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HomeMy WebLinkAbout10-4208J H FILED-4wFr'1Cc cYr THE F o- a'%0TAAY 2010 JUN 23 PM 3: 11 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs LISA M MCLAIN Defendant No : 16- 4a(>8 n .'a T" COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A.I 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412)' 434-7955 FAX: 412-338-7130 08364508 C J Pit SJS 44A.00 P0 AT" C* gw-6q 63 27 a44tgq A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. Civil Action No LISA M MCLAIN Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to.defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by enteri a written appearance personally or by an attorney and filing in writin 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 los money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 . 2. Defendant , is adult individual(s) residing at the address listed below: LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE, PA 17013 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX0911 4. Defendant made use of said credit card and has a current balance due of $11093.01 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 . 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment against Defendant , LISA M MCLAIN , INDIVIDUALLY , the amount of $11093.01 with continui interest thereon at the statutory rate of 6.000% per annum from June 04, 2010 , plus attorneys fees of $300.00 and costs. James C a ro t 2524 WELT WEINBERG & REIS CO., L.P.A. 436 S e th Avenue, Suite 1400 08364508 C J Pit SJS Pitts ur h, PA 15219 (412) 4 4-7955 FAX: 1A .1 -338-7130 This law firm is a debt collector attem t' g to collect this debt for our client and any information obtaine w 11 be used for that purpose.) Payment Due Date New Balance Ainimum Payment 03/26110 511,093.01 S846.00 f1,147.00 Account number: 5401 6830 1490 0911 ` Make your check payable to: yW? Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 54016830149009110011470001109301000000000000000 28057 SEX Z 06010 D LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013.1168 I...11111.IIL.....11..11.... 11...II.ILJ..11.uILIL.1L111 I. r.l l 111..1..111111..111.11111.1.11.1.11.1111111111111..111.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: S000 160 261: 209 30 14 9009 1 6911, CHAS E O IQ Manage your account online: Additional contact information www.chase.comlcreditcards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 5401 6830 1490 0911 Previous Balance S10,902.74 Fees Charged +$39.00 Interest Charged +$151.27 New Balance $11,093.01 Opening/Closing Date 02/02/10 - 03101110 Total Credit Line S10,500 Available Credit $0 Cash Access Line S4,200 Available for Cash $o PAYMENT INFORMATION New Bala $11,093.01 Payment Due Date 03/26110 Minimum Payment Due $1,147.00 Late Payment Warning: Ifwe do not receive your minimum payment by the date listed above, you may have to pay up to a S39.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about... pay .. Only the minimum 35 years $35,965 payment $441 3 years $15,861 (Savings=S20,104) If you would like information about credit counseling services, call 1-866-797-2885. 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. Important Message: You Are Ovedimit! Your statement balance exceeds your credit line. You should make a payment that includes the overlimil amount to bring the balance under your credit line. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Unavailable for Redemption 6,358 cards, cash or statement credits. Remember, Points Expired This Period 32 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases Ike gas and grocery purchases. 29 Points Due To Expire on Statement in April, 2010 Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not gel points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Dale of Transaction Merchant Name or Transaction Description S Amount ,al,PEdB cHAnew - 02l2E L,TE?EE 00 TOTAL FEES FOR THIS PERIOD _ -.o 00 00t ft" ARQIEn 03101 PURCHASE INTEREST CHARGE 45.64 03/01 BALANCE TRANSFER INTEREST CHARGE 87.90 03/01 PROMOTION INTEREST CHARGE 1833 8364508 TOTAL INTEREST FOR THIS PERIOD S151.27 This Statement is a Facsimile - Not an original 0000001 F1533338 D5 000 N Z 01 10/0101 Page 1 of 2 05686 MA MA 28057 06010000050002805701 X 0371 EXHIBIT Statement Date: 02/02110 - 03/0-. Account Number: 5401 6830 1490 0911 Page 2 of 2 tot TotalsYaar4"8% Total fees charged In 2010 539.00 Total interest charged In 2010 $314.50 Year-to-dale totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 28 Days In Cycle Interest Rate Charges Charges Purchases 27.99% (v) 52,097.76 $45.04 $0.00 Cash Advances 27.99% (v) 50.00 Saito $0.00 Balance transfer 27.99% (v) 54,094.02 $87.90 $0.00 Promotion 4.99% $4,789.18 $18.33 $0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other important information, as applicable. 8364508 This Statement is a Facsimile - Not an original X 0000001 FIS33338 D 5 000 N Z 01 10103101 Page 2 of 2 05686 MA MA 28057 06010000050002805702 Cardmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered by this agreement Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for alltransactions made on your account, as well as anyfees orfinance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other person(s)to pay. Please sign the backof your cardwhen you receive it.Youwill be bound bythis agreement it you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whetheryou use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" and "our mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you", "your and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word"card"rneans one ormore cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall be used Only for personal, family or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through' use of your account. You promise to use your account only far valid and lawful transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated under this agreement Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account. We also rater to them in this agreement as a check or checks. You may use a check to payfor goods or services,to transfer balancestoyour account, or for other uses we allow. But You may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the chock. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We may treat checks that we call convenience checks as balance transfer checks. However, checks that we call convenience checks and that we indicated to you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates and fees. • Balance Transfers: You may transfer balances from other accounts orloans with other credit card issuers c r otherlenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transferwill exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like chargus; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link dtis account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: In orderto manage your account, we divide time into periods called "billing cycles". Each billing cycle is approximately one monthin length. Foreach calendarmonth, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or pot there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. If you do so, this account may appearon the credit report of that authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that person to use thu account as you can. You will remain responsible for the use of your account and each card issued on your account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. It you notify us, we may close the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credit line may be used for cash advances. Cash advances, including cash advance checks, are charged againstthe cash advance portion of Your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page t of 6 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason, we may charge you an overlimit fee as described in this agreement We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At our discretion, we mayincrease, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, it you have asked us not to do so, we will notincrease your credit line. A change to your credit tine will not affect your obligation to pay us. International Transactions: International transactions include any transaction that you make in a foreign currency orthat you stake outside ofthe United States of America even'', if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa'. International or MasterCard International, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each' entity uses to convert currency is a rate that it selects either from the range of rates s available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the, government-mandated rate in effect on the applicable processing date. The rate in affect on the applicable processing data may differ Iron) the rate onthe date you used your card', or account. We reserve the right to charge you an additional3% of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa Oil MasterCard. In either case, the 3% Will be calculated on the U.S. dollar amount provided 1, to us by that entity. The same process and charges may apply it any international''. transaction is reversed. Refusal to Authorize Transactions: We rnay, but are not required to, decline a transaction on your account for any of the following reasons: • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses if a transaction on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with and authorization system that we select. We will notify you if we want you to register. If you do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your request for funds. When we receive, a check for payment, we may review your account to decide whether to authorize thal , chock. We may, but are not required to, reject and return unpaid a check for any reason,! including the following examples: • We or one of our related companies is the payse on the check. • Your credit line or cash advance portion of your credit line has been exceeded, orwould, be exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being) returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default or would be if we paid the check. Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number! or other means to access your account is lost or stolen, pr you think someone used orl may use them without your permission, you must notify us at once by calling that Cardmember Service telephone number shown on your card or billing statement. Do note use your account after you notify us, oven if your card, check, account number or other'l means to access your account is found or returned. We may terminate or suspend your), credit privileges when you notify us of any loss, theft or unauthorized use related to your' account. You may be liable if there is unauthorized use of your account from which you received no benefit, but you will not be liable for more than $50.00 of such transactions, and you, will not be liable for any such transactions made after you notify us of the loss, theft orl unauthorized use. However, you must identify for us the unauthorized charges from which l you received no benefit. We may require youto provide us information in writing to help us find out what happened.) We may also require you to comply with certain procedures in connection with our! investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include!, instructions you must follow for making payments and sets forth the date and time byl which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S financial institution or the U.S. branch of a foreign financial institution using a payment', check, money order or automatic debitthat will be processed or honored by your financials institution. We will not accept cash payments. Your total available credit may not be, restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked "paid in full"orwith a similar notation orthatyou otherwise tender', in full satisfaction of a disputed amount (conditional payments), must be sent to us atthe' conditional payments address listed on your monthly statement. We reserve all our rights 11 regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may accept the payment and you'. will still owe any remaining balance. We may refuse to accept any such payment by'l returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly statements. ETIT We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronically by sending the check amount along with the check, routing and accountnumbers to your bank Your bank account may be debited as early as the same day we receive your payment The original payment check will be destroyed and an image will be maintained in our records. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooner you pay us, the less you will pay in finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance (the 'New Balance' on your billing statement). If the New Balance is SID.oD or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: S10.00; 2% of the New Balance; or the sum of I % of the New Balance, total billed periodic rate finance charges, and any billed late and overlimit fees. As part of the minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at anytime. We may reduce the amountof any credit balance bythe amount of new charges or fees billed to your account. Automatic Charges: You may authorize a third party to automatically charge your account for repeat transactions (for example, monthly utility charges, memberships and insurance premiums). If automatic charges are stopped for any reason (including because your account is closed or suspended for any reason) or your account number changes, you are responsible for notifying the biller and paying these charges directly. If your account number changes, we may, but are not required to, pay from your new account number charges thatyou authorized to be billed to yourold account number. Promotions: From time to time we may offer special terms for your account. If we do, we will notily you about the terms of the offer and how long they will be in effect. Any promotion is subject to the terns of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ("APRs") and the corresponding daily periodic rates are listed onthe Rates and Fees Table that is at the end of this document or provided separately. To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that apply to your account mayvarywith changes to the Prime Hate. When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall StreetJournaltwo business flays before the Closing Date shown on your billing statement. The'Prime Rate" is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall Street Journal. If The Wall Street Journalstops publishing the Prime Rate, we will select a similar reference rate and inform you on yourbilling statement or through a separate notice. A "margin" is the percentage we add to the Prime Rate to calculate the APR. A "business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, it any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. lithe daily periodic rate increases, you will have to pays higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the minimum payment due by the date and time due. • You exceed your credit line on this account. • You make a payment to us that is not honored byyour bank. If anyof these events occurs, we may increase the APRs (including anypromotional APR) on all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults onyour account; other indications of your account usage and performance; information aboutyour other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate will take effect as of the first day of the billing cycle in which the default occurs. If wa decide not to increase your APR even though there is a default or if we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdraft advances only if you have linked this account to a checking account with one of our related banks. We calculatethe periodic finance charges forpurchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subjectto a promotional rate the same way, but we use the promotional rate. To gettho daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, tees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction data, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding offmance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated inthe Rates and Fees Table. If itis necessary to add an additional amount to reach the minimum finance charge, we add that amountto the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. F )r each categorywe calculate an average dailybalance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a category bythe applicable daily periodic rate, and multiplythe result bythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transacdon,fee, orfinance charge fromthe date it is added to yourdaily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or'grace period" applies only to purchases and does not applyto balance transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may charge you a balance transfer lee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We maycharge the following fees.The amounts of these tees are listed in the Rates and Fees Table. These tees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as staled in the Rates and Fees Table), whether or not you use your account, and you agree to pay it when billed. The annual Page 2 of 6 CMA12762 membership fee is non-refundable unless you notify us that you wish to close your account within 3D days of the date we mail your billing statement on which the annual membership fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual membership fee untilyou pay your outstanding balance in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the fate fee is based on a balance, we calculate the late fee using the Previous Balance onthe currentmonth's statementthat shows the late fee. This balance is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Overlimit Fee: If your account balance is over your credit line at anytime during a billing cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee even if your balance is overthe credit line because of a finance charge orfeewe imposed or a transaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: If (a) your payment check or similar instrument is not honored, (b) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer chock at your request, or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Administrative Fees: If you request a copy of a billing statement, sales draft or other record of your account or it you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you request for a billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. You exceed your credit line. • You fail to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us to believe that you maybe unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated Orin the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT Yod may close your account at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at anytime for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or othermeansto access your account or return them to us upon request. You will continue to be responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at anytime after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THEABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFOREA JUDGE OR JURY, AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the 'FAA), 9 U.S.C. 51-16 as it may be amended. This Arbitration Agreement sets forththe circumstances and procedures underwhich claims (as defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, 'wc ,'us', and "our" also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents,' and assigns or any and all of them. Additional)y,'we , "us' and "our"shall include anythird party providing benefits, services, or prudurts in connection with the Account (including, but not limited to credit bureaus, merchants that accept any credit device issued under, the Account, rewards programs and enrollment sorvices, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) , if, and only if, such a third party is named by you as a cu-defendant in any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory,'1 binding arbitration of any claim, dispute or controversy by either you or us against the) other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents on assigns of the other, arising from or relating in any way to the Cardmember Agreement any prior Cardmember Agreement, your credit card Account or the advertising, application or approval of your Account ("Claim"). This Arbitration Agreement governs all Claims,), whether such Claims are based on law, statute, contract, regulation, ordinance, tort,) common law, constitutional provision, or any legal theory of law such as respondent superior, or any otherlegal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration! Agreement orthe validity ofthe entire Cardmember Agreement or any prior Cardmemberl Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subjectto arbitration include Claims that are made as counterclaims, cross claims,) third party claims, interpleaders or otherwise, and a party who initiates a proceeding in' court may elect arbitration with respect to any such Claims advanced in the lawsuit byl any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small) claims court any Claim thatis within that court's jurisdiction and proceeds on an individual basis. lf a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that event, it a class action lawsuit or other representative action, such as that in the form of a private) attorney general action, is filed, any Claim between us related to the issues raised in such! lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant,l joint cardmember, or authorized user of your Account, or your heirs or your trustee inl bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. I Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the), following two arbitration administrators: American Arbitration Association; or National) Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected', arbitration administrator by an impartial third party chosen in accordance with the rulesli of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration) administrators, information about arbitration and arbitration fees, and instructions tar!, initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NYii 1D017-4605, Web site: www.adr.org, 800-778-7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site:) www.arbitration-forum.com, 800-474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will eitherbe a lawyer with at least ton years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and 'I rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These procedures and rules may limit the amount'. of discovery available to you of us. Thu arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of 1 pthfilege recognized at law. You may choose to have a hearing and be represented by, counsel. The arbitrator will take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, it requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award inwriting but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of S50D upon receipt of proof of payment. Additionally, if there is a hearing, we Page 3 of 6 CMA12762 will pay ally fees of the arbitrator and arbitration administrator for the prsttwo days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement All otherfees will be allocated in keepingwiththe rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all tees and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at anytime, or in connection with any particular Claims,will notconstitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appealmust request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover any or all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided bythe FAA or other applicable law by any court having jurisdiction. Severabilily, s+rrvival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement. the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in ilia Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiated byyou or on your behalf; and (iii) payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you orwe mayhave relating to this agreement. Modifications, additions, or deletions are called 'Changes" or a "Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes; your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. If you do not notify US in writing by the date stated in the notice, orif you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account For others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed oil your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct Ilia report. If we disagree withyuu after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (it you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections frornthe United States Postal Service. We may contact you aboutyour account, including for customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and it applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your accuuntwithin our family of companies, and with others outside our family of companies including any company or organization whose name or mark may appear an the cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and atleastonce each calendar year thereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you choose not to exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services You may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights underthis agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMSAND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHEREYOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors.Or Questions About Your Bill If you think your bill is wrong, or it you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your billing statement Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describn the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you hava authorized us to pay your credit card bill automatically from your savings or checki-)g account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected tiro error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount againstyour credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that art, not in question. If we find thatwe made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to payfinance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to paythe amountthatwe think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboutyour bill. And, we musttell you the name of anyone we reported you to. We musttell anyone we report you to that the matter has been settled between us when it finally is. - If we don't follow these rules, we can't collect the first 550.00 of the questioned amount, even-if your bill was correct Special Rules for Credit Card Purchases Page 4 of 5 CMA12762 It you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transactions. There are two limitations on this right: lal You must have made the purchase in your home state or, if notwithin your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than &50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright Q2007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bank USA, N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (Signature) then A. Alcaraz W WR# Client Account # Name SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson , ,, Sheriff ~~~~tcr aC ~~c~nb~"r~~~ s~F ~~'~ ~ ~ ~ ~.: s~ "';?I~~?'t Jody S Smith Chief Deputy ~ --~ ,~, ~~ ~ ~ ~~~ _ ~ A~ ~: 4~ .~ ,~~ Richard W Stewart $OIICItO~ ~y~pic;ECP'~ESNERI~F f+ 1~ ar ~..iU~ li~V~fl ~ _ i- Chase Bank USA, N.A. Case Number vs. Lisa M. Mclain 2010-4208 SHERIFF'S RETURN OF SERVICE 06/29/2010 William Cline, Corporal, who being duly sworn according to law, states that on June 29, 2010 at 1305 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Lisa M. Mclain, by making known unto herself personally, at 116 Wynnwood Drive, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her per ovally the said true and correct copy of the same. ~~ LLIAM CLINE, DEPUTY SHERIFF COST: $33.40 June 30, 2010 SO ANSWERS, ~/~ RON R ANDERSON, SHERIFF ~ci Coun'ySuite Shenft. Teleosoft. Inc. ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., _ c? ~ •~; Plaintiff(s) Docket No.: 10-4208 -,•, .,-, c . -~ T'~ r ~ C..`. ;'.~.~ T. _ ~._ ~._ ~~ _ LISA M. MCLAIN, _ _~` ,:' ~,: ~ Defendant(s) PRELIMINARY OBJECTIONS T(X COMPLAINT Filed on Behalf of Defendant Counsel: The ]. Murphy Firm 210 Grant Street, #301 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 1tl1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff(s) Docket No.: 10-4208 v. LISA M. MCLAIN, Defendant(s) CERTIFICATE OF SERVICE I, Joseph P. Murphy, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing ^ PRELIMINARY OBJECTIONS TO COMPLAINT ^ BRIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT ^ MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: James C. Warmbrodt Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400. Pittsburgh, Pa 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff(s) Docket No.: 10-4208 v. LISA M. MCLAIN, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Joseph P. Murphy, Esquire and bring(s) and file(s) the within Preliminary Objections to Complaint, averring in support thereof as follows: OBJECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. No averment is made as to whether said agreement is oral, or written. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as amended, which requires that, "When any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." 4. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of court 1019(h). 5. Although the Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. 6. The foregoing amounts to a violation of PA. R.C.P. §1019(1). 7. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(1). OB]ECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 8. Pa. R.C.P. 1019(f) requires, inter a/ia, that items of special damage be pled with s ecificity. 9. In the context of a credit card case, items of special damage, which are to be specifically pled, include the dates and amounts of charges, fees, fines, interest, and the like. 10. In the context of a credit card case, the requirements of 1019(f) are normally met by attaching copies of an un-interrupted chain of credit card statements, starting with a zero balance and ending with a statement showing the amount sought in the complaint. 11. It is respectfully submitted that the neither the Complaint, nor the documents attached thereto, specifically plead the items of special damage underlying the case. 12. This renders the Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019(f), and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. WHEREFORE, Defendant respectfully prays that the Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff(s) Docket No.: 10-4208 v. LISA M. MCLAIN, Defendant(s) -ORDER- On this day of , 20 , it is hereby ORDERED that Plaintiff's Complaint is stricken. Plaintiff may file an amended complaint within 30 days. If Plaintiff fails to 1=tle an amended complaint within the time set forth above, the Prothontary, upon praecipe of the Defendant, shall dismiss this case with prejudice. BY THE COURT: J. CAlAL PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) 20 I o ~~~ 23 ~~1 f 2 26 ~~ t ,,4 , f ~ ~,;~;. TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the witt-in matter for the next Argument Court.} CAPTION OF CASE (entire caption must be stai~sd In full) Chase Bank USA, N.A. vs. Lisa M. McLain No. 10-4208 Term 1. State matter to be argued (i.e., piaintifPs motion for new trial, defendants demurrer to complaint, etc.): Defendant's Preliminary Objections 2. Identify all counsel who will argue cases: (a> for plaintiffs: James C. Warmbrodt, Esq. 4 even ve., urte (Name and Address) Pittsburgh, PA 15219 (b) for defendants: Joseph P. Murphy, Esq. 210 Grant St., Suite 301 (Name and Address} Pittsburgh, PA 15219 3. I will notify all parties in writing within Iwo days that this case has been listed for argument. 4. Argument Court Date: Signatur Jo ph .Murphy, Esq. P ' t name Defendant 7/20/10 Attorney for Date: INSTRUCTIONS: 1. Two copies of all briefs must be fated with the COURT ADMINISTRATOR (not the Prothonotary} before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary). after the case is reltsted. ~~6~Na~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK, Plaintiff(s) V. LISA MCLAIN, Defendant(s). On this _ /? • day of 20 Lo , it is hereby ORDERED that Plaintiffs Preliminary Objections is stricken. Plaintiff may file an amended complaint within 120 days. If Plaintiff fails to file an amended complaint. within the time set forth above, the Prothonotary, upon Praecipe of the Defendant, shall dismiss this case with prejudice. BY THE OUR:?/ LI 4E ABOVE "DER.- 7 61,216 J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, N.A., Plaintiff, V. LISA M. MCLA_I:N, Defendant "I'YPI: OI, PI,I?AI)INCi: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by::I'laintiff Matthew- D Urban Esquire Pa If) No. 90963 Weltanan, Weinberg & Deis, Co, L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, Pa 15219 (412) 494.-7955 Fax: (412) 494-7959 WWR # 8364508 IN 'I'III?, COURT OF COMMON PLEAS CUMBER.I.-AND COUNTY, PENNSYLVANIA CIVII. DIVISION CHASE BANK USA, N.A., Plaintiff VS. Civil Action No. 10-4208 LISA M. MCLAIN, Defendant AMENDED COMPLAINT You have been stied in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing: in waiting 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 rnoney 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 SIIOUI.;D TAKE 'l"HI:S PAPER `l'O YOUR LAWYER AT ONCL, ll' YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE "FHE OFFICE SE'I" FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABC)IJT HIRING A LAWYER. IF YOU CANNOT AFFOZD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FIE. LAWYER. REFERRAL SERVICE CUMBERI..,AND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD s'rRE.E'T' CARLISLE. PA 17013 (717) 249-31.66 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CHASE BANK USA, and files an Amended Complaint, the following of which is a statement thereof: 1. Plaintiff is CHASE BANK USA, N.A., a corporation with offices at 3700 WISEMAN BLVD., SAN ANTONIO, TX 78251. 2. Defendant, LISA M. MCLAIN is an individual with an address of 116 WYNNWOOD AVENUE, CARLISLE, PA 17013. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CHASE BANK credit card, bearing account number 5401683014900911, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "i ." 6. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise, and services and take cash advances. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Defendant was periodically sent updated written terms and conditions for her Chase credit card account. Those updates of the written terms and conditions for the account are attached hereto and made a part hereof as Exhibit "2." 9. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from October 27, 2005 - July 1, 2010 are attached hereto and made a part hereof as Exhibit "Y' 10. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 11. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on November 25, 2009 in the amount of $250.00. 12. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 13. The current balance due and owing to the Plaintiff on the aforementioned credit card account is $11,093.01. 14. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 15. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 16. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of the cardholder agreement provides that he Defendant will pay Plaintiff s reasonable, attorney fees. 17. Plaintiff avers that, such reasonable attorney fees shall amount to $300.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN, in the amount of $11,093.01, with interest at the rate of 6.0% per annum from June 4, 2010, plus costs and attorney's fees in the amount of $300.00. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant has used her Chase Bank credit card to purchase goods, merchandise, and services, make balance transfers and take cash advances. 20. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "3," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN in an amount not in excess of the arbitration limits. Respectfull ub itted, Matthew D Urban Esquire Pa ID No. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8364508 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff vs. LISA M. MCLAIN, Defendant Civil Action No. 10-4208 AMENDED 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 this complaint and notice. are served, by entering a written appearance personally or by an attorney and filing in writing with the count 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FIFE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CHASE BANK USA, and files an Amended Complaint, the following of which is a statement thereof- 1 . Plaintiff is CHASE BANK USA, N.A., a corporation with offices at 3700 WISEMAN BLVD., SAN ANTONIO, TX 78251. 2. Defendant, LISA M. MCLAIN is an individual with an address of 116 WYNNWOOD' AVENUE, CARLISLE, PA 17013. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CHASE BANK credit card, bearing account number 5401683014900911, along with a written cardholder agreement which contained the terms and conditions of said credit card. to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise, and services and take cash advances. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Defendant was periodically sent updated written terms and conditions for her Chase credit card account. Those updates of the written terms and conditions for the account are attached hereto and made a part. hereof as Exhibit "2." 9. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from October 27, 2005 - July 1, 2010 are attached hereto and made a part hereof as Exhibit "I" 10. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 11. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on November 25, 2009 in the amount of $250.00. 12. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 13. The current balance due and owing to the Plaintiff on the aforementioned credit card account is $11,093.01. 14. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described' in the cardholder agreement and set forth on the Defendant's monthly statement. 15. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 16. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of the cardholder agreement provides that he Defendant will pay Plaintiff s reasonable attorney fees. 17. Plaintiff avers that such reasonable attorney fees shall amount to $300.00 WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN, in the amount of $11,093.01, with interest at the rate of 6.0% per annum from June 4, 2010, plus costs and attorney's fees in the amount of $300.00. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant has used her Chase Bank credit card to purchase goods, merchandise, and services, make balance transfers and take cash advances. 20. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "3," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. ¦' WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN in an amount not in excess of the arbitration limits. Lyndsa E."Rowland, Esquire PA I.D`. 05520 WELT AN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8364508 I MASTERCARD' and VISA® CARDMEMBER AGREEMENT' GENERAL TERMS I. Meaning of Words Used in This Agreement. "Agreement" means this document (which has a binding arbitration provision that may affect your right to go to court, your right to a jury trial, and your right to participate in a class action or other representativeaction) and the attached' Pricing Schedule, as either may be amended from time to time. This Agreement is effe,tive with any use of a Card or the Account by you or an Authorized User, or if you do not cancel the Account within 30 days after receiving your initial Card. In this Agreement, "'you," "your" or "yours" means each person who applied for the Visa or -MasterCard Account. "We,"' "us" or "our" means Chase Manhattan Bank USA, National Association. "Account" means the Secured Visa or MasterCard Account for which you were issued cards and checks imprinted with your Account number, "Authorized' User" means any person to whom you have given permission to use your Account. "Card" means the Visa or MasterCard card(s) issued' in connection with your Account. "Check" means Chase Convenience Checks. "ATM" means Automated Teller Machine. "'Our check" means a check drawn on {3S or one of our affiliates. "Seller" means any, merchant, insurance company or its agent or broker. "`CMMA" refers to the Chase Secured Card Money Market Account opened as security for your Account. The CMMA secures payment of your Account obliclations. 2. Services of This Account. This Account maybe used for Purchases from any Seller that accepts the Card, for Advances and for other transactions we permit. You agree not to make or permit to be made any illegal transactions' on your Account through the use of a Card, a Check or any other manner. 3. To Use Your Card. You must sign the panel on the back of your Card. Authorized Users of any additional Card(s) should sign their names on the panel on the back of those Cards. For Purchases, you will have to sign a sales slip that has your name, the Seller's name, and your Account number on it, unless you tot the Seller complete the sales slip for you. 4. Your Responsibilities for This Account. You are responsible for all amounts owed on this Account, whether charged by you, a person whom you permit to obtain credit on your Account (such as by lending a person your Card), or any other person using a'Card or your Account with actual, implied or apparent authority. You agree that anyone who is issued a Card for your Account (or anyone to whom you lend or give your Card)' is authorized to make charges to your Account to the same extent as you and we are not responsible for controlling such use of your Account. Such authority will continue until you revoke it by notifying us, obtaining the Card in your physical possession, and if it is a Card issued to an Authorized User, by 1 000550 also cutting it in half. If you receive a benefit from the use of your Card or Account by another person, such use will not be considered unauthorized. We may require Authorized Users to repay the amount owed for the charges they make. 5. Your Credit Line. Your credit line is themost you -nay awe on your Account at any time. Your initial credit line will equal the amount you deposit in your CMMA. You may not use your Account in any way that would cause you to go over your credit line. You may also be asked to immediately pay for any amount over your credit line. We may change your credit line or separate the amount of your credit line into available credit fur Purchases and Advances. If the credit line is changed or limited, you will be notified. You may increase your credit line by adding to the CMMA in.$100 increments up to a maximum of $5,000, subject to our review. 6: Overfimit Fee. If your Account balance (including any Finance Charges and any fees and charges owed on your Account) is over your credit line at the end of a billing cycle, there will be an Overiimit Fee in the amount disclosed in the Pricing Schedule. This tee will be imposed only once during the billing cycle, but will be imposed in each billing cycle that you are over your credit line even if-we authorize the transaction that causes your credit line to be exceeded. 7. Annual Fee. If there is an Annual Fee forthe Account, you will be billed the Annual Fee in the amount disclosed in the Pricing Schedule whether or not you have used the Account. If your Annual Fee has been waived, it will be billed when the waiver period has ended, and will then continue to be billed on an annual basis. The Annual fee is non-refundable. 8. Payments, All payments by mail must be made and received by us in accordance with the payment instructions that appear on or with your monthly statements and accompanying envelopes. Payments must be in United States Dollars and drawn on a United States financial institution or the United States Postal Service. Payments must be made by check, money order, or electronic debit that will be honored by your bank, or such other means as we permit. In our sole discretion we will decide how to apply your payments, and we may satisfy promotional rate balances before regular/standard rate balances. Although we post your payments as of the business day we receive them as described on your statements, your Total Available Credit may not be restored for up to 15 days after we post your payment. Any check or other form of payment which you send en for less than the cull balance due that:is marked 11 paid in full" or with a similar notation or that you otherwise tender in full satisfaction of a -disputed amount (conditional payments), must be sent to us at the conditional payments address listed on your monthly statement. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at anyoth'er address, we may accept the payment and yob will still owe any remaining balance. We may refuse to'accept anv such payment by returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly statements. We reserve the right to electronically collect your eligible payment' checks, at first presentment and any representment, from the bank account on which the check was drawn, Our receipt of your payment check is your authorization for us to collect the amount of the check electronically, or if needed by a draft drawn against the bank account. Checks will be collected electronically by 'sending the check amount along with the check, routing and account' numbers to your bank. Your bank account may be debitedas early as the same day we receive your payment. The original check will be destroyed and an image will be maintained in our records. - 9. Returned Payment Fee. You will be charged the Returned Payment fee in the amount disclosed in the Pricing Schedule for each check or any other form of payment which is returned to us or which we cannot process under our normal operating procedures. 10. Minimum Payment. You may pay either the Minimum Payment or any amount over that up to the New Balance. Your Minimum Payment must be in accordance with our payment instructions and received by the time of day on the Payment Due Date shown on, your statement. Your Minimum Payment is calculated by taking the New Balance and deducting any amounts which you have properly notified us are in dispute (see notice "In Case of Errors or Inquiries About Your Bill") and multiplying that amount by the minimum payment percentage shown in the Pricing Schedule. If the resulting amount is more than the minimum dollar amount for a minimum payment shown in the Pricing Schedule, it will be reduced to the 'next lowest dollar, It the resulting amount is less than that minimum dollar amount, it will be increased to that minimum dollar amount. If the Minimum Payment as calculated herein is less than the Total Finance Charge as shown on your statement, your Minimum Payment for that statement instead will equal the Total Finance Charge ;(rounded up to the nearest dollar). We add to your Minimum ?Payment any Past Due Amounts and, at our option, any amounts in excess of your credit line. The Minimum Payment will never be more than the New Balance. 11. Late Payment Fee/Charge. There will be a Late Payment Fee/Charge in the amount disclosed in the Pricing Schedule if we do not receive in accordance with our payment instructions the Minimum Payment by the time of day on the Payment Due Date shown on your monthly statement. 12, If Your Cards or Checks are Lost or Stolen. If someone used your Card(s)' or Checks without your permission or if they are lost or stolen, contact us immediately. You may call or write: Call toll free 1'-800-48-CHASE anytime from all 50 states, Washington, D.C.,' Puerto Rico', and the U.S. Virgin Islands. For all other locations call 813-884-2997 collect. Write to: Chase c/o P.O. Box 9203, Old Bethpage, NY 11804-9003. You may be 9 liable for the unauthorized use of your Card(s) in an amount not to exceed $50 in any case where your Card(s) are lost or stolen and you fail to contact us within twenty-four (24) hours. You will not be liable for such unauthorized use if you contact us in the manner described immediately above within the twenty-four (24) hour time limit or before the unauthorized use'occurs 13. If Your Card or Check is Refused. We are not responsible if a Seller, Bank or ATM refuses to honor your Card or Check. Although you may have credit available, we may not authorize credit for a particular transaction due to operational difficulties or, in our discretion, for any other appropriate reason. Transactions madeabove a certain dollar amount may require authorization before the transaction is approved. The number of transactions you make in one day-may be limited by us. This is done for security reasons, and as such, the details of how the authorization system works are not listed in this Agreement. Neither we nor our agents will be responsible if authorization for a transaction is not given. If your Account is overlimit or delinquent, credit authorization for transactions may be declined. 14. Monthly Statements. Each month there is a debit or credit balance of more than $1, or a Finance Charge has been imposed on your Account, we will send you a statement. 15. Copy Fee. You will be charged the Copy fee in tt e:amount disclosed in the Pricing Schedule for each original or copied sales slip, copied statement, and copy ofany other record or document that you request. The fee is not owed if a request for such record or document reveals a billing error or unauthorized use on your Account as defined by the Federal Reserve Board's' Regulation Z. 16. Billing Errors. If you have a dispute about your Account, notify us as soon as possible. Please read the notice "In Case of Errors or Inquiries.About Your Bill." This notice explains your legal rights about billing errors and defenses under Federal Law and how you must notify us. If any adjustment is made we will International or Visa International on the date your transaction is processed by, MasterCard International or Visa International may differ from the rate that would have been used on the purchase or transaction date or thecardholder statement posting date. The adjustment factor that is part of the currency conversion rate is one percent, but may be changed from time to time by MasterCard International or Visa International, respectively. For each such transaction converted into a U.S. Dollar amount that must be converted back into a foreign currency because of a refund or other reversal of the transaction,, the same currency conversion rate formula and procedures will be used. 18. Foreign Currency Transaction Fee. For each transaction in a foreign currency, we will charge a foreign currency transaction fee equal to the percentage amount shown to the Pricing Schedule multiplied by the converted transaction amount. This fee may be abbreviated as "For. Tran. Fee." 19. Authorization to Provide Information. You authorize us to provide certain information on you and your Account to our affiliates and others, including any company whose name or mark may appear on the Cards. Complete details regarding our rights to share information and your right to opt-out of certain information being shared is provided to you when you first receive an Agreement and at least once each calendar year thereafter: 20. Disputing Account Information Reported to Credit Bureaus. We furnish information about your Account to credit bureaus. You have the right to dispute the accuracy of the information reported by writing us at Chase c/o P.O. Box 9203; Old Bethpage, NY 11804-9003. 21. 'Changing the Terms of This Agreement. We may change any of the terms of this Agreement; including without limitation by adding new terms or by deleting or modifying existing; terms. We will notify you of any such changes as required by law. Any changes to this Agreement can apply to all outstanding unpaid indebtedness and any new transactions on your Account. We credit' your Account. may sell or transfer your Account and any amounts owed on 17. Currency Conversion. If you effect a transaction with our your Account to another person at'any time. If we do, this MasterCard card or Visa card in a currency' other ttan U.S, Agreement will still bet effect and any successor will have our d"ollars; MasterCard International Incorporated or Visa' rights in this Agreement to the extent assigned. International, as appropriate, wll( convert the charge into a U.S. 22• Consensual Security 'Interest. You agree that as a dollar amount. MasterCard International or Visa International condition of our approving your Account it must be secured by will use its conversion procedure, which is disclosed to a CMMA that serves as collateral for all amounts owed under institutions that issue MasterCard cards or Visa cards, this Agreement. The CMMA must be maintained with us respectively. Currently, the currencv conversion rate ised by unencumbered (e.g., not subject to any judgment, lien, MasterCard International or Visa International to determine the attachment or execution) at all times in conjunction with your transaction amount in U.S. dollars for such transactions is Account in an amount at least equal to your credit line unless we generally either a government-mandated rate or a wholesale rate permit otherwise. You agree that the funds must be maintained determined by MasterCard International or Visa International, as in the CMMA until your Account is closed and, paid in fulL' On appropriate, for the processing cycle in which the transaction is any closing of your Account and without notice to you, the processed, increased by an adjustment factor established from CMMA funds may be used to pay any balance due and the time to time by MasterCard International and Visa International; remainder; if any, will be returned to you 60 days later., At that respectively. The currency conversion rate used by MasterCard time, the CMMA funds, less any outstanding obligation owed to 4 5 us; if any, including but not limited to your outstanding Account balance for which any claim under a credit insurance policy is pending, will be returned to you. 23. Default and Collection Costs! Your Account will be in default and we can require that the total outstanding balance be paid if: (1) you fail to pay any amount owed under this Agreement when due; (2) you exceed the credit limit in effect on your Account; (3) you do not follow the terms of this Agreement (4) your ability to pay us is materially impaired (including, but not limited to, bankruptcy' or insolvency proceedings that are initiated by or against you); or (5) you :default on any other loan or credit obligation you have with us or another creditor. We do not have to notify you or demand payment in order to take this action. If you are in default, we may, as permitted by law: (1) apply all or part ' of the CMMA collateral against all amounts' owed on your Account in the manner described in the "Consensual Security Interest" section; (2) cancel your credit; privileges and require you to pay the unpaid 'balance immediately; (3) require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your Account to be six or more billing cycles past due; and (4) require you to pay reasonable attorney's fees, any court costs' and other collection costs incurred by us in the collection of any amounts you owe under this Agreement. 24, Cancellation. We may close your Account at any time, You will be responsible for repaying any Purchases, Advances or other outstanding charges that are still due on your Account. If you are in default under this Agreement (or if your Account is closed by you or us for any reason), you authorize us to immediately apply all or part of the CMMA collateral against all amounts owed on your Account in the matter described in the "Consensual Security Interest" section. However, if your Account is closed by you or us and it is in good standing, you also have the option if you notify us in writing within 30 days of the closing of your Account, to continue' making payments on any outstanding balance of your Account in accordance with the minimum payment and other terms of this Agreement. If you choose this option, the CMMA must continue to secure your Account in accordance with the terms of this Agreement. Your Card is issued as a way of letting you use your Account. It may not be transferred. If we request the Card(s), you must return them. Any services not described in this Agreement that may be provided from time to time in connection with the Account are not part of, his Agreement and may be changed or cancelled at anytime without notice or refund. 25. Governing Law. This Agreement is governed by 'the laws of the United States of America (federal law) and the State of Delaware. Any dispute' concerning any item in this 'Agreement will be resolved by those laves 26. Telephone Monitoring. Vou agree that your telephone communications with us may be monitored and recorded to improve customer service and security 27. Delayed Enforcement: We may delay enforcing or not enforce any of our rights under this Agreement without losing any of them. 26. Severability. The invalidity of any provision of this Agreement shall not affect the validity of any other provision. 29. 'Consumer Reports. We may obtainconsumer credit reports from credit bureaus on you at any time in connection with any extension of credit on your Account, to review your Account, orfor'other permitted purposes. TERMS FOR ADVANCES 1. Advances. An Advance is a cash loan or similar transaction. You may take an Advance as follows. 1) Using your Checks. These Checks may only be used by the person(s) whose names are pre-printed on the Checks. We will not certify these Checks. '2) Using' any of our ATM's or any ATM, which may be provided for your use by another financial institution or company. 3) Using a Cash Advance, slip. Cash Advance slips maybe' obtained from any of our branches or from any bank that accepts the Card. 4) Using the official check' mailed to you in response to your request. 5) Using any other service that may be connected to your savings or checking accounts, which may be offered by us, that allows you to take Advances on this Account. 6) Entering into transactions that involve the purchase of items' convertible to cash or similar transactions, which we may treat as Advances, including but not limited to wire transfers. money orders, travelers cheques, gaming transactions, and tax payments. Advances may also be referred to as Cash Advances or Cash 2. Declined Check Fee. You will be charged the fee in the amount 'disclosed l in the Pricing Schedule for each _Check or other form of Advance which cannot be processed because you are over your credit line, or would be if such check or transaction were processed; or your Account is delinquent or closed. 3. Stop Payment Fee. You will be charged the fee in the amount disclosed; in the Pricing Schedule for each request you make for us to stop payment on a Check or other form of Advance which we make on your' behalf, or to cancel a stop payment request. You must provide us with any information we reasonably require in order to process your stop payment or cancellation request. We do not have to honor any stop payment or cancellation request unless we have a reasonable opportunity to act on it before the Check or other form of Advance is paid or approved for payment. We will not be liable in any way for any stop payment or cancellation request that we honor or fail to honor if vie used ordinary care. 4. Limits on Advances. For Advances taken from an ATM, there is a limit for each transaction and a daily limit that you may obtain, 5. Service Charge/Transaction Fee for Advances. For each Advance, there will be a Transaction Fee in the amount disclosed in the Pricing Schedule. _Any ,minimum and maximum 6 7 000553 Transaction Fees are also disclosed in the Pricing Schedule. The total amount of Transaction Fees will be shown in the d,scriptive portion of your statement. Transaction Fees are part of the Finance Charge. The addition of Transaction fees may cause the Annual Percentage Rate on Advances to exceed the nominal Annual Percentage Rate shown on your statement. 6. Our Responsibilities to Honor Checks. We may not accept your checks if: 1) by paying a Check or our check you would go over your credit line; 2) your Check or payment check is postdated; 3) your Cards or Checks have been reported lost or stolen; 4) your Account has been cancelled or has expired. If a postdated check is paid and as a result any other check is returned or not paid, we are not responsible. You may not use `a Check to pay any amount you owe under this Agreement. TERMS FOR PURCHASES You may use your Account to purchase or lease goods and services or for° lodging services when making guaranteed reservations or advance deposits. TERMS FOR ADVANCES AND PURCHASES 1. Calculation of Finance Charge for Advances and Purchases. That portion of the Finance Charge which is determined by using the monthly Periodic Rate is calculated separately for Advances and Purchases, but using' the same method (generally known as the "average daily balance, including new transactions", method). Separate average daily balances (which may be referred to as "Finance Charge Balances") are calculated for Advances and Purchases, and each such balance is multiplied by the applicable monthly Periodic Rate. Subject to the grace period for Purchases described below, Finance- Charges, accrue on (Purchases, Advance and tees beginning on the date the transaction occurs or on the first day of the billing cycle it is received by us (whichever is later), or, at our option, the date the transaction is posted to your Account. Finance Charges continue to accrue until payment in full is received: We determine each of the 'average daily balances as follows. For each day in the billing cycle, we take that day's beginning balance for Advances and Purchases (an amount that includes accrued and/or unpaid Finance Charges, fees and other charges from previous billing cycles) and add any new Advances, Purchases, or other debits to the appropriate balance. We then subtract from the appropriate balance any payments or credits posted that day. This gives us the daily balances for Advancesand Purchases. We then add all of the daily )alances separately for Advances and Purchases (excluding days which end witha credit balance), and divide each sum by the number of days in the billing cycle. This gives us the.avcrage daily balances for Advances and Purchases. All fees chargec to your Account are added to the appropriate Purchase balance, except 8 for any Transaction Fee that is added to the appropriate Purchase or Advance balance. This Agreement provides for the compounding of Finance Charges. Then we multiply each average daily !balance by the applicable monthly Periodic Rate. The monthly Periodic Rate will equal 1/1211 of the Annual Percentage Rate. The monthly Periodic Rate and Annual Percentage Rate are disclosed' in the applicable portion of the Pricing Schedule, as may be amended from time to time. These FINANCE CHARGES determined by Periodic Rate for Advances and Purchases are added to any Transaction Fees to get the combined amount of FINANCE CHARGE shown on your monthly statement. For Purchases only, there is a minimum FINANCE CHARGE of fifty cents ($.50) if a Finance Charge for Purchases is imposed. There will not be a periodic rate Finance 'Charge on Purchases if we receive payment for the "New Balance" by the time of day on the "Payment Due Date" shown on the monthly statement. (This is known as the'; grace period."r) You may also avoid Finance Charges for new Purchases for the first billing:. cycle in which they are posted to your Account if that cycle began with a "Previous Balance" of zero or the "Previous Balance" is reduced to zero by credits or payments we receive by the time of day on the "Payment Due Date" shown on your previous monthly statement. Payments must be in accordance with our payment instructions. There is no grace period for Advances. 