . Describe the error and explain, if you can, why you believe them is on error. If you reed more information, describe the ism you ans unaure about tmhlariram your aaoud Crap proaea the payment as a caeddtreunion. When muse inf r ti fr h k t k You do not he" to pay any amount in question while we are inv%r!Dg, but you am still oblpWd to pl the puts of our bit that are not in Whla w uestion i tl b or ra on om your c ec o ma e an abelronb fund tnMer, funds may be withdrom from your aCoOUni as soon as the same day we rroelve your Daynueni, Ord you will not neceha your check back from your lironcbl Mdfact bm Al the customer our numbs on thi el s ahtare 1 ou lave w' b t l t b h l y y q . e mros pa e your question. we pond report you a ddrapyant or take action to collect the amount you quedbn. H you how auffecriard us to an abp Ihe?DaymcreMelon Card any aimoudmyou think yfrom r agrge or elec Is sm y qu as a ou e ec mn c eek Co lection or do not want your paymentsColectedebctronialy. To. thepayment,yourhHeror all(uaingthe griumber Service addr t ine Coaditlorl Papmeala: A payment cheek or other farm of payment that peal ua for in II h ym ism than e b I bahroe ua 1 g IB rrsrked' dd i f l' tel ti l number shown on tiea gatemen) must reach us Of lug thin business days before the eMOmail payment Is sCheduNd m occur. au p n u or ron ns a simi ar neta m or that you Otherwise balder in fall etlMSMbn o fa d amount , mud be sent to Card Service, P.O. Bar 15049, Wilmington, OE 1955g3o{8. We reserve all our rights mWrdbg than pa ment; (e 1 it is determin d th I lid b dal Rule kr Credit Card Pudesu: M e you have a problem with the quityol goods or services that you pumhuM with a aetit cud (exdudYm Wmlwu made with a deck), and you have tried in good faith to amedlhe problem until the mordant ou ma not have y .g., ere e s no va d pub or M soy such plsck b recahad at any other address, we may accept the check Ord you will ON Cram any rem unnp below) We may refuse to accept an such b , y y to pay ft raining amours du on the goad or services. You law the protection only was p . y y should ?pm route cashi or deatro82 ft. All other payments that you payment a0dran lair t00miw do red aDDH If we over or d your tiny adZ%. Than 1mketors penite the memheM, or M we mulled adverthement for the properly or services. Anneal Rawaal Notice: If your secoun his an annual fee, it will be billed each year or in mersluN inahtaents, whether a not you on your account, and you agree to py'it when billed. The aroul fair is non-refunda orders you natfly us that you wish he c e your account within 30 days of the dots we will your statement an which the amul fair Is ahupW and at the same tine, you pay your outstanding babna in fail. Your payment of tlemnimlfee donnotdfectourrights Ioclose your amouMand to limit your rig tomake tmm aWbro on your account. If your accounts closed bbyy you or w. we wil mntbua to e until ou a our amor b i f ll d i a y p y y m Ing e nos n an u term nate your ut relaUomhpe aa Eggr1, 0 of Flares Charges: We calculate parb6C flnanae dargw, MYq the apprsebb perbdid mtu shown on this statement. upsniteylor Bash fegure (e.q.. baLcee tmndWomenierm checks ad ash adorn s chub deCk t n t ' h ? ra sac ion l. so C un, balance inin"% cull adwsu, promotional balances or overdraft admroea?. Than calculations may wmblm dMroM uNWiee with the come dairy pariodb ntw. l there Is a M next to a periodic rate on this ggannt, that rob may my, and the index and mmavrgpin used to ddemih that rare and Its aaesponring APR am dmaBed in your grMsmber Agreement, as awarded. There b a mummum fit%= Barge in blimp cycle in which ou owe ar eriodic fi h d y ty P nance c arges. an a Intention fusion charge for each balance et ash adana or check transaction in the amounts stated I C d b , , n yaw or . mem er Agreement, a amended To get the doily balance for each day Of the current billing cycle, vve take the beginnki furnace for each feature, add arry new transactions or other debits (Including feu, unsaid x firearms charges curd other chgpw, subtract any payments or cra6tc, and make other ad'rygments. ranaactbna are added w of the transaction date the be innin of the billi , g g ng Cycle m which they am posted to your aaroud, or a late doh of our chain (accept that check tramadbm are added as of the dote deposited by the payee or a Igor data of our choices From am added Other on the date of a rehtad traeadiou, the dge they era pagad to your amount or the Iasi day of the billing cycla. The Wvee see that dovli do beIance. A One of Purchases fa the previous billing cycle. Aowever. the daily balarpe for Cycle Purchases is Considered to be yen for each day of the previous b =11== wu akudy billed on purchases tramped on payment of your New Balance on your previous i by the dots and time your payment was due. To Your Ideal periodic fume charge for a billing cycle when a daily s average op set driy balance,, wwee addl Nor d?IN baY and dlwia Ev ih nrmhe Grace Period (at Iasi 20 days): We accrue periodic finance charge on a transaction, in, or finance charge from the date it is addedto yaw daily balance Land payment in full is received on yaw account . However, we do not charge periodic finance charpguea on new Purchases billed during a tarp cycle R we retain both payment of you New Balance on your currantstatement 6y the tide and time your payment is due and aim payment of yaw New Balance on your previous statement by MAD51208 Statement for account number: 54016830 1"2 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,484.94 07/27/06 $0.00 $246.00 a Amount Enclosed Now Make your cheek payable to Chase Services. $ New address ore-mail? Pdnt on back. . 540168301442919200024600008484940000002 40248 BFXZ 18306C Irrr11111111rrlrlrrlr111rrrlrlrrrrllrlrlr rrlir rlllr rrllrlllrrl DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 198865153 1: 5000 i60 281: 209300A291922110 Statement Date: 06/02106 - 07/02/06 CUSTOMER SERVICE Payment Due Date: 07/27/06 In U.S. 1-800-224-2984 a Minimum Payment Due: $246.00 Espanol 1-888-446-3308 TDD 1-800-956-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 1442 9192 1-302594-8200 Previous Balance $8,435.73 Total Credit Line 500 ACCOUNT INQUIRIES $8 Payment, Credits $247.00 Available Credit , Box 15298 $15 Purchases, Cash, Debits +$133.88 Cash Amass Line Wilmington, , DE DE 19850-5298 $1,700 Finance Charges +$162.33 Available for Cash $15 PAYMENT ADDRESS New Balance $8,484.94 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Payment of amount in dispute $49.95 not required. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $3.96 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Rewards earned at 1% on purchases $1.34 Remaining balance $5.30 Total earned this year $63.27 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06/03 55432866154000358359388 OVERSTOCK.COM 800-843-2446 UT $44.94 06/09 11601602729089019700000 PAYMENT -THANK YOU 247.00 06/15 55429506166820803200967 3236PAYPAL 'EXPUSE 402 935 7733 CA 1.95 06/28 55432866179000565838407 TLG'PRIVGRD59724174JUN 800.374-8273 CT 11.99 06/29 55541866181004036281753 DISH NETWORK-ONE TIME 800-333-3474 CO 75.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .06299% 22.99% $6,267.81 $122.39 $0.00 $122.39 Cash advances V .06231% 22.74% $1,489.47 $28.77 $0.00 $28.77 Balance transfer V .06299% 22.99% $572.07 $11.17 $0.00 $11.17 Total finance charges $162.33 Effective Annual Percentage Rate (APR): 23.38% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPO TANT NEWS URGENT: As a valued cardmember, claim your Thank You of a full year of 3 magazines, worth up to $100.00. Limited time 09/10/06 to claim your Thank You of up to $100.00 processed by NewSub Services and for details. 1-800-641-3426.4UQ This Statement Is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 08107102 Page 1 M 1 08218 MA MA 40246 18310000030004024801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------- City: ----------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ---------------------_ -1 L Idommllon About Your Account Loll at Sldea Cards: Planes report your last or stolen card immediately by caking the Cusu m r, Service number found on the front of your statement. Advisors are always available to waist you. You an reach an Adviser by pressing 0 after you crow your account number. Oretltlaq of P"meMt: For paymedc by repnsr U. S. mek, and at least your minimum paymM due to our post cities box depraved for paymeMa shown on this elatemm Your paynwds by mail must campy wbh the IratrucUons on this sWemmd, and must be made y cheek or many calm, ppaayyeahs in U.S. Dollars, and drawn on or payable Through a U.S. Orrohl haddutbn or the U. S. branch of a foreign financed Institution. Do not send ash Write your accountnumber m your dectt a moray orcbr. ads must be awnpamed by the paymnl =son in the amsoupa Drodded with our address visible through the envelope window: the enwbpe cannot contain more than ons payment in mupon: and sore an be no staDW, Duper slips, tape ormmapandem incmded with =10, pa aw. If your DayneM s in aedance wdh our paymart instructions ant I. made b fo won wry dry erapl Daeenaer 25 by 1:00 in. howl time at our pod alfla box deebated for paynaiadysmon this BMMG , we wit aedpilaytmhe payment to you awoum a d tit dry. If with as Roo? p%. lad than at our post oryim hoxe batrs, p bill Is suitable to w on ms sham rd, we will worth it to your amomd as of the ant dry. II y?oou do out follow our ppa?Y? irohuctbns of 1 your payment Is not sea by repWr 11.S. mail to our pool cafes bar dwipmted for pa yrnuenta credtkrp of your payment may be delayed for up ou 5 Prymds made efectroniaky through our aummdad zo no service. (Adbmer Se advsos, or our web she will be subject to any Processing arm dscbsed our those payments. Amount Intermedics Reported to Credit bmous: We may report information about your mount to credit bureaus. Lam payments, mused payments or other Much w your acoouM wry be relhded In your credit mount. I you think vas haw reported macdlMe informtion to a credit bureau, you ray write to us at the Ca denember Service addrea lishm w your biting sfate;WR Noun About Eledrede Chad Coawremn: When you provide a clack a payyteam. You authorize to either or use information from your check to make a me-Bm ebdrmic ford trertarfrom your amount or to props the payment a a check transaction. When we use inebriation from your check to make an electronic fund transfer, funds may be wiftdmm from your amount a sow as the same day we recelw your payment. and you cell not move your check back from yaw fimmsl ion. cal the customer seen number on thin mulament il you haw queaUoa about electronic check collection or do not ward oaWM). We may Muse to meet arty ouch payment by trimming it to you, not aehkq N or dMroyirg d. Al other payments flat you make should be ant to the appropr payment address. Areal Rom ad Notice: If yore amount ban an annual fee. it will be billed each year or In morahy imtalmds, whether a not yyoou use your amomt, aW1 u agree to pay h whin billed. The usual fee is nw•Mundabls udws you no* us ou wvh to claws your aeunt wlhm 30 days ot the dew via moil your statement on which the annual fa Is charged and at the same time, you pry your outstanding bales in full. Your wymad d the annualfaders notafbcl our righlbfo closeyour amend ant to fimti your rqM to make trammdsm an your acmunt: If your amount I. dosed byy you or w. we will mntinse to charge the uruW lea until you pry your outstanding balance in hill and bnmviam your acmud relationship. Efgtaaasn of Flsenm Charges: We calculate periodic Rance clargm. wifgo the aDdlaabb periodic rates shown on title comment, ainmbiy for each taamro?e.g., bagm 1reMedmeeniencs checks and cash admits chew ('dneck treractoun , purchaes, balance trended, cash advances promotional balances or owMraa advanmel. These mlcrsatlare may combine drlereM pbpalea with the awe deity parlodic Mw. It them I. aVmid to a periodic rate on the aNUment, that Me my vary, and the index and! errpin used to delermie that rate and Its corresponding APR are described m r drdmembar Agreement, as amended. Them is a minimum finance charge In any biing cycle in which you owe any periods financharges, and a transaction finance charge for each bounce tremtar, ma chance. Oro eck traeaction, in the amounts dated in your Cardmmber Agreement, a amended To get the daily balance for such day of the mad billing cycle, we tape the beginning balance for such hubris, edd wry new, transactions or other debits (including fees, unpaid flrrea charges and other charger), subtract any eels or credits, and ma other adjustments. Tnnsaetne m added an of the tra data the booming of the billing cycle in which Ihry are parted tiyear amount, or a latw dab of our choice (except that check trensaCRbe are added a of the date deposited by the pay" or a user date of our choice). Few m added enter on the dam at a. raided transaction. the date they are posted the date and time your payment was due. Thera is no grew period for balarice tranders, ash adwncw, check tnmacllons, or overdraft adwnwa. In andlOon, II (hers Is a "OIgNtOnp otiomal FlorclnB• aeatba no this smmmenl, you wig not incur periodic finance chvgo on my Remaining Balance that appears in that Expiration Date. To void Included a%RermWrq Basnw(s)in dmrrarona o9 you pay n now pumMseIsdam s when IN the ow Enforce cl finance the 6w" Promotional Anamc rq astsn, pay your full New &srce minus the total of these Remaeug Metals) by the date and Uwe your payment Is due. Hbwewr, N your stmmant dawn that a minmum payment is due, we moat recess at Igct that minimum Qualifying 7 to and Ptim NNW ro owl EMncyo rmammed, even 1 your New Balance amertmyld Also, for acme mWNylng Promolbnl Fsancinp balance, periodic Iwo charges accrue during the prarotbml period but are not added to your aanura balance. InstemL mY y cycle to blWg cycle. This it rdemed to a'daternd elarM" N a accumuhm from bulk ddmmd moment DuFlyiip Promotaal Rmmkq balance is net paid in full by the applicable Expiration Data the defamed finance charges will be added m r account as soon a thefiM dry almrthe Expiration Data. Further,N default under lM terms of your C.rd.ber AmeemM, the deferredflrence chrges l be added to your amount as soon as the dab of ddault BILLING MGHTS SUMMARY la pas d Etnic or GuWma Abut Your Sit If you think your bill Is wrap, or 1 you rued won informdbn about a transaction on your bill, write Cordmember Service on a sepaMe shat at P.O. Bab 18299 WI= DE 188603299 as am as possible. We must hear Ironsyoum le rGan 00 drya sent you the first dl on which the error or problem appeared. You an telephas us, but doing so will not proarw your rights. In your laser, ghw use the following information. • Your mine and eamant manbar • The dollar amount of the suspected a nor Describe the error and eaplaln, H you an, why you beliew there is an error. If you road • more Information. daedba the Nam you are uruo about You do not ban to pay any amount in quedim whit we are invert mg, but you are still obigamd fo pay the parts d your bill that are not in question. WAW we imedgda your question, we commit report you a dNkgusM or aka action to mast the amount you question If you Mw Mlnrtaed us to your cmdk card bill autonomically from your savings or da kig named, you on soupthe paynnd on anYamount you think swarp. Toampthspaymed,yawsawsal(wft Grit. r rService adducer ortesphom number shown on this ataWhed) mind reach us at lead three business days before the automatic payment Is edmaduNd 10 om r, Spedal Russ for emda Cord Ptasirsee If you haw aptobbm with the quality of goods or aervicea that you purohaed with a credd girt (adudsp purchases made with a click), and you hive tried in good math to comectthe problem with the merchant, you may not haw to pay the mmmMng mount der on the goods or union. You haw the protection only when the purchases prim new mere then 960 and the purchase sew made in your home dam or wilhkr 100 mine ofyour mats? addran Thou limitations m not oppy, i we own or operate tM merohant, or a we waled you the adwnsement for the property or senses. on the average defy balance, we will use the daily periodic rate that applies for the average it* it* chergoe each Gy.)usHatHseamtamM drrNxas?y a?i?prev ousmy Icmoyeevm deylely Gpy bahna rimr rovince the of p rrehua tder th pin RonapeacycN.d Nowever?tlr der Iy baunca for previoyia b tl p cycle Dumhem a considered fo be zoo for eachdey d the prevlow baing cycle it a period- mane chupe was aladir bilked on purcrses itemized on your pirvbus announced or we received payment d your New Bahe on your previous statement in full bythe deb and time your payment was due. To pper your total ped6c c mane charge for a hitting cycle when a daily periods rib(s) appllea, vro edd al d th defy perlodou firma chages for u features. To determine an average did bahna, we add yow dollyWhmesand divNL by thanumber of thedrys in the aDplaDk billing cycle(s). If you mltipy the vicar dally balancefor each femme by the applicable daily perbdk rate, and then muMpy we of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total win ale equal the periodic finance charges for the billing cycle, except our miter variations due to mmdng. To gal your total periodic firma charge for a balm? cycle when a monthby periods reels) apaliw, muNigy Me a?ra9a defy balance 1a each undure by the applnWle monthly Derlotlic Me and MO the resuna topetrr. Thetotal will ewel the periodic finance charges a the billinp cycle, aapt for miter %nations due to rounding. Greco Period (al had 20 days): We accrue periodic finance charges on atransaction, in, or finance charge from the date it is added to Your deny balance wall payment in full is reserved on your amount however. we do not charge periodic firuce cherppw01 on new pumlemes blled duri a billing cycle it we meet" bah payment of you New Enlae on your current statement the dm and time your paymed s due and also paymntof yow New Balance on your Dm iDus statement by MAD51206 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,646.77 08126/06 $61.00 $541.77 99 Melee your check payable to Chase Card 8arvlus. Amount Enclosed $ New address or e-mail? Print on back. . 