2. Periodic Rates. The monthly Periodic Rates applied to the Purchases and Advances average daily balances and the corresponding ANNUAL PERCENTAGE RATES are in the Pricing Schedule. Where the Pricing Schedule includes "Variable Rate Index and Margin" information for a particular rate that applies to your Account, that rate is a variable rate and the disclosure below regarding' variable rates apply for that rate. Where the Pricing Schedule does not include such "Variable Rate Index and Margin" information for any particular rate (as indicated by an 'N/W for "not applicable" or the absence of such information in the Pricing Schedule), that rate is fixed and the disclosures below regarding variable rates do not apply. If different Periodic' Rates apply to balances incurred before and after a certain date or transaction, we may identify such balances in promotional offers, on statements or otherwise using terms such as "Current" or "New" to refer to balances subject to promotional.' rates or new transactions, and "Prior or "Old" to refer to balances' subject to regular rates or existing balances. If the Periodic Rate for one type of balance on your Account is the same as the Periodic Rate for another balance, we may combine them and refer to thosecombined balances as Purchases or Advances as applicable. 3. Variable Rates. If the monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE that apply to your. Account are variable rates (see the Pricing Schedule), they may increase or decrease from one billing cycle to another." These rates are based on the value of an index (the "Index") to which 9 000554 we add a margin. The Index and margin are in the Pricing Schedule. The Index plus the margin determine the nominal ANNUAL PERCENTAGE RATE. If the index is not published on the relevant date the Index we use in setting the monthly Periodic Rate for Purchases and/or Advances on your Account will be the Prime Rate published in The New York Times or any other newspaper, of national circulation selected by us. For purposes of this Agreement, the Index is merely a pricing index. It is not, and should not-be 'considered by you to represent, the lowest or the best' interest rate available to a borrower at any particular bank at any given time. The monthly Periodic Rate for Purchases and/or Advances increases when the Index increases on the relevant date, and decreases when the index decreases on the relevant date. An increase in the rate may cause' you to pay a larger Finance Charge and a higher minimum monthly payment. A decrease in the rate may cause you to pay a smaller Finance Charge and a lower minimum monthly payment. Any limit on the amount by which the monthly Periodic Rate and the corresponding Annual Percentage Rate may change at any one time or over the life' of your Account is set forth in the Pricing Schedule. If no limit appears for any particular rate, then that rate has no limit by which it may change. ARBITRATION AGREEMENT IT IS IMPORTANT THAT YOU READ THIS ARBITRATION' AGREEMENT CAREFULLY, IT PROVIDES THAT YOU MAY BE REQUIRED TO SETT'-[ A CLAIM OR DISPUTE THAT IS COVERED' BY THIS ARBITRATION AGREEMENT THROUGH ARBITRATION, EVEN IF YOU WOULD PREFER TO LITIGATE THE CLAIM IN A COURT. YOU ARE GIVING UP RIGHTS YOU MIGHT HAVE TO LITIGATE SUCH CLAIMS IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR OTHER PEPRESENTAT'VE ACTION WITH RESPECT TO SUCH A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION, MAY NOT BE 'AVAILABLE IN ARBITRATION OR MAYBE MORE LIMITED. CERTAIN CLAIMS BY EITHER OF US AGAINST THE OTHER SEEKING UP TO $25,000, EXCLUDING INTEREST COSTS AND FEES, MAYBE RESOLVED BY LITIGATION AND NOT ARBITRATION. 1. . Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the ".FAA")'. 9 U.S.C. !§1-16 as it may be amended. This Arbiitration Agreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved' by arbitration instead of being litigated in court. 2. Claims Covered. Any claim or dispute ("Claim", which term may refer to more than one claim as is appropriate for the 10 000555 1 ontext in which it is used) by either you or us against the other,' 7r against the employees, agents, or assigns of the other arising 7om'or relating in any way to the Cardmember Agreement, any )rior Cardmember Agreement, your credit card Account or the rdvertising, application or approval of your Account, will, at the ;lection of either you or us, be resolved by binding arbitration. this Arbitration Agreement governs all Claims, whether such :Ialms are based on law, statute, contract, regulation, ordinance, ort, common law, constitutional provision, or any legal theory of. aw.such as respondent superior, or any other legal or equitable mound and whether such Claims seek as remedies money lamages. penalties; injunctions, or declaratory or equitable' relief. Maims subject to this Arbitration Agreement' include Claims egarding the applicability of this Arbitration Agreement or the ralidity of the entire Cardmember Agreement or any prior 'ardmember Agreement. As used in this Arbitration Agreement, he term "Claim" is to be given the broadest possible meaning. Jotwithstanding the foregoing, 'a' Claim may be resolved by itigation and is not subject to arbitration under this Arbitration lgreement it (1) the only remedy that will be sought by either of he parties is monetary damages; (2) neither party will seek a ecovery in excess of $25,000, excluding interest, costs and fees; ind (3) the only parties to the litigation will be you and us. If one )arty wants a Claim to be resolved by arbitration, but the other )arty believes the Claim may be litigated subject to this small ,Maims exception, the party seeking arbitration may require easonable assurance from the other party that the conditions are rue and that the party wishing to resolve the Claim by litigation Jill take no action now or in the future to change the nature of he Claim so that it would no longer meet the conditions of this mail 'claims exception. If such reasonable assurance is not rovided. the parry seeking such assurance may require the 1aim to be resolved by arbitration. As used in this Arbitration Agreement, the term "Claims tciudes claims that arose in the past, or arise in the present or ie future. if a party elects to arbitrate' a Claim, the arbitration till be conducted as an individual action. The only Claims that iay be joined in an individual action under this Arbitration ,greement are (1) those brought by us against you and any co- pphcant, joint cardmember, or authorized user of your Account, r your heirs or your trustee in bankruptcy or (2) those brought y you and any co-applicant, joint cardmember, or authorized ser of your Account, or your heirs or your trustee in bankruptcy gainst us; This means that even if a class action lawsuit or the! reprewtative action; such as those in the form of a rivate attorney general action, is filed, any Claim between us latec to the issues raised in such lawsuits' will be subject to rl;itration if you or we so elect. Claims subject to arbitration iciude Claims that are made as counterclaims; cross-claims; rird-party claims, interpleaders or otherwise, and a party who iihates a proceeding in court may elect arbitration with respect any such Claims advanced in the ;lawsuit by any party or arties. 11 For the purposes of this Arbitration Agreement, "we" and us" means Chase Manhattan Bank USA, N.A., its parent, subsidiaries, affiliates, licensees, predecessors, successors; assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we" or "us" shall mean any third parry providing benefits, services, or, products in connection with the Account (including but not limited to credit bureaus,' merchants that accept any credit device issued under the Account, rewards, programs and enrollment services, credit insurance companies; debt collectors, and all of their officers, directors, employees, agents and representatives) it, and only if, such althird parry is named by you as a co-defendant in any Claim you assert against us. 3. Initiation of kbitration. The party filing an arbitration must choose one of the following three arbitration administrators: American Arbitration Association; JAMS; or National - Arbitration Forum. However, if we elect an administrator, you will have ten days after receiving notice of our election to request that the arbitration be conducted pursuant to rules of one of the other two arbitration administrators, To exercise your choice, you, must notify us of your choice by writing us at P. 0. Box 15933, Wilmington, DE 19850.5933: Send us a copy of the notice you received and state which of the other two arbitration administrators you choose. These administrators are independent from us. The administrator does not conduct the arbitration, Arbitration is conducted under the rules of the selected administrator by an impartial third party chosen in accordance with this Arbitration Agreement and rules of the selected administrator. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we ;agree' in writing. You may obtain copies of the current rules of each of the three arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators. American Arbitration Association 335 Madison Avenue, Floor 10 New York, NY 10017-4605 Web site: www.adr oro 800-778-7879 JAMS 1920 Main Street, Suite 300 Irvine, CA 92610 Web site: www.iamsadrain 800-352-5267 National Arbitration' Forum P.O. Box 50191 Minneapolis; MN 55405 Web site: www.arbitration-torurn.com 800-474-2371 12 000556 4. -Procedures and law applicable in arbitration. A single, neutral arbitrator' will resolve Claims. The arbitrator will either be a lawyer with at least ten years experience ora retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator. The arbitration will be mriducted under the applicable procedures and rules' of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are nconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These pr'oced'ures and rules may limit the amount of discovery available to you or us. The arbitrator ,will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator -will take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if; requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided foi under applicable law, and will not have the -power to award relief to, against, or for the benefit of anyperson who is not a party to the proceeding. The arbitrator may award punitive damages or attorney fees, if such damages are authorized by law. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. -Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. 5. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of $500 upon receipt of proof of payment. Additionally, if there is 'a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you onus pursuant tothis'Arbitration Agreement. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, fo6.arbitrationand any appeal (as permitted below); except that the arbitrator shall apply any applicable 'law in determining whether a party should recover any or all foes and costs from another party. 5. Enforcement, finality, appeals. You or we may bring an action including a summary or expedited motion to compel arbitration of Claims subject to arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action maybe brought at any time, even if any such Claims are part of a lawsuit. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at later time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. The arbitrator's decision will be final and binding, except for any right of appeal under the FAA. In addition, the non-prevailing party may appeal any award that exceeds $100,000 or that includes an award of punitive damages. Any request for an appeal must be filed in writing with the same arbitration administrator within 30 days of the receipt by the non-prevailing party of notice of the original award. The appeal shall be heard before a panel of three neutral arbitrators designated by the same arbitration administrator. The panel will consider all factual and legal issues anew; follow the same rules that apply to a proceeding !using a single arbitrator, and make decisions based on the majority vote. The cost of the appeal imposed by the arbitration administrator shall be borne by the appealing party An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. 7. Severability, survival. This Arbitration Agreement shall survive:' (1) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of anew account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party; and (iii) any transfer, sale, or assignment of your Account, or any amounts owed on your Account, to any other person: if any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. FOR OHIO RESIDENTS. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting' agencies maintain separate credit histories on each 'individual upon request. The Ohio civil rights commission administers compliance with this law. IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE This notice` contains important information about your rights and our responsibilities under the fair Credit Billing Act. Notify Us in Case 'of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about a-transaction on your bill, rwrite us' on a separate sheet at the address listed on your bill after the'word(s)' 'Questions" or "Send Inquiries To:." Write to us no later than 60 days after we sent you the first bill on which the error or problem 13 14 000557 appeared. You can telephone us, but doing so will not preserve (b) The purchase price must have been more than $50. your rights. In your letter, give us the following information: These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property • Your name and account number, or services. • The dollar amount of the suspected error PRICING SCHEDULE • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe Purchases Monthly Periodic Rate: 1.304%" the item you are not sure about. Purch ases ANNUAL PERCENTAGE RATE: 15.65%* If you have authorized us to pay your credit card bill' Purchases Variable Rate Index & Margin: Prime Rate** + 11.4% automatically from your savings or checking, account, you can Cash Advances Monthly Periodic Rate: 1.304%* stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days Cash Advances' ANNUAL' PERCENTAGE RATE: 15.65%* before the automatic payment is scheduled to occur. Cash Advances Variable Rate Index & Margin: Prime Rate" Your Rights and Our Responsibilities After We, Receive Your +11.4% Written Notice Annual Fee: $35 We must acknowledge your letter within 30 days, unless we Minimum FINANCE CHARGE: $0.50 have corrected the error by then. Within 90 days, we must either Transaction Fee FINANCE CHARGE: 3% of each Advance correct the error or explain why we believe the bill was correct.' amount (minimum $5, no maximum) After we receive your letter, we cannot try to col,ect any Other Fees Charges Minimum Payment and/or Rate Information: amount you question, or report you as delinquent. We can Late Payment Fee: $29 continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against Overlimit Fee:' $29 your credit line. You do not have to pay any questioned amount Returned Payment Fee: $29 while we'are investigating, but you are still obliged to -pay the parts of your bill that are not in question. If we find that we Minimum Payment 2i°/$10 minimum ° made a mistake on your bill, you will not have to pay any finance Foreign Currency Transaction Fee: 2% x converted transaction charges related to any questioned amount. If we didn't make a amount mistake you may have to pay finance charges, and you will have Stop Payment Fee: $29' - to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe Copy Fee: $5 per copy; $10 per original and the date that it is due. sales slip If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation' does not satisfy you and you write to us within ten days telling us that you " Variable Rate as of last business day of 03103 * * ` " " still refuse to pay, we must tell anyone we report you to that you Prime Rate (The Index ) is the highest Prime Rate published " " have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you t th t the t h b in the Money Rates table of The Wall Street Journal on the last business day of each calendar month ("Determination Date"). The Index will be effective from the first day of the billing cycle o a ma ter as een settled between us when it finally is. ' that closes in the second calendar month following the If we don't followthese rules, we can t collect the f rst $50 Determination Date. of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases If yoT have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right; (a) You must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing address; and © 2003 Chase Manhattan Bank USA, N.A. All Rights Reserved. 15 16 G-7028 000558 O C _ C N z a _ X OR L r.- L: CL) cu ? Z co j rv q '' y y m ° vi a) E Z d z Se V d N N O Y U) C-) Cl) Cl- U a` 3 O U J tL J V Z' y °- 0 U to O N A _ y Q' 7 0 3= E O O G m o y C p a) a) 0 O ?`a v) N_ N U d . U Q N + 0 E. 0 H ca T O Z Y y` 'C = - N r a co 'O r4 0T co. of W . C6 = r- >- C7 6) V c . _' (D _ N C (6 C. N O .V O. 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This Agreement incorporates by reference all of the numerical rates and fees (including those set forth in your previous Rates and Fees Table as it may have been amended or superseded) that are applicable to your account ("Account") as of February 22, 2010 (or such earlier date that this Agreement or any portion of it becomes effective). Your revised Cardmember Agreement also incorporates by reference any promotional program terms set forth in your previous Rates and Fees Table. This Agreement governs your credit card Account. You promise to pay for all transactions, interest charges and fees assessed on your Account, and any past due amounts. The words "we," "us" and "our" mean Chase Bank USA, N.A., which is the issuer of your credit card and lender for your Account. The words "you," "your," and "yours" mean everyone responsible for this Account, including the person who applied forthe Account and the person to whom we provide the billing statements. The word card" means each card or other access device, such as Account numbers, that we give you to use your Account. Amendments: We have the right to change the terms of this Agreement for any reason, and in any respect, by adding, deleting or modifying any provision, including APRs, fees, the Minimum Payment and other terms. We can add a new provision without regard to whether the provision deals with a matter already addressed by ibis Agreement. In certain' circumstances, we are required bylaw to notify you of changes to the terms of this Agreement, and in other circumstances we may not be required to do so. When required by taw to advise you that you have a legal right to reject any changes we make, we will provide an explanation about how to do that. In some circumstances, APRs or other aspects of your Account may change even though the terms of the Account do not change, for example when the Prime Rate changes orthe Penalty APR becomes applicable. See the Penalty APR section about our right to increase APRs on outstanding balances and/or future transactions' for events of default including late payment. USING YOUR ACCOUNT Your Account is to be used only for personal, family or household purposes. You promise that you will not allow your Account to be used for Internet gambling, and you will not use it for any unlawful purposes or transactions, including. check kiting. Authorized` Users: if you let anyone use your Account, that person is an authorized user. You may request another card for each authorized user. If you do, this Account may appear on the authorized user's credit report. You are responsible for all use of your Account including charges by authorized users. You musttell us if you want to stop'an authorized userfrom using your Account. If you do, we may close the Account and issue a new card(s) with a different Account number. It is your responsibility to get any cards; checks or any other means of access to your Account from the authorized user and destroy them or return them torus upon request. Billing Cycles/Statements: Your Account will have time periods called "billing cycles" or "billing periods." Each billing cycle is about one month in length. We will, provide a billing statement each month one is required by applicable law. Credit Line: We also call this a credit limit. We will assign a credit line to your Account.Your statement will show the amount of your credit line as of the date of the statement, If your Account goes overiimit, you must repay the overlimit amount when it is billed; on your monthly billing statement, or sooner if we ask you to. We may, but are not obliged to, allow your Account to go over its credit line. We may change, or cancel your credit line withouttelling you ahead of time. If we do, it will not excuse you from your obligations to pay us. We may restrict the extent to which yourcredit line can be used for different types of transactions (for example, purchases; balance transfers and/or cash advances) such as by limiting the dollar amount or number of or time period available for any such transactions, and we maycompletely prohibit use of your credit line for particular types of transactions. Lost or Stolen Cards, Checks or Account Numbers: If you lose or someone steals your card or any other means to access your Account, or if you think someone has used your Account without your permission, you must tell us immediately. Call the Cardmember Service telephone number on your card or billing statement. Do not use your Account after you notify us. We may end your credit privileges and close your Account if we consider it appropriate. You agree to provide us information to help us find out what happened. TYPES OF TRANSACTIONS AND AUTHORIZATIONS Purchases: You may use your card to pay for goods or services. Balance Transfers: In our discretion, we may allow you to transfer balances from other accounts or loans from other credit card companies, other lenders or other balance transfers we may allow, using balance transfer checks we provide or our website, or by calling us to make the transfer on your behalf. Those uses are "balance transfers". You are not authorized to transfer balances to this Account from other accounts or loans with us or any of our related companies. If you request a balance transfer but do not have enough available credit, we may transfer only a part of the requested amount. Gash Advances: You may use your card to get cash from automatic teller machines or from banks that accept the card, or by using cash advance checks we may provide. Also, we will treat as cash advances any balance transfer checks made payable to cash, you or other payees we disclose to you. All the following uses of your Account will be treated as "cash advances": purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions; purchasing lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions; and making a payment using a third party service. Types of Checks/Refusal to Pay Checks: Each balance transfer check or cash advance check you write is your request for funds. We may also call them a check or an access check. The check must be signed by the person whose name is printed on it. When we receive an access check for payment, we may review your Account to decide whether to pay that check. We have the right not to pay a check for any, reason, including but not limited to the following examples: • We or one of our related companies is the payee on the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You are in default (including exceeding your credit line) or would be if we paid the check. Overdraft Advances: You mayclink this Account to cover overdrafts on a checking account with one of our related banks. The terms of this Agreement and your checking account agreement will apply. Promotions: We may make special offers for you to use your Account. If we do, we will tell you how those offers will work and how long they will last. Any special offer is subject to the terms of this Agreement, unless we explain otherwise in the offer. Refusal to Authorize Transactions: We may decline any transaction on your Account for any of the following reasons: • operational matters; • your Account is in default (including exceeding your credit line), • suspected fraudulent or unlawful activity, or • any other reason we choose. We are not responsible for any losses if a transaction on yourAccount is declined for any reason, either by us or a third party. Page 1 of 5 PAYMENTS Minimum Payment: You must make your Minimum Payment in a bray that we receive it by the time and date it is due. You may make payments greater than your required Minimum Payment. This will reduce the interest charges that are added to your Account. Your Minimum Payment will ordinarily be the largest of: • $[VAR21 (or total amount you owe if less than $[VAR21); or • (VAR31% of the New Balance; or • the sum of 1% of the New Balance, the periodic interest charges and late fees we have billed you on the statement for which your Minimum Payment is calculated. As part of the Minimurn Payment, we will also add any amount past due and we reserve the right to add any amounts in excess of your credit line. Ever, it the Minimum Payment does not include amounts in excess of your credit line, you must pay such amounts when billed on your monthly statement or sooner if we ask you to. Except for Blueprint payment plans that may be offered to you, if you have agreed to the terms of a promotional financing transaction with a specific fixed payment, that amount will be added to and become part of your required Minimum Payment. Payment Instructions: You agree to pay us amounts you owe in U.S. dollars. You must use a check, money order or electronic debit drawn on a US bank or a foreign bank branch in the U.S. We will not accept cash payments through the mail. When we receive or apply a payment, we might not restore your available credit by that amount for up to 15 days. For mailed payments, your billing statement and the envelope it comes in give you instructions about how, when and where to make your payments. You must follow these instructions. Your payment will not be credited to your Account before we receive it at the address we specify for receipt of payments and in accordance with the payment instructions. If you make a payment marked as paid in full or indicate that it is to pay all amounts you owe us you must send that payment to the special address on the back of your statement. That address is called the "Conditional Payments" address. We may accept a conditional payment and not agree that it pays all amounts you owe on your Account. Also, we may return a conditional payment to you and you will still owe us the amount of the payment or any other amounts owed on your Account. You authorize us to collect any payment check either electronically or by draft. We can collect your payment checks electronically by sending the check number, check amount, account and routing numbers to your bank. Or we can collect these check's by sending a draft drawn on your bank account. Funds may be taken from your bank account on the same day we receive your payment. We will not keep your original check, just a copy of it. You may use our optional services to make payments electronically through our website, our automated telephone service or our Customer Service advisors, or using our Autopay feature. We will provide the terms for these payment services before you use them. Payment Crediting/Allocation: We will apply payments equal to or less than the required Minimum Payment amount and any credits to balances on your Account in a way that is most favorable to or convenient to us. Generally, and except as required by law, we will credit payments over the required' Minimum Payment to balances with the ;highest APR first. We will then credit payments to lower rate balances in descending order of APRs. The manner in which we apply any payment to your Account balances may affect the amount of any payment applied to introductory or promotional financing balances. This may also affect the amount of any payment to be made under a Blueprint payment plan that maybe offereu to you. Credit Balances: You may request a refund of any credit balance at any time. Otherwise, we will apply! it to any new charges on your Account or provide the refund to you as required by taw. Automatic Charges: You may allow others to automatically charge repeat transactions to your Account. You will be responsible for making new arrangements to make those payments if they are stopped for any reason such as: • your Account is closed or suspended, or • your Account number changes. PERIODIC INTEREST CHARGES Daily Interest Rates and Annual Percentage Rates: To get the daily interest rate we divide the APR by 365. APRs are either introductory, promotional, standard or Penalty APRs. Periodic Interest Charge Calculation-Daily Balance Method (including current transactions): We figure periodic interest charges for each billing cycle. • We begin with each existing balance for each type of transaction (for example, purchases, balance transfers, cash advances; overdraft advances, and each promotion). We may combine different transaction types with the same daily interest rates. • We figure the "daily balance" for each transaction type. We take the beginning balance for each day. We add any periodic interest charge from the prior day's daily balance. This results in daily compounding of interest charges. We then add any new transactions or other debits (including fees and unpaid interest charges), and subtract any payments or credits. We treat any net credit balance as a zero balance. This gives us the daily balances for each type of transaction. • We figure the periodic interest charges on your Account by multiplying the daily interest rate by the "daily balance" of your Account for each transaction type, each day in the billing cycle. • The total periodic interest charges for the billing cycle are the sum of the daily periodic interest charges for each transaction type for each day during that billing cycle. If any periodic interest charge is due, we will charge you at least the minimum interest charge, plus any other finance charges (for example, transaction fees). We add a new purchase, cash advance, balance transfer, or overdraft advance, if applicable, to the daily balance on the date of the transaction, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance on the date the payee deposits the check or a later date of our choice. We add fees either on the date of a related transaction, the date they are posted to your Account, or the last day of the billing cycle, whichever we may choose. For each transaction type we calculate a Balance Subject to Interest Rate for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, periodic interest charges and related amounts. Paying Interest: We begin assessing periodic interest charges on a transaction, fee, or interest charge from the date it is added to your daily balance as described in this Agreement until your Account is paid in full. Your due date will be a minimum of 21 days following the close of each billing cycle. You can avoid periodic interest charges on new purchases when they are first billed to a statement, as, described below, but not on cash advances, balance transfers or overdraft advances. If you receive a current monthly statement that includes new purchases, and then make a payment that we receive by the date and time the Minimum Payment is due for that statement, we will not charge periodic interest on any portion of the new purchases on that statement that we allocate such payment to, so long as your current statement also shows that we received payment of the ending balance for your previous month's statement by the date and time its Minimum Payment was due orthat:the ending balance foryour previous month's statement was zero. If you have a°balance other thana purchase balance and the other balance carries a higher periodic interest rate, you may not be able to avoid periodic interest charges on new purchases if you do not pay your balance in full each month, because we generally allocate payments first to the balance with the highest periodic interest rate. Penalty APR: The Penalty APR will be applicable to your Account if you: • fail to make any Minimum Payment by the date and time due (late payment); • exceed your credit line; • make a payment to us that is returned unpaid; or • do any of the above on another account or loan you have with us or any of our related companies. Page 2 of 5 ADV10606 Before we apply the Penalty APR on any type of transaction or balance, we will provide you any notice required by law in advance that tells you which future transactions and/or outstanding balances are subject to the Penalty APR and when the APRs will increase. If we do not increase your APRs to the Penalty APR when any of these events occur, we reserve our right to increase your APRs to the Penalty APR if any of these events occur in the future. If your APRs are increased on any type of transaction for any of the reasons above, the Penalty APR will be applicable indefinitely to future transactions of that type that occur more than 14 days after we provide you notice about the APR increase. If we do not receive any Minimum Payment within 60 days of the date and time due, the Penalty APR will be applicable to all outstanding balances and future transactions on your Account. However, if we receive six consecutive Minimum Payments by the date and time due beginning with the first payment due after the effective date of the increase, we will stop applying the Penalty APR to transactions that occurred prior to or within 14 days after we provided you notice about the APR increase. For balances that we stop applying the Penalty APR to, we will apply APRs that would have applied at that date if the Penalty APR had never been applicable. See the Amendments section about our rights to increase APRs and make other changes to your Account for any reason. Variable Rates: When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journal two business days before the Closing Date shown on your billing statement. The "Prime Rate" is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall Street Journal A "business day" is any day that is not a weekend or federal holiday. The APR will change if the Prime Rate changes. The new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher Minimum Payment. The Prime Rate is simply a pricing index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select asimilar reference rate. OTHER FEES AND CHARGES We may charge the following fees. Transaction fees are added to the related balance for the type of transaction. All other fees are added to the balance for purchases. Annual Membership Fee: If your Account has an annual fee or similar charge, it will be billed each year or in 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 our providing the statement on which the annual fee is billed and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your Account and to limit your right to make transactions on your Account. If your Account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your Account relationship. Foreign Transactions%Fees: A Foreign Transaction fee is a fee which will be applied to transactions' that take place outside of the United States; even if the currency used is U.S'. Dollars. It a transaction is in a foreign currency, Visa International or MasterCard International will convert the transaction' into U.S. dollars by using their own currency conversion procedures. The exchange rate will be determined in one of two ways. Either the rate will come from the range of rates available in the wholesale currency markets for the processing date (which may be different from the rate the card association receives) or a government-mandated rate in effect on that date. The exchange rate used may differ from the rate on the date of your transaction. We may charge a Foreign Transaction fee that is a percentage of the U.S. Dollar amount of any foreign transaction as provided to us from Visa or MasterCard. These Foreign Transaction fees are finance charges. The same process and charges will apply again if any Foreign Transaction is reversed. Late Fee: We may charge a late fee if we do not receive at least the required Minimum Payment for any billing cycle by the date and time it is due. If the amount of the late fee iisbased on a balance, we will use the total Account balance at the end of the day that the late fee is charged to calculate the fee. This date may be as early as the due date for the late payment. Minimum Interest Charge: We may charge no less than the minimum interest charge if any periodic interest charge is due for a billing cycle. Overlimit Fee: If you agree to allow us to charge overlimit fees, we may charge such a fee to the extent allowed by law when your Account goes overlimit. We may charge this fee even though your balance is over the credit line because of a transaction we allowed. You have the right to withdraw your consent to our charging the overlimit fee at any time. If you do so, we will stop charging you the fee. Return Check Fee: We may charge a return check fee if: • we stop payment on a cash advance check or balance transfer check at your request, or • we refuse to pay a cash advance check or balance transfer check. Return Payment Fee: We may charge a return payment fee if: • your payment check or other type of payment is not honored, • an automatic debit or other electronic payment is returned unpaid, or • you did not sign your payment check or it cannot be processed. Service Fees: We may charge fees if you request a copy of a billing statement, sales draft or other record of your Account, or if you request two or more cards or any special services (for example, obtaining cards on an expedited basis). However, we will not charge fees for copies of documents requested for a billing dispute. Service fees may change from time to time. We will inform you of the fee in effect prior to when the applicable service is provided. Transaction Fees for Balance Transfers and Cash Advances: We may charge you transaction fees for balance transfers and cash advances. These transaction fees are finance charges and are added to the balance for the applicable category of balance transfers or cash advances as of the date of that transaction. DEFAULT/COLLECTION Your Account may be ina default if any of the following applies: • we do not receive at'least the Minimum Payment by the date and time due as shown on your billing statement. • you exceed your credit line. • you fail to comply with the terms of this Agreement or any other agreement with us or one of our related companies. • we obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time. • you file for bankruptcy. • you become incapacitated or die. If your Account is in default, we may close your Account without notice and require you to pay your unpaid balance immediately. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this Agreement. CLOSING/SUSPENDING YOUR ACCOUNT You may close your Account at any time. We may require you to provide a closure request in writing. Except as required by applicable law, we may close your Account or suspend your credit privileges or any feature on your Account at any time for any reason, including Account inactivity, without notice. If we close your Account or suspend your credit privileges or any feature, we will not be liable to you for any consequences that result; If you or we close your Account, you and any authorized users must stop using your Account immediately and destroy all cards, checks or other means to access your Account or return them to us upon request. You will continue to be responsible for charges to your Account according to the terms of this Agreement. CREDIT INFORMATION We may review your credit history by obtaining information from credit reporting agencies and others. We may report information about you and your Account to credit reporting agencies. If you request additional cards on your Account for others, we may report Account information in your name as well as in the names of those other people. If you think we, have reported information to a credit reporting agency that is not correct, you may write to us using the Cardmember Service address listed on your billing statement. Please include your name, Page 3 of 5 ADV10606 address, Account number, telephone number and a brief description of the problem and a copy of the credit reporting agency report if you have it. We will investigate the matter. If our investigation shows that you are right, we will contact each credit reporting agency to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. COMMUNICATIONS/CHANGE OF INFORMATION We can provide cards, billing statements and other communications to you at any mailing address or email address shown in our records. If you change your contact information such as any mailing address, telephone number or email address, you must notify us immediately in writing at the address shown on your billing statement. Telephone numbers you provide include those you give us and/or those we obtain from caller ID processes. !,Ne may obtain telephone number, mailing address and e-mail address information from you or third parties, and we may accept mailing address corrections from the United States Postal Service. If more than one person is responsible for this Account, we can provide billing statements and communications to any of you. Notice to one of you will be considered notice to all of you. You all will remain obligated on the Account. You agree to pay any fee(s) or charge(s) for incoming communications from us, and/or outgoing communications to us, without reimbursement from us. You authorize us, or anyone acting on our behalf, to call or send a text message to any number you provide onto any number where we reasonably believe we can contact you. These include calls to mobile; cellular, or similar devices, and calls using automatic telephone dialing systems and/or prerecorded messages. We may also send an email to any address where we reasonably believe we can contact you. Some of the legal purposes for calls and messages include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your Account; collecting on your Account; and providing you information about products and services. TELEPHONE MONITORING AND RECORDING We and our agents may listen to and record your telephone calls with us. You agree that we and our agents may do so, whetheryou orwe initiate the telephone call. ENFORCING THIS `AGREEMENT We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future. If any of the terms of this Agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your Account, any amounts you owe us, or any of our rights and obligations under this Agreement to a third party. The assignee will be entitled to, any of our rights that we assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT -:REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE;' WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your Account or this Agreement. YOUR BILLING RIGHTS: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND AMISTAKE ON YOUR STATEMENT If you think, there is an error on your statement, write to us on a separate sheet at the Cardmember Service address shown on your billing statement. In your letter, give us the following information: Account information: Your name and Account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things: 1.Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2.Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that, you are questioning your bill. We musttell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50, (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card Account do notiqualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing on a separate sheet at the Cardmember Service address shown on your billing statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Page 4 of 5 ADV10606 The following describes separate terms for Blueprint payment plans we may offer you, and are not part of your Cardmember Agreement. PAYMENT OFFER - FINISH ITsM AND SPLITsM This Section explains our Finish It and Split plans, which apply if offered to you and you accept it. Finish It lets you select a portion of your balance. Split lets you select a specific purchase. For both, you can establish payments to pay off ahead of your regular schedule. We call both these features your Plan. The amount of the payments you establish under your "Plan Payment" will be shown on your monthly statement. It is separate from your required Minimum Payment. Your Plan Payment will be included in your "Blueprint Payment". This will also be shown on your monthly statement. The Blueprint Payment also includes your required Minimum Payment amount. The actual required Minimum Payment will be shown on your monthly statement. Making your full Blueprint Payment will satisfy your required Minimum Payment. These Plans are optional features of your Account. You must make your required Minimum Payment by its due date. However, not making your Blueprint Payment will not put your Account in default. If you do not pay enough to satisfy at least your required Minimum Payment, your Account will be in default. Then, we may take any of the actions explained in this Agreement. Interest Charges associated with your Plan Balance(s) will be figured the same way as those for the category of balance from which you selected your Plan Balance(s). Even if you make your required Minimum Payment, we will remove your Plan from your Account if you do not make at least half of your Plan Payment (a) for 3 months in a row or (b) for any3months in a rolling 6 month period. Also, if you ask us to, we will remove the Plan from your Account. If your Account is in default, the Plan may be removed from your Account:. If a Plan is removed from your Account, your Plan Balances(s) will move to the category of balances from which you selected your Plan Balance(s). They will be treated asthose;balancesfor all purposes. If there are balances onyourAccount with a higherAnnual Percentage Rate than your Plan Balances, generally we will credit payments overthe required Minimum Payment to balances with the highest rates first. We will then credit lower rate balances in descending order of the value of those rates. This may affect the amount of any payment to be made to Plan Balance(s). PAYMENT OFFER FULL PAYSM This Section explains our Full Pay plan, which applies if it is offered to you and you accept it. The Full Pay feature lets you select one or more types of Purchases to be separated out on your monthly statement. You can pay these in full every month. The total of the types of purchases you pick is called your Full Pay Balance. The amount of the Full Pay Balance is totaled at the end of each billing cycle. It is separate from your required Minimum Payment. The Full Pay Balance amount will be included in your "Blueprint Payment'. This will also be shown on your monthly statement. The Blueprint Payment also includes your required Minimum Payment amount. The actual required Minimum Payment on your Account will continue to be shown on your monthly statement. Making your full Blueprint Payment will satisfyyour required Minimum Payment. If you do not pay enough to satisfy your Blueprint, Payment by its due date, interest on the unpaid Full Pay Balance will be charged. This interest will start on the 1st day of the billing cycle in which you did not make your payment. As long as you make your regular required Minimum Payment by its due date, not making your Blueprint Payment will not put your Account in default. Interest Charges are not calculated on your Full Pay Balance as long as you are active in the Blueprint plan and pay your Blueprint Payment in full by your payment due date. If you do not pay your full Blueprint Payment by your payment due date for 3 months in a row, we may remove the Plan from your Account. Also, if you ask us to, we will remove the Plan from your Account. If your Account is in default for any of the reasons stated in this Agreement, we may remove the Plan from your Account. If a Plan is removed from your Account, the unpaid Full Pay Balance will be treated the same as Purchases. We will apply the Purchase APR interest rate on the unpaid Full Pay Balance beginning the 1 st day of the cycle in which the Plan was removed. Generally, we will credit payments over the required Minimum Payment foryour Account to balances with the highest rates first. We will then credit lower rate balances in descending order of the value of those rates. This may affect the amount of any payment to be applied to Full Pay Balance(s). Copyright ©2009 JPMorgan Chase & Co. All rights reserved. Page 5 of 5 ADV10606 1. = ? ... ? ? . E ^ dLL ? k « y aiLL £ E x w o d z 3 r1 u a ce .? u ?n a n w - x .n .. E - ill E mu z .d c t' - T _ E 4 t< s 4 F P C -S _ .r- LJ 6 C'. a. O 6 ti t m c ?..- s 15 I t? .% N } q q o Y F C -0 -52 ;l I LZ 2! S7, 15 2 'Fs ?! 75 L e^.. J' tl W' .? ) o Em Q. F F 5 Y,) a TL S > ') s5 y KF 61 q 5c 2 T Y IF.& E€ ' E 4 S or -s g. . L7 Qe _ - rlC Y^ G E, 42 ?5 Lb Lu l O _ 0. If F U, L "I t C9 - Y _ up. a; n fir U 3 u u ?. ' ® m { S * ??( am ? a i b F is c , 'd I= Q ?? Ln {{ " - Y E F z t m 12 8 413 +4 4 7 A . im AS E. O ?WSHT ST{; F.G. Hex 7",F98 U.S. Fa?,ta 4'Jiirri!ny"on, H IMO-7198 PAID. IMPORTANT CHANGE IN TERMS NOTICE ENCLOSED - PLEASE REAR c :e cuter -1 Mm iiFl[?1Af AD Ai9FA I?IFIF111£€EFFFE@F@B 1[HIHI[1A14i 11F1 ..«..- .... - 5-DlCiTT 97007 0266-818-00 Sample A. 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These changes will be effective the first day of your billing cycle that includes January t, 2007, They will apply to current and future balances on your account. Please read this notice carefully. If you have questions about it, please contact us at the number on the back of your card. Summary of Changes: • In calculating finance charges; the date when transactions are added to your daily balances and begin to accrue periodic finance charges will be as early as the transaction date The change described in this notice will apply to your account automatically. If you were previously notified of the change described in this notice and it is already in effect on your account, it will continue to apply. Any other terms on your account not described in this notice also continue to apply. Again, please read the enclosed information, and keep this notice for your records. AMENDMENTS TO YOUR AGREEMENT Please note that some terms in your agreement or any amendment may appear with initial capital letters or all lower case letters. Such terms have = the same meaning. For example, "Account" means the same as "account". if you have any questions about these amendments; please co call us at the number on the back of your card. The following changes will apply automatically: FINANCE CHARGE CALCULATION. The "Periodic Finance Charge Calculation" or "Finance Charge Calculation" section of your Agreement is amended to replace, in the portion that explains how we calculate the daily balance for each transaction category or feature, the sentence(s) that describes when new transactions are added to the daily balances and begin to accrue finance charges. The revised terms are as follows: We add anew purchase, cash advance; balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. GRACE PERIOD. The "Grace Period or "Grace Period and Accrual of Finance Charges" 'section of your Agreement is amended to replace the sentence that describes when periodic finance charges begin to accrue on transactions; fees and other finances charges. The revised sentence is as follows: 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 received on your account. 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E.m i .L- m N C w O- Y. > m E >' ' m 0 m F U ° G d Tom. w c w Y w w E . O 'O No>c? Yea.-c•,? °Ew3>E w > °N C m E U O U.?-•' C_t'' o L w C w C oEcm w ° cam. 5 p N ` U y G E "°.• w T7 C O >? w M N C w p ?0 m L) a) - c y c u= a`45 7- En6.- C R y ac ? ti Q y L: m m y m o C m ID c a 3? E ° J, w , v U ° a 'O C U IQ O IO ,?N,,.? y.U'w f_ w w E.3 U. 15 i l< E< a m O ?. y i E ?` s m c L t c >• a- : E cc N. w C ? • N m 0 .? m O"d ='- . R•C G w => Y.c-. . E j m W E T E CC VC w R 2 < O ?= ~ O _ ` .2 y & Ey ?G Eyay Ow , U wm o ui ° c m o U5s aX o m E o` c w o m w Uj L Ql m Z2 O y o a m c.._ a _ a -. + F r Q •N G w z?y C - . OX fO t `Dm ?? ?yw'NmyOU ..L m . _, a `yam G `? U EN ti Z G'y uj Q m L y _ R a c A m )L"'!)w Rw O'N •w.? co ?. Ln O NO d NN Y a) 11J -,-j w C, m O w rl T N G O' .Y m -O y a.+. j` E .G ?. w vN+ > O U m >'C m w >. G ""..u d ?O . aw w o E U C cm w O ~ fl.. ~ w E 0 +°+ O. C w R w m y N C° N h c m ? nw E a CwJ L w aa Sao . d A Y o- ° . ° a"= m m o w c 3= fl c r tr c c > c c c ?;:- mz c U n w ,m ° m rn G' _ w C rl Z O) O p V- w O .0 C. U G -.2.s U i 0 >a. O .O U NJ i> N.. m U w .f N .. O E Cy Q ? m TL -? ` N ..y O 0 a . ? ..G M C m a C !V > w ' w w ti O N O U a"i v•- `° ?aawi c -`°= .v w c c c S O w +-+ ..ns c H > , O E o 0, L.O'C Y O:m O O fO t 7O O O, w Q,U a V F- O.m. ? m u) w r2 14 m r -'o IADV2227L.ps 11/24/04 7:56 Page 1 RATES AND FEES TABLE (This table may also be referred to as the Pricing Schedule) IMPORTANT: KEEP THIS RATES AND FEES TABLE WITH THE OTHER PART OF YOUR CARDMEMBER AGREEMENT THAT IS ENCLOSED. Rates (APRs below are Annual Percentage Kates) Default APR Up to the Prime Rate" plus 23.99%, currently 28.49% (0:0780590 daily periodic rate), The default rate may apply if you fail to comply with certain terms described in the "Default' Rates" section of the enclosed Agreement. The default rate may also be referred to as the Non-Preferred Rate. Overdraft Advance APR 13.99% fixed APR (0.03833% daily periodic rate). The overdraft advance rate applies for overdrafts on eligible checking accounts with one of our related banks. Variable Rate APRs' All variable interest rates will be calculated using the highest (U.S) Primer Rate published in the Money Rates tablE: section of The Wall Street Journal two business days before the Dosing Date shown on your billing statement, as described in the Variable Bates section of the enclosed Agreement. In calculating any variable rate APR on your account, we will add to the Prime Rate the same margin(s) presently in effect' under your existing Cardmember agreement. All of those margins are made part of this Agreement by reference. All other interest rates (APRs and the corresponding periodic rates) on your account under your existing Cardmember agreement remain in effect and are made part of this Agreement by reference. Promotional and introductory APRs (including for promotional and introductory purchases, balance transfers and cash advances) remain in effect under the terms of the promotion(s). Standard APRs may also be referred to as Preferred Rates. The interest rates for balance transfers apply to balance transfers and balance transfer checks, and the interest rates for cash advances apply to cash advances and cash advance checks. *Estimated variable APRs above are based on the 4.75% Prime Rate on Fees and Finance Charnes Cash Advance and Cash Advance Check Transaction Fee FINANCE CHARGE 3.00% of transaction, (minimum fee of $10.00 and no maximum) Balance Transfer and Balance' Transfer ;heck Transaction Fee FINANCE CHARGE 3.00% of transaction (minimum fee of $5.00 and maximum of $75.00) Minimum FINANCE CHARGE $1.00 (If any Finance Charge is payable for a monthly billing cycle) Annual Membership Fee If an annual membership fee is part of your existing Cardmember agreement, the fee amount remains the same and is made part of this Agreement by reference. Late Fees: $15.00 if the Balance s up to but not including $250.00 $39.00 if the Balance x$250.00 and over However, if the default rate is in effect on a monthly statement, we may charge a late fee of $39.00 regardless' of the amount of your Balance. "Balance means the Previous Balance on the statement that shows tLe late fee. This fee may also be referred to as the late payment fee or charge. Overlimit Fee $35:00 Return Payment Fee $35.00 This fee may also be referred to as the Returned Payment Fee. Return Check Fee $35.00 This fee may also be referred to as the Declined' Check Fee or the Stop Payment Fee. Administrative Fees: Copy Fee $5.00 per copy; $10.00 per original sales slip. Card Replacement Fee $10.00 Expedited Payment Fee $14.95 12/04 ADV2227 -t ADV2227 Portfolio 1204 Portfolio Cell #: ? 9 Creative Pkg:Chase-Dec Mail Date!:? Last Edit Time: 11/24/04;7;56:23 PM Current Time: 11/24/04; 7:56:26 PM User name: sysman2* Page width: 3.500 in Page height: 8.500 in Fonts: ZurichBT--B oldCondensed ZurichBT-RomanCondensed ZurichBT-ItalicCondensed Colors on this page/spread: Black Important: Colors will not be listed accurately if images are missing. Images: E O TW 6£ oa .-I g?pS Q O?.n ? 3 U .-. V? 9 'S re. w°N?N Um € I fr? C ?e Cd G? d mi E nil ?R?P?gfrp ?Ggyyg ??? ?x{RE ?D ???D "K KIM 33 CC $ fi ?$..Y??..Ggg q??3`p%SYqggS 9 s Esa ?. R ? 3'°?#?pe?TSna?g? P 9?3 M?3? e ? FA? P 3a? u. is A, I HIM HUM -lip I ggm - su s F" ?a` a 3g ab frW.a all Ds g '. xp g Igo ig 5 5 t e a s e n frfrp p$? P Pgg M hy J!. 3$?Tfr# pit In In F off.. sF" ° ? 9g$ ?€ M ?W? WIR, I,M?Mjp I'M ji g-A y agog€gB°#Ej i ?_$W 135 H ?° U M 9?? ¢° E SS?Si S E? P9g R Ep $, E'u ` Pgb gg F 3i Dx S 5 C ?p a IMIQ ''°€ 'a 'S C ? .Y.k 'fry s'?4. 'an8?4 u'S A $"?pp"?''YP$$?HI ??p???P?sS g€ ps@P'$ lid. $ fr 1eguin: it 5 10 S WHOM ;S7 bg ' x %P gS ¢ 3 M ? 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QFB?g Sfia$3 ?aE Xan?F? 3 CHib ?g fray ¢F ?$? ?gx f a' eat gFngg ?g$3 a?. ?"' 3?rn?3??a ?s ? ?efr s MIAMI Rg P!1 qq ,Nil Ing'. 5?i. i Mg 1 s fi 40 §1 e s § Uhl im "Ru UIN4 $U€ ? MT 0WHO an ?M qq$ ,jWJjjQ P10 "a Wilms 11-1 a -s 1ga € N a 3k ?' ?;d Y q z 1 HI tog. E IM-11 O 3- h a .'_ d June, 2004 CCS10616 CHANGE IN TERMS NOTICE We would like to explain certain changes in the terms of your Cardmember Agreement ("Agreement"). Some of the terms in this Notice may already be in effect on your Account. The changes described below will take effect for billing cycles ending August 1, 2004 and thereafter. The changes will apply for all applicable existing and future balances on your Account. Please read below about your right to choose not to accept certain changes described in this Notice. The following change will apply automatically to your Account. Expedited Payment Fee. The Expedited Payment Fee described in your Agreement will be changed to $14.95. This fee may be charged for each payment that we make on your behalf. The following changes will apply to your Account unless you choose not to accept them as described later in this Notice. Regular Preferred interest rate for Advances. The regular Preferred interest rate for Advances will be changed to equal a variable rate of the Prime Rate Index plus 15.99%, with a minimum rate of a nominal ANNUAL PERCENTAGE RATE of 19.99% (daily periodic rate of .05477%), The Variable Rate section of your Agreement applies to this rate. The Prime Rate Index is the highest Prime Rate published in the "Money Rates" table of The Wall Street Journal on the last business day of each 'calendar month. The new regular Preferred rate for Advances may vary based on changes in the Prime Rate Index, subject to the minimum rate. Based on the current Prune Rate Index, we estimate that as of the effective date of this change your new.regular Preferred rate for Advances will be the minimum,rater (19.99% APR), Regular Preferred interest rate for Advances not changed for certain accounts. If your current regular Preferred interest rate for Advances is a variable rate that is higher than the Prime Rate Index plus 15.99%, of if it is a fixed rate that is higher than 19.0% ANNUAL PERCENTAGE RATE, then the new regular Preferred interest rate for Advances will not apply to your Account and your current regular Preferred interest rate for Advances will remain m effect. Non-Preferred interest rate, The Non-Preferred interest rate on your Account will be changed to equal a variable rate of up to the sum of the Prime Rate Index (described above) and 21.99%. The Non-Preferred rate applies to all balances on your Account 003334 when it is not in good standing under the conditions described in your credit line, will be changed as follows. First, this Fee may the "Preferred Customer Pricing Eligibility" section of your apply if your Account balance is over your credit line at any time Agreement: The Variable Rate section of your Agreement applies during abilling cycle., Second, this Fee will be changed to be $35 to the Non-Preferred rate,. and the rate may vary based on changes regardless of whether !Preferred or Non-Preferred interest rates in the Prime Rate Index, Based on the cirrent Prime Rate Index, (described in the "Preferred Customer Pricing Eligibility" section we estimate that as of the effective date of this change your new of your Agreement) are in effect on your Account. The "Overlimit Non-Preferred rate will be a nominal ANNUAL PERCENTAGE' Fee" section of your Agreement will be revised to read as follows: RATE of 25.99% (daily periodic rate of .07121%). Overlimit Fee. If your Account balance (including any ? Special Rates. The portion of the "Special Rates" section of Finance Charges and any fees and charges owed on your your Agreement that describes how you may lose a special interest Account) is over your credit line at any time during abilling rate or a regular interest rate is revised anc will be as follows:' "Any cycle, you will be charged an Overlimit Fee of $35. This fee special rate offered to'?ou may Change to your regular Preferred will be imposed only once during the billing cycle, but will Pricing rate if you fail to make any required minimum payment on be imposed in each billing cycle that you are over your credit your Account by the Payment Due Date or if your Account is line even if we authorize the transaction that causes your closed for any reason. Any special rat- offered to you or any credit line to be exceeded, regular Preferred Pricing rate may change to your Non-Preferred rate if you fail to mee: the conditions of the "Preferred' Customer If the Overlimit Fee is currently not included in your Agreement Pricing, Eliibiliro " section of this Agreement." The remainder of terms, it is notapplicable to your Account and the change in the this section is unchanged, Overlimit Fee described above will not apply to your Account. ? Balance Transfer Fee; The Balance Transfer Transaction Your rights regarding the changes you can choose not to accept. Fee described in your Agreement for any balance transfer offer we The changes, described above in this Notice which you can choose make to you will be changed to be a maximum of $75. This Fee ' not to accept will not become effective if you send us a written may be reduced or waived in our sole discretion in any offer we letter stating that you choose not to accept them, in which case your make to you. Account will be closed to further use (if it is not already closed). Late Payment Fee. The Late Payment Fee described in your ? we' must receive this letter no later than July 25, 2004. In your Agreement will be changed as follows. The Late Payment Fee will letter please include your name, address, account number and a be determined based on the Previous Balance on your monthly statement that you do not want those changes to apply to, your statement that shows the Late Payment Fee. That Previous Balance Account, Your letter must be mailed to Chase Manhattan Bank is the closing balance of your prior monthly statement for which we USA, N.A., P.O. Box 15193.. Wilmington, DE 19850.5193. If your did not receive tibnely payment. The Late Payment Fee will also be letter is received by July 25, 2004; those changes will not apply to determined based on whether or not a Non-Preferred interest rate is our Account and ou must off any outstanding balances on y y pay Y g in effect on your monthly statement. The late Payment Fee will: be: your Account under your applicable Account terms. Previous Balm Le Late Fee Please retain this Notice for your records, up to $250°00 .... ' ... $15 $250:01 or greater .. ....... ....... . $35 Copyright ©2004 J.P,Morgan Chase. & Co. All Rights Reserved: Non-Preferred rate in effect ........,... $35 This fee is owed if we do not receive the required minimum payment in accordance with our payricnt instructions, by the Payment Due Date and the lime of day shown on your monthly statement. • Overlimit Fee. The Overlimit Fee described in your Agreement, which applies if your total Account' balance is over 003335 Statement iOr account number: 54016630 1490 0611 New Balance Payment Due Date Past Due Amount Minimum Payment $11;005.46 12121105 $0.00 $220.00 ?Makoywr diwk payable to chow Card Servlo.a Amount Enclosed S N. add es, as-mail? Print on back. CHASE 0 EEnroN 016111 the rional PaYnlent I'rotecl Plan. I r, d I nd the doagtl over and may oan0eT. ante. 54016830149009110002112000011005455098079 6 MENIx 2336030 LISA M MCLAIN 487 HIGHLAND CT CARLSLE PA 17013.3935 1. 11, ills. 41, it 11.11 11111.1.1111 Is 111.1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 1-111..rill1.uAll. 111.. 1181.1 111 allIAlh1111.19.111.1111 1:50001160281: 209 30 149009 i i911a Statement Date: 10/27105.1126/05 CUSTOMERSERVICE Payment 2000 3 9 -3 1 M CHASE O Payment Due: M 3 0 I $ Eep. -888 6 TDO 1-800-955.8060 Outside U.S. cell collect 1-302364-8200 MASTERCARDACCOUNTSUMMARY Account Number: 5401563014900911 Poe NTIIN UIRIES Previous Balance $11,183.02 Total Credit Line $12,100 Wilmington. DE 19050.5296 $1.094 Payment, Credits. 5250.00 90 s +$23 Available Credit Cash Acceas Una $4.840 PAYMENT ADDRESS . Purchases, Cash, DOCit Finance Charges +$38.53 Avalilabletor Cash $1,094 P.O.Box 15153. Wilmington, OE 168883153 11,004.45 New Balance , VISIT US AT: www Mace 90=2ditmrd115 Item was transtened irom lost / stolen ac 1. TI Vfr1/ For CashBuildw Es newAnpc of AM Ac $0.94 CUStamer Sangcs, Cal 1-600-945-2000 Previous rewards bfll1ln0e $0 .06 Rewards earned on purdhaeea $0.06 Bonus rewards owned on purdhasas $1.06 Rewards earned this Year 06 $7 Remaining rewards balance . Remember with Chase CashBuilder, you can gam up to 2% on yow Chase credit card purchases TRANSACTIONS Amount Trans, Date 'flelerentx• Number Merchant Name or Transaction Description Credit Debit 3.(110 11114 .55432865318000676545976 NTWX'AOLSERVICE 1106600-827364 NV 250.00 11/14 13183182723657146100004 APAYMENT-THANK YOU FINANCE CHARGES i FINANCE 'Dairy Periodic Rate Corresponding Average Daily Balance Finance Charge Due on Transact Fee CHARGES Category 31 days in cycle APR To Panodc Rate $308 Purchases V .03285% 11.99% $301.92 00 $0 $3.08 $0.00 $0.00 $0.00 $0.00 Cash advances V .06298% 22.99% . 00 $0 $0.00 $0.00 $0.00 Convenience check. V .03265% 11.90N.. . $e 9? $30.13 $0.00 $3013 Promotion .01094% 01094% n ti 3.88% 3.99% . . 2,29 $64 $$218 $000 0 $2.18 17 $1 s . Promo o Promotions, .00546% 1.99%.. $691.71 $1.17 97 $1 $0.0 $0.00 . $7.97 Promotions ,010049!, 3.99% $580.53 . $38.53 Total finance charges Effective Annual Psrcw t ge Rate (A,PR): 4.16% Please we reveree side for balance computation method, grade period, and other important information. The Corresponding APR isthe rate of imerest you Pay when you carry a balance on any transaction category. The Effective APR reprasenle your total finance charges- including trerroacton fees such as cash advance and balance transfer fees - expressed as a percema9e. IMPORTANT NEws There is stll time to earn en addiional 1 .on eligible restaunsm. gas ataton, grocery store and ding store 8364508 purchases through 12/31/05. Some exclusions apply. Call us or vlail us at wwW chaealoVelhedoude.wm to learn more. This Stattement is a Facsimile - Not an original Xwoooo. FI9333M0a 000 k z 20 05AI20 Pag.1e3 058M AMW4/272 3MOOoo09000112Vci 6of141 Statement for accourd number: 5411016630 1490 0911 New Balance Payment Due Date Peat Due Amount Minimum Payment CHASE O $10,817.62 011`2045 $0.00 $216.00 Makeyour check payable to Chase Card 8arvfoes. PnroI main the o0. al Amount Enclosed Now address or e-mail? Print m back. atan fiynne t nd e the dodF' PPlan. I undar mdce ed offer end may cenrel any time. DURr- 5401683014900911DOD21600010817625116560 2mosamzaecos0 I.1.11111..I.J.L.L.IL..LL..?ILLL..ILd11.r11. 1 1 G.I LISA M MCLAIN 487 HGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17012.3935 PO BOX 15153 WILMINGTON DE 19886.5153 I...IIb.JIInn.Jl..llnld6LlnnIL.LLInL6.J.JLI 1:5000 L60 28I: 209 30 149009 L L911a rp,,?/?? Statement Date: 1 U27106 .12126106 CUSTOMER SERVICE CHASE O Minimum Peymerll Due: $216.00 Espanol 1-00840-3300 TOD 1-000-955.6060 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301490 0911 ACCOUNT INQUIRIES Previous.ealance $11,00646 Total Credit Una $12,100 P.O. Box 15298 Payment, Credits -$225.00 Aveitable Credit $1 282 Wilmington, DE 19850.5298 Finance Charges. +$37.17 Cash Access Una $4,840 PAYMENT ADDRESS New Balance 10,817.62 Aveilab1910r Cash $1,282 P.O, Bo% 15153 Wilrn gton. DE 19886-5153 VISIT US AT: www: chase.oorryereclitmr is QACUO.111 neo RFWARna PLAN ACT IVITY For CashBuildw Previous rewards balance $1.06 Customer Service Call 1-800-945.2000 Rewards named on purchases $0.00 Rewards earned this year $1,06 Reward. redeemed this stale .nl $1.06 Remaining rewards balance $0.00 Congrelustions' You will receive your CruhBuilder rebate check in the mail soon. Remember,. your Cam Builder rebates odd up fast when you use your Chase Credit card for all your purchases -- everywhere your Chase credit card is accepted. You can earn up to 2%m purchases. TRANSACTIONS ' Trans Amount Date Reference Number hMvdtard Name or Transaction Description Credit Debit 12713 13473472724372459100004 25.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance. Charge Due Transaction FINANCE Category 30. days in cycle APR To Periodic Rata Fee' CHARGES Purchases V .03354% 12.249E $31997 $3,21 $0.00. $3.21 Cash advances V .06369% 23.24% $0.00 $0-00 $0.00 $0.00 Convenience check' V .03354% 12.24% $0.00 $0.00 $0.00 $0.00 Prornolions .01094% 3.99% $8,881.05 $29.15 $0.00 $29,15 Promotions .010949E 3.99% $642.17 $2.11 $0.00'. $2.11 Promotions .00546% 1.98% $477.99 $0.79 $0.00 $0.79 Promotions .01094% 3.99% $580.44 $1.91 $0.00` . $1.91 Total finance charges $37.17 E"ective Annual Percentage Ravi (API9): 4.09% Ptesse we reverse side for balance computation method, grace period. and other important information :Corresponding APR:?lath$ role of im8real you pay when you carry a balance many transaction category Th Tha Etlecfive APR represents your total finance charges -including transaction fees such as rash advance and belence translsr fees - expressed as a percentage. IMPORTANT NEWS Send sensational season's greetings with unforgettable gihatrorn 1-800-FLOWERS.COM(R)I Gat 15%otl yourpurchase of Leah flowers, gourmet giti baskets, gorgeous wreaths cemsrpieces and more when you use promotion code BANK43. 8364508 *For deta'.ls please visit WWW. 180OF LOWE RS-CO MIDISCLAIMER. This Statement Is a Facsimile - Not an original X 0000D01 F1333335 D 0 000 ' N 2 26 . .5n21d. Pg. t d3 axes NA- 2e305 3.M o00oooo002e30501 32 of 141 Statement for account number: 54016630 1490 0911 New Balance Payment Due Date Past Due Amount Minimum Payment $10.555.61 02/20/06 Iiom $211.00 Mast. your dfeek payable to Chase Card Bervloe% Amount Enclosed ?Naw address or e-mal? Pntx an back. 540168301490091100021100010555815134682 3)5039Ex 2 02006 D LISA M MC W N 487 HIGHLAND CT CARL SUE PA 17013-3836 CHASE O pomfenme in the %ronal 1 un"d I Protect ?doe9, after erM may canceany snhe. CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198863153 1:5000160 288: 209 30 149009 i 19ne Statement Dale: 12/27105-01/26/06 CUSTOMERSERVICE HAS O Payment e Data: Pa 02r2 In U.S. 1-15()OwM-2000 C E inknum yment Due: M $21100 Espefol 1-8884463308 TDD 1.800455.8060 Outside U.S. call collect 1302-594-8200 MASTERCARD ACCOUNT SUMMA RY Account Number: 5401 88301490 0911 ACCOUNT INQURYE3 Box 1-U. IDevo Previous Balance $10,617.62 Total Credit Line n, DE $12,100 Wil Wilmington, DE 19850-5298 Payment, Credits -$300.00 Available Cre l $1,yµ Finance Charges +$311.19 Cash Arxsse Una $4.840 PAYMENT ADDRESS New Balance 10,55:11 Available for Cash $1.544 P.O. Box 15153 Wirninglon, DE 198883153 VISIT U8 AT: www msse mrNCred t arda CACHR II DER REWARDS PLAN ACTIVITY ForCashBuikler Previous rewards balance $0.00 Customer Service Cal 1.800.945-2000 Rewards earned on purchases $0.00 Rewards earned this year $0.00 Remaining rewards balance $O.do Remember with Chase CashBtilder, you can earn uplo 2% on you Chase credit card purchases. TRANSACTIONS Trans Amount Dale Reference Number AArrcham Nerve or Transaction Dascnpson Credit Debit 01120 g $300.00 FINANCE CHARGES Deily Periodic Rine Corresponding Average Daily Balance Finance Charge Due Trenaedion FINANCE Category 31 days in cycle APR To ,PariodicRate Fee CHARGES Purchases V .03364% 12.24% $322.25 $335 $0.00 $3.35 Cash advances V .06368% 23.24% $0.00 $0.00 $0.00 $0.00 Convenience check V .03354% 12.24% Woo $0.00 $0.00 SO.Do Promotions .010941A 3.89% $6,888.14 $30.15 - $0.00 $30.15 Promotions .01094% 3.99% $642.69 $2.16 $0.00 $2.10 Promotions .00546% 1.99% $316.61 $0.54 $0.00 $0.54 Promotions .01004% 3.99% $580.90 $1.97 $0.00 - $1.97 Total finance charges $38.19 Effective Annual Percentage Rote (APR): 4.28% Please see reverse aids for balance computation method, grace period, and other important irtiormafion. Th a Corresponding APR is the rate of Inte•eat you pay when you carry a balance on any transaction category. Th e Effective APR represents your Iola] finance charges - including iransaclon vies such as cash advance and balance Vanslar fees - expressed as a percentage. IMPORTANT NEWS A New Year's resolution that is easy to keep: Use your CashBuilder card lor all of your purchases. Earn cash back for every purchase you milks. Remember. you will receive you cash reward automatically aedl year, so sit back and watch . you reward add up. 8364508 This Statement Is a Facsimile - Not an original R ODOODDI FW333506 ODO N Z 20 060196 Pge1 013 05M MAMA 37503 044 OMOOD00375001 138 of 141 Statement for account number: 5401683014W 0911 New Balance Payment Due Date Past Due Amount Minimum Paymem .$10,369.50 03123/06 $0.00 $207.00 Makayeureheak payable to Chase Card Servbma Amount Enclosed Mw address ar a-msil4 Pries on back. 540768301490091100020700010369605150229 51703 am 209060 LISA M MCLAIN 487 HGHLAND CT CARLISLE PA 17013-3936 11,JI1pr111...Mlh.I63rlirid....1631r11lUtllntln1ltl CHASE 0 Enroll me in the aod'O' net Payment Protect 1 Ran. I understand the eftdoe01 or end may cenoel em ante. La111rininir Inlnl?nr?hluulirlrirn ?lh rlrlu3?ln?lrel CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE /0806-5153 1:5000 L60 2131: 209 30 449009 4 1911• Statement Dale: 0127106 - 02126/06 - CUSTOMER SERVICE CHASE O. e Dale: 7 um e $ U 00 In U.S 1-60845.2300 ment Du Minim Pay : 446.3308 Espefbl 1-888446-3308 TOO 1.800-955-9060 Outside .U.S. call collect 1.302384-8200 MASTERCARDACCOUNTSUMMARY Account Number: 5401 MO 1490 0011 ACCOUNrr INQUIRIES Pravlom Balance $10,665.aI Total Credit Lin. - P.O. 15298 $12,100 Winmi80k n DE DE 19850.5299 Vhlrg ton Payment. Credits -$225.00 Available Credit . . $1,730 'Finance Charges +$36.79 Cash Access Line $4.940 PAYMENT ADDRESS New Balance 10,369.60 Available for Cash $1.730 P.O. Box 15153 WI-gton, DE 19986-5153 V184T'US AT: 1vww. Chase: m rtycredit®r tla [_A-SHBUILn R R W Rnc PLAN ACTIVITY For Cash Builder Previous rewards balance $0.00 Customer Service Call 1-800-945-2000 Rewards earned on purchases $0.00 Rewards earned this year $0.00 Romeining rewarda balance $0.00 Remember with Chase CashBuilder- you (gn earn up to 2% on your Chase credit card purchases TRANSACTIONS Trans Amount Date. Reference Number M.nxhsm Name or Transaction Descnplion Credit Debit 02120 10510512726134756600008 $225.00 FI NANCE 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 .03422% 12At1% $437.00 $4.64 $000 $4.64 Cash advances . V .06436% 23.40% $0.00 $0.00 $0.00 $0.00 Convenience check V .03422% 12.49% $0.00 $0.00 $0,00 $0.00 Prortotions. .01094% 3.99% $5,045.04 $30.00 ... $0.00 $30.00 Promotions .01094% .3.99% $642.74 $2.18 $0.00 $2.18 Promolions. .01094% 3.99% $580.95 $1.97 11.0.00 $1.97 Total trance charges $38.79 Effective Annual Perwntage Rafe (APFI): 4.43% Please sea Information About Your Account section for balance computation method. Grace period, and other important imormalion. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effectve APR represents your total finance charges - including Intinse09on lees such as cash advance and balance transfer lees - expressed as a percentage. URGENT: This month, valued cardmembers have been issued a Thank You worth upto $100 entitling you to a full year of three magazines. They've already been reserved for you. Ouantities are limited, so call. by 04/1406 to daim your Thwk'You of up to $100 and for details. 1-800-882-6318. 3GX Thank you for being a valued Cardmernber. 8364508 This Statement Is a Facsimile- Not an original X0000001 FIa3333505 000 N Z 26 06,0726 Pa0at e3 056sa MAMA 54703 091000005DDOMA?MM 88 of 141 Staten lIGnt for account nurnber: &1016830 1490 0911 New Balance Payment Due Date Pant Due Annum Minimum Payment $10,153.97 04/20106 $0.00 $203.00 Makeyour chw* payable to Chow Amount Enclosed ?N&N address or 9-rt aI? Part on bsck C 9eMa? 5401683014900911000i!0300010153975169394 37511 am z 08508 d LISA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 CHASE O P?hrdolllrr mein then onal VI . %. oner?end ? ?Y anY CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 199.111 ... II I......I I.. II...11.1161111101.1161111.11111161 1:5000 L60 281: 20930 149009 L L90 Statement Date: OV27106.03126/06 CUSTOMER SERVICE CHASE O m? mm $20 Mi ;,r Due. 3.00 Esparal 1.866.4463308 TDD 1.800455.8060 Outside U.S. call collect 1-302-694-9200 MASTERCARO ACCOUNT SUMMARY Account Number: 5401 66501490 0911 ACCOUNT INQUIRIES Previous Balance $10,360.60 Total Credit Line $12,100 P.O. BOX 15296 NAlrtdn DE 19850.5298 lon Payment, Credits -$250.00 Available Credit g , $1.846 Finance Charges +$3417 Cash Access Line $4.540 PAYMENT ADDRESS New Balance 10,1537 Available for Casty $1,946 P.O. Box 15153 Wimington,DE 10686-6153 VISIT U9 AT: www.dheae. mnVdreditcerda CASH$Im D R REWARD-, Pt. AN ACTIVITY For CashBuilder Previous rewards balance $0,00 Customer Service Call 1-800.045-2000 Rewards earned on purchases $0.00 Rewards earned this year $0.00 Remaining rewards balance . $0.00 Remember with Chase CashBulder, you can earn upto 2% on your Chase credit card purchases TRANSACTIONS Trans Amount Dale Reference Number m&rcham Name or Traneaction Descnpson Credit DOW 03117 21076076272680536 MEN I - [HANK YOU 630000 $250= FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 28 clays in cycle APR To Periodic Rate Fee CHARGES Purchases: V .03422% 12.49% $14144 $4.23 $0.00 $4.23 Cash advances V .06436% 23.49% $0.00 $0.00 $0.00 $0.00 Convenience check V .03422% 1249% $0.00 $0.00 $0.00 SO= Promotions .01094% 3.99% $6.61514 $26.39 $0.00 $26.39 Promotions .01064% 199% $642.34 $1.97 $0.00 $1.97 Promotions .01094% 3.90% $580.58 $1.76 $0.00 $1.78 Total finance charges $34.37 Etftctive Annual Percentage Raft (APR): 4.01% Please 9" Information Abotn Your Amount 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 aelegory. The Etlecive APR: represents your total finance charges - including transaction Im such aas, cash advance and balance transfer fees - expressed as a parcemags. Final Cardmember Rewards Notice before May 10, 20061 As a valued Cardniember, you're entitled to Rewards valued up to $170.001 You must act quioldy. Ouantities are Imted. So log on now for details and to claim your magazine Rewards valued up to $170.001 www.321mags.com/Rewards. 8364508 This Statement Is a Facsimile - Not an original X0000001 8953335 0 f 0 000 N Z 28 08.0328 P.C.1 of 3 OWN MAMA 37533 06310000100003M301 134 of 141 Statement for account number: 5401 NXI 1490 0911 New Balance Payment Due Date Piss Due Amount Minimum Payment $9,941.18 051'21/06 $0.00 $168.00 MNceyour cheek payable to Chose Cud Services Amount Enclosed Nnw address are-nil? Print on back. 54016830149009110DD;19800009941195192578 CHASE 0 .,,11 mein the g0onal l me nt Protect Paan. Piay T.Clo offer end may cen% LI5easao 6..IILL.L.1.1..L.ILrrl.LrrrILLL..11..LL..IL.ll,a LISA M M MCL MCLAIN 487 HIGHLAND CT CARDMEMBER SERVICE CARLISLE PA 17013-3635 PO BOX 15163 WILMINGTON DE 19886-5153 1:5000 L60 2Bt: 209 30 1.49009 L 1.911' Stalommi Dale: 03/27106 -04!26!06 CUSTOMER SERVICE c C1..? ASE 0 ni , ¦ Mi mum Payment. Due: $199.00 Espi hol 1-868-446-3308 TDD 1.600.955.8050 Pay by phone 1-800-436-7968 Outside U.S. call collect 1-302-594.6200 MASTERCARD ACCOUNT SUMMARY Acroum Numbs: 5461 600 1490 0911 Previous Balance $10,153.87 Total Cradit Line $12,100 ACCOUNT INQUIRIES 15288 Payment, Credits -$250.00 Available Credit $2,168 ' Wilm W l t OE 19850.5286 n t Finance Charges a$37.22 Cash Access Una i ng i g on, on, $4,540 New Balance B,Bg1,19 Available lot Cash $2,150 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 18886-6153 VISIT US AT, www.chaee mm7creditcards CASHBUILDER REWARDS PLAN ACTIVITY For CashBuilder Previous rewards balance $0.00 Customer Service Cal. 1-800.945-2000 Rewards gamed on purchases $0,00 Reward earned this year $0.00 Remanng rewards 0slence $0.00 Remember with Chase Cashaulder, you (an earn up 10 2% on your Chase credit card purchases. TRANSACTIONS Trans Amount Date Reference Number Mircham Name or Transaction Description Credit Debit 04107 10970972727399271600002 PAYMENT-THANKYOU 250.00 FINANCE CHARGES Daily Periodic Rate Careapondino Average Daly Balance 'Finance Charge Due Transaction FINANCE Category 31 days In cycle APR To Periodic Rate Fee CHARGES Purchases V .03491% 12.74% 9445.97 $4.83 $0.00 $4.83 Cash advances V .06505% 23.74% $0.00 50.00 $0.00 $0.00 Convenience check V .03491% 12.74% $0.00 $0.00 $0.00 $0.00 Promotions .01094% 3.96% $6,325.70 $2x.24 $0.00 $28.24 Prortalions .01094% 3.96% $641.75 $2.18 $0.00 $2.18 Promoliors .01094% 3.99% $580.05 $1.87 $0.00 $1.97 Total finance charges $37.22 Effective Anetusl Percentage Rate (APR): 4,118% Please see information About Your Aocoutt section for balance computation method, grace period, and other important information. The Corresponding APR is the rata 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 transfor lees - expressed as a percentage. IMPORTANT NEWS My Wines Reserve provides an inside look at wine from around the heorld. Receive $10 oil every order, tree shipping and much more all for just $8.99 per month. Call 1-888-855.5762 to small and receive a wine sample pack CPP N.A. offers My Wines Reserve and is not affiliated with Chase. 8364508 This Statement Is a Facsimile - Not an original x( 0000026 F0.3333507 000 N z e6 05"Q6 'Pq.1 03 O w rM-M s 11®10000070006155601 96 of 141 Statement for account number .14016030 1490 0911 Now Balance Payment Due Date Peet Due Amount Minimum Payment CHASE O $8,727.00 0620106 $0.00 $16400 Erxme nonal 1lakeyourcheek payableto chasecard s-Aws, pa rit in o the ARur Amount EnciDaed' New address or a-mrl7 Prim an back, I ro erro Yo Bland the 7e tdo96d Offer may Car1C81 any bme. 54016830149009110DD19400009727005205250 91171 11"Z1410110 L.JILIh.LhL1.hLJ1h.JJ....ILLL..IL.IJ..JL.ILJ. LISA M MCLAIN 487 HIGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17013.3635 PO BOX 15153 WILMINGTON DE 16886.5153 I I I I...I lh.....11..11...11.1.1....11..1.LI..i.I..J 1.11.1 1:5000 L60 2131: 209 30 149009 1 1i911a Statement Date: 04/27106.05f26N5 CUSTOMER SERVICE CHASE O Dale: mt Due M n 94 $ i im paym ent Due: 1 00 Espai6l i-N9?6-x100 TOD 1-800-655.8060 Pay by phone 1-800.436-7650 Outside U.S. cell collect MASTERCARD ACCOUNT SUMMARY Account Number: 54M Ill 1460 0611 1.302-564.8200 Previous Balance $8,941.16 Total Credit Line P O $12,100 ACCOUNT INGIIIRIE3. Box 15299 Payment, Credits -5250.00 Available Credit . . $2.373 W.Indnglon DE 19650-5208 Finance Charges 435.81 Cash Access line , $4,1140 New Balance 9,7-e.7 oo Available for Cash $2,373 PAYMENT ADDRESS P.O. Box 15153 Wilnhington. DE 19886-5153 VISIT US AT: www chase mrNcre6tcards CASHBUILDER REWARDS PLAN ACTIVITY For Casheuilder Previous rewards balance $0.00 Customer Service Call 1.800.945-2000 Rewards earned on purchases $0.00 Rewards eemed this year $0.00 Remaining rewards balance $0.00 Remember with Chase CashBUlder, you .gin earn up to 29/. on your Chase credit card purchases TRANSACTIONS Trans Amount Date Reference Number. Merchant Name or Transaction Description Credit Debit 05121 11411412728548328000001 PAYMENT-THANKYOU 50.00 FINANCE CHARGES Deily Periodic Rate Corresponding Average Doily Balance Finance Charge Due Transaction FINANCE Category, 30 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .03559% 12,99% $450.78 $4.82 $0.00 $4.82 Cash advances V .06573% 23.80% $0.00 $0.00 $0.00 $0.00 Convenience check V .03559% 12.99% $0.00 $0.00 $0.00 $0.00 Promotions .01094%- 3.90% $8.216.64 $26.97 $0.00 $26.97 Promotions .01094% 3.99% $642.76 $2.11 $0.00 $2.11 Promotions .01064% 3.99% $500.96 $1.91 $0.00 $1.91 Total finance charges $35.81 Etlectiw Annual Percentage Rate (APR): 4.34% Please see [..for., at on About Your Account section for balance computation method. grace period, and other important irdormaliw. The Corresponding APR is the tale of interest you clay when you terry a balance on any transaction category. The Effective APR represents your total finance charges - including trantacson tam such as cast advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS Fins and Orly Thank-You Notice before July 10, 2006. As a valued Cardmember, you've been issued a Thank You up. to $100. Claim your lavodtes, each with a low fes of $2.95. Log on for delalls and claim your Thank You up to $100 from SynapseConnext. www.gihardl00.coMChase. Code 24616 8364508 This Statement Is a Facsimile - Not an original X oooW01 FO10339a0s 000 N Z 28 oemwe P.0.1 03 MW MAMA att71 1461000D060000117101 100 of 141 1 - Statement for account number: 54016830 1490 0911 New Balance Payment Due Date Not Due Amount Minimum Payment $9,513.23 07/21106 $0.00 $190.00 Mektyaur creek payable to Chase Card Barvlaa. Amount Enclosed Now address a e-n si14 Print on back. 540168301490091100019000009513235224093 CHASE O Enroll me in the opponai IPtriderot Pr Ute endos@d and offr and may cancel any time. 9567088(Z 17700 D LISA M MCLAIN 487 HIGHLAND CT CARLSLE PA 17013.3935 6.r11LrrIIL.r,r.ILrllrrrllrlJr..rILd.LL.L6rrIrrlLl IC 5000 L60 281: 20930 149009 i i9m CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 Statement Data: 05127106.06126/06 CUSTOMER SERVICE CHASE O im Min um Payment Due: $ 00.00 Espanol 1.89.446-3300 TDD 1-900.955-6060 Pay by phone 1-900-436.7956 Outside U.S. call collect 1-302.594-9200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 69301490 0911 Previous Balance $9,727.00 Total Credit Line ACCOUNT INQUIRIES $12.100 P O Box 15298 - Payment, Credits -$250.00 Available Credit . . $2,586 W i l to E 19850 5296 Finance Charges x$36.23 Cash Access Line ng i m n, D . $4,060 New Balance .23 Available for Cash $2.586 PAYMENT- ADDRESS P.O. Box 15153 Wilmington, DE 19986-5153 VISIT 119 AT: www r3he6 m6credlt®rd, CASHBUILDER REWARDS PLAN ACTIVITY ForCashBuilder Previous rewards balance $0.00 Customer Service Cal 1.800-.945-2000 Rewards earned on purchases $0.00 Rewards earned this year $0.00 Remaining rewards balance $0.00 Remember with Chase CashBuilder, you can earn up to 2% on your Chase credit card purchases. TRANSACTIONS Trans Amount Date Reference Number Merchant Names Transaction Description Credit Dabit 06/18 1169 1 692729313n7700008 PAYMENT-THANK YOU 250.00 FINANCE CHARGES Daily Periodic Rate Conewonding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .03559% 12.98% $45571 $5.03 $0.00 $5.03 Cash advances V .06573% 2190% $0.00 $0.00 $0.00 $0.00 Convenience check V .03559% 12.99% $0.00 $0.00 .$0.00 $0.00 Promotions .01094% 3.99% $7.975.69 $27.05 .$0.00 $27.05 Promotions .01004% 3.9e% $642.55 $2.18 $0.00 $2.18 Promoliau .01064% 3.99% $500.70 $1.97 $0.00 $1.97 Total finance charges $36.23 Effective Annual Percentage Rate (APR): 4.509E Please we 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 fransaction category. The Effective APR represents your total finance charges - including lransacton fees such as cash advance and balance transfer lees - expressed as a pwcsntege. IMPORTANT NEWS For a limited time, you're entitled to claim up to $100.00 worth of your favorite magazines. Respond now to receive an entire year of selections processed by NewSub Services. Call by Atgual 10, 20M lot selections and automatic renewal details. Quantities we limited. Enjoy! 1.800-639-2820. 3,16 For cbnvemem and secure, 2417 account access 8364608 visit wwwc base eom/creditiards This Statement Is a Facsimile - Not an original Xeoeooot FIS2033606 606 N. 2 26 66A6Q6 Pgat di Oases AWM *Wo t 71/ COWO60W9567001 106 of 141 Statement for accoutrl number: 5401 683014510 0811 New Balance Payment Due Date Peat Due Amount Mirimum Payment CHASE $9,297.67 08r 076 $0.00 $185.00 Mrdceyeuredl.ek payable to Chas. Card Sarvlma AaYrmoolel mns the o ionel' Amount Enclosed Nlsv address a e-mail? Print m back. 1 uri0eral nndrolliB antl En offer and may Caf1CBl 8fly llrlle. 1111111115 5401683014900911000:18500009297675239852 USA M McA7uIN IIIIIIIIII1IIIllIIIIIIIIIIIIIIIIAIIIIIIII\1IIIIIIi\IIIIIIIIIAI USA M 487 HIGHLAND CT CARDMEMBER SERVICE CARL SLE PA 17013-3935 PO BOX 15153 WILMINGTON DE 19886-5153 L.IlILI11111/111.IL1tLl.ILIIILIIIILJ16LILIIIILJLI 5:5000 160 28f: 209 30 149009 ii 49o Statement Dale: 06127106-07126/06 CUSTOMER SERVICE LJ C CHASE O Payment Due Data : 0"0106 In U.S. M inimum Payment Due . $185.W E&mAol 1-888-446-3308 TDD 1-800-956-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 302 -594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301490 0911 Previous Salance $9,513.23 Total Credit Une $12.100 ACCOUNT INQUIRIES Box 15298 P O Payment, Credits $250.00 Available Credit . . $2,802 Wilmington DE 19850.5298 Finance Charges +$34.44. Cash ACCess Line . S41140 New Balance .297.67 Available for Cash 52,802 PAYMENT ADDRESS - P.O. Box 15153 Wilmington, DE 198863153 VISIT US AT, wwwcit.mm/creditrards TRANSACTIONS Trans Amounl Date Reference Number. Merchant Name or Transadon Description Credit DOT 2 73009 890000 0.00 FINANCE CHARGES Daily Parroolc Rate Corresponding Average Daily Balance Anarhce Charge Due Transaction FINANCE Category 30 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .03559% 12.99% $460.69 $4.92 $0.00 $4.92 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 Convenience check V .03559% 12.99% $0.00 $0.00 $0.00 $0.00 Promotions .01094% 3.99% $7,769.93 $25.50 50.00 .$25.50 `Promotions .01094% 3.99% $642.66 92.11 $0.00 $2.11 Promolions .01094% 3.99% $590.00 $1.911 s0:oo $1.91 Total finance charges $34.44 'Ethetive Annual Percentage Rata (APR): 4.37% `.Please see Information About Your Amount section for balance computation method, grace period, and other important irdormaion. The Corresponding APR is the rate of invest you pay when you terry a belance on any transaction category. The Effective APR represents your total finance charges - including transaction few such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS URGENT: As a valued cardmember, claim your Thank You of a lull year of 3 magazines. worth up to 5100.00. Limited lime 09/1 Was to claim your Thank You of up 10 $100.00. processed by NowBub Services and for details. 1-600-641-3426.4U0 You don't settle for local TV - why settlelor local radio! Gal Sff US SATELUTE RADIO -- the best radio on radio. 100% commercial tree-best sports, news, talk a entertainment! Gat great deals and a FREE 3-day pass ® www.Chase-Sirius corn Special SIRIUS radio offer for Chase Customers 666-760-7313. -Attetrion Cardmembers: Get money beak on purchases made on your credit card. With Trileglam's Searreal offer, you can enjoy savings and seamy for you-and for your farnily loo--with the first 60 days for . only one dollar. Cell 1-666-883-SAFE (7233) by 10131/06.-^ Thank you for being s valued Cardmember. 8364508 This Statement Is a Facsimile - Not an original R 0000001 F6131= 010 000 N 2 26 0111 P g.1 all 0686 MAMA 46370 20710000100004937001. 104 of 141 Statement for account number: 5901 88301490 0911 New Balance Payment Due Date Pest Due Amount Minimum Payment $6,132.51 OW20106 $0.00 $18200 Enclosed kkNr Mideyour eMdr payable Pant CMS Cant 9erNcea Amount $ address or e-rtheirl. Pdrt on back. 5401683014900911000;18200009132515255450 CHASE 0 Enos me in the o onal IPur taend the oelyd otter and may Cancel any time 09778 M 2236050 L. 1111. 111. 1.161.1h.1Iii. 11. 1....11.1.1...11..1.1...11.,1611 LISA M MCLAIN 487 HIGHLAND CT CARDMEMBER SERVICE CARLISLE PA 17013.3935 PO BOX 15153 WILMINGTON DE 19886.5153 7:5000 1.60 1!133. 20930 149009 L L9xe Statement Date: 07/27/06-08/26Po6 CUSTOMER SERVICE CHASE O e Dale: mt a W Minnim ent Due: Paym $ East 1-600-446-3300 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: 8401 6001490 0911 Previous Balance $9,297.67 Total Credit Line ACCOUNT INQUIRIES $12,100 P Box 15298 O Payment. Credits. -$200.00 Available Credit . . $2.067 :Wilmin DE 19850.5296 t Finance Charges 6$34.84. Cash Access Line g on, $4,940 New Balance 132.51 Available for Cash $2.967 PAYMENT ADDRESS P.O.Box 15153 Wilmington, DE 19886.5153 VISIT US AT ueena. chase-mm/credt®rds REWARDS SUMMARY To redeem your points call the number on the Previous points balance 0 bark of your card or log on to Poirtte earned for finance charges 35 www.ChooseMyRewards.mrn Point: earned on purrihases 0 New total polms. balance 35 35 points to expire on statement date in /Wgust 2008 TRANSACTIONS Trans Amount Date Reference Number Msmhent Name or Transaction Deacnpfion Credit Debit 08115 122725727309-6-7-32-3-10-0-0-0-0-FikYMENT - THMK YOU 0.00 FINANCE CHARGES Deily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Role Fee CHARGES Purchases V :03558% 12.96% $485.72 -$5.14 $0.00 $514 Cash advances V .06642% 2424% . $0.00 $0.00 $0.00 $0.00 Convenience check V ..03559% 12.991y.. $0.00 $0.00 $0.00 $0.00 Promotions .01094% 3.99% $7,53122 $25.55 $0.00 $25.55 Promotions .01004% 3.99% $642.35 .$2.18 $0.00 $2.18 Promotions .01084% 3.99% $580.56 $1.67 $0.00. $1.67 Total finance charges $34.54 Eftallve Annual Percentage, Rafe (APR): 4.53% Please we Information About Your Account section for balance computation method, grace Period, and other. important arfOnnafion. The Corresponding APR is the rate of interest you pay when you Carry a balance on any rans8clion category. The Etleclve APR represents your total finance charges • including transaction fees such as cash advance and balance transfer foes -expressed as a percentage. IMPORTANT NEWS Final Notice: Log on before October 15, 20061 As a valued Cardmember. You're entitled to a Thank You valued up 10 $110.00 from NewSub Services. You must act quirkly. Quantifies are limited. So log on for details and your magazines now. wwwmybonuacentar.convchaae. SWB 8364508 This Statement Is a Facsimile - Not an original R 0000001. F133MM b 6 . 000 N 2 26 OW596 P.O. I d a 05666 MAMA 09ne 23710000060000e7R01 126 of 141 Statement for account numbs:14015830 1490 0911 New Balance Payment Due Date Post Duo Amount Minimum Payment $8,966.91 1011/06 $0.00 $179.00 Make your sneak frayable to Ckna Card Serrloaa, Amount Enclosed Now sddrasa a a-me11? Print on back. 540168301490091100017900008966915269532 471131317( Z 269M D USA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 CHASE O Enroll m in the opltonal Paydmeent?noteetol Ran•. oml O artydcti soar! en y thine. ,111.5 U1111111- Irr.III.11r11r1.I.11.111rrrl.I.r?rII.I.I,.rIIr11.1.1rIIrr1111I CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 28m: 209 30 L49009 L L9ua StalemenlDltt9. 00127105-09!26!06 CUSTOMER SERVICE CHASE 0 sYmard e / I 00 M rmeent Due: Pay Espannol 7 800.446-33 $179 00 TOO 1-800-855-8060 Pay by phone 1.800.436.7958 Outside U.S. cell coned 1-302.594-8200 MASTERCARD ACCOUNT SUMMARY Account Number. 5401 6es01490 0911 Previous Balance $9,132.51 Total Credit Line $12,100 ACCOUNT INQUIRIES P O Box Payment, Credits -$200.00 Available Credit . . Imington. DE 18850 $3,133 W ln9ngton DE -52.94 Finance Charges .!34.40.. Cash Access Una S4.840 New Balance' 6,866.81 Available for Cash $3,133 PAYMENT ADDRESS P.O. BOX 15153 - Wilmington, DE 19886-6153 VISIT US AT_ Mww.chase, cmnJcreditcards REWARDS SUMMARY To redeem your points cam the number on the Previous points balance 36 beck of your card or log on to Points earned for finance charges 36 www.ChooseMyRowards.com Points earned on purchases 0 Now rotal points balance 70 35 points 10 ekpre an statement date in August 2008 TRANSACTIONS Trans Amount Dale Reference Number Mom Name or Transaction Downpfion Credit Dow 09/10 12622622731967367000007 PAYMENT • HANK YOU 00.00 FINANCE CHARGES Finance Charge Daily Periodic Rule Corresp. Average Daily Balance. Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases' V.03559% 12.90% $470.88 $5.20 $0.00. $0.00 $5.20 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convergence check V.03559% .12.99% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summery .01084% 3.99% $7,385.86 $25.05 $0.00 $0.00 $25.05 Promotional summary .01094% 3.90% $642.67 $2.18 $0.00 $0.00 $2.18 Promotional summary .01004% 3.99% $580.88 $1.07 $0.00 $0.00. $1,97 Total finance,charges $34.40 Effective Annual Paroentage Rats (APR): 4.54% Reese a" Information About Your Accoum 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 you total finance charges - including transaction tees such as cash advance and balance transfer tees - is"ased as a percentage. As a Valued Cardmember, you're smiled to claim a Thank You worth up to $100 00. Reply by 10110/06 for on enfir6 year of your favorite magazines processed by Synapse Connect. Call 1-000-927-9660 or log on to www.giflcerdlla;iixorri/Chaso for aulometic renewal details and 10 select your favorites. 8364508 This Statement Is a Facsimile - Not an original X00=1 F19393451310 040 N Z 28 0eo0r26 P.O. 1 d 1 rases UAL 45013 21010000100004541301 94 of 141 Statement for account number: 54D1 6690 1400 0611 New Balance Payment Due Date Past Due Amoum Minimum Payment $8,798.74 11/20/06 $0.00. $17500 Make your cheek payable to Climse Card SWIAML Amount Enclosed ?J Naw address a o-m it? Pmt cm back. 54D168301490D91100017500008799745286000 47990 BF]t Z 29906 D LISA M MCLAIN 487 HGHLAND CT CARLISLE PA 17013-3035 CHASE 0 Enroll me in the o anal Pa 1 Protect Plan'. I derstandthele doag otter and may can any tirt1e. 01111111113 DRT#- I...I11. h.I..1.Is.Iii. I1.0.1.1....11.1.1...111.1.1...1 L.11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 1: 5000 L60 281: 209 30 149009 L L911a Sanament Dale: 0827106 - 10/26/06 CUSTOMER SERVICE ni P M 175 W CHASE O ayyrment Due in imum . $ EspaR01 1.868-446-3308 TOO 1-800-955.6060 Pay by phone 1-800-436-7968 Outside U.S. call collect 1.302-584.8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301490 0911 RTES Previous Balance $8,96ti.91 Total Credit Line $12,100 P.O Box 5290 PA. Box Payment Credits -$200.00 Available Credit n, DE $3300 NAlmnglon, DE 19850.5298 Finance Charges +$32.83 Cash Access Line $4.840 New Balance ,780.74 Available for Cash $3,300 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 1eaSS-5153 VISIT US AT: www chase.comtraditrsrds 8364508 REWARDS SUMMARY To redeem you points, call the number on the Previous points balance - 70 fuck of you card or log on to Points earned for finance charges 33 www.ChooseMyRewarde.com Poima earned on purchases 0 New total points balance 103 35 points to expire on statement date in August 2000. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Descnption Credo Dealt 1 W21 12952942732066286000008. PAYMENT-THANK YOU 00.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corrosp. Average Deily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle AIPR Periodic Rate Fee Fin Charge CHARGES Purchases V .03559% 12.610% $476.03 $5.09 $0.00 110.00 $5.09 Cash advances V .06642% 24.24%. $0.00 $0.00 $0.00 $0.00 $0.00 Convenience chedt V.03659% 12.99% $0.00 $0.00 $0.00 $0.00 $0.00 Promotonal summery .010949/6 3.09% $7,225.67 $23.72 $0:00 $0.oo.. $23.72 Promotional summary .01094% 3.99%. $642.76 $2.11 $0.00 $0.00 $2.11 Promotional summary .01094% 3:99% $580.96 $1.91 $000 $0.00 $1.91 Total finance charges $32.83 Effective Annual Percentage Rath (APR): 4.41% Please see InfornalIon About Your Account section for balance computation method, grace period, and other Important information. Th e Corresponding APR lathe rate of Y716rea1 you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction lees such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS Whatever you'd like to do - refinance you mortgage to get extra cash, make home improvements, even buy a row home: Call Chase first 91 1-866-836-6335. We can help with all your home financing needs. Al loans subject to credit and property approval. Equal Housing Lender. Enjoy low web rates, special offers and a discount too when you use your Chaee/Hartz CDP# 374210 at hertz.com. This Statement Is a Facsimile - Not an original X 00W= FPS33=139 OOC' 'N Z 26 064OM6 Pap. i d i 95686 MAMA 47999 2997000009000.799901 2of141 Statement for accourH number: 54016830 1490 0911 New Balance Payment Due Date Pawl Due Amount Minimum Payment $8,633.11 12/21/05 $0.00 $172.00 MaFeywr check payable to Chase Card Services Amount Enclosed New, address cr e-mail? Print on back. 540168301490091100017200008633115303212 305W eEM 233000 D LISA M MCLAIN 487 HOHLAND CT CARLISLE PA 17013-3036 CHASE O Emoll me in the oobonal Payment PmlocloY Plan'. I understand the enclosed otter snit may wriml any time. 11111013 Dmw- CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 (rnU?urliluuulin(Iru?lrirlr uriiui.(rinirlnriu?iri v:5000460281: 209 30 149009 i i9ua Statement Date: 10/27106 - 11/26106 CUSTOMER SERVICE /? Due Dow 12/21/06 In U.S. 1-800-945-2000 CHASE O yment Due: Minimum Pa $172.00 Espanol 1.WI!1 446.3306 TOO 1-800-956-6060 . :Pay by phone 1-800436-7968 Outside U.S. call collect 1-302-5946200. MASTERCARD ACCOUNT SUMMARY Account Number: 5401 600 1490 0911 A??M INQUIRIES Previous Balance $8,799.74 Total Credit Line $12,100 BOX 15290 Paymint, Credits -$200.00 Available Credit nglon, DE $3,466 WiWillni DE 19850-5296 Finance Charges 1$311.37 . Cash Access Line $4.840 New Balance ,6331 Available for Cash $3.466 PAYMENT ADDRESS P.O. Box 15153 Wilrlinglon, DE 19986.5153 VISIT US AT: www charm mrtycreditcarda. REIMAROS SUMMARY To redeem your pouas wN. the number on the Previous points balance 103 bacK of your card or log on to Points earned for finance charges 34 www.ChoweMyRawBrds.oom Points earned on purchases 0 Now total points balance 137 36 points to expire an aletement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debi 1120 13243242733839130200002 PAYMENT -THANK YOU 00.170 FINANCE CHARGES Finance Charge Daily Periodic Rote Correap. Average Daly Balance Due To Transac5on Accumulated RNANCE Category . 31 days. in cycle APR Periodic Rate Fee Fin Charge CHARGES PUrC111113e5 V .03558% 12.99% $491.23 $5.31 $0.00 $0.00 $5.31 Cash advances V.06642% 242,4% $0.00 $000 $0.00 $000 $0.00 Convenience check V .03650% 12.09% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summery , .010tM% 3.612. $7,048.65 $23.91 $0.00 $0.00 $23.91 Promotional summary .01094% 3.99% $642.69 $218 SO.00 $0.00 $119 Promotional summary .010941% 3.989. $580.90 $1.97 50.00 $0.00 $1.97 Total finance charges $33.37 Effective Annual. Percentage Rate (Alloft 4.57% PI'esse see information About Your Aocwnt section for balance wmputation method, gram period, and other important intormaton. The Corresponding APR isthe rate of interest you pay when you carry a balance on any transaction category. The EHecive APR represents your total tlnance charges - including transaction lase with so cash advance and balance trenater tees - expressed as a percentage. IMPORTANT NEWS HOLIDAY SHOPPERS: Get low prices on AAP3. players, toys, digital cameras flat screen TV's. and lols more through Tnlegiant's olfer. You can get up 10 $50 cash back on purchases with your Shoppers Advantage membership. CALL 1-666-663.7233 TODAY. 8364508 This Statement Is a Facsimile - Not an original Ro0000ot FM3=07 000 N z 2a w1aa P.g.t alt oases -M 30ee0 33M 0000070003OW01 4 of 141 Statement for accourit number. 54016830 1490 0811 New Balance Payment Due Date Peet Due Amount Minimum Payment $8,464.92 0120,07 $0.00 $169.00 rr?? Illskeyhxrr chock payable to Chase Card Services Amount Enclosed nm address a a-moil? Prim on back. CHASE O Enroll me in the olptional Payment IPr lecof Paw. otter end may cancTarry sme. W111815 U1119- 540168301490091100[116900008464925322575 45028 M 2360060 USA M MCLAIN 487 HIGHLAND CT CARL SLE PA 17013-3935 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 &60 281: 209 30 &49009 & &9a' Openinlosing Date: 11/27/08 - 12!26106 CUSTOMER SERVICE Pay CHASE 0 mum P enf D 1 800-945-2000 7 In = 0 M ini P aym ue: poll - 0 Espeftol 1-118 8-444-33011 6 TDD 1-800-955-8OW Pay by phone 1-800-436-7958 Outside U:S. call collect MASTERCARD ACCOUNT SUMMARY AccountNurnbar: 54M 8830 1490 0911 1-302-594-8200 Previous Balance $8,633.11. Total Credit Line $12,100 ACCOUNT INQUIRIES. Payment, credits -$200.00 Available Credit $3,635 Wilmin . DE 19850-5298 ton OE yYrtan ton Finance Charges Cash Access Une g g . $4,040 New Balance ?i8,4fi492 Available for Cash $3.535 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198863153 VISIT US AT: www. chase. mrtVcredn®rds REWARDS SUMMARY To redeem your points, can the number on the Previous points balance 137 back of your card or log on to Points earned for finance charges 32 www.dtase.omnfcrodhcards Points earned on purchmes 0 New totalpdnl8 balance 169 35 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or Tranaaaion Description Credit Dabit 12/21 13553552734761407700008 PAYMENT • HANK YOU 00.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Correap. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fn Charge CHARGES Purchases V.03559% 1219% $486.48 $5.20 $0.00 $0:00 $5.20 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $000 $0.00 Convenience clreck V .03559% 12.99% $0.00 $0.00 50.00 $000 $0.00 Promotional summary .01094. 3.99% $8,880.62 $22.59 $0.00 $000 $22.59 Promotional summary .01094% 3.99% $642.78 $2.11 $0.00 `$000 $2.11 Promotional summary .01094%. 3.99% $580.96 $1.91 $0.00 $0.00 $1.91 Total finance charges $31.81 Effective Annual Percentage Rats (APE): 4.44% Pismo see Information About Your Account Becton for balance computelon molhoo, grace period, and Otnar important !ntormalon. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The EOedlfve APR rgx~ls your total finance charges - including transaction lase such as cosh advance and balance transitx fees - expressed as a percentage. IMPORTANT NEWS Clairn your reward todayl You still have time to daim your Thorrim lOnkade UlhogrW%! Simply go to WIN r9werdCermer.ODn1 and Omer 157312 Where n Bake for your cenilcale number. Take advantage of hie final opportunity to claim this exclusive collodion! 8364508 This Statennent Is a Facsimile - Not an original X 0000001 Fr?33 05 000 N 2 20 W220 P.O.1 dl 05686 WMM 45028 3010000050001507901 108 of 141 SJ' tatenlent for account number: 5101 86301490 0911 New Balance Payment Due Date Past Due Amount lAnlmum Payment $8.297.15 02120/07 $0.00 $165.00 Amount Enclosed ?MSka YeutrerdAAKk pya6Mto Chase Cltrd eervlce: $ Wow sdss or a-mat? Print on beck. 5407168301490091100[116500008297155334667 67721 9Ex Z 021M D LISA M MCLAIN 487 HIGHLAND CT CARL SLE PA 17013.3935 IL111111IIILA1111161161111.I0 6 10 11111.L111116.161161 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 45000 i60 28f: 209 30 Lti.9009 it i96e OpeninglCloairgDale: CHASE O D?e Data IV27/D6-01!26/07 CUSTOMER SERVICE 02120/07 In U 3 1 Minimum Payment Due: . . -600-945.2000 $155 00 . EspeMl 1-888,446-3308 TDD 1-800-955-0060 Pay by phone 1.800.436-7958 Outside Us. cell collect MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68301490 0911 1.302.594-8206 Previous Balance $8,464.92 Total Credit Line Payment. Credits -$200 00 $12,100 ACCOUNT INOUIRIES 298 P.O. Box , Available Credit Finance Charges +$32.23 Cash Access Una n, D E $3,802 vKlnringlo OE 16050-5298 S4.840 New Balance 7297.15 Available for Cash $3,802 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886.5153 VISIT US AT: www chase m redtmrds REWARDS SUMMARY To redeem your points, call the comber on the Previous points balance 160 back of yow card or log on to Points earned for finance charges 33 www.chasa mm/vedhcards Points earned on ptictttses 0 New 10181 points balance 202 3S points to expire. an statement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/1610160162735647114000007 PAYME -THANK YOU 00.00 FINANCE CHARGES Finance Charge Deily P Category 31 d eriodic Rate CorreW ays in c cle APR Average Daily Balance Due To Transaction Accumulated FINANCE y Periodic Rate Fee Fin Charge CHARGES Purchases V.03559% 12:99% $491.80 $5.43 $0.00. $0.00 $543 Cash advances V.06642% 24.24% $0.00 $0 00 $0.00 00 $0 $0 00 Convenience check V.03659% 12.96% $0.00 $0.00 $0.00 . $0 00 . $0 00 Prornotiortal summery .01094% 3.99% $6,677.44 $22:65 50 00 . WOO . $22 85 Promotional summary .01094% 3.99Y. $642.42 . $2.18 . . $0.00. $0.00 . 18 $2 Promotional summary .01094% 3.99% $580.66 $1.07 $0.00 $0.00 . $1.97 Total finance charges $32.23 Effective Annual Percentage Raw (APR]: 4:6096. P10050 see Information About Your AOcount sec on to balance compulsion method, grace period, and other important iniormafon. The Conesponding APR is the rate of interest you pay when you carry abalance on any transaction categoy. The Effect" APR represents your total finance charges - including transaction teen such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEVVS Get 2514 on TaxCut online at www. Itrbbclt.ccmthatle/offer and wecl the online program right for you: TaxCul Basic, Premium or Signature. Valid 1211/06 to 511)07. Discount does not apply to purchase of stale programs. Cannot be combined with other offers.. Void where prohibitedhestricted bylaw. 8364508 This Statement Is a Facsimile - Not an original X.0000001. FISI)M96D9 8021 A I 2e 07411M Plgeldl 05666 MAMA 87721 02P00000930 08 7721 01 CHASE O nyrOmtlam? Probgof Pla ., I over ma r g siend theen 2101480 y tsrtoet aryo ne. IIIIIIIIIII II III iIlI11II IIIII IIA l1II1IIIIII III IIIIIIIII IIIIIII 92 of 141 Staterrlent for account nurnbar- l A01 8830 1490 0911 New Balance Payment Due Date Peat Due Amount Minimum Payment $8,198.9°1 03/23J07 $0.00 $163.00 Amount Enclosed ?IN?dreydwr creek p.y.blet Ch.*. Cent 9sMaew $ Now address rr e-mrM Print on beck. 5401683014400411000163D0008158915352641 313579EX 2057070 USA M MCLAIN 487 HGHLAND CT CARLISLE PA 17013-3935 Inllllutltito..r.IL.ilq.1Llri.1.11h.lii.1111.uLrii.1 CHASE O I want to Wdtaee co!idirel Pha?v need till ceondosned offer alrrmsy canoe) any Rinse Indil,L.L.LI..I. hII.. rL1,...1661 ...IL rL1...IL ALr i CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198863153 1:5000 i.60 EI31: 209 30 149009 L i90 Openin'llosing Dale: 01/11M7 - 02/26/07. CUSTOMER SERVICE Payme Due Dale: CHASE 0 m 07 03123( In U.S. 1 -900445-2000 Payment Due: M mu $163.00 Espil l 1.888-446-3308 TOO 1.800165-806 Pay by In. 1-800435-7858 Outside U.S. call collect 1.302-504-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 MO 1490 0911 Previous Balance $8,297.15 Total Credit Line - $12,100 p 0 Box 152901R1E3 P.O. Box Payment Credits -$170.00 Available Credit $3°941 Nfilm , OF- 19850.5298 ington DE Finance Charges +$31.76 Cash Access Une 94,540 New Balance .152.91 Available for Cash $3.941 PAYMENT ADDRESS P.O. BOX 15153 Wilmington. DE 19886-5153 VISIT US AT: www.rha8 rritradltrards To redeem your points, call the number on the Previous poima balance - 202 back of you card or log on to Points earned for finance charges 32 www.rhase.conVaedacerds Points eemee on purchases o New total points balance 234 36 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02117 104OD482736753466200004 PAYMENT - THANK YOU 170.00 FINANCE CHARGES . Finance Charge Daily Periodic Role Comesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .03559r% 12.90% $497.26 $5.49 $0.00 $0.00 $5:49 Cash advances V.06642% 24.2496 $0.00 $0.00 $0.00 $0.00 $0.00 convenience ,check V,03650% 12.9996 $0.00 $0.00 $0.00 $0:00. $10.00 Promotional summary 01094Y. 3.99% $6.519.88 $2212 $0.00 $0.00. $22.12 Promotional summary, ..01094% 3.99% $642.53 $2,18 $0.00 $0.00 $2.18 Promotional summary .01094% 3.999: $500.76 $197 $0.00 $0.00 $1.97 Total finance charges $31.76 Effective Annual Percentage Rate (APR): 4.02'% Please we Information About Your Account 3edion for balance computation method, grace period, and other important information. The Corresponding APR is the rate of intere i you pay when you tarry a balance on any transaction category. The EfleeSve APR represenz your total tiranm charges,- includ'ng transaction lees such as cash advance and balance transfer fees - expressed as e. percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you use your Chaee/FWz discount code CDP# 374210 at henz.oom. EXCLUSIVE OFFERI Get all 40 Uncirculated Statehood quarters from 1999-2000 lot just $19.96. You'll SAVE 69% oil regular prices! Hurry:- this offer ends on Mardi 31..2007! To order now. go to: LittlelonCoin.corri/Quartefs 8364508 This Statement Is a Facsimile - Not an original Xoodoool FIS33=09 000 N Z 26 074=6 Pq.r dI Owes WAMA si357 057100000600031357a1. 124 of 141 Statement for account number: M1 0030 1490 0911; New Balance Payment Due Date Past Due Amount Minimum Payment 58,01729 04/20107 - $0.00. $160.00 k1aka our eheUt t.ayabit to Chefs Card Servloaa. Amount Enclosed L.-- J Alfw adyd-es h=P61l? i m beck. 540168301490091100016000008017295366626 30749 BOX Z 0111507 0 USA M MCLAIN 487 HIGHLAND CT CARL SUE PA 17013-3935 CHASE 0 I want b purchase optional Payment Prolec or on .- I hev? read the enclosed otter en may cancel any time. L..NLL.6.1.L,LdL..1.1....11.1.L. th1111...IL.11..I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19086.5153 il: 50001,60 1'81: 209 30 149009 1,19nf OpeningliClosing Data: 02/27N7.03!-'6107 CUSTOMER SERVICE Payment ent Die Due Data, CHASED "r-'0107' In U B. 1-800.945-2000 Minimum Payment Due: . $160.00 Espenol 1.888446-3308 TDD 1-800.955-8060 Pay by phone 1-900-436-7968 Outside U.S. call collect 1-302-594-11209 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66301490 0911 Previous Balance $8,150.81 Total Credit ling $12,100 ACCOUNTINOUIRIES Box P O 15298 Payment, Credils ,$170.00 Available Credit . . $4,082 DE 19850-5298 lrtsiglOnu DE Nt Finance Charges .520.38 Cash Access Une , $4.040 New. Balance ,017.29 Available for Cash $4.002 PAYMENT ADDRESS P.O. Box 15163 Wilrrington, DE 196863153 VISIT'US AT: v^"w SL]fl°-O,m?reditBMs REWARDS SUMMARY To redeem your points, =a the number on the Pr9tiious points balance 234 badk of -your card or log on 10 Points earned for finance charges 29 www.drass.com/credacaros Points earned on purchases 0 New total points hatancs 263 35 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Date Relevance Number Merchant Name or Transaction Description Credit Debit - 03n31082 22737005236700007 PAYMENT-THANK YOU 170.00 FINANCE CHARGES Firlartce Charge Deily Periodic Rate Corresp. Average Daily Balance Due To Traneac9on Accumulated FINANCE Category 29 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V .03559% 12.99% $602.50 S6.01 $000 $0.00 $5.01 Cast advances V 06642% 124.24% $0.00 $0.00 $0.00 $000 $0.00 Convarriencecheck V..03559% 12.09% $0:00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01.094% 3.99:4 $6,404.57 $19.52 $0.00 $0.00 $19.62 Promotional summary ,01094% 3.9996 $642.01 $1.97 50.00 $0.00 $1.97 Promotional aummary .01094% 3.9991. $501.01 $1.78 $0.00 $0.00 $1.79 Total finance charges $28.38 E11edlw Annual Percentage Rate (APR): 4,1 B% Please we IMormetion About Your Account section for balance compultationmathod, grace period, and other important indormallon. Th e Corresponding APR is the rate of interest you pay when you carry a balance on my van section category. The Etdecive APR represenb your Iola[ tinarce charges - including transaction teen such as cash advance and balance transfer lose - expressed as a percentage. IMPORTANT NEWS NOTICE. We we replacing the Two-Cyde Average Dally Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including new purchases Method (purchases daily balance times purchases daily rate each day only in the current cyde). 8364508 This Statement Is a Facsimile - Not an original X00000101 FIS33M- 505 000 N Z 26 WA1146 Pq.I d l Mae MAMA 30749 ca510000MOOM974M 112 of 141 Statement for account number- !W01 6930 1490 0911 New Belanco Payment Due Date Past Due Amount Minimum Payment $10,575.01 06I16A7 $0.00 $213.00 MteyWrdleek payable to Chase Card Services. Amount EnciDsed New address a a-mail? Print on back. CHASE O I warn b ourh8aa0RV' Payment Protector Plane. I rw read the enclosed otter an may cancel anytime. 5401,68301490091100021300010675015381573 IS3100Ex Z 11 d07 D LISA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 Irrrlllrfrrlrrlrl.rl.rlirrrlrirrrrlirl.lrrrll.tl.l.rrlir.lir.I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I..rULcull!rrrrr.ILrILr.ILLCrrrrllrrLl.LrIll.rrL.ll.1 1:5000160 EEW 20930 149009 L 1994 Oponhg/CloairgDale: 0327107.0426/07. CUSTOMERSERVICE CHASE pi O N u d ! 05116M 7 In U.3. 1-800-945-2000 g in ent I ? m Due: 0 Espanol 1-868-446.3308 TDD I.800.955-8060 Pay by phone 1-800.436.7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMIMARY Account Number : 5401 68301490 0911 NOUIPoES AC Previous Balance di P C $8,017.28 Total Credit Line $1 0 . Box 16 $12.100 P .O. Box 1 re ts ayment. - 6 .00 Available Credit , DE OE $1,424 Wilrmnglon, 18850.5268 Purchases, Cash, Decita +$2,70C+.00 CetN Access Una $4.840 Finance Charges +$117.72 Available for Cash $1.424 PAYMENT ADDRESS New Balance 10,675.01 P.O. Box 15153 Wilminglon. DE 19886.5153. VISIT US AT: yww c haae.c ooikeditrards BR WARDSSUMMARY To redeem yourpoint&call thenumber onthis Previous points baler ce 263 back of your card or log on to Poims earned for iinan0e charges 37 www.c hase.mrn1credaoards Points earned on purchases, 0 New 10181 points balance 300 35 points to expire an ststemem data in Augual 2008 TRANSACTIONS Trans Amours Date Reference Number Merchant Name or Trarleaclon Description Credo Debit 04120 1110 11 00 9 042121110011321100684611068 BALANCETRANSFER 2,700.00 04122 21 10011321100884611088 TRAKWTION FEE 81.00 FINANCE CHARGES _ Finance Charge Daily Periodic Rats Correa;). Average Daily Billerica Due To Transedon Anamutsted FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.03559% 12.9914 $507.61 $5.61 .$0:00 $0.00 $5.51 Cash advances V.06642% 24.24% $0.00 $000 $0.00 $0,00 $0.00 Convenience Check V.03669% 12.999: $0.00 $0.00 50.00 1:0.00 $0.00 Balance venter V.03559% 12.899: $0.00 $000 $81.00 $000 $81.00 Promotional summary 01 D94% 3.999: $6,247.67 $2119 $0.00 $0.00 $21.19 Promotional summery 01094% 3A99: $642.58 $218 $0.00 $000 $2.18 Promotional summery V .03559% 12.999: $623.04 $5.77 $0.00 $0.00 $5.77 Promotional summary .01094% 3.999.. $580.80 $1.97 $0.00 $0.00 $1.97 Total finance charges $117.72 ENectlve Annual Plercemage Roo (APR): 13.22% Please see Information About Your Account creation for balance computation method, grace Period, and other importenl imarmaion. The ComespDriding APR is the rate o1 interest you pay when you carry a balance on any Yaneaaion category. The "wive APR represents your total finance charges - incfudhg transaction fees such as cash advance and balance tranater lees - expressed as a percentage. 8364508 This Statemelnt Is a Facsimile - Not an original X 00000[n FIa39:e5o e 000 a Z 26 074426 P4a.1 d2 mew MAW 13310. i1610=080=33001 72 of 141 Opening/Closing Data. 03/27/07. W26/07 Aa:oum Number: 6401 6630 1490 0911 Page 2 of 2 IMPORTANT NEWS (CONTINUED) PLEME NOTE THAT U PAYMENT DUE DATE H CHANGED AND IS EARLIER THAN IN PREVIOUS MONTHS. TO SELECTA PAYMENT DUE DATE THAT WORKS BEST FOR YOU, PLEASE CALL CUSTOMER SERVICE. TO PAYTHE AMOUNT DUE, YOU CAN ACCESS OUR WEBSITE DISPLAYED ON THIS STATEMENT OR CALL 1-800-436-796e. YeJVe been issued a VIP Thank You valued up io $100 as a special savklgsopportunity from Gilt Services. Inc.. which is note Chase atlliate. Log on by 6/15/07 to get jewelry from the Madison Collection at low caramember tale. %9sit www.gitlcard100.corN1ewalry and use code: 31620 Show Mom why ahe's the beet! Sera her ullorgedable gins from l- 00-FLOWERS.Com! Gel 16%off iresh, beautiful lower& gorgeous plants, gourmet gift baskets. delicious trllats and more when you use promotion code 66CHAS E. • For details, pease visit www. 1800FLOWERS.00hVDISCLAIMER Family 4 Pack: 4 Tickets to Sir Flags for just 08 Dollard Now through June 39, 2007, purchase 4 general admission tidiets online to any Six Flags Theme Park and pay just 99 Dollars. Log on to your account at Chass.com 10 take advantage of this exclusive offer. Weather you intend to stay in you home or buya new home, we offer a variety of mortgage products to meet you needs. Cell 1-866.836-8336 or visit wow.chase.conychasshometoan for details. Loans are abject to h7edt and property approval. Certain restrictions and limitations rrlay apply. Selections are approved and ready to ship! As a Chase Csidmemher, you can select high-quality merchandise rat avdlable to the gereral public. Brands such as Lenox, Gus and many more! Just go to www.rewerdoamer.oom and type In certificate number 168243 and make your selections now! 8364508 This Statement Is a Facsimile - Not an original x =ma Rssuasos ape N Z 26 0710.0 Pape2112 0906 IW AM 13310 116100000SC0 01 3 31 0 02 74 of 141 statement for account number: .5401 6830 1490 0911 NOW Balance PaymentDue Date Pasl Due Amount Minimum Payment $10,525.22 06/21/07 $0.00 $21000 Mdeyrwr dxek payable to Chase Card 9eMoss, Amount Enebaed Nhw address a a+ isil7 Print an back. 5403,6830149DD911DDD21DDD01D525225417425 611978Ek Z MOO D' USA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168. CHASE O 1 want b purchase MDR[ Payment Prole or Rana. 1 hav9 reeo fie endowed offer eta may cancel erry time. CARDMEMBER SERVICE PO BOX 15153 WILMINGTONDE 10aea5153 Inrill...Illr,roailnll,ndiunlldiu lnl,u,il,llu?l,i,l 1:5000 i60 28i: 209 30 &49009 i i9ee ' ele: C 04!27/07. CUSTOMER SERVICE 6 /0 P eyrnent Due Dale CHASE O 21/07 0 ! In U.S. 1. 45 -2000 Minimum Payment Due: M $210.00 Espanol 1.889.4B-4 46-3308 TDD 1-800.955.8060 Pay by phone 1-800436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 66301490 0911 ACCOUNT INQUIRIES, Previous Balance 510,6711.01 Total Credit Line di P t C 00 4250 $12.100 P.O. Box 15299 aymen , re . ts Available Credit $1.574. Wilmington, DE 19850.6298 Purchases, Cash, Delta 4-$30.00 Cash Access Ur,e $4,940 finance Charges . -$70.21 Available for Cash $1,574. PAYMENT ADDRESS New Balance 10,52112 P.O. Box 15153 Wirninglon, DE 198 86-5 15 3 VISIT U3 AT: www.cnase. mnJoreckicarda 8364508 TO redeem you points. call the numbs on the Previous points balance 300 beck of your cad or log on to Points earned for thence charges 71 wwwohase.tbnvkxedtcards Points earned on purchases 0 Now tote points balance 371 35 points to score on statement dole in AuWat 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Trarhsacion Description Credit Debil 05/16 LATE FEE $3 05119 11401392730903446000008 PAYMENT - THANK YOU 220.00 05110 74265851403202000060703 late Fee Reversal 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 36 days in cycle APR Balance Periodic Rele Fee Fin Charge CHARGES. Purchases V.03559% 12.989: $517.18 $663 $000 $0.00 $6.63 -Cash advances V .05542% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03559% 12.89% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer V .03559% 1219%. $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary `. .ol oo4% 3.095.: $6,067.48 $23.80 $000 $0.00 $23.90 Promotional summary ..01094% 3.99x. $642.55 $2.53 $0.00 $0.00 52.53 Promotional summary V .o356O% 12.981x+ $2.720.43 534.86 $0.00 50.00 $34:86 Promotional summary .01084% 3.89% $580.77 $2.29 $0.00 $0.00 $2.20 Toi& finance charges $70.21 Effective Annual Percentage Rees (APR): 8.0094 Please see Information About Your Ao=.Al eacson for balance computation method, grace period, and other important irdormation The Corresponding APR is the rate of interest you pay when you carry a balance on shy yansaclion category. The Effective APR represents your total finance charges - including irensacton tees such as cash advance and balance transter urea - expressed as a percentage. Save an everytlvng for your home: shopping, repairs, rwmvalion, & more loam more el vrww:dpmplelehome.oomlChase, and you'll be identified as a eardmarnber entitled 10 this great Trilegiam offer-which includes a $20.00 Lauren (lift caret This Statement Is a Facsimile - Not an original X0000001 F18=3500 000 N Z et MAW PrQ.idi Mess tNtt„atte7 IWODODOIOWBI19791 64 of 141 StatenWrit for account number: 54016830 1490 0811 New Balance Payment Due Date Feat Due Amount Minimum Payment CHASE $10,333.19 (('' 077,21/07 $0.00 $20600 Amount Enclosed {$ ' Mbw Y=*carrPwi nt On beck W 9eMOea 1 w8eymm1e0n Furchase, - net I heva the eenclosedPl otter en may canoes any time 540168301440041100020600010333195436435 s z,s2o7D LrdNdrd,IL1.11.IILrII,Lr+dIILl..rrLaMLMdIMIlL11 USA M M MCLAIN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1198 PO BOX 16159 WILMINOTON DE 10886.5153 r.rnitrrnrrtrnrnrrnr M.Muu rn1 9:5000160 UIll: 2093014900911964, Openin rg Data' 06/02/07.07/01/07 CUSTOMER SERVICE "Due CHASE O M Pa e ` m Due: $206 00 Espenol 1.688445-3308 700 1-300-955-8050 Pay by ph" 1-800436-7968 Outside U.S. cell coltact MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68310 1490 0911 1•302.594-8200 Previous Balance $10,52:1.22 Total Credit Line $12.100 A.O-Box 1NQUtRIE3 Box 15298 Payment, Credits -$2511.00 Available Credit $1.766 Wi"Ilm nglon OE 19650.5298 Finance Charges 4,$57.97 Cash Access Line , $4840 New Bserioe 10,333.19 Available for Cash $1,766 PAYMENT ADDRESS P.O.Box 15153 W irringlon, DE 19886-5153 VISIT US AT: waw.che se. mMcredit®rtls REWARDS SUMMARY To redeem your points c ou the number on the Previous points balance 371 back of your card or log on to Points earned for finance charges 56 wwW.chase.com/credflcads Points owned on pu chaeea 0 Now lotal points balance 429 35 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06112 6327 70 9260.