540168301442919200054177008646770000009 32318 BEX Z 21308C Illliiillllilli 111 li11i i11111il ll lli ll lit ll iilti litlliilliilti DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 160 281: 209 30 144 29 19 2 211m Statement Date: 07103/06 - 08/01/06 CUSTOMER SERVICE Payment Due Date: 08/26/06 In U.S. 1-800-224-2984 Minimum Payment Due: $541.77 Espaflol 1-888446-3308 TDD 1-800.955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 540186301442 9192 1-302-594-8200 Previous Balance $8,484.94 Total Credit Line $8,500 ACCOUNT INQUIRIES 15298 Payment, Credits $185.00 Available Credit DE 19850-5298 $0 Wilmington Wilmingtonn DE Purchases, Cash, Debits +$137.48 Cash Access Line , , , $1,700 Finance Charges +$209.35 Available for Cash $0 PAYMENT ADDRESS New Balance $8,646.77 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. Payment of amount in dispute $49.95 not required. Your credit card account is past duel Please send payment immediately Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our webaite displayed on this statement. BXS BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $5.30 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Rewards earned at I% on purchases $0.99 Remaining balance $6.29 Total earned this year $64.26 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/04 11851852729741995600004 PAYMENT - THANK YOU 125.00 07/04 55432866185000024324496 DIS'DISNEYSHOPPING.COM 800-328-0368 CA 48.48 07/17 85502786199509407010015 DAISY R HAWKINS MECHANICSBURG PA 50.00 07/27 LATE FEE 39.00 07/31 12122122730491629300003 PAYMENT - THANK YOU 60.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 30 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .08217% 29.99% $6,420.81 $158.28 $0.00 $158.28 Cash advances V .08217% 29.99% $1,492.16 $36.79 $0.00 $36.79 Balance transfer V .08217% 29.99% $579.11 $14.28 $0.00 $14.28 Total finance charges $209.35 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement Is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 08/08/01 Page 1 or 1 06218 MAMA 32318 21310000030003231801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: - --------------------- City: - ------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -_---- L Information About Your Accoul the date and time your payment was due. Then is no gape period for balance nanders, Lod or $total Grde: Please report your lest or stolen Card immediately by calling the ash advances, check transactions, or owrdra8 advances. Customer Service number found on the from of your statement. Advisors are always Ice admllon, 11 then Is a "0ulifyllpp homdiesel Flubdp• aedton an this statement, available to assst you. You Can reach an Advisor by pressing 0 after you enler your account you will not inor periods finance oherga on any Remaining Bdanw that appears in than number. sedans f you lay that hmlana in full bbyy the applicable Eapnranion Data. To avoid firsnce CMMUag of Plim eMm: Pod payment. by regular U.S. mad, send at lead your minimum cMrr on new Wreheau when your New Bi lam Indrslse an{Renairi g Balance(s) in oy oaca or money oldd, paymvile n U.S float Iimcku IietlUdion artist U.S, branch of a for Write your mount number on your check or on by the payment coupon in the amekope pm NVWDo wkldDV. the NWbpa anwtcomaln I an be no stapse, paper caps, tape or comapo Payment is day aoepl in Decaccordance with ove ember 25 by 1:00I.m ? i local payimde on to stabmen4 we wit credit the ash. load h the we on yaw det ment, own A your New El amtM P.M. Well time It ow pod office box designated for paynrnb onfhb aMeresnf, we will Credit it to your account as of the nod day. H yyoou that follow our pryrrwm Instructions or I your payment a not sort by regular U S od oRfce box moil to cu as the dab of debulL - -. ? . -..... •-- -------------- BILLING RIGHTS 8UMMARY . . p daipmed far yrmfs credtinp of your paymierit may bo delayg for up b 5deyu Prrmenfs ma6%fecUOnicely tfrouph our aubsmatM bbphene sam. Calmer Senks In Call d Flren or QVIdlons Ahem Your NII: U you think your rid Is wrong, or 1 you need more gdermmtion about a transaction on your big, write GMrnember Service on a apertle Idvbon, or our web site wiA be subyed to any pro aaeW those disclosed for those gpafs dealt an P0. Bar 16299 Wllmltrgqttorn?, DE 198603299 as soon is poalble. We mud hear tromyou no later then 80 dIp dbrwe ant you the lint toil on which the error or problem Aoreesl dbn AaPOdad to Credit Bussur. We may report information about your abuse mpPeand. You cart telephone us, but doing so will not pret erw your rights. accourd to credit bureaus, We Payments, missed PymMa or other ddlue on your account may be rOhedad in your credit report. H you think we have reportd k"ufde In your Mter, give us the following Information, • Yow mm ant aoaurtnumber information r b Credit br L you my write to us M the GrNmmber Servia address listed on .TM dollar amaum of tle euepecbd ertor MIN Able Bac renfc CMait Coesanabm When you provide a deck a adderire M either to ON irdomstbn from You 'you one4kne Check to ? "Describe the senor and exphirl N you con, why you bedew them is an error. If you need mere information, dsecdbe the Aare you am unsure about barter from your acoou t orto processthe piyini nt a cMnktmnadion. When we u a information cram aw it to male an ebd f el t l f m You do not haw to pay any amount in question while we an inviapadng, but you are did abigled to qY AM Dart of your htl that are not in quatlon YMie we inwatl aAa our y ronc us nhe er, u e may he withdrawn from your accoud as soon a the come tlry We recent your payment. cent you wla not repent w h k f k f fi s I . p y question, we cmd to" you IN deli quern or take motion to called the ancurt you quesitho 1 haw authorized a t dit d bill l b d f ya c ec la rom Vow mc l ndAulkin, Call on cWomer arvha dumber on this Mad" i you have questions about sleclromc check collection or do not went Yom pa meMS coleded electronicall . =, o Wy yow cre an ou ona c y rom your savings or kg axowd, you an stop iM paynsM on any amoam you ybnk swronp. TotapthoPaymeM m derorall(uor tM Cardnemberservice addreaates hoe y y. COI"NI PI effi A t l .hr g D number shown on tits statement) must reach us it last three business days bit= the : ny aVmu e sck or otter form of DaymeM t"I you and um for less than the till Yabnce due t a marked'ws in tai' or antaios a shmitr notation r anf0" payment Is scheduled to acad. , o ihet you otherwise tender in fdl satsfaction of a dsyubed amount, must be sent to Card MYMOU P.O. Box 15049, Wilmington, DE 19850.5048. We name all our r ights rpm Miop these paynherte (e g A G Is determined there Is no wild db ta H dpadtl Rnfa tar Cedes Cold Purchaser. If you haw a problem with the quality of goods or sarvsn the you purohaad with a credit card (aclud'np purchws made with a check), you love h, talth to Comad the the th you m not have . , y or an wch cMCk b pu received an any other adders, we may accept the deck and yyoau will still owe any nmam'rp baana). We may refuse to accept any such payment by re1ulMng it to you, rot arklkrqgA or dettro in il All other t th t h ? e ? d y m a? ? any b when the purchase pricavss more than $50 and the pumhaa ss made in you hone atom or within 100 min d our msii i adc These liitati d n t l a y . paymen s a you mob should be Bent to the appro prae ply" m. pan d . y g M ons o o app y we own or oparele the mcrohe M ated , or 8 we m you theadvertsermrtfor the property er services. year or In MM yo on ur mount, M yo y month led. T installments, wis mm-rakin l f r a no tole urdna you notify era tlet u you agnat pcb emewhen account wghs 30 drays Ot iM dam we mail your statement en which the annual fee is charged and d the same Ikne. You pay you outstanding balance in full. Yow paymen of iM anaalb it. not MW our rights to cbseyouraaounf and to dad your right to make tnamdiau on your mount. If yaw acowd a loadban by you or us, we will Continue to charge the mull fee until ou our outst di a i f ll d Y y Y ana an ng P n u an terminate your account rolationshiD. Elpuhnafbn er Flarce Changes: We casual periodic fiance charges, w'ro the or 11 we for roes mane CMngse, and a transaction Name charge for each balm Mince, or check tramac8on, In the amount sMW In your Grdmamber balance for each dry of the awned billing cycle, we tab the beginning tedium. add any new trumectsm or other debits (Including face, unpaid and other oharpal, wbtrad any payments or credits, ant make Other teactuns are = u of the its on date, the beginning of the biding lay ere posted tou mount, or a later data of our choice (except than il an added a of 1M dets deoaitee ev the owe nr a w.r a.w..w .,?r d this ILTI cycle purohaam a aarlBldered to be mro for eah day of the Prins- bddng cycle H e periods flame change wa abesdy billed on purchases demised on your previous sldameM or we received payment ofyour New Balance on your pre"s sldemeM in full by the date and time your payment was due. To 77M your total Periodic lkmna charge for a billing Cycle when a daily periodic retail) applhs. wa add AN of the daily periodic finance cMrgee for ad futures To datembe an awnp daib bdancq we add yaw daily lmknm and c&k a by the number of the days in the appliah bit, cyde(e). Ii you mulhpy the cowrraappa dairy Mena for each feriwa by the appllabb defy periodic dale, and then multhpy m of these resat by the nunber of days vin the applicable billing cycle(s), and then add all of the resells together, the told will also egad the Pwk dkc finance cherga forth billing cycle, except for minor variatcm doe to ro-dng. To get your total periodic fiarse chi" for a belly cycle Myth u monoy periods =9 applies. m tittl the awnpe day Mbnro for each haturo apdhcebb monlhy c ritd add 8s resu8s bpdher, The total will equal the perbdcihanoe charpea for the billing cycle, acept for minor variation due to rowding. Grace Fenced (at lead 29 dap): We Iconic periodic fiance charges on abmauction, fee, or fiance charge from the date it is added to you daily Mane wane payment in full is received on you account However, we do not charge perbdk finance LWC on new p"C bleed durhs a bMnp cycle N we modw both payment Ot your New nee on yaw cunM sbtemert y the dete ad time you paymem s due and anus payment of your New Balance on your pmvmw statement by MA 51200 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,50511 09/26/06 $0.00 $347.11 99 Amount Enclosed New your cheek payable to Chase Card Services. $ New address or e-mail? Print on back. 540168301442919200034711008505110000005 69393 BEX Z 24406 C 11111111111111111111111111111111111111111111111111111111111111 DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000&60281: 20930 L44 29 L9 2 2ii' Statement Date: 08102/06 - 09101/06 CUSTOMER SERVICE Payment Due Date: 09/26/06 In U.S. 1-800.224-2984 ' a Minimum Payment Due: $347.11 Espaflol 1-888.446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 540188301442 9192 1-302-594-8200 Previous Balance $8,646.77 Total Credit Line $8 500 ACCOUNT INQUIRIES Payment, Credits 4400.00 Available Credit , $0 15298 Purchases, Cash, Debits +$39.00 Cash Access Line $1,700 , DE 19850-5298 Wilmingtonn, DE Wilmington, Finance Charges +$219.34 Available for Cash $0 PAYMENT ADDRESS New Balance $8,505.11 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. Payment of amount in dispute $49.95 not required. BXS BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $6,29 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $6,29 Total earned this year $64.26 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/05 12182172730677084000003 PAYMENT - THANK YOU $100.00 08x27 LATE FEE 39.00 09/01 12442442731419396300009 PAYMENT-THANK YOU 300.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $6,543.64 $166.69 $0.00 $0.00 $166.69 Cash advances V .08217% 29.99% $1,481.38 $37.74 $0.00 $0.00 $37.74 Balance transfer V.08217% 29.99% $585.16 $14.91 $0.00 $0.00 $14.91 Total finance charges $219.34 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need It? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 OW9101 Page 1 of 1 08218 MAMA 69393 24410000030008939301 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: - -----------------_ City: ----------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -----__ L Information Abut your Acoctowl Lod or Skies Cable: Please report your but or stolen mrd immediately by calling the Customer Service number found on the front of your datamenl. Advisors em allays available to mist you. You can roach an Advisor by pressing 0 after you enter your account number. Pam"A's For aymemS hY hr U.S. mat, and d lad your minis to our pod slice _ dugated fa ayrrwnla shown on this datemenL mail mud amply wlth fig iabuclbne on tAY sfilemaM, and mud be n honey a, ayebb kt U.S Dona all dawn a a aahte through A Iutiat .-the U.B. bench d a ferogn fiaaYl IMitwia. DO not avid i m coupon in the envelope ?rankWon this Abatement vro it cradlatlbtiamymat sdWto your Aotficus box ccou t a oaf 1M??y. If you DWrrwA ts In AcpaMae whhow payment rtauctbM, but is mate available to ha after 1: p.m. fecal time at our pat office bar designated for prymmc on this statement we will alit d to your Accom a of the raid clay. N YYaau do not follow our payment me IMrMbns or B yyour aymm is not sort by reigutar US. mail to our pod office byoex. des d Paym°4epebclronMip dour eWOrrwd bpMMile oe`lgalonw 8ervla ad vsom, or our web site wilt M wbieof to my Draaunp times it'sdoded for than paimseas. Aaowl IMona on Reported b Credit Bmaw: We may repod informed' an about your ma, to aatiI buman. Lam IF , mind paynrMS Of other detauite on your auto In your it mDorL If you think we how repo dd in b °xurale Ikmd a your Nbrg dab au may w , a to us at the Ca amber Nolke AhoW EbclroOk Clrect Commbrc When you provide a check u D . you autilorin ha ether b us. Intomatbn from your check to make a one-Om ell k fund transfer from your account "to proaa the payment as a checktrarwctbn. When we w information from you dock to make an abctronb fund transfer, funds-may be widdmwn from your Account as soon as the am day we receive your payment, ad you will not receive yyoowchwk bwkfmm yew financial irwtbdion. Lill the asbmar service number on this sft N you have gadms about electronic check wkdiDn or do not want your payments cdhetd eNOtm**.. I,WM*ml Z%isgh: Arty a cluck or other form of paynwm that you send ha for lea than the full balance era Ihd se mdud'paid in IuP or wntaku a dmihr notation, or tht yyoou otherwise tender In full eefistaction Of a dhatd dwurd, mud be am to Card Services, P.O. Box 15019, Wilmington, DE 19854-50419. We reserve all our rights ropd'np these payments (e.g.. I it Is detemined Mere Is no valid dispute or H wy such duck is received at wy other address, we may wept thedack and ywwill stiff owe any remainnp balance). We may refuse to accept any wch payment by returning ft to you, at cahkip q or cledroyinnpp rose its. All other payments that you make should be ant to the aDDroD[wm Daymm add Awwl Reached Nalice: If your Account has an annual In. 0 will be billed each year or In mmhy tahlmMS, "her or nil you use your axolAm, ad you agree to ay it when bihad. TIU anhal tee is err-retundebN unlw you atry ru that you wish to cba your no wbhm 30 days d the hate We mail your stabmm a which the annual IN is charged and at the semtim, you ay your outstanding Mhnce in futl. Your p?wanl of the annual fee does not Affect our rights to claw your Account and to Imit