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Deily Due To Transaction Accunxialed FINANCE Category 30 days in cycle APR Belenla Periodic Role Fee Rn Charge CHARGES Purchases V.03559% 12.9996 $520.03 $5.56 $0.00 $0.00 $5.56 'Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0,00 $0.00 Convenience check V .03569% 12.0896 $0.00. $000 $0.00 $0.00 $0.00 Balancetrahaier V.03569% 12.99% $2,749.02 $29.36 ..$0.00 $0.00 $29.36 Promotionalsurnmary .01094% 3.99% $5,797.17 $19.03 $0.00 $0.00 $10.03 `Promotional avnmery ..01004% 3.99% $641.85 $2.11 $0.00 $0.00 $2.11 Promotional summary .aioa4% 3.ao% $580.15 $191 $0.00 $0.00 $1.91 Total finance charges $67.97 Effective Annual.Paroentage ROW (APR): 6.78% Please we information About Your Account necfon for balance computation method, grace period. and other imporlarn information The Conespondtrlg APR is the rate of imereal you pay when you carry a balance on any Yensaction category. The Effective APR represents your 10181 finance Charges - including tramaction Was such 85 COW advance and balance transfer tees - expressed as a percentage. BmoKilions otter: $15 Off $00 purchases via web or prone. Idemily1yourse6 as a Chase customer. Mention or enter code CHASE it chadwul. Visit Brookslone.com or call 800.926.7000 Not'i valid in stores. Excludes tax, shipping, gift cards, Temper-Pedic, Sony and Bose producla. Expires 12131/07. 8364508 This StateYieflt 13 a FaCSlrnile - Not an original X 0000001 Fwasi Ds 000 N Z 01 0747101 P.C. I d t me" MAIM Zeal' 14,21 ODO00800034,014M 122 of 141 Statement for account number: SW1 6830 1490 0011 New Balance Payment Due Date Pent Due Amount Minimum Payment $10,142.68 08121)07 $0.00 $20200 Amount Enclosed Mokeyeur dweek payable to char Card Services. Nm address or a-m619 Print - back. 54Dl683Ul49009llOOD2O2ooalDl42885452428 331115M 221307D I-IRA M MCLAIN C116 IL18lE PW ?T013 1168 ILd11111111...11J1111111.d111dIJ111L.1..1.IL111.11.111 CHASE O l I want b purlasaorPla optanan•- Payment Protect I haan v? read the enclosed offer may cancel any time. IIIII11111111111611.111111111111.11.1.11IIIIIIIII...1111I1A CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19886.5153 1:50006602,81: 209 30 1490091191, 8364508 CHASE O O Peymerd Due Dalepemng/goslrgDete: : 07/02107.08/01/07 CUSTOMER SERVICE 0821/07 In U S 1 0 4 - Minimum Payment Due: . . -8 0 0 6-2000 $202.00 Espanol 1-888-146-330e TDD 1-600.055-8060 Pay by phone 1.800-436-7966 outside U.S. cell called 1-302-594-8200 ACCOUNT INQUIRIES MASTERCARD ACCOUNT SUMMARY Account Number: 54th 94130 1490 0911 P.O. Box 1529a Previous Balance $10.333.19 Total Credit Line $12,100 Wilmington, DE 19850-5298 Payment, Credits -$250:00 Available Credit Finance Charges -$5969 $1,957 PAYMENT ADDRESS Calf Access Una $4:840 P.O. Box 15153 New Balance 0,142.88 Available for Celt $1,957. Wilmington, DE 19886-5153 VISIT US AT: www AAA mmkad= de RIEWARDA SUMMARY To redeem your points, call the number on the Previous points balance 429 back of your card or log on to Points earned for finance charges 6o www.cfase.mrrJVedacards Points earned on purchases 0 New total paints balance 489 35 portals expire on statement date in August 2008 TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or Transaction Descriplion Credit Debit 07/19 20020027 0 637200007 50.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Correep. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APIs 881ance Periodic Rule Fee Fn Charge CHARGES Purchases V.03559% 12.901. $625.71 $6.80 $0.00 $0.00 $5.80 Cash. advances V.06642% 24.24% $0.00 $0.00 $0.00 30.00 $0.00 ComwWnce check V .03569% 12.99% $0.00 $0.00 $000 $0.00 $0.00 Balance transier V.03559% 12.99%8 $2,778.02 $3066 $0.00 $0.00 $30.66 Promotional summary .01094% 3.99% $5,623.50 $19.08 $0.00 $0.00 $19.08 Promotional summary .01004Y. 3.99% $642.21 $2.18 $0.00 . $0.00 $2.18 Promotional summary .01094% 3.99% $590.47 $1.97 $0.00 $0.00 $1.97 Total finance charges $68.69 Effective Annual Porcontage Role (APR): 7.05% Please a" Information About Your Account section for balance computation method, grace period, and other imported information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Eftecfve APR represents your Iola[ finance charges -including transaction fees such as cash advance and balance transfer lass - expressed as a percentage. This Statement Is a Facsimile - Not an original X000=1 FI533,916D10 000 N 2 01 07A MI P*011 011 050M W Mg 331115 2131000010000337a501 26 of 141 Statement for aocourR number: 54101 68301490 0911 New Balance Payment Due Date Paso Due Amount Minimum Payment $9.984.19 OW22/07 $0,00 $199.00 Wlcayour dieck payable to Char Card Services Amount Enclosed Nov address or o-mail? Print an back. 5401683014900911000119900009984195470823 61198 aEx Z 245M D LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013.1166 111JILuII1.ru1dLJ1.l.dbul'IdlnLdnnlLlLullLl CHASE O I want b pcycheca1eC, Rional I Paymen re t?Pt»oaPleO char en may cancel any lime.. iniums U814- I.,1111111111111I..I..111..11I..1.11.1.1..11111111..1111.11111 CARDMEMBEn SERVICE PO BOX 15153 WILMINGTON DE 198663153 i:5000 L60 28r: 209 30 Lll.9009 i i199a Opening/Cloeing Date: 08l02A7-09/02/07 CUSTOMER SERVICE CHASE O ' 9 077 In U.S. 1-800.945-2000 5 Payment Due: Minirrum 1 Es paMol 1-888.416-3308 TDD 1.800-955-8060 Pay by phone 1-900-436-7959 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Numlow: 5401 68301490 0911 1.302.564.6200 Previous Balance $10,142.88 Total Credit Line Box 15 NOU1WE3 $12,100PAC O Payment, Credit -$220.00 Available Credit . . n . DE t n $2,115 Wlmm ton DE 19850.5298 Finance Charges +$81.31 Cash Access Une , g g , $4,640 New Balance 9,9649 Available for Cash $2,115 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198863753 VISIT u3 AT: vmVV.dteae.conycre6lcerda REWARDS SUMMARY To redeem your points, ceti the number on the Previous points balance 489 beck of your card or log on to Points earned for finance chsrges 62 www.Ctase.conycedhcards Points earned on purchases - 0 New total points balance 561 35 points tc+ expire on stalement dale in Ay)uat 2008 TRANSACTIONS Trans Amount Date Reiemnce Number Marclartt Name or Transaction Dmcriplion Credit Debit. OW1 12332332743182246600000 PAYMENT- 1 HANK YOU $220.00 FINANCE CHARGES F inance Charge Daily Periodic Rate Correep. Average Deily Due To Transaction Acama6aled FINANCE Category 32 days in cycle APR Balance Periodic Rate Fee Fn Charge; CHARGES. Purchaaes V .03559% 12.99% $531.63 $806 $0.00 $0.00 $6.06 Cash advances V.06641% 24.24% $0.00 $000 $0.00 $0.00 $0.00 Convenience check V.03569% 12.99% $0.00 $0,00 $0.00. $0.00 $0.00 Balance transfer V.03559% 12.99% . $2,810.36 $32.01 $0.00 $0.00 $32.01 Promotional summary .01093% 3.991/6 $5.419.85 $18:86 $0.00 $0.00 $18.96 Promotional summary .01093% 3.99% $642.37 $2.25 $0.00 $0.00. $225 Promotional summary .01093% 3.99% $580.61 $2.03 $0.00 $0.00 $2.03. Total finance charges $61.31 Effectlw Annual Peroantage Rah (APRj): 7.38% Please. see Information About Your Accounl section for balance computation method. gram period, and other important irtormeSon The Corresponding APR is ire rate of interest you pay when you carry a balance on any Iransaction category. The Effective APR represents your total finance charges - Including iransacton fees such as cash adwrice and balance transfer fees • expressed as a parcemaga: IMPORTANT NEWS Your 2007-2008 Privacy Notilication i5 enclosed 8364508 for your record. This Statement Is a Facsimile - Not an original X0000001 FW333506 000 N Z. 01 07MM2 Pya1 d1 050M MAMA 61196 24510000060006119601 24 of 141 Statement for account number: 54101 88301490 0811 New Belanes Payment Due Date Patti Due Amount Minimum Payment $0,83827 102187 $O.OD $19600 Mste ymr dreck psyible.to Chase Cwd Serviees Arrount Enclosed ?Nwl tldress or e-mail? Print on back. 5401683014900911000119600009838875492252 42376 BW 2274010 LISA M MCLAIN 115 WYNNWOOD AVE CARLISLE PA 17013-1168 CHASE 0 I warn 10 Durctese o0liortal Payment Pro= PPoIan.* I avg readghet ter woe ed offer CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 10686-5153 lr..III-III rrr...li..llurrll u. 111,1lrr6rl,... rllr.hLLl 1:50001,60281: 209301,490091,19116 Opening/Closing Dole: OON3b7-'010' 07 CUSTOMER SERVICE De1 Due CHASE O In U.S. 1-800-045-2000 Minimum Payment Due: $106m Espaftol 1.888146-3308 TDD 1.800.056.8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-504-8200 MASTERCARD ACCOUNT SUMMARY Aemunt Number: 5401 86301490 0011 Previous BWanoo $9,884.10 Total Credt Line 572,100 ACCOUNT INQUIRIES P.O: Box 15208 Payment, Credits 3200 00 Available Credt $2 261 Wllmngton DE 19650-6208 Finance Ctterge6 11554,60 Cast Access Line , $4 940 New Balance 9,83E.87 Available tor Cast $2.261 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 10886-5153 VISIT US AT: uwrw.d?h., mnJcreditcards REWARDS SUMMARY To redeem your points, cell the number on the Previous points balance 661 back 0 your card or log on to Points earned for finance charges 55 www.chase.oonVCedricards Points earned on purchases 0 New total points balance 606 35 points 10 expire on statement date in AuNal 2008 TRANSACTIONS Trans:. Amount Date RefarencaNumber Merchant Name or Trensechon Description Credit Debit 0 12932642744315930200009 PAYMENT -THANK YOU 00.00 FINANCE CHARGES Finance Charge Deily.Pedodic Rate Correap. Average Daily Due To Transaction Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Rata Fee. Fn Charge CHARGES Purchases V.03490% 12.74% $537.38 $5.44 $0.00 $000 $5.44 Cash advances V.06504% 23.74% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03400% 12.741% $0.00 $0.00 $0.00 $0.00 $0.00 Balance Imnsiar V.034001/6 12.74% "-$2,&40.74 $28.76 50.00 $0.00 $28.76 Promotional summery ..010039/6 3.9£1% $6.235.34 $16.60 $0.00 $0.00 $16.50 Promotional summery ..01083% 3.90% 5642.38 $2.04 $0.00 $0.00 $2.04 Promolional summary .01083% 3.90% $580.62 $1.84 $000 $000 $1,84 Total finance charges $54.66 Effective Annual Percentage Rate (APR): 8.67% Please see Information About Your Accent section for balance computation method, grace period, and other imported imormation The Corresponding APR is the rate of irderihst you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction tees such as cash advance and belar trenste, fees.- expressed as a percentage. IMPORTANT NEWS Add additional authorized users to your account. An additional card is emergency help for loved ones. Stay on top of your account - monitor activity in real time, online. Add additional authorized users by calling the number Orr your statement or go 10 www.chase.C0nycredilcards. Enjoy low web rates, special otters and s 8364508 dscount too when you use your Chase/Hertz CDP* 374210 at hartz.com. This Statement Is a Facsimile - Not an original X 0000001 FIS33306 D a 000 N 2 01 07A MI Py4 t di 0511811 rM MA 42376 274101100060004237601 20 of 141 Statement for account number: 5401 6830 1490 0011 New Balance Payment Due Date Peat Due Amount Minimum Payment $1447121 11/21/07 $0.00 $20900 . W 9aMCd. Nwr oddress check 0-mail) Print on back Amount Enclosed 5401'683014900911000-0!0900010471215512891 2ma4 REt 230507 0 LISA M MCLAIN 116 WYNNWO00 AVE CARLISLE PA 17013-1168 CHASE 0 P ay en Proteector P1an*.. I have read the ahdoaerl offer antl may cancel any time. CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 L.dILtrIIL.rr,.1,l.,ILr.,ILt,IIL11rrL.l.rrrlLlL.,ldd 1:5000 1660 281: 2093016L.90091,1,9111 Openng/Closirg Date: 10/02/07-11/01/07 CUSTOMER SERVICE HASE O m Pa ?B -800-045-2000 In U S ! Duw Mini um y C 1 $208 00 Espanol 1-888-446-3308 TOD 1-600.955-6060 Pay by phone 1-800.436.7950 Oulside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 89301490 0911 ACCOUNT INQUIRIES Previous Balance $9.830.87 Total Credit Line $12,100 P.O. Box 15298 Payment Credits -$200.00 Available Credit. $1,828 Wilmington, OE 19550-5298 Purchases, Cash, Debits +5767.44. Cash Access line 54,64o Finance Charges x$64.90,. Available for Cash $1.626 PAYMENT ADDRESS New Balance 10.471.2 P.O. Box 15153 Wirninglon,DE 198863153 VISIT US AT: www chase com/cradlrards REWARns C1IMMARY To redeem your points. call the number on the Previous points balance 606 beck of your card or log on 10 Points earned for finance charges 65 www.dlfiae.corNaeditcards Points earned on purchases 768 New total punts belence. 1,439 35 points to expire on statement date In August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit. 10108 55 86 0 B 638657 THE HOME DEPOT #4149 CARLISLE PA 76 10/19 12922622746365277400000 PAYMENT - THANK YOU 200.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Correep. Average Daily Due To Transaction Accum"Gted FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Rn Charge CHARGES Purchases V.03400% 12.741/6 $1,164.54 $12,60 $0.00 $0.00 $12.60 Cash advances V.065049/6 23.74% $0.00 $0.00 $0.00 $0.00 $0.00. Convenience check V _03400% 12.74%. $0.00 . $0.00 $0.00 Woo $0.00 Balance transfer V.03490% 12.74% $2,070.64 $31.06 $0.00 $0.00 $31.06 Promolional aurnmary .01093% 3.99% $5,042.14 $17.09 $0.00 $0.00 $17.09 Promotional summary .01093% 3.99% $642.17 $2.10 $0.00 $0.00 $2.18 Promotional summary .01093% 3:99% $500.43 $1 97 $0.00 $0.00 $1.97 Total finance charges $64.90 Effective Annual, Percentage Rate (APR): 7.569E Please we Information About Your Account aetnion for balance compulsion ma6wd, grace period, and other Imp9rtera IMormali0n. The Corresponding APR is the rate of interest you Pay when you carry a balance on any transaction category . The.Eflerlve APR represents your total finance charges - including transaction tees such as cash advance and balance transfer fees - expressed sa a parcemage. IMPORTANT NEWS Add additional auttrodzed users to your account. An additional card is emergency help for loved ones. Stay on. top of your account -monitor activity in real time. online. Add additional authorized users by calling the numbe/ on your statement or go to www chase.com/creditcards 8364608 This StatemmeM Is a Facsimile - Not an original )[.0000001 Fi83333604 900 N Z 01 07nlnl Piaat aI =W IM 14VI 2am5 3051 wwowmamw 22 of 141 StMeMnt for rocouM ntarlber: 5901 68301490 0911 New Balance Payment Due Date Past Due Amount Minimum Payment $11,396.80 12/2267 $0.00 $227.00 I??1 Make year cheek payable to Chase Card Services. Amount Enclosed C?Nm address or a-marl? Print on back CHASE O 1 ware o urchgm ase arrei Plen?i P?iBetl ihaPr l= 0r' e boeu ee amen. 540168301490091100022700011396905531716 70M SEX z 330070 USA M MCLAiN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 4,,.I I L 6 d„L L, I r r I I„J r I h, h.I L LL., iI, r I r GI r{ I r, I L h l CAROMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19606.5153 L.,IIL,dII,,,,,.11., II„.rIL„IIdI..I?.L.r,11,IL.,I,L1 1:500D 160 2EW 20930&L.900911911, 1110011011ing Date: 111211 - 11111' CUSTOMER SERVICE CHASE O im t D m Pe $2 700 4 6 33 Mni mu men ue: Esppallol 1-888-- 48 .3 908 TOD 1-800-OS5-9060 Pay by phone 1-800-439.7958 Outside-U.S. Cell collect 1 302 594.8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 MO 1490 call - ACCOUNT iNWIPoES Previous Beutnce $10,471.21 Total Credit Line $12,100 15 BOX Payment Credits -$210.00 Available Credit ' $703 VAInlm . DE 19850-5299 Wiingtonn, DE Purchasee, Cash . Debits 41,059 02 Cash Access Une $4,840 Finance Charges «$701.97 Available for Cash $703 PAYMENT ADDRESS Now Balance 11,3960 P.O. Box 15153 Wilmington, DE 16806-6153 - VISITU8 AT: www. rata ere. m n?credi tneroe REWARDS SUMMARY To redeem your points, cap the number on the Previous points balance 1,439 bacK of your card or log on to Points earned for finance charges 77 www.dhaw ocimicreddcards Points earned on purchases 1,090 New total Pointe balance 2.576 35 points to enpire an stelement date in AtNuat 2008 TRANSACTIONS Trans - - - --- Amount Date Reference Number Merdhant Namur or Transaction Description Credo Debit FINANCE CHARGES Finance Charge Daily Periodic. Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fes Fin Charge CHARGES Purchases V.03422% 12.40'x. $2,370.77 $25 15 $OM $0.00 $25.15 Cash advances V.06436% 23.48`.. $0.00 $0.00 $0.00 $0.00 $000 Convenience check V.03422% 12.49`10 $0.00 SO W. .$0,00 $0.00 $0.00 Balancetreraler V-.03422% 12.49`. $2,901.56 530.78 $0.00 $0.00 $30.78 Promotional summary .0109314 3.99°.: $1,896.96 $1669 $0,00 $0.00 $16.59 Promotional summary .010939E 3.999. $642.11 $2.16 $0.00 $0.00 $2.18 Pronatianal summary ;01003% 3.99%. $560.38 $1.97 $000 $000 $1.97 Total iinance charges $76.67 Effeetlw Annual Percentage Raw, (APR): 8.079E Please see inlormation About Your Account section for balance computafon method, grace period, and other important inlormaSon The Corresponding APR Is the late of interaw you pay when you carry a balance on arty transaction category. The Ettective AP R represents your total finance charges - including transacson free such as casth advance and balance irenslar fees - expressed as a percentage. 8364508 This Statement Is a Facsimile - Not an original x0000002. FM333MD10 000 N z 01 wn242 P.9.1.11 Uses MAIM 7=4 9301000e100007op461 114 of 141 Statement for account number: 54016830 1490 0911 New Balance Payment Due Date Fast Due Amount Minimum Payment $11,240.41 01/21/08 $0.00 $224.00 11i ywr dwelt par{ble to Chase Card 4enAaes. Amount Enclosed Maw address v e-r1y1. Print m heck. 540168301490091100022400011240415550949 CHAppuS?ctIEO ant gons nI PaymBenehats 'D osuree aecson. 39M 80x21080 - I,.rIIL6rLdri.rl..Ilr.rl.llr.rlLlrlr..llr,IrlrrrlL,lltri USA M MCLAIN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013.1166 PO BOX 15163 WILMINGTON DE 19886-5153 1ndILr111Lro1r11rrlL.rdlr..ILIL.L.L.r.11.II1.rLlr1 45000 it60 i'Bt: 20930111-.9009L1,90 OpeninyClaairlg Dale: 12/03/07-01!01!08. Cl1STOMERSERVICE a. CHASE 0 M mum P ? 01121me 46.2000 h U.S 1-a Due: rv' e m Brlt aa-4 $224.00 Eapellol 1.86e-446-3308 TDO 1-800-955.0060 Pay by phone 1.800436-7968 Outside U.S. call collect. 1-302-504-11200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6MO 7490 0911 Previous Bdanw $11,391i.90 Total Credit Lino $12.100 ACCOUNTINQUIRIES p O Box 15298 Payment Credits -$230.00 Available Credit . 9859 Vyllran DE 191150-S298 ton Finance Charges 4573.51 Cash Access, Une g , $4,840 New Balance 11,240.41 Available for Cash $859 PAYMENT ADDRESS P.O. Box 15153 Wirnirlgton, DE 198863153 VISIT US AT: )ww_,,, Wncredt®rds REWARDS SUMMARY To redeem your points, as the number on the Previous points balance 2.575 bads of your card or log on to Points earned for finance c harge& 74 ww9r.dlase.wrNceditcara Points earned on purduses 0 New total points balance 2.650 3S points 10 expire on Moment date in Augual 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 1 M3 5 5 7825 6 yrrlent- en You 0.00 FINANCE CHARGES Finance Charge Daily Periodic Reis Correq-. Average Deily Due To Transaction Acwmulaled. FINANCE Category 30 days in cycle APR Balance Periodic Role Fee Fn Charge CHARGES Purchases V .03353% 12.249% $2,416.06 $24.31 $0.00 $0.00 $24.31 Cash advances V :06367% 23.24% $0.00 $000 $0,00. $0.00 $0.00 Balance transfer V-03353% 12.24°X, $2,931.73 $29.49 $0.00 $0.00 $29.49 Promotional summary .01003% 3.99`.% $4,764.64 $15.69 $0,00 $0.00 $16.60 Promotional summary .0/093% 3.99°% $642.47 $2.11 $0.00 $0.00 $2.11 Promotionstl summary ..01093% 3.9914 $5110.70 51.91 $0.00 $0.00 $1.91 Total financ6 "gee $73.51 Effective Annual Parow go Rau (APR): 71769E Please see information About Your Account section for balance computation method. grace period, and other important information. The Corresponding APR is the rate of Inerrant you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees ouch as cash advance and balance Venter leaf) - expressed as a percentage. IMPORTANT NEWS Save an. appliances. MP3 Players, toys. and more at Shoppers Advantage. Earn cash-back rewards on eligible purchases in addition to the low prices. Gat he details at www.Shoppers Advantage.comlChese. where you71 be iderrHed as a Chase carrlmember eligible for his special Triegiant offer. 83614508 This Statement Is a Facsimile - Not an original XooWW1 F1a33m Da 000 N Z 01 O6M14i Paa.1d1 MW WW 39001 0011000000owas x01 116 of 141 Statement for account number,1540166301490 0911 New Balance Payment Due Date Past Due Amount Minimum Payment $11,761.71 02121179 $000 $235.00 Amount F?hclDSad Make year dwelt payable to Chase Card Servioe. ?-? Now address or o-me19 Print on back. 5401,68301490091100023500011761715567966 ant 74 SEX Z 03M 0 USAM MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013.1168 CHASE O ICwant aseto.Durchas 9rional qq IYePPBeread h Be0 milts oie?c osures on bast of nast. Lniliriuinlriuiuliu)iriduli)lelu)lir )I)i.nl?niir.i CARDMEMBER SERV ICE PO BOX 15153 WILMINGTON DE 19886.5153 Le)IILnIILnrrJL)IInulLuilldlnlnlonlLllnrLlJ 1:5000160281: 20930 149009 i iSea OpeninyClaaing Date: 0 1/02108- 021011M CUSTOMER SERVICE '?'LJ L Didl CHASE O um t M 02f21IW In U.S. 1-800-946-2000 rn MiN Payme n Due: $235.00 Espaflvl 1-D86-44r,3308 TDD 1.000-955-6060 Pay by phone 1.800.436.7958 Outside U.S. cell collect 1,302-504-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 86301490 0911 Previous Balenre $11,240.41 Total Credit Line ACCOUNT INQUIRIES $12,100 P.O. Box 1529a Payment, Credit -$230.00 Available Credit -$338' ydkwnglon, DE 19850-5298 Purchases. Cash. Debts +5675.69 Cash Access U. 114,840 Finance Charges 8575.41 Available for Cash $338 PAYMENT ADDRESS Now Balance 11,761.71 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT U9 AT: www se rnm/credtrsrds REWARDS SUMMARY To redeem you poima, calf the number on the Previous points balance 2.%0 beck of your card or log on to Pouts lamed for finance charges 76 www.chase.oom/oreddcards. Points earned on Purchaaas 676 New total points balance 3,402 35 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Martiam Name or Trahsealan Description Credo Debit FINANCE'CHARGES Finance Charge Daily Periodic Rate Corresp. Average Deily Due To Transaction Aec rnulated FINANCE Category 31 days in cycle. APR Manes Periodic Role Fee rn Charge CHARGES Purchases V .03148. 11.499: $2,755.80 $26.90 50.00 $(1.00 $26.90 Cash advances V.06162% 22.495. $0,00 SD:D $0.00 $0.00 $0.00 Balance transfer V.03148% 11.40% $2.96043 $2a.90 $0.00 $0.00 $28.90 Promotional summary .01093%'. 3.99% $4,562.45 $1546 $0.00 $000 $15.46 Promotional summary .01093V. 3.99% $642.35 $2.15 $0.00 $0.00 $2.18 Promotional summary .01093% 349'14, $580.68 $1.97 $0.00 110= $1.97 Total. finance charges $75.41 Effective Ann-I Percentage Ras (APR): 7.86% Piesae 899 Information About Your Accent secson for balance computation mhalhod, grace period, and other important Information. The Corresponding APR is the rate of imeresl 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 toes - expressed as a Percentage. Isn't it lime you reward yourself? An exclusive, selection of merchandise has been arranged for you. Log on to www.myboruac9mar.corrr378D7 and fdatty y0u1ee1i all a Chad) Cadmernber to take advantage of this special Reward. Hurry - expires April 15, 2008. 8364508 This Statement Is a Facsimile - Not an original R0000d01 FIS33335D3 080 N 2 at oamA1 P.O. 1'dl Mass MA"W71 03t1000ea}D00et17aD1 110 of 141 Statement for account number:1i90T Isom 1490 DBTT New Balance Payment Due Date. Past Due Amount Minimum Payment $11,565.40 03/22/08 $0.00 $23100 Mya9r dhe9k parable to Chase Card SeMse. Amount Enclosed 'Iaksaddr9as a e•mat? Pnrx on back. 5407683014900911000:23100011585405580659 CHASE O I went b optiorrel pple?Ienn k 1 ha g l8 Diatlosures on of Maen. asue fi0r 2 060011 D 111111661611111111111111!1111161IIIr111111161IIIIIIIIBI LISA M MCLAIN I Is WYNNV400D AVE CARDMEMBER SERVICE CARLISLE PA 17013-1158 PO BOX 15153 WILMINGTON DE 19886-6153 61111..JMnuu111. 11.... 11ur11.[h.I. 611.11.11...11111 1:5000 L60 261: 209301,11-.90013119118 OpeningrClOeirg Dale: 02102/08 - 03/02M CUSTOMER SERVICE ua ten CHASE O M Y!1 O U B 1. 46-2008 S 7 P Due: 6884 100 E speflol 1.888-446-3308 TOO 1-800-956-8060 Pay by phone 1.800-436-7968 oulaide U.S. call called 1.302-5e4•e2e0 MASTERCARD CARD SUMMARY Account Number; 54M GWO 1490 0911 ACCOUNT INQUIRIES Previous Balance - $11.761.71 Total Credit Line $12.100 P.O. Box 15298 Payment. Credits -$260.00 Available Credit $514 Wilrangton. DE 19850-6298 Finance Charges «$79.69 Cash Access Una 54,840 New Balance $11.586-40 Avail" for Cash $514 PAYMENT ADDRESS P.O. Box 15153 Wintingtom DE 19ew-5153 VISIT U3 AT: www_dhase. corryeredit®rds RF,WARaS SUMMARY To redeem. you points. cal the nurnber on the Previous points balance 3.402 back of you card or log on to Points earned for finance Charges 74 www.Chase.comlaeditcards Points earned on purchases 0 New blsl points balance 3,476 35 points to expire on stetarient date in August 2008 TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or 7rensec5on Description Credit Ddbh 1.k You $250.00 02/21 1052062270000601679057C aymenl- The FINANCE CHARGES Finance Charge Daly Periodic Rate Corresp. Average Daily Due To Transacton AcalmlWaled FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.03011% 10.00116 $3.145.11 $20.41 $0.00 $0.00 $2641 Cash advances V.06025% 21.96% $0.00 $O. W $0.00 $0.00 $0.00 Balance trai ister V .03011% 10.9096 $2.086.89 $2700 $0.00 $0.00 $2700 Promotional Summary .01093% 3.9996 $4.348.62 $14.26 $0.00 $0.00 $14.26 Promotional summary .01003% 3.99% $642.39 $211 $000 $0.00 $2.11 promotional etxnmary .01003% 3.9096 $580.63 $1.91 $0.00 $0.00 $1.91 Total finance charges $73.69 Efteetiw. Annual Percentage Rats (APR): 7.56% Please see Intormalion About Your Account Section for balance computation method, grace period. old other imporki a !raormston The CCnesi ending APR is ale rate of lmeren you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges • including transact on tees such. as can advance and balance transfer lees expressed as a percentage. Unlimited loca along d elance, casing for $24.991monih! Try Vonage for 1 month on us! Call 1-800-659-4182 or vied www.vomrgs.ccmA vinga37. Vonage, 811 operates differently See wwn.vonage.comlal 1. Addinona fees a restrictions apply ey responding I confirm that I am a Chase customer. 8364508 This Statement Is a Facsimile - Not an original 0000001 F933M 135 coo N Z 01 Oeu3103 r .g- s. 1 ?M MAW own 0021000005000aaa901 X 0053 INS, 301119 w912M INSM791NS13006 120 of 141 Statement for sacount number: 5401 683o 1490 o911 New Balance Payment Due Date Pest Due Amount Minimum Payment CHASE O $12,150.63 04/21N8 $0.00 $293.63 G c In ac Card 9aMae: Amount Enclosed Mdreyour cheek pen ethi b $ Nrw address aro-meil? l.It Cook. 54016830149009110001?9363012150630000007 L 1 is ISA M M NCLAIN L.Jlbl..ir.ilL.Ia.1l.rdr6.rdld.L..IirJd..rllr.ll..l CARLISLE PA 117013 E168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 u 1111 O I 11. 11 a 1al l O llU. r 11...11. 1:5000660281: 209 30 1149009 i 199e C Openingl1laing Date: Payment 1..?A MS Date: Cl7 O Pa 110311-1111 CUSTOMER SERVCE 04121/08 in U S G Mininurn Payment Due: . . -600-945-2000 $ 293.63 Espsflol 1.888.4463308 TDD 1-800.955-WOO Pay by phone 1.800-436-795a Outside U.S. call collect MASTERCARD CARD SUMMARY Account Number : 6401$8301490 0911 1-302.594-8200 Previous Balance $11,595.40 Total Credit Line ACCOUNT INOUI W FS $12,100 P O Box 15298 Payment, Credits 4260.00 Available Credit . . $0 Wlminglon DE 19850.5298 Purchases, Cash, Debits 4744.18 Cash Access Line , $4.540 Finance Charges +$71.05 Available for Cash $0 PAYMENT ADDRESS New Balance 12,150b3 P.O. Box is 163 Wilmington, OE 19086-5153 VISIT US AT: www.Chase .cnnycredlt tae An overYmit be was assessed when. your account exceeded the established credit limit. RFW ARD-; SUMMERY To redeem your points, call the number on the Previous points balance 3,475 back of your card or log on to Points earned for finance charges 72 www.chase.corNcredilcards Points earned on purchases 706 New total points balance 4,254 35 points to expire on statement date in August 2008 FINANCE CHARGES Finance Charge Daily Pedooc Rata Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APF1 Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .026051E 10.241f, $3,345.95 $26.16 110.00 $0 00 $2816 Cash advancers V..05619% 21.24% $0.00. $0 00 $0.00 . $0.00 $0 00 Balance transfer V.02805% 10.249!. $3,015.12 $25.37 $0.00 $0.00 , $25 37 Promotional summary ` .010031E 3:69X, $4,116.61 $13.50 $0.00 $0.00 . $13 5 0 60 Promotional atyhlrnely .01093X 3.9aM. $612.35 $2.11 $0.00 $0.00 . $ 1 Promotional summary .010937E 3.90X. $560.56 $1:91 $0.00 $0.00 19 $191 Total finance charges _ $71.05 Effective Annual Percentage Raft (APR): 7.26% Please lists Information About Your Account eeclon for balance computation method grace period and other important imormati The Corresponding APR is" rats Of interesl you Pay When you carry a balance on , , any transaction c ategory on. The Effective APR represents your total finance charges - including transaction fees . such as cash advance and balance tranafar fees- expressed as a percentage. 8364508 This Statement Is a Facsimile - Not an original 0000001 F19=si505 000 N 2 of WAIAI Paget 01 05896 MAMA 46203 OW ODMOS0004020301 X 0053 42 of 141 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Deavirxion r•._.. r,...... Statement for account number: 54018830 1400 0011 New Balance Payment DUB Date Peel Due Amount Minimum Payment $11.825.07 06121)08 $0.00 $238.00 Mahe your Meek payable to Cher Card S*r-A-. Amount Enclosed New address a e-mail? Print on back. 540168301490091100D2!3800011926075613112 3706, M Z 1227 0 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 CHASE O ppurchase opllonsl I wart to Chaga PBymant Prtlia N.V. IW reed he Bof is a ourse on of insert. 11,,111,1..1. I.J. CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1,1, I I I, ..I I I n....116116.0111111 L I L,I, . L a..I LI L. d J J 1:5000 160 281: 209 30 1,49 009 111911• Open I si plC o Date. 04/02108 -0 5/0, oa CUSTOMER SERVICE ` p m ar D CHASE O 0 In U.S. 1.800.645-2000 Minimum Payment Due: $238.00 EBpaRDI 1.868.446.3308 TDD 1-800.955.8060 Pay by phone 1-800-436-7958 Outside U.S. call toilet! 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 69301490 0911 ACCOUNT INQUIRIES Previous Balance $12,1 50.63 Total Credit Line $12,100 P.O. Box 15298 Payment. Credits -$300.00 Available Credit $173 Wilmington, DE 19850-5298 Finance Charges +$75.44 Cash Access Ur e S4.840 926.07 Available for Cash New Balance $173 PAYMENT ADDRESS , P.O. Box 15153 Wilminglon, DE 19886-6153 VISIT US AT: www.dheae. mMaredtrards REW AR ns SL MMA RY. To redeem your points, call the number on the Previous poimsbalance 4,254 back of your card or log on to Points earned for finance ctargea 76 wwwcha+e.coMVedtcards Points earned on purchase, 0 New total pants balance 4,330 35 pomts 10 expre on statement date in August 2008 TRANSACTIONS Tmna Amount Date Rekeence Number Merchant Name or Transaction Descriplion Credit Debit 04/21 11121122700005FW881037 Payment - Thank You $300:00 FINANCE CHARGES Finance Charge Daily Periodic Rate Correop. Average Daily Due To Tmnsadion Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge - CHARGES Purchases V.021105% 10.211% $3,933.87 $33.10. $0.00 $0.00 $33.10 Cash advances V .05819% 21.24% $0.00 $0.00 . $0.00 $0.00 $0.00 Balancalrmsler-' V.02805% 10.24% $3,040.69 $25.59. $0.00 $0.00 $25.59 Promotional summary .01093% 3.969: $3,879.73 $1273 $000 $0.00 $12.73 Promotional summery .01093% 3.00% $642.35 $2 11 $000 $0.00 $2:11 Promotional summery .01083% 3.90% $580.59 $1.91 $0.00 $0.oo $1.81 Total finance charges $75.44 Effective Annual Percentage Rale (APR): 7.499E Please see, Information About Your Account section for balance computation method, grace period, and other important imormalion. The Corresponding APR is the rate of interest you pay when you carry a balance on ary transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer tees - expressed as a percentage. Guard against idemty theft and manage your credit information with Chase ID Protection. Get unlimited access io 3-in-1 credit reports and scores, daily monitoring of your cede lies, timely Bans and more. To purchase. call 1-4188-717-7534 or visit www.chasaidpro*dion.com. 8364508 This Statement Is a Facsimile - Not an original 0000001 FC0=W5 De 000 N Z of WASxft P.Q,l 01 I15er MA.M 37064 1=000D0900D3706401 R oosa wa13or3 ws+26n 28 of 141 Statement iw sooount rpimber. 5'401 6830 1490 M1 New Balance Payment Due Dale Poet Due Amount Minimum Payment $11,003.15 0821)08 $0.00 $23800 make Yom check payable w: Q Chess Card Services. W Pklesowri*amountanci 04. Now address or e•mai? Pnnt on back. 540768301490(1911000123800011903155627672 3101M lEr 2153$ D USA M MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013.1168 L..IILnIIIr...rJ1..ILr..IL.dL11rrL.L..JL11..rLIJ CHASE O I went io ?urtllaaa optbrml Chase P ymenl Prdtector Alan. IW read W 01h_s¢, owes on in Ill JIIrLtLdl loll.. Ill. fit 11. 0.1111 J... 111.1. 1.1.1h.11A CARDMEMBER SERVICE PO BOX 15153 WILMIN13TONDE 19886.5153 4 5000 1,60 281: 209 30 1,49009 L 1,9me 8364608 Opening"cloaingDale: 05/02)00.06/01n38 CUSTOMER SERVICE O Payment Due Dote: CHAS E 0621/06. In U.8. 1-000-045-2000 1.17 Minimum Payment Due. $236.00 EspaAol 1-808-446-3308 TDD 1.800.955.6060 Pay by phone 1-600-436-7858 Outside U.S. Call collocl - 1-302.5948200 MASTERCARD CARD SUMMARY Account Number: 54016030 1420 0911 ACCOUNT INQUIRIES Previous Balance $11,926.07 Total Credit Line $12,100 P.O. Box 15299 Payment, Credits •$250.00 Available Credit $196 Wiinsngton, DE 10850.5206 Purchases, Cash, DoUls 4150.00 Cash Access Una $4.840 Finance Charges +$77.06 Available br Cash $196 PAYMENT ADDRESS New Balance 11,903.15 P.O. Box 15153 Mhtmiroon, DE 198863153 VISIT US AT:. www.rham cor1JC editcards REWARDS SUMMARY _ To redeem your poima calIthe number on the Previous points balance 4,330 beck of your card or log on to Points owned 10r financial charges 78 www.c ha9e.00rn/rredacads Points earned on purchases 150 New total points balance 4.558 35 points to expire on statement date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 0510585481078125551912036932 SHIPLEY EF V lids 717A484t00 A 150.00 05/21 1.1421422700005362183040 Payment • Thank You 250.00 FINANCE: CHARGES Finance Charge Daily Periodic Ra% Corresla Average Daily Du: To Transaction Acatmu leiod FINANCE Category 31 days in cycle APR Balance Periodic Rata Fall Fn Charge CHARGES Purchases V.02737% 9.9996 $4,070.32 $34.60 $0;00. $0.00 $34.60 Cash advances V .06751% 20.9896 $0.00 $0.00: $0,00 so.00 $0.00 Balance transfer V.02737% 9.9916 $3,066.40 $25.02 .$0.00. $0.00 $26.02 Promotional summary .01093% 3.9996 $3.634.42 $12,31 50:00 $0.00 $12.31 Promotional summary .01093% 3.99% $642.35 $2.18 $0,00 $0.00 $2.18 Promokonalsummary .01D031% 3.9996 $580.59 $1.97 $0.00 $0.00 $1.97 Total mnanc0 Charges $77.08 Effective Annual Percentage Rate (APR): 7.70% Please as& Informalion About Your Account aecson for balance compumson method, grace pence. and other important information Th e Cotre"Ming APR is the rate of interag you pay when you awry a balance on any transaction category. The Effective APR represents your total finance charges - including usineecton sea such as cash advance and balance transfer toes - expressed as a percentage. IMPORTANT NEWS Guard against Idemihy theft and manage your credit inormation Will Chase ID Protection.. Get unlimited access io 3-in-1 credit reports and scores. daily monitoring of your crodii figs, timely siarts and more. To purnria99, call 1-800-217.0291 or visit www.claseidproleLtion.com. This Statement Is a Facsknlle - Not an original 0000001 F1833305 D 5 000 N Z 01 03,3W P.O. t a 1 0506 M4 MA 3964 15310[00050003995.01 X OD53 INS12670 W913214 INS12e20 W9132151N313216 60 of 141 Statement for account number: 54016630 1490 0911 New Balance Payment Due Date Prst Due Amount Minimum Payment $11,889.87 07121108 $0.00 $237.00 E r Make yeurehe4e ss. to: Chase Csrd 9arvlan Planowrite amount enclosed. Now address or amai? Print on back 540168301490091100023700011889675648067 1:50004r-0281: 209301,490091,1,91's 'Opaning/Closing Dale: 06/021)8-0 7101/08 CUSTOMER SERVICE ? CHASE O ? mum 156 . In U S 1.600-945.2000 /21 1 ni P ay. 1 : Due , $ 00 Espanol 1.888448-3308 TOD 1-800.955-8060 Pay by phone, 1-900-436-7958 Outside U.S. call collect MASTERCARDCARD SUMNIARY Account NUrtbar t :5got6wo 1490 0911 1-302-594-0200 Previous Balance $11,903.15 Total Credit Une ACCOUNT INGUI FOES $12,100 P.O BOX Payment, Credits -$250.00 Available Credit , DE $210 Wilmington n DE 79850-5288 Purchases, Cash, Debis +$167:.00 Cash Access Una . . $4,840 Finance Charges +$74,.52 Available for Cash $210 PAYMENT ADDRESS New Balance --T1 =891-67 P.O. Box 15153 Wilmington, DE 19086-5153 07WBE 121630e0 1.1.111.1rh.1.11111.1.1,. 1.11. 1.1..?li..i.l...ll.,ll..l LISA M MCLAIN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1168 PO BOX 16153 WILMINGTON DE 19886-5153 L..ill.will......IL.11....11..11611..L.6.1. CHASE O I want to purchase optional gqeGrlla?sa Pnymem Pgr?onts??,torg Distl au se on bhedc of in9ert. 111H.5 U.0 VISIT US AT:' www chew. 0111rrire61 rds REWARDS SUMMARY To redeem your points, car the ntrrlber on the Previous paints balance 4,558 back of your card or log on to Points earned for finance charges 75 www,ch se.00m1credacards Points eertsd on purchases 162 New W1al points balance 4.795 35 pointeto expire on stafemerd date in August 2008 TRANSACTIONS Trans - Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06/20 11721722700005510580as avmenI • Thank You 50 00 06/3055541868182004016095301 COMCAST CENTRAL PA 800-COMCAST DE 162.00 RNANCECHARGES Finance Charge Daily Periodic Rate Correao. Average Daily Due TO Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.027371/6 9.99% (4,137.82 $3398 $0.00 $0.00 $33.98 Cash advances V .05761% 20.9996. $0.00 $0,00 $000 $0.00 $0.00 Balance transfer V.027371/6 , 9.991% $3,082.12 $25.39 $0.00 $0.00 $25.39 Promotional summary. .01093% - 3.991146 $3,397.14 $1114 $0.00 $0.00 $1114 Promotional summery .01093% 3.99% $642.32 $2.11 $0.00 $0.00 $211 Promotional &mmary .01063% 3.89% $580.57 $1.90 $0.00 $0.00 $1.90 Total finance, charges $74.52 Effective Annual Percentage Rate (APR): 7.54% Please see information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR lathe rate of interval you pay when you carry a balance on any transaction category. The Etecivo APR represents your total finance charges including transaction less such as cash. advance and balance transfer tees - expressed as a percentage. Guird against idemtly the" and manage your credit inlorrtslon with Chase ID Protection. Get unlimited seceas 10 3-n-1 credit reports and scores, daily monitoring of your credit ties, timely darts and more. To purchase, call t-SCO-217-0291 or visit www.dsseidpmtsdion,com. 8364.508 This Statement Is a Facsimile - Not an original ODOODOI FW3335DO 000 N Z Ol 060711 P.O.I d1 Owes W"0711139 16310000W00007139e01 R 0053 w912as11NS132e211A 17052IN913293 46 of 141 Statement for aooourdnumber: 5AI01 6830 14190 0911 Now Balance Payment. Due Date Pala Due Amount Minimum Payment CHASE O $11,755.21 ON21/08 $0.00 $235.00 Make year Ch chew payable tk.: ess Card $etvlaa. Milese write amtunt endosed. Now Oddest or wma#? Print on back. 54016830149009110002'3500011755210000006 73MBEXZ2140e0 I.1.IILL.1.11.Is.1.111...LL.i.I11 1.1 ...16.I11.1111u1Ld LISA M MCLNN 116 WYNN11111000 AVE CARDMEMBEq SERVICE CARLISLE PA 17013.1168 PO BOX 15153 WILMINGTON DE 19866-5153. ...IIL..IIL...1.IL.IL...IL.IILIL.L.L...II11L.rlr 1:5000 i60 2161: 209 30 149009 i 19tia Payment Due Gate: CHASE O mum 07/02818 •.0&01/08 CUSTOMER SERVICE 0 M n Peymern Due: $235/00 08 Esparbl 1.888-446-33 TDD 1-800-955-8060 Pay by phone t-800-436-7858 Outside U.S. cell colied MASTERCARD CARD SUMMARY Account Number : 8401 68301480 0911 1-302.594-8200 Previous Balance $11,888.67 Total Cre dal Line ACC OUNTINQUIRIES $12.100 'P.O. Box 15298 0 Payment, G Credits -$250.00 Available Credit $344 Wilmington DE t9e50-529e Purchases. Cash. Debts .$37.20 Cash Access Una $4,840 Finance Charges .$78.34 Available for Cash $344 PAYMENT ADDRESS New Balance 11,75521 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. mm/creditcards REWARDS SUMMARY To redeem your points. call the number on the Previous points balance 4,795 beck of your card or log on to Points earned for firkins charges 79 www.chase.oorNcreditoerds Points earned on purchases 38 New total points balance 4,912 35 points to expire on statement date in Augis12008 TRANSACTIONS Trans _ Amount Date Reference Number Merchant Name or Transaction Description Credit Debit. 07/03 252478081002330325571 NORTHSIDE VETERINARY C CARLISLE PA 7 p 07121 12032032700005641083838 Paynaxtt - Thank YOU 250.00 FINANCE CHARGES Finance Charge Daily Pedodic Rate Correspl Average Deily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rare Fee Fn Charge CHARGES Purchases V.02737% 9.90. $1,360.48 $37.00 $0.00 $0.00 $37.00 Cash advances V.05751% 20.99% $0.00 $0.00 $0.00 $0.00 $000 Balance transfer 1/.0273796 9.99x. $3,118.02 $2646 $0.00 $0.00 $26.46 Promotionalstanmary .01093% 3.99% $3,165.41 $10.73 $0.00 $0.00 $ Promotional summary 01093Y. 3.889.1 $842.35 $2.10 $0.00 $0.00 8 $2.1 Promotional summary. .olo93% 3.999. $580.59 $197 $0.00 $0.00 $1.97 Total finance charges $78.34 Ettective Annual Percentage Raft (APR): 7.92% Name, sea Information About Your Account thection for balance computation method, grace period and other important information. The Corresponding APR lathe rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your Iola] finance charges - including transaction fees - such as cash advance and balance transfer files - expressed as a percentage. I PORTANT NEWS Guard againal Identity then and manage your credit information with Chase ID Protection. Got u nlinmed access 10 3-k1-1 Credit reports and scores, daily monitoring 01 your credit flee. timely Blame and more. To purchase, tall 1-800-217-0201 or visit www.chassidprotedion.com. 8364508 This Statement Is a Facsimile - Not an original ODOODOI Fk--% 506 ODD N 2 01 OsI i P.g.I Q1 Pslta MAW 73W2 2141oowmo007aomol X OD53 w813342w3133181N813]SD IN913951 36 of 141 Statement for account number: 5401 68301490 0911 New Balance $12,107 57 Payment X9/2 D810 Peet Due Amount 0 Minimum Payment CHASE O Q; Male your pay. to: Chase W Card Swrv Pkasowrito armlxn ondosod. Now address or amal? Print on badc. 54016830149009110004,0857012101570000007 4mmamz2twao 6nlll.lnl,.LI..1.dI.H61....11d.1...11.11...IIAIA USA M MCLAIN 116 WYNNWOODAVE CARDMEMBERSERVICE CARLISLE PA 17013.1166 PO BOX 15163 WILMINGTON DE 19866.5153 L..IIL..IIit...r.ll..llr r.rll...IIIdL.1..6...IhiL..Ll.l 1:5000 L60 281: 209 30 11,49009 1 L9ee OpeninglClosing Dale: 00102108 -09/01MO CUSTOMER SERVICE ' Pus Da,e: H SE O M - ' 6- ° b857 ft A C I Due: m m $' -33000 Espe ftol ;=M8?6 TDD 1-600.955-8060 Pay by phone 1-900.436.7958 Outside U.S. tali collet! 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number : 54016830 1490 0911 ACCOUNT INQUIPoES Previous Balance $11,75:1.21 Total Credit Line $12,100 P.O. Box 15298 Payment, Credits -$256.00 Available Credit $0 Wilmington, DE 19850.5298 Purchases. Cash. Delta 8$3411.11 Call Access Line $4,840 Finance Charges +5247.25 Available for Cash $0 PAYMENT ADDRESS New Balance 101 12 57 P.O. Box 15153 . , Wilmington, DE 19866-5153 VISIT US AT. www Milim coMcrediteards The new APR and. promotional rate expiration retecled on this statement is a result of a late payment on your aco«1m. For your convelience, you can always pay online by accessing our webarle displayed on this stelemem. REWARn% SUMMARY To redeem you poima call the number on the Previous palms balance 4,912 back of your card or log on to Palms owned for finance charges 248 www.rhase.aDmIcredecads Points earned on purchases 311 Total points expired this period 35 New 10181 points balance 5,435 35 points to expire on statement date in Slgrember 2008 TRANSACTIONS Trans Amount Data Reference Number Merchant Name or Transaction Description Credit Debi Effective Annual Percentage Ravi (AP11): 23.999E Please see Information About Your Accm nl section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of intare61 you pay when you carry a balance on any vansaction category. The. Effeclve APR represents your total finance charges- including transaction tees such as cash advance and balance transfer fees - expressed as a percentage. 8364508 This Statement Is a Facsimile - Not an original 0000001 F933333507 000 N z Ot O9g9A1 P.Ca1 d1 05096 tW MA 4MB 2451000DMOO40MM R W53 40 of 141 FINANCE CHARGES Finance Charge Deily. Periodic Rate Corresp. Average Daly Due To Transaction Accumulated FINANCE.. Category 31 days in cycle APR Balance Periodic Role Fee Fn Charge CHARGES Purchases V,06573% 23.69% $8,385.73 $170:87 $0.00 $0.00 $170.87 Cash advances V ,08573% 23.69% $0.00 $000 $0.00 $0.00 $0.00 Balance transfer V.06573% 23.999: $3,748.47 $76.38 $0:00 50.00 $75.38 Total finance charges $247.25 Statement for account number- 5401 883014190 0011 New Balance. Payment Due Date Past Due Amount Minimum Payment $7,418.26 101`21178 $0.00 $351.00 . Mail. your check payable to: Chase Card Services, Please write arrl0kxrt enclosed. New addresa or e-mail? Print on back. 540168301490091100035100007418265711322 414m aEx Z 27505 D USA M MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013-1168 Ii.rI1L.kIILrrrk.ll..IlrrlrllrrrllrlLJr.ir.rr11r11r.rldJ CHASE O I want lO gUrCh Tonal Chase Pymen?tt P oteeo?1t pplIan IVe read the ?enetnsers a Oisdostres on bads of Int. IrrrIILLrIrrLl.rLkllkrrtJ.kkrlLl.l..rllrrl,l.rklirairrp CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE. 19886-5153 is 5000 160 26t: 209 30 149009 L 1911' Openinygosirg Date: 09602118.1"M CUSTOMER SERVICE Due Date, 1012. 45-2000 In U.S. 1-800- Due: CHASE O Minimum 4 $51.00 EspeMl 1.888346-3308 TOD 9-800.955.8060 Pay by phone 1-800336-7958 Outside U.S. call colletxI 1-302-5948200 MASTERCARD CARD SUMMARY Account Number : 5301 ONO 1490 0911 , ACCOUNT INQUIRIES Previous Balance $17101.57 Total Credit Line $12,100 P.O. Box 15298 Payment, Credits 45,000.00 Available Credit 54.681.. WIIninglon, DE 19850.5298 Purchases, Cash, Debits .$78.00 Cash Access Line $4.840 Finance Charges 423E.69 Available for Cash 54.681 PAYMENT ADDRESS New Balance 7,418726 P.O. 15153 VAWirninox lminglon. DE DE 19686.5153 VISIT US AT: wwwchaso. imicredicarAs R WARr?13 St IMMARY To redeem your points, call 1-800-603-2266 or Previous Points Balance 0 log on to www chaset.ourniaedilcards_ Points Transferred In 5,436 - Points Earned On Purchases -0 Points Expired This Period 0 Current Pdm9 Tot. 5,436 35 Points Due To Expire on Statement in , Eleptemlow, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.conVaeditcarrls to sea the compliete seieclon of gilt rardslgift certificates and to redeem. TRANSACTIONS Trans Amount Dale Retarence Number Mwchant'Neme or Transaction Description Credit Debit OW21 LATE FEE 9:00 30.00 00!02 O . - UUMIT FEE 10/0112752752700005074681440 Payment-TharIK YOU 5,000.00 FINANCE CHARGES Firtance Charge Daily Periodic Rate Corrosp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in coo APR Balance Periodic Role Fee Fn Charge CHARGES Purchases V .06573% 23.6,9% $8,298.73 $163,64 $0.00 $0.00 .$163.64 Cash advances V.06673% 23:99% $0.00 $0.00 $0:00 $0.00 $0.00 Balancetranster V .06573% 23119% $3,605.93 $75.05 $000 $0.00 $75.05 Total finance charges $238.69 Effective Annual Percentage Rate (APR): 23.99% Please see Information About Your Account section for balance computation method, grace period and other important intormatitin. The Corresponding APR is the rate of interea you pay when you tarry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction tees such as cash advance and balance transfer teas - expressed as a Percentage. IMPORTANT NEWS Guard against ldamity, theft and manage your credit iniormation with Chase Identity Protection. Gat access to 3-in-1 credit reports and scores, daily monitoring o1 yourcredit files, timely alerts and more. To purchase, call 1.800-217-0291 or visit www.Chas lidpmteclion.com. 836;4508 This Statement Is a Facsimile - Not an original 0000001 F1 311501 MCI N z o1 0wrm, Pag.101 05816 AAM11"s 2751000006000414MOI R 09]1 IN910a52IN9104a 30 of 141. Statement for accourrt number: 5501 68301490 0911 New Balance Payment Due Date Pas! Due Amount Minimum Payment $7,169.22 11122108 $0.00 $222.00 Melee your check payable to: Chug Card Services. r arrrossd. New address etltlres ws or W e?mendei? Point on bade. 54016830149009110002!2200007169220000005 CHASE O 61767 eEx Z 3070B0 iredll,lrrlirLLJerll.iJr6ri.ILLLa1L.LIrirIIr.ILr1 LISA M MCLAIN il6 WYNNWOOD AVE CAROMEMBER SERVICE CARLISLE PA 17013-1168 PO BOX 15153 IMJIbr.1161.ri.IlMll.irJIM111LiL.L,IrrrJLllMrL61 WILMINGTON DE 19886-5153 1:5000 L60 2B1: 209 30 1149 009 L L9ae e a e: W D P 10/02A8 - „rzv 8 CUSTOMER SERVICE a= P u 0 In U.S. 1-800-945-2000 CHASE O Miari6um Payment Due: $222.00 Espetloi 1.888448-3306 TDD 1-800155-8060 Payby Phone 1-800-436-7968 Outside U.S. cell CdI6C1 1.302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 UM 14900911 N TINQUIRIES ACCOU Previous Balance $7,410.26 Total Credit Line $12,100 P.O. Box 15296 Payment, Credits -$4011.00 Available Credit $4.930. Wilmngton, DE 14850-5298 Finance Charges «$150.96 Cash Acc ,se Line $4.840 22 Available for Cash 7 69 a $4,540 PAYMENT ADDRESS , . New Bal nce P.O.Box 15153 Wilmington, DE 19886-5153 VISIT US AT: 030303. rln ass. m riftedirards RF_WARIIS SUMMARY To redeem your Points call 1-800.603.2265 or Previous Points Balance 5,436 log on to www.chas@.cDmACreditcards- Points Earned On Purchases 0 Points Expired This Period 0 Current Points Total 5.436 35 Points Due To Expire on Statement in September. 2009 Corgratulationsl You have enough points to redeem. Log on now to www.chese.com/creditcards 10 we the complete selection of gift cardsrgift cemaicates and to redeem. TRANSACTIONS 'trans Amount Date Reference Number Merchant Name or Transaction Dewipion Credit Debit 10121 12952952700006063603851 Payment- Thank You 00.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corrasp. Average Daily Due To Transaction AccvmAaled FINANCE Category 32 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.06436% 23.49% $3,973.03 $81.83 $0.00 $0.00. $91.83 Cash advances V.05614% 20.49% $0.00 $0.00 $0.00 $0.00 $0.00 Balaneetrahster V.06436% 23-49% $3.356.58 $69.13 $0.00 $0.00 $69..13 Total finance charges $150.96 Effective Annual Parcentage Rate (APR): 23.49% Please see Information About Your Account section for balance compulsion method. grace period, and other important information. The Comeaponding APR is the rate of inu rest you pay when you carry a balance on any transaction Category. The Eileclve APR represents your total finance charges . including transecion tees Such as cash advance and balance transl or fees. expressed as a percentage. Receive $10 off FIOdde's lineal citrus when you identify yourseN as a Chase Cardnember at AI's Family Farmell! BIG SAVINGS on 201be Navel Oranges. Grapefruit or Mixed. First Time Buyers Only-$26.95 Plus SaH, Limit 2, Ends 01/15 Visit tmaw.enloycitrus.com Or Call: 1-888-231-2314 Dept.06X 8364508 Did you know you can use your ae61 card to access cash whenever you creed it? All you need is your PIN (Personal Identfication. Number) and an ATM. Just Coil 1-800-297-4970 to create your PIN today. This Statement Is a Facsimile - Not an original 'OD 1 FIa33=136 00) N Z 01 -142 Pe2eldt 0+666 MA MA 64767 3671 OOOOO5COO8476701 X 0371 wa/3160INW3461 38 of 141 Statement for account number: 540168301490 0911 Ne$44287 Peyrrhent?12121/08 Pest Oue Amount Pilynnent CHASED rl. Malrc your theca payable to: IClt?eae Payment PrtltOdori rys Cheat Card 90vices. Oz. IYe read he Banelns 6 VW' Pleasewrae amount enclosed. sures on ?ack of insert. New address or wmai? Print on back. nin."s Dill 5401683014900911000:15700004432875751289 LISA M M MCL6mo. L..III,L,I,.LL.6dL.?IJ,,,,II,LL.,III,LL.dI,.U,d MCI,AiN 116 WYNNWOODAVE CAROMEMBER SERVICE CARLISLE PA 17013-1166 PO BOX 15153 WILMINGTON DE 1900"153 I.MIILMIIIMM..11., 111 MIL1u11r11..11.luuli1111A.1,1 1:5000 i60 2131: 20930 L49009 L i9ae OP „CIoaI D e: 1 W3108 - 1210; 08 CUSTOMER SERVICE ? e CHASE O In U.S 1-800-45-2000 Minimum Payment Dub: $15700 Espefbl 1.688.4446-3308 TDD 1-800-056-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302.584.8200 MASTERCARD CARD SUMMARY Account Number: 54M 611301490 9911 ACCOUNT INGUIPoES Previous Balance $7,159.22 Total Credit Line $12,100 P.O. Box 15298 Payment, Credits -$2,85D 00 Available Credit $7.667 Wtmnglon, DE 19850.5298 Finance Charges 1$113.65 Cash Access Line $4,840 New Balance 32.67 Available for Cash 54,840 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198866153 VISIT US AT: www.rhese.mm/veditc Ards REWARDS SUMMARY To redeem your points, cal 1-800-603-2265 or Previous Points Balance 5,436 log on 10 www.chase.corNcredacards. Points Earned On Purchases 0 Points Expired This Period 0 Current Points Total 6,436 35 Panis Due To Expire on Slatemern n Oclober. 2009. Congratulations' You have enough paints to redeem. Log on now to www.chase.com/Cr9dilicieds 10 see he complete selection of gift cards/gift certificates and to redeem. TRANSACTIONS Trans Amours Dale Reference Number Merchant Name or Transaction Description Credit Debt 1 V19 13243242700006 91204245 Payment • colt You 50.00 11122 13273270400000244673620 Payment - Thank You 2,600.DD FINANCE CHARGES Finance Charge Daily PenodcRale Corresp. Average Daily Due To Transaction Accurnu!ated FINANCE Category 29 days in cycle APR Balance Periodic Rule Fee Fn Charge CHARGES Purchasers V.05299% 22.99% $2,975.02 $52.52 $0.00 $0.00 $52.52 Cash advances V.05477% 19.69% $0.00 $0.00 $0.00 $0.00 So.00 Balance transfer V .06299% 22.99% $3,346.18 $61.13 $0.00 $0.00 .$61.13. Total finance charges $113.55 Effective Annual Percentage Roo (APIA): 22.9991 Please see Information About Your Aocoull section for balance computation mathod, grace period, and other important iniormafon. The Corresponding APR is the gate of irds,sal you pay when you carry a balance on any transaction calegory. The Effective APR represents yourlolal finance charges - including transaction fees such as cash advance.. and balance tranatllr fees - expressed as a percentage. IMPORTANT NEVUS Maka he days merry a bright with holday gift tom 1-800- 9owers.com(o! Save 15% on your purchase of fresh flowers, gift baskets, chocolates and more when you Identify yourself as a chase cardmernber and mention code chaiiii For details please visit www.18001owerscorNdlsdalmar 8364508 This Statement Is a Facsimile - Not an original 0000001 F193333506 000 N Z 01 OBn2001 P.C.1 d1 05596 MA ..A 12703 33610000090001270301 R 0371 N312591 NS135MINS13526 130 of 141 Statement for account number: 5401 6836 1490 0911 New Balance Payment Due Date Past Due Amount Minimum Paymeni $4,426.03 01121109 $0.00 $197.00 -` Mahe your cheek Payable to: Chase Cad S.rvtas. Pleemwrita arrountsndosed. New address or e-mail? Print on back. CHASE O Cw m alt PBurchffieoptional plan I've read 1hepje01rtoI e Disclosures on beds of in 540168301490091100019700004426035767250 I o9al av Z1000 LISA M MCLAW 116 WYNNVy00DAVE CARLISLE PA 17013.1186 I„JILL,LdkL,LrIL,.LI.... ILI.1...I1k,61-11u11u1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTODE 19886.5153 1: 5000 L60 2181: 209 30 L49009 i L9lle Open nyClairg Once: O- % 12/02,118 -0 1101108 CUSTOMER SERVICE SE O M4 m Pu e b 9700 3 kN uu 9n Due: CHA ym 308 Espeffcl 1?8 446.3 TDD 1.800.955.6060 Pay by phone 1-800-4315.7958 Outside U.S. call collect 1-302-504-8200 MASTERCARD CARD SUMMARY Account Number: 5901 60014900911 ACCOUNT INGUIPoE8 Pf"Qua Balance $4,432.87 Total Credit Line $12,100 P.O. Box 15298 Payment, Credils -$160.(10 Available Credit $7.673 Wilmington, DE 19050.5298 Purchases. Cash. Debits $39.do Cash Aocma Una $4.840 Finance Charges +$11,1.16 Available for Cash $4,840 PAYMENT ADDRESS New Balance .4263 P.O. Box 15153 Wdrn5nglon, DE 198863153 VI3R US AT: www chant oornicraditca ds The new APR and promotional rate expiration reteatod on this statement is a result of a Isle paymem on your account. For your oomrrvhience, you can always pay online by aassdng our webeile displayed on this statement. REWARDS fit I MMARY To redeem your points, call 1-800.603-2265 or Pr"ous Pointe Balance 5.436 log on to wwwc hase.oonvcreddcards. Pointe Earned On Purchases 0 Points Expired This Period 0 Current Points Total 5.436 35 Points Due To Expire on Statement in October, 2009 Congralulations! You have enough poirda to redeem. Log on now 10 wanr.deae.corlVaaditcands 10 see ms CWV1919 selection of gift cardalgift cenillmles and to redeem. TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or Transaction Description Credit Debit 12/21 i 0. 0 12120 13643542700006363009627 Pfryment - Thank You .160.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Coh'reep. Average Daly Due To 7ransaci on Accumulated FINANCE Catogory 31 days'in cyde ` APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.08216% 29.99% $1.100.24 S28,25 $0.00 $0.00 $26.25 Cash advances V.08216% 20.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer V .08216% 20.99% $3.373.18 $85.91 $0.00 $0.00 $95.91 Total finance charges $11416 Etleedva Annual Psrcer,tage Rine (APR): 29.999 . Please see Information About Your Account section for balance computation method, grace period, and other important imormation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Eflective APR repressme your tote, finance charges - including tranaeclon fees Such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Romence them in aye with gifts from 1300-Rowers.coml Order now to save 15W on fresh Valentine's flowers, sweet treats and more great gifts when you identify Cardrrember and mernon code Chose". you'self as a Chase 'For details ple visit www.1800Flowera.coMdiad&mer ase 8364508 This Statement Is a Facsimile - Not an original 0000009 F193=5138 OOo N 2 Ot OWMI01 P.g.1 d 1 05486 Ml1 MA t oval pa t 0000o800W pest b X 03N W91350 W313M INS13636 18 of 141 PsyrrteM Due Date New Balance Past Due Amount Minknum Payment p2121A19. ¢1,337.35 C $0.00 :'154.00 Account number: 64016830 1400 09111 Make your cheok payable to: Chase Card Services. rs oed. Now Now address a tramntondosd? Prin[ on adv. 540168301490091100015400004337350000003 17137 BE% Z 03200 0 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013.1166 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE .19806.5153 l.ulllrrrlllrlrrr.ll.rllr r,rllrrrlllalLlL.Ir.r.11JL.drL1 1: 5000 160 281: 209 30 149009 i.19la statement Data CHASE O 01102100.02/0189 skrutpyewaeeaent-line: aNrw ehaso lnrnlvad Yxards Wrdmun Payment: $154.00 Payment Due Date: 02/21 A9 Additional contest infomntim o3nwriw1lMr lodtad on corona ado ACCOUNT SUMMARY LIASnRCARD Account Number: 6401 6930 1490 091 Previous Balance $4,426.03 Total Credit Line $12,100 Payment, Credit -$200.00 Available Credit $7.762 Finance Charges 4111.32 Cash Acceas.Line $4,940 New Balance 54,33 35 Available for Cash $4.040 REWARDS SUMMARY Previous Palms Balance 5,436 To redeem your points, call 1-800.603-2265 or Points Earned On Purchases 0 log on to www.Ulaae.comkreditcards. Points Expired This Period 0 Current Pants Total 5,436 35 Pointe Due To Expire on Statement in Oclober, 2000 Congratulatonsl You have enough point to redeem. L09 on now to www.chase.c0r1VOraditcard8 to $ea the complete esiedicn 01 gift camlVgitt certificates and to redeem. ACCOUNT ACTIVITY - :Data of mclion Descrlotion t Name or 7r a c M Amount il3 n er h Imam ton 01116 Payment - Thank You -200.00 Fl NANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 3ldaysmcycle APR Balance periodic Rate Fee Fin Charge CHARGES Purchases V .00216% 29.69% $1,011.66 $25.77 $0.00 90.00 $0 00 $2577 00 $9 . Cash advances V .08215% 29 99% $0.00 $0.00 $0.00 Balance Vander V .00216% 29.119% $3.356.75 $85.55 $0.00 $0.00 . $85.55 $111 32 Totel-finance charges Eftective-Annual percertage Rats (APR): 29.994E Please see Information About Your Account section for balance catpu!atlon method, grace period, and other important irdormation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Ettedive APR represents your total Snarce charges - including transaction tees such`as cash advance and balance fiensfer fees • expressed as a percentage. IMPORTANT NEWS We are bringing you deer and simple! Take a lock at the now format of your statement - we hope you fin tl 11 easier to read. It sill has everything you need on the from and back, with'Imormation simply displayed. Recorre a 25% discount on TaxCut Online federal programs al www.hrblodcwrNdhase/olier.This identifies you as a Chase customer. Select the online program that is right for . you: Basis Premium or Signature. Valid until 10/1 51200Q State programs not included in otter. Gat unlimited local a long distance calling with Vonage for $24.99/Month every month. Youll get 25 great teeluras M no extra cost. See Vonage.corN91 I. High Speed.intemet re- quirfhd. For detals identify yourself as a Chase derdmember and call 800-807-8983 or visit www.vonage.mrnvstan14 lodayl 8364508° This Statement Is a Facsimile - Not an original 0000001 P5333341105 0110 N 2 Ut 01MAI Pg., d 1 Mad 1"" 17137 03210000050001713701 X 0371 1N3137Q/ w9137e31N913772 16 of 141 Payment Duo Dale New Balance Peel Due Amount Minimum Payment IXi12'I/09 $4,235.83 C 50.00. 1140.00 Account number: 5401 8830 1480 0911 Mahe your check Payable to: Chase Cana 9wikxea. Plessewriw arroumend-od. New address v e-mail? Print on back. 54016830149009110001,4000004235935807845 wu eo1 z oam o LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 I...III...ill.pr.ill..Il.... IIInllrliulr.l....I1,iL..1.L1 'og4??11f ss$o?l I ward I ym?ent r teact?orl IVs read tie Benefits& owes on hark of Insert. L..IlLlrrL,I.L.1..ILr.Ll,rnilLLL.rIIIrLLr?IL.IIrJ CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153. e:5000460281: 20930 149009 L 191la. Statement Date: /? Cr"'!'iSEO 02/02/09.03/01/09 ?M.nageyeurakxifuntonline: -.a chime mmrvetlrtl• - iMrdmtlm Psymerft: $140.00 Paymorvi Due Dots: 03/21108 Addltlond ooMaQ tlaermatlae amveniendy Iccsted on rl7verseside ACCOUNT SUMMARY MASTERCARDAccwntNumber: 6401 6830 1490 0911 Previous Balance $4,337.35 Total Credit Line $12,100 Payment, Credits -$200.00 Available Credit $7,864 Finance Charges .$98,58 Cash Access Line $4.840 New Balance. 5.03 Avaledefor Cash $4,840 REWARDS - ARY Previous Points Balance 5,436 To redeem your points, dell 1-800-603.2265 or Prints Earned On Purchases o log on to www.ch8se.com/crsditc&fd& Points Expired This Period 0 Current Points Total 5,436. 35 Pointe Due To Expire on Statement in October, 2008 Congratulations! You have enough pants to. redeem. Log on now io www.chase.corNQedttcardsto see the c0rrlpl9ie selection Of gift carddgitl certificates and to redeem. ACCOUNT ACTIVITY - Date of 9 Am01nf. TTransacign Msrdhem Name or Transaction Descriation_ 02/16 Payment - Thank You -200.00 FINANCE CHARGES - Finance Charge Transaction Daly Periodic Rate Cornrep. Average Deily Due To Fee/ Accumulated FINANCE Category 26 days. in cycle APR Balance Periodic Rate Service Charge Rn Charge CHARGES Purchases V .08216% 29.89% $926.67 $21.32 $0.00: $0.00 00 00 $0 00 $0 $21.32 $0.00 , . . Cash advances V .06216% 29.99% $0.00 $0. Balance transfer V .08216% 26.519% $3,368.59 577.26 $0.00 $0.00 $77.26 $98.58 Total thence charges Effective Annual Percentage Rala (APR): 28.899E Please see Information About Your Acaourd section for valance computation method, grace period, and other imponanl Iraonnalion. The Corresponding APR is the rate of inleresf you pay when you carry a balance on any 1renesction category. The.Etteclive APR represents your total finance charges • including transaction tees such ae cash advance and balance sander tees - expressed as a percentage. IMPORTANT NEWS Pay your taxes the easy way oday and spread your payments ovi over time. Go to www.chaaepayyourtaxes.comhax 10 pay your taxeswth your Chase credit card. Worried your taxes weren't done mrreciy? Get a Second Look review from H&R Block for just $29. In the Pest; we found mistakes in 4 out 5 Of the returns brought to us for a Second Lode Review. Call 877-685-LOOK. This identifies you as a Chase customer. 