You BIND) mdw tnaadknu an your Account. If your account is deed bbyy you or aR wo wilt continue to cho 1MeAmendhti unit you pay your abtedirg baisnce in full and taminste your Explanation at Flaws. Chaga: We tabulate acidic liana charges, nabp the applicable perbdb rates Mown on this statement, searato ouch feature (eq.. be rtes bander/convenience checks and ash advance checks rdlyadt transaction" , purdtaw, balance trahefam, cash advances. promotional balances or overdraft Onboes . Then alculatois may combine different ~1w whh the seine daily periodic rates. If there Is a'V' next to a periDtic rate on this statement, that rate may very, and the idaand m°rrppm used to Mermde Oat rate Led its comaponting APR us daybed In your Cardmmber Agreemnt, a amended. Then is a mkrimun }beam oherye buy billag cycle b which yyoou eve nary periodic finance charges, and a trenadbn firm drupe for each balance inafa, ash advua, or chock transaction, in the amours stated in your Cardmember Agreement a amended. the data and tint your payment was due. Them is no pace Wod for balance insiders, ash advances, check transactions, or overdraft advances. In addition, U them Is a'Qua" Promotional Financing" section on this statement you will not Incur periodic tiance charges on any Rxainng Bafince that appears b that section it you pay that balance in full by the appliabhe Epidlw Doe. However, t you default urdor the terms d r Cardmember Agreement or all Ohallying Promotional Financug offer, the app Is periodic fiance charges will som ae on any Remaining rear pule &hrde u won as the bllbng to in which the default occurs. To coved finance charoa on flying Promotbal 8edbn, pry your (W New Balance mew the tofil of these Remain Bahrra(a) yalhe aide war time yourpaymwtbdw. HOVnver.NyouraMemm is due. the emdate and kne?spealed m yew ddhtaant even Myou? Balance cium fists o y oil OuaMyinp Promotional Frrarecbg balances. For 'deferred interest" Oallying Promotional Financing. periodic finance charges ovine during the pronptbal period bid dm not added to your account balance. Instal, May immolate from billing cycle to sing cycle. B a damned interest Chat NuyyYlqq Promotional Financing balance Is not paid in fug by the applicable 81yimiw Date, the deferred finance charges wilt be added to yow second as won a the fino day star the Expiration Date. Further, ! you default undsrtheharms of your Cadmember Agreement, the deferred finny charges wi® be added to yow aaaM as am as the dam of default For'Ibod pAymm' Quo" Promotional Financing that pemlRS you to pay fora purchase in a designated number at payranle, youwill not have a grace period fort at batimea each repayment ton for that Ass daaba l above uahaa. Includes a Iles ever, ve, Bluof the e period o interest n othowed over er new purchases the y have, BILLING RIGHTS SUMMARY IN Cw of From or GOaUoss About Your MIf: If you think your big is wrong, or ff you need man information about a tnradion on your bib, write Cadmmber SeMce on a separate dad d P.O. Boa 15299 WilMm1pttwpn, DE 19850-5299 as won a pasible. We must hear from you nc hbrt an 50 days aherwe em you the first big on which the error a problem appeared. Yw an telephone a, but doing w wit not preserve yow rights. In your hater, gin AN the following inkirmation. • Your ante and account member • The dollar amount of the wspeducl ernes • Describe the error and explain, it you an, why you belim them Is an arra. If you rued man information, describe the item you m uauro about You do not have to ay any amount in question while wa are inveU91:1 bur you am dig obbpted to ay the arts of your big that are riot In question. Invedpate your ptsstbn, we cued report y7roou as MYgad or file action to Dolled the amount you quedbn 0 you have autle, ha to ay your credit ad bill wtam°tialy from your savings or dacbng account you an shop ties ay won ny amountyyoou think Is wrong. To rep the payment, yow tons( call (using the p dmeniber Servicesddrw or telephone number shown on this daterred) mud rant w at head three business days before the aubmatlc pamment is sdrodulad to Decor. SPUN Rab for Cmddl Cad Pmbata: N you have A yroblem with the quality of goods or servos that you purchased with a credit and (exti Ibp Purchases made with a check). ad you have tried in good tough to conedthe problem the merchant, you my not haw to pay the ramininp amourt era on the Goode orsenkas. You have thb prdedbn only when the purchen price vies more than S50 ad the purchase was made in your home state or within tag miss d ==Y ddrea. Then Iknildba do not apply g we mm or operate the Mon.Mrm, ou the advenNemem for the properly or services. for each day of the curent billing cycle, we tale the beginnby add Arry hex tramadade or other debits (including Ism, unpaid er char . wttrut atry?ems or petit, and make dha r us Added as of bistro dm, the beginning of par bilibp odd to your mount, or a latar data of our choice (axapt that Ideal u of the date depos by the payee or a later date of our ither on the dab of a rem Rfictian the date thm are mOM we mums y the defy alarm by the alai Periodic rate to pet your periodic fiance starr for that hv. We Men add Ohm paid fiance cMaa to your daffy abnce to qet the beginnkg balance forthenud day. "am than c m daffy peddle rate mid aDDfy based on the avaage My bW rtes, we wig us. the My peddle Me the apelies for the arena stagy balance amwt at the and d ill algng cycle to cabdste Me duly arbtic Ilnaroa aharryga eAch eray.) N this stabmaM slpwa a Drevbae rycb avaape derby balance ror DucMw,wedo the name In laawh day ofthe DrevbalycyMdeto petthe My ahae cycle prachaw is Do ddaindbil sig hezero fen ads ??Myy dhethe pnrvNua b ig cycle l0 a periodic Manse wore IN shady red on Dudases amited on your pmvbha by the dab sdtima your aymaM was steternan or we recelvd pA m ot ywr New balance on your provbus sistemnt in full due. ppeett your tool acidic febna charge fa a bluing cycle when a daffy perbtic ale(s) applNs, vs.p1yadd AA d the MIt Periodic gang the for al fatumc. To tletemne an maipd ph7e hiss p yclelsja if you mymoy the ?aveMmdp My aMMnce to?ra,eaha;al y she apPlicebb defy perlodb nab, ad than muhp ouch d then resdb by Me humor d the dap in all pDlbable hilGrg cycle(s), ad than all d the rautta [opelMr. to idol will a- spud the periodic fiance charges forties bibnp rycle, except for nnwr verialnn eraN to M perbdicdne(A) eodDlm rmbi0rb'pIy ivllerlianpaeltNMra rotorh50feilorc 6yMtheiDplk mMhly rbdb rate eat atld ill raub tpethecaThNneceoml wit equal ill peddle Ilarae charges for the hillag cycle, except far minor wraMna due to rounding. was. Period (at fwd 20 drys): We accrue periodic frame charges on a baaActlom fee or fiance charge from the date g is added to your daily balance umi Payment in full is recdved on your account . However, we do not charge periodic finance car99aes on new purohaw bind durhs a bilnp cycle 0 we receive both payment of your New Salem on your currantddemm y the Me ad tiro yow payment is due and also aymeM of your New Balance on your provnue statement by MA060706 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,444.48 10/26/06 $0.00 $292.00 Amount Enclosed New Make our chock payable to Chase Card Services. $ New address s or e-mail? Print on back. 540168301442919200029200008444480000006 02082 SEX 927406c Inrlllrlululrlulullurlrluull rlrlr,rllnlrlurllnllul DIANA L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055.4452 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 209 30 L44 29 L9 2 Zito Statement Date: 09/02/06 - 10/01106 CUSTOMER SERVICE Payment Due Date: 10/26/06 In U.S. 1-800.224-2984 a Minimum Payment Due: $292.00 Espanol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 1-302-594-8200 Previous Balance $8,505.11 Total Credit Line 500 ACCOUNT INQUIRIES $8 Payment, Credits -$350.00 Available Credit , Box 15298 755 Purchases, Cash, Debits +$81;05 Cash Access Line Wilmington, , DE DE 19850-5298 $1,700 Finance Charges +$208,32 Available for Cash $55 PAYMENT ADDRESS New Balance $8,444.48 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oonVcreditcard s Payment of amount in dispute $49.95 not required. SYS BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $6,29 redeemable at BXs. Rewards earned on partner purchases at 1.5% $0.00 Rewards earned at 1 % on purchases $0,82 Remaining balance $7,11 Total earned this year $65.08 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $6,349.41 $156.52 $0.00 $0.00 $156.52 Cash advances V .08217% 29.99% $1,518.96 $37.45 $0.00 $0.00 $37.45 Balance transfer V .08217% 29.99% $582.03 $14.35 $0.00 $0.00 $14.35 Total finance charges $208.32 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Whatever you'd like to do - refinance your mortgage to get extra cash, make home improvements, even buy a new home Cell Chase first at 1-866-836-8335. We can help with all your home financing needs. All loans subject to credit and property approval. Equal Housing Lender. Enjoy low web rates, special offers and a discount too when you use your Chase/Hertz CDP# 374210 at hertz.com. X 0000001 FIS33335 C 3 000 y 9 01 08110101 Page 1 of 1 - 06218 MAMA 02082 27410000030000208201 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------------------ City: ----------------- State: -- Zi p' ----- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: L IIOOMIUDN About Your Almost the data and time You Paymard war due. Then is m grace period for balance trardsm Lost on Sides Cadr. Please report your lost or stolen card immediately by calling the Cuebmmr Service number found on the from of your statement. Advisors are ahvays i i , ash advances, check Innsactions, or overdmA advances. In addtbn, it them is a'OmINYIng Promatbnel Financing" see ion on this stetemat you ava ta ana h s to l you. You an Hach an Advisor by growing 0 after you enter your amount number. . wig not 1=r periodic Manor clrrgee o any Remaking Balance that appan in mat H s th b Cmallap of Paymear. For paymeMS q' rputar U.S. mag, send d law you minimum Dymant due b oar ow dik b d i t d f you pay sea on in alm in full by 1M applicable Expiration Data. Howem,, it you default uder the terms of your Cud ember Agreement or any Qualifyig Promotlosil deer the a k bb = B d On p e out a pm e or payments shown on this sletemert Your payments 6y mall must mmDy wim tM inetuctiom on thin slatemenl, and mist be made W chunk or missy onfer peyyaobin N U S DoNcn d d , pp a p mnm w" wit canes on any Remaining g Bakenee a am asthe bung cycle in which the default occurs. To avoid law" rQee on new Wmhaawh n our New Salim Include c R i B i N b the O , . , en mm on or payable mrouph a U.S. Nmnclo NutNurbn or me U.S. beach ot a lorogn Iineneial ImtlNtlan. Ca not sad ash y ry ema ng rcole) n a e4IIyNep Prmldlarel FluncFq section, pay your full New Balance nom the total of those Writ yoraaount numbermyarclreckormaney oiler Pymante muat Maaompuiiad by the payment coupon In the emwbpe Drovidd with our addresa visible 1lrmph Be avebpa wbrdaw the eswebpa anrotomab more man o M Remaining Bafence(s)by the dab and time your payment is due. However, 1your dwerment shows that a minimum yaynert N duo, we mat naive at bill that minimum payment by tM date and it" spadled on m sbtame K N N Bou , ur pryme armrgm: ardthere an'l no etapla, paper dips, tope or ortespondena toluded wlh you prymeM. If yar p s yaw ew can nce mm cs only of OuaNfybg Par oboat Rmcing baNncea. paYrneM a in aaodance wish our peyrteM intromtions ant N mein ovaitable to is on say dry Hoeg DecsmOer Y,m 0Y 7:00 p.m. local time at our pow dNm boa dabrsNd for payments on min dwemaA we wtll a d'nt tl Fm'dderred inbred' OuHytrB Promotional Ftenckg, periodic fiance charges um dmtp No promotional pMOd but in not added to your account baNme Indead, nary e e pa ro you aaoat a of thw day. If you Dyment Is in aaordanoe with om payment rsbuctims, bun is made awdabb te us ceder t.VD p.m. Mod time it am pat office 6oz desi nated for a maN thi M M aaummam tram biltp cycle to billing ride. H a delened interact onMyiq Promotbrel Financing aNnce N not paid b full by the appliable B mfii Data, me- old dmd flame y g on s e eme „ p we wig credit it to your commit as of me new day. N you do rot follow our ay rent Inetnuibns or 1 your payment is rot Eeft by regular'U.S. mall to our pod office boa char will be added to your amount as am as the Bnl dry after the 6miatbn Dab. Fuller, M u dehul under the tertne of your Cadmem'lr ApeemeM, the dttand fiance charges WIN be added to your amount as man as the date of detaull dqsig; no for payrt?arn, u ap of your payment may be delayed 1o up b 5 dew. aNct by through our automated telephomsenkapsmmer5ervke For lbed payment' OmNying Promotional Fusnctp that armthe you to pay fa s purchase ad viore, or our web din will be subject to any processing alma disclosed for than payments. In adeep" numberd payments. you will flat hove a grace perbdforthat balance as each aypepy includes a Portion of the intend owed over the repayment that purchase. n Aalcel Information Reported to Cmdll Ban am: We may rosort information about your HPwall You wit how a pace period a other new purchases, described aa v BRLING RIGHTS SUMMARY et account to may b"will e humus. Line peYmente, mussed payments . K you maser you think wa other defaults on your account may be @ In your your credal W e hero rece ded to Is Cal d Smaller Question About Your Bill: H you mink your bill is wrap, or B you need igs M b be addZs information t a credN r y o may wrote to a at the 4rdambe r Scrim dreae man MamaBo a on on your 5115 carpe Candmomber on a apace listed an your r billing statement. Notice Ab t El dm b Ch ilnigthmrr soon n possible. shod d P.O. Box r 1529 15299 YNlmin?gl, OE 19850-5209 u eon se oselbb. We nod hoer as from you ro interman s0 OUm Morwe sent you the first bill on Wblch the error or roblem ou a a ock Common: When you provide a check as pymaM, you authorlre a either to use information from you cheek to map a oeMma dectronik limit p apposed. You an telephone a, but doing m will not proper" your rights. smaller from Yom amount or to process the Payment as a checktnnncthn When we use In you fader, give a the following information, adomatia from your check to niche an dectronlc land tender funds may be WN WMWO • Your name and account mmber hour your account as am as the ama dry we main your DPl11, and you veil not rxeive yyvvu check baklrem you finned kdHdkn. Call the Customer servi. number on this W Wnent it yo u he" question questions about electronic check olectbn a do not word your . The ddlar amount of the suspected aor • Describe the error arid axptaln If you an, why you belNve there is an anon. If you need payments mdNcteO O man, information, describe the Item you are uneuro abed CaudMOal peymmin. Amy Pigment check or other form of Payment dst you send a for ism Ben tlr full baNna dm the is marked *paid in fart' or onUim a nmiNr t t You do not have to ay any amourd in question while we am invedpdaq, but you em veil ab5pded to pay tlro arts of your bill Hat an not In anchor Whole we investi our ate no a ion. at =Otherwise tender NMI collocation of a disputed anenrd, mud be am mettoa Card Box e raw al am no then pa rights ments (e g ipM be e determin d th ?b w id k M . y g question. wo amot report you as delinquent or take action b cooed the amount you haw U c t am?Wi automatically train ?m your question. nG60rlclbeldn amount ou an slo tl W . y e ere n o fi d dispute o ff any such dec received at any Omer address, we may accept the check and "II dill owe any remannp t balance) it b such Pa ment b a i We a p p pp ?ayy mmae . y a Tm stapthepaymad, w letler.all (Isingthe dmember Service aedn a ortelephoe tribal show. a s before the as al) must ? us, at Nat three busier da . you. no l codl y ng N y or All ceder payments royinp you make should be sent to the appropriate py 4 ad7ma y ma? maid N pay' occur. . mondiIFV raftl annual to, it will blood own year or In !vhsftr a not u the quality of goads or Speolo Rae for CMM Cad Purchases: B you hen o prop Purchases blent withi servieft that you od font to ormat th ad iU t ? Ind you low tried i on obl = you use a d r a gree to P%ft who 69Nd . The caul fie re non-refudcble unless you rotly Us thy wit te cad" your p e pr em x mem s rd you may not how to pay the remaining amount due on Bun bea You new thin prated ion any amount within 30 days of the data we mall your statement on which the annual to N Be when the purchase Price wa more than 50 and the purchase as mde in your home dab charged and at the sometime, you pay yam ouestanfAng b&ktm fn1dl. Your Deymat of the anrod M does notaffect ourrbMS to close your small and to ImN your ripyl to maims ;,== maiina tees These limitation do not apply p we on or mailed you the adwrtNemen ter the property or services. transactions on your ncoum. l you account a miosed by you