8364508 This Statement Is a Facsimile - Not an original 0000001 F83333OD13 as N Z alt COMM P.O.I d3 056915 MI1rM 36794 OW1b000t300006Je.D1 R 0371 xV 31. 101wS135961NS137e4INS137as 10 of 141 Payment Duo Date New Balance Pest Due Amount Minimum Payment 04121109 $4,135.63 ? $0.00 $142.00 Account number: 540188301490 0911 Maly year check rv payable to: Chase Card Services, Piaesewine amount and sad. Now %ddrass or rmai? Print on bark. 5401683014900911000:.4100004135635825712 5M7BEx Z0910a0 USA M MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013.1168 I:5000 1,60 2181: 209 30 149009 L i9ua Statement oats: CH ASC O 03/02100.04/01 A9 Minimum Payment: 5141.00 Payment Due. Data: 04121/09 ACCOUNT SUMMARY MASTERCARDAccount Number: 5401683014900911 Previous Balance $4,235.93 Total Credit Una $12,100 Payment. Credits 4200.00 Available Credit .$7,964 Finance Charges +$99.70 Cash Access Line $4,040 New Balance ,6 Avalape for Cash $4.040 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19885.5153 Mtnase yow account online: wwxt -h •o?r yootNVafaeards Additional contact infermalti n co-ri-dy 1-ated on /scenes tide REWARDS SUMMARY Previous Palms Balance 5,436 To redeem your poste, call 1-800-603-2265 or Palms Earned On Purchases 0 log on to winw.ctmae.cornkraditcards. Points E4*ed This Period 0 Current Pointe Total 5,436 35 Points Due To Expire on Statement in October, 2009. Congratulations! You have enough points to redeem. Log on now to www.chese.conyvedtcsrdsto sae the complete selection of gilt cardafgilt certificates and to redeem. (ACCOUNT ACTIVITY I Data of Transacion Merchant Name or Trertaaclion Desvmtion y,Am=I 03119 Payment - Thank You -200.00 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rate Correap. Average Daily Due To Feel Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases .07668% 27.99% $634.68 $19.54 $0.00 $0.00 $19.64 Cash advances .07668% 27.99% $0.00 $0.00 $0,00 $0.00 $0.00 Balance transfer .07568% 27.99% 93.359.54 $79.86 $0.00 $0:00 $79.86 Total finance charges $a9 70 Effective Annual Percentage Rate (APPO: 77.9119E Please sea Information About Your Ace vrt section for balance computalion method, grew Period, and other important information. The. Corresponding APR is the rate of in Brest you pay when you carry a balance on any transaction category. The Etleclive APR represents your total finance charges - including transaction lees such as cash advance and balance ransffx fees • expressed as a Percentage. IMPORTANT NEWS Satre 10% at La Ownta Irma a Suiles where your travel dollars go even. further wilh FREE Bright Side Breakfast. FREE High-Speed Internet and Comy beds. Book now through 9/30/09 at www.LOAOMChasel0 or call 1-800SLEEP-LO (753-3757) and ask for prorrio -Chasel0" 8364508 This Statement Is a Facsimile - Not an original 0000001 F1113930805 0Do N Z on 090./1 Pg.1 d3 0589% "MA 54907 0911000008a054a0791 X.0371 0,11114124 e1a13667 INS13%27 INS13s2% I want bDurchmeaappibnel Chase PPeMerit Protector Discq IYB reed he Benefits a osures onback of Insert. 1.1.11661141.1.16.11u.IIIU..III181.u1I.A.isIII11. 11nI 52 of 141 Payment Due Data New Balance (Past Due Amount Minimum Payment 06/21/08 $4,028.86 I 50.00 50.00 Account number: 5401 6830 1480 0811 Mal1e your check payable to: chase Card 5-1ces. Please write amount "dosed. New address or ..1119 Print on bark. 54016830149009110DOOi0000004029980000006 05577 et9r 2 12100 D LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013.1168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18866.5153 L..111,11111......11..11...41,1.11.11,1 61- .11.i 1-1.1.1 11:50001.602131: 209 30 &49009 i 191'8 Statement Data: CHASE O 04A2I08-05:01119 Ilana8.ylana«ountonliw: ' Minimum Payment: $400 vawcl.asamrryaad dca<tla Payment Due Dole:. 05121109 Additional -,*act Information «nwnanty located on remorse side ACCOUNT SUMMARY MASTERCARD Account Number: 6401 88301480 0811 Previous Balance $4,136.63 Total Credit Line $12,100 Payment, Credits 4200.00 Avelade Credit $8,070 Finance Charges +$84.35 Cash Access Line $4,840 Now Balance , N0 98 AValade for Cash $4.840 -71 REWARDSSUMMARY Previous Points Balance 5,436 To redeem your points, cell 1-800-603-2265 or Points Earned On Purchases 0 log on to www.chase.corn/credilcardaL Points Expred'This Period 11 Currant Ponds Toted 5.436 35 Points Due To Expire on Statement in October, 2008 Congratulations! You have enough points to redeem. Log on now to www.chase.Com?aeditcards 10 aft the complete selection of giftcarddg!h certificates and to redeem. 1A000UNT ACTIVITY I Date of Tranaacton Merchant Name or Transaction Description lAmo ni 04120 Payment - Thank You -200. DO FINANCECHARGES Finance Charge Transaction Daly Periodic Rata Correep. Average Deily Due To Fee I Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchasas .07668% 27.88% $737.74 $16:87 $0.00 $0.00 $16.87 Cash advances .07666% 2TQQ,% $0.00 $0.00 $0.00 $a,oo $0.00 Balance transfer .07668% 27.86% $3.363.85 $77.38. $0.00 $0.00 $77.38 Total finance Charges $84.35 ElleeWe Annual Percentage Rata (APR): 27.99% Please see Information About Your Account section for. balance computation method, grace period, and otter importan t intormation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Efteclive APR represents your total finance charges - including transaction fees such as cash advance and balance transfer lees - expressed as a percentage. IMPORTANT NEWS You have the lexlbilly 10 skip a payment. You must pay pool due and overdim8 balances inrttadialely. However, the remaining mnin um payment for this month has been reduced to $0. Finance charges will continue to accrue. To reduce your balance, feel free to make a Payment. 8364508 Go green. and remove the Paper clutter from your IHet Sign up for paperless deremerlts at chase.coMcredilcards, and feel secure in knowing your statements will no longer to in the mail, but accessible anylime ordinal Limited line otter on'Brilish Airways... Save $100'rA. Bock a rand-trip flight on British Airways worldwide in World Traveller Plus or World Traveller between Mar 23. AuC31.2009. Veit ba.com/chase100 to book your light. Oiler ends June 30, 2009. • Terms a condlons apply. This Statement Is a Facsimile = Not an original 0000001 Fffisa,36 D7 000 N Z 01. OGaiAt Paget d3 05686 MAW 05577 12110000070000557701 X 0371 cast 397o 56 of 141 Payment Due Dal* New Balance Post Due Amount Minimum Payment p6121/OPd $10,128.30 C $0.00 $217.00 Account number:. 340188301180 0911 Male: yow check payable te: Chase Card Services. Pleaso wrae em0lnt endosod. New address or amai? Pnnt "back. 54016830149009110DOir-3700010126300000005 34639 SEX 21 S20e0 LISA M MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013-1168 I.blilp.lll..uulI..III rn11...11.ILJul..nli rllrell.lrl CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19886-5153 1:50006602B': 209 30 1,49009 i 19aa '? Statement Date: CHASE O o5f02/09-05/01" Menageyow¦xmntonline: wow M?.rax Additional contact Infownaticn conwnenllylocated onreverseade ACOOUNTSUMMARY M82TERCARD Account Number: 54101 0030 1490 09111 Previous Balance $:4,024,98 Total Credit Line $10,500 Payment Credits -$200.00 Available Credit $373 Purchases, Cash, Debits +$5,000.00 Cash Access line $4,200 Finance Charges +$29332 Avaiabie lot Cash $373 Minimum Payment: $217.00 Payment Due Date: 09121A9 New Balance 10,1260 REWARDS SUMMARY Previous Points Balance 6,436 To redeem your points, call 1-900-603-2265 or Prima Earned On Purc eses 0 log on to www.chase.cornkredhcards. Points Eldred This Period 0 Current Points Total 5,436 35 Points Due To Expire on:Statement in October, 2009 Congratulation,' You have enough points 10 redeem. Logan now to www.chase.COnt/vetil®rdat0 sae the 0011"pkte selection Of gift talde/gth cersiceies and to redeem. (ACCOUNT ACTIVITY I Dale of 7 1gu Merchant Name or Transaction Description CAmo O1 05/15 Payment - Thank You -200.00 05/06 81472 CHEC K TO OOIdINIC GOODHART 1,000.00 05708 TRANSACTION FEE 30.00 05106 81473 CHECKTO DOMINIC GOODHART 5,000.00 05/08 TRANSACTION FEE 150.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Correap. Average Daily Due To Fee / Accumulated FINANCE Category. 31 days in cycle APR Balance Periodic Rate Service Charge Fn Charge CHARGES Purchases .07666% 27.99% $510.27 $14.51 $0.00 $0.00 $14.51 Caen advances .07669% 27.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .07666% 27.99% $0.00 $0.00 $160.00 so.00. $180.00 Balance taneter .07668% 27.99% $3,349.50 $79.62 $0.00 $0.00 $79.62 Promotional summary ..01357% 4.99% $5,235.15 $22.19 $0.00 $0.00 $22.19 Total finance charges - $296.32 EtlwctNe Annual Percentage Rate (APR): 35.70% Plena See Information About Your Account section for balance compwalion method, grace period, and other importan t information. The Corresponding APR is the rate of inleleal you pay when you carry a balance on any transaction category. The Effective APR represents your 10181 finance charges - including transaction lose such as cash advance and balance taxi tees - expressed as a percentage. IMPORTANT NEWS _ __- Celebrate Our Biggest FREE Nights Offer! Stay any 2 nights, then enjoy a FREE night at participating hotels. Including ImarCominenml, Crowns Plaza. Holiday Inn and Hoiday Ice Express 8364508 This Statement Is a Facsimile - Not an original 0000001 FIS33MO12 000 N I. 01 0sA¦et P.9e1 d1 macs "A 35639 15210000120009.83e01 x 0311 1Natasn 62 of 141 Payment Due Date New Balance Post Due Amount Wrilmrm Payment ,g7/gy /09. $8,892.20 C SD.00 5215.00 Account number: 5401 6830 1400 091'1 - Mal. sea, ur shed payable to: $y our Chase CW Services. Plwsawrite amount el?? Print Print New dress or amd on bark. 54016830149009110002!1500009992200000009 361.3 BENZ IBM D LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 1...llli.r11L...ulinIII Jl-IIIIIII61 61M oil 116.1,11.1 I...I I l.l..i..lr l..I..I I...1.I....I l.l.i... ll..i.l. r.l x..11 A CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,,60281: 20930 149009 1 1910 8364508 Statement Date: CHASE O 06102MO.07/01,09 Mirdmum Payment: $215.00 Payment Duo Dale: 07121109 ACCOUNT SUMMARY MASTERCARDAceountNumber: 5401 0030 1490 091 i Previous Balance .$10,125.30 Total Credit tine $10,500 Payment, CrediU -$25000 Available Credit $607 Finance Charges +$11540 Cash Access Line $4,200 New Balance g,ggM Available for Cash $507 Mehuge youreecount onlt..e: ^•-s n MINI Additional contact kderrrladon. conveniently located on reverse ado REWARCISSUMMARY Previous Points Balance 5,436 Congratulation! You have earned enough o points to redeem for $60 in gift cartilicatea or Points Earned On Purchases Points Expired This Period 0 even a slaterlhantcredit. Log onto Currem Points Total 5,436 werw.chele.0on?rewardslo see the rewards available to you. 35 Points Due To Expire on Statement in October. 2009 Your Free Cash credit card ear n& 1 point for every eligible $1 you spend on purchases. Earn additional points as much as 10 points per $1 shopping online through www.chase.corlVrewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points 1!or all those purchases too? Redeem your points anytime, or just check out new otters at wwwc hase.convrewards. [ACCOUNT ACTIVITY --' Date of 7ransacson Merchant Name or Trensaclion Description !k Amount 06/19 Payment- Thank You -250.00 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rate Cornlsp. Average Daily Due To Feel Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rata Service Charge Fin Charge CHARGES Purchases '.076689. 2709% $572.35 $13.17.' $0.00 $0:00 - $0.00 $13.17. 00 $0:00 $0 Cash advances .07668% 27.099. $0.00 $0.00 00 $0.00 00 $0 09% $0 27 - $0.00 $0.00. . . . Convergence: chest ..07668% Balance transfer .07668% 27.09% $3,395.69 $78.11 $0.00 So= $78.11 Promotional summary .01367% 4.09% $6,00172 $24.62 $0.00 $o00 $24.62 Total finance charges $1.15.80 Effective Annual Percentage Rule (APR): 13.949E Please see Information About Your Account section for balance computation method, grace period. and other important information. The Corresponding APR is the rate of inlENe51'you Pay when YOU carry a be!ance on any trensacr ion category. The Effective APR represents your total hence charges - including transaction lees such as cash advance and balance tans!er feea - expressed as a percentage. IMPORTANT NEWS Discover your lavorne Slerbudc9 Vivarno Smoolho! They come in three tarrastic savors: Orange Mango Banana, Barrens Choccele a Strawberry Banana. Each contains 280 calories or leak has great nutritional benefits arid tastes sensational! This Statement Is a Facsimile - Not an original 0000001 F8333WD9 000 N Z Ol MOM Phg.1 dl OY9a MA Mx13514 16210000O60=54A X , 14 of 141 Payment Due Date Now Balance rPast Due Amount Minimum Payment 86/27/09 59,667.63 L 50.00 5224.00 Account ltamnba: 5401883A 14D0 Osi11 • Make your cheek Payable to: Chase Card Services. Plass-it amount andosad. Now address or a- 1? Print on back. 54016830149009110002240000986763000000L LISA M MCwN 116 WYNNWOOD AVE CARLISLE PA 17013.1166 Ir..IIlrllrL.I,L,1.r11rrrirL..rl1,i.L.rILJ,1.1?IL.IL11 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18696-5153 1:5000 660 N31: 209 30 149009 L L9ns Statement Date: CHASE 0 07/02roa-OB/02Aa Manage your oceountontlne: ' h9nimtlm Payment: $224.00 [eads www.ehaso mmhdod - Paymem Due Date: 0927109 Addi9onal contact loonratlon ACCOUNT SUMMARY MASTERCARDAccount Number: 5401963014900911 aonvaraantlyzestodon r rsedda Previous Balance $6,692.20 Total Credit Line 510,500 Payment, Credits 5250.00 Available Credit $632 Finance Charges 4125.43 Cash Access Line $4,200: New Balance 59.8E763 Available for Cash $832 REWARDISSUMMARY 71 Previous Pointe Balance 5,436 Congratllation&! You have earned enough Points Earned On Purchases 0 points to redeem for $60 in gift certificates or Palma Expired This Period 0 even a statement credit. Log Onto Current Ponta Total 5,436 www.dhase.Domtresards to am the rewards avallablelo you. 35 Pointe !Due To Expire On Statement in October, 2009 Your. Free Cash credit card same 1 point to every eligible $1 you spend on purchases.. Earn additional points - as much as 10 points per $1 Shopping online through wwll1.0 hase.oom/rawardeplus. Add authorized users, and sign upto have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or plat check out new offers at www.chase.cointrowards. ACCOUNT ACTIVITY Date of Trani ctian Merchant Name or Tratsaclfon Description SAmount 07120 Payment - Thank You -250.00 FI NANC:E CHARGES Finance Charge Transaction Daily Periodic. Rote Cortese Average Deily Due To Fee! Accumulated FINANCE Category 32 days in cycle APR Balance Periodic Rata Service Charge Fn Charge CHARGES Purchases .07668% 27.66% 5586.12 $14.38 . $0.00 $0.00. $14.38 Cash advances .07668% 27.9e% 50.00 $0.00 $0.00 $0.00'.. $0.00 Bale mrwsfw .07668% 27 ati% $3,477.36 $85,33 $0.00 $0.00 $85.33 Prorrlolonal Mummery .01367% 4,99% $5,690.04 $25,72. $0.00 $0.00 $25.72 Total finance charges $125.43 E11ec11ve Annual Percentage Rate (APFO: 15-13% Please seer Information About Your Accourn section for balance computation method, grace period, and other important irnorrnation. The Corresponding APR is the rate of intereta you pay when you terry a balance on any transaction category. The Etiocllve APR represents your brat finance charges - including transaction fees such as cash advance and balance transfer tees - expressed as a percentage. Please note you have a new payment due date that has been extendad to give you more time. to pay. The new payment due. date is reflected on this statement. N you prefer to select a payment due date that better maets your needs. please call Customer service. 8364508 This Statement Is a Facsimile - Not an original 0]00001 F13333M D 6 000 N Z 01 ODA9,02 Prpe t d 1 Mae MAMA 0x107 2141000DOW W W 0701 X 0371 INS139V 132 of 141 Paymmml Own Date New Balance rPast Due Amount Minimum Payment $10.365,47 $0.00 $23200 1 1 L AL.ccount nagnbwJ : 5901 MW 1490 OD'ri Mahe your herd, s Services. pa"ble W Chw Card he,* ae. L Pkasew lto amount enclosed. New address or wmat? Print on back. 5401o6830149009110002320001036547000000000000005 33302 BU Z 8N0e 0 LISA M MCLAIN 116 WYNNWOODAVE CARLISLE PA 17013-1168 L..III111111......Ii..IL...II1.111.IL11..L...ILil,.ddd 11...11,1.1, ..11..I.I.. rI L Al.. i CARDMEMBER SERVICE PO BOX 16153.. WILMINGTON DE 19011"'IS3 1:5000 LG0 264 20930&L.900944911* 8364508 Statement Date: CHASE O 08103/09-OW01109 B Menage yew ascountonline: h W df d• Minimum Paymerlt: aeu- - ev ulww: $232.00 Payrnem Due Dais: 09!26!09 Adatfonal cormad: iMermaticn conveniently located on reverse side ACCOUNT SUMMARY Account Number: 54M $6301490 0911 Previous Balance $6,867,63 Total Credit Una $10.500 Payment, Credits -$317:84 . Available Credit $134 Purchases, Cash. Debits +$686.61 Cash Access Una $4,200 Finance Charges 4128.17 Avatable ldr Cash $134 New Balance 10,365.47 T. REWARDSSUMMARY Previous Points Balance 6,436 Congratulations! You have earned enough Points Earned On Purchases 619 points to redeem for $60 in gift certificates or Points Expired This Period 0 even a statement vest. Log onto Current Points Total 6,065 www.dase.com/rewards to see the rewards available to you. 35 Points Due To Expire on Statement in Octotxir, 2008 Your Free Cash credit card earns 1 point for every eligible $1 you spend on punVnees. Earn additional points - as much as 10 points per $1 shopping online through www.chaee.rarnlrewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get poste for all those purchases too? Redeem your points anytime, or just Check out new otters at www.c hese.comhewards. CCOUNT ACTIVITY Date of 7rgDgwign Merchant Name or Transaction Description & Amount 08102. . WMSUPERCENTER SE2 MECHANICSBURG PA -27.56 08115 wM SUPERCENTER SE2 CARLISLE PA 40.28 08120, Payment - Thank You -250.00 08102 WM SUPERCENTER SE2 MECHANICSBURG PA 36.71 08102 WMSUPERCENTER SE2 CARLISLE PA 169.11 00/o7 WALMART.COM WALMART.COM AR 210.94 05/21 EMBARO PYMT-WEB CRB 688.723.6010 KS 110.47 08121 DISH NETWORK-ONETIME 800.333.3474 CO 50.82 08/24 YORK WASTE DISPOSAL YORK PA 44:50 08/24 NATIONAL GRID 80041223223 NY 61.96 FINANCE CHARGES Finance Charge Transaction Defy Periodic Rate COrwid Average Daily Due To Feel Acamulalad FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases .07656% 27.90% $1,045.72 $24.06 $0.00 $0.00 $24.06 Cash advances .07668% 27.90% $0.00 $0.00 $0.00 $0.00 $0.00 Balance Transfer .07668% 27.90% $3,560.95 $81.92 $0.00 $0.00 $81.92 Promotional summary .01367% 4.90% $5,655.46 $23.19 $0.00 $0.00 $23.19 Total finance charges - $129.17 Effective Annual Parentage Rats (APP): 15.10% Please sea Information About Your Account section for balance computation method, grace period, and other important information The Cornesponarg APR is the rate of inform you pay when you carry a balance on any trensaclion category. The Effective APR represents your total finance charges - including transaction fees such as bash advance and balance transfer fees - expressed as a percentage. This Statenrtent Is a Faesknile - Not an original ODOOM F193333006 000 N Z et ODAeA1 P.gat dl 05865 MA MA 38302 . 24.1000008000903MM X 0371 No, -ow 86 of 141 Payment Due Date New Balance Post Due Amount Minimum Payment 10/26!09 $10,200.26 C $0.00 $23500. Act number: 5401 GM 1490 09,11 71 Male year onenr Payable te: Chase Card 9wlae. Please wrae amount enclosed. Now address or?mal? Print on bads. 5401683014900911000i2360001020026000000000000006 3e/e3 BEX Z274M0 ?nJll.1nil.1rlU lnl1..r111..eJlJJr.ril7llll.nl11111u1 LISA M MCLAIN 116 WYNNWOOD AVE CARDMEMBERSERVICE CARLISLE PA 17013-1168 PO BOX 15153 WILMINGTON DE 19886.5153 i..11111..111.1111.1 h.16rrrIll. u11.16.ip6.. 111.11... 111.1 1:5000&6028l: 20930 &49009 i i91p Statement Data: CHASE O 09/02M9-10/01/08 henaaeyour account online: . www ?N?omMaodae.•a• Minimum Payment: $238.00 Payment Out Dale: 10ram Additional aenhict Informed- ACCO UNT SUMMARY Account Number: 6401 68301490 0911 cones ip tly located on nir orse ido Previous Balance $10,365.47 Total Credit Line $10,500 Payment, Credits -$300.00 Available Credit $290 Finance Charges 4134.79 Cash Access Line $1,200 New Balance 10,200.26 Available for Cash $299 REWARDS SUMMARY Previous Points Balance 6,055 Congratulations! You have eamed enough points Earned On Purchases 0 points to redeem for $60 in gih certificates or Points Expired This Paled 35 even a slatemenl credit. Log onto. Current Points Total 5,020 www.chase conyrewards to am the rewards available to you 33 Points Due To Expire on Statement in November. 2009 Your Free Cash taedit card earns 1 point 1cr every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.comhewardapiue. Add authorized usem and sign up to have your monthly bile Charged to your card. Why not gel points t.x all those purchases too? Redeem your points anytime, or just chdt out new offers at www.chase.cornlrewaroa ACCOUNT ACTIVITY Date of Trena1111= Merchant Name or Trar,section Description 1 Amount 09120 PWmenl - Thank You -300.00 FI NANGE CHARGES Finance Charge Transaction Daly Periodic R ai@ Conesp. Average Daily Due To Fee l Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Rn Charge CHARGES Purchases. , .07668% 27.99% $1,250.14 $28.76 $0.00 $0.00 $28:76 Cash advances .07666% 27.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance Vansler .07668% 27.60% $3.643.80 $83.82 S000 $0.00 $83.82 Pron1010nalaummary .01367% 4.99% $5,416.64 $22.21 $0.00 $0.00 - $22.21 Total finance charges .$134.79 Etleeave Annual Percentage Rate (APR): 15.6e9L Please see intonnation About Your Account section for balance computation method, grace period. and other important infornnation The Corresponding APR is the rate of interest you pay when you carry a balance on anylransection category. The Effective APR represents your total finance charges - including transaction tees such as cash advance and balance fronster tees - expressed as a percentage. 8364508 This Statement Is a Facsimile - Not an original 0000001 F1933=06 000 N 2 et WMI Pyet at Mile MAIM3e.as 2741 0000ME0591alm X 0371. 66 of 141 Payment Due Dale New Balance Past Due Amount Minimum Payment tt/267o9 $1o,o4t2t C $o.oo $zgtoo Account! nttml»r: 540188301490 0811 rv payable to: Chase se Car check Par cve swkee. Please write amount enclosed. New address or wma9? Print on back. 54016830149009110002410001004121000000000000002 40902 BEM 7 30509 0 LISA M MCLAIN 116 WYNN WO00 AVE CARLISLE PA 17013.1168 LrhllLtrllLhrtr.I1r11L nJLnILOnL.l..rrllrlih.rld.l 1:5000460281: 209 30 1,49009 L L9aa CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 10886-5153 Statement Date* CHASE O 10/02100.11101A0 ,g AMnageyowa«wM4mOhhe: wrw.eh asa.com/crod xeards Minimum Payment: $241.00 Payment Due Dais: 1.1120/08 Additional contact Information ACCOUNT SUMMARY Account Number: 64016830 1490 09111 mnvenently located on reverse side Previous Balance $10,200.26 Total Credit line $10,500 Payment, Credits -$300.00 Available Credit $458 Finance Charges r$14Q.95 Cash Acoeaa Lino .$4,200 New Balance 10,041.21 Avallableior Cash $468 REWARDSSUMMARY Previous Points Balance 6.020 Congratulations! You have earned enough Palma Earned On Purchases 0 points to redeem for $50 in gift certificates or Point s Expired This Period 33 even a statement credit. Log onb Current Points Total 5,967 www. chase.convrewards b we the rewards available b you, 34 Points Out To. Expire on Statement in Oscernber, 2009 Your Free Cash credit card earns t point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through wmv.chase.mnVrewardsplus. Add authorized users, and sign up to have your monthly bil s charged to your card. Why not get points'lor all those purchases too? Redeem your points anytime, or just check out new otters at www.dhase.coMrewards ACCOUNT ACTIVITY Date of Tre_nsaiction Merctanl Name Or Transaction DeselOiin_IL SAMLM 10123 Payment - Thank You -300.00 FINANCE CHARGES Rnance Charge Transaction Daly Periodic Hale Correep. Average Daily Due To - Fee! Accumulaod FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purcheses .07668% 27.90% $1,270.71 $30.42 $0.00 $d.00 $30.42'. Cash advances .07668% 27.89% .$0.00 $0.00 $0.00 s0.00 $0.00, Balance transfer .07668% 27.99% $3,728.98 $88.66 $0,00 $0.00 $88.56 Promotional summary .01367% 4.99% $5,161.87 $21.87 $0.00 $0.00 $21.81 Total finance charges $140.85 Effective Annual Percentage Raw (API): 11ILCM Please sea Information About Your Amount section for balance cornputalion method, grace period, and other important irdormation. The Corresponding APR isthe rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your bred finance charges - including transaction tees - 'wc1 all been advance' and balance Yensler lose - expressed as a percentage. IMPORTANT NEWS Chase Gib Cards. The Perfect Oil' Available in any amount from $25 to $500. Accepted at millions of locations woddwide. Order online at chase.corrVOtlCardOrder or stop by a Chase Branch today' 8364508 This Statement Is a Facsimile - Not an original 0000001 P63333009 000 N z 01 09/11,01 Pga1 d1 05580 MAMA 40802 305100000e0OD400MM R can Wa14312Wa143011 68 of 141 Payment Due Date New Balance Past Due Amount Minimum Psymem 12/26/09 $0,928.35 L 50.00 5237.00. Account number: 540168301460 0911 M.keyour ehedk P.y.Wc to: Q; C 1 ?gm to rCh a lonel W. Fraudgoator.• hase Card Service.. $ PUsawrite armint enclosed. 0llraee on bark oTmsen. Now addraas or.-mail? Print on be& 54016830149009110002370000992935000000005969019 419108MZ335ND LrJILLrLrL LISA M MCLAIN L.LJLr.LL..rILLL.rIirJd .JLrllal 116 WYNNWOOD AVE CARLISLE PA 17013-1166 CARDMEMBER SERVICE PO BOX 15153 L.11llrrrllLkrr1.11.rILr.rllrtrllrJhr6.1..,rIIrllr.rlrLl WILMINGTON DE 19666.5153 1:5000 L60 281: 2093011,490091,19116 Statement Date: ?t CHASE O 11102to6-12/01109 I" M.r.geyeara«wm.tunc wev, ch.sa.condorpilk its Minimum Payment: $237.00 Payment Due Date: 12126/09 Addltlon.l oenviet infomt.tbn ACCOUNTSUMMARY Account Number: 5701883014900911 conveniently located on reverse site Previous Balance $10,041.21 Total Credit Line $10,500 Payment, Credits $250,00 Avaiable Credit $570 Finance Charges +$138.14. Cash Access Line $4,200 New Balwce 9.928.35 Avaiable tar Cash $570 REWARDS SUMMARY Previous Points Balance 5,987. Congratulations! You have earned enough Paints Earned On Purchases o points to redeem idr $50 in gift cerfdkales or Points Expired This Period 34 even a statement credit. Log onto Current Points Total 5,053 nww.dlase.conJrewards to a" the rewards sysiladelo you, 32 Points Due To Expire on Statement in January, 20111 Your Free Cash credit card eama 1.point flu every eligible $1 you spend on purchases. Earn addlional pants- as much as 10 points per $1 shopping online through wywr.chase.eorMawardaplus. Add authorized users, and sign up to have your monW y bile charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just dhedk out new otlere at www.chssa cornlrewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Trarnsaciiiin DeachQ11011 Amount 11125 Payment - Thank You -250.00 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rate Correup.. Average Daily. Due To Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases .07868% 27.90% $1,309.98 $30.13 $0.00 $0.00 $30.13 Cash advances .07668% 27.90% $0.00 $0.00 $0.00 $0.00 $0.00 Balance ransfer .07668% 27.09% $3,819.21 $97.83 $0.00 $0.00 $87.83 Promotional summary .01367% 4.00% $4,921.25 $20.19 $0.00 $0.00 $20.18 Total finance charges $139.14 Effective Annual Percentage Rata (APR): 16.49% Plsase a- Inlormation About Your Accoum. section bar !dance compulation method. grace period, and Other imponan t intOrnlalion. The Corresponding APR is ihe rate of interest you pay when you carry a balance on any transaction category. The Etledlive APR repmaems your Vitat#nance charges - including transaction tees such as man advance and balance vansler left - expressed as a percentage. IMPORTANT NEWS Omahei Steaks exclusive afar to Chase Cardmemberal Save 52% on the Value Collection and get FREE SHIPPING, PLUS 6 FREE fxrgeral Call 1.800.960.8400, tell them you have a Chase card and ask tar offer 46401CDE or go to viww.OmehaSteaks.oorNatatemem. Stock up and SAVE, Order Now, 8364608 This Statement Is a Facsimile - Not an original ro00001 Iii! =X16012 000 N Z 01 ODn201 Pya1 ai =1111 MAMA41510 33510000120004161001 X0071 We13a371018W161Na130331Ne13e36 70 of 141 Ptymertt Dus Date New Balance rPost Due Amount Mlrdmurn Psyment 07128/10 $10,681.51 L $237.00 $63500 Account number: 5401 88301490 01111 M.ke your cheek payable to: Chow Card SwW-. PIe0s0w ite amount enclosed. New address or a-maF? Print an back. 540:b68301490091100115350001066151000000000000005 an" Bell z110o LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1156 LrrllLrrlllurr..Mill .... IInnlI.II.. Irhrlllcurlrrlrl.rl.rll.rrlhlr.rr11.1.1.6611rrIrL.rllrrll..1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L60 2131: 209301,11-.900911,90 O Statement Date: CHASE 0 g a.., your account oillm; -,h ..emedrrafte-ds Itenlmum Payment: $535.00 Payment Due Date: 01126/10 ACCOUNT SUMMARY Addlaanel oomacx Mformtlan Aeeount Numbw: 5401663014900911 convenenoy loaded on reverse ado. Previous Balance $9,929.35 Total credit lane $10 500 Purchases, Cash, Debts .$57'9.01 Available Credit , $0 finance Charges 4153.15 Cash Access Line $4,200 New Balance, 10.6fil.51 Available for Cash $0 Important Message: You Are Overirn8 Your Statement balance exceeds your crektt Ono. You Should make a payment thm includes fie overlimil amount to bring the balance under your credit line. REWARDSS MMA Y Previous Points Balance 5,953 Congratulations! You have earned emklgh Points Earned Out Purchases. 502 points to redeem for $60 in gift carti icales or Points Expired This Period C rrent P t T l i 32 even a statement credit. Log onb u o s n ota 6,423 www.chaee.oon*ewerds 10 See the rewards 33 Points Due To Expre on Statement In February. 2010 available 10 you. Your Free Cash dealt card Sartre 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 1 o points per $1 Shopping online through wwvr.t hase.oorNrewardsplua Add authorized users, and Sign up 10 have your monthly bias charged. to your card. Why not get points far all those purchases too? Redeem your points anytime, or just check out new otlers at www.c ass.conifrewalds. Ot 7rg()secig;4 Merchant Name or Trn saaion Descriolion 12107 GC BLOSSER INC CARLISLE PA 12/14 GAMESTOP 81263 CARLISLE PA 12127 LATE FEE 01101 OVERLIMIT FEE S Amount 1213.60 372.51 39.00 39.00 FIN NCE CHARGES Finance Charge Transaction Daily Periodic Rate Correep. Average Deily Due To Fee I Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases .07665% 27.99% $1,687.24 $40.11 $0.00 $0.00 ` $40.11 Cash advances .07668% 27.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance Yanater .07668% 27.99% $3,9013.52 $92.91 $0.00 110.00 $92 91 Promotonal Summary .0136776 4.99% $4,749.71 $20.13 $000 $0.00 . $20.13 Total finance charges $153.15 Efleethe Annual Percentage Raft (APRI,: 17.769E Plessesee Indolmation About Your AOcourn section for balance computation method, grace period, and other important information. The Correltpdhd rig APR is the role at interest you peywhen you carry a balance on any transaction celegory . The Efteclive APR represents your lotal finance charges - including transaction lees such as rash advance and balance i anwer tees - expressed as a percentage. IMPO ANT NEWS Try TurboTax Free Editon br your ample return or Get a 35 percent Discount on TurboTax Online Federal Products. visit chase.corrAmes 8364508 This Statement Is a Facsimile - Not an original OD00001 F1833336DO 000 k Z 01 10A1At Pqa i al l 05666 .16.u asses 0U11000DfepOpaaheL01 7C 0371 118 of 141 Payment Due Date New Balance rPast Due Amount Minimum Payment' 02126/10 S1Q902.74 ? 5535.00 5640.00 Account rambler: 5401 am 1400 ooll Make you ehetlc Payable to: Chase Card 9wka. Pleesa orbs arrokxl[ andosed. New address cr am'i? Print on back. 54016830149009110006460001090274000000000000007 323M OR LISA MM MCUIH 1..116Iu11 dlI..I..11.11IJ....ILLL..II'.L1...IIAI..I 115 PA 170113 E16B CAROMEM13ER SERVICE PO BOX 15153 WILMINGTON DE 19866.5153 rUIIL..1l1.101 .111,111 D,10'.Ill111$$11.1.n111.11...W. 1:5000 L60 281: 2093044900911,911' CHASE O © Akmae your aoeaunt groins: Addptenr Contact Womeson 1e7Eea.thna.tcs[6t conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 5401 W3014900911 New Balance $10.902.74 Previous Balance $10.661.51 Payment Due Date 0226110 Fees Charged '$78.00 Minimum Payment Due $846.00 Interest Charges +-$163.23 New Balance 510:90274 Opening,Closing Date 01102/10 - 02.01/10 T01alCrediI Line $10,500 Available Credit $D Cash Access Line $4,200 Available for Cash $0 Lsle Payment Waning: It we do not receive your mnimum payment by the dale fated above, you may have to pay up b a $39.00 late tee and your APRs will be sutleun to increase to a maximum Perady APR of 29.99%. Mihlmum Payment Waning: it you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance. For example, It. you make no You will pay off And you will end up additional charges the balance paying a n. estimated told using his card and shown on this of... each month you aletemant in pay._ about... Only the mihimurn 35 yeas $35.292.00 payment $431.00. I years I 3 $15,521.00 (Savirg"19.761.00) n YOU. would like IntonTletion about credit counbaling services, call 1.066.797-2886. Your credit cad account is pest due. Please send payment immediately. Call 1-800.955-8030 (collect 1.302.594-8200) today Important Message. You Are Ovedimitl Your statement balance exceeds your credit One. You should make a payment chat includes fie overlimh amount to bring the balance under your credit tine. REWARDS SUMMARY Previous Points Balance Points Earned On Purchases 6,423 Thank you for. using the Credit Cad that earns Points Unavailable for Redemption 0 6.390 rewards that can be used for your choice of got cards, cash or stalemem credits . Remertber Points Expired This Period Current Points Total 33 . . you can earn points by using your Free Cash o Credit card for your everyday purchases like 32 Points Dole To Expire on Statement in March. 2010 .. gas and grocery purchases. Your Free Cash Credit cad eerrq 1 point 1a every eligible S7 you spend on purchases. Earn additional points - as much as 1 o points per $1 shopping online through www.cttase.com"wardsplus. Add authorized users and sign up to have your monthly bills charged to your card.. Why not gel points for all those purchases too? Redeem your points anyiime, or just check out new offers at www.disse.com/rewards. ACCOUNT ACTIVITY - --^ ---? Dote of Transaction Nercham Name a Transaction Description $ 'mourn +:•:^; :'?\\1; ,;.:.},\}\:'?>\11,•;\::ti.`:v.':.^11.,,.t?..e?ss?.?},?y?p.? OR . ::}1,\•Ty,.1i{•}.,.?U\\:i::\1,;'.v. 0726 LATE FEE • 01103 OVERLIMIT FEE 39.00 3900 TOTAL FEES FOR THIS PERIOD $7800 02107 PURCHASE 9NTEREST CHARCiE'• .••........:.•• ..... . .+... 02101 PURCHASE 'INTEREST CHARGE' 47.88 02101 - PURCHASE 'INTEREST CHARGE' 96.14 2021 TOTAL INTEREST FOR THIS PERIOD $163 23 8364508 . This Statement Is a Facsimile - Not an original 0000001 FI883330 D 5 000 N z 01 10WAI Plee f d2 ossm WIN, 3230' 0321 ppppl6pp?ypepi 03]1 fiat N% 78 of 141 Statement Dale: 01/02110 - 02/01/10 Aecoum Number: 6401 6630 1490 0911 Pape 2 of 2 Total tees charged in 2010 $0.00 •;;• Total imareal ohs ed in 2010 $763.23 Year-lo-dete totaq reaea all d,eroen we any relunds IPplied 10 your account on or alter Januay 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Balance Percentage As* (APR) Balance Subtect To Interest Accrued Inlereet TYPO 31 Days In Cyele Interest Rate Charges . Charges Purchases 27.99%(v) Cash Advances 27.9916 (v) $2,014.26 $0 00 $47.68 $0.00 Balance tRrreler 27.9996(2/) = . $4.002.51 $0.00 $95.14 $0.00 $0 00 P ticn 4.991: $4,769:66 $2021 . $0.00 (v) - Variable Rate Please sea Information About Your Accohnt section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid n'Weat on Purchases, and other important information, as applicable. 8364508 This Statement Is a Facsimile - Not an original R 0000001 RB33238D5 000 N z of MOM Patp2012 05066 w-W- 03000000503m230a02 80 of 141 Payment Due Date New Balance rPast Due Amount Mirdmum Payment 03/26/10 $11,083.01 L $848.00 $1,147.00 Accourrt number: 540168301400 0011 Make your chedt payable to: t21ne Crud 9ervkeo. Please write amount enclosed. Now address or e•meil? Print on bark. 54016830144009110011470001109301000000000000000 2WS7 9V Z OSMO b LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 6.111 1... aI..IIr,..IL..l1.161.1.... 11.11...1.1.1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 %: 5000 &6D ?I31: 20930&L.900911900 CHASE O Ka Mans. your account online: Additional wMatt IMomwdon convenionay located on rwarse side ACCOUNT SUMMARY Account Number: 5401 68301490 0911 Provious Balance $10.002.74 Fees Charged +$39.00 Interest Charged ~$151.27 Now Balance $11,093.o1 Openirg,Cbeing Date 0002110 - 03/01110 Total Credit Line $10.500 Avatlatle Credit $o Cash Access Line $4,200 ,. Avaltatiolor Cash $0 .'". PAYMENT INFORMATION New Balance $11,093.01 Payment Due Date o3r2W10 Minimum Payment Due $1.147.00 Late Payment Warning: It we do not receive your minimum payment by the date liated above, you may have to pay up to a $39.00 late fee and Your APRs will be subject. to increase to a mazirnrn Penally APR of 29.99% Wnlrnum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longerto pay off your balance. Forexample: ff you make no You will pay off the And you will and up additional charges balance shown on paying an estimated using his card and this statement in total of.., each month you about.. pay. . Only the minimunn 35 years $35,965 payment $441 3years $15;861 ($avings.$20,104) a you would tike information about credit Counseling services, Call 1-666797.2665. The charge privileges on your Credit card account have been revoked. You no longer have the Eblity to use your credit Card account for purchases. We can help you get beds an rack. Cal 1.800.955.8090 (collect 1-302-594-82001 today. Important Message: You Are OverlimM Your statement balance exceeds your credit fine. You should make a payment that includes he overlima amount to bring the balance under your credit line. IREWARDS SUMMARY I Previous Points Balance 0 Thank you tux using the credit card that eam& Points Earned On Purchases 0 rewards that can be used for your choice of gift :Pants Unavailable for Redernpion 6.358 cards, cash or statement credits. Remember, Points Expired This Period 32 you can own points by using your Fee Cash Current Points Total 0 credit card for your everyday purchases tike gas and grocery . purchases. 29 Pointe Due To Expire on Statement in April. 2010 Your Free Cash credit cad earns 1 pant for every eligitie $1 you spend on purchases. Earn additional points - as much as 10 pants per $1 shopping online through www.thase:c0ndrewamaplus. Add authorized users, and sign up to have your monthly bins charged to your card. Why not get points for all those purchases too? Redeem your points minima, or just check out new otters at www.chase.condrowards. ACCOUNT ACTIVITY Date of Transaoaan IVarcharn Name or Transaction Description $ Amount .,.; .. ,?„'•"k'?;"`^::. •'.... :.,,, ... ...,.::...2:ist'ti^C':?:\\':av\?tiv5:i$is3:+<fti'•:'.ti`?i?:;\'-`:,\'+':.•::: ti•:>fi:`ti ":\C ,: ... v .v..u :.•. \, .. ,•. . ,.... 02126 LATE FEE ? ? \v. ,urn 3 38.00 TOTAL FEE:i FOfl THIS PERIOD $39.00 03101 PURCHASE INTEREST CHARGE. 45.04 03/01 BALANCE TRANSFER INTEREST CHARGE 87.90 03701 PROMOTION INTEREST CHARGE 18.33 TOTAL INTEREST FOR THIS PERIOD $151:27 836508 This Statement Is a Facsimile - Not an original 000[001 Fnr33,t+a135 000 N z 01 IOM301 Mg.1 d2 - 050M MAMI12e057 0801 Oddd050002e05701 R M71 82 of 141 Statansnt Dale: 02102110 -03101110 Account Number: 5401 6630 1490 0911 Page 2 012 Tail lees charged in 2010 $39.00 Tote) interest charged in 2010 $314.50 Year-lo-date totals reAecl all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES 71 Your Annul Percentage Rate (APR) is the annul interest rate on your account Annual Balance Accrued Balance Percentage :Rate (APR) SublectTo interest Interest Type 28 Daye in Cycle Interest Rage Charges Charges Purchases 27.99%(v) $2,oa7.76 $45.04 $0.00 Cash Advances 27.99%jv) $0.00 $0.00 $0.00 Balance transfer 27.9996(v) $4,084.02 $87.90 $0.00 Promotion 4.99% $4.789.18 $18.33 $0.00 (v) - Variable Rags Please see Information About Your Account section for the Clalmion of Balance Subject to Interest Rats, Annul Renard Notice. How 10 Avoid Inlarest on Purchases, and Mar important information, as applicable. 8364508 This Statement Is a Facsimile - Not an original x 00000M Fl831aaD4 000 N 2 M lowal Pgp2d2 00®a MAMA 20057 Oa01000005000Zd sm 84 of 141 Payment Due Dal New Balance Pest Due Amount Minimum Payrnem 04/26/10 $11,0@3.01 $1,147.00 •=1,38@.00 E Account number: 540188301490 0911 Make your check payable to: Chase Card Services. Pklasewrte amount enclosed. N. add. or amat? Print on back. 540113830149009110013680001109301000000000000005 02MEIEX a Oe1100 USA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 1:5000 i6? 26e: 20930 11.90091,1,9111• CHASE O ©Mtna@e your aeownt anill Addaionsl ooraact Informaaen cmwniantly1walvd W rovann; side 1...111.1.1 6i..I1`.II...1.1u.rILLL.rI1..1.L1rILJ1111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 PAYMENT INFORMATION New Balance $11,093.01 Payment Due Date 0426/10 Minimum Payment Due $1.368.00 late Payment Warning: It we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late tae and your APRs will be abject to increase to a maximum Penalty APR 0128.99%. You haven't made the required payments and your credit card account is 90 days peat due. As a resull. you credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1.800455A030 (collect. 1302-694.8200) today. Important Message: You Are Overkmill Your statement balance exceeds your credit tine. You should make a paymem that includes the overlimit amount to bring the balance under you credit line. ACCOUNT SUMMARY' Account Number: 64016030 14s)o 0911 Previous Balance $11.093.011 _ New Balance $11.093.01 Opening/Cbaing-Date 03102/10 - 041`01/10 Total Credit Line $10,500 AYailable Credit $0 Cash Access line $4.200 Available for Cash $o Previous Points Balance 0 Thank you for using the credit card that asmis Points Earned On Purchases 0 rawards that can be used for you choice of gill Points Unevitilable for Redemption 6,329 cards, cash Or statement credits:. Remember. Points Expired This Period 29 You can earn' 1ma y po by using you Fee Cash Current Points Total 0 credit card for you everyday purchases like 37 Poima Due To Expire on Statement in May, 2010 gas and grocery purchases. Your Free Cash credit card earna 1 point tot every eligible $1 you spend on purchases. Earn additional points - as much att 1 o point& per $1 shopping online through wwwsbaseconr/rewordsplus. Add authorized users, and sign up to have your monthly pills charged to your card. Why nougat points for all those purdiaees too? Redeem you points anytime, or just check out now otters at wwwchase. com/rewards. ''•.`°-2;:a4?+':1`i} 'Total lees charged in 2010 •'$39.00..• Total interest charged in 2010 _ $314.50 Year-10-date 10111151`911921 all Charges minus any refunds appliad to you account tin or after January 31, 2010. 8364508 INTEREST CHARGES Your Annual Percentage Rata (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rats (APR) Subject To Interest Interest Type 31 Dare In Cycle Interest Rate Charges Charges Purchases 27.99%(v) $0.00 $0.00 $0.00 Purchases 27.99%(v) $0.00- $0.00 $0.00 Cash Advances 27 99%(y) $0.00 $0.00 $0.00 Cash Advances 27.99%(v) $0.00 $0.00 $0.00 Balance transfer 2790%(v) $0.00 $0,00 $0.00 Promofon 4.89%. $0.00 $0.00 $0.00 (v) -'Variable Rule Please see Information About You Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice How to Avoid Interest on Purchases, and other important Information, as applicable. This Statement Is a Facsimile - Not an original 0000001 FaM331109 000 V 0 01 1010MI Pre.1 d 1 Mass WW 01935 00100000900002mo, R 031`/ 04314585 44 of 141 Payment Due Date New Balance Pug Due Amount Minimum Payment 06/26/10 571,093.01 C3,,366.00 :'1,599.00 Account number: 5401 aSm 140o 0911 - Mahal your eheekpeyableto: Cher Card 9ervkn. Pleasa write amount andosod. New address or amai? P1int on t>.&. 54016830149009110015890001109301000000000000000 90801 SEX 9171100 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1166 InJ1111111r1111.11..111111.11..?1111.1..1III 1111.1111„11111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19086-5153 1s 5000 i60 2i8i: 209 30 149009 L 19us CHASE O g Manapsyouraccount onalm: Adtialonal contact Information conwnieney located on reverse side ACCOUNT SUMMARY Acoouni Number: 5401 68301490 0911 Previous Balance' _ $11,093.01 New Balance $11,093.01 Openirg.Cbdng Date 04!02/10.- 05/02/10 Total Credit Une $10,500 Available Credit $0 Cash Access Line $1,200 Available for Cash $0 PAYMENT INFORMATION Now Balance $11,093.01 Payment Due Date 0526(10 Ninlmum Payment Due $1.589.00 Lath Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have. to pay up to a $39.00 late tea and your APRs will be subject to increase to a matdmum Ponally APR of 29.99%. Irs not too late io resolve the outstanding balance on your credit card account We have a variety of payment options thin may be fight for you. Call 1-899-762-7547 (collect 1-:102-594-8200) today. Important Message' You Are Ovadirrill Your statement balance exceeds your credit ins. You should make a payment that includes he overlinlit amount to bring the balance under your vedk Ins. (REWARDS SUMMARY Previous Points Balance 0 Thank you for using the cret card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Forfeited This Period 6,329 cards, Cash or statement credits. Remember Points E,*ed This Period 0 . you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earns 1 point for every eligible $1 you Spend on purchases. Earn addtbnal points- as much as 10 points per $1 shopping online through www.chase.mMrawordspWa. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase. com/rewerds. Total tees charged in 2010 $39.00 701111 intense! charged in 2010 $314.50 Year-10-date locals reflect all charges minus any, refunds applieed 10 yotr account an or fitter Jamiary 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your acaou t. Annual Balance Acaued Balance Percentage Rate (APR) Subject To Interest interest Type 31 Days ih Cycle Inuwosi Role Charges Charges Purchases 27.09%(v) $0.00 $0.00 $0.00 Purchases 27.99%(v) $0.00 $0.00 $0.00 Cash Advances 27.99%() $0.00 $0.00 $0.00 Cash Advances 27.99%(v) $0.00 $0.00 $0.00 Balance transfer 27.99%(v) $0.00 50.00 $0.00 Pronolon 4.89% $0.00 50.00 .$0.00 (v) - Variable, Rate Please see intonnation About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important information,. as applicable. 8364508 This Statemernt Is a Facsimile - Not an original 0000001 Fhe M609 000 Y 9. 01 lowoo7 P1g.h 01 05090 MAMA 05M t 721000000)000560101 x 01)1 50 of 141 Payment Due Date New Balance Past Due Amount Minirrwm Payment C0 $11,003.01 L $1,569.00 j1,BIQ00 Account number: 54018830 1480 0811 $E Make your check ices. le [o: Chase Card Services. Please untie amount enclosed. New address or e•mai? Print on back. 54016830149009110018300001109301000000000000003 (MOM aEx a 152100 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1166 Inrlllurliiun.rllullr rnlinr?lrllnluirurllrllrulrlrl ?rrrIIlllrrlrrlrlariarlirrrlrlrrrrllrielrniLrirlarrliralirrl CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 195a6.5153 1:50001r.02131: 209 30 1La9009 i i9ae_ CHASE O Manage your account online: Additional contact lnformaaen WsiW,dhaso. MriVerod[C•Me Ccnvenlandy located on reverse side ACCOUNT SUMMARY Account Number: 5401 003014 * 0911 Previous Balance _ $11.093.01 Now Balance $11.093.01 OpeningnIosing Data 05103I10-06A1f10 Total Credit line $10,500 Available Credit E0 Cash Access Line $4,200 Available for Cash. $0 PAYMENT INFORMATION Now Balance $11.093.01 Payment Due Dole 06PS/10 Minimum Payment Due $1,610.00 Lou Payment Warning: n we do not receive your mirvmum payment by the data listed above, you may have to pay up to a $39.00 law tee and your APRs will be autiew to increaae to a mahonsrn Penalty APR of 28.99.4 You havens made the reWiretl payments and your credit card account is 150 days past due. You can still turn 111tings around. Call ua today 81 1-889.792-7547 (oDllect 1.302-619-8200) so that we can Ind a solution for your elusion. Important Massager You Are Overtinill Your, statement balance exceeds your credit fine. You should make a payment that includes the overlim6 amount to bring the balance under your credit Ines RI EWARDS SUMMARY Previous Points Balance 0 Think you for using the credit card that earns Points Earned On.Purchaaes 0 rewards that can be used for your choice of gift Pointe Exixed This Period 0 cards, cash or statement credits. Rernernber Current Points Total , 0 you can earn points by using your Free Cash credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional Points- as much as to points per $1 shopping online through www.chase.mrnfrewardeplue. Add authorized users, and sign upto have your monthly bile charged 10 your card. Why not get points for all those purclasesloo? Redeem your points anytime, or juat check out new offers at www.chase.corWrewards. N,$,',T,??ialsra..,,:,'.•:?..•.•..?.?:-:.?•x }:ti,1+ R?T1: t.Total tells charged in 2010 $39.00,.. Total interest charged in 2010 $314.50 - Year1u-date totals reflect all charges minus any rotunda OPPlitd to your account on or after January 31.2010. 8364508 INTEREST CHARGES Your Annual Percentage Hale (APR) is the annual interest role on your account. Annual Balance Percentage Rate (APR) Balance Subject To Interest Accrued Interest Type 30 Days In Cy:la Interval Rate Charges Charges Purchases 2790%(v) $0.00 `$0.00 $0 DO Purchases 27:98%(v) $0.00 $0.00 $0 00 Cash Advances 27.09% (v) $0.00. $0.00 . $0.00 Cash Advances 27.09%(v) $0.00 $0.00 $0 00 Balance render 27.99%(v) $0.00 $0.00 . $0.00 Promotion 490% $0.00 $0.00 .$000 (v) -Variable Rate Please see Inlornatlon About Your Account saclion for the Calculalion of Balance Subject io Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases. and other important informalion, as applicable. This Statement Is a Facsimile - Not an original OD00001 F1633=137 ODO Y 0 01 760601 P.D.I d1 05688 YAW 01929 1' SO 0000070=1 Ram X 0371 e1s14610 48 of 141 Payment Duce Date New Balance Past Due Amount Minimum Payment 07126/10 57:1,093.01 ' 57,810.00 . f2,03L00 AtSt ouM mumbsr. 5401683014800911 Me4 our check Payable to: Cates Cord 9eMea. Plaeso write amount enclosed. Now address or emaa? Print w beck 540168301490091100211310001109301000000000000007 017338"9 1(12100 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 1-111O,{{{,,ru.llr,IL Alu rr,rrururunlr.Iralr,r,1 I,,.II LLd,.1,1„L,IL,,LL...Ib1.L., IL.L6 r J6 r{L7f CARDMEMBER SERVICE PO BOk 16153 WILMINGTON DE 19886-5153 1:50001.60 281: 209 30 1.49009 1 i9ae CHASE O 8 li snageyew ae9sam plane: Addi l c rftct Intom,atlen wew chase lsada oonvohsrrdyloeated On r9verse Side ACCOUNT SUMMARY Account Number: 54018830141100911 P reaOus Balance _ $11,093.01 New Balance ..$11,093.01 Openig,lCloaing Date 06102/10.07A1/10 Total Credit line $10.500 Available. Credit 5o Cash Access Line $4,200 Available for dash so PAYMENT INFORMATION Now Balance $11,093.01 Payment Due onto 07126/10 Ninimum Payment Due $2,031.00 Late Payment Warning: If we do not receive your mrxmum payment by the date listed above, you may have to pay up xi e $39.00 Isle fee and your APRs will be sd4ecl to increase to a maidrrirll Penally APR of 20.90%. The outstanding balance on your credit card amount is scheduled to be written o8 as a bed debt shorty. As a result, your credit bureau will be updated with a negative rating that could last for up to seven yeas We can slill help, but you need V cal us now at 1.888.792-7547 (ooler7 1-302-594-8200). Important Message You Are Overlimil Your statement balance exceeds your credit fine. You should make a payment that includes the overlimn amount to bring the balance. under your credit line. This accourn is closed and not levailads for new trensaclons. If there is a balance paces, continue to make payments by the due. 13930. (REWARDS SUMMARY I Previous Points alliance 0 Thank you for using the credit card that ears Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Expired This Period 0 cads, cash or statement credits. Remember, Current Poinis Total 0 you can earn points by using your Free Cash credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earn 1 polyd for ewary eligible $1 you spend on purchases. Earn additional points- as much as 10 points per $1 stopping online through www.dlase.com/rewardspNs Add authorized users, and sign up to have your mornhy bins charged 10 your card. Why not get points for all those purchases too? Redeem your points anytime, or lust check out new offers at www. ch ase. cOMrewarda Total tees charged in 2010 $30.00 Total inlE+res1 charged in 2010 S314.SO Yea todatelotals reflect all charges minus any refunds applied t0 your amount on or after . January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your accoum. Annual Balance Accrued Balance Parcentage Rats APR) Subject To Inw" Interest Type 30 Days In Cycle IMereat Rasa Charges Charges Purchases 27.98%(V) $0.00 $0:00 $0.00 Purchases 27.9BY.(4 $0.00 so.00 $0.00 Cash Advances 27 99%(V) $0.00 $0.00 $000 Can Advances 27.09%(V) $0.00 $0.00 $0.00 Balance transfer 27.99%(v) $0.00 $0.00 $0.00 Promotion 4.90% $0.00 $0.00 $0.00 (v) . Variable Rata Please see Information About Your Account section for the Calculation of Balance Subject to interest Rate, Annual Renewal Notice How ice Avoid Interest on Purchases, end other import17nt irdormation, as, applicahe. 8364508 This Statement Is a Facsimile - Not an original 0000001 F1134133B010 Wo y 9 01 10wrO01 P.p.I d1 05090 MAMA 01733 ts21o00f00 0 0 01 733 01 R 0371 INIi 76 of 141 VER.ICRCATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is (NAME) Sastant Treasurer of plaintiff herein, that (TITLE) (COMPANY) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his/hex knowledge, iizformation mid belief: {S1GN TUR.E) CERTIFICATE OF SERVICE A true and correct copy of the within. Plaintiff's Second Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on n day of 2010 upon the following: Joseph Murphy; Esquire The J. Murphy Firm 210 Grant Street, Suite 301 Pittsburgh, Pa 15219 Bv: Matthew D Urban, Esquire OF TL4R, PROTHONOTARY 2010NOV29 PM 2: 27 CUMBERLAND COON ECIPE FOR LISTING CASE FOR ARGUMENT PENNSYLVANIA (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE (entire caption must be stated in full) CHASE BANK USA. N.A. vs. LISA M. MCLAIN No. 10- .4208 Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Preliminary Objections to Amended Complaint 2. Identify all counsel who will argue cases: (a) for plaintiffs: Matthew D. Urban, Esquire Weltman, Weinberg & R&NS,110, ALdF.As)436 Seventh Avenue Suite 1400, Pittsburgh, PA 15219 (b) for defendants: Ashley M. Derr, Esquire; Irene M. Costello, Esquire (Name and Address) 1. Murphy Firm, 210 Grant Street, Pittsburgh, PA 15219 3. 1 will notify all parties in writing within two days that this case has been listed for argument. --) 4. Argument Court Date: Sig ,W- Costello, Esquire Print your name Defendant Attorney Date: 11.122.12010 INSTRUCTIONS: 1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case Is rellsted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA r., CIVIL DIVISION C:: c= --rj -03 0 -t CHASE BANK USA, N.A., Plaintiff(s) V. LISA M. MCLAIN, Defendant(s) Docket No.: 10-4208 ? d rn? 2 r r'3 -° ::Om trq "`}O v ZIE -; ? xC-1) X _f N PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm 210 Grant Street, #301 Pittsburgh, PA. 15219 (412)521-2000 Irene M. Costello, Esquire Pa. Supreme Court I.D. 209795 ®RIGINA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff(s) Docket No.: 10-4208 V. LISA M. MCLAIN, Defendant(s) CERTIFICATE OF SERVICE I, Irene M. Costello, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing 13/PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT LJ BRIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT lJ MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: Matthew D. Urban Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pa 15219 Respectfully Sub M.,ello - ly, November 22, 2010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff(s) Docket No.: 10-4208 V. LISA M. MCLAIN, Defendant(s) PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT Now comes the Defendant, by and through counsel, the ]. Murphy Firm, and Irene M. Costello, Esquire and bring(s) and file(s) the within Preliminary Objections to Amended Complaint, averring in support thereof as follows: OBJECTIONS TO CONTRACT CLAIMS 1. The Amended Complaint references a credit agreement or contract. 2. No averment is made as to whether said agreement is oral, or written. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as amended, which requires that, "When any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." 4. Accordingly, the Amended Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of court 1019(h). 5. Although the Amended Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. 6. The foregoing amounts to a violation of PA. R.C.P. §1019(1). 7. Accordingly, the Amended Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(i). OBJECTIONS TO UNJUST ENRICHMENT/QUANTUM MERUIT 8. Plaintiffs Amended Complaint pleads unjust enrichment/quantum meruit but is legally insufficient to sustain an award of damages under this theory. 9. Accordingly, the Amended Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(4) as it is legally insufficient OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 10. Pa. R.C.P. 1019(f) requires, inter alia, that items of special damage be pled with specificity. 11. In the context of a credit card case, items of special damage, which are to be specifically pled, include the dates and amounts of charges, fees, fines, interest, and the like. 12. In the context of a credit card case, the requirements of 1019(f) are normally met by attaching copies of an un-interrupted chain of credit card statements, starting with a zero balance and ending with a statement showing the amount sought in the complaint. 13. It is respectfully submitted that the neither the Amended Complaint, nor the documents attached thereto, specifically plead the items of special damage underlying the case. 14. This renders the Amended Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019(f), and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. WHEREFORE, Defendant respectfully prays that the Amended Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, V. LISA M. MCLAIN, Defendant. ORDER Case No.: 10-4208 S On this Z r day of , t is hereby ORDEREI * ffithirt3 cu Plaintiff s Complaint is stricken. Plaintiff may file an Amended Complaint with G) rv (30) days. If Plaintiff fails to file an Amended Complaint within 30 days, the 6-' Prothonotary, upon praecipe of the Defendant, shall dismiss this case with preju&ce. cc w s BY THE COURT: ENTRY OF THE ABOVE ORDER , Esquire Sarah Ehasz, Esquire J. MurpF y Plimn r-AOLA led 00 1100106 -/ I /-? I / - / 1?- c rnCD xrn xrn =C G 5;c: x -^C N O x N Ul 3 N Na N Q rn ?rn ?O Q ? -1G? C ca ? A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNLY:, PENNSYLVANIA = z CIVIL ACTION ?m M rnr- =;V ? co -urn :;o cn { i "j q -, CHASE BANK USA, N.A., c-- v ?m Plaintiff, V. LISA M. MCLAIN, Defendant NO.: 10-4208 TYPE OF PLEADING: SECOND AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Sarah E. Ehasz Esquire Pa ID No. 86469 Weltman, Weinberg & Reis, Co, L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, Pa 15219 (412) 494-7955 Fax: (412) 494-7959 WWR # 8364508 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff vs. Civil Action No. 10-4208 LISA M. MCLAIN, Defendant SECOND AMENDED 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 this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 SECOND AMENDED COMPLAINT AND NOW, comes the Plaintiff, CHASE BANK USA, and files an Amended Complaint, the following of which is a statement thereof: Plaintiff is CHASE BANK USA, N.A., a corporation with offices at 3700 WISEMAN BLVD., SAN ANTONIO, TX 78251. 2. Defendant, LISA M. MCLAIN is an individual with an address of 116 WYNNWOOD AVENUE, CARLISLE, PA 17013. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CHASE BANK credit card, bearing account number XXXXXXXXXXXX0911, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "l." The account was opened on December 17, 2003. 6. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise, and services and take cash advances. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Defendant was periodically sent updated written terms and conditions for her Chase credit card account. Those updates of the written terms and conditions for the account are attached hereto and made a part hereof as Exhibit "2." 9. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from June 28, 2005 through July 1, 2010 are attached hereto and made a part hereof as Exhibit "Y' 10. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 11. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on November 25, 2009 in the amount of $250.00. 12. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 13. The current balance due and owing to the Plaintiff on the aforementioned credit card account is $11,093.01. 14. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 15. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 16. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of the cardholder agreement provides that he Defendant will pay Plaintiff's reasonable attorney fees. 17. Plaintiff avers that such reasonable attorney fees shall amount to $300.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN, in the amount of $11,093.01, with interest at the rate of 6.0% per annum from June 4, 2010, plus costs and attorney's fees in the amount of $300.00. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant has used her Chase Bank credit card to purchase goods, merchandise, and services, make balance transfers and take cash advances. 20. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "3," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, LISA M. MCLAIN in an amount not in excess of the arbitration limits. Respectfully Submitted, Sarah E. Ehasz Esquire Pa ID No. 86469 61-1 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8364508 V_ MASTERCAR00 od Y1SA4 CAROMEMBER AGREBWENT' GENERAL TERMS t. Meeniagni Wort Ustd In ft lygemarN. "Agreement" means this documeM:(w" has a binding arbitration provision that may affect your right to go to court; your nght to a jury trial, and your right to participate in a class action or other representative action) and the attached Pricing Schedule as either may be amended: from time to time. This Agreement is effestive with any use of a.Card or the Account by you or an Authorized User, or if you do -not cancel the Account within 30 days afterreceiving your Initial Card. in.this Agreement, "you," ','your" or "yours" means each person who applied for the Visa or MasterCard Account. *We,'!' "us" or "our" means Chase Manhattan Bank USA, National Association. "Account" means the: Secured :Visa. or MasterCard Account: for which you were issued cards and checks imprinted with your Account number. "Authorized' User" means any person to whom you have given peemission to use your Account. "Card" means the Visa or #ilaste?Card card(s) issued' in connection with your Account. "Check" means Chase Convenience Checks. "ATM" means Automated Teller Machine. "Our check' means a check drawn on us or one of our affiliates.. "Seller" means any, merchant; insurance company. .o(its agero or broker. tMMA refers to the Chase Secured Card Money Market Account opened as security for your Account. The CMMA secures payment of your Account obligations.: - 2. urvices of This `Aceotul. This Account may be used for Purchases from any Seller that accepts the Card, for Advances and for other: transactions we'permft..You agree not to. make or permit to *made any igegal transactions on your Account through the use of a Card, a Check or any other manner.. 3, To Uwlfotr Card. You must sign the panel on the back of ybur'Card. Authorized Users of any additional Card.(s)'shouio sign their names on ifie panel on the track of those Cards. For Purchases; you will have to sign a sales slip that has your name, .the Seller's name, and your Account number :on it,. unless you let the Seiler complete the sales slip for you. C Your Responsibilities : for This Aeeorni. You. are. responsible for all amounts owed on this Account, whether charged by you, a person whom you permit to o1i credit on your Account (such.as by lending .a person your Card), or any other person using a Card or your Account with actual, implied or apparent authority. You agree that anyone who is issued a Card for your Account (or anyone to whom;ybu lend of give your .Card) is authorized to make charges to your Account to the same extent as you and we are not responsible for.cbrihIiing such use of your'Account. Such authority will continue until you qrt oke it by.notifying us, obtaining the Card in your physical possession, and i 0 is a Card issued to an Authorized User,. by 1 XI@ l 000550 V also cutting it in halt. If you receive a.beoefit from the use of your Card or Account by another person, such use will Act be considered unauthorized. We may require Authorized Users to repay the amount owed for the charges they make. 5. Year Credit Line. Your credit line is the most you may owe on your Account at any time. Your initial credit line will equal the amount you deposit in your GMMA. You may not use your Account in any way that would cause you to go over your credit line. You may also be asked to immediately pay for any amount over your credit line. We may 'change your. credit line or separate the amount of your credit line into available credit for Purchases and:Advances. If the credd line is changed orlimited; you will be norrfied. You may increase your credit line by adding to the CMMA in•$100 increments up to a maximum of $6,000, subject to our review. 6. Overtimit Fee. If your Account balance (including any. Finance Charges and any fees and charges owed on -your Account) is over your credit line at the end of a billing cycle, there will be an Overlimit Fee in the amount disclosed in the Pricing Schedule. This fee will be imposed only once during the tilling cycle, but will be imposed in each billing cycle that you are over your credit line even if we authorize the transaction that, causes your credit line to be exceeded: 7. Anneal Fee. If there is an Annual IN for the Account, you. will be billed the Annual Fee in the amount disclosed in the Pricing Schedule whether or not you have used the Account If. your Annual Fee has been waived; it will. N billed: when the waiver period has ended, and will then continue to be billed on an annual basis. The Annual fee is non-refundable. 8. ' Payments. All payments by mail must be made and received by us in accordance :with the payment instructions that appear,on or with your monthly Statements and accompanying envelopes. Payments must be in United States Doliats and drawn on a United States financial institution or the United States Postal Service. Payments must be made _by check, money order, or electronic debit that will. be honored by your bank, or such other means as we permit. In our sole discretion we will decide how to apply your-payments; and we maysatisfy promotional rate balances before regular/standard rate balances. Although we post your payments as of the business day.we receive them as described on your. statements, your,Totaf Available Credit may not be restored for up to 15 days: we post your payment. Any check & other form of payment:which you send: as for Jess than the full. balance due that:is marked "paid in full" or with a similar notation or that you otherwise tender in full satisfaction of a disputed -amount (conditional payments), must be sent to us at, the conditional payments address listed on. your monthly statement. We reserve all "our rights regarding such payments. For example it itis determined tiiere is no valid dispute or if arty such payment: is received.at any other.address; we may accept the payment and you will still owe any remaining balarice. We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it. All other payments that you. make should be sent to the regular payment address shown on your monthly statements. We reserve the right to electronically collect your eligible payment checks, at first presentment. and any representment, from the (tank account on which the check was drawn. Our receipt of your payment check is your authorization for us to collect the amount of the check electronically, :or 'd needed by a draft drawn against the bank account. Checks will be collected electronically by'sending: the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment. The original check will be destroyed and an image will be maintained in our records. 9. Returned Payment Fee. You will be charged.the Returned .Payment fee in the amount disclosed in the.Priting Schedule for each check or any other form of paymentwhich is returned to us or which we cannot process under our normal operating procedures. 10. Minimum Payment. You may pay either the Minimum Payment or any amount over that up to the New Balance. Your Minimum Payment must be In accordance with our payment instructions Arid.received by the time of day on the Payment Due Date shown onyour statement. Your Minimum Payment is calculated by taking the New Balance and deducrmg any amounts which you have property notified us are in dispute (see notice "in Case of Errors or Inquiries About Your BPI") and multiplying that amount by the mitlmum payment percentage shown in the Pricing Schedule. If :the resulting amount is more than the minimum dollar amount for a minimum -payment shown in the Pricing Schedule, it Will be reduced to the next lowest dollar It the resulting amount is less than that minimum dollar amouK :l will be increased to that mirimum dollar amount. If .ft Minimum Payment as calculated heroin. is less than the Total Finance Charge as shown on your staitement, your Minimum Payment for that statement instead: will equal the Total Finance Marge ;(rounded up to the nearest dollar). We add to your Minimum payment any Past Oue Amounts and, at our option, arty amounts in excess of your credit line. The tAnimum Payment will. never be more than the New. Balance. 11. Late PaymentFeeXharge. There will be a Late-Payment Fee/Charge in the amount disclosed in the Pricing Schedule if we do not receive in accordance With'ourpayment instructions the Minimum Payment by the tame of day on the Payment.Due Date shown on your monthly statement 12. if Your Cards or Chech are Lost or Stolen. tf someone used your Card(s) or Checks without your permission.or if they are lost or stolen, contact us immediately. You may call or write. Call toll free 1-10 48-CHASE anytime from all 50 states, Washington, D Z., Puerto Flico;and the.U.S. Virgin Islands.: For all other locations call 813-884.299I.collect. Write to-- Chase c/o P.O. Box 9203, Old Bethpage, 'NY 11804-9003. You may be 3 000551 liable for the unauthorized use of your Card(s in an amount not to exceed $50 in any case where your Card(s) are lost or stolen and you fail to contact us within twenty-four (24) hours. You will not be liable for such unauthorized use it you contact us in the manner described immediately above within the twenty-four (24) hour time limit or before the unauthorized use occurs. 13. If Your Card or Checli Is Refused. We are not responsible if a. Seller :Bank or ATM refuses to honor your Card or Check. Afthough you may have creditavailable, we may not authorize credit for a particular transaction: due to operational difficulties or, in our discretion, for any other appropriate reason. Transactions. made above a certain dollar amount may require authorization before the transaction is appproved. The number of transactions you make in one day.may be limited by us. This is done for security reasons, and as such, the details of how the authorization system works are not listed in this Agreement. Neither we nor our agents will be responsible. if authorization for a transaction is not. given. It your Account is overlimit or delinquent, credit authorization for transactions may be declined. 14_ Monthly Statements. Each month there is adebit arcredit balance of more than $1, or a Finance Charge has been imposed on your Account, we will send you a statement. 15. Copy fee. You will be charged the Copy fee in.the.amount disclosed in the Pricing Schedule for each original-or copied sales slip, copied statement, and copy of-any other record or document That you request. The fee is not owed if a request for such record or document reveals a billing error or unauthorized use on your Account as defined by the federal Reserve Board's Regulation Z. 16. Billing Errors; If you have a dispute about your Account; notify us as soon as possible. Please read the notice "1n. Case of Errors or Inquiries:About Your Bill." This notice eexxpplIants your legal rights about billing errors and defenses under Federal Law and how you must notify us. If any adjustment is:made, we will credit your Account. 17. Currency Comrersion. If you effect a transacctionWith your MasterCard card or.Visa card in a currency other than U.S` dollars, MasterCard International Incorporated . or. Visa' Iriternataonal, as appropriate, will convert the charge intb a U.S., dollar amount. MasterCard International or Visa international will use its conversion procedure, which Is disclosed to institutioms*'that issue MasterCard. cards for :Visa cards; respectively. Currently;! the currency conversion rate .used'by MasterCard International or Visa International to determine the transaction amount in U.S. dollars for such transactions is generally either a government-mandated rate or a wholesale rate determined by MasterCard International or Visa international, as appropriate, for the processing cycle in which the transaction is processed, increased by, an adjustment factor established from time to time by MasterCrd International and Visa nternational, respectively. The currency conversion rate used by MasterCard International or Visa International on the date your transaction is processed by, MasterCard International or Visa International may differ from the rate that would have been used on the purchase or transaction date or the cardholder statement posting date. The adjustment factor that is part of the currency conversion rate-is:one percent, but may be changed from time to time by MasterCard International or Visa international, respectively. For each such transaction converted into a U.& Dollar amount that must. be Converted back into.a foreign currency because of :a refund or other reversal of the transaction the same currency conversion rate formula and procedures will be used. 18. Foreign Currency Transaction Fee, For each transaction in a foreign currency, we will charge a. foreign currency transaction fee equal to the percentage amount shown in the Pricing Schedule multiplied by the converted transaction amount. This fee may be abbreviated as "For. Trail. Fee." 19. Autherization1o Prorlds:lofonnalion. You authorize unto provide certain information on you and your. Account to our affiliates and others, including any company whose name or mark may appear on the Cards. Complete details regarding our rights to share information and your right to opt-out of certain information being shared is provided to you when you first receive an Agreement and at least once each calendar year thereafter. 20. Disputing Accosot Information Reported to Credit Bureasc. We furnish information about your Account to credit bureaus. You have the right to dispute the accuracy of the information reported by writing us at Chase c/o P.O. Box 9203, Old Bethpage, NY 118049003. 21. Changing the Terms of This Agreement. We may change any of the terms of this Agreement; including without limitation by adding new terms or by deleting or modifying existing terms. We will notify youof any such changes as required by law. Any changes to this Agreement can apply to all outstanding unpaid indebtedness and.arry new transactions on your Account We may sell or transfer your Account and any amounts owed on your Account to another person at any time. If we do, this Agreement will still. be in effect and any successor will have our rights in this Agreementto the extent assigned. 22. Consensual Seto* Interest. ..You agree that as a condition of our, approving Our Account It must: be secured by a CMMA that serves as collateral for all amounts owed under this Agreement. The CMMA must be maintained with us unencumbered (e.g., not ,ubject .to any judgment, lien, attachment or execution) at all times in conjunction with your Account in an amount at least equal to your credit tine unless we permit otherwise. You agree thatthe funds must be maintained in the CMMA until your Account is closed and paid in, full. On any, closing of your Account and without notice to you,: the CMMA' funds may be used to pay any balance due and:,the' remainder, if any, will be returned to you 60 days later: At that time, the CMMA funds, less any outstanding obligation owed to N us; if any, including but not limited to your outstanding Account balance for which any claim under a credit insurance policy is pending, will be returned to you. 23. betault and Collection Costs. Your Account will be in default and we can require that the total outstanding balance; be paid if: (1) you fail to pay any amount owed under this Agreement when due; (2) you exceed the credit limit in effect on your Account; (3) you do not follow the terms of this Agreement; (4) your ability to pay us is materially impaired :(including, but not limited to, bankruptcy or insolvency proceedings that are initiated by or against you); or (5) you default on any other loan or credit obligation you have with us or another.06ditor. We do not have to notify you or demand payment in order to take this action. If you are in default, we may, as.permitted by law. (1) apply all or part of the CMMA collateral against all amounts' owed on your Account in the manner described in the "Consensual Security interest" ;section; (2) cancel your :credit. privileges and require you. to pay the unpaid balance immediately; (3) require you to. pay. interest at the rate of two percent (M) a month on the unpaid balance when we deem your Account to be six or more billing cycles past due; and (4). require you to pay reasonable attorneys fees, any, ooutt costs and other collection-costs incurred by us in the colleddn of any amounts you owe under this Agreement: 24.. Cancelled on. We may close your Account at any time. You will be responsible for repaying any Porchases, Advances or other outstanding;tharges that are still due on your Account. If you are in default under this Agreement (or if your Account 1s closed by you or us for any reason), you authorize us to immediately apply all or part of the CMMA collateral against all amounts. owed on your Account In the matter describedin the "Consensual Security Interest" section. However, if :your Account is closed by you or us and it is in good standing; you also have IN option if you notify us in writing within 30 days of the closing of your Account; to .continue:`making payments. on any outstanding balance of your Account in accordance with the minimum payment and other terms of this Agreement If.you choose this option, the CMMA must continue to. secure your Account in accordance with the terms of this Agreement. Your Card is issued as a way of letting you use your Account it may not be transferred. If we request the Card(s), you must return them. Any services not described in this Agreement that may be provided from time to time in.connection with the Account are not part ofjhis Agreement.and may be changed or cancelled at any time. without notice or refund. 25: Governing Law. This Agreement is tlmirood by the laws of the United States .of Amedea (federal low) and:tho State of Dbtaware. Any dispute -*concerning any ltem in this Agreement will be resoved by those laws: 25. Telephone Monihiring: You agree that your telephone communications with us may be monitored and recorded to improve customer service and security. 6 27. Delayed Enforcement. We may delay enforcing or not enforce any of our rights under this Agreement without losing any of them. 26..-Severablilty. The invalidity of. any provision of this Agreement shall not affectthe validity of any other provision. 29. Consumer Reports. We may obtain consumer credit reports from credit bureaus on you at any time in connection with any extension of credit on your Account, to review your Account, or for other permitted purposes. TERMS FOR ADVANCES 1. Advances.' An Advance is a cash loan or similar transaction. You may take an Advance as.follows. 1) Using your Checks. These Checks may. ont be used by the person(s) whose names are pre-printed on the Checks. We will not Certify these Checks. 2) Using' any of our ATM's or airy AM, which may be provided for. your use by another financial institution or company. 3) Using a Cash Advance; slip. Cash Advance slips may be obtained from any of our branches or from arty bank that accepts the Card: 4) Using the official check mailed to you fn` response to your request. 5) Using any other-service that may be connected to your savings or checking accounts; which may be offered by us, that allows you to take Advances on this 'Account. 6) Entering into transactions that involve the purchase of items convertible to cash or similar transactions; which we .may treat as Advances,,. including but not limited to wire transfers, money orders, travelers cheques, gaming transactions, and tax: payments Advances may also bs referred to as Cash Advances or Gash. 2. Declined. Cheek Fee.. You will be charged the fee in the amount disclosed. In the Pricing. Schedule, for each Check or, other form of Advance which cannot be processed because you are over your credit line, or would beif such check or transaction were processed, or your Account is, delinquerit or closed. 3. , Stop Payment Fee. You will be charged the fee in the amount :disclosed. in:the Pricin4 Schedule for each request you make for us to stop payment on a Check or other form of Advance which we make on.your behalf, onto cancel a stop pRymentrequest. You must_provide,us with any information we reasonably require in order to'process your stop payment or cancellation request We do not have to honor any stop: payment or cancellation request unless we have a reasonable opportunity to act on It. before the Check or Merl brm of Advance is paid or approved for payment. We will hot be liable in Arty way,for any stop payment or cancellation request that we honor or fail to honor if we used ordinary care. 4. Urn f . bnAdv*u; s. For Advwces talon from an ATM„there is a ]knit for each transac tion and a tiailylimit that you'may obtain. 5_ SMvice ChargeflAw cfidiit Fee for Adtiartces. For each Advance, there will be a Transaction Fee in the amount di9dIbsed in the Pricing Schedule.. Any;rmnimum and maximum 7 000553 Transaction fees arp also disclosed in the Pricing Schedule. The total amount of Transaction Feeswillbe shown-In the descriptive portion of your statement. Transaction Fees are : part : of the Finance Charge. The addition of Transaction Fees may cause the Annual Percentage Rate on Advances to exceed the nominal Annual Percentage Rate shown on your statement. 5. Der Responsibilities Jo_ Honer Checks. We may not accept your checks 9: 1) by paying a Check or our check you would go over your credit line; 2) your Check or payment check is postdated: 3) your Cards or Checks have been reported iost.or stolen; 4) your Account has been cancelled or has expired. If a postdated check is paid and as a result any other check is returned or not paid, we are not responsible. You may not use `a Check to pay any amount you owe under this Agreement. TERMS FOR PURCHASES You may use your Account to purchase or lease:goods and services or for lodging services wtwn making :guaranteed reservations or advance deposits. TERMS FOR ADVANCES AND PURCHASES 1. Caleviation of Finance Charge for Advances and Purchases: That portion of the Finance Charge which is determined by,;using the monthly Periodic Rate is calculated separately for Advances and Purchases, but usingthe same method (generally known as the "average daily `balance. including new transactions",method). Separate average; daily balances. (Which. may be referred.. to as. "Finance Charge Balances") are calculated for Advances and'Purchases, and each such balaned'is multiplied bylie applicable monthly Periodic Rate. Subject to the grace period for Purchases described below, finance-: Cnarges accrue on Purchases; Advance and tees beginning on the date the transaction occurs or on the first day of the billing cycle it is received by us.(whichever is Dater), or, at our option, the date the tratsaction t posted to: your Account. Finance Charges continue to accrue`until payment fn full is teceived. We. determine each of the average daily balances as follows. For each day In the billing cycle, we take that day's beginning balance for Advances acid Purchases: (an amount that includes accrued and/or unpaid Finance Charges, fees-and other charges f m previous billing cycles) and add any new Advances, Purchases; or other debitsto the appropriate balance. We then subtract from the appropriate balance any payments or credits posted that day. Thisgives us the ditty balances:for Advances"and Purchases. We then add.all of the daily balances separately for Advances and Purchases lexeluding days which end with a credit balance), and divideeach sum by the number of days in`the;bifing cycle. This gives us the average daily balances for Advances and Purchases. All fees charged to your Account are:added`to the appropriate Purchase balance, except 8 for any Transaction fee' that is added to the appropriate Purchase or Advance balance. This Agreement' provides for the compounding of Finance Charges. Then we multiply each average daily balance by the applicable monthly Periodic Bate. The monthly Periodic Rate will equal 1/1:2" of the Annual Percentage Rate. The monthly Periodic Rate and Annual Percentage Rate are disclosed in the applicable portion of the Pricing Schedule, as may be amended from time to time. These FINANCE CHARGES determined by Periodic Rate for Advances and Purchases are added to any. Transaction Fees to get the combined amount of FINANCE CHARGE shown on! your monthly statement. For Purchases only, there is a minimum FINANCE CHARGE of fffty toms (9.50) if a' Finance. Charge for Purchases is imposed. There will not be a periodic rate Finance 'Charge on Purchases if we receive payment for the "New Balance" by the time of day on the "Payment Due Date" shown on the monthly statement. (Mis is known as the "grace period.") You may also avoid Finance Charges for new. Purchases for the first baling cycle. in which they are posted to your Account if that cycle began with a "Previous Balance" of zero or the "Previous Balance" is reduced to zero by credits or payments we receive by the time of day on the "Payment Due Date" shown on your previous monthly statement. Payments -must be in accordance with our payment instructions. There is no grace period for Advances. 2. Periodic Rates. The -monthly Periodic Rates applied to the Purchases and: Advances :average daily balances and the corresponding; ANNUAL PERCENTAGE RATES are in the:Pricing Schedule. Where the Pricing Schedule includes "Variable Rate Index and Margin information-for a particular rate that applies'. to your Account, that rate js a variable rate and the disclosure, below regarding' variable rates apply; for that rate. Where the Pricing Schedule does not include such "Variable Rate index and Margin" information for any particular rate (as indicated by an %A" for "not applicable" or the absence of such. information in ` the Pricing :Schedule), that rate is fixed and. Ahe disclosures below regarding variable rates do notapply. If different Periodic' Rates apply, to balances incurred before and aftera certain date or transaction, we may identify such balances in promotional, offers, on statements or otherwise using terms 'such as "Current" or "New" to refer to balances subject to pro'motional.! rates or new transactions; and "Prior" or "Old" to, refer to' balances subject to regular rates or existing balances. If the Periodic Rate for one type of balance on your Account Is'the; same as the Periodic Rate for another balance, we may,combine thern and refer. to those combined balances as Purchases or Advances as applicable. 3. Variable 'Rates. If the monthly Periodic .Rate and corresponding ANNUAL PERCENTAGE RATE that apply to your Account are variable rates (see the Pricing Schedule), they may increase or decrease from one billing cycle to anothet. These rates are based on the value of an index (the "Index") to which 8 000554 I we add a margin. The Index and margin are in the Pricing Schedule. The Index. plus the margin determine the. nominal ANNUAL PERCENTAGE RATE: If the Index IS not published on the relevant date, the index we use in setting the monthly Periodic Rate for Purchases and/0 Advances on your Account will be:the t'rint Rate'publishe d.in The New York-Trmes or any other newspaper of national circulation selected by us. For purposes. of this Agreement; the index is merely, a pricing index. It. is not, and. should not.be considered by you to represeint.:the lowest or the best interest rate available to a borrower at. any particular bank: at any given. time. The monthly Periodic Rate for Purchasesandlor Advances increases when the index increases on the relevant. date, and decreases when the Index' decreases on the relevant date. An increase in the rate may cause you to pay a larger Finance Charge and a higher minimum monthly. payment. A decrease in the Tate may cause you to pay a smaller Finance Charge and a lower minimum monthly payment. Any limit on the amount by which the monthly Periodic Rate and the corresponding Annual Percentage Rate may change at any one time or over the life' of yourAccount is set forth in the Pricing Schedute If no limit appears for any particular rate, then that rate has no limit by which it may change- ARBITRATION AGREEMENT IT IS IMPORTANT :THAT YOU READ THIS ARBITRAHON AGREEMENT CAREFULLY. IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE :.A: CLAIM OR DISPUTE THAT AS COVERED BY THIS ARBITRATION AGREEMENT THROUGH ARBITRATION, EVEN F YOU WOULD: PREFER TO LITIGATE THE CLAIM IN A COURT..: YOU ARE GIVINGU.P.RIGHTS YOU MIGHT HAVE TG LITIGATE:SUCH.CLAIMS IN A.COURTOR BEFORE A JURY OR TO PARTICIPATE IN A CLASS: ACTION LAWSUIT OR OTHER' REPRESENTATIVE ACTION WITH RESPECT TO, SUCH A CLAIM. OTHER. RIGHTS THAT.YOU WOULD HAVE IF YOU WENT 70 COURT, SUCH AS'DISCOVERY OR THE RIGHT :TO APPEAL THE ::DECISION; MAY NOT BE AVAILABLE IN ARBITRATION OR MAY BE MORE LIMITED. CERTAIN CLAIMS BY EITHER OF US AGAINST THE OTHER SEEKING UP TO $25.,000.: EXCLUDING INTEREST, COSTS AND fm_ MAY BE RESOLVED BY LITIGATION AND N07 ARBITRATION. 1. : Binding Arbitration. This, Arbitration Agreement is made pursuant to a transaction involving interstate corrrmerce;, and shall be ::;governed by and be enforceable under the Federal Arbitration Act (the "FAA'), 9 U.S C. §1-16 as it may be amended. This Arbitration Agreement sets forth: the circumstances and procedures under which- claims (as defined below) may be resolved by arbiration instead of being litigated in court., 2. Malik Covered. Anyciaini or dispute ("Claim", which term may refer to more than one claim as is appropriate for the 10 000555 ;ontext in which it is used) by either you or us against the other,) N against the employees, agents, or assigns of the other arising 'nom or relating in any way to the Cardmember Agreement, any )nor Cardmember Agreement, your credit card Account or the advertising, application or approval of your Account, will, at the ;lection of either you or us, be resolved by binding arbitration. this Arbitration Agreement governs all Claims, whether such ;laims are based on law, statute, contract, regulation, ordinance, ort, common law, constitutional provision; or any legal theory of. aw. such as respondent superior, or any other legal or equitable )round and whether such Claims seek as, remedies money iamages. penalties, injunctions, or declaratory or equitable relief. :)aims subject. to this Arbdration.:Agreemeni inctude Claims. ,egardng the applicability, of this Arbitration Agreement or the validity of the entire Cardmember' Agreemern or any prior 'ardmember Agreement. As used in this. Arbitration Agreement, he term "Claim" is to be given the broadest possible meaning. Jotwithstanding the foregoing, a Claim inay be resolved by itigation and is not subject to arbitration under this Arbitration kgreement if (1) the only remedy that will be sought by either of he parties is monetary damages; (2) neither party will seek a ecovery in excess of $25,000, excluding interest, costs and feet; nd (3) the only parties to the litigation will be you and us. If one ,arty wants a Claim to be resolved by arbitration, but the:other )arty believes the Claim may be litigated subject to this small ;)aims exception, the party seeking arbitration pray. require easonable assurance from the other party that the conditions are rue and that the party wishing to resolve the Claim by litigation ¢ill take no action now or in the future to change the nature of he Claim so that it would no longer meet the conditions of this mail 'claims exception. If such reasonable' assurance is not irovided, the party seeking such assurance may require the aaim to be resolved by arbitration. As used in this Arbitration Agreement,-the term "Claims icludes claims that arose in the past, of ariso in the present or ie future. If a party elects to arbitrate a Claim, the arbitration Alf be conducted as an individual action. The only Claims that iay be joined in an individual action -under this Arbitration greeraent are (1) those brought by us against you and any co- pplicant joint cardmember, or authorized user of your Account, r your heirs or your trustee in bankruptcy or (2) those brought y you and any co•applicant, joint cardmember, or authorized ser of yourAccount, or your heirs or. your trustee Inbankruptcy gainst us. This means that even if a class: action :lawsuit or ther :repremintative action, !such: as those in the form of a rivate attbrney general action, is"tided, any Claim between 'us Slated to the issues raised in such lawsuits will be subject to rbitration if you or we so elect. Claims subject to<arbitration iclude :Claims that are made as Counterclaims, cross-claims, iird-party, claims, interpleaders or otherwise, and aparty who ,iiiate"s a proceeding in court may elect arbitration with respect ) any such Claims advanced in the lawsuit by any patty of arties. For the purposes of this Arbitration Agreement 'ire" and means Chase Manhattan Bank USA, N.A., its parent. subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we" or "us" shall mean any third party providing benefits, services, or products In connection with the Account (including but not limited to credit bureaus, mercharts that accept any credit device issued under the Account, rewards programs and enrollment services, : credit insurance companies, debt collectors, and all of their otficers, directors, employees, agents and representatives) if, and only if, such a third party is named by you as a co-defendant in arty CWm you assert against us. 3. 1019tion of ArbihOoo. The party filing an arbitration must choose one ..of the following :three arbitration administrators: American Arbitration Association; JAMS; or National' Arbitration Forum: However, if we elect an administrator, you will have ten days after receiving notice of our election to request that the arbitration be conducted pursuant to rules of one of the other two arbitration administrators. To exercise your choice, you must notify us of your choice by wilting us at P. 0. Box 15933, Wilmington, DE 19850.5933. Send us a copy of the notice you received and state which of the .other two arbitration administrators you choose. These administrators are independent from us. The adrWmistrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected administrator by an Impartial third party chosen in accordance with this Arbitration Agreement and rules of the selected administrator. Any arbitration hearing that you attend shall be held at a place chosen by the. arbitrator or arbitration administrator within the federal judicial dWrict in which you reside at the time the Claim. is filed, or at some other place to which you and we agree in writing: You may obtain copies of the current rules of each of the three arbitration administrators, information about. arbitration and arbdndiar; fees, and instructions for initiating arbitration by contacting the arbitration administrators. American ArbitrationAssociation .335 Madison. Avenue, Floor 10 New Ybrk, NY 10017-4605 Web she:yww.adcorb 800-778-7879 JAMS t92o main Street. Suite 300 Irvine, CA 92610 Web site: www amsadreom 800-352-5267 National Arbitration' Forum PO_ Box 50191 .Miormpoiis, MN. 55405 Web site: www.arbitration=forum.com 600-474-2371 1t 12 4. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will. either be a lawyer with at least ten years experience ora retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date. the arbitration is filed unless those procedures and rules are ,nconsistent with this Arbitration Agreement; in which case this 4greement will prevail. These procedures and rules may limit the amount of discovery available to you onus. The arbitrator will apply applicable substantive law consistent with theFAA and applicable statutes of limitations, and. will honor claims of privilege recognizedat law. You may choose to have a hearing and be represented by counsel. The arbitrator -:will take reasonable steps to protect customer Account information: and other confidential information, including the use oflprotective orders to prohibit disclosure outside the arbitration,.if requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not.have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. The arbitrator may award. punitive damages of attorney fees, if such damages are authorized by law. The arbitrator will make any award in.writing but need not, provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of ihe'reasons for the award. 5. Costs. We will reimburse you for the Mial arbitration filing fee paid by you up to the amount of $500 upon receipt of proof of payment. Additionally;: it there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for:the.first two days of that hearing. The payment of any such hearing fees by us will be made directly- to the arbitration administrator selected by you or us pursuant to-this Arbitration Agreement. All other fees will be allocated in keeping with the rules of the arbitration administrator'and<applicable,law. l However; we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator deformities there' is good reason for requiring us to do so or you ask us and we determine there, is good cause for doing so. Each party will bear the expense of the fees and costs of that party's attorneys, experts; witnesses, documents and other expenses, regardless of which party prevails, fot arbitration and any appeal (as permitted: below). except that the arbitrator shall: apply any applicable law in determining whether a party should recover any or all tees and costs from another party. 5. ''Enforcement, finality, appeals. You. or we may. bring an action including a summary or expedited motion.to compel arbitration of Claims subject to arbitration, or to !stay the litigation of any Claims pending arbitration, in any court having jurisdiction, Such action may be broughtat any time,'even if any such Claims are part of a lawsuit. Failure or forbearance to 13 enforce his Arbitration Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration ata later time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. The arbitrator's decision wilt be final and binding, except for any right of appeal under the FAA. In addition, the non-.prevailing party may appeal any award that exceeds $100,000 or that includes an award of punitive damages. Any request for an appeal must be filed in writing with the same arbitration administrator within 30 days. of the receipt by the non-prevailing party of notice of the original award. The appeal shall be -heard before a panel of three neutral arbitrators designated by the same arbitration administrator. The panel will consider all factual and legal issues anew; follow the same rules that apply `to a proceeding using a single arbitrator, and make decisions based on the majority vote. The cost of the appeal imposed by the arbitration admbtistrator shall.be borne by the appealing parry. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. 7. Severabillty, survival. This Arbitration Agreement shall survive: (1) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party; and (11) any transfer, sale, or assignment of your Account, or any amounts owed on your Account, Warty other person. If any portion of this Arbitration Agreemenl is deemed invalid or unenforceable, the remaining portions hall nevertheless remain in force FOR: OHIO RESIDENTS. The Ohio taws against discrimination require that all creditors make credit equally available to all creditworthy customers and that `credit :reporting' agencies maintain sepparate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. 1N CASE OF ERRORS OR MUMIES ABOUT YOUR BILL YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE This noljce con tains important information about your rights and our responsibilities under the FairCredit Billing Act. Notify Us in Cm of Errors ar Question About Yotur Bill If you think your bill is wrong, or it you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill afterthe word s) "Duestions" or "Send Inquiries To:!' Write to us no later than days after we sent you the firsfbili on which the error or problem 14 000557 . V.: , f appeared. You can telephone us, but doing so will not preserve (b) The purchase price must have been more than $50= your rights. Theselimitations do not apply if we own or operate the in your letter, give us the following information' merchant, or if we mailed you the advertisement for the property • Your name and account number: or services. • The dollar amount of the suspected' error. PRICING SCHEDULE • Describe the error and explain, if you can, wh) you believe Purchases Monthly Periodic Rate: 1.304%' there is an error. If you need more information; describe the item you are not sure about . purchases ANNUAL PERCENTAGE RATE: 15.6546' ' If you have authorized us to pay, .your credit card hill' purchases Variable Rate Index 8 Margin: Prime Rate" + 11.4% automatically from your savings or checking account, you can Cash Advances Monthly Periodic Rate: 1.304%" stop the payment on any amount you think is wrong. To stop Cash Advances ANNILK PERCENTME RAM 15.65%- , the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Cash Advances Variable Rate Index B Margin: Prime Rate" Your Rights and Our Responsibilities Met We Receive Your + 11'476 l F A u $35 Wrhten Notice nn a ee:. We must acknowledge your letter within 30 days, unless we Minimum FINANCE CHARGE: $0.50 have corrected the error by then. Within 90 days, we must either Transaction Fee FINANCE CHARGE: 3% of each Advance correct the error or explain why we.believethe bill was correct. amount (minimum $5, no maximum) After we receive your letter, we cannot try to collect any DtherFees. Chames Minimum PavmentamYorRate Informait= amount you question, or report you as delinquent. We can late Payment `Fee: : $29 .continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against Overlimit Fee: $29. your credit line. You do not have to pay any questioned amount Returned PaymentFee: $29 while we are investigating, but, you are still obliged to pay the lYlllni payment: 296/$18 minimum parts of your bill that are not in question. If we find that we. made a mistake on your bill, you will not.have to pay?any finance Fore Currency Transaction Fee: 296 x converted transaction ? PY charges related to any questioned amount. It we didn't make.a amount mistake you may have to pay finance charges, andypu will 'have Stop Payment Fee:. $29° to make up any missed payments on the questioned amount; :ln Co Fee:. Copy $5 percopy; $10 per original either,case,;we will send you a statement of the amount you owe sales slip and the date-that it is due, If you fail to pay the amount that we think you owe, we may report you as delinquent. i4owever, if our explanation does not " Variable Rate as of last business day of 03/03 satisfy you and you write to us withinten days telling us that you still're9use to pay we must tell anyone we report you to that you •" Prime Rate (The "Index") is the highest Prime Rate published ` " , , havk 2 question about your bill. And, we must tell you the name in the Money Rates table of The Wall Street Joumal on the last business day of each calendar month f"Determination Date") of anyone wi:reported you to. We must tell anyone we report you to that the matter has been settled between us when itfinatry is. . The Index will be effective from the first day Of the billing cycle ' that doses In the second calendar month following the If.we don't followthese rules, we can t collect the first $50- Determination- Date. of the questioned amount, even if your bill was correct. Special Rule tar Credit Card. Purchases If yoT. have ,a problem with the quality of property ot services that you purchased With a credit card,.and:you have tried in good faith to correct the problem with the merchant you may have the right not to pay ifte.remaming amount due on the property or services. There are two limitations bn this right; (a) You must have madedhe purchase" n your home state or, if not within your.bome state within 100 miles of your current mailing address; and 0 2003 Chase Manhattan Bank i1SA, N.A. 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This Agreement or any portion of it could become effective on an earlier date because of new federal law. This Agreement incorporates by reference all of the numerical rates and fees (including those set forth in your previous Rates and Fees Table as it may have been amended or superseded) that are applicable to your account ("Account") as of February 22, 2010 (or such earlier date that this Agreement or any portion of it becomes effective). Your revised Cardmember Agreement also incorporates by reference any promotions program terms set forth in your previous Rates and Fees Table. This Agreement governs your credit card Account You promise to pay for all transactions, interest charges and fees assessed on your Account, and any past due amounts. The words'we; "us' and 'our mean Chase Bank USA, N.A., which is the issuer of your credit card and lender for your Account. The words you; your,' and yours" mean everyone responsible for this Account, Including the person who applied for the Account and the person to whom we provide the billing statements. The word "card' means each card or other access device, such as Account numbers, that we give you to use your Account. Amendments: We have the right to change the farms of this Agreement for any reason, and in airy respect, by adding, deleting or modifying any provision, including APRs, fees, the Minimum Payment and other terms. We can add a new provision without regard to whether the provision deals with a matter already addressed by this Agreement. In certain` circumstances, we are required bylaw to notify you of changes to the terms of this Agreement, and in other circumstances we may not be required to do so. When required by law to advise you that you have a legal right to rejed any changes we make, we will provide an explanation about how to de that. In some c1l6umstances, APRs or other aspects of your Account may change even though the terms of the Account do not charge, for example when the Prime 11104 changes or the Penally APR becomes applicable. See the Penalty APR section about our right to increase APRs on outstanding balances and/or future transactions for events of default including late payment. USING YOUR ACCOUNT Your Account is to be used only for personal, family or household purposes. You promise that you will not allow your Account to. be used for Internet gambling, and you wilf not use it for any unlawful purposes or transactions, including. check kiting. Authorized' Users: If you let anyone use your Account, that person is an authorized user. You may request another card for each authorized user. If you do, this Account may appear on the authorized user's credit reporL You are responsibld for all use of your Account including charges by authorized users. You musttellus if you want to stop an authorized user from using your Account. If you do, we may close the Account and issue a new card(s) with a different Account number. IYis your responsibility to get any cards, checks or any other means of access to your Account from the authorized user and destroy them or return them torus upon request. Billing :Cyties/Staismenb: Your Account will have time periods called 'billing cycles' or 'billing periods' Each bilking cycle is about one month in length. We will provide a billing statement each month one is required by applicable law. Credit Line: We also call this a credit limit. We will assign a credit line to your Account.Your statement will show the amount of your credit line as of the date of the statement: If your Account goes overifmit, you must repay the overlimit amount when it is billed on your monthly billing statement, or sooner If we ask you to. We may, but are not obliged to, allow your Account to go over its credit line. We maychange or cancel..your credit line without telling you ahead of time. If we do, ltwill not excuse you from your obligations to pay us. We may restrict theextent to which your',credit tine can be used for different types of transactions (for example, purchases, balance transfers and/or cash advances) such as by limiting the dollar amount or number of or time period available for any such transactions, and vlemay completely prohibit use of your credit line for particular types of transactions. Lost or Stolen Cards, Checks or Account Numbers: If you lose or someone steals your card or any other means to access your Account, or if you think someone has used your Account without your permission, you must tell us immediately. Call the Cardmember Service telephone number on your card or billing statement. Do not use your Account after you notify us. We may end your credit privileges and close your Account if we consider it appropriate. You agree to provide us information to help us find out what happened. TYPES OF TRANSACTIONS AND AUTHORIZATIONS Purchases: You may use your card to pay for goods or services. Balance Transfers: In our discretion, we may allow you to transfer balances from other accounts or loans from other credit card companies, other lenders or other balance transfers we may allow, using balance transfer checks we provide or our website, or by calling us to make the transfer on your behalf. Those uses are 'balance transfers'. You are not authorized to transfer balances to this Account from other accounts or loans with us or any of our related companies. If you request a balance transfer but do not have enough available credit, we may transfer only a part of the requested amount. Cash Advances: You may use your card to get cash from automatic teller machines or from banks that accept the card, or by using cash advance checks we may provide. Also, we will treat as cash advances any balance transfer checks made payable to cash, you or other payees we disclose to you. All the following uses of your Account will be treated as 'cash advances': purchasing travelers checks, foreign currency, money order;, wire transfers or similar cash-like transactions; purchasing lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions; and making a payment using a third party service. Types of Checks/Refusal to Pay Checks: Each balance transfer check or rash advance check you write is your request for funds. We may also call them a check or an access check. The check must be signed by the person whose name is printed on it. When we receive an access check for payment, we may review your Account to decide whether to pay that check. We fiave the right not to pay a check for any reason, including but not limited tb the following examples: • We or one of our related companies is the payee on the check. • The check is post-dated. If a post-dated check is paid; resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. • You-are in default (including:exceedingyour credit line) or would be if we paid the check. Overdraft Advances: You may link this Account to cover overdrafts on a checking account with one of our related banks. The terms of this Agreement and your checking account agreement will apply. Promotions: We may make special offers for you to use your Account. If we do, we will tell you how those offers will work and how long they will last. Any special offer is subject to the terms of this Agreement, unless we explain otherwise in the offer. Refusal to Authorize Transactions: We may decline any transaction on your Account for any of the following reasons: • operational matters; • your Account is in default (including exceeding your credit line), • suspected fraudulent or unlawful activity, or • any other reason we choose. We are not responsible for arty losses If a transaction on your Account is declined for any reason, either byus or a third party. Page 1 of 5 PAYMENTS Minimum payment: You must make your Minimum Payment in a way that we receive it by the time and date it is due. You may make payments greater than your required Minimum Payment. This will reduce the interest charges that are added to your Account. Your Minimum Payment will ordinarily be the largest of: • S[VAR21 (or total amount you owe if less than $[VAR21?; or • [VAR3]% of the New Balance; or • the sum of 1% of the New Balance, the periodic interest charges and late fees we have billed you on the statement for which your Minimum Payment is calculated. As part of the Minimum Payment, we will also add any amount past due and we reserve the right to add any amounts in excess of your credit fine. Even if the Minimum Payment does not Include amounts in excess of your credit line, you must pay such amounts when billed on your monthly statement or sooner if we ask you to. Except for Blueprint payment plans that may be offered to you, if you have agreed to the terms of a promotional financing transaction with a specific fixed payment, that amount will be added to and become part of your required Minimum Payment. Payment Instructions: You agree to pay us amounts you owe in U.S. dollars. You must use a check, money order or electronic debit drawn on a US bank or a foreign bank branch in the U.S. We will not accept cash payments through the mail. When we receive or apply a payment, we might not restore your available credit by that am, ount for up to 15 days. For mailed'payments, your billing statement and the envelope I comes In give you instructions about how, when and where to make your payments. You must follow these instructions. Your payment will not be credited to your Account before we receive it at the address we specify for receipt of payments and in accordance with the payment instructions. It you make a payment marked as paid in full or indicate that it is to pay all amounts you owe us; you must send that payment to the special address on the back of your statement. That address is called the "Conditional Payments' address. We mayaccept a conditional payment and not agree that it pays all amounts you owe on your Account. Also, we may return a conditional payment to you and you will still owe us the amount of the payment or any other amounts owed on your Account. You authorize us to collect any, payment check either electronically or by draft. We can collect your payment checks electronically by sending the check number, check amount, account and routing numbers to your bank. Or we can collect these cheeks by sending a draft drawn on your bank account. Funds may be taken from your bank account on the same day we receive your payment We will not keep your original check, just a copy of it. You may Use our optional services to make payments electronically through our websiter our automated telephone service orourCustomer Service advisors, or using our Autopay feature. We will provide the terms for these payment services before-you use,,Ihem. Payment drediting/Allocation: We will apply payments equal to or less than the required Minimum Payment amount and any credits to balances on your Account in away that is: most favorable to or convenient to us. Generally, and except as required by law, we miff credit payments over the required' Minimum Payment to balances with the highest APR first. We will then credit payments to lower rate b4l2nces in dest;ending order of APRk. The manner In which we apply any payme4'0 yout Account balances may affect the amount of any payment applied to introductory or'promotional financing balances. This may also affect the amountof any payment to be madeondera Blueprint payment plan that may be offered to you. Credit Winces: You may request a refund of any credit balance at any time. Otherwise, We will apply, it to any new charges on your Account or provide the refund to you as required bylaw. Automatic Charges: You may allow others to automatically charge repeat transactions to your Account. You will be responsible for making new arrangentents io make those payments if they are stopped for any reason such as: • your Account is closed or suspended, or • your Account number changes. PERIODIC INTEREST CHARGES Daily Interest Rates and Annual Pereeatage Rates: To get the dairy interest rate we divide the APR by 365. APRs are either introductory, promotional, standard or Penalty APRs. Periodic Interest Charge Calculatiei -Dally Balsas Method (including current transactions): We figure periodic interest charges for each billing cycle. • We begin with each existing balance for each type of transaction (for example, purchases, balance transfers, cash advances, overdraft advances, and each promotion). We may combine different transaction types with the same daily interest rates. • We figure the'daily balance' for each transaction type. We take the beginning balance for each day. We add any periodic interest charge from the prior day's daily balance. This results in daily compounding of interest charges. We then add any new transactions or other debits (including fees and unpaid interest charges), and subtract any payments or credits. We treat any net credit balance as a zero balance. This gives us the daily balances for each type of transaction. - We figure the periodic interest charges on your Account by multiplying the daily interest rate by the 'daily balance" of your Account for each transaction type, each day in the billing cycle. • The total periodic interest charges for the billing cycle are the sum of the daily periodic interest charges for each transaction type for each day during that billing cycle. It any periodic interest charge is due, we will charge you at least the minimum interest charge, plus any other finance !charges '(for example, transaction fees). We add a new purchase, cash advance, balance transfer. or overdraft advance, it applicable, to the daily balance on the date of the transaction, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance on the date the payee deposits the check or a laterdate of our choice. We add fees either on the date of a related transaction, the date they are posted to your Account, or the last day of the trilling cycle, whichever we may choose. For each transaction type we calculate a Balance Subject to Interest Rate for the billing cycle by adding all your daily bad and dividing that amount by the number of days in the billing cycle. We may use 4natlematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, periodic interest charges and related amounts. Paying Interest: We begin assessing periodic interest charges on a transaction, fee, or interest charge from the date it is added to your daily balance as described in this Agreimerd until your Account is paid in full. Your due.date will be a minimum of ?1 days following the dose of each billing cycle. You can avoid periodic interest charges;_on new. purchases when they are first billed to a statement, as described below, but not on cash advances, balance transfers or overdraft advances. If you receive a current monthly statement that includes new purchases, and then makea..payment that we receive bythe date and timethe Minimum Payment is due for that statement, we will not charge'periodic interest on any portion of the new purchases on that statement that we allocate such payment to, so long as your current'statement also shows that we received payment of the ending balance forydur previous month's statement by the date and time its Minimum Payment was"due or that the vriding balance foryour prelAous month's statement was zero. it: ou have 3--balance other than 'a purchase balance and the other balance carries a higher periodic interest rate, you may not be able to avoid periodic interest charges on new purchases if you do hot pay your balance in full each month, because we generally allocate payments first to the balance with the highast periodic interest rate. Penalty APR! The Penatty APR wilt be applicable to your Account if you: • fail to make any Minimum Payment by the date and time due (late payment); • exceed your credit line; • make a paymentto us that is returned unpaid; or • do any of the above on another account or loan you have with us or any of our related companies. Page 2 of 5 ADV10606 Before we apply the Penalty APR on any type of transaction or balance, we will provide you any notice required by law in advance that tells you which future transactions and/or outstanding balances are subject to the Penalty APR and when the APRs will increase. If we do not increase your APRs to the Penalty APR when any of these events occur, we reserve our right to increase your APRs to the Penalty APR if any of these events occur in the future. It your APRs are increased on any type of transaction for any of the reasons above, the Penalty APR will be applicable indefinitely to future transactions of that type that occur more than 14 days after we provide you notice about the APR increase. If we do not receive any Minimum Payment within 60 days of the date and time due, the Penalty APR will be applicable to all outstanding balances and future transactions on your Account. However, if we receive six consecutive Minimum Payments by the date and time due beginning with the first payment due after the effective date of the increase, we will stop applying the Penalty APR to transactions that occurred prior to or within 14 days after we provided you notice about the APR increase. For balances that we stop applying the Penalty APR to, we will apply APRs that would have applied at that date if the Penalty APR had never been applicable. See the Amendments section about our rights to increase APRs and make other changes to your Account for any reason. Variable Rates: When you have an APR that vanes with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journal two business days before the Closing Date shown on your billing statement The 'Prime Rate` is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall Street Journal. A *business day' is any day that is not a weekend or federal holiday. The APR will change if the Prime Rate changes. The new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher Minimum Payment The Prime Rate is simply a pricing index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will selecta similar reference rate. OTHER FEES AND CHARGES We may charge the following fees. Transaction fees are added to the related balance for the type of transaction. All other fees are added to the balance for purchases. Annual Membership fee: If your Account has an annual fee or similar charge, it will be billed each year or in 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 our providing the statement on which the annual tee is billed and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your Account and to limit your right to make.transactions on your Account. If your Account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your Account relationship. Foreign?Trsn$actions/Fees: A Foreign Transaction fee is a fee which will be applied to transactions' that take place outside of the United States; even if the Currency used is U.S. Dollars. If a transaction is in a foreign currency, Visa International or MasterCard International will convert the transaction' into U.S. dollars by using their own currency conversion procedures. The exchange rate will Ire determined in one of two ways. Ei#her the rate will come from the range of rates,. available in the wholesale currency markets for the processing date (which maybe diffetent from the rate the: card association receives) or a gove.tnment-mandated rate in effect on that date. The exchange rate used may differ from the rate on the date of your transaction. We fnay charge a: Foreign. Transaction fee that is a percentage of the U.S. Dollar amountof 'any foreign transaction as provided to us from Visa or MasterCard. Thes6 T;Oreign Transaction fees are finance charges- The same process and charges will apply again if any Foreign Transaction is reversed. Late Fai* We may charge a Gate fee if we do not receive at least the required Minimum hymerit for any billing cycle by the date and time it is due. If the amountofthe late feels biased on a balance, we will use the total Account balance at the end of the day that the late fee is charged.to calculate the fee. This date may be as early as the due date for the late payment. Minimum interest Charge: We may charge no less than the minimum interest charge 'K any periodic interest charge is due for a billing cycle. Overlimit Fee: If you agree to allow us to charge overlimit fees, we may charge such a fee to the extent allowed by law when your Account goes overlimit. We may charge this fee even though your balance is over the credit line because of a transaction we allowed. You have the right to withdraw your consent to our charging the overlimit fee at any time. If you do so, we will stop charging you the fee. Return Check Fee: We may charge a return check fee if: • we stop payment on a cash advance check or balance transfer check at your request, or • we refuse to pay a cash advance check or balance transfer check. Return Payment Fee: We may charge a return payment fee if: • your payment check or other type of payment is not honored, • an automatic debit or other electronic payment is returned unpaid, or • you did not sign your payment check or R cannot be processed. Service Fees: We may charge fees If you request a copy of a billing statement, sales draft or other record of your Account, or if you request two or more cards or any special services (for example, obtaining cards on an expedited-basis). However, we will not charge fees for copies of documents requested for a billing dispute. Service fees may change from time to lime, We will inform you of the fee in effect prior to when the applicable service is provided. Transaction Fees for Balance Transfers arid Cash Advances: We may charge you transaction fees for balance transfers and Cash advances. These transaction fees are finance charges and are added to the balance for the applicable category of balance transfers or cash advances as of the date of that transaction. DEFAUMOLLECTION Your Account may be in a default if any of the following applies: • we do not receive at;least the Minimum Payment by the date and time due as shown on your billing. statement. • you exceed your credit tine. • you fail to comply with the terms of this Agreement or any other agreement with us or one of our:felated companies. • we obtain infarmatidn that causes us to believe that you may be unwilling or unable topayyour debts to us or to others on time. • you file for bankruptcy. • you become incapacitated or die. If your Account is in default, we may close your Account without notice and require you to pay your unpaid balance immediately. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under thisiAgreement. CLOSINMiU1,$11ENDifIG liOUR ACCOUNT You may close your Account at any time. We may require you to provide a closure request in writing. F. tCeptas required by applicable law, we may close your Account:orsdspend your credit privileges orany feature on your Account at any time for any reason, including:Account inactivity, without notice. If we close your Account or suspend Our credit privileges or any feature, we will not be liable to you for any consequences that result; If you or we close your Account, you and any authorized users must stop using;your Account immediately and destroy all cards, checks or other means to access your Account or return them to us upon,request. You will continue to be responsible for charges to your Account according to the terms of this Agreement. CRE61T INFORMATION We may review your credit history by obtaining information from credit reporting agencies and others. We may report information about you and your Account to credit reporting agencies. If you request additional cards on your Account for others, we may report Account information in your name as well as in the names of those other peopli. If you think we have reported information to a credit reporting agency that is not correct, you may write to us using the Cardmember Service address listed on your billing statement. Please include your name, Page 3 of 5 ADV10606 address, Account number, telephone number and a brief description of the problem and a copy of the credit reporting agency report I you have it. We will investigate the matter. If our investigation shows that you are right, we will contact each credit reporting agency to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. COMMUNICATIONSICHANGE OF INFORMATION We can provide cards, billing statements and other communications to you at any mailing address or email address shown in our records. If you change your contact information such as any mailing address, telephone number or email address, you must notify us immediately in writing at the address shown on your billing statement. Telephone numbers you provide include those you give us and/or those we obtain from caller iD processes. We may obtain telephone number, mailing address and e-mail address information from you or third parties, and we may accept mailing address corrections from the United States Postal Service. If more than one person is responsible for this Account, we can provide billing statements and communications to any of you. Notice to one of you will be considered notice to all.of you You all will remain obligated on the Account. You agree to pay any fee(s) or charge(s) for incoming communications from us, and/or outgoing communications to us, without reimbursement from us. You authorize us, or anyone acting on our behalf, to call or send a text message to any number you provide or to arry number where we reasonably believe we can contact you. These include calls to mobile, cellular, or similar devices, and calls using automatic telephone dialing systems and/or prerecorded messages. We may also send an email to any address where we reasonably believe we can contact you. Some of the legal purposes for calls and messages include: suspected fraud or identify theft; obtaining information; transactions on or servicing of your'Account; collecting on your Account; and providing you information about products and services. TELEPHONE MONITORING AND. RECORDING We and our agents may listen to and record your telephone calls with us. You agree that we and our agents may do so, whether you or we initiate the telephone call. ENFORCING THISAGREEMENT We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future. If any of the terms of this Agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your Account, any amounts you owe us, or any of our rights and obligations under this Agreement to a third party. The assignee will be entitled to. any of our rights that we assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL +,6E GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. OR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement If you have any questions about your Account or this Agreement YOUR BILLING RIGHTSv Keep this Document for Future Use This notice tells you'about your rights and our responsibilities under the Fair Credit flitting Ad. WHAT tO 00'IF YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statement, write to us on a separate sheet at the Cardmember Service address shown on your billing statement. In your letter, give us the following information: • Account information: Your name and Account number. • Dollar amount The dollar amount of the suspected error. • Description:of problem: If you think there is an error on your bill, describe what you believe is wrong and-why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in wrILrig . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LIETER When we receive your letter, we most do two things: 1.Within 30 days of receiving your letter, we must tell you that we received your letter We will also tell you if we have already corrected the error. 2.Within g0 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our Investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do riot believe there was a mistake: You will have to pay the amount in question, along with applicable Interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. It you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay: If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even tf your bill is correct' YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods. or services that you have purchased with your credit card, and you have tried in goodfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card Account do not qualify. 3.You most not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing on a separate sheet at the Cardmember Service address shown on your billing statement While we investigate, the same rules applyto the disputed amount as discussed above. After we finish our investigation, we will te11 you our decision. At that point, if we thinkyou owe an amount and you do not pay, we may report you as delinquent Page 4 of 5 ADV10606 The following describes separate terms for Blueprint payment plans we may offer you, and are not part of your Cardmember Agreement. PAYMENT OFFER - FINISH ITsM AND snnlm This Section explains our Finish It and Split plans, which apply if offered to you and you accept A. Finish It lets you select a portion of your balance. Split lets you select a specific purchase. For both, you can establish payments to pay off ahead of your regular schedule. We call both these features your Plan. The amount of the payments you establish under your 'Plan Payment" will be shown on your monthly statement. It is separate from your required Minimum Payment. Your Plan Payment will be included in your "Blueprint Payment". This will also be shown on your manthfy statement. The Blueprint Payment also includes your required Minimum Payment amount. The actual required Minimum Payment will be shown on your monthly statement. Malting your full Blueprint Payment will satisfy your required Minimum Payment. These Plans are optional features of yourAccount. You must make your required Minimum Payment by its due date. However, not making your Blueprint Payment will not put your Account in default. If you do not pay enough to satisfy at least your required Minimum Payment, your Account will be in default. Then, we may take any of the actions explained in this Agreement. Interest Charges associated with your Plan Balance(s) will be figured the same way as those for the category of balance from which you selected your Plan Balance(s). Even if you make your required Minimum Payment, we will remove your Plan from your Account it you do not make at least haft of your Plan Payment (a) for 3 months in a row or (b) for any3 months in a rolling B month period. Also, if you ask us to, we will remove the Plan from your Account. If your Account is in default, the Plan may be removed from your Account. If a Plan is removed from your Account, your Plan.Balances(s) will move to the category of balances from which you selected your Plan Balance(s). They will be treated as those balances for all purposes. If there are balances onyourAccount with a higherAnnual Percentage Rate than your Plan Balances, generally we will credit payments overthe required Minimum Payment to balances. with the highest rates first. We will then credit lower rate balances in descending order of the value of those rates. This may affect the amount of any payment to be made to Plan Balance(s). PAYMENT OFFER - FULL PAY= This Section explains our Full Pay plan, which applies it it is offered to you and you accept it. The Full Pay feature lets you select one or more types of Purchases to be separated out on your monthly statement. You can pay these in full every month. The total of the types of purchases you pick is called your Full Pay. Balance. The amount of the Full Pay Balance is totaled at the end of each billing cycle. It is separate from your required Minimum Payment. The Fug Pay Balance amount will be included in your "Blueprint Payment". This will also be shown on your monthly statement. The Blueprint Payment also includes your required Minimum Payment amount. The actual required Minimum Payment on your Account will continue to be shown on your monthly statement. Making your full Blueprint Payment will satisfy your required Minimum Payment. If you do not pay enough to satisfy your Blueprint Payment by Its due date, interest on the unpaid Full Pay Balance will be charged. This interest will start on theist day of the billing cycle in which you did not make your payment. As long as you make your regular required Minimum Payment by its due date, not making your Blueprint Payment will not put your Account in default. Interest Charges are not calculated on your Full Pay Balance as long as you are active in the Blueprint plan and pay your Bfueprnt Payment in full by your payment due date. If you do not pay your full Blueprint Payment by your payment due date for 3 months in a row, we may remove the Plan from your Account. Also, if you ask us to, we will remove the Plan from your Account. If your Account is in default for any of the reasons stated in this Agreement, we may remove the Plan from your Account. If a Plan is removed from your Account, the unpaid Full Pay Balance will be treated the same as Purchases. We will apply the Purchase APR interest rate on the unpaid full Pay Balance beginning the 1 st day of the cycle in which the Plan was removed. Generally, we will credit payments over the required Minimum Payment for your Account to balances with the highest rates first. We will then credit lower rate balances in descending order of the value of those rates. This may affect the amount of any payment to be applied to Full Pay Balance(s). Copyright ©2009 JPMorgan Chase & Co. All rights reserved. Page 5 of 5 ADV10606 b 5R:2 leg M = : *y a 54 .gg Ci n??D $ ? ? 3 aZ :3b u 3 ..E ??? ? `6_?? ?=°e S E E^^? ???¦¦ ?''.E Q i At sm 5 E3 a a 5 -° _? m my .'sO-amQBeo ? N -Z 9 3! T Et -as °3,_ r• 4 92m m`?mzn r'c eo:rC°`w ??a= a ¢ 3 a q g r p eao2? ? ay EQa q o£a SosA rt? 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H you have questions about it, please contact us at the number on the back of your card. Summary of Changes: • In calculating finance charges, the date when transactions are added to your daily balances and begin to accrue periodic finance charges will be as early as the transaction date The change described in this notice will apply to your account automatically. If you were previously notified of the change described in this notice and it is already in effect on your account it will continue to apply.'An y other terms on your account not described in this notice also continue to apply. Again, please read the enclosed information, and keep this notice for your records. AMENDMENTS TO YOUR AGREEMENT Please note that some terms in you agreement or any amendment may appear with;initial capital letters or all lower case letters. Such terms have the same meaning. For example, 'Account" means the same as 'account". If you Have any questions about these amendments: please co call us at the number on the back of your card. The foNowing changes will apply automatically: FINANCE CHARGE CALCULATION. The 'Periodic Finance Charge CalcuIlafion' or 'Finance Charge Calculation' section of your Agreement is amended to replace; in the portion that explains how we calculate the daily balance for. each transaction category or feature, the sentence(s) that describes when new transactions are added to the daily balances and begin to accrue finance charges, The revised terms are as follows: We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, ora later, date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance.check or balance transfer check is deposited by a payee, or a later date of our choice. GRACE PERIOD. The %r'ace Period' or'Grarm.Period and Accrual of Finance Charges °seetion of your Agreement is amended to replace the seriteince that describes when periodic fhnance'charges begin to accrue on tnsactions,11ses and other finances charges. The revised sentence is as, foAOVu$: We accrue penodic!finance charges on a transaction, fee, or finance chuarge fibm the data it is added to your daily balance until payment in full is received on your account INS-t21105 ADVZ931 11/06 ADV2931.gxp Segment: Portfolio Campaign: 1106-Portfolio Cell #: NIA WR #: 86137 Partner: November Reprice_STI Creative-Pkg. Fee Standardization Mail Date: N/A User Name: mktft Previous User: mktOBw Current Time. 10/2/06 -12:27 NA Last Saved: 10/2106 =12:26 PM Document SIR: 35'x 6.875' F0WS:.9 HeWet Bold, WW UM, Zurich BdCn BT, Zurich' Cn BT COLORS: Black, FPO Tech Notes N TE 0 O . I L O ? X O oia.i I N ;L o N (Y) Ip p CD W V/ CV a_ cm cc fn c ~ c . Oi cu I w co w I C3 C-3 CL I i y •O L V? ECC L 'Q (D co ?LL. 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E m o m 1-6 yWt w w- a ° N a-8 u E `.m cc°Y lzvv aar mm E•? a m m i IADV2227L.ps 11/24/04 7:5 Page 1 RATES AND FEES TABLE (This table may also be referred to as the Pricing Schedule) IMPORTANT: KEEP THIS RATES AND FEES TABLE WITH THE OTHER PART OF YOUR CARDMEMBER AGREEMENT THAT IS ENCLOSED. Rates Wits below are Anneal Perc Hales) ,s 1 7iT?' tx' All other interest rates (APRs and the corresponding periodic rates) on your account under your existing Cardmember agreement remain in affect and are made part of this Agreement by reference. Promotional and introductory APRs (including for promotional and introductory purchases, balance transfers and cash advances) remain in effect under the terms of the promotion(s). Standard APRs may also be referred to as Preferred Rates. The interest rates for balance transfers apply to balance transfers and balance transfer checks, and the interest rates for cash advances apply to cash advances and cash advance checks. 'Estimated variable APRs above are based on the 4.75% Prime Rate on Fees and Finance Cltsrges f f } r 1 ? ? 89? ?? nFaxrmu7+? ? A -Mel" Annual Membership Fee If an annual membership fee is part of your existing Cardmember agreement, the fee amount remains the same and is made part of this Agreement by reference. t f 4 iY rr fee y. , t 66 Adtrwmist ative Fees: Copy Fee $5.00 per copy; $10.00 per original sales slip. Card Replacement fee $10.00 Expedited Payment Fee $14.95 12/04 ADV2227 ADV2227 Portfolio 1204 Portfolio Cell #: ? Creative Pkg:Chase-Dec Mail Date':? Last Edit Time: 11/24/04;7:56:23 PM Current 75me: 11/24/04; 7:56:26 PM User name: sysman2* Page width: 3.500 in Page height: 8.50 in Fonts!LurichBT-BoldCondensed ZurichBT-RomanCondensed ZurichBT-IWicCondensed Colors on this page/spread: Black Important: Colors will not be listed accurately if images are missing. Images: L u - al y ? e p U a is t t4z?R $ $ F Q a L $ i 3lm r 'O A v S a i a R ^ $ A w y L X u I N N „" n `° O O V .4 _Cj gas ? 8 N ? liptL it ? f Y gi S[H € al l Ha ?;i $? i R011 I ift] 's l ,# I a I 6 ? s' a as A f w P+ s f.?;, n ! s? a fit s i June, 2004 CCS10616 CHANGE IN TERMS NOTICE We would like to explain certain changes in the terms of your Catdmember Agreement ("Agreement"): Some of the terms in this Notice may alndy be in effedl a your Account. The changes described below willuke effect for billing cycles ending August 1, 2004 and thereafter. The changes will apply for all applicable existing and future balances on your Account. Please read below about your fight to choose riot to accept certain changes described in this Notice. The fob clhaop will apply aotoma"y to your Account. Expedited Payment Fee. The ExpeW Payment Fee described in your Apeditem will: be changed to 514.95. This fee may be charged for each paymext that we make-on -your behalf. De Ws* eba" will apply to your Aaomot unless you choose not to accept them as deseribed`later in this Notice. • Regular Preferred inter d rate for Advancts. The regular Preferred interest rate for Advances will be-changed to equal a variable rate of the Prime Rate Index plus 15;9946; Vnti a minimum rate of a nominal ANNUAL PERCENTAGE RATE of 19.990 (daily periodic rate of 05477%). The Variable Rate section of your Agreement applies to this rate. The Prime Rate index is the bighes Prime Rate published in the "Money Rates" table of The Wall Street Journal on the last business day of each calendar month. The new regular Preferred rate for'Advances may vary based on changes in the Prime Rate'lndex, subject to tic minimum rate. Based on the current Prime'Rate Index; we estimate that as of the effective date of this;ehange'your new regularPreferred rate for Advances will be the' miffmurn rate4l9.99 :APR). • Regular Preferred inteeest rate forAdvaticees to chaogcd for certain K=RtL if yourcutreut regtk Preferred interest rate for Advances. is a variable rate that is higher thaih the Prime R& Index plus 15.99%,ot if it is a fixed rate that is higher iban 19.E ANNUAL PERCENTAGE RA'Z'E, then the new regular. Prokrred 'mtereest rate for Advan es will not, applylo your Acxou nt;and your chrrreent regthlar Preferred interest rate fa:Advances will remainin etfetn. • Non:Preferred interest. 'rate. The. Non-prefwed interest rate on your Account will be changed to equal a variable rate of up to the sum of the Prime Rate Index (described above) and 21.99%. The Non-Preferred rate applies to all balances on your Account 003334 when it is not in good standing under the conditions described in the "Preferred Customer Pricing Eligibility" section of your Agreement. The Variable Rate section of. Agreement applies to the Non-Preferred rate, and the rate may vary based on changes in the Prime Rate Index. -Based on the current Prince Rate Index,' we estimate that as of the effective date of this change your new Non-Preferred rate will be a nominal ANNUAL PERCENTAGE RATE of 25.99% (daily periodic rate of .07121%). Special Rates. The portion of the "Special Rates" section of your Agreement that describes how.youmay lose a special interest rate or a regular interest rate is revised and will be as follows: "Any special rate offered to you may change to your regular Preferred Pricing rate if you fail to make any required minimum payment on your Account by the Payment Due Date or if your Account is closed for any, reason. Any special rate. offered to you or any regular Preferred Pricing :rate may change to your Non-Preferred ratrif you fail;to meet the conditions of the "Preferred Customer Pricing tilgibility" section of this Agreement." The remainder of this section is unchanged., Balance 'fyattsfer Fee. The Balance Transfer Tiansaction Fee described in your Agreement for any balance transfer offer we make to you will' be changed to be a maximum of $75. This Fee may be reduced or waived in our sole discretionin any offer we make to you. your credit fine, will be changed as follows. First, this Fee may apply if your Account balance is over your credit fine at any time during a billing cycle.. Second, this: Fee.will be changed to be $35 regardless of whether Preferred or Non-Preferred interest rates (described in the "Preferred Customer Pricing Eligibility" section of your Agreement) are in effect on your Account. The "Overlimit Fee" section of your Agreetnem will be revised to read as follows: Overlimit Fee. If your Account balance (including any Finance Charges and any fees and charges owed on your Account) is over your credit line at any time during a billing cycle,: you will be charged an Ovedimit Fee of $35. This fee will be imposed only once during the billing cycle, but will be imposed in each biliingcycle that you are over your credit line even if we authorize the transaction that causes your credit line to be exceeded. If the Overfimit Fee is currently not included in your Agreement terms, it is not applicable to your Account and the change in the thedimit Fee described above will not apply to your Account. Your rW6 regarding the changes you ca droose not to accept. The changes; described above in this Notice which you can choose not to accept will not l eecome effective if you send us a written letter statiog that you dtoose not to accept them, in which case your Account will be.closed ?to further use (if it is not already closed). Late Payment Fee. The Late:Payment Fee described in your We must receive this -letter no later than July:/.), 2UU4. 111 your Agreement will be changed as follows. The LatePayment, Fee will totter please inchtde your name, address, account number and a be determined based on the Previous Balance on your monthly statement that you do not wan! those changes to apply to your Account. Your letter mast be trailed to aim Manhattan Bak statement that shows the Late Payment Fee. That Previous Balance USA, N.A., P .O. Box 15193. Wdhtinglou, DE 19$50.5193. If your is the closing balance of your prior monthly statemmi for which we lever is receiyed by July 25,203hose changes will not apply to did not receive timely payment. The Late PaymentFee will also be determined based on whether or not a Non-Preferred interest rate is y Account and you mast pay off any outstanding balances on in effect on your monthly statemem Ile Late Payment Fee will: be: your Account under your applicable Account terms. Previous Batarice Late Fee up to $250.10 ................ $15 $250.01 or greater ...... ................`$35 Non-Preferred rate in effect ............... : $35 This fee is owed if we do not receive the retprired minimurn payment, in accordance with our payment instructions,' by the Payment Due Date and the time of day shown on yourmotuhly statement. Overfimit Fee. The Overlimit Fee' described in your Agreement, which applies if your total Account balance is over Please retain this Notice for your records. Copyright @ 2004 J:l?Morgan Chase & Co. All Rights Reserved. 003335 ACCOUNT NUMBER: 5490 9120 4913 9332 PAYMENT DUE DATE NEW BALANCE MINIMUM DUE 07/23r2005 ( S 11.268.29 5225.00 Facsli*mi*le USA M MCLAIN -0 134 CENTER ST CARLISLE PA 17013-1750 Copy n CHASE Chao CashBulyder Plats m® MamerCardO ACCOUNT NUMBER: 5190 4129 4913 9332 NEW PAYMENT TOTAL TOTAL STATEMENT F BALANCE DUE DATE CREDIT LINE AVAILABLE CREDIT CLOSING DATE $11.288.29 07!23!1005 512,100 Sol OBQ8/2085 ue.e ? v.va.. e, ?rvhaana ?llee\hIAHrY_ TOTAL Previous Balance $000 (-) Payments. Credits 44706 (a) Purchases, Cash. Debts 11,67718 (?) FINANCE CHARGES 38.17 (?) New Balance 11.268,29 Minimum Payment Due sm.001 aims l.acuau MI I 06 0&13 0&13 06/1 /5 106715 I SXFRL KK105 I PA MENT THANK YOUBIT LDIIRL/1RDS 698 250 9B 531 Total of your Credits and charges 44706 11.677 DUE TO IMPROVEMENTS BEING MADE TO OUR ELECTRONIC PAYMENT SERVICE. WE WILL NOT BEABLE TO PROCESS EPAYS FROM WED. JULY 20TH AT 4.0D P.M UNTIL MON JULY 25TH AT 8:00 A. M EASTERN TIME. WE THANK YOU FOR YOUR PATIENCE AND APOLOGIZE FOR ANY INCONVENIENCE THIS MAY CAUSE OPENING BALANCE EARNED BONUSES NEW TOTAL NOMINAL AVERAGE PERIODICIMIN TOTAL ANNUAL ANNUAL DAILY DAILY FINANCE FINANCE PERCENTAGE PERCENTAGE PERIODIC RATE BALANCE CHARGE CHARGE RATE RATE Cash 0.06025 $). =111111 $1100 21 0- Purchases 0.03011 $51. 5.51 5.51 10 10. msferred Balances 0.00546% 1,827 t M S3. $3.2 1 1. Transferred Balances 001094% U. . s3cm SSU30 3 & Here's how we determined oar Pieamce e: Da 5 _Cyde:33 Please gee reverse ehae for 081arhce cornplaesm manna ana caner tempo u ra Inv aaon OAmstions about your account? Credit Card lost or toolen? Call Chase Cularnsr service 24 hours a Day 7 days a week, tdl-tee al 1-800-577- 0636 or wnte P O BOX 15650 VWrmnpton. DE 19886-5660. Para Servwo W Clients on EspMld 14100-545-0464 Page I of 1 8364508 16 of 16 Statel'Slef. . for aocounil number: 5090 9120 4913 9332 New Balance Payment Due Date Past Due Amours Minimum Payment CHASE O $1112614 08122M $0.00 $22200 Malley arr Meek t?yeble to Chose Card 9eMeez Amount Enclosed C?Nm address orrmarr Print on bock. 549091204913933200022200011326140000004 3 '901Z209M0 LISA M MCWN 134 CENTER ST CARDMEMBER SERVICE CARLISLE PA 17013-1750 PO BOX 15153 WILMINGTON DE 19886-5153 &:5000160281: L.9520491.393324oe Sialement Dal: OWOM5 - 07/26/05 CUSTOMER SERVICE ASE O gals, PA rn P 2200 CH Due imu ay Espi6ol ;$98446-3308 TDO 1$W-055-8060 Outside u.S call collect 1-307.-597-0200 MASTERCARD ACCOUNT SUMMARY Account Nu am 5490 9/20 4913 5332 ACCOUNT INQUIRIES P O Box 15298 Previous Balance, $11,268.29 Total Credit Line $12,100 Wilmngton. DE 19650-5298 Payment. Credits -$225.00 Available Credit $973 Purchases, Cash. Debits .$7790 Cash Amess Lino $4-840 PAYMENT ADDRESS Finance Charges .$35.05 Availeble for Cash $973 P O Box 15153 New Balance 11,12614 1Ndmngton, DE 198116-5153 VISIT US AT WWw chose mrNcrediirards I_ASMRUn nr-R REWARDS PLAN ACTI VITY For Casli bider Previous rewards balance $a00 Customer Service Cal l-9oG-"52000 Rewards earned on purchases $0.12 Boma rewards earned on purchases $012 Rewards owned the year $0.24 Remaining rewards balance 50.24 Remanber will Chase CashBulder you can earn up to 2% on your Chase credit cad purchases TRANSACTIONS Trans Amount Dale Reference MatDer MerdsM Nane or Transaction Description Credit Debt 07114 55432665195000636222916 TW)rAOL SERVICE 0105 800-627-6364 VA 780 07121 12022020403576161573323 PAYMENT-THANK YOU 225. DO FINANCE CHARGES Daly Periodic Role Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 30 days in cycle APR To Periodic Rae Fee CHARGES Purchases V 03090% 1124% $123.64 $115 $0.00 $115 Cash advances V 06094% 22.24% $0.00 $100 $0.00 $0.00 Promotions 01094% 3.99% $8,868 50 $2910 $0.00 $29 16 Promotions 01091% 3.99% $64271 $211 $0.00 $211 Promotions 00546% 199% $1,592.90 $261 $0.00 $261 Total trance charges $350S Ellective Annual Percentage Rob (APR): 173% Please see reverse side for balance computation method, grace period, and other nlporlanl hnformalion The Corresponding APR is the rate of imeresl you pay what you carry a bell "on any transactim category The Elteclve APR represents your lolel tinence charges - including transaction tees such as cash advance and balance trarsler tees - expressed as a percentage IMPORTANT NEWS Etlec rve July 1, electronic payment (Epay) requests received prior to 4 PM Eastern Tme on a business day will post to your account the same day Epay requests received 836450&. alter 4 PM or on a vraekend or federal holiday will poll to your accoud the next business day This Statement Is a Facsimile - Not an original X000=1 F611196D5 000 N L 28 M07129 Pay.1 d3 05618 W W 38311 20e1000D05000eW41 Of 12 of 16 Statement for accouA number: 5480 9120 4913 9332 New Balance Payment Due Date Past Due Amount Minimum Payment $11.480.19 09120rD5 $0.00 $22900 Make ywr dieek payable to Ctwae Card 9erwleel Amount Enclosed New address a e-nwr Print on back. CHASE 0 PatymentP tint coorN?n 1 r &d gnd the endose0 otter end mey cereal erry time. -10 -' 549091204913933200022900011480195047391 a67a0 9Or Z 9 D LISA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 I....... 11.1.1...11..1.I...II..I1..1 1:5000 L60 281: 1.952016913933216e CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1988615153 Smtemenl Dale. 07/29105 - OV21V05 CUSTOMER SERVICE CHASE 0 Payment Due Dale 09120'05 In U.S 1800-945-2000 Minimum Payment Due $22e_oo EspaMl 1 8 89 446-3 30 8 TDD 1800-0558060 Outside U.S call Collect 1-302-594-620D MASTERCARD ACCOUNT SUMMARY ACO MH Nu nuns 5490 91204913 9332 ACCOUNT INQUIRIES Previous Balance $11 126.14 Total Credit Line $12.100 P O Box 15298 Wlminglon, DE 19650-5298 Payment, Credits -$300.00 Available Credit $619 Pwchases, Cash. Debts +5602.37 Cash Access Line $4.840 PAYMENT ADDRESS Finance Charges +$51.68 Available for Cash $619 P O Box 15153 New Balance 11,480 19 Wilmington, DE 19806-5153 VISIT US AT- www clam corrvcredtcards rwcuatln nFR RI-1s/ARDS WAN ACTI VRY For CashBudder Promous rewards balance $0.24 Customer Service Cal 1-900-945-2000 Rewards earned on purchases $0.06 Bonus rewards earned on purchases $0.06 Rewards earned this year $0.36 Remaining rewards balance $0.36 PmTwnbw wish Chase Cas118uilder you can earn up 10 2% on your Close credit card purchases. TRANSACTIONS Trans Amount Date Reference Number Merriam Name or Transaction Description Credit Debit 08/14 55432865226000124860616 TWX'AOLSERVICE 0905800-827-6364 NY 3.90 Om19 ., 2721634W 750DO05 PAYMENT-THANK YOU 300.00 TK 22320039o82900003e410e6 BALANCE TRANSFER 578.47 08121 22320039082900003841066 TRANSACTION FINANCE CHARGE 17.35 FINANCE CHARGES Daily Pariodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 29 days in cycle APR To Periodic Rate Fee CHARGES Purchases V 03148% 11.49% $15958 $146 $0,00 $1 A6 Cash advances V 06162% 22,49% $0.00 $0.00 $0.00 $0 00 Convenience check V 03148% 1149% $D.00 $0 00 $1735 $17.35 Promotions .01094% 3.99% $8.08576 $26 19 $0.00 $28 19 Promotions 01094% 199% $542.51 $2.04 $0.00 $204 Promotions 00546% 1.99% $1,381.60 $219 $0.00 $219 Promotioro 01094% 3.99% $13968 $045 $0.00 $045 Total tinance charges $5168 Elkmil"Annual PeraaMage Rate (A PR): 11.49% Please see reverse aide la balance computation metiod. grace period. and other enportam information. The Corespondirg APR is the rate of merest you pay when you carry a balance on any transaction category The Eltective APR represents your total hence chagea- i ncl W ing transaction Mee such as cash advance and Oelarnce trarstar tees - expressed as a percentage mportarn privacy notice! By special arrangement you can protect the personal dais stored in your home computer 83608 orlh corporatsgrade online security sotware worth $130 Pita. you'll receive a $1,500.00 PC replacement guarantee Log on for details. www.CardrenlberAdvamage. cornIFREEtr®1 This Statement Is a Facsimne - Not an original Rooooo0l F530.4.45D10 000 N z 28 OSxBrlB P.a.1a1 05M ImM Deno Sdereomlroroaa2WOn 10 Of 16 Staterent for account nulnbetr 54M 9120 4913 9332 New Balance Payrnenl Due Date Past Due Amount Minimum Payment $11.29214 10121/05 $0.00 $225.00 Make your chalk pey.klc 19 Chase Card S -1- Amount Enclosed New address a 9-mail? Pint art beck. 54409120491393320D022500011292145054869 ,1 1701) Zm966D LISA M MCLMN 487 HGHLAND CT CARLISLE PA 17013-3935 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000160 281: 495 204913933 2411' 8364508 Stalemenl Date'. 08/27105 -0&26/05 CUSTOMER SERVICE O eM M r a $?S00 CHASE Due 1 i ;n Egpa?l ;$OC?=3308 TDD 1-800-955-0060 Outside U S tall coiled 1-302394-8200 MASTERCARD ACCOUNT SUMMARY Aceant Number 5490 91204913 9332 ACCOUNT INQUIRIES Previous Balance $11.480.19 Total Credit Line P O. Box 15298 E72, 100 Wiilmrglon DE 19850-5298 Payment, Credits -$250.00 Available Credit , $807 Purchases, Cash. Dabils .$2390 Cash Access Line $4.840 PAYMENT ADDRESS Finance Charges +$38.05 Available for Cash $807 P O Box 15153 New Balance 11292 14 Wdminglon, DE 19886-5153 VISIT US AT www mesa cerNCredittarls f ACNRLM nF:R REWARDS P1 AN ACTI VITY For CashEluYder Previous rewards balance $0.36 Customer Service Cal 1-800-945-2000 Rewards earned on purchases $0.06 Bonus rewards earned on purchases $0.06 Rewards earned this yew $0.48 Remaining rewards balance $048 Rernember will Chase CeshOudder, you can earn up to 2% on your Chose credit card purchases. TRANSACTIONS Trolls Amount Date Relevance Number Merchant Name or Transaction Desaiplon Geri) Debit 09/14 55432865257000630262697 TWX'AOL SERVICE 0905 800-827-6364 NV 3.90 09119 12622622722357350700008 PAYMENT-THANK YOU 250.00 FINANCE CHARGES Deily Periodic Rate Corresponding Average Dusty Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V 03217% 1174% $18444 $1.84 $0.00 $1.84 Cash advances V 06231% 2274% $0.00 $0.00 $0.00 $0.00 Promotions 01094% 3.99% $8,88649 W014 $0.00 $3014 Promotions 01094% 3.99% $642.57 $218 1;0.00 $218 Promotions 00546% 1.99% $1132.61 $1.92 $0.00 $192 Promolions 01094% 3.99% $57976 $197 $0.00 $1.97 Total finance charges $38.05 Elleclivs Annual Percentage RIM (APR): 3.99% Please see reverse side ter balance computation method, grece period, and other impoment intormalon. The Corresponding APR is the refs of tntereat you pay when you carry a balance on any transaction category The Etlectve APR represents your total knsrce charges - including transaction tees such as cash advance and balance transter tees - expressed as a percentage IMPORTANT NEWS Claim your Cardrnember Thank You before November 10. 20051 For Being a valued Cardnlerrlber, weVe arranged for you to receive uplo $700.00 worth o1 your favorite magazines. Cal by 11/1010510 guarantee your selections. You must cal by the dale shown tr detals and choices. 1-800-586-7083. Surt Saner wilh ErMLnk HS or Dial Call 1-800-327-8454 CHASE 0 Payment Pin ins roWo, Plan I undrstend the enclosed otter and may cancel any tune. -111INWIl-- I...III.I..1..1.1..1..11...1.1.... 11.1.1...11..1.6..1I.JI1.1 This Statement Is a Facsimile - Not an original X DD06oDi F633335D7 0D0 N Z 26 05M" PMe1 d3 65666 MAIM 16317 2091040070004"701 6of16 Statement Tor accoull raarnber 5490 9120 4913 9332 New Balance Payment Due Date Past Due Amount Minimum Payment $11193 02 11120105 $1.00 $223.00 IAkeyoor dceek payable to Chao Cu'd Servhxra. Amount Enclosed IS I Now address a e-mair Print onbeck- CHASE O Pa oymeni Prrotta oor Plan or and r=terd the enclosed ovI undes cenoet any Urine. -11111raw--per. 549091204913933200022300011193025078615 5661111 e Z 21167 D LISA M MC W N 487 HGHLAND CT CARLISLE PA 1 7013-39 35 I,..I11.1„I..I.I., I.rll.,.l.l....11.1.1...11..1.1...11..11..1 1:5000 660 281: 11.9520L.91,39332411" CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Statement Date: 0627105-10126105 CUSTOMER SERVICE oe Pa ' CHASEO Due yr Mi i ilum 3'00 Earl ;-8?:?-33011 TDD 1-800-055-6060 Outside U.S call cogeet 1-302-694-0200 MASTERCARD ACCOUNT SUMMARY Account Number. 5490 91204913 9032 ACCOUNT INQUIRIES Previous $71,292.14 Total Credit Line P O Box 15298 $12,10 Wilmington, DE 19850-5298 Payment, Credits -5225.00 Available Credit E906 6 Purchases. Cash. Debts +588.86 Cash Access Un9 $4.640 PAYMENT ADDRESS Finance Charges «537.02 Available for Cash $906 P O Box 15153 New Balance 11,193 02 Wilmington- DE 10886-5153 Vic= US AT- www dnag coni creAtt2rds CAS14B u nFR REWARDS PI AN ACTI VITY For CashBuilder Previous rewards balm $0-48 CUSIOMW Service Cal 14000-(MS2000 Rewards earned on pure hews $0.23 Soma rewards earned on purchases 50.23 Rewards earned this year $0.94 Remaining rewards balance $094 Remember with Chess Cash9uilder, you can eem uplo 2% on your Chem credit card purchases. TRANSACTIONS Train Amount Date Reference Number Merchant Name or Transection Deecnplon Cretin Debit 10114 55432865287000112665526 TWX*AOL SERVICE 1005000-827-6364 NY $2390 10115 55436875289122883273588 THE SHOE DEPT 0869 CRANSTON RI 64 96 10121 12942942723070390900007 PAYMENT-THANK YOU 225.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 30 days in cycle APR To Periodic Role 1799 CHARGES Purchases V 03217% 1174% $236.64 $229 50.00 $229 Cash advances V 06231% 22.74% $0.00 $0.00 $0.00 $0.00 Promotions .01094% 3.99% $8,88910 $2918 $0.00 $2918 Promotions .01094% 3.99% $642.76 $211 50.00 $211 Promoliorn 00546% 1.99% $93366 $1.53 Saw 51.53 Promotion 01094% 3.99% $58096 $1.91 $0.00 $1 91 Total finance charges $37.02 Elective Annual Percentage Rate (APR): 3.93% Please we reverse side for balance compufalion method, gram period. and other mporlard imermelon. The Corresponding APR is the rale of imeree you pay when you carry a balance on any ve,sacioh category The Eneclve APR represents your total 9rance charges - including transaction lees such as cash advance and balance transfer tees - expressed as a pace cage IMPORTANT NEWS URGENT This month, valued Cardmembers have been issued a Thank You worth up to 5100 emitting you to a 1Cl year of three magazines. Theyre already been reserved for you. 8364508 TIOnnnkk Quantities we ?p to $ 00 nd;a d; 2,ai? a043-3511 This Statement Is a Facsimile - Not an origkul 2W1a6a607otIV 5be6er Rooooobt F63333SD7 0110 N Z 26 050111t26 P.O., w3 650116 W W556" 2of16 Statement Im accourd numb..: sat 68301480 00111 New Balance Payment Due Dale Pest Due Amount Minimum Psymilm $11.005.46 12.921.95 $0.00 $22000 -?epl.your d,.ck Peyebl.to Ch.- Card 9e.vieee Amount Enclosed 'S ' N.w edeves a o?n.iY! Poia m b.dc. 540168301490091100022000011005455098079 L.dIIr.,IIL..,,d1..16 nI1.66r..11o666dr6o6d1,1 4428 am z 3om60 USA M MCLAIN 487 HKWR W0 CT CARLISLE PA 17013-3935 CHASE O Payment P?Ge41 anad -7f1898-UN, 1...111.1..1..1.6,1.,11...1.1....11.1 A. w q..l.l..,ll..11..1 CAROMEMBER SERVICE PO BOX IS153 WILMINGTON DE 18886-5153 8364508 e: 5000 L60 281: 209 30 L49009 L L9a' SIBunm t DEW. 142705 - 1Ire-M Cl19TOMER SERVICE CHASED Payment lienernufn PB tenant Due '$2zo.0000 "F-sF? 1889446-33300 TDD 18W8568060 Cutaida U 3. Call COMBO 1-302394-0200 CWI9rINBUIlVES C MASTERCARD ACCOUNT SUMMARY Account Number: 5401 500 1490 0111 Previous Baler $11.193.02 Tole! Credit Line D P $12.100 Wliningtoft DE 19950-5298 094 $1 Payment. Credits 4250.00 Debits +523.90 Cash Purdkues Available Credit Cash Access Unit . $4.840 PAYMENT ADDRESS . . Finance Charges 538.53 Available for Cash $1,094 P.O. Box 15153 N4lnmgtom DE 1989631S3 11,005.45 New Balance VISIT US AT: s2mbnomm 8 Item was transWred tom lost 1 stolen account. AM A[_7-I For Cesh&Wder VT1Y n ncY.?nr1C p _ $0.94 Customer Service Cal 14MO-945-2000 Previous rewards balance 50.06 Rewards earned on pur&aar 06 $0 Bonus rewards earned on purchases . $1.05 Rewards earned Shia year $1.06 Remaining rewards balance Remember with Char Cash"dar, you Con item up to 2% on VOW Chase Credit cord pun:haaea. Trans cram Debra Date Refercros Number Mardian Name or Transaction pescnption 3.90 11114 5S4326653/80OW76546978 t ADL SERVICE I m atio-0278364 NY 25000 11114 131831527236571461000045PAYN NT-THANKYOU FlNANCECHARGES Daily Periodic Raw Corresponding Avara9e Daily Balance Finches Charge Due Transaction Fr FINANCE CHARGES Category 31 days m cycle APR To Peno6C Rive Purchases, V 03295% 11 B9% $301.82 $3.08 00 $0 50.00 00 50 $300 SD 00 Cash advara V .06298% 22.99% WOO 00 $0 . $0.00 . 80.00 m.0o Conveniace dieak V .03205% 11.99% . 88251 $9 53013 50.00 $30.13 Promotions 01094% 3.98% 398% . $642.29 $2.18 $000 $2.18 Promotions d1D94% 00546% 1 88% $691.71 57.17 $0.00 $1.17 Promotions Promotions 01094% . 3.98% $68DS3 51.97 $0.00 $1.97 $38 53 Total firarce charges E11ea- Armual Percentage Raft (APR)-. 4.16% Please we reverse side ter balance computation mefad, grace period. and other mportant irdormaim. The Coneepondkhp APR is the rare of irilareal you pay when you carry s balance an cry yrnsacion caegmy. The Effective APR represents your WtatfBance dhargea- including trertsaolon lass such as cash adw"ce and balance transfer fear - expressed as a percentage. IMPORTANT NEWS There is -81 sme to cam an addiioral 1 %on eligible raster ram. gar eta sM grocery at" and drug abase pvC haeai through 12011W SOme atCueOne OWY. Cal us or visit us ar www.daBalovitthedoutle.oom D lean more. This Statement Is a Facsimile - Not an original X 1000002 Frsavaso. 000 N z 20 05AI 20 rget d3 Deer Im- Man 3W1Obew000"26,0f 141 Statement for account rnanber: 6401 an 7490 0917 New Balance Peymeril Due Dale Pall Dua Anarnl Minimum Payment $10,817.62 =20106 $0.00 $216.00 Mha.eyarr eMdk PayebM to Chase Card So v oea Amount Enclosed IL I Nwe.dtressas.wt? Print mback CHASE O Paynrwn?t ProYtld Ran. I nrndastaq lheceeiuctoesd otter end may ter rlY frme. 540168301490091100021600010817625116560 29306 sex P 30005 D USA M MCLAIN 4a7 "OHLAND CT CARLISLE PA 17013-3935 1...1111..1..1.6.I..II...I.1....II.IJ...11..I.I...BAIA 1...111-111...... ll.. U. ALIA.... 1:5000 L60 281: 209 30 1,49009 L 1,91r CARDMEMBER SERVICE PO BOX 15153 M LMINGTONDE 19886-5153 Sarrrwn Daa. 11/27/05. 12126/05 CUSTOMER SERVICE Do* n P s P °$ CHASED yme m Due: Minvitu e 21 EsppaW ;-04W44 -3308 TDD I-eW-9552060 Outside U.S. call cda1.1 1-3023942200 MASTERCARD ACCOUNT SUMMARY Account Number: Sam MO 1490 0911 ACCOUNTINCUIRIES P.O. Box Balance $11.005.45 Total Credit Line n DE $12 .too VWrarglorn OE 19950.529e Payment. Credits 3225.90 Available Credit . $1.282 Finance Charges xS37.17 Cash Access Una $4.840 PAYMENT ADDRESS New Balance 510,617.82 Available for Cash $1.282 P.O. Box 15153 Mrdn.ngton. DE 19866-5153 VISIT US AT: www dfass.mrntredlcerffi r ASHR[ju nFR RFWARn%PI AN ACT IVITY For CashBUYder Previous rewards balance $1.06 Customer Service Cal 1-aW"5-2000 Revards earned on purchases $0.00 Rewards owned this yew $1.06 Rewards redeaned /his stwternsm $1.06 Rarrnng rewards balance $0.00 Congratulations' You ha6 receive your Co"u tMer rebels cteclt info mad soon. Renharnber, your Cmh&W r abstsa odd up teal than you use your Chase ovdn card for ell your purchases -- everywhere your Chat* credit card is accepted. You can earn up to 2% on purchases. TRANSACTIONS Trans Amount Date Relratce Nurnber Merchant Name or Transaction Descdpton Credit Debit 12/13 13 .3472724372469100004 5 00 FINANCE CHARGES Daly Periodic Roe Corresponding Average Deily Bartce Finance Charge Due Tr.tsectim FINANCE Category 30 days in cycle APR To Periodic Rae Fee CHARGES Purchases V .03354% 1224% $318.97 $3.21 $3A0 $3.21 Cash advances V 06368% 23.24% $000 $0.00 $0.00 $0.00 Convenience check V 03354% 1224% 81.00 $0.00 $0.00 81.00 Promotions 01094% 3.99% $8,8al 05 $29.15 $3.00 $29.15 Promotion .01094% 3.99% $54217 $2.11 $0.00 $2.11 Promotion .00546% 1.99% $477.99 $0.79 $0.00 $0.79 Promoliorn .01094% 3.99% $50044 $191 $0.00 $1.91 Total finance charges $37.17 Eflecthre Anal Parcenlage Rats (APR): 4.09% Rene see reverse side far balance cornpknation rnetrad, grace period. and oarer pass inlonnalon . Th al Corresponding APR is the ate of imerest you pay when you carry a balance on any transaction category The Effect" APR re resams yourtoal finance cargos -including transaction lees such as cash advance and balance transfer fees - expensed as a percentage. IMPORTANT NEWS Sato sonsasonal season's greetings wilt unforgettable gta from 1-800-FLOWERS.COWMI Cie 15% off your purchase of fresh flowers. gournal gill maasls. gorgeous wrslMhs, 8364508 centerpieces and no 0 when you use prortason cods BMIK43. *For delete please vfat WWW. 1800FUDDWERS.COWD1SCW MER. This Statenvwd Is a Facsimile - Not an original x0000001 Fl933335D9 000 9 Z 2e ken200 Prg.l kr3 mats W.M2an5 300h OOOODO00R60)Oh 32 of 141 Statement for aermull number s*n Is tG i4co Gel i Now Bdanee Payment Due Date P9at Due Amou t M6+mum Psyrnem $10,555.81 02fM6 $0.00 $21100 =d== ye6N to Ch- Card S vi- Amount Enclosed 'E w Pri t m bW. 540168301410041100021100010555815134682 MW tflh 2 02ND D USA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 L..11L..III n„u11..11...U.1.o.II,.LLL.L L,,I,.IL1 CHASE O =0=00 00md Ir ?t enclosed -111991 ...1.1....II,11.41.31..11, Ii.d CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1988/5-5153 1:5000 L60 2131: 20930 1,49009 L L9ae 8364508 Statsmem Data. 12/27-635 -0U26/06 CUSTOMER SERVICE '?° Data Mi CHASE O Due nom $211.00 East ; 08.M -? TOD 1-800-9564MM Outside U.S. call eceaet 1-302-694-SM MASTERCARD ACCOUNT SUMMARY Account wnlber: 5401 66!01410 0911 Accouttr INQUIRIES P.O. Box 15298 Previous Balance $10.817.62 Toth Credit Una s12.100 DE 19850-5296 Wen rgon Payment. Credits -$300.00 Avatede Credit , $1,544 France Charges .$38.19 Cash Access Una $4.640 PAYMENT ADDRESS New Balance $10,555.a, Available br Cash $1,544 P.O. Box 15153 Wdnrglor%DE 19886-5153 VISIT US AT: r ACNRIIH nFR REWARn-q PI AM ACTIVITY For CaehdWder Previous rewards balance $0.00 Customer Service Cal 1-800-945-2000 Rewards earned on papdeees $0.00 Rewards earned this year - $0.00 Remaining rewards balance $0.00 Remernber with Chase Ci ah&itdr. you can Bern up to 2% on your Chase credit card purchases TRANSACTIONS Tram Amours Date Reference Nhrtbar Men3em Name or Tranaacson Descnp>ton Credit Debit 01120 0 2 $11110.00 FlNANCECHARGES Deily Periodic Rate Corresponding Awtrsge Daily Balance Finance Charge Duo Transaction FINANCE Category 31 do" in cycle APR To Periodic Rate Fee CHARGES Purchases V .03364% 1224% $322,25 $3.35 Saw $3.35 Cash advances V .06366% 2324% WOO $0.00 $0.00 $0.00 Convenience check V .03354% 12.24% $D 00 $0.00 $0.00 $000 Prom6Dsns .01094% 3.99% $8.888.14 $30.15 $0.00 $30.15 Prornabora .010941A 3.99% $642.69 $2.16 $0.00 $2.16 Promotions .00546% 1.99% $316.61 $0.54 $0.00 $0.54 Promoliore .01094% 3.99% $560.90 $1.97 $3.00 $1.97 Total Inane charges $3e to Efleeth.e Annual Percentage Rate (APR): 426% Please see reverse aids for balance compinalion rnslod, gram period. and other importan inlarmslion. The Coaeeponding APR is to rate of merest you pry when you cant' a balance on any transaction category- The Elleeive APR rspssanls your I" finance charges -including trarnacI on tam such m cash advance and balance Vanifer leas - sWessed as a percentage. WORTANT NEWS A New Yea's resduton that is easy to keep: Use your CashB ilOSr card to all at your purchases, Earn math back for every purUase you maMe. Racenber, you n.l$ rooms, your cast reward automatically, satin yea. m sit back ace we" your reward add up. TAB Statement Is a Facalmile - Not an origkml x0000001 F63SMOS 000 N 2 20 0001,00 Prp.1 d3 15010 MW 37503 0200®a00S75000r 138 Ot 141 Statement 19r account munber: sm em vigo o91T New Balance Psymem Due Doe Pan Due Armour- Mitmum Payinernl $10,369.60 03r23/06 $0.00 $20700 Anrounl Enclosed ?NN- dd*m..-dR Print-beck. w9ervima 54016830149009110002070DO10369605150229 CHASE0 ayaymnt PN°"tsdoF Flag I uMerstarld the yad? Cal Cr andoe1 otter end n snm®czovoso Ire.III.I..I.d.I..I..II...I.1.......11..11..1 USA M MCLAIN 487 HIGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17013-3935 PO BOX 15153 N%LMINOTON DE 19888.5153 I I I I...III ... ... 11.1.1 .... 11..i.I.I. r1.1...JAM 1:5000 L60 281: 209 30 L49009 L L91' Stelnrlent Dale. 01/27/06-02126/M CUSTOMER SERVICE CHASE O M u e re t 03 nim yr Due n P S207.00 EspoW I-OW448-3308 TOD 1200-0552060 ouleide U S. Cell coaael 1-3023942200 MASTERCARD ACCOUNT SUMMARY Account Ito " : SewaB7a149009t1 ACCOUNTINGUUwES Previous 8alarce $10,555.81 Tolal CreW Line 512.100 P.O. Box 1S200 Valmngton DE 19850.5298 Payment- Credit 3225.00 Available credt . $1.730 Finance Chergas -$38.79 Cash Access Line $4,640 PAYMENT ADDREss New Balance 10,369.60 Available for Cash $1.730 P.O. Box 15153 W.Imnglon. DE 198883153 VISIT US AT: Ce-cJ1R 111 fl R R W BDC eN sCT1Vm For CaNdrader Previous rwwrds balance $0.00 Cualomar Service Cal 1-800-945-2000 Rewards earned on purchases $0.00 Rewards earned Was year $0.00 RemBinig rewards balance, $0.00 Remnlber WM Chase CashBuflder, you ran earn up to 2% on your Chase Credit card Purchase& TRANSACTIONS Trans Amount Dale Reference Mnoer Merchant Name or Tranambon Deseripaon Cre13t Debit 020120 0 OS 2 00009 -THANK PAYMENT .00 FINANCE CHARGES Daily Periodic Rent Coneapondq Average, Daly Balance Finer" Charge Due Transaction FINANCE Calegory 31 days in cycle APR To Penodc Rae Fee CHARGES Purchases V .03422% 1249% 543700 $464 $0.00 $4.84 Cash advances V .08438% 23.49% $0.00 $0.00 $0.00 $0.00 Convenience check V .03422% 12.49% Woo $9.00 $000 $0.00 Promotions .01094% 3.98% $8.845.84 130.00 $0.00 $30.00 Prornotiors .01094% 3.99% $842.74 $2.18 50.00 $2.18 Promotions .01094% 3.99% $58095 $197 $0.00 $1.97 Total tnence charges $18.79 Etlecdve Annual Percentage Rae (APR): 4.43% Please see Irdormeton About Yom Account aft-Von for balance compulaton rnal od. grace penod. and other u nporlad irdormaton. The Coeespondng APR is the rats of interest you pay when you carry a balace on any ransectlen celegory. Th e Effect" APR reprsaenO your tore firsrce charges - Including Varaaeton ism such as cash advance and balance taster lees - expressed as a percentage- IMPORTANT NEWS URGE NT: This month, valued eardman.bera have been sued a Thank You worth up 10 $100 snadinq; you to a ILA year of Vvm magazines. ThW s already bosh reserved for you. Ouannies are IirnNd. so Call by 0401=6 b dean your Thank You of up to $100 and for details. 1-800-882-6318. 3GX Thank you for being a valued Canknander. 8364508 This Statement Is a Facsknile - Not an original X0001001 FOSUM05 000 4 2 20 0a@Qe P.9.1 d3 05M W W S.rex Oeih 000005000!-]D]0. 88 of 141 Statemerd fm .ccou d mmnbw: swi 6m u90 am New Balance Paymem Due Date Pest Dua Arnoum Ww mum PWMSM $10,153.97 04/20N6 $0.00 $20300 Mdr . el..el porratde f. C4as Carol lento. Anaunl Enclosed $ New sddrass or anal? Rvt m Wail.. 54016a301490091100020300010153975169394 3r MIM ZOOM0 USA M MCLAIN 467 HIGHLAND CT ARLSLE PA 17013-3935 L..IIL..IIL.....IL.11...ILLL...IL.LLL.LL..1..11.1 CHASE O oll Pte" P? !spot i?lrm. olla erM may ?oe?? 1...111.1..6.1.6.I..II...I.I....Il.l.l...lir.lhl...l61h.1 CARDMEMBER SERVICE PO BOX 15153 VALONOTON DE 196e,,153 1: 5000 LSO 281: 209301,11.90091,1,90 Stalen.ent Date. 02127106-OW25M CUSTOMER SERVICE CHASE O lpirh4nmrm Paeymaonflo: ra Due. 5?203?00 ?EaU.S. l 14M4463308 TDD 11-m-965-80150 Outride U.S. col coped /3023941200 MASTERCARD ACCOUNT SUMMARY Aomaut teumbr: Sam 6630141100x11 ACCOUNTINOU146ES Previous Balance $10,369.80 Total Credit une $12,100 P.O. Box 16296 WfentrgarM DE 1985032M Payr erht Credits -$250.00 Available Credit $1.946 Finance Charges +$34.37 CashAccess tine $4.640 PAYMENT ADDRESS New Balance $10,153.97 Avefable br Cash $1.946 P.O. Box 15153 Wflrargton, DE 196663153 =rrobled1cmda 8364508 CACMR 1 TM=R RFW R[lS eM eCT1Vf1Y For CaMdNder Previous nomads balance $0.00 Customer Smite CM 1-600.945-2000 Rewards owned on purchases $0.00 Rewards earned flea year $0-00 Remairwg rewards balance $0.00 Roff rnber wM Chase CeahBuilder, you can eam up to 2Y. on your Chase credit card purchases TRANSACTIONS Trans Amours Dale Reference Number Marcertt Nerve or Transaction Descripion Credit Debll 03117 5107SO782726805366300001 PAYMENT -THANK YOU .m FINANCE CHARGES Dolly Periodic Rae Correspimling Average Doy Belivice Finance Chow Due Transsmon FINANCE Category 26 days in cycle APR To Periodic Rae Fee CHARGES PtWelimirs V ,03422% 12.49% $44144 $423 $0.00 $4.23 Cash aWaroas V .06436% 23.49% $01.00 Won $0.00 $01.00 Corworio ce Brock V .03422% 12.49% $000 $0 00 $0.00 So 00 PromOLons .01094% 199% $8,61S.14 $26.39 $o.m $26.39 Pronhosare .01094% 3.89% $642 34 $1.97 $0.00 $1.97 Promotions .01094% 3.99% SSW s6 $1.76 $0.00 $1.76 Tote: fiance charges $34.37 Etlaedre Annual Purromege Rafe (APR): 4.01% Please we Inaonmon Aboul Your Acco nl $soon for balance oompula on rtnethod, grace period, and of her irrpaisa inlorrrelon. Th e Comespond'i g APR to the raft of interest you pay when you carry a balance an any transaction category. The Eftectve APR repreaanau your total *mnce charges - including tiawefon fella such as cash advance and boarce framer lees - expressed as a parcemage. IMPORTANT NEWS Final Cadrtrnber Rewards Nola bolore airy 10, 2006! As a valw0 Cadmalber, you're erhlood b Revmft valued up 10 $170.001 You mist ad qute4y. Oualifes as anltad. So log on now for delols and to cam your rimigayine Rewards valued up b $170.00! www.321maga.corMlewarda This StatemeM Is a Facsimile - Not an origtlal X ONWW Feat 010 000 . Z 20 060110 N9.1 d 3 awn -W arim Om100af ODM75MM 134 of 141 Statemffl t for aceouni number. 5401 00301400 0011 New Balance Payment Due Date Pass Due Amout Minimum Payment $9,941.19 0&21A0 $0.00 $19800 ew ad?dressora Pi eft.: mm back. 9eMeea Amount Enclosed N 540168301490091100019800009941195192578 GoueEhz1lmeo USA M MCWN 487 HIGHLAND CT CARL SLE PA 17013-3935 I... III...III...... lI..11...161d.odl.dJ.6d.6..1..IId CHASE 0 P?syrravit Proledtl' Plan .n.r O srte?y 1. '-09605-- 1...111.1..1.J.I..I..II...1.1.... II.I1AL.1.6..II.JIM CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198863153 4 5000 L60 281: 209 30 049009 L 09te 8364508 Stal nw" Date: 03V2706 - 04('16106 CUSTOIIBER SERVICE CHASE O pawner" D" Oesm M RI 00 I Minanum Payment Due EWSM I- TDD 1-600-255-8060 Pay by phone 14800-436.79M Outside US. can coned 1-3o2-504-11200 MASTERCARD ACCOUNT SUMMARY Aeoaml Nu doer: 54M 60014M 0911 Previous Ban" $10,153.97 Total Credit Line $12,100 AOCCUNTINGUIRIES Box P O Payment. Creche -MOW Avaiede Credo . . $2.158 DE 19850-5298 ton OE yWnli r Finance Charges .$3722 Cash Access Line . g $4,840 New Balance .941.19 Avalabla for Cash $2,158 PAYMENT ADDRESS P.O. Bos 15153 WlImogbrL DE 198863153 =Iffilcridilicards CASHRUILDER REWARDS PLAN ACTIVITY For CashBuildr Prsvisus rewards balance so.00 Customer Service Cal 1.800945.2000 Rewards earned on purchases $0.00 Rewards eamed this year $0.00 Rernalnirg rewards balance $0.00 Remember with Chase CashBuilda, you can own up to 2% an your (Tess credit card purchases TRANSACTIONS Tree Amours Dane Reference Number Merchant Name or Tra section Deaoriplon Credit Debit 04107 10970972727399271OW002 PAYMENT-THANK YOU $250.00 FINANCE CHARGES Deily Pagdic Rae Comeepondlrlp Average Cody Balance Finance Chase Due Transaction FINANCE Category 31 days in cycle APR To Periodic Ras Fee CHARIZE5 Purchases V .03491% 12.74% $445-97 $423 $0.00 $4.83 Cash advances V .06505% 2314% $0.00 $0.00 $0.00 $1.00 Convenience deck V .03491% 12.74% SD00 $0.00 $0.00 $1.00 Promo6are 01094% 3.99% $8.325.70 528.24 $0.00 $28.24 Promosore .01094% 3.99% $64175 $2.18 50.00 $2.18 Promabons .01094% 3.99% $58005 51.97 $000 $197 Total trhence charges $37.22 EtNetiw Annual Percentage Rent (APR): 4A6% Pleaae sea lnfMMlon About Your Account section to beiace cornpufstion method, grace period aid other, irrpoi to itameson. The Corresponding APR is to rate of interest you pay when you carrya balance on any tnaaaon casgay. The Effective APR represems you total finance congas - including varescfon Ises such as cash advence and balance transfer lees - espraswd as a parc er"ge. IMPORTANT NEWS My Was Reserve provides an malde bok at wvFa from around the world. Re®ve $10 ell every order. Lee shtppng and much more sill br W $9.99 parrratnth. Cal 14888-656-5762 to enroll ant receive a line ample pack CPP N.A ollae My Woes Reeave and is not allfttsd with (Tate. This Stafeeno-4 Is a Facsimile - Not an origtfml x 0001)(20 F63UN 07 1)1)0 N z M Ose.O P g.1 d3 m0M W W 64MG 1191 e0000MOD114 " 96 of 141 Statemerd far accotatt rata *w: sat 693 moo Dort New 9atance Payment Due Date Past Due Annum Minimum Psyrned $9,727.00 06r20106 $000 $10400 Mount Enclosed ?Na., Wdvnsda ao.m: R m?brk. 9av'aea 540168301490091100019400009727005205250 CHASE C) Paa?j name tt Pr 1sG6F Pen. otl'ar axl rliay =gm 91171 89( Z 140M 13 I...III.i..I.d.I.el.Ill...i.l...rll.i.l.ell..l.l...ll..ll..l LISA N MCLAIN 487 HIGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17013-3835 PO BOX 15153 WILMINGTON DE 18886.5153 LrrI1Lr1116r.... IL ILA ... 11.1.1.... 4 5000 &60 281: 20930&490091&9a* Statement Date: 04/2716 -ON2616 CUSTOMER SERVICE CHASE O Due u " ° ' e m P ot .Due $ Ee?;,I ?? TDO 1-000.955.8060 Pay by phone 1400-436-79M Outside U.S. emit caNacl MASTERCARD ACCOUNT SUMMARY Acmwrt Nantes: MM 98901490 0911 t 302 594.6200 Previous Batarhce $9,911.10 Credit Line Total ACCOUNT IN "RES $12.100 P O Box 15299 Payment. Credits -5250.00 AVdabb Credit . . $2.373 VAIrra gtorl OE 19850.529111 Francs Charges 435.61 Cash Access line $4.840 New Bdarhce .727.00 Available, for Cash $2.373 PAYMENT ADDRESS P.O. Box 15153 WWnm9Ionh, DE 79086.5153 Vt91T US AT: C SHR R REWARDS AN ACTIVITY For Casheuxdar Previous towards balance $o, 00 Customer Service call t-8o0-94s-am Rowe named on p n:haws $0.00 Retards owned this year $0.00 Rsmining rewards, balance $0.00 Remember with Chaos CashBuilder, you can sam up to 2% on your Chase credit Cord purchases. TRANSACTIONS Trans Amount Dade Reference Number Merchant Name or Transsaaon Deswpeon Credit Debit OU21 11411412728548328000001 PAYMENT-THANK YOU 0.00 FINANCE CHARGES Daily Penode Rob Corresponding Average Oily Balance Finance Charge Due Tr an FINANCE Cmagory 30 drys in cycle APR To Periodic Rate -as CHARGES Purdvses V .03550% 12.89% $45079 $4.82 $0.00 $4.62 Cash advances V.06573% 23.99% $O AO $0.00 $0.00 x.00 COrwelienCe check V .03559% 12.99% $0 AO $0.00 $0.00 WOO PlORnrdrts .01094% 3.99% $8,216.64 $26.97 $0.00 $26 97 Promotions .01094% 3.99% $842.76 $2.11 $0.00 $2.11 PrornoaOro .01094% 199% $580.96 $1.91 $0.00 $1.91 Tote Grande Barges $35.81 EMe1M Amual Percentage Rata (APR): 4.34% P10850 see Inf hm on About Your Account awlim for balance hnrnpu Mon rn09nd. grace period, and ollm enpalarx kxonafon_ The Canagmrgng APR is the rate of iraereef you pay when you carry a balance an any transaction category. The Effective APR represents Your told fiance charges - incuding wit aacaon ties ouch s cash advance and batanoa transfer lees - expressed so a percentage. IMPORTANT NEWS Final and Only Tlrrk-Yes Nodca before July 10, 2006. As a valued Cardmordo r, you've been aued a Thank You up b $100. Claim your 1wodtes, each wi9r a low tae of $2A5. Log on for details and often your Thw* You kq to $100 from SytapseCo sect www.gd9cem100.comfensas. Code 24616 8364508 This Statefifent Is a Facsimile - Not an original X W F18330506 me N z " 01Waswe Pgs1 s,3 mega .awn 91171 lu own ooo91ma 100 of 141 Statement for account number: 5407 New i4eo Ueii New Balance Payment Due Dab Pot DOeAnnura AA"awiurn Payment $9.513.23 0721136 $000 5190 00 ?5 INlw akew =aPr n oService. Amount Endowed Prim t on n back. 540168301490091100019000009513235224093 95M BEX Z 1770110 LISA M MCLAIN 467 HGHLAND CT CARLISLE PA 17013-3935 h..l1L..Ill..... A.11...11.1.1...r11..1.i.4.l.l.A.161 CHASE 0 P?War.r?ydr?fiaa wore -. SIO rsy C9'ICall ary1NM -1winw- Uwe - I...11Ir1..L.l.I.rl..ll.r.l.l....ll.l.l.w q..I.L..llr.ll.rl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19666.5153 1:5000&r.0281: 209 30 149009 L &929 8364508 Statement Dale 0527/16.OWl25" CUSTOMER SERVICE CHASE 0 Paym a um a e 00 $ S rurn ih0 P yma Due: m 190 ffol 1-m8?333000 Espa TOD 1-800-955-0060 pay py 0- 1-800.436-7958 Outside US. call CONGO 1-302-594-0200 MASTERCARD ACCOUNT SUMMARY Acco ni Number: 54M 9®01490 0911 Pre.ioua Balance 50.727.00 TOtalCredt Line $12.100 ACCOUNT INQUIRIES f3ox P.O. 15298 Payment Credits -$250.00 Mailable Credit ile $2,6686 W ilrnngtort DE DE 1 0850-5298 Finarhm CMrgm S3623 Cash Access Ike $4,840 New asimce ,513.23 Mailable for Cash $2.586 PAYMENT ADDRESS P.0 Box 15153 WNrrwhgton, OE INNS-6153 VISIT US AT: CASHBUILDER REWARDS PLAN ACTIVITY For CashBueder Previous rewards balance 50.00 Customer Service Call 1-600945-2000 Rewards Gained on purchases $0.00 Rewards shad this year $0-00 Ramalning rewards balance $0.00 Remember with Chas CashBulder. you can ram up to 2% on your Chas credit card pucases. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transamon Daaoiption Credit Dabit 06/15 116916927293137777WOOB PAYMENT -THANK YOU 0.00 FINANCE CHARGES Defy Periodic Rea Corresporv&V Average Deny Balance Finance Charge Due 7raraachm FINANCE Catelpry 31 days in cycle APR To Periodic Rae Fs CHARGES Purchases V .03559% 12.99% $455.71 $5.03 $0.00 $5.03 Can adWWW&8 V .06573% 23.99% $000 $0.00 $0.00 $0.00 Comenence check V .03559% 12.99% $000 $0.00 60.00 Sltl= A,mmliore .01094% 3.99% $7.975.69 527.05 $0.00 $27.05 Promotions 01094% 3.99% 5642.55 $219 $0.00 $2.18 Promoliors .01094% 3.99% $590.76 $197 smw $1.97 Total France cargs $36.23 Eflecdve Annual Percanbge Rate (APR): 450% Planes, see kdornwrlm Aboul Yow Acco ni section for balance mmpuseon mnall od, gram parwd, end otter w nponara iraorrstiorh. The Coneaporhding APR is t s, rate of ireareet you pay w1w you carrya [alma onwW lrnsdioncmpory. The Efted" APR retkesents your total femme Charges - w4udng wa aseYon fam _ such as cash advance and balance traaler tam - expressed as a paceeagG. IMPORTANT NEWS For a Nrriw tenet you're en/led to claim up to $100.00 worth m your avorin maesanea Respond now to receive an hire yes Ol 891"Ons proaseed by NWISrb Sarvies_ Call by August 10, 2006 tar seleekota and araorrapc renewal delis. Ounmills are Ikthaed. Er*W 11,800-639-2820.3.16 For mrwerient end sews. 2417 account eemse visit www.chas.mmAns6tmrds This StatDeawd Is a Falcsimlle - Not an original Raomom Fhaastaos woo N z r oulave ?q.na1 meeG .rsw eadro .nh 000Da000PYA01 106 of 141 Statement for aeooarri number 54m 6880 i4gD fmt i New Balance Payment Due Data Past Due Amount Wrimum Payment $9.297.67 08,20" #0.00 $18500 MYeyeur drsk peyebleto Ch.- Card services. Amount Enclosed $ - N.w odeess or n.nndr, Print on beck. 54016830149009llOD0185DD009297L75239852 4037001A Z 307fle 0 USA M MCUfN 487 HIGHLAND CT CARLISLE PA 17013-3935 I...Il1,.311...... 14.11-1111,6.,41„1141„I I.J.,11,1 CHASE 0 pEnrro?e?amein 8feaOm ?at ott rand relayoan0algLrna. -vilow--_ Visa I...III,I..1.J.I..I..I1...1.L...II,I.I...I1.,1.1...11..1I..I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,6021911: 209 30 ii.9009 L L9r Stemrnent Dal e' 06127M6 - 07!26106 CUSTOMER SERVICE CHASED PaIrmon ° . 33 a ? 