or a, we Will continue to charge the arolel fee urtl ou pa our whom b i f l y y y rig rams n and terminate your ul aaeunt relationship. EkWetbn of Fig as Charges: We calculate arbdc finance charges, an the appNmbk perbdlc rota Miown ed tNe atabmard, rw r for each fatun e.g. balance ( , trandericomenia- checks oaf ash advaa chxb ('ch. tnnmction'SI purchases, bounce tnefan, ash advances, Promotional baNmn or a"rtrad edpances oscillations may combine different categories with the mine daily perledlc ratea. Il.thTheere Is ¦ V next to a periodic race on this alderman that rate may vary, and the index and me in unit to determine that rate and A s orresponrNq APR am dearlmd In r 0a momber rearnerd, we pe in anryy MI cycle in winch aya arose b. Them is a minknun fiance du yyo0 hongse and a hemactbn smarts Cha h b l , rge r eac a ance trander, ash advance, or deck transaction in the amounts rated in aw Cardm mb , y e er Agreement as amended. =it* 'llama for each day of the amroM billing cycle. we take the beginning e add u y n r transactions ack feature d hfm I l tth , er or o e ( nc uding fee. urpeid p finance r m n adrytmaeds. Tnctbe in added'u subtract of the trayawdion data 1M be by inn f th , p rap o e rycN in which they am posted tDur account, or a later date of or chow (except thal check traneschota are added a al the date d it d b th epos e y e payee or a inter dated our china). Fees an added rimer on the date of a related traneacda, the date they sro pared to your aaant.orte led dydtMblMnp cyeN. TAN gwaathetdysda baNroe.it endit balance is treated a a balaree d awro. N a deNv oerwnM m. vmY.. rn -b tor,,.. average of purchases for the preview billing cycle. Hawewr, the daily balance for pmviois Wpinp cycle Purchases is considered to be zero for each doy ot lid Previous billing cycle it a =f== was alary Bled on pucLv hambed on your previous payment d your New Balance an your pmvbas statement in full bytho data and Bma you payment was due. To ppMM your total ariodk Item charge for a bipinp rycN when a daly perio6c rate(s) $Pp ies, we add all of the daily statute find m c'lroes ter as 1U! r de.nna.. s cnarpa for me biaavg cycle, eampt for m mor variations des to rounding. Ofal Period (aIced 20 daYek We so" parbdle team chryn on a transaction. fa, or from charge tram the date p is added teyoudaffy'llama midis aynefa in fall is radved on yaw account However, we do not charge Periodic finance charges on new Purchases billed duri a aging cycle It we receive both peymeM ot your New Bagm an yourewnnt etdameMal the ride and time you Paymeat Is due end elm payment of your New Bala nce on your previous statement by MA000706 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $8,746.97 11/266//066 $292.00 $882.97 Amount Enclosed Make your shack payable to Chose Services. $ New address or e-mail? Print on back. . 540168301442919200088297008746970000006 00972 B 9U30506 MMC VIII III11II III II VIII III II III/?III II III11III1'III11I'l ll III DIANA L L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L60 281: 209 30 LLA 29 19 2 2112 Statement Date: 10102/06 - 11/01/06 CUSTOMER SERVICE Payment Due Date: 11/26/06 In U.S. 1-600-224-2984 a Minimum Payment Due: $882.97 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY_ Account Number: 5401 68301442 9192 1-302-594-8200 Previous Balance $8,444.48 Total Credit Line $8 500 ACCOUNT INQUIRIES Purchases, Cash, Debits +$84,77 Available Credit , 15298 Finance Charges +$217.72 Cash Access Line $1,700 , DE 19850-5298 Wilmington, n Wilmington, DE New Balance $8.746,97 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: www.chase.com/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $7,11 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Rewards earned at 1 % on purchases $0.46 Remaining balance $7.57 Total earned this year $85,54 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description FINANCE CHARGES Amount Credit Debit Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $6,403.62 $163.12 $0.00 $0.00 $163.12 Cash advances V.08217% 29.99% $1,557.50 $39.68 $0.00 $0.00 $39.68 Balance transfer V.08217% 29.99% $585.69 $14.92 $0.00 $0.00 $14.92 Total finance charges $217.72 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. X 0000001 FIS33335 C 3 000 Y 9 01 06/11/01 P.O. 1 d 1 06218 MAMA DD972 30510000030000097201 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------------------ City: State: -- Zip: ----- Home Phone: --- _-- ---- Work Phone: --- --- ---- E-mail Address: -- L Information About Your Account Lod or Shybn GMs: Plane repot you lad or stolen ant anmedhtey by allnp the Customer Service number found on the front of tst .a no grace parted for balance tmdera. ash advances. check transactions, or overdraft adwcoes. In eddtbn, d them b a 'Qualifying Promotional Finencirq' section on this ststemer ou L I i di w l n your.s emein Advisors are ahvays averlabb to assist you. You an reach an Advisor by Drasssng 0 after you enter your account i Y o c ?? b fcMroee? any Rom Inning B l DagfenTc ne you pa per n n tio appesra in the b i number. avoid fiance charges on new purchases when your New Balance includes any RmalNng W)wadiM do sp?o?t Mlia brae by regtlufpr U.S. mdl, and at bed your min"as" il orent ? rt?eMC b on , sme our - Babn* the tend soft thane Aemai ying Promotional i Beprrq(c) by Gro?etle and me your pyrnmt O a?Ha eror i your datameM etlowa dirt a minimun a ment a due we must n M t b d tl t y y ma campy will tut iiauuetb Mlle aMemem and uq be made 6y sleek or matey order, payable in U.S Do Ws and dmvn on err payable throu h a U S m p y , a a a a miNmum payment by the dam ant Ikne specified on your ddemeM, shoo it your New , g . . tiafchl ialdution a the UU branch of o laegn Ilnamlel imMtdbn. Do not send cash Balacoe coresh only of Oalilycp Promotional Financing balances. . Write yours wa romber on you rcMck err moneyordec PaymeMS must be accompanied by de a __a b the envelope provided with our sddrue visas through the For'ddamdInsured" Owldyirp Promotional Fkmobg. periodic fiance charges accrue during ft promMbal period but are not added to your mcowl balance. Indeed, they a-- wktaw, the envebpa gnat cards mom than oa peyymmeeM orcopm; and Mere an he co atspNs, paper dqs, tpe or armepandena irsdededwdh your payment. If your acoumuha from boiling cycle to billing role. N a claimed Interest QaplyYq Promdbal Fi ancing balance is not paid in full by the appliable Expindlm Dam, the d d arlad faros us on a peppyys_q iffl tsce 4h?pm? adbesrolo rr lW fo yme n m w ut *is bs 6 ? char dwrgyou defaudk ?tMt of your Conlaember dry ?ltfade it k) Dots. es A In. b dd d b h t 1:OD ne at o r Dad ofibe Cho for a y mance w hh our pnwd nwtm rm, la dude aadlable ttoo a a m thi g V e a e Fm ed pym D enl' Causi am socoPromunt Fiancdq dr parNh you to Dayfor a purchase p yna e on s statement, we wig credit it to your accoud a of the next day. N yyoou do not folow or it latruNam; or d your payment Is not said by regular U S. mail to our ost ofACe box In a designated number of N,ym at , :u wll net law a dome period for that balance a such Payment includes a pehon of tnterest owed ever the mpsyment term for that ur H h . p designated for =rft, crediting of your pmem y may be delayed for up too 5 deryyaa P bd i th rfsenta -P c ase. p owewa, you veil have a grace period on other sew Dudans as described above. ey e ron ary rough our automated telephone service, Cualamer SaviCe advisom, or ou web eke will be sublect to any processing times dhclaad fa tlroa BILLING RIGHTS SUMMARY Daymanh he Ceasot Eram or QuedlonAbout Yaw Nil: ffyouthbk orbit lees yo rood, or I you ed AaouM Idoaeffa Reported to C?1 Boma: We may report adametion about your aceoud to credd bursua. Late payments missed payments or other drladls on our mere leformetlon shoal a transaction on your big, wrier GMmemher Service on s sepame most at P.O. Box 15299 Wilmington, DE 1 850.821198 as soon as possible. We moat tear , y eaoudmaybe reflected in your credit repot. If you think we law reported kaauate iMomation to a credit bureau, you may write to to at the Cardmember Service address train you no later thin 00 drys after we sent you the had big on which the srrorar Drobbm apparatl. Yau aura telephone to, but doing so wig tot preserve your rights. In you letter, listed m your biding dabmeM. pow Lthe foI ng IMOnmatkn. Notice About Elwho to Chisel, ComerslDn: When you provide a deck as psymeM, you solvents us either to use irtormdbn from your check to mass a oration electronic food • Your name and account number • The dollar amount of the suspected error me er ircuracoountatopmcmtt.PWMtua&a*tmmetbn.Whmwsue ireonatim from you check to male an electronic food Investor, fonts may be withdrawn . Describe the error and explain, iyou cm, why you begs" them is an anon. If you need from your account as Boon is the same day we mcdw your payment and you will not more orientation, describe the item you us unsure about receive your Mack 6suIr you financial institution. Call the customer service numberan this alatsment it you hue gkedbas about electronic check collection or do net want your You do not have to pay any am curt in question while we am invUWVNq but you an, all plodded to pay the pads of your bill that me not In quutlm. White we ImMlpde your IN 00 too slectra NY.. A em we aced report youas delinquent or tale action to coact the amount you Gadllbal ftfo Any payment chock or other form of payment that you send to for less then the III I IsWce due that is marked 'paid in full' or cmbaa a similar notation b savings you hove authorized to to pay you credit and bill aubnatiglh from year sto can tp M pr/me nt. y d yo ( Is wr r hwMV accou , or thet you otherwise tsrabr in full sMl e be at to Grd red Samees P 0 15040 B Wik ' 1 0 N p M T pO,he pa X (tot n ap mmba Service ras o f o . number shown on NYe $W m rd) must muchsus st ? Mm business dtl da s bef th 3, , . . ox , n OE 5 e r Palm rpaMbp as ow these payment (e.g., it it Is determined there is no valid dbpule or d airy such cheek le y ore e sut01"nO fi"""t is °dx? to °cour meted do rry other eddma, we my accept the check and yybou will still owe any rom?'n'np balance). We may msae to accept any such payment by mowing it to you, not aehhp i ordMroyinnpp k AN other Pa ments th t k SBaclaf Rote he CMM Card Pprdaaec N you have a problem with the Quality of goods or services the you purchased with a credit ant (mlulbyy purchases made with a deck), and ou law tried in ood toug t h l = . y you ma a e should be eat to the appropriate payment addroa. y g h o connect t e prob em Ba merchant, you may not to Day the remaining amount der on Me or esrvkes You have Mh proHclbn o y Appeal Respond Notice: If your account has in annual fes, it will he blood each year or in morib IneladnaMe, wtwdw . not you an your accoum, and you agree to pay it when tolled. The amtol Isu is non-refundable unte o tif gut when the purchase once was moo than fW ant the purchase was made inyour home some or within 100 roles of your maling addrm. Than limitations do not apply d we own or apace IN merchant, or kwe mailed you the advertisement for the property or services y u no y us you wish to cbae your accoud wthb 30 days of Me ale we mace your atatemeM on which the annual In is charged and d the aunetime, you pay your outstanding below in full . Your DM!?at of the annual fee does not affect ou rgNC to class your account and to Iml you rpm to male . transactions on your account. N yaw soaud is cloud byy you or M. we wtl continue to charge the annul lee unto you pay your oumading be us in fig] and terminate your accoud relationship. Expandbn of Flans CYryee: We calculate periodic fiance charges, usingy the applicable wiDdc rates shown an this statement spaatelyfor each feature (e b h e .g., rce taaredconveriie ce checks and cash advance checks ('check tmmacton'), purclwaes, below traders. ant advances. promotbml balatkon or owrdm t adwcoes). Pbe coaudyour GMmemberAgmment for the bdureaMd are applicable to yourcard The k hh i a u ms may comb ne dBMferort ategorieswith the ssme dny periodic toes. If dome is used to a Y mss to a aMdlc rate on this smem rd, Ilea rate may wry, and the iawk dM marrgpin detsrm ne that nab and its c r di APR o respon ng am desud ed in your Cardin r Agreement, as amendd. Then is a mfoknum frame charge in aumy oilnp cycle la which you we ant perbdk fiance Marpes ad a transaction finance Mar e for each bah , g rce transfer. ash advance, or check transaction, in the annuunts toad in you Cardmember AgreemM. as amended. To gel the daily balance for each day of the currant boring cycle, we take the beginning balance for sun feature, rid my new transactions or other debits (including fm, unpaid finance chergu ad char claroa , suWact any p?ymeMe or crania, and maim other d 0 Z i s iua mad ane am added as of the fnnudlon date. the beginning of the bill np cyce in whits they am graded toyour account, or a mar date at our dale (except tut cheek fnrnchonc are eddd as M the date d it d b th epos y e e Payee or a later date of our choice. Fees are added either on the dab of a rNefed transaction. the date M%w pdd to vow account, or the had day of the balm ewde TM, cues... fMt .,e. ,rd. the of Pumhan for the previous billing cycle. If. ver, the doilpy 6elorsce for provbua billing cycle Puroham is considered to be zero for each day Of the previous blOng cycle If a periodic limme charge wait aksudy blood on yyurchaas kemked on your provbto stsbmeot Or we received Payment of your New Balame m your previous smemnt in ids by the date and time your Payment was due. To qqeet1 your foal perbdk fleaae change for a filing cycle when a defy periodic toe(s) ¦ppllas, we rid aA d the daily %dodk Nana the , M all few um. To determine an averap d.iyy helana, we add your any bahnm ant divide by the number of the days in tut polabb bMng cyole(s). If you muaDy the average airy balance for ant facture by -Vw ,w sew wrong Cyce. exapr for minor wnatoa due to minding. arm Period (d lead m ); We accrue Periodic finance charges on a transaction, in, or flounce charge tram the dew t is added to your ally balance until pay?M b full b MNAMMI an yPuuurcthm bided duaccount. ring a b1du?pat22VI we yre'aiw?hotth Ppayment eriodic fl of ray urM?asg? yroo on New Balance an yaw preeYous smern by theflateD Metik edjaaurDnd also ayffsentvdue?lhero MA080308 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $9,044.36 12/26/06 $636.00 $1,567.36 99 Amount Enclosed Make your check payable to Chase Card Services. $ New address or e-mail? Print on back. 540168301442919200156736009044360000007 05414 SEX 9 33506 C DIANA L SUMMERS 5446 OXFORD DR MECHANICSBURG PA 17055-4452 I I11'IIIIIIIIIIIII IIII"111'illll 111 l?l'I II III I'IIIIII'1I?I11? CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 III III II II'II1111'llllll'lllll'If II?II III II III I'l1l 11 ?11 ?III?I 1:5000160281: 209 30 i44 29 i9 2 2lie Statement Date: 11/02/06 -12/01/06 CUSTOMER SERVICE Payment Due Date: 12/26/06 In U.S. 1-800.224-2984 e Minimum Payment Due: $1,567.36 Espailol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66301442 9192 1-302-594-8200 Previous Balance $8,746.97 Total Credit Line 500 $8 ACCOUNT INQUIRIES Purchases, Cash, Debits +$78,00 Available Credit , Box 15298 Finance Charges +$219,39 Cash Access Line $1,700 DE 19850-5298 Wilmington, DE New Balance $9,044.36 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: www.chase.oom/creditcards A late fee and over-limit fee are reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due and over-limit amounts, billed Interest and the billed late and over-limit fees. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302594-8200) today. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $7.57 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $0.00 Rewards unavailable for redemption $7,57 Total earned this year $65.54 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/26 LATE FEE 39.00 11/02 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $6,701.71 $165.21 $0.00 $0.00 $165.21 Cash advances V .08217% 29.99% $1,597.01 $39.37 $0.00 $0.00 $39.37 Balance transfer V .08217% 29.99% $600.55 $14.81 $0.00 $0.00 $14.81 Total finance charges $219.39 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. X 0000001 FIS33335 C 3 000 Y 9 01 06112101 Page 1 of 1 08218 MAMA 06414 33510000030000541401 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: ---------------- State: -- Zip: Home Phone: --- --- ---- Work Phone: --- --- --_- E-mail Address: ____ -_ L 1010 mallon About Your Amount . ono Coll period for baMa Moslem, cash advances, check transactions. or overdraft Lai Of Billion Cards: Plum report your lost or stolen and immedusely by ailing the adwncea. In addilion, if them is a 'Qualifying Promotional Fbaminp section on this Cusbmar Service number found on the IroM of Your defemeM s statement , you will not lucu periodic ryrunmce cM Advisor an alwa es w par Ra i i S l th . y anablet0 assist you. You an reach an Advisor by pressing 0 alleryou order your somud % ry rra n ng a im at appear sin that section p you pay #* balance in full y the applicable Expiration Date To number. . avoid fiance chorgse on new mention whom your New Solana includes arty Remaining Cndlllag of Payments: For Drymerss by repubr U.S. mad, send at Wm=mum paymant dud to our post oftae boz dsipnated for payments miown on this Your a LL b Balance(s) in the Qua"ng Promotional Rancing section, pryyourull New Balance mina the total of those Remau inY lance s) by the date and date your paymma is Pon' However, ur statement show tl t i p ymen y maN mum mmpty wkh tho iatructioa on this ehtemeM, and mat be made M' chock or mosey order, D bat in U.S Ooln, ant drawn on or payabN Hughda U.S. finamoNl mstXUllon or dud U bench d o tango iinnclal insadkrm. Do not sen ash s r a m n Ian payment is dud, we mat receive at lad that V A%wm pa of by 8re dais and dud specified on your stations even it your New SoIS CPU any of Qualifying Promotional Financing balances. . Write youraaroue number on your checks many order. Paymarda mum be accompanied by tle paynem coupon in the emwlopa Dnoytded wlth our address *!his through the envelope wYldow the envelo e cannot mttok th For 'deferred interest' Quallylng Promotional Fencing, Ded°dc theme changes accrue during the prorrotbel parlod but aro not added to your account Imam. Indmd• they t f l p man an one aymeMormlpon: udthem an he a etpNe, paper dips, cope or mrmwpanance ineluMdwph your DMnmt If our e accumu a rom b11Yp cycle to b11Yp cycle. N a deferred kdeem 0ua PronatNml Financing b alance is M paid in full by the applicable Ekpi ut y Mgnrreaaeq?Dacem6er 25 h available to us on n h1:00om In l tm man will be added to your accourd as sow as the day ., M E?mkmbn Date. d 4M m y aa Mar poet eeym Yma n N o n ro e y r you default Under the terms of yore Gaidmembor emerl, the deferred finance u ' aorou ? a ? pa y m em (N b 7omrdana who mpg labuctgr a Put Is mad awiIs to us after 1:6g P.M. lam tsa at our Dom office box deported for payrrams on this matanem. wWIN crack it to your amount as of the nod day If you do rot folow mar payment B yy q ??? Financing that pemYb For'fixedpayme Qu youto payfof a Purchase in a distorted! amber of piYnrMS. you will net have a grain Period for that hoNnee as each ment i d io l frlm _ no payment is not sere by regular U s. mall to ma post once byaar ante mesa ants. crecift 1uw0a our urutopaymeart be lrntad telephoa?aervt Ce Customer ServNe nc es a Po pay u n d the inbred owed over the repayment term for that Dumhm' However, you wil have a grace period on other now purchases as described above. . advisors, or our web site will be slbiact to any promttaing times dNdaad for those BILLING RIGHTS 8UApAART pay" - la Cans ef ErIM or QuedteasAbaat Your Bill: If you think your bill is wrong, or0 you reed Accent latormarya Reported b Carol Imam We may report luformstion shod your account to credit bottom. Late payments, roasted prymmmu or ohm debuts on our molt information about a transaction on your bill, write Cardmamber Service on a sepen de sheet st P.O. Bud 15298 Wikslupon, DE tGM-MOO as soon as possible. We mum hoar y amount may be reflected in your credit report. If you think we lave reported humored information to a trade bureau, you may write to us at tit Csmdmambar Service address from you no later than 00 days after we seat you the find bill on which the amour or problem oppared. Yau an istephona ua, but doing an will not preserve your rights. In your laden li,W on your billing stabmem. pee m tie fopowinp kdormatW. Notice About Ebdrmc Check CWwwwon: When you provide a deck a payment. you authorise us Ober to use Information from your check to male a meema ebctronb fund • Your name and amount amber • The dollar amount d the uuperded error into r !-m your =moan Otte Pro= the payment as a check traaaotbn. When wo use into motion from your chalk to make an eNetmnc fed transfer, funds may be withdrawn , Describe theermraed aaleN,N you an, why you believe there is anew. If you need from your account as soon as the same day we receive your payment. and you will not more Information, dasmrNs iho you we mama about Xetn receive your check back fromyour financia inas4lion. Cal tho cmtomer service numheron this matemaM d you law questions about memrone check mlbcakin or do mat wand your - You do not have to pay any amount in question while we are inwmgatlno but you are sail ohipmed to pay the park of your mil that ma not in guestla. YYhle , Investigate your payments WlilleaydaM eledronialy. t icheck or ottw form send unt r lessedthen%fuN balanc d th k ' " o si tm o quemon. we cannot report you is delinquent or take action to collect tMyamount you authortned m question. ham mca?AOan you an slop thero sue ro rHCI?°Nmq amo mm l M a aV o gr e ue a mar ed paid in full or co t ins a s i rb no tation, r that you othervdse tender in fill satisfaction of a red amours, must be sent to Card Servaxa, P.O. Box 15098 Wilmington DE 1985oi0/8 W ll y a . p ry mou y u N wr n ou To stop be payment, your ?father Or ? ? (u moth ? at least miner Service addmem tab number Own on tlYe , , . s reserve a our rpMsnpudinq these payments (e.g., p X Is determined there is no valid dfoDUb or p anry soh shook N ? DaYmaM N edheAkNd to °mm. redeiwd at any other ad d to we may accW tie check coq y?ouu wHl sdl osa any mmmnNq balance). We may mehae te accept any such paymaM by roluming X te you, mot muWmlup k or destroyf ft. AN of r paymmeMS bat you main shops he sent Y tho aDpropriste 8paefef Rule let CMM Coed Purchaser if you haw a problem with the quality of goads or services that you purchased with a uedt card (mmludby Waaape made with a dock), and you how tried in good faith to maectthe problem wt>n the merchant you may not have paymaM rset Aasal Reamal NMI, Ifyour amount has an annual fa X will be biped each year or in to pay the remaining amount dud on tM Be Nes, You haw thin protection only when the Purchase Price was man tlrn 50 and the purchase was mode in your home state . moMhN iaNllnentc, whether or not you use your amount and you agree to Wy X when billed. Ths anuual fee is mn?Mu dable unlma you motXy qs that you wish to peso your or wNXN 100 m1a of your me11p address. Thews IYnYatba do not apply il we own or °Deude the marcMM, or If we melted you the advertisement for the property our services, amount within 30 days of the date we mall your ctatentunt m watch the anal lea is charged and at the sometime, you pay your outstanding balim in lard' Your payment d iho armed fee does not affect our ri hts t l o c g ose your amount and to limit your rfpm to may' transactions and your account. H your amount it ckaad by you or a, we will cantina to change the annual in WON you pay your outstanding belaace in full and terminate your =mud relationship. applpliable perbdk eta shahovnonntth We statemmY, smandec for adm feat (.gU Ie %w trandedromweraerxe chador and ash advance ducks I% =it 6anwclioni'), Duchaas , balance tnndera, cash advances. DrmimHonal baNnose of overdraft advanced). Please mnauNyour pNnemhor ins mat forthe fedures that are apps abN to your cud. Those - d kuMronsmay mmbined er a a d odag°rla with the same daily periodic eta. N there is ' ' a ll nab to a parfodk rate on this statement. the rate may vary, andthe Indax and muugqin used to determine tM a% and #a cemsepondmq APR am dm*W in r Cardnam6er A reeennt d T d ' g . as amen . e hem is a mlumum fkance elmrpa a bitl cgls in which You owe my pudab fiance changes and a transaction nerd char e r ea h bri , g c ne transfer ash adverse, or check transaction, in the anu uses dated in yaw Cardmember Agme est. as amended. To gib the daily balance for each day of the current billing cycle, we take the begimin7 balance for each idalua, add any new transactions or other debits (Inducing ties unpaid , fiance charges and other chaarrdgas?,'subtract any pa our craft, and make other adjustmenN. Tansectioa am oddd as of the OwmdNmk date the be innin bill N of th , g g p e cycb In which they as posted to your amomd, a a.Mv Me of our thole (steep thi c =k tnmmtions am added as d the data depaXed b the ee ou a ho d t f y p y r a er a a o our choke). Fsea are added either on the date of a related transaction , the data #I tre pasted 1. wm acmurd. m the 1.0 dud N er him-- Tw..e.?..- var. -_ i .._,____ csdd helane is tsaled as a hslance of zero. If a daily par-Wic rate a Plies to any lesions, for 1hnN dytwa than add them orloidaily de periodic char f oar Dubois fMaece clanger h ?If daffy Oarlock mill could apply band got oo Vp mango miy taw weawilf uasthe dthan ad p0A0xlodic rate tat applies for the average defy balance amount it the and of the billing cycle to aculam the daily periodic fiance charge each day) N this statement shows a previous cycle average it* bedroom for D sea, we do the sam thlug for each day ot tho Dsvba cycN to past the daily balance of purchoas for . the previous lufi g cycle. Flow , the daily bWnce ur previous billing cycle Purchasse Is considered to be zero for eta ay of iM previous billing cycle X a pedodc linow charge was akeady blled m puchases Numbed on your previous ..nt or we received payment of your New Balance on your previous statement in full by the ate and time your payment was due. To get you total Mic forms charge for a billing akin when a daily periodic redo(s) app , we add all of the daffy pedodc fiance cba for at featured. To determine an avaraa aiN heNna. we add wur daily behnnn .,,,:.r. ... _ __ a in the applicable y 1.1 -ran --all east a mese results by the number of Ya billing cycle(s), and then add all of the results together , the total wNJ to aged the Vyadodk finance dupes for the billing cycle, ant for mar variations dud to rouMrrnnmatpp.. To get your total periodic fiance car for a bNli rycle when a m?ontho mormdhy periodic rate and add the results mgmhu. Thetotd will l the penodc Genn chargea for the bilIN cycle, accept for minor varatio s due to rounding. 6rena "I (rd from t sew(: We accrue periodic finance ch m on paatrannsaatction, fee. recerNrdin W on ryoacmun. Howwever, we do mat cheadai p perriodic firma gh&rose on move yp?ommmbtrsstatement by the date and Um yra?ur payment 0 due and your Dam rBalance uof,y ur New Solana on your previous sstsmaa by the date and time your payment was dud. Thos MAD80306 Statement for account number: 5401 6830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $9,356.82 01/26107 $1,023.00 $2,285.82 Amount Enclosed $?? Now Make your cheek payable to Chase Card Services. New address or e-mail? Print on back. . 0% Tax time is here. Make your payment using your Chase credit card. For details visit www.chasepayyourtaxes.com. 540168301442919200228582009356820000001 03030 BFX 9 107 C DIANA L SUMMERS 5446 OXFORD DR MECHANICSBURG PA 17055-4452 IIIIIIIIIIIII VIII III II III II III 1111111 III II III VIII IIIIIIIIIII IuIIIIuIIIIunIIInIIIuInIIIuIIIIIuIIII IInIIIInIuIII I: 5000 L60 281: 209 30 L44 29 19 2 211' CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Opening/Closing Date: 12/02/06 - 01/01/07 CUSTOMER SERVICE 10 Payment Due Date: 01/26/07 Minimum Payment Due: $2,285.82 Espaff In 'fl 1-800-224-2984 ol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66301442 9192 1-302-594.8200 Previous Balance $9,044.38 Total Credit Line $8 500 ACCOUNT INQUIRIES Purchases, Cash, Debits +$78,00 Available Credit edit , P.O. Box 15298 Finance Charges +$234.48 Cash Access Line $1 700 Wilmington, DE 19850-5298 New Balance $g,356.82 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditca rds A late fee and over-limit fee are reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due and over-limit amounts, billed interest and the billed late and over-limit fees. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $0.00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $0.00 Rewards unavailable for redemption $7.57 Total earned this year $0.00 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 12/26 LATE FEE 12/03 39.00 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $6,950.42 $177.05 $0.00 $0 00 $177 05 Cash advances V .08217% 29.99% $1,637.53 $41.72 $0.00 . $0 00 . $41 72 Balance transfer V .08217% 29.99% $615.79 $15.69 $0.00 . $0.00 . $15.69 Total finance charges $234.46 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. X 0000001 F1933335 C 3 000 V 9 01 07/01101 Page 1 of 1 06218 MAMA 03030 00110000030000303001 Address Change Request • Please provide information below only if the address information on front is incorrect. Street Address: - ------ City: ---------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -?--_ Io Lost at i sc About Your Amount Lal or 81d ursue r en Cadr. Please report your km or sicken acct Immediately by calling the is no grace period for balance tolnmem, ash advances , check transactions, or owrdrtlt advances. In addition, N them is a "Oualifong Promotional Fiveslnp section on this Customer Service number found on the Inure of your statement. Advisors are abeays availeblem waist you. You an reesh an Adviser by pressing 0 aderyou enter yaw account stemmeM, you VAN met incur periodic finance ctsrges on any Remaiof Balance that appears in at section 1 you pay that balance in full bit' the applicable hpketlon Dtle. To number avoid finance charges on now purchases when your New Balance includes any Removing Collating of payments: For payments by rapular U.S. mil, and at least your minimum payment dusto ow post office box daigated for payments shown an this sMemK lour Baiwu*) inths OW%ng PromotioalFiarasng section, payyourful New Selarce mime thetoW oithoagennes k;ec &lae) by the date and tiro your payment is due. However, . payrtent by moll must campy with the instructions on this statement, and m? a made UU.S. Visual; or money order, paayyaabb in U.S. Dolan, and drawn pan or payable the financial Institution or the U. S. bench a a foreign finsncbi Inatilut:. Do not send ash. . that own = by 'hew arid ? specified on your statement, root" at your New Bakm anasts on of Du N fyinp promotional Rnarong bWrees. Write youraccourd number on your check or may order. Payment mug be accompanied by the payment coupon in the errvatopa Provided with our address visible thenuIpph the ""10pe wndovr the envelo e conn t t i For "deferred interests' Qualifying promotional Financing, periodic finance charges accrue during the PromoSpnl period but are not added to you amount balance, instead they lat c f b l , p u con a n aro than orepy? nI oraupon; acct thou an be no maples, paper dips, taps or conespondwta and win your payment. It your a cumu e rom i ling cycle to bbing cycle. If a deferred Interest OkagMtyyknqp Promotional Fnaaeie0 Marna'r rot paid n hl by Nte apatiabb &Dirmkn pW.1M dr)mnd fiance payment is in acccntarke with our payment instructiae and is made awibbleetodus on any d ice bom th temmAyvn Owgl aedlocal Ornis i ftotl DaYme on rr yf or n a y mtl a p rq m your su s dmges will be added to your account a eon a the first day after the EKPkVbn Dab. barms of die deterred finance dHega wll be addid to p u a m wo d th r c cum a o rt aym M l rs tr y m e M shier 1:011 p.m.bk, al time atom Powith am st Offim boz destatod for paaymmssoon this `statement ? in a n a s e oi doh dab ult. p yY d "build For Ossel promotion that p d i ? f n h m n u oryBnt C n we veil credit it to your account as Of the nod day. II you do not to lav our payment had no or 1 ou t N i es a number o payments, yo will but a s ea pa d f a a a each payment includes a portion of the interest owed ova the repayment term for that y r pymeI s ne ant by regular U.S. mail to our p0m oflce bar for payaymewnts, aedanB of your payment may be delayed for up to 5 daayyss msetrarlkaBy trough ourbutomtadtebphnro service Customer Son, Purchase. Howwer you will have a grace period on Other now purchases as described mrcw. , advisors, or our we site will be subject to any processing times diadosad for those BILLING RIGHTS SUMMARY psymenm. Is Cam of Beat or Duestloea About Your Nil: H you thnkyour bill is wmn g, or f you road Account Ilonstlies Reported to Credit lumps: We may report nformetion about your account to credf b L t more information about a transaction on your bit, write Cardmember Service on a separate DE Tour OO a soon as sheet at P.O. Bou 15299 Wlsnnglon ossibl W t h ursas a e payment, missed payments w other detaufs pan your aow d b A , e. e mus em p u may e re stded in your credit report. It you think we hove reported basement intomation ro a credo bureau, you my write to W at the CaMmembw Service address IoM on your billing statement. hum you no latertben 80 days after we sent you the firm bill on which the ear or problem pared. You an Wephona eta but doing se will not preserve your fiches In your biter p1w i the toke 1.0 thin ion. Notice About Electronic Check Comrsfon, When you provide a check as beloved, you au8adm in offer to use information from your check to tutu a one-time electronic fund • Your name and account number • The dollar amount of the suspected emor tl*AsW! am you account or to procm the payment be a ohm*traaambn. When we use intommion from your chock to make an ebctrunc fund transfer fads may be withdrawn . Describe the error and explain, B you an, why you behew there is an error. If you need more Informati d 0 from your account as tan is the sarro day wa rocehs your payment, and you vela rM on, am e the hem you are won about recent vyoowel ack backfrom yow financial institution. Cal the customer service nwnbor% thia aWenient N you hew questions abed elemronc check collectio n or do not ward o You do net have to pay airy amum in question while we am inwehp 9. bid you an mill obligated to pay the pmts of your bill that am not In puatbn Wh we Investi ate y ur payment Mike M electronically. Cadllbhel Payaenb A nt h . g your question, we cannot report you as delinquent or take action to collect the amount you question. If l u s lk l : ny payme c eck or offer tom of payment that you and us for lose than the Nil balance des UW is marked "paid in full' or amiss a similar notation, or the ou otherwis te d i f l omia a ? ? p Tomt on any am ou ly u think is ?ngr account ? can To slop the payment you letter "call (umn thefsrdme b l? S b t l y e n er n ul satisfaction DIE bpa?laOOUbd reserve iM au?i he1M to Cant -5041 Sences, P.O. Ba 15019, Wkn'u 9?. We rip ropaN i , l m m env ar ors or e epMa number maven on tNs shWrgrd) mum react a at lust tluee balroa days broom the g then payment (seg., f it is determined there Is no valid die" or If ay smh check to automatic payment is sdaduM to occur. received at any odor adRess, we my the the check ant yyoou will atlf we any mmaninpp balance). We may refuse to accept any Ouch pa rreM b Mu l f to 8pedel R9b lot Credit Cold Pmtham: It you haw a problem with the quality of goods or EeAviceB that u purchased with a cr d dit l d y y m rg you. not ashnoo 1 or deatroying IL AI other payments that you make should be ant to the aPproprlata r an (esc e u np purchae ma with a check) . and you low rod In good faith to camect to problem with the members you my not haw , toywnt Mdws. , to pay the remaining amours due on the ponds or services. You have thb protection only Asnael Rooa m[ NOUN: N your account has in annual fee, it will be billed each year or In month N IatalmMs, whether or nit you ue your aaoYM, and you ayme to pay H when billed. The usf fee fa nontdudWb unless ou tff mat when the purctpa price was more than B5g and the purchase wine mice in your home state °r wihn 100 meta o1 your meting tldras. Tfese Iknfmba do at appN 1 we own or accents the merchant, or H we ailed you the advertisement for the property or services y no y a you wish to dos your acanrR wNhln 311 days of Me ate we wit your sWemend on which the annual in is . =and at the sametiw, you pay your outatandirg balance In full. Your ea nut of the annW ice des not a feet ow, rbhte m dose ytur account and to limit your nom to make transactions on your account. yaw account is closed byy you or us, we will continue to charge the amid in uMl you Day your ouhnnlaIV belaMe in full and teminam your account relationship. Elgtaatbs tl Flsaoa Ckarp s: We cakuleta parodic flacon charges, usingy the appbeable pwbdo mice shown on tide materroM feparatey for each letluro (o bela .g., m tnmledwffMi hee decks and ash advance checks ('check transaction'). purchase. balance ten fore. cub ndvertese, promoik w pdancea or ovendnlt advances). Pleas aiultyyoouurCaNmemberAdwmers for the lemma that am btoycurcard These akWtlons wy combined iferers ct"oda wfh the sew ch y penodc rams. N them is Z V bdk rate on the, sktemeM, that rate my wry andthe lMuc and mmuugqin used IN= the rule and a corresponding APR am desalted in r Carchn r Agmemerd, as wounded. Thera Is a mnknun finance carpe n anryy bill cycle in which you aro ant PKIO* Mane chageA scat a transaction (Wane dnrga r each balance transfer, ash adwna, or check innsacNon, in the amount stated in your Grdmember Agreement, a amended. To get the daily balance for each day of the crsrenl billing cycle, we take the beginnn beMce, for each faun, add any row transactions; or other deb8s (Including lea unpaid adjustment. Tnow"n aro atrfkdodd a of Me ten ktonn G1e, the beginning of the billing finrrce ""go' and other earoasubtract aypaynnots ur crolate, and rtnis other e in wltldt itsY aro paled m yaw aoccuM. or a lebr rime d our cheke that c it innarestienc re added as of the dste depaied by 1M payee or a lamer date(eaaq d our choke). Fees aro added ether on the aI d a reWed i nnsactkn. the ate they use poste0 to yaw account, ur des bet dry d the biting cede. This glow us that days sly balancs. A but a- b twtaites a be thed zero. R a duly credit A Dwi Me apply to any fa urs we arlpy ate airy belance W the duly periodic nI to qm your periodic frame darges for ihtl day. We them ala1 tbea P_. fiance cherga to yaw daisy bafame to get tie b man ens M a p Wroe fur the reed in day. N ors then aro tlmy beroolc ram could apply paced dory batance .. beat the and rui m toil a aiy petktlk mete thet applies for the average imp cycle to caculate the daily periodic bounce chuaggse each day.) If this statement ohm a previous cycle average daisy balance for pwdases, we do the "me thkp for each =the the previous cycle to pd the daily balance of purcMea for the previous filling cycle. However the daily lamas for previous billing cycle purchases Is aaidsmd to be zero for each day of the previous billing cycle f a Porkdic Marks darpa was akeady? Bled on purchases iefnbad on your previous statement ur we rocehrod payment of your New Saturn on your previous statement in full by the ale ant time your payment was di. To pst yaw tool pufodk flnanee charge for a dlkg cycle when a deity pehome rent(s) opplW, we add ai of the daft' parMk Ilronce charpa for ai faoses. To datermium an average aiy bebna, we add yow aiy b== and d,ia by she numh.r Mm. nn. un Gras period (at Intl 20 ): We accrue periodic finance charges on or finance charge from the dab it is added to your daily balance until i reeewstl W Wyour account. HOWewr, we a not Clangs periodic fiance purchases bilod during a filing cycle a we nkW both payment of mi new .on yaw previous statement by the date and time your paywrd vitas due. MA080300 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $9,676.36 02/26/07 $1,429.00 $3,022.36 Make your check payable to Chase Card 9arvlua. Amount Enclosed $ New addressor e-mail l to on beck. 540168301442919200302236009676360000008 01718 BEX 9 03207 C DIANA L SUMMERS 5446 OXFORD DR MECHANICSBURG PA 170554452 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L60 281: 209 30 i44 29 i9 2 2110 Opening/Closing Date: 01102/07 - 02/01/07 CUSTOMER SERVICE Payment Due Date: 02/26/07 In U.S. 1-800-224-2984 Minimum Payment Due: $3,022.36 EspaAol 1-888.4463308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 540168301442 9192 1302-594-8200 Previous Balance $9,356.82 Total Credit Line $8 500 ACCOUNT INQUIRIES Payment, Credits $0.98 Available Credit , P.O. Box 15298 Purchases, Cash, Debits +$78.00 Cash Access Line $1,700 Wilmington, DE 19850 5298 Finance Charges +$242.52 Available for Cash $0 PAYMENT ADDRESS New Balance $9,676.36 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditcards A late fee and over-limit fee are reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due and over-limit amounts, billed interest and the billed late and over4imit fees. You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302594-8200) today. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $0.00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $0.00 Rewards unavailable for redemption $7,57 Total earned this year $0,00 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/02 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $7,209.16 $183.64 $0.00 $0.00 $183.64 Cash advances V .08217% 29.99% $1,679.77 $42.79 $0.00 $0.00 $42.79 Balance transfer V.08217% 29.99% $631.68 $16.09 $0.00 $0.00 $16.09 Total finance charges $242.52 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. i Tax time is here. Make your payment using your Chase credit card. For details visit www.chasepayyourtaxes.com. III gill I III I I III IN oil II III 16 II U 1161111 I1161I16u III I II III X 0000001 FIS33335 C 3 000 y 9 01 07/02101 Peg. 1 of 1 08218 MAMA 01718 03210000030000171801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------_ City: ---------------- State: -- L p. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: - L Information About Your Amount Lop or Swiss Cards: Plow "port your lost or stolen cud immedatey by pllin?qp the Cusbmer Service number food on the frord of your dsemerd. Advlcon ern ahvays available to Neat YOU. You can reach an Advisor by pressing 0 after you enter your account Manus,. U.S. mat, and at West your minimum symmte shown on this stemmed. Your is on this statement and mat be made ma down on or 0Yabb thmugh a U.S. financial Inafdual. coo cot send ash r order. Py w mgt be weempmtad I wAh our addrm visible through the m than one counted or coured. and fieaie Y 1:1411 V.m. Will ow at our pat offla box du we will crest we p ="d to your account m at tce wlh our aye Ions. but Is made aw ow pop OHIO lea designated for payments on this aunt as of the nod dry. If you do mt follow a mud is not ado by re0mdar U.S. resit to our Dog or our web sere will be subject to my Accauo IabmaDa Repoded In CWWI Renee: We may report Wormtlion about your account to credit bureau. Late paymmm, rriaad Jousts m other debt& on your account may ba reflected in your oral roast. If you tNrt we tax reported inamorata irtormatlm to a craft bureau, you may write to us at the Cirdmember Sainte addm NOW on your billing statement Notice About Electronic Check Comwrsfon: When you provide a cock us parried , you aufitorke us @Mlar to use Information from yaw check to mob a one-time elecroniefund iraegH from yew aceoUld or to prow the p"werd as a diedd transaction. When we as irfamatian from your check to make an electronic fund transfer, fulls may be withdrawn from your account as soon as the same dry we ncdte your payment and you mu not ,stew yourcMdc backfrom yourfindual IMhdion. GI the cuawmer sarvliol numberon this patameM H you owe gnealIons about electronic cock collection or do not ward your payrrsos cc] .1 many Coofillanal Pwgents: Any pa wOM cock or otor tom of paymem that yyopuu add a for lea ton the I balancedue the b marbd'pad in lull' or comai s a amilar notation, or that you otherwise tender In full s ti than dad ,moult, must be ant to Gird Servcm, P.O. Box 15019, Wilmin n, DE 18850.5099. We rearm all ow ripMa re0ardkWp them payments (e.g., N R Is determined there Is no valid dispute or H ay such cheek la malved at my other address, we my accept the check ant you will sill awe any remaining bounce). Vie may rehss to accept any such Payment by,Nanning fi w you, not rhNy A pr noyi rap H. AI otr payments fist you male sods o am hD t approD.nate Aural Renewal Nsbe: If your account has an annual fes, it will be bast each year or in moods WlalaamerM, whether or not you wo your amum, ant you agree to pay it when billed. a annual Ise is con-raRenchi urWba you nosy us th you wish to came aceoud whin 30 days of t saw vas mail your stltllnant on which the mated fns is ended sef oddoeest not affect our rrolghtss to a?bra your aa?unntt and to umf t your ng rM M make transactions on your d:coun. If your accost is clod by you or W, we will amnue to chug. the annual fee until you pay your outstanding Ipe in rut and terminate your baud relatbnahlp. El"allon of Flamm Charges: We calculi& periodic fire= charges, udnnpp the a0plcebb pabdb rates sham on this shoserm tt, separably for each baturo e.g., batanae lnneleJcomwerderce checks as cash advance checks ('check tramaction4, ounhasa. bounce uawfen, am advances. promotional balmoso or overdraft a *um). Plasa oo yyour Cardmember=rd fwthe =I tt are applicable to yourard. Them abtatlone may combined area categoric wNh the sane day periodic riles. If dare is a'Y'nud taaparbdlo rate on this datemest. that rate may wry ddthe index and mary in used te ddermina that rate as Its cmrmgxuUJ g APR an described in your Gudme 1 Agmerrwd, a amended. Then is a mini nun Oman charge in a% burp cycle in which you owe any periodic finance changes, as a transaction fhance charge for each balance transfer, ash advance, or check transaction. in the mWOUms stated in your Girdmmlber Agranam. N ameaa. To gd the daily bpuce for each day of the current filling cycle, we take the begimin balance for each feature, add any new transactions or offer dente (including fees, unpaid finance chic n as other corpes , submad any paymmh ot treats, as maim other adjustments. Tronea5oa an addeydo a of t trmeedbn date, the beginning of the NO n mp %.*k tnnaactwhich toy an posted not t tlHeusrlaomed by the avauor a had dam of our checions an added d a a no grew period for Mane transfers, cash advances, check transactions, or overdraft advances. In addition, it there is a 'Qualifying promotional Fnawinp' section on this statement you will not incur Periodic finance m yes on any RerroQning Balance that appall in that section tl you pay cast balance in full by the applicable Expiration Dow. To avoid fine= charges on now purchases when your Now BWcer, includes any Rernning Salamis) in the Outlaying promotional = the dian, pay your full Ndw Balance minus the total of dame ftemansq BW,era(s) by the data andfime your payment is due. However, =m ewhmad shows NsI a Min Lan Doan is der, we must nceM at lead that um paymad by the dew g tinmm specified oo you daWmK awn it your New BalanO conanats any d OueYlyin9 Promotional Fksneinp balancse. For 'ddsned interest' Ouellyion promotional Financing periodic finsom charges mcne during the promotional period but an not added to your account balance. Inalead they acumulde from filling cycle to bMYq yeb. N a dolern l boards Oa promotional Financing balance Is not paid in fad by the mailable Fxpiragm Date. t delernd fierce ch"' win be added to Yom accouo a soon a the firs day alb, the S5?mMbn ode. Further, B you delmtl under tlr terns d your fAOmember AAppeeanaM, t dalema fiance efvped xl ba added w your acoouat es soon as we date ofdehuft For 'Used ppaayymmed' Come Yq Promollapl Financing flat Dmd1s you no pay for a purchase in a dodo nata number of DIV - you will not have m pea Dubs our tt W WWa is each payment includes a n of yo inbred owed fiver the rapaYmerd term for that hate. However. you will have a tgrreace period on other new pwehaec as described above. BILLING RIGHT3 SUMMARY la Cass of 6rors or Oaalba AbW Year BIII: H youthnk your bit is wrong, or i you need room bdormatlbn about a tmodim on your bit, wdta Girdmbmber Service on a separate sheet at P.O. Bic 15290 Wilmi glon, DE 1 9 igMf130 as scan as paelala. We must hear from you co later than 00 drys after we saM you the 1ks bit on which the am or problem apparts. You can lstegcm us, but doing a will not preserve your rights. In yaw letter, cave ue t fdk)wnp ioornstim. • Your name and acouo number • The dollar award d the aepected annr • Describe the error =41n l you can, why you bebve there is an am. H you road more information. ts fiem you are unsure about. You do not have to pay any meum in question while we am inxdq. but you are mil obligated to pay the pub of your bit that wend In evasion. Whit we lmasOpde your question, weY contact ou report you is dslkxlwd or like action to censor the amount you question. Ifchecanpxaao subsided YOU pntab 3wrow credit ca ?,IuMmolplNMcb riceyour = T p?yme yo To mwD theor y paYrao, your?IW )mll?(ugroo us d heart three aarder days, the Wrdm wadna orbekre to number shown on tla automatic primmt is acherWled fo oats. SMobll Rde our Credit Card Paroban: H you have a problem with the guelly, d goods or services that you purchased with a wend card (axdudnp purchases made with a check), and you haw tried in good,taith to comeatt problem w the merchant, you my not hex to pay the rmWnbg amount due on t od, or services. You have thus protection only when the Purohsaa Prke war me to B5D ant the purchase was mdse in yaw home date or wlhit 109 %V. your mallmg adresm. These limitations do not apply 1 we own or operate the mer d we m.Aa you the advertisement our the property or senbioa. M alI We then add t? ppeerioddic finance haztto jaw deny ?lu?iaa u get th e e ag 6abrce Fertile neat day. ((If more then one say periodic rate mid apply based on cis dwWapa ddy bafuxw , we w11f use the hairy periodic rata nW epgl« forth average dory balance amount at t and d t 6ililnp cyek te pbulete the dopy perbdb finance chdpe each sty.) d thus atatemmt slow a pnnioua ycu average ddy as our p ea, wb do saaly dam dry otiM Devious ryclawpatthadeiI balance d purohres for the ___ bamp cycle. Hoaaver, t duib baance our Vynwous blhmg to meth -0. Is purdWaas he cenalMa to as zee for ach dry of the p ar revious bAlmg cyclla fi a perbdo 'ewes one dom nit wN er ce. yurohsses Moira on your previous h'the.a and, ime or payment tea den. atathe of or ame repiva paymeu d your New Balaraw on your P.. to. in fdl To pp your towl pmak Im. marye tor. billing cycle when a ddy Periodic rte(s) upplW, we .rid al of thaw holy periodic Nnana clurpee for all fedura. To determine an average dervy bata es, we add frour deity boraces and chide by the number of the days in the.PDlfabw bflhng cycle(s). If you multiply the awnsyya it* balance for each feature by the weplvable daily periodic rue, ant then Moo ease of these months by the number of days in ON applicable billing cycle(s), and then aad&d1 all of the results together, the total will .la equal the pedak finance charges for the billing a^ except for minor variations due to too c . o pet yaw total periodic Flaws dude our a bgbnp cycle when a momh periods rde(s1 applies, muMpythe average day MfirWCe for ?h fauun by fne.DDllab% moohy were rate and add the rauM topethet The owl vin equal the periodic finance Who for the billing cycle. except for minor variations due to rounding. 6rw Period (s Imat m ): We accrue periodic fa vae charges on a trans lion, fee, rrwow oon YrYour from ac ncopunt bHonwsm,, ? mt drrge periodic finax? sham in full is on new Purchaser ur cumnt stabn* p byt Mto cycle andithnwe waive both e your payment ddui a Oa,fib prymeor W Cur Nava Balance on your previousdatemeM by the date as time your payment was der. T re MADN306 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $9,980.52 03126/07 $1,846.00 $3,729.52 eke your cheek payable to Chase Card Services. Amount Enclosed N $ JI New address or e-mail Print on back. 0% Tax time is here. Make your pa ment using your Chase credit card. For details visit www.chasepayyourtaxes.com. 540168301442919200372952009980520000000 32513 BEx Z 05007 C DIANA L SUMMERS 5446 OXFORD DR MECHANICSBURG PA 17055-4452 ?Illiiil ill illil it lit li illli lit ll liili lit lli ll lilil lllilliilli 1: 5000 160 281: 209 30 144 29 i9 2 21Is CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Opening/Closing Date: 02/02107 - 03/01/07 CUSTOMER SERVICE Payment Due Date: 03/26/07 In U.S. 1-800-224-2984 s Minimum Payment Due: $3,729.52 Espaflol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66391442 9192 1-302-594-8200 Previous Balance $9,676.38 Total Credit Line 500 $8 ACCOUNT INQUIRIES Purchases, Cash, Debits +$78.00 Available Credit . $0 15298 Finance Charges +$226.16 Cash Access Line $1,700 , DE 19850.5298 Wilmington, n Wilmington, DE New Balance $9,980.52 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www,chase.com/creditcard s A late fee and over-limit fee are reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due and over4imit amounts, billed interest and the billed late and over-limit fees. It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $0,00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Forfeited this period $7,57 Remaining balance $0.00 Total earned this year $0.00 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02/26 LATE FEE 39.00 02102 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $7,461.33 $171.67 $0.00 $0.00 $171.67 Cash advances V .08217% 29.99% $1,720.96 $39.60 $0.00 $0.00 $39.60 Balance transfer V .08217% 29.99% $647.16 $14.89 $0.00 $0.00 $14.89 Total finance charges $226.16 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other Important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including - new purchases Method (purchases dally balance times purchases daily rate each day only in the current cycle). This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 01 07103101 Pao. 1 of 1 08218 MAMA 32513 08010000030003251301 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ----------_--------_ City: ---------------- State: -- L p' ----- Home Phone: --- --- ---_ Work Phone: E-mail Address: L Information About Year Account Lott or Slolan GMs: Please report your lost a stolen card immediately by albrngg the Cusfomor Service rumba fount on the from of your statement. Advisors am atvwYa avdlable to assist you. You an much m Adviser by pressing 0 after you order you accoud number. Crediting at payments For payments by rpular U.S. mail, sad of lust your miremum payment do to our Pont office bar designated for payments shown w the slatemeM. Your Qaymernc by mail mat amp" wish the Inabudfons on this •tairment, and must be made x uenmbar 25 by 1:OD .m. Iwat time at our post chke box do 11 .. fj neM Is In des wRh omf!t th sit inbuclbc bM?mde avmb o rdance bla p.m. Iwat tine at our pool offin box desIpntd fa DayrrrMe on this sits rdlt it to your dcoLed an of the rood Say. Nyou do not follow our or ns or I your paynbm is not ant by reguhr U.S. stall to our post oflk d for pxymcob. it of your payment may be delayed for up In 5 mea abctronlaNY throupll our autanabd tklphen service, Customer or our web site wig be ewlecl fo any Pro cessing times disclosed for Amount Wamaita Repadad le Credit Bureaot We may report Mormetlnn about your aaoust to aedN humus LOU payrnerdB, miwed paymoms or other defaults oo your located may be reflected in your credt report. N you 1NNC we hew reported us ccumme information to a ore& bureau, you my write to is at the 8ardmember Service address listed on your biting atabmeM. Notice About Electronic Check Conversion: When you provide a check as payment , you authorize us either to era IMOmubn from your check to make a on"me electronicfund !ranua -you account or to process the payment as a one& transaction. W rim we use information from your check to make an electronic fund trenster, funds may be withdrawn from. your account as abet as the -bfne dry we meets your payment, ad you ell wt ncew yyooerr chedd beckhom you fimrclal institution. Cal the cusfomer service nunberon this stuenentddH you hew gusem about okedror ic check coleoton a do wt word your payments wlb ekatroniuiy. Gaditloroi paypeat:Any payment check or other form of payment thi you antl us for lea tin 1M lull bWax due 9M is marked -paid in full- or contains a simihr notuion, or that you oHwrwia tender In full suisfadfon d a disputed amount, must be sent to GM Sernca, P.0. Box 15049, Welmi gton DE 19850,5099. We reserve at our rights repaid these paymman (e.g., I it is detrMned then Is rub wild dispute or I any aw eMek N received at arty oherdAas, we may accept the check ad you will suit on arty remaining balarae). We may refuse to accept any such Payment by mrhrntnp It to you, fat coshing g own dust gR At other paymenm that you =]in ehwid be sent n the appro prot Ana0el Remael Notice: 0 your account his an annual tea, a will be billed each year or in ram InelaHmeMS, whether or not you on your account, and you agree to pry it when tilled. a annul Iea is non-refundable unlem you nutty us that you wish to cha your account within 30 days of the date we mail your atabmant w watch the stood too is nual fee does not &tied our rf?IdDagaytockte your urn ad fo Imiryow of the an rgM fo meatus transactions on your amid. 1(yote aer is closed by you or us, we will wmna to hho pth?b?pes unit you pay your oubdanding be rice in fdl and terminate your acc ape ?N periddic ra!s onathisiWec eunl wparmtd?ic yfor eaach feaNrfe?e.q using abn? ender/co =@ sheds ad trander/co advance chicks ('check tnnaMi 4 Punch 7 balance tnMten. cull adwnees, promotional hekmet or overdraft advances). Pben corcultyourCardmemberApmomentlathe batureethtl are aPPilabN fo yourard Then calculations may combine dNNlleren ateporker with the safes dai ly periodic rates. If these is aN' next to a periodic me on this shimmed. that rote may wry ant the Index fall rqin used to atomise that ret and its cotresppdkp APR am descrihd in your Cardmemoer Agreement, as amended Them Is a midmun tsnce charge X% ?aaor yeach le bat ich you awe cony Derledic finance charges. and a ".We fir f treesfer, ooh advuae, or check iremactkex, in the amount mated in vote cardmember Agreement, as amended. To pet Imo daily belmoir for earth day of the current billing cycle, we take the begincby balance for each feature add any new transactions or other deblts (Including lees, mind finance charges and other eMrpea , subtract any paymeMS or cradle, ad rake other adjustment. TnnacSors am added as of the transaction dean, 11m beginning of the biting cede In which they use pored to year account, or a later date d our cMkx (except that cheek trenesctiwe are tided n of the dais deposited by the payer or a beer date of our la no gran period for balance tmnsfem, ant advances, check tnraactioa, or owrdralt advances. In addition. H then is a •Oultying Promotional Fkurcirnpp- section on fris stetemor, , you will not incur periodic furnace cieoo any Remelnlnp Baia. that appear m at sedan I you pay that behrae infull by 1M applicable Wirstbn Date. To avoid 1lrouce charges on new Purchases when your New amarps includes arty Removing Babna(s) in the ng Promotional Fooming aestnorl pay your full New Balance mnus the tool of Hose=ino Belma(a) bythe dab ad time your payment b dn. Howenr, I your $Wlff e d ehews ihI a min um payment is dn, we mum receive at bast th d m mum payment by the due and time specifted an your matemerd, even 9 your New 881111ea win m" of gakfykq Pronatbml Financing balances. For -dehnd IMN d- OuaWyifg Promotional Financing, periodic bronco charges accrue dome; the pro xi not period but are not added to your account balm?ryyesermoplnstad they accumulate faint Fimwvp balance is moo paid inful by y the applicable "Tration Date, N.Varrpromotional ed fimme darpas will be added to your account as Boon as the 1 at day after the 65??katbn Date. WrIM, B you default u derthe terms of your GMmember Agreement, ire defertdfirena charges WipI be added to your aawM an soon as the dab of default pre n aydWpafed rumhar of - Promotional yo wYlr tuw hayeapkMfofur thfor at MNriau each payment includes a n d the interest owed seer the repaymoM term for that oho hase . Nowewt you will have a grace Perked on other new purdfmen as described BILLING RIGHTS SUMMARY In Use at Erma or Guadiana Abou Your BIN: H youthlakyour bit is wrong, or I you reed more kf nadw about a transaction on yyoouur Mil, wriest CaMmember sermon on a separate sheet at P.O. Box 15299 WlkMngton, DE 11/503298 anon as P It We must Mar from you no leterthse BO days after we ant you the first to an which the error or problem a eared. You an ttphane us, but doing so will not preserve your rights. In Yom War, give use the fplbwkg irdametion. • Your name ad account number • The dollar amount of the amspeded error • Despite the error and explain, I you dart why you behave there is an errs. H you need more information. describe the hem you are unsure about You do not haw to pay any smuu d in question while we am Invest' tiny, but you are mil obligated to pay the put of your ess bit the are not In quesill Wile we inwstlpab your quMion. I youuhhave a riled l to paDP yyopur ccrreeOit aaction nt bill ututrrommpilkal a from your T map the payment, year Mleradll using the Grdmmt 9eMro ddrea?mtelephore number shown on tlia stbntmnt) cornet reach ue at tau three busirea days burere iM automatic payment le scheduled b occur. Special Raft for Credit Cold PsclWat H you have a pmblem with the putty of goads or services that you Purchased with a credit and (exciudfoy purchases made with a dmk), ad you hew tried Ingood tab to correct the problem v. the merchant. you may riot haw to pay the remaining amount due on the goods or services You hew that protection only whenthe purrAen pdawes morethan S5G ad the purchase was made in yaw home none or in 100 mla d your maenp address. Then IknMbro do not apply I we own or operste the meroMnl, or If we marled you the advertisement for the property or services. dairy balance amotim at the and of the bttq c'ycte to akuone the Auy pato9ic Nmrce charge each day.) I thin statement sheave a previous cycle average tlwy balance for puro we do the name thug for each ckrythe previous c to ilet the daily balm min of Pmh o for the pnvbw bhikg cycb. Fbwevec the daiy arcs for pmwous billing cycle purchases is considered to be zero for each day of the pmwous billing cycle it a =1:11 nce dfrorge wes abeady billed on yyumhases kemked on your previous e rented paymerel of your New Belam on your prewous statement in full by the dab ad time your payment was des. TO yst vote total Periodic finedb charge for a billing cycle when a daiy perbdc rat(s) applies. we add at of the daily peridk fiance chagu for all featuna. T. datamins an amap d kiy balance, we add coo daily babnm antl mwde M the number M tha dsm i• charges for the billing cycle, accept for miser variations due to rounding. Gren Mold (at tau 20dadyaa): We occres periodic fiance ctauges on atyynmmmadion, fee charge warns on rut account. limmg . added not harge periiodiooryrandn pa? " 60 ce charges on now pumMen?d staatement by 9ne due A immee your ppayment Is nndd i? paayymeent of yaour ur cu duo raw Balance on your Drovfow abtemordby the date and time your payment was des. Them MA080308 Statement for account number: 54016830 1442 9192 New Balance Payment Due Date Past Due Amount Minimum Payment $10,277.15 04/26/07 $2,249.00 $4,425.15 e Amount Enclosed Make your cheek payable to Chose Card Services. $ New address or e-mail? Print on back. 540168301442919200442515010277150000007 341" SEX Z 09107 C luflllriulnlduinllurlrlruriirlrlnrllnlrinrllullul DIANA ANA L L SUMMERS 5446 OXFORD DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4452 PO BOX 15153 WILMINGTON DE 19686-5153 1u1111uflllrulirlnlrlulnlrluldriurlrlllnlrlluludl 1: 5000 i60 2B1: 209 30 i44 29 i9 2 21" Opening/Closing Date: 03102107 - 0001107 CUSTOMER SERVICE Payment Due Date: Minimum Payment Due: 04/26/07 In U.S. 1-800-224-2984 $4 425 15 e , . Espaflol 1-888-446-3308 TDD 1-800-955.8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 1-302-594-8200 Previous Balance $9,980.52 Total Credit Line 500 ACCOUNT INQUIRIES $8 Purchases, Cash, Debits +$39,00 Available Credit , 15298 Finance Charges +$257,63 Cash Access Line , DE 19850-5298 Wilmington, n Wilmington, DE $1,700 New Balance $10,277,15 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/crediteards A late fee is reflected on this billing statement. Your minimum payment reflects 1% of your statement balance, plus any past-dus amount, billed interest, and the billed late fee. You haven4 made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302594-8200) so that we can find a solution for your situa0on. BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Previous rewards balance $0,00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $0.00 Total earned this year $0.00 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/26 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $7,687.12 $195.82 $0.00 $0.00 $195.82 Cash advances V .08217% 29.99% $1,763.18 $44.92 $0.00 $0.00 $44.92 Balance transfer V.08217% 29.99% $663.04 $16.89 $0.00 $0.00 $16.89 Total finance charges $257.63 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N 2 01 07/04/01 Pape 1 of 1 06218 MA MA 34144 09110000030003414401 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------ City: ---------------- State: -- Zip: ----- Home Phone: --- --- -- Work Phone: --- -- E-mail Address: L Imomalloo About Your Account Lost or Skma Bads. Please report your lost or stolen cud Immediately by Calling the Cubmer Service number found on the from of your atAllam" . Advisors an aWays availableto a.eM you. You an mach an Advisor by Pressing 0 afteryouenter you account number. Credillig d Peyiads: For payments by rrlar U.S. mail, send at MW your minimum payment due to our post office box designated fa payments shown on this slabmard. Your pa=nts by mall mull campy wXh the irmtrudiorc on this sts amem, and mut be made eY check or many order, p blein U.S,Ibhrs, eM drawn on ear Wp?yahs through o U.S. finhcM want ioo p me U. bisrch of s foreign Ilmnoul IretllhAbn. Do not send ash. paymem sxomaa wan our Payment nrtructhons end s made available to u oat any day 0:; (ymm?aD?eamMu 25 by 1we will credit the :00 .m. local time at our pod oaks box an Payments on, this R plWrated for aXar l:BD p.ln Islocdt? nor With ou?peymNlt imbios, bit IsmmOdetawlubb mu we wit aedd it to your aaoud a of the nod day. It you do not follow our Payment InstmcROns or N your payment Is not said by regular U.S. null to lour pop ofte box designated fix PaYmmps ands ii=.IY V cracking gh of your out hi tled telephone service, Pa bmto its er 6ervke edvsore, or our web site will be subject to any processing times i' ad for thca peftnmft Ascent Ipomata RePOrbd to Cmdll Bori me We may report Morwtinn about your account to credit bureau. Late pate anft, mfaed Paymans or odor dehuto on your ids encCountistinV ? in your credit apart. N you oink van hew reported hhaccorate You may wroth to is at the Ardmember Service address listed en your billing statement. Notice About Electronic Check Anvindon: When you Provide a check a payment, you authorize in enter bur imormpbn from you check to male a oM•thne electronic fund tender from yew account a to in the payment as a checktranantbn When we w imomMbn from your check to make an electronic bend lea der, funds may be withdrawn from your Account as soon as the name day we reriw your Payment, and you wall not race yourdsck bmkfrom you fimnoM institution. Cap the customer wvfm number an thea=nod N you have questions about electronic check Collection or do not wart your Z= nod ekclroolaly. CoudXbmf P oteeh: Any paymem cheek or other form of Payment that you sad a for lea than the I bab m di that b maded'pad in full' w Contain a similar rotpbn, or the you hHhenNCe tmWr in full satisfaction of o disputed would. mud be UM to Card yaw sdmets, we may Accept the Chad TyAI Mb PaYnems soups ary ouch Pau me paymentto that ml NOUN: If You account has an annual fee, it will be billed each year or in ilmens, whsthar or not you user your. Account and you agree to N When mud fee is non-rebmdable umkas Wou reply u hap you wsh to don your in 30 days d the dab we mall War aMenM an wmeh the amid be In at the asretimhm You pay your outstanding balance in full Y=4.- d the es not affect our rights to close your account and to limit b Mato on r account. If you account in cloasd J you or i, we will ooMini to mul it uhd7 you pay Your oulstendng lea ace in futl and terminate your Etglemlbl Of Rnaass 6bargas: We calculate periodic fierce charges, US11 the applicable periodic rate shown on this pdenrerd, sepameylor aAch hotun (`e.p oauamke tohsledwrwrilce checks and ash advance checks ('check uameaclbn'), L.Inam, balance taunters, dash advances, praetkrsl balema or overdraft adwnoes). Pear ?m?ltyyaourAmmamber Aomemend forth leduresmd en Applicable to you am. Thee CIA ons ray combined emend Categories with the same daily periodic rata. N there is u ed and to apeMdk rate on this sMenieM, the raft mmy wry. andth kdoc srd rmrWn used b determine the race and he corresponding APR am described in your Cudmanber Agreement, as emended. Than is a minimum Ravines chi b a hfing ryeb in which you cow ant periodic fiance ohs". and a tremction Rance charge for each beam transfer, ash advance, or cheek transaction, in the amounts shed in you Ardmemher Agmement, as amended. To gat the daily balaw for each day of the current filling cycle, we take the begim'mmpQ baMce fa each feature , add any new transactions or other debits (including fro, ipald finance chases and other chvgas , suWact any payments or credits, and mean other edpstrrheMe. TmnrCoa® an eddad as of the tmnueton dab, the bepimI of the bil?p cvNe u which they en posed ro you adxouM, or a later date of ear choke (crag tint check tnmaetiom sun added a of the date deposited by the payee or a beer date of our choke. Fees m added ebw en thadd. M s r.rr.d r,..e..h . w.h... «,?.... _..... M end your -?.e.e ram run pmwmas vamp cyce. mowwer, ins do bolance for previous billing cycle Dudeas is comidered to be Zero for each dry of pmdous offing cycle 0 a Periodic fiance Charge was ekesdy tilled on jurohim bmbed on your previous std m rA or we received Payment of your New Balance en your previous statement in full by the Pas ant time your payment was due. To lost you Deal Rance charge for a filling cycle when a day pedodc rebels) soPBa we add e I d th daily periodic finance chsrpas for AN features. To derermine an - svenlp duiby nuns, A. ctrl your daily belanaa and Gvide by the number of the day. in IM appltcebk bill np cycle(s). II you mukipy the avaraTq daily bounce for each feature by the so Is d ily perk?c me, aed then -hit each of these results by the number of dey. in me epplicabie biting cycle(s), and than add all of theresdb together, thebInl will Weda'1lgthe pedotl; 11 ce char I paio0o rfinance filling cycle. e ac6iY focryrcmb w ?htsh n A , Ela to mu kv pe month r rtotiC r.tsTlio ratenind add ?piheesuan topMl ac balance The tout will equal periodic finance charges for the billing ycb, wrap for minor vadatious due to munding. Him Period (at Inat PB dT)• We accrue Periodic Mince charges on a tamaction, fee or finance c ym p from the dab it is added to your daily balance unth p in full 'n received Account. imnoe udew biped during s bi Hnwp cawyxle M urn renocpw hro h pymeMid War Nw Balsrce on you Current statement by the date and tine your payment is due and also Paymem d your w Balance on you previous shtemem by date and time your payment was it Them is no prate Period for hasrcs tandem, ash advances, check transactions, or ovemmft adverces. In addrion. lt them is A'Qualifying Promotional Fka=-np section on this statement, you will nut bicur Periodic fiance chs as en any Remstning Balance mat aPPam in that section 1 you Pay tbol belana b tuo the applicable Expiration Date. To avoid finance charges ou new Porofers when your New Batarce includes arty Remtlmnp ilelana(sl in the llua? Mg Promotional Fkxmdnp action, payyoufull Nw Italance mini the Polls! off those RaMminy &hnrccep(e) by the dab and time your Payment is des. Horrewr, =1 aMemeM shows theI a mWmhm Payment is due. we met recent at bast that um Payment by the did$ aid time spacXiell on your statement even it your New Balance cormda only of Qualifying Pmmotionel Finanang baurces. Fat'dstemed interest' OiBfying Promotional Rerckg, periodic finance charges accrue dbrip the Palo tbml period but am not added to your acaant hence. Imbed, they aeamaMe 1mm billing cycle to billing cycle N a 00" interest Dallying Promotlorol Fbencing bounce is not paid in full by the wficWle Bitratlon Dab. the deterred fimme Coarse will be adtled to you account a soon a the Bm day after the expiration Date. ,,, ,srpeaNyou default under the tams of your ArdmemhrAgrerrom, the ddwedfinsian wit be added to you acooum a soon as the dab of ddautL For 'fixed in I: Cayennayment Cayenne, mbar of N-yrrrmo. you will not have a grace Wind for that balance an esp Inoludes a pawn of stns Inbred owed over the repayment term for that hose. However. you VAN have a grace period on other new purchases as described above. BILLING RIGHTS SUINNMY Is Use of Dan or GuedlonAbod Your Bill: If youthinkyour bill s wrong, or Y you need mom kdormsthon about a tnroaction on yyoouur bit, write Cadmember Service on a separate sheet at P.O. Bar 15299 Wibnbgton, DE i1B50-S2B9 a soon a poueble. We mud hap from you no later then 80 Nys after we sent you the rip big on which the war or problem paw to MY-01-:vinp infornbtrenua bid doing a will not preserve your rights. In your Iefter, • Your name and Account amber • The dollar amount of the suspected emir • Describe the error ant explain, l you cam why you believe tea is an agar. It you reed more Information, describe the Item you we unsure about You do not haw to pay any amount m quesion while we ore in" but you are pip Obligated to pay the pars of your bib that am not in question. NTb urn Investigate your mepbn, we Conrad report you as dWW*mnt or Into action to cclkwi the smoua you section. If you have aulhermed as to pyy youyccrreedit cud bout automatically if lam your savi To droop the pryment your Mtwof a can I (oibi a I1 =1" Service adtlrea a telephone number shown on thins statement) must reach n At lead throe balm s days before the automatic payment is scheduled to oar. SMeM Role for Credll Card Pltlp ossit H you haw a problem with the quality of goads or services that yyoou purchased with a Credit ant locked np W mhos made. with a check), afd you have tried in goodftflh to Correct the problem vdmthimemMm, you may not haw to pry the rensining amount du on tla goods or services. You haw tlNe protection only when the Purchase Price vats noon ten S50 ad the puclone was mode in you home date or within fop miles at your making address. These Rnkstbm do not apply 1 we own or OPaate the merchant or t we milled you the advertisement for tie property or services. MA08030e Statement for account number: 54016830 1442 9192 • New Balance Payment Due Date Past Due Amount Minimum Payment •Rrj $10,572.73 05/26/07 ?rnJ $2,648.00 $5,121.73 .73 a Amount Enclosed New Make your check payable to Chase Card Services. $ New address s or or e-mail? Print on back. 540168301442919200512173010572730000007 B Z 34369 12107 C DIANA L L SUMMERS 11111111111i11i11111111 1111 Ioi11111111111111111111111ii 1111111 5446 OXFORD DR MECHANICSBURG PA 17055-4452 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 11 lililniliuuillnilinlui1in11111111111101111111111111 1:5000160281: 209 30 144 29 i9 2 211' Opening/Closing Date: 04/02107 - 05101/07 CUSTOMER SERVICE Payment Due Date: Minimum Payment Due: 05/26/07 In U.S. 1-800.224-2984 $5,121.73 Espaflol 1-888-446-3308 TDD 1-800.955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301442 9192 1-302-594-8200 Previous Balance $10,277.15 Total Credit Line ACCOUNT INQUIRIES 500 $8 Purchases, Cash, Debits + $39.00 Available Credit , P.O. Box 15298 Finance Charges +$256.58 Cash Access Line Wilmington, DE 19850.5298 $1,700 New Balance $10,572.73 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: www.chase.com/credftcards The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect 1-302594-8200). BJ'S BUCKS REWARDS SUMMARY Earn up to $500 every year Prewous rewards balance $0.00 redeemable at BJ's. Rewards earned on partner purchases at 1.5% $0.00 Remaining balance $0.00 Total earned this year $0.00 TRANSACTIONS 1 rens Date Reference Number Merchant Name or Transaction Description CredlAmountDebit 0426 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Categor 30 d i Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE y ays n cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% Cash advances V 08217% 29.99% 29 99% $7,920.58 $195.25 $0.00 $0.00 $195.25 . Balance transfer V .08217% . 29.99% $1,807.92 $679 86 $44.57 $16 6 $0.00 $0.00 $44.57 . .7 $0.00 $0.00 $16.76 Total finance charges $256.58 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N 2 01 07/05101 Page 1 of 1 06218 MAMA 34369 12110000030003436901 AIL Address Change Request Please provide information below only it the address information on front is incorrect. Street Address: City: ------- State: -- Zip: ----- -- Home Phone: --- --- Work Phone: --- --- E-mail Address: - Information About Your Account Lett or Stolen Cards: Please report your lost or stolen card immediately calling the Customer Service number found on the front of your stateme g? Advisors are always available to assist you. You can reach an Advisor pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at leas your minimum payment due to our post office box designated for paymen shown on this statement. Your payments by mail must comply with the ® instructions on this statement, and must be made by check or money orde payable in U.S. Dollars, and drawn on or payable through a U.S. financi institution or the U.S. branch of a foreign financial institution. Do not son r! cash. Write your account number on your check or money order. Payment must be accompanied by the payment coupon in the envelope provided wi our address visible through the envelope window; the envelope Cann gggggggg contain more than one payment or coupon; and there can be no staples paper clips, tape or correspondence included with your payment. If you payment is in accordance with our payment instructions and is mad available to us on any day except December 25 by 1:00 p.m. local time a our post office box designated for payments on this statement, we will credl the payment to your account as of that day. If yourpayment is in accordant with our payment instructions, but is made available to us after 1:00 p.m local rime at our post office box designated for payments on this statement we will credit It to your account as of the next day. If you do not follow ou payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through ou automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report Information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use Information from your check to make a one-tkne electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Paymeol : Any payment check or other form of payment that you send us for less than the full balance due that Is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by retuming it to you, not cashing it or destroying it. All other payments that you make should be sortie the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, It will be billed each year or in monthly Installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual tee does not affect our rights to dose your account and to limit your right to make transactions on your account. If your account is dosed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate parodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily pedodlc rates. If there is a 7' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add airy new transactions orother debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This by gives us that day's dally balance. A credit balance Is treated as a balance of nt. zero. If a daily periodic rate applies to any feature, we multiply the daily by balance by the dally periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance t to get the beginning balance for the next day. (timers than one dally periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average dally balance amount at the and of r the billing cycle to calculate the daily periodic finance charge each day.) at To get your total periodic finance charge for a billing cycle when a daily d periodic rate(s) applies, we add all of the dally periodictinance charges for all s features. To determine an average daily balance, we add your dally balances th and divide by the number of the days in the applicable billing cycle(s). If you of multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days n in the applicable billing cycle(s), and than add all of the results together, the a total will also equal the periodic finance charges for the billing cycle, except t forminorvarlationsduetorounding. To getyourtDWpedodicfinancecherge t for a billing cycle when a monthly periodic rate(s) applies, multiply the a average dally balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. r Grace Period (at last 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is r received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment Is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "qualifying Promotional Financing" cooties on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance Includes any Remaining Balance(s) in the Qualifying Promotlonal Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your paymentis due. However, if your statement shows that a minimum payment is due, we m ust receive at least that minimum paymentby the date end time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This Is referred to as "deferred Interest." If a deferred interest Qualifying Promotional Financing balance is riot paid in full by the applicable Expiration Date, the deferred finance charges wilt be added to youraccount as soon as the first day after the Expiration Date. Further, if you default under the terms of your CardmenberAgreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Gaestiona About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, OE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following Information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, If you can, why you believe there Is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bit automatically from your savings or checking account, you can stop the payment on any. amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Pvrohases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 STOCK & GRIMES, LLP BY: Francis X. Grimes, I.D.#62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 Q ~ Attorney for Plaint-~f © c_._. :, :.T _~ Es uire = 4 i~,.,. ' ~'~_ -c ~~_ '~ ' m: ~ "~ ' f._J _ . .. ,: a~-- ~ =~ v~ . ..~ ~ , PALISADES COLLECTION, LLC c/o Stock & Grimes, LLP 804 West Avenue Jenkintown, PA 19046 Plaintiff vs. DIANA L. SUMMERS 5446 Oxford Drive Mechanicsburg, PA 17055-4452 Defendant (s ) COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION-LAW NO. 10-4108 Civil Term PRAECIPB TO S]3TTLE. DISCONTINUE AND LND TO THE PROTHONOTARY: Kindly mark the above captioned matter s ttled, discontinued and ended. DATE: 7/21/10 IS X. I E ESQUIRE