0 hi P m Due n s oD Es?l 1 88684463 8 ,10 TOO 1-60605-0060 Pay by M. 1-800-436-7158 Outside U.S. Call Coiled 1.302-594-UW MASTERCARD ACCOUNT SUMMARY AeoouM Number: 540t a69014900a1i Previous Balance $9,513.23 Tole] Credit Line Box 52 90 FOES O INQUI $12,100P Box A 15298 O Payment. Cre0ils -$250.00 Available Credit . . . . $2,802 Mfilmn lon OE 198565298 Finance Charges «$9444 Cash Access Una , g $4,840 Nee Balance .297.67 Avalabfe tot Cash $2.802 PAYMENT ADDRESS P.O. Box 15153 VAlrltnpton. DE 19886-6153 V19IT US AT: ever.dreae.mrNeredlc rda TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/20 120120127300901 0.00 FINANCE CHARGES Deily Periodic Rafe Corresponding Average Daily Balance Firharce Charge Due Transaction FINANCE Category 30 days in Cycle APR To Periodic Rate Fee CHARGES Purchases V .03559% 12.99% $460.69 $4.92 $0.00 $4.92 Cash advances V .06642% 24.24% $0.00 $0.00 $000 $D.00 Conllehisnca check V .03559% 1229% $0.00 $0.00 $0.00 WOO Promoadns .01094% 3.99% $7,76923 $25.50 $O.OD $25.50 Promotions .01094% 3.99% $642.68 $2.11 $0.00 $2.11 Prothosora .01094% 3.99% $58020 $1.91 $0.00 11.91 Toled inane charges $34.44 Effective Arhnual Parcentage Rafe (APR): 437% Please see kAormallon About You Aaoolam secton for balance coe"llon naNod. grace period, and chfiv important inloweaton. The Corresponding APR is to raft of unrest you pay when you carry a balance an any ransarxon category . The Effect" APR repreeenb you total finance charges - including trainamon fees such as cash advance and balance Transfer tees - sxpraeaed as a Percentage. IMPORTANT NEWS URGENT: As a valued cwdmenlba, claim you Thank You of a full your of 3 magazine& wortin up to Sioaag. Lnatad lime 11971006 to dam your Thank You 01 Lip to $100 00 procassed by NawSub Services and for details. 1.806641-3426.4UO YOU dwl setae for local TV - v.hy seae tar local radio! Get SIRIUS SATELLITE RADIO -the teat radio on radio. 10D% aornrnerdal tree4mat Worts, news, talk a alarmi inair Gel greet deals and a FREE 3-day pave 0 vww Chase-Sires corn Specid SIRIUS radio offer for Chase Caskxnera 1166-760-7313. •-Atlendion Cardmembea: Get money back an purchases made w you wade ord. Win Trilgants Secureell otter. You can anjoy savings and security for youand for your tenth mo-win Blelta 60 days for only one dollar. Call 1-866-883-SAFE (7233) by 111/!1$06 -- Thank you lot being a valued Car.lnwhEe. 8364508 This Stafemerrt Is a Facsimile - Not an original R Up00001 Fi33306D 10 floe N Z 20 dear4a Py.1 d 1 mace hY hM 4e9o Tan OMf000066 104 of 141 Statement for accourA number 5401 mm i4go oolf i New Balance Paymard Due Date Pest Due Amount lAnimum Payment $0,132.51 0920A)6 $0,00 $18200 =y aw.etack payable to Chem Card S.M- Amount Enclosed $ ad:: a a+.1eW Prat on back. CHASE O Earr:0' nma in tt» op?nd M Rd•. P UM == Otter may eU8141- 540168301490091100018200009132515255450 W768EX Z MSS D USA M MCLAIN 487 HGHLAND CT CARLISLE PA 17013-39M CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 10886-5153 11.311-111 ......11..11...11.111....11,.I J.1. J,1...LAW x:5000 1,60 281: 209 30 1,49009 1, 190 Satanem Dale: 0 727/06-00126MS CUSTOMERSERVICE CHASE Payment Due Dais: $ 0 Payment Due: Minimum 1 0 E.p;el ;-386; 6,3300 TDD 14600.0iS-W60 Pay W phone 1-800416-7056 Outside U.S. Call cased 1-302-594-MOO MASTERCARD ACCOUNT SUMMARY Acco ni Number: 5401 se301490 091 t Pra.+ous BelanCe $9.297.67 Total Credi Una $12.100 ACCOUNT INQUIRIES P.O. Box 152" Payment, Credits 5200.00 Available Crod1 t $2,967 Wilmm lort DE r% DE 19850-5296 Finance Charges 434.64 Cash Access Una g ly $4.e40 New Balance ,132.51 Available Ior Cash $2,967 PAYMENT ADDRESS P O Box 15153 VAIrrirglon, DE 198963153 VI81T US AT: www dmae.mrnhradt®rds REWARDS SUMMARY To redoern your points, or the numbs on ile Promous pow" balace 0 back of your card or log on to Points owned for lrxxxa charges 35 www.ChoaaeMyR6wa6.mm Points owned on purchases 0 New total points balance 36 35 points to expire on statemera doe in Augur 2008 TRANSACTIONS Trans Amara Date Reference Number Merchant Name or Tranaecton Oesrnpfon Credit DoW 08f15 1227227273096732 0 PAYMENT -THANK YOU .00 FINANCE CHARGES Daly Periodic Rise Corresponding Average Daily Balance Finance Charge Due Transacion FINANCE Category 31 days in cycle APR To Periodic Roe Fee CHARGES Purchases V .03559% 1200% $465.72 $5.14 $0.00 $614 Cash advances V .01.342% 2424% $0.00 $0.00 $0.00 $0.00 Convenience cock V .03559% 1299% $000 $0.00 $0.00 $0.00 Promotion 41094% 3.90% $7,53122 $25.55 $0.00 $25.55 Promotions 01094% 3.90% $64235 $2.18 $0.00 $2.18 Promotion 01094% 3.99% $5w3g $1.07 sc.00 $1.97 Total snake charges $34.54 EfleclWe Annual Pacenage Rase (APR): 4.53% Please see Information About Ya7r A¢aan Becton ter bdwm oernpueton method. grace period, and other vrQaterd iraormelon Th G Corresponding APR tether rise of invest you pay when you carry a balance an any tanschon category. Th e EBecive APR rWasena your last finance charges - including transaction ism such as rash advance and balance trends fees, - expressed as a percentage. IMPORTANT NEWS FinalNotice Log anbelore October 15, 20061 As a valued Cwdmerbw. you-re entitled to a Thank You valued uQ to $110.00 from Nstv9ub Services. You must act qudtly. Ouemds we linseed. So log on 1s details and your magaans now wwwmybo uacenter.camrdass. SW8 8364508 This Statement Is a Facsimile - Not an odginal Z 0000001 F19313360e 000 . Z 26 061504, ev.143 o50se WM aerie 237r 09000tDa00a7r601 126 of 141 StatetfWnt for aceouM mminber: 501 68301400 0811 Now Balance Payrrwnt Due Date Past Due Amass Minimum Payment CHASE O $6.866.01 1021)06 $0.00 $170.00 =.Y inns payeW to Glee Card 9n,rfata Pa'?^tieM tffs of Plan*. Enroll me in the oplional Angtmt Enclosed rlress v a+m9? Prier m asdr_ otar may ta1rP1 any erns. 540168301490091100017900008966915269532 4%13 r1E9226110110 ...11.,14.1 USA M MCLAIN 4a7 HIGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17013-3035 PO BOX 15153 WILMINGTON DE 19866-5153 1: 5000 i60 281: 209 30 L1.9009 L L9ae Slatonlas Dale' 0627106 - 0926M6 CUSTOMER SERVICE CHASE O Payment Due Osb: 1021!06 In U.S. 1-800045-2000 Mnimrn Peynlas Due: 6179.00 Espanol 1-8ee-446-3306 Too 1-600.955-6060 Pay by phone 14100.436-7956 ODUK* U.S. Call COMW 1-302.594.6200 MASTERCARD ACCOUNT SUMMARY Aoooulf Nunnbr: 5401 6890 1100 01111 Pm+om Balance $9,132.51 Told Credit Lin, (11100 ACCOU111TINOUIRES B 15293 Payment, Credit -(200.00 Available Credit ox VptonL DE $3,133 ,,krerl DE 19e50-529e Finance Chagas .594.40 asa, Cash Acr Una $4.640 New Balance ,066.91 Availabla for Cash $3,133 PAYMENT ADDRESS P.O. Box 15153 VAlrrirgton, DE 19605-5153 =Inkradicards REWARDS SUMMARY To radeen yourponds.ma the nurnber on alb Previous poaas balance 35 back of your card or lag m to Points earned for fimae charges 36 wtiiw.ChoowWRwmwrc%.corv Pone earned on purduses O New total points balance 70 35 points to expre on statement dale in August 2006 TRANSACTIONS Trans Amours Date Referent Number Merdwrt Name or Transaction Desi iplon Credit Oath 09/19 12622622731967367000W7 PAYMENT -THANK YOU 00 FINANCE CHARGES Finance Chaps Daily Penodc Ras Correap. Average Daily Balance Ous To Transaesm A2urellaed FINANCE Caagory 31 days in cyde APR Periodic Rae Fee Fit Charge CHARGES Purchases V .03559% 12.99% $470.98 $5.20 $0.00 $0.00 $5.20 Cash advances V .06642% 24.24% $0.00 $0-00 $0.00 $0.00 $0-00 Convenience Check V.03559% 12.99% $0.00 $0.00 $0.00 Woo WOO Prmrolonal aurmrary .01094% 3.99% $7,385.96 $25.05 $0.00 s0.00 $25.05 Promotional summary .01094% 3.99% $642.67 $2.18 $0.00 $0.00 $2.19 Prormtonal aummery .01094% 3.99% $690.99 $147 $0.00 $A.OO $1.97 Total finance dnarges $34.40 Etfeoflrs Annual Pereentege Rau (APR). 4.54% Please see Intonsalon About You Aceou t season for balance earpuAnim meatod. QeCs period. and oats anportars nbtnaion The Corresponding APR is ate tau of interest you pay Wiwi you Carry • balance on any traraeaon Catepory. The Effeck" APR represents your total Snap Barges - including trarserym fees such as cash advarm arced (t&Wm Ynsfer twee - expressed as a percentage. IMPORTANT NEWS As a Valued Cardmernber, you're enticed 10 denn a Thank You worn up to $100 00. Reply by ICV10MS for an entre year of your tevorite magazines p-ocasssd by Synapse Conned- Cal 1-WO-927-9660 or log m to wwW.Qita0100.oonvChw9 for auk metic renewal details and to aaled yaw faeoriaa. 8364508 This Statement Is a Faesirnile - Nom an original ' X00W001 FM33344 b 10 000 N Z 2e aamm POe1df CUM WW-3 2ar100a0fa000.51130r 94 of 141 StaterRent for account number: 5401 6/301460 0911 New Balance Paymah Due Data Peet Due Amours Minmum Payment $8.798.74 112066 $0.00 $17500 MakeYaur d.s peyafile to Chase Cars 5"- Amount Enclosed IS Naw.Y a*.= Print m back. 5401683014900911UD017500008799745286000 LAI...III...... II.Al...W.I....11..LL1.J.L..L.ILI 47M 8Ex Z bale 0 LISA M MCLAIN 487 HKNILAND CT CARLISLE PA 17013-3835 CHASE 0 PGevrro?l cams i? I uridsnf W rid dtldowd offer and may cancel arty eme. - RMRTT--'t7ffi6- I...III.I..L.I.I..i..II...1.1....11.1.1...11..1.1...11..11..1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198WS153 1:5000 L60 281: 209 30 L49009 L L9M Stananwn Dale. 0927N6 - 10126/06 CUSTOMER SERVICE l Due 14100-946-20M In U.S 00 CHASE O Due. Mme. m E e- sedwl TDD 1-000-955.6060 Pay by {Tone 1-800436-7956 CU*de U.S. Call cameo 1.302-594-6200 MASTERCARD ACCOUNT SUMMARY Aem.nt Number: SY01 69101490 0911 Previous Balance $6.966.91 Total Credit Line 9f, 512.100 P AC Box 12 E3 O. . Box 152 98 Payment. Credits -5200.00 Available Credit $3.300 rglor? DE 19850.5296 yWlra Finance C2largea 431203 Call Access lire 54.1140 New Balance 56.789.74 Available for Cash $3.300 PAYMENT ADDRESS P.O. Boa 15153 WiNnnngton. DE 19086.5153 VINT US AT., RLW AR DS St IMMARY To radars your points, a1 the number on to Previous points balance - --- 70 tact 0f your card or 108 on to Points carted for Teary charges 33 www.ChooeMAyRewads.com Points earned on pure hase& 0 New load points balance 103 35 points b expire on statement date in August 2008 TRANSACTIONS Trans - Amours Data Reference Number Merdwit Name r Transaction Description Credit Debit 1021 12952942732066206000008 PAYMENT-THANK YOU 00 FINANCE CHARGES Foie Charge Daily Periodic Rate CorroV. Average Deily Balance Due To Transaction Axhrrulred FINANCE Category 30 days in cycle APR Periodic Rae Fee Fin Charge CHARGES Purchases V.03559% 12.99% $476.03 $509 $0.00 $0.00 $6.09 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $000 $0.00 Convenience check V.03659% 12.98% $0.00 $0.00 $0.00 $0.00 50.00 Promotiornd den Mary .01084% 3.99% $7.225.67 $23.72 $0.00 $0.00 S2172 Promotond summary .01094% 3.99% $642.76 $2.11 $0.00 $0.00 $2.11 Promotional summary .01084% 3.99% $580.86 Slat $000 $0.00 $7.91 Total finance charges 532.83 FlHeghe Annual Parentage Rots (APR): 4,41% Pleads see Information About Your Accot a section for bider" Computation meshocL grass period. and other important nforntuban. The Corresponding APR is the rob of ihlsrest you pay when you carry a balance on any traeaelion category. The Effective APR represents your total mince carpet - r.dueng transaction lees such as ash advance and balance "n ter left - expressed as a percentage. IMPORTANT NEWS WhateMar You'd like to do - re inernoe your morlgagelo gat extra adn. make home inproranerve, even bury a row home. Call Chow Brat at 1-x86-8368135. We can help wflh 94 your home financing needs. NI loans subjen to cmdl and propany appovat. Equal Housing Lander- Enioy tow web rates. special offers old a discount 100 when you Lee your ChasrHriz CDP# 374210 at henzeom. 8364508 This Statemerd Is a Facsimile - Not an origtnal R eDe01 F03=MD9 ODD IN Z 26 011101006 Pq.. d l ease 1441101k 4rare 2 MaODOM Mteba 2of141 Statement t« acootltN nurnberr 5401 6030 1400 0911 New Balance Payment Due Date Past Due Amourn Mnrtum Payment $8.63311 12121 A6 $0.00 $17200 Meksywr daaek payable to Clew Card 3"- Amount Enciosec IE )Nos address a amer+ Pmt w buk. 540168301490091100017200008633115303212 3Wao eBt Z33M0 USA M MCLAIN 487 HIGHLAND CT CARLISLE PA 17013-3935 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 v:50001,602811: 209 30 149009 1 19aa statement owe: 10/27/06 - 11MM6 CUSTOMER SERVICE Due Dow m 12f2lMS in 0a ayment Due. P CHASE O Minwritim $172 00 Espaft t--088.446.330 a Too 1-600.955-0060 Pay by phone 1-900436-7958 Outside U.S. call callers 1-302-594.8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5191 6830 1490 0911 ACCOUNT INQUIRIES Precious Balance $8,799.74 Total Credih Une $12.100 P.O. Box 15298 Payment. Credits 4200.00 Available Credit $3.466 Wrimmglon. DE 19950.5298 Finance Chargas 433.37 Cash Accass line $4.940 New Balance .633.11 Available for Cash 53.466 PAYMENT ADDRESS P.O. Box 15153 Wiirrangton. DE 198063153 VISIT US AT: www dra.» cemAcreotcerd+ 8364508 REWARDS SUMMARY To redeem you pouts ce1 the number on the Previous points balance 103 beck of yw cord of log on 10 Points earned for finsnoe charges 34 www.ChocaeMyRahards.oom Points earned on purchases 0 New btd points lelrnee 137 35 Pools to aspire an statement data in Augus12000 TRANSACTIONS Trans Amount Dale Reference Number Mardian Name or Transaction Description Ged if Debt 11120 1324324273383913020D(102 PAYMENT -THANK YOU $200.00 FINANCE CHARGES Finance Charge Daily Periodic Flats Corrwp. Average Daily Balance Due To Transaction Aa Iwad RNANCE Category 31 daysin cycle APR Periodic Rae Far, Fn Charge CHARGES Purchases V.03559% 12.999E $ti81.23 $5.31 $0.00 $0.00 $5.31 Caen nowww. V .05642% 2424% $0.00 $000 $0.00 $000 $0.00 Convenience Check V .03559% 12.99% 50.00 $0.00 $0.00 $0.00 $0.00 Promotional s x marry 01094% 399% $7.048.65 $23.91 $0.00 $0.00 $23.91 Promotional summary, .01094% 3.90% $642.69 $2-18 $0.00 $000 $2.15 Promotional atmmery .01094% 3.90% $580-90 $1 97 $0.00 $000 $1.97 Total fnwhce charges $33.37 Effective Amual Percentage Roo (APR): 4579E Please a" Information About Yaw Accent section for balance compilation method. grace period, and other important information. The Corresponding APR is the roe of interest you pry when you carry a balance on any transaction category. The Effective APR repreeams yaw WW finance charges - including trensactlon foes ai1U, as cash advance and balance transfer fees - alp eyed as a percentage. IMPORTANT NEWS HOLIDAY SHOPPERS. Gat low prices on MP3 playas toys, digital cameras. flat screen TV's and lob more through Tnbgr&rWs offer. You cats get up to SW cash bads on pXdmme vmh your Shoppers Advwftw membership. CALL 1-066-9837233 TODAY. This Statemen Is a Facsholte - Not an odgkmi X amitr, FIS113aS b7 coo N 2 29 0m1a Pie., a, Wells .Ark..a 3W1o 3. 10,0o00e1000BWWM CHASE O paayyoment =00k annal '. I uhrlerstend the anclceed offer and may cancer tarry Lane. '??Dffia? 4 of 141 Statement for acaoartt raatsbar: s4m Gm 140o o9i i Neer Balance Payment Due Date Pmt Due Anroue Minimum Payment $0.464.82 01r2=7 $D.00 $16000 Malayaar rl.seY P.yable to Cher Card 9erwaes. Amount Enclosed S New tl68ss a a-rep Print m back. 540168301490091100016900006464925322575 .5mao z3eooeo USA M MICLAIN 487 HGHLAND CT CARLISLE PA 17013-3935 CHASE C) Errol me in the o Ran'. Paayr.nsra?ntt Pro offs arM may ?snwl dery?Nre. I...Ill.I..1..1.I..I..II...1.I....Ii.l.l...ll..l.l...ll..ll..l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 191118-5153 1...111...111..uu11..11-11.Ir...1h.111.11... 9:5000 160 281: 209 30 149009 iti9aa Den g Dar. 11127106 - 6M CUSTOMER SERVICE t CHASE O 012 f2QW In US. 1-80(-945 2000 Minima m Payment Due: S1169.00 Espartol 1-880446-3308 TDO 1-800.985-8080 Pay by phone 1-800-436-7958 Outside U8. con eollecl 1.302-594-8200 MASTERCARD ACCOUNT SUMMARY Aeaant Numbs: San 1990 9490 ant Previous Baianw $8,833.11 Total Credit Lim ACCOUNrINOUNBES S12100 P Box 15296 O Payment. Credits -152M(10 Available (:aeJl . . 53.535 yyrlmr lm DE 19850-5298 Fnancs Charges -$31.81 Cash Access Una g S4,1140 Nor Balance .484.92 Available for Cash 53.635 PAYMENT ADDRESS P.O. Box 15153 VAlnvngwm DE 19606-5153 VI91T U9 4T: www.dar enrrye !car 1a 8364508 REWARDS SUMMARY To redeem yon points- war to mxybw on the Preltaua poMm belatoe 137 back of ymr card or loo on to Points earrod for Mnmos charges 32 www.chawournfaedecads Petrel earned an pudnaaes 0 New total points balance 160 35 penis to expire on aalerinenl date in August 2008 TRANSACTIONS Trans Amours Date Reference Nanbw Merchant Nine or Transaction Deaaiplion Credit Debit 12!21113553552734781407700008 PAYME - THAN( YOU $200.00 FINANCECHARGES Firm" Charge Daily Periodc Rate CareW Average Daily Balance Dua To Traneacion Amrndated FINANCE Category 30 days in cycle APR Periodic Rah Fee Fah Charge CHARGES Purchases V.03559% 12.919% $488.48 $5.20 $0.00 $0.00 $5.20 Cash advances, V,05642% 24.24% 50.00 $0.00 $0.00 $000 $0.00 Cuwsnence check V.03559% 12.99% $0.00 $0.00 $0.00 $000 $0.00 Promotional summary, .01094% 3,99% $8,880.92 $22.59 $0.00 111000 $22.59 Promotional xmnery .01094% 399% $642.78 $211 $0.00 $000 $2.11 Promotional summary .01094% 399% 5580.96 $1.91 $0.00 $0.00 $1.91 Total inane charges $31.81 EHhctlw Annual Pwcwmge Rah (APR): 4.44% Rene sae Inlormaaon Neu Vow Accwht section for belence wmpuafon naahd, grace (period, and orw -rpm an infer aim_ The Coreepond!ng APR is the rag of "woo you pay when you carry a balance, an any lransM6dn category. The Eileen" APR repesena Mr tonal linanoa charges - irldt dng varaacfan bas such as cash advarrce and balance trfater fees - expressed an a percentage. IMPORTANT NEWS Clam you reward today! You all lave time to dam your Thomas Oiltade LiViograpting Simply, go 10 www.rewadcenter.cem and enter 167312 whys d 8*3 for you cwb*caa rarrber. Take advantage of Iris final Opporhxhty b dawn Cis excttsivo collection. Thies Statement Is a Facsimile - Not an origtial X0000mh F63WOOD5 ago H Z 2e 01n2t Pga1Or mar sM..a 45me 311% mnomom.s® 108 of 141 St8t0fnerd for account nUlnbw: 5401 OM 14W 0911 New Balance Payment Otis Date Pot Due Amount Minimum Payment CHASE 0 $8.29715 02MIND7 $0.00 $185.00 ?Wm neon eAeclr Pxyabia.to pate Card Sw%ice: Tyrol me?tner Ran Amount Enobseo Wks ?NSn address a anal? Prot m back. oiler aW mry r?lene. 54D168301490091100D1650D008297155334667 ena oonzo2WD I...II1.1oh.1.I..I..11...I.I....II.Id...111.1.L..11..11..I LISA M MCLAIN 487 HGHLANO CT CARLISLE PA 17013.3835 CARDMENBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I.ulllr.dll...... 1611. a 11.W....IL.1.1.1.11... 1:5000 i60 281: 209 30 149009 1 i91e OpeninyCwairg Dale: 1227)06.01126/07 CUSTOMER SERVICE CHASE O In U.S. J_aoO-945-2000 &W Mkt m Paynant Due $16 1-Na,446-3300 EspoM Too 14!00.955-0060 Pay by pill 1dDO-436-7956 Outside U.S. call collect 1-3D2-591.6200 MASTERCARD ACCOUNT SUMMARY Account Nunrbsr: 5401 Sao 1490 0111 Previous Balance $6,464.92 ToW Credit Lma $12,100 ACCOUNT INQUIRIES Boa Isna P O Payment. Credit -$200.00 Ava9ada Credit . . DE bn $3.002 W9nxf OE 1e850-5298 Finance Charges .$32.23 Cash Access Line , p $4,040 New Batanw ,297.15 Available for Cash $3.1102 PAYMENT ADDRESS P 0 Boa 15753 Wtmrgen, DE 190863153 VISIT US AT: 012. REWARDS SUMMARY To redeem your points, Sul the number on the Previous pools balance 169 back o1 your card or log on to Points, eerred for finance charges 33 www.ctase.rsrn/credocards Points eemed w ptrdhoo 0 New gtal ptlnt baMnc?0 202 35 pools to expire on slatam rif dale in August 2006 TRANSACTIONS Trans Maul Dale Relerahce Number Merclam Name or Trartaa6on Description Credit Debit 01116 10160162735647114000007 PAYMENT -THANK YOU 00 00 FINANCE CHARGES Pdance Charge Daly Periodic Role C irreep. Average Daily Balance Due To Trar swilix Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purdmms V.03559% 12.97% $491.80 $5A3 $0.00 1000 $5.43 Cash advances V,05642% 24.24% $000 *0 00 $0.00 Woo $000 Convenience check V.03659% 12.99% $0.00 Woo $0.00 $0.00 50.00 Promotional summary .01004% 3.99% $6,67744 $22.65 $0.00 $0.00 $22.85 Promabonal summary .01004% 3.99% $542.42 $2.10 $0.00 $0.00 $2.18 Promotional summary .01094% 3.99% $580.66 $1.97 1$0.00 Woo $1.97 Tole) finance charges $32.23 Effect)" Annual Percentage Role (APR): 4.60% Please we Ink malion About Your Account seceon tar balarnce compulsion malhod, grave penod. and other irmpo.terd vdor mslon. The Corresponding APR is ter rate of imersi you pay when you carry a balance on any Vivisection categary The EtNeltre APR represents your tMi Trance charges - including transaction twee Such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Got 25% off TaaCut Online M www.hrMdte FdChOsabller and siec he oNre program right for you: TaxCut Basic None= or Bowl". Valid 12/l/06 to 511)07. Discount does not apply td purchase of state programs. Cannot be oDmbned with other ollera Void where prohibiledheirieted by lase. 8364508 This Statement Is a FacslmUe - Not an original R4OIX01 FS30116D9 0110 N z r eraxrN Pq..dh meet r _Gs om.omouoDiarmo. 92 of 141 Statement (w accourd number: 5491 om 7!4oo 0Y11 New Balance Payment Due Date Past Due Arroum Minimum Payment $9,159.91 03123/07 $0.00 $163.00 Makeyo.r ch.* parable to Chas Cant Sawa! Mount Enclosed $ New address or s-mol9 Pnra m back. 540168301440091100016300008158915352641 3,361 eok z Ollw o USA M MCLAIN 497 HIGHLAND CT CARLISLE PA 17013-3935 CHASE C) I want dlrchas oolorrol ot! I hen 11PdC R --1111 0 9 11--? I...111.1.3..61..1..11...1.1....1I.I.I.n II..I.L..Ii..l1..I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 10686.5153 1h.111..1.1...L.11.1 1:50001660 281: 20930 L1.90?9 L L91a O1R7g7 - CUSTOMER SERV ! CHASE 0 ? 7 94 M U.S. 1-800-945-2000 D? Mxa m ?y Espalbl ,-889146-3308 TDD 1-800.955-9080 Pay by r hone 1-BOO-436-7958 Outside U.S. Call Collect 1 302 594-8200 MASTERCARO ACCOUNT SUMMARY Acamint Number: 54M 66801490 0611 Previous Balance $8,297.15 Total Credit Line $12,100 4000UNrINCIUIRIES P O. Box 15296 Payment Credit -$170.00 Avaiahle Credit $3941 . Wilmnpton DE 19850-5298 Finance Charges .$31.78 Cash Access Une 54,840 , New Balance .15x.91 Available W Cash $3.941 PAYMENT ADDRESS P.O. Box 15153 Wtmngton, DE 19886-5153 VISIT US AT: www.csm cOrnkndlmrrs REWARDS SUMMARY To redeem your points, call the nurber on the Prwwws points balance 2p2 back of your card or log on to Points earned for finance charges 32 www.duw.oorNcedacsros Points earned on pWfaset 0 New told point baknce 234 35 points 10 wpm an stternert date in August 2009 TRANSACTIONS Trans Amount Dale Refereme Number Merchant Name or Transaction Description 'Credit Debit 02117 104904827367534662000D4 PAYMENT - THANK YOU 170.00 FINANCE CHARGES Finance Charge Daily Periodic Rat Corrap. Avaepe Daily Balance Due To Transaction Amxn/atd RNANCE Category 31 days in cycle APR Periodic Role Fee Fin Charge CHMIGES Purchases V .03559% 12.90% $40726 $549 $0.00 $000 $6.49 Cash sA.ahcas V.06642% 24.24% 50.00 so 00 $0.00 $0.00 $0.00 Convenience crest V .03559% 12.90% $0.00 50.00 $0.00 $0.00 $0.00 Promotional summary .01004% 3.99% $5,519.00 $22.12 $0.00 $D 110 $22.12 Promotional summery .01094% 3.99% $642.53 52.18 50.00 $0.00 $218 Promotio al summary .01094% 3.99% $500.75 $1 97' $0.00 $0.00 57.97 Total finance charges $311.75 EfleoOw Annul Pwcm go Mae (APR): 4.62% Please we Information About Your Acoaod section for baiarns wrnputston ns0ad- grad period, and other irnporterd intornstion. The Corresponding APR is to rate of interest you pay when you nary a bdwm an any tansecson category. The EtecWo APR represents your tolel linance changes -inclutag 1. Is on leas such as cash advance and balance b-wi r lose - expressed as a percentage. IMPORTANT NEWS Enjoy low web ram spatial offers and a discern too 11e1e1 you use your ChaarHortz dsraum code CDPS 374210 at herm.eonn EXCLUSIVE OFFERI Gel ON 40 L4cwo Mod Statehood quarlars tun 1999-20061e Just $19-95. Yohfil SAVE M% off regular price! Hurry -this otter ends on Mach 31. 20071 To order now. go to: UttletanCoin.caNOuartrs 8364508 This Statement Is a Facsknile - Not an origkml )(0000001 FM33MSDO sea N Z 26 (PAM= P.p.t dI mMe MW 31357 a" 135M 124 of 141 Statement for acoolatil rronber 401 am i4ao awl Now Balance Payment Due Date Peat Due Amount Minimum Payment $8.017.29 0420107 $0.00 $16000 Mellsyour cheek payable te Chose, Card Sake. Amount Enclosed f New address a a-m619 Print on beck. 540168301490091100016000008017295366626 CHASE O I oledt !1lI 11 gwarn b.w Pvwer b-r ?or may cancel 2W.eaaX Z0ab10 I...III.I..I.J.6.6.11...1.1....11.1.1...11..1.1...11..11..1 USA M MCLAIN 487 HIGHLAND CT CAROMEMBER SERVICE CARLISLE PA 17013-3935 PO BOX 15153 WILMINGTON DE 18e88-5153 1...116..IIl...... 11..11.141.ln..ll..l.l.1..66..4.11.1 4 5000 ir60 281: 209 30 0.9009 i 19641 glannydosingDae: 02127A7-03126/07 CUSTOMER SERVICE CHASE O s x ? 04 7 M U.S. 1-600.45-2000 Mew m Psyrnen Due $ EaP6fbl 1-866-446-3306 TOO 1 d00-955x060 Pay by phone 1-800-436-7956 Oub ids U.S. eati collect 1-3M-594-020D MASTERCARD ACCOUNT SUMMARY Aeoanl Number: 5401 6001490 9611 Previous Balance $41,158.91 Total Crest Une O Box T 152941INOUIWE3 112,100P Box A O Payment. Cradle 3170.00 Available Cre61 . . . . $4.082 WilmrgtorL DE 19650-5296 Finance Gtaryas .$20.38 Cash Access Una 54,4140 New Balance $8.017.29 Available for Cash $4.092 PAYMENT ADDRESS P.O. Box 15153 WWWVtM DE 198954153 VISIT U9 AT: REWARDS SUMMARY To Monolith your points, call the number on the Previous points balance 234 bads of your csd or log on 10 Points earned br lorence charges 29 rww.chass-mMVedsvds Points samed on purchases 0 New btal potme 6etsnee 263 35 points to expre on statement date in August 2008 TRANSACTIONS Trans Amount Date Relarenee Number Merchant Name or Trensacoon Description Credit Debit 03123 10820822737905236700007 PAYMENT -THANK YOU $170.00 FINANCE CHARGES Film Charge Only Periodic Rate Comeop. Average Daily Balance Due To Transaction Acarrtbtsad FINANCE Category 28 days in cycle APR Panodic Rasa Fee Fin Charge CHARGES Purchases V .03559% 12.99% $602.50 $5.01 $0.00 $000 $5.01 Cash advances V 06642% 24.24% $0.00 $0.00 $0.00 $000 $0-00 Comramenea Check V.03559% 12.99% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summery .01004% 319% $6.404.57 $1982 $0.00 $0.00 $19.62 Promotional summary .01004% 3.09% $642.81 $1.97 $0.00 $0.00 $1.97 Promillional summary .0104% 3.99% $681.01 $1.79 $0.00 $000 $1.70 Total finance ChW9,05 $2039 Effective Annual Parcer.age Rate (APIs): 4.161E Please we Information About Your Account section for balance c mpubion method. gnats period, and other important irdortnefon. The Corresponding APR to the rate of inter" you pay wd1M you eery, a balance an any transaction category. The Effective APR represents your local linen charges - including lnarafecoon leas such as cash advance acl balance transfer fees - expresaed as a percentage. IMPORTANT NEWS NOTICE: We are rap oom the Two-Cycle Average Daily Balance Method (oortque Maast on prWMM WW 0XI ll It Clefts Mee i9ai bdwwoy win the Average Daily Balance tndlydnp new pral.r. Method (plrctueas duly balance lines prtiteees daily rate each day only in aha nnam cycle) 8364508 This Statement Is a Fa msknile - Not an origk$al x 000.00/ Fisaislsa3 me It Z 20 07A GM P.e.1 dl mete W W Oahe a a 5/ omeal? 112 of 141 Statement for account number: s9Di Gm i4oo o911 New Balance PWff nt Due Date Pat Due Amount Minimum Payment $10.675.01 05116,07 $0.00 $213.00 sleasyaar dr payable to Class Card 9-tw? Amount Enclosed S flew ddaas a ra" Print on back- CHASE 0 1 wBM brd+iseroOborH1 I end road the endoaeAR ofar may tenet any Dine. 1nmvw- - 5401683D149009110002130001D675D15381573 +3t+oaer z 1+110) b USA M MCUVN 487 HIGHLAND CT CARLISLE PA 17013-3035 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I... III...III-I. U..11...ILIA....11..LLL.LL..L.11.1 1:5000 1,60 281: 209 30 149009 i 1,999 : 03!27,07- 1 07 CUSTOMER ? eO CHASE O ,6 W in US M U.S. 1-6110.04 945-2000 m Dm $213.00 EspeMl 1-886-446-3308 TDD 1-800.955.8060 Pay by Phone 1-800-436-7958 Outside U.S. call C919ax 1-302-594.8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5901 66301490 01111 ACCOUNT INOUIRIE9 Previous Balance $8.017.29 TOW Credit Lie $12.100 Box 15296 P O Payment Credits 4160.00 Available Credit . . $1.424 DE 19850-5299 Wikrargtm Purchases. Cash. Debits +52,700.00 Cash Access Una . $4.840 Finance Charges +5117.72 Avaede br Carp $1.424 PAYMENTADDRF93 New Balance 10.675.01 P.O. Box 15153 Witmitglon. DE 19866.5153 =1nicreclitcards, REWARDS SUMMARY To redeem your ponts, cell the number on the Pravioua points byncce 263 back of your card or log on to Points owned for lnerve charges 37 www.dnse.certrvedocards Poems awned on Purdhaes 0 New total points balance 300 35 points b expire on statement doe in August 2008 TRANSACTIONS Trans Amount Dam Rslsronee Number Merchant Nona or Transaction Description Credit Debit $160.00 04121 21110011321100664611088 BALANCE TRANSFER 2,700.00 0422 21 100113211006 11068 ION FEE 61.00 FINANCE CHARGES Fuence Charge Deily Periodic Rate Con9ep. Average Daly Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rae Fee Fn Large CHARGES Purchases V.03559% 12.09% $507.ei $5.51 $0.00 $0.00 $5.61 Cash advances V.06642% 24.24% $0.00 $000 $000 $000 $0.00 Convenience Q+eck V .03560% 12.98% $0.00 $0.00 $0.00 s0.00 $0.00 BelancelraWar V .035591E 12.90% $0.00 so 00 sa1.00 $D DO $9100 Prornationa summary .01094% 349% $6.247.67 $2119 $010 $0 00 $21.19 Promotional summary .01094% 3.99% $642.59 $2 18 Wall $D 00 5218 Promotional summary V.03560% 12.99% $623.04 $577 Will) $D 00 $5.77 Promotional summery .01094% 3.90% $6x0.80 $197 $0.00 $D 00 $1.97 Total Lance charges $117.72 E1lective Armuol Percentage Rao (APR): 13.22% Please see Idomation About Your Account section to balance computation nosed. We= Period, and other IttporteM eoormslon. The Corresponding APR witte rsteot wow" you pay Wan you carry a balance merry transaction category. The Etlecive APR repawnla you noel Stan s charges - hGtdhg ttansecim lean such as can advance and balance traraiw ties - expressed as a percentage. 8364508 This Statement Is a FalaknNe - Not an origkml R 0e0amn Fis=oaoe ow e z 20 om ace Pya+d2 inns MAW 13MG ttaooedoeow =ool 72 of 141 OpenngUoalng Data. 0327107 - 0426J07 Account Nunbw: 5401 6830 1400 0911 Page 2 of 2 IMPORTANT NEWS (CONTINUED) PLEASE NOTE TW YOUR PAYMENT DUE DATE HAS CHANGED AND S EARLIER THAN IN PREVIOUS MONTHS. TO SELECT A PAYMENT DUE DATE THAT WORKS BEST FOR YOU. PLEASE CALL CUSTOMER SERVICE. TO PAY THE AMOUNT DUE, YOU CAN ACCESS OUR WESSITE DISPLAYED ON THIS STATEMENT OR CALL 1-OW-436-7958. YeUVe bean ismad a VIP Tho* You valued Up to $100 as a spedal same opportunity trap Gm Sen,"s, Inc. wnfT is not s Cihassaffliale. Log on by W151071o get jewalry nom In Madison Collection al low cardmrrber role. Mail www.gilic rd100.corMawalry and use code: 31620 Snow Mom why "% the bast! Send her unbrgenable gifts from 1-800-FIDWERS.Can! Get 15%olf fresh, banuti4l rowers, gogeous puns, goumal gal basked, deftnious trusts and more when you use prambn code 66CWlSE. For details, pleses visit www.1800FLOWERS.COMMISCLAIMER Family 4 Pack: 4 Thcas to Stir Flags for just 00 Dosaral Now through June 30. 2007. purchase 4 general adnhiealon *"a online to any Six Flags Them Pak and pay just 99 Doles Log on to your amore to Chase.com to take adanage of this exclusive offer. Whether you intent a slay n your hen or buy a new hone, we otter a vaisty of mortgage produce to mast your needs. Call 1.866-8364336 orvind w c hme.m..ft selwasloen la details. Loan am mood to craft and property approval. Cavan restacion and snetaions may apply. Selections are approved and ready to "I As a Chase Cadmember. you can adecr hVg gIuahly mercrahdlise not available to the neural pubic. Brands such as Lenox, Guru and marry morel .kill g0 b www rawardaemer.com and type n OeliGcale number 169243 and malt r your ¦elecion novel 8364508 This Staternent Is a FacsUniie - Not an orighmi 1L oxow ws?soa on a z a errlr rm rrp.2a2 nova suv. lawn 11. =1002 74 of 141 Statement for account t m*w: mm o830 149o omT New Be*" Payment Due Date Past Ous Amount Minirrtrm Payment $10.52522 ? 06/21A7 $0.00 $21000 ?Naw 6 sstlv kniP Rini mnbeck Cenil Services. Amount Enclosed a. 54D168301490091100021000010525225417425 CHASE O 1 Waemvsb aM dicW' offer tlenO rwl% ertareouzi5wo I...III.I..I.J.I..I..II...I.I....II.IJ...II..I.I...II..II..1 USA M MCLAIN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1169 PO BOX 15153 WILMINGTON DE 19896.5153 1...111...1I I......I I..II.... 11... 11.1iu 1ni.... 1.11...1.1.1 1:5000 1660 2W: 209 30 1649009 1 i9w Opanny(]ceing Dale: 04/27,17 - OWDII07 CUSTOMER SERVICE CHASE O ? a„ a ? OW1 00 I I ouoi ? , mo, 1Me-4 w? TOO 14100.95541060 Pay by phone t-WO-436-7959 Otfafde I call Cphaerd 1-302.594.8200 MASTERCARD ACCOUNT SUMMARY Account Nu dm: 5401 ffE3014l0 9911 INQUIRIES ACCOUNT Prwious Balance 510,875.01 Total Credit Urw 15290 512.100 Box Payment, Credits 3259.00 Avdlabb Credit $1,S74 vieWilnnir M DE 10850-620 lr lon DE Ptrrhaees, Cash. Delius *539.00 Cash Access line g , $4,840 Finance Charges 470.21 Available for Cash $1.574 PAYMENT ADORESs New Balance 10,525.22 P.O. BOY 15153 Warrington, DE 198983153 VINT US AT: -WIL REWARDS SUMMARY To redeem your points, cal to number on to Previous poi is bdatcs 300 box of your cad or log on to Pools awned forirwince Charges 71 wwwAhaso. DmOcri ddrtords Pointe sammd on purchases 0 New total point b9lince 371 35 points to spire an slatanerit des in August 20011 TRANSACTIONS Tram Amount Do% Reference Nur7ber Merchant Name or Transaaim Description t]redil DOW 0 05/19 11401392739903449000008 PAYMENT - THAW YOU 220.00 05110 742668514OM200DOW703 lets es Rommel DE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rain Corresp. Average Daly Duo To Transaction Accumulated R CIE Category 36 days in cycle APR Banns Periodic Rate Fee Fn Charge CHARGES Purchases V.03558% 12.99% $517.18 $663 so oo $0.00 $6.63 Cash advances V .06642% 24.24% $0.90 $0.00 $0.00 $0.00 $0.90 Convenience (hack V .03559% 12.99% $0.00 WOO $0.00 $0.00 $0.90 Balance tranelar V.03559% 12.99% $11.00 $0.00 $0.00 $0.00 $0.00 Promoliorml summary .01094% 3.99% $6.067.4a $23.90 $000 $D.00 $23.90 Promotional summary .01094% 349% $642.55 $2.53 $0.00 $11.00 $213 Promotional summary V.03569% 12.99% $2.720.43 $34.86 60.00 $D.00 $3486 Promotional surnritary .01094% 3.89% $500.77 $2.29 $0.00 $0.00 $2.29 Tote insres charges $70.21 Eleeca.ra Ann W Piwdntage Rate (APR): SAM Please see itormalim About Your Account section for balance compumion method. grace period, end other i rporlas information. The Corresponding APR is the ram of interest you pay %ftn you carry a balance an any transaction caegory. The Elecirs APR repressnm your Iola finance charges - Wxkw tg vermadam man errh as cash advance and balance trarmter fees - expressed as a percentage. Save on everyftM for your home. sho{pirg, repairs. rertoveim, amore Lawn more at www.cemplslehorrte.cenVChase, and you'll be iWnefted sit a 8364508 `a chTember one9.dto this grnaTrftn wnOffer-wftcl includes a $20.00 Lowes Gift Card! This Statement Is a Facsimile - Not an odgttfal X 00000ol FM33335DO o00 N z err 07,1601 P.O., err 05660 M- 61197 157100.00pOtet ISM 64 of 141 Statement for account n urnbor: 54(" am i4ooooii Now Balance Payman Due Date Pmt Mo Amout Wronum Payment (10,333.19 07!11/07 $000 $20500 tMeywr d.aaY I..yaete to Cl.afe CrrN 9rvlsa Amount Enclosed Ma.. tl6ess a a-"h"raN flirt m bed.. 5401683014900911000206DO010333195436435 CHASE O I P era b a o09plal I hav my 907 P1aI1O11M 007148Fx ztaav0 I...III.I..I..I.I..I..II...I.I....II.IJ...t1..1.1...11..11..1 USA M MCLAIN 116 WYNNVMD AVE CAROMEM13ER SERVICE CARLISLE PA 17013-1165 PO BOX 15153 VALOP4 iTON DE IONS-5153 I...Iil...111...... 1I..II....II...11.11A..1...A M...1.1.1 1:5000 L60 281: 209 30 L1.9009 L L91* OpanlhplClceirg Dale: 06I02b7-07101A7 CUSTOMER SERVICE CHASED ? 0 4100-946- ° 00 1 2°0° n1 14 h PPsyna ue: Esp rot 611446-3M 1-9 33 011 TDD 1-600-965-0060 P.yW.,. ,-900-4367964 Outside us. con Comm 1-302-5944200 MASTERCARD ACCOUNT SUMMARY Account Nu - : 549 4®41499 on, ACCOUNT INOUIRES Prewous Balance $10.525.22 Toot Credit tine $12.100 P_O- Box 15294 Paymem. Credits -$250.00 AvoWbie Credit $1,756ltal mr" lon DE ,9450-5294 France Charges -U7.97 Casth Accra. Una g , $4.440 New bounce, 10.333.19 Avalablebr Cash $1,766 PAYMENT AOCREss P O_ Boa 15153 Yokmglon, OE 194866153 Y191T U3 AT: REWARDS SUMMARY To redeem your paean, cod the rarlEe on tha Preface points wence 371 back of your card or log on to Points earned for bronco dirges 6o www.dhew.corNaedtcards Points serned on pucnasss 0 Nov blal pants balance 420 35 pouts to expm on alatament data in August 2004 TRANSACTIONS Trans Amount Dale Relevance Number Merchant Name orTremation Oeaaipion Crude Dori, 06112 11631632740 - TRAM YOU SM-00 FINANCE CHARGES Daly Periodic Rots Corresp. F Average Daily inance Charge, Due To Transaction Acb.misled FINANCE Calegory 30 days in cycle APR Balance Panache Roe Fee Fn Charge CHARGES Purchases V .03559% 12.99% $520.03 $5.56 $0.00 $0.00 $5.56 Cash advances V.06642% 2424% $0.00 $o.oo $0.00 $000 $0.00 Comenienoa check V .03669% 12.90% $0-00 $000 Saw $0.00 $0.00 Balance 0Na w V .03669% 12.99% $2.749.02 $29.36 $0.00 $0.00 $29.36 Promotional summary .01094% 3.99% $6.797.17 $19.03 $0.00 $9.00 $19.03 Promolioral summary .01094% 3.99% $641.95 $2.11 $0.00 10.00 $2.11 Promnio al summary .01094% 3.99% $690.15 $191 $0.00 10.00 $1.91 Total trance charges 157.97 EIIacBve Annual Percentage Rule (APR): 4.74% Please we IrOw mamon About Your Account aacion 1r balance commis ion coed . grace pang and onar ngortant iNanmeti0n The CorrespoMay APR istha sleet interest you pay often you co" a balance m try vaneadim megwy. The Eltocive APR represents your twat bndbe hlhargea-irheludag vensoelon tam much as cash advance and bMege Vdts/e lees - e¢romod as a percentage. IMPORTANT NEWS Brooksone offer: $15 oll $80 purchases vts web or phone Identify y maN as a Chase customer. Mention or enter code CHASE at cnclroun. Nail Brookoda.corn or coll 11100-9211 70ND Not valid in stores Eadudestee. slipping, giftcards, Tenyv-Pedic, Sony and Bow products. Expires 12I31A7. 8364508 This Statement Is a ft He - Not an original Xaomom F601330e06 000 N z a 07,074" P.C.t at 05M YMW3 4 t sae00000coaesa401 122 Of 141 Statement for accoun rRaabor: 5431 Gm 14vo Do11 New BalerM Payrtnrs Due Date Past Due Arrwm Minimum Payment $10.14228 D8/21M7 $0.00 $202.00 Mw drank gyaMaw Clam Card Savlaea. Amount Enclosed 'E '=.ydwr as+ar W rt PM on 6adr. 540168301490D911000202D001O142885452428 CHASE O I warn b p5r'OIbatsleprooliorW 1 tni read the arKi PoseAlaldr and mey cancel any lime. 32165 SEX 2213W 0 1...III.1..I..I.I..1..II...1.1.... II. Id. M 11.1 L.. 11..11..1 USA M MCLIN 116 yVYNNW000 AVE CARDMEMBER SERVICE CI1 g2 PA 17013-1166 PO BOX 15153 WILMINGTON DE 19886-5153 L..111...1ILnM.ii..Il.... 11...ILIL.L.I... JIM ...1.1.1 8364508 45000 L60 284: 209 30 L49009 L L9ae OpatngiClosirg Dale: 07102107-00101/07 CUSTOMERSERMCE Payrneris Dow ? ?Z 00 in LS. 1-BDD-945-2300 aymml Due. CHASE O M 'r l P EspMd 1-e88-446,3308 TDD 1-030-955.6060 pay by phone t-8034367956 Outside U.S. CON collect 1-302-5940200 ACCOUNT 1NQWRIES MASTERCARD ACCOUNT SUMMARY Account Number: 5401 600 1490 0511 P.O.8o:15296 WNmirglon, OE 19850.5296 Previous Balance $10,333.19 Total Credit line $12,100 Payrtnall. C`edit& 4250.00 Awslable Credit $1,967 PAYMENT ADDREss Finance Charges -569.69 Cash Access Une $4.640 P.O. Boa 15153 New Balance 70.142.88 /Wadlbta for lash $1.957 VMlmnglon. DE 196863153 ==rIblar6dWwds REWARM& NUARV To redesn Your points. of the nkarbar on the Prwiouspoinla balar.ce 4p beck of yolk card or tog on m Pants earned for finance charges 60 vavw.dlasemrNOeditrads Points earned on p -"has as 0 New told points tailance 35 points to expre on staternerd dole in August 2006 TRANSACTIONS Trans Anvers Date Reference Nrrnber Merchant towns or Transaction Description Creds DOW THANK YOU SM.00 07/1912002002742015637200007 PAYMENT- FINANCE CHARGES Finance Charge Daly Periodic Rata Corn P. Average Daily Due To Trarnacfon Aeamilisad FINANCE Category 31 days in cycle APR Balance Parodic Rae Fee Fn Charge CHARGES Purchases V.03559% 12.99% $525.71 $5.80 1110.00 $111U0 55.60 Casts advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Corwanionce check V .03559% 12.99% $0100 $000 $000 30170 $11 W Balance transfer V .03569% 12.99% $2,779.02 S30 68 $000 $0.00 $30-86 Promofianal summary .01094% 3.99% $5.623.50 $19.08 $0.00 $1.00 $19.09 Promolional sanrnsry .01094% 3.99% $642.21 $2.18 $0.00 $000 $2.18 pronxisonal svnmary, .01094% 3.99% $580 47 $1 97 50.00 SD 00 $1.97 Total fnanxe charges SSG so Ellectlve Anal Parentage Rant (APR): 7.09% Please see Irdormalion About Your Accent section tar balance computation method. grata pond, and other imporlard irdon.alon The Corresponding APR is the role of interest you P9y coal you nary a balance on air transaction caegory- The Efleci rre APR represents your tolal firtsnce charges - including transaction bas such as cash advance and balance traveler fees - expressed as a percentage. This Statement Is a Facsimile - Not an original X0000001 FI533316310 am N 7 at WASA1 Paaat dl Goals WW 33.05 2.310000t00ooamam 26 of 141 Statement foraweotrrt.nm. bar-. 54016830 1490 0911 New Balance Payment Due Date Peat Due Amount Aanimum Payment $9.984.19 09/22A7 $000 519900 taupe your d.eek able to Cho- C.8/ 9entaa:s Amount Enclosed 'i =.dAees vat rtrl? Pmt - back. 540168301490091100019900009984195470823 I'All...III...... 11011...111-11.1LJ.d....11,11... 1.1.1 auteeol z2.SW D LISA M MCW N 716 NMIOOD AVE CARLISLWYN E PA 17013-1168 CHASE 0 I wara?gans?e brial [he ve may moil any Rlm « etIngs--RIr' I...111,1,.1. ...I.I....II.Id...11..1.i...111.11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19666.5153 .:5000 160 281: 209 30 149009 L L9a' 0peningi0osirg Date: CHASE O Wrimuum PPufmom Due . 08/02/07-OW02A7 CUSTOMER SERVICE m in U.6. t-NO.44646-0 ESpeAet i-6961-3303306 TOO 1-900-955"8060 Pay by phone 1-800436.8/158 Outside U.S. Col coma 1.302-594.8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 600 1490 0811 ACCOUNT INOWMES Previous Balance $10.142.66 Total Credit Line Payment Credits 4220.00 AValable Credit Finance Charges $61.31 Cash Acaee line New Balance 994.19 Avaleble for Cash $12.100 P.O. Box 15299 $2.115 y6lrnrgtom OE 10850.5296 $4840 $2.115 PAYMENT ADORE" P.O. Box 15153 mar irgton. DE 19696-5153 VISIT US AT: Warta chass,oorniantilIcKdo REWARDS SUMMARY To redeem you points. ce1 the Mgrber on the Previous nts balance 409 bark ol you cord or log on 10 Points owned lw lananoe charges 62 WWW.Chw.mMQedhC" Points owned on purchases 0 Now tote) Poona bsYrce 551 35 points to eapre on statement doe in August 2008 TaeuCeCT1ON5 Antolini Trans Credit Debit Dale RNnance N R*w Merchant Name or Transaction Desafpwn 0 0 FINANCE CHARGES Finance Charge Daily Periodic Rata Correap. Average Daly Due To Transaction Acasnulolad FINANCE Category 32 days in cyde APR Balance Periodic Rate Fee Fn Charge CHARGES Plnrd*Mm V.03569% 12.99A. $01.63 $505 $0.00 SD00 $000 $6.06 $D 00 Cash advances V .05641% 24.24% $0.00 $000 00 $0 $0.00 00 $0 SD.00 . So.og CorwerniMCe check V.03569% 12.19% $D.00 . .11 32 . 00 $0 WAS $32.01 Balance ireraler V.03559% 12.99% $2.810.36 . 5 . 00 $0 $019 $1e.96 Promotional sarirnary .01003% 3.99% $6.419.85 4 27 $18,96 25 $2 . 00 $0 $0.00 $2.25 Promotional summary .01093% 399% 2 $6 . 03 $2 . 00 $0 $019 $2.03 Promotional summary .01093% 3.99% $550.61 . . $61.31 Total france charges EffeC0ve Annual Percentage Rate (APR): 736% Phase see Information About Your Account section for balance computation method. grace period. and other importerh information The Corresponding APR is the roe of interest you ray wlan you carry a balance on any ranasclion category. The Efleclive APR repseena your total finance charges - including transaction pew such w cash edvence and balance 1, 00 W few - expressed as a percerdege. IMPORTANT NEWS Your 2007-2008 Privacy No tcoion is ercloeed for your record. 8364508 This Statemer Is a Facsimile - Not an original X 4000001 F1333316DO we e z or maaav fto.. a. Gum .rd... elite 24aormDIDOMIlM 24 Of 141 statement im accotatt number: 6401 am i4go 0911 Now Balance Payment Due Date Pmt Due Amount Minimum Paymam $8,838.87 10121)07 $0.00 $10600 splreyaw d.etlr ?t.bte to Chase Card 5*001 e:< Amount Enebse0 ? leer sdeoss a e-me7 Print an back 54016830149009110D019600009838875492252 4=76®1 ZV" 0 USA M MCLAIN 1161M/NNWOOD AVE CJIRLISLE PA 17013-1168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I...IIi...III..... dI..II.... q...II.{I..I..I....11.11...1.111 l: 5000 L60 281: 209 30 149 009 L L96' open nq/Cloaily Dee: CUSTOMER SERVICE 09813)07 - 10101107 parTwit Due Deft 1? _ 1? -800-945- M W CHASE O Airomm Payment Due: $196.00 EO 1-WO-446.3308 TDO 1-900-955-9060 Pay by phaa 1-800-436-7959 Outside U.S. Call CONGO 1.302-5940200 ARD ACCOUNT SUMMARY Aeao.N.t Number : 6001 66301460 0911 MASTERC ACCOUNT INQUIRIES Previous Balance 59.98410 TOW Credit Line $12.100 P.O. Box 15299 Payment Credits -$NO 00 Available Credit $2.261 ywsmrgtom DE 1985015290 France Charges 554.68 Cash Access line 07 Available for Cash 9)038 $4.840 $2.261 PAYMENT ADDRESS . New Balance P.O. Bat 15153 V6knington, DE 19686-5153 VISIT US AT, REWARDS SUMMARY To redeem your points. W ale comber on ale Previous Wane 551 back of your card or log on to Points earned 101, lotanos charges 55 www.dtme.con 0croddesrds Points earned on prctuasr 0 New lose points balance 606 35 Points 10 spin, an saternent dale in August 200a TRAMCACTIONS Amount Trans Credit Debit Data Reference Nunbe Mecllant alms or Tran.achon Oesalpson 00/21 2 9 FINANCE CHARGES Fnann Charge Daily Periodic Rate Coneep. Average Daly Due To TmnMeaon AmrnisMd FINANCE Category 29 days in cycle APR Balance Periodic RM Fee Fn Charge CHARGES Purchases V 03490% 12.74% $537.39 $5.14 $0.00 $000 0 56.44 00 50 Cash advances V .06504% 23.74% WOO 50.00 $0-00 00 $0 $00 $0 00 . $0.00 Corwaliernce chedt V.03490% 12.74% $0.00 $0-00 . $000 . 00 $0 $26.76 taxes. ste V.03400% 12.74% $2.640.74 $28.75 1 0 00 $0 . $000 $16.60 Pfdrina'aanal srr.Rliy, .010937. 3.99% $6.235.34 1 6.6 $ 04 $2 . 00 $0 $D.00 $2.04 Promotional summary .01063% 3.90% 2.38 $6 . 64 $1 . 00 $0 $0.00 $1.84 Promotional summery .01003% 3197E $560.62 . . $64.65 Total inarnC9 Mapes Effective Annual Poin go Raft (APR): 6.67% Rene age kaenleion About Your Ascent section tar balttnae computation meatod. grace period, and oats orponsa intortnaton The Corresponding APR is to tee of interest you pay when you cary a balance on any transaction Calagory. The E9ectm APR rep owls Your 10101 ffiusrne charges - including lrenaaafon lees Such as cash advance and Waco traste ter - mPrOb aid r a Percentage. IMPORTANT NEWS Add additiorel outoriaed users to your account. An addidonsl Card is emeryencir help le loved owe. Stay on tap of your account - monitor SM" in real tone. online. Add addrborml au t oraed users by coring the number an your aatameni or go to wwwchase .corNCediaassda. Enloy low web raise. Special otlna and a 8364508 dacoum too when you use your Che6et-bmz CDP6 374210 at hgra.com. CHASE O 1 wsra?0urdtaw o0lionet IfwPwmaycathe nncal enclosed any 1...111.1..1..1.1..1..11...1.1....11.1.1... N..I.I...I L.11..1 This Statement is a Facsimile - Not an odgkml X OOO m FMSa=os 000 N Z 61 venom P:a.1 a1 0560 WN 40" 2741a000a.OOK2376M 20 of 141 Statement tar, seemm raenber: Seat BB3014oogali New gala" Payment Due Dale Past DOW Anwunt IAMMUM Pgnwri $10,47121 1121/07 $0.00 $20900 ff Wla:y?ur dwcM payaalam CMa.C.rd Savlaae. Artlaont Endosd 'E DNw tlbas or aural. Priem back 540168301490091100020900010471215512891 1...111..111.1....11.. N.... 11 ...I I . I i.. l . 4...11.11...1.1.1 2a se OEM Z aalae D USA M MCW N 116 WyNNWOOD AVE CARLISLE PA 17013-1168 CHASE O wrl -0 r n prol?sC?or ioppo I Pa?ymo -miri I tmveareal- V011- may aanf00'-efU9S--D?- 1...111.1..61.1.1.11...1.1....1I.I.I... Ii..l.b.11..11..1 CARDMEMSER SERVICE 19885-5153 PO 0016-30E x:5000160 28x: 209 30 L1.9009 L L9aa Opehingnickm ing Dole. CUSTOMER SERVICE 10102107. 11101107 CHASE O PPsyrn?t?Due. 1101107 1 $209.OD nEspP nol ; 506446-? TOO 1-900-0SS-0060 Pay by pho m 1200.436-7958 Outside U.S. Call CORSO 1-302-594.9200 MASTERCARD ACCOUNT SUMMARY Aeeaan Ma 00 5491 $0014900911 ACCOUNT INOU1 RTES Previous Balance $9.939.87 Tote! Credit Una Credit 0 il bl $12.100 P.O. Box 15298 DE 19950-5298 $1.620 V00minglon Ava a e P9yrnelL Credits 3200.0 Purchases Cash. Debts +$767.44 Cash Acosss line , $4.940 AYMENT ADDRESS 620 $1 Finance Chat's $64.90 Available 6-r Cash , P New Balance 10.471.21 Vowni glori DE 198963153 VISIT US AT: 8364508 ..? c. tuue oy To redeem your Paints cat 9•e MsTdm on he ft@W p 906 beck at your cad or tog on to Pow iris aearned for firtanrs charges 56 vww.dwIDa.coMaedscards Poirss earned on puidhmss 766 Now laid pains balance 1.439 35 pons to spire on statement does in August 2008 GedN r.n Oebl Trans Merchant Nam or Transaction Description Date Resrenc?e Number 8 7 THE HOW CARUSLF;W-- $757.4"4 10!19 12922922746365277400000 PAYME - THANK YOU 20000 FINANCE CHARGES Firmrm Charge Daly Periodic Ras Carr66P. Average Daly Due To Transaction Acarnlasd FINANCE CNARGES Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge 80 $1260 Rudsses V .03490% 12.74% $1.164.54 $12,410 $0.00 00 $0 $0. SD00 $0.00 Cash advances V.06504% 23.74% $0.00 $0.00 00 00 $0 . $0.00 $11.00 $0.00 . Con,enisncce csck V .03490% 12.74% $0. 64 $3106 670 74% 112 $0.00 $0.00 $31.06 . , Balance trawler V.03490% 12. 042.14 $1709 99% $5 01093% 3 $0.00 $0.00 $17.09 . . Promotional surmwy . Prorrno0anal SMMWY .01093% 3.99% $642.17 $2.18 197 $0.00 $0 00 $0.00 $0.00 $2.18 $1.97 Promoliaml wmmery 010937E 3.99% $560 43 $ $64.90 Tote triance charges E1tee8ve Amid Per, go Rate (APR): 756% e kdormabon About Your Aoeanl scion for balance mmpus lon method. P gram peioo. and aher imporsrd hdornmeon. lews w Than Cox espiondah9 APR is 0a rate of irdereal you pay when you carry a besnce on why Tonsucem " category. ng wersacion loss The Ellecive APR represents your total finance charges - induct Such as cash advance and (alence s enfor Ism - expressed s a Percentage. IMNr1. Add addrionad authonLed ueem to your account An additional card m amorgexy help for loved ones. Stay on top of yam accou ro - mmntar ac vlty in real ans, online. Add additional authoraed users by Calling 10 number on your sslomml or go la www CJmea.CwWcrGditSrft This Statment Is a FacstniMe - Not an odgkml XDOOOOat F993=606 am N z of mmmu Pa•uah 0m" w 2$M 3a1000o°°0002986W 'jjr Of 141 Statenfent for accord number. sat un i4oo Doti Now Baklrxe Payment Due Date Past Due Amount fArimuml Payment CHASE O $11396.90 12R2A07 $011`0 $227.00 II?? Meb your osecka ydb I.Chase Coe 9erMesa llvarebrdt Rte yrr? Amount Enclosed Now address or -wr Print on book aFt- _Phpo eureseecean. P'$' ? ? reed iM b 540168301440091100022700011396905531716 702USEK2331100 I...Ill.1..1..1.b.l..ll...1.1....ll.ld...A..l.l...ll..ll..l USA M MCLAIN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1166 PO Box 15153 yMLMINGTON DE IMMS-5153 1-111...III.s.11d1aIII...II.s.II.IInL.I.... 1I.11...1.1.1 1:50001.60 281: 209 30 &49009 L &91a gK7ovg O Op aM: 1 V02A7- CUSTOMER SERVICE CHASE O s a 1 ? 1-Bpo-W5-2000 n kimwim Payment Dus: $227.00 E>?l -806-M63306 TDD i1g0.955.6060 Pay by phase 1-11100-436.71156 Outside U.S. dl collect 1-302-5W-a200 MASTERCARD ACCOUNT SUMMARY Aemr.f Number: 5401 a830/4900e11 ACCOUNT INQUIRES Prswious Balance $10.471.21 Tom Croon Lim $12,100 P.O. Box 15298 Payment Credits 421000 Available Crodrt $703 yYNnl ingten DE 19850-5298 Purclhasse. Cash. Debits •1$1.059.02 Cash Aaeses Line - $4040 Finance Charges •SM 67 Available for Cash $703 PAYMENT ADDRE39 New Balance $11.396.90 P.O. Box 15153 VBlmingtM DE 'IMM-6153 VISIT US AT: RFW ARUS SHMMAR V To radesrn your points, cell the number on the RvAcius pokes EWnce 1.439 . . of your card or log on us, Poets Barred for fuhoroa charges 77 we it these .cerNcrel"dcads Pouts sensed on purchases 1.060 Now tom points belornes 2.575 35 points 10 sapire an statement date in August 2000 TRANSACTIONS Trans Artourt Date Relerence Number Merchant Norte or Traresoah Description Credt Debit FINANCE CHARGES Daly Periodic Rse CaTeep. F Average Daily rwm Cho" Due To Transaction Accumulated FINANCE Category 31 dWs in cycle APR Balance Penodc Rae Fes Fn Charge CHARGES PUrclaeas V .03422% 12.49% $2.370.77 MIS $0.00 $D 00 $2515 CM adhrances V .06436% 23.49% $0.00 $D.00 $0.00 Woo $0.00 Comrarwar" decls V.03422% 12.40% $000 W OD Woo $000 $0.00 Bland b erw ar V B3422% 1249% 32.901.56 $30.78 $0-00 $0.00 $30.78 Pr'orrhasahsl sunery .01093% 399% $4.06.95 $16.59 $0.00 $000 $16.59 Promotional! SMMWy .010937E 3.99% $642.11 $2.18 $0.00 $0.00 52.111 Promotional summary 01093% 399% 56110.38 $1.97 $000 $0.00 $1.97 Total Timms d urges $76.67 Enacdw Annual Ferosrnage Raft (APR): 8.07% Please sea h.k),l ati011 About YOM Amprt section for balance cornpulation mMed. grace period, and oriar imporlam information The Comeeponaing APR is line rate o1 ~89 you pay when you carry a balance an any wars a lmon category. The EMecfw APR represents your hotel Mari Onages -.xhdng transaction teas such as cash advance and believe Matter tees - expressed as a percentage. 8364508 This SlatermeM Is a Facsimile - Not an original Xoo.wm Fix .+.re Dho 000 e Z w es242 P.R., ear m MeeM762114 33M OOft ONN0a.M 114 of 141 Statement for aoeard immober: 5401 66901490 o911 New Belence Payment Due Dale Poet Due Anau t Wamm Payment CHASE 0 $11.24041 01121A9 $0.00 $22400 MMkaywr d.aek Payabl* to Chase Ord S"- "ach Pl?e?nrtly?eYaI- %OR Amount Enclosed $. ylar edbass a.-rmmiyH Pnmt an back. a D"sdo? a 119 aeWm. 540168301490091100022400011240415550949 3M mn 21060 L..IIIJ..L.LL.L.IL..LI....ll.l.l...q..l.l...ll..ll..l USA M MCLAIN 116 WYNNWOOD AVE CAROMEMBER SERIO CE CARLISLE PA 17013-1166 PO BOX 15153 WILMINOTON DE 19886.5153 I...II I... III ...... II .. e..., d...I1.I1..I..i....11.11...1.1.1 o:5000460281: 209 30 1,49009 L 4900 a Dale: °penn n ,2/03A7-O 17°B CUSTOMER SERNCE n CHASE O m U2 MUS 1-1002oee ° SM4 oo PPsym Due: e E . 11446e-440-33oe ,1-10011446-330 TDO 1-800-9651060 Pay by phone 1-806436.7050 Outride U.S. can collow 1-302.594.9200 MASTERCARD ACCOUNT SUMMARY Account Nu dm: 6401 08701490 aw l AO INOUIRIE9 Previous Balance $11.305.90 Tolal Credl Line A. BOY . Box 1 $12.100P Payment. Credos -$230.00 Available Cf&M 1959 DE 190565299 DE won Finance Charges -$73.51 Cash Access Line . $4.840 New Balance 11,240.41 Available br Cash Size PAYMElfr ADDRms P.O. Boa 15153 WiNan(pon. DE 19966-6153 V WT US AT: (dL 8364508 REWARDS SUMMARY To redeem your pokts, ad to mnhbe on the Promous points balance 2.576 tack of you card or Wg on b Points awned br him charges 74 www.chase.mmOeddealds Points warred on pucnese 0 Now total poina balance 2.660 35 points b expm on aMaemert dale in Augual 2008 TRANSACTIONS Trans Amount Daft Rsterence Nu. Ibis Mardian Nate or Transaclm Deamphon crow Debit 6 ftymenf-ThorkYou FINANCE CHARGES Finance Charge Daly Periodic Rile Correep Average Daly Due To Trereacaon AeaatalsW FINANCE Category 3D days in cycle APR Balance Psnodc Rate Fee Fah Charge CHARGES Purcases V.03353% 12.24% $2.416.06 $2411 $0.00 *D.00 $24.31 Cash advarho9s V .06367% 23.24% $0.00 soon $0.00 $0A0 $0.00 Balancetrralr V V3353% 12.24% $2,931.73 $29.49 $0.00 $0A0 $29.40 Promotional aunmory .01093% 3.80% $4.764.04 $15.69 $0.00 110.00 $15.69 Promtniral summary .01093% 3.99% $642.47 $2.11 $0.00 SDDO $2.11 Promoliael wnnnary .01093% 3.90% $590.70 $101 $0.00 $0.00 $1.91 Total edance charges $73.51 Erato- Annual Parmentsge Rate (APR). 7.769E Pismo ass InIornaam About Your Accent seclon le D01artt:e wmpualon mogiod. Grace pwed. and of hr kn<rorert inimnafan Ths CorrsgaMnp APR ie 124 rate of nlerea you pay wren you carry a bWncom any lrensmon category. The EMecive APR repressnb your total 9ranca charges - klckldng traresceon bee such as cash advance aid balance vwWor lava - expressed as a perewaage. IMPORTANT NEWS Save on appliances. MP3 Playas, logs, and more a Shoppers Advatage. Earn cash-belt rewards an etgoe purclmes n anon to re bar pn0as, Get ale delals SO weir.Shoppers Adramage.caNChose, Wiers yaftl be idanOted as, a Chaos rardmeatler aligible for tins spacal Triagiarn ohs. This Statement Is a Facsimile - Not an original X0000001 Fe."?s 00 000 m 2 01 camel Py.t Om sales WW3.eom Oatamoeomeeor0 116 of 141 Statement tar accourd number: 5401 GM 14W 0011 New Balance Payment Due Date Pasl Due Amount Minimum Psynhent $11.76171 02121AI8 0000 $235,00 tiWkoywr cheek yayebla m CAaae Cord Sendm AmohrhtEncbsetl Now addsss a-vil? Prinam back. 540168301490091100023500011761715567966 1: 5000 L60 284: 209 30 1,49009 L 19fa opsnnydaangDele: 01/02/6-02/01/8 CUSTOMER SEANCE CHASE 0 ? InU.S. to U.S. I-800.45.2000 hFar m Payment Due: $235.00 Espflol 1-088416-3308 TOD 1.800-955-WW Pay by phors 1-Boo-436.7958 Outside US. Call Congo 1.302-54-8200 MASTERCARD ACCOUNT SUMMARY A.C.11Number: 640160014000011 ACCOUNT INQUIRIES Previous Balance 511,240 at Total (:netil thins $12.100 15296 P Boa O Payment Credits -f230.00 Avalable Credit . . 0338 DE 191150 Vinm n lon DE -528e n Purchases, Cash. Debts 4575.09 Cash Ads Una . 8 $4840 Finance Charges 475 41 Available ton Cash 0338 PAYMENT ADDRESS New Balance 11,761.7 P.O. Box 15153 Wdrti Vwm DE 1880-5153 an 7801 zas=0 i...11Ill. .1..61..I..I1...I.I....II.I.I...Y..I.1...11..11..1 USA M MCLAIN 115 WYNNWOOO AVE CARDMEMBERSERVICE CARLISLE PA 17013-1168 PO BOX 15153 WILMINGTON DE 19886-5153 I...III...III......Iluli....it.hhll.ll..I..I....Il.ll...l.lhi 8364508 CHASEse O RqIGVarNZhIOPY?me+a Prolet 6z. r. an e ot nssn VISIT US AT: Ida. REWARDS SUMMARY To redeem your points, call the rnrnber on tits Previous pokes balance 2,650 back al Your card or lop an to Points earned for irm+ca charges 75 wsrw-chase.0ornyaedaeads points earned on pumha 676 Now total points belarhce 3,402 35 Ants to expire an slalensnt date in August 2008 TRANSACTIONS Trans Arnoum Date Reiwance Numtsr Merchant Nerves or Tra sadia. Daeaiptbn Crew Debit You 0 V18 55541088019004045317642 SEARS AUTO CNTR 5364 CAMP HILL PA 469.35 O V20 5654750802025 70010264 A 70.00 01/20 0514460021710001317672 NEWS - SPRING ROASTY CARLISLE PA 116.54 FINANCE CHARGES Finance Charge Daily Periodc Rate Cori Average Duty Due To Transaction Aealrrallatsd FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Rn Charge CHARGES Purchases V.03148% 11AV% $2,755.80 526.90 $0.00 10.00 $26.90 Cash edverhcaa V.06162% 22.49% $0.00 10.00 $0.00 $0.00 10.00 Balmos Yar1eler V.03 14&% 11.49% $2,980.93 $20.90 00.00 *000 $2890 Prortto1ionai summery .010937E 3.99% $4.562.46 $1546 $0.00 so act $15.46 Promosonel summary .01093% 3.99% $642.35 $2.18 Wool $0.00 $2.18 promotional summery .01093% 3.99% $580.59 $1.97 $0.00 $o.0[I 01.97 Total finance charges $75.41 Enecclva Amual Percentage Asia (APR): 7.98% Please a" Wormsion About Your Aam rrl section for balance oorhputation rnsc hod, Waco period. and other anporm8 imvrmetian The Conaapondirg APR is the rate of interest you pay when you cery a balance an any Tarrsaction calegary . Th e Elfiso" APR represents your total Tamnce changes - includig varrecion teen such as Cash sdwance and butanes transfer lees - expressed as a percentage. IMPORTANT NEWS hi it time you reward yourWt7 An exclusive aclection of merChan %e has been arranged for you. tog an to Wee, reyhonrecanaer.Comrl W7arW fide" yourself area Close carehsnc.r to take ad.ertlage of this spar Reward. Hurry - expires April 15, 2009. This SmtemeT>t Is in Facsimile - Not an original R 000000+ risvav.oa 000 a z o. ObRet Pq.1 sir owes was x317 Os.0ha0aome3.xa 110 of 141 Statement for accm.K nufnbw: s4m am -moo owi New Balance Payment Due Date Pan DueAmout Minimum Paymment $11585.40 03/22AB $0.00 $23100 N p&V+Mo Amount Enclosed New widims a milYPrim Wdc CHASE O I word to ' net gPCI?hes??o rT.egr?aas r8en c 8a DladOatres on beds 01 assert. 540168301490091100023100011585405580659 esae con z Oats 0 USA M MCLAIN 116 WYNNWOOO AVE CARLISLE PA 17013-1168 I...Ill.1..I..I.le.lerll...1.1....li.i.l...ib rl.l...llr.11A CARDMEMBER SERVICE PO Box 15153 VALMINGTON DE 19886-5153 Irr rlii...lll. r....ll..llr...IL.JLOrrIoLoJI dL..Lld l: 5000 160 281: 209 30 049009 0 i9lle ?enst?Cl r. 07102)06 - 03002100 CUSTOMER SERNCE ? ?1ee CHASE O in D.B. 1-800.945-2000 Ak* mum Payment Duo: 5231.00 EapaOOl 1-88816-3308 TDO 1.900.956-0060 Pay by porno 1-600-436.7968 Outside U.S. coil collect 1-302-5946200 MASTERCARD CARD SUMMARY Account Number: 5401 0001490 M I ACCOUNT INQUIRIES Previous Balance $11,761.71 Total Credit Line $12,100 P.O. Box 15298 Payment. Credits -$250.00 Available, Credit $514 VAlro glop, DE 19850-5296 Finsnco Charged aS73.6l; Cash Ad =& Line $4,840 New Balance .585- Available for Cash $514 PAYMENT ADDRESS P.O. Box 15153 W iminlporL DE 19866-5153 VL91T US AT: www.d a,mmk:redllcads REWARDS SUMMARY To nadeem your points, cot the ntrntuar on fhe Pro ious points balance 3.402 back of your cad or lop on to Points owned for train charges 74 wowchose.mrNcadit Points awned on pvdmwm 0 Now total points balanCa 3.476 35 ponta 10 expire on slatement dole in AugLud 2008 TRANSACTIONS Trans Amount Dale Reference Number Merchant Name or Trahseaon Description Credit Debit 02121 10 52 05 227000050 167WS76 Psymervi-TharkYou $250.00 FINANCE CHARGES Finance, Change Deily P96odc Rate Corraep Avenge Daly Duo To Transaction Acc rnaaacl FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fm Charge CHARGES Purchases V.03011% 10.99% $3,145.11 $26.41 $0.00 sow $2841 Cash advances V .06025% 21.99% $0.00 $0.00 $0.00 SO.ocl $0.00 Bsla ce, transfer V .03011% 10.99% $2.9".6a U7.00 S0.00 Spoil $27.60 Prorroeonsl summary .01093% 3.99% $4.346.62 $14.26 Woo $D.00 $14.26 Promotional aunmary .01093% 3.09% 5642.39 $2 11 $000 W00 $2.11 Promotional summery, .01003% 3.99% $590.63 $191 50.00 50.00 $1.91 Total finance charges $73.69 Efaetlw Annual PWnnlage Rae (APR): 7.55% Please we Information About Your Account so clan for balance compulsion rrleNod. grace pm.od, and other innporta id inlorrnatort Thar Corresponding APR to 1M role of 9terest you pay when you carry a balance merry transaction category. The Effector APR represent your loaf loands charges - including traeaation loss, such as cash adwence and balance I - or lees - expressed s2) a percentage. IMPORTANT NEWS LMimited local a long distance coming for 524.99lnremaN Try Vonage for 1 month on us Call 1-900.6S9-41 at or visit www.yo age.comose inga37. Vonage 911 operates drnovmy See www.vonsge.conV911. Additional toss a reservations apply By responding I confirm Mat I am a Chao* olwmhar. 8364508 This Statement Its a Facsimile - Not an origiml (Doom, Fa33=DS 010 n z 0, Wane Pger dr was IiNwerdee oslo0oD01(OSSSOI X amns,](snsi? iNensAlm" 00 120 of 141 Statement for account nuobelr: 54m 0630 i4oo o91l New Balance Payment a,a Dste Put Due Amount Minimum Payment CHASE O $12150.63 0411)08 $0.00 $29363 Mrkeyear them Payable to Cress Care SeMd.i Amount Enclosed IS ?Naw tldvss or u-nail? Print -back. 540168301490091100029363012150630000007 t SEXz*am0 1...111.1.1.I.L.I..11...I.I....II.IJ...11..1.1...111.11..1 USA M MCLAIN 115 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1160 PO BOX 15153 WILMINGTON DE 19886.5153 I..JILnIIL..... 11A.o.N.oI1dL.6d...didL..l.l.l 1:5000 L60 281: 209 30 L1.9009 L L9w Upan?gK;lceirg -0: OWMB-04101108 CUSTOMER SERVICE SE ' 0 O In US. 1-a00-9,5-2000 1 " CHA A r D m: ffirlimum 9 5.1 Espefel 14MO-446-3306 TDO 1-800.955.8060 Pay by gone 1.800-436.795E OUNida U.S. Coll coped 1-302.594-8200 1-302.594-8200 MASTERCARD CARD SUMMARY Account Nu dm 5401 a=1490 091 ACCOUNT INQUIRIES Previous Balance $11,585.40 Total Credit Line $12,100 PA_ Box 15288 Payrnent, Credits -$250.00 Avalable Credit $0 Wilmngton, DE 19850-5298 Purchases. Cash, Debits 44744.18 Cash Aaxu tine 54,840 Finance Charges 6571.05 Available tort Cash $0 PAYMENT ADDRESS New Balance 12,150.63 P.O. Box 15153 Wilrnrgton, DE 1 0886 3 1 53 = US AT, www dam mmlcrediteards An overirril fee was ameued when your account exceeded the esh"whed credit lint. R EW AA M %UUMIAR_Y To reclean yore points. Cos the number on the Previous points balance 3.476 beck of your Cad or log on 10 Pouts sen for finance Triages 72 wrww.Otame.cornfaedscards Poses earned an pu times 705 New lots points bale" 4.254 35 powri5 to expire on staterMnt daa in Aug , 2000 TRANSACTIONS FINANCE CHARGES Finance, Charge Daily Periodic, Role Coneep. Average Daly Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Belerxa Penodc Rae Fee Fin Charge CHARGES Purchases V.02005% 10.24% 113.345.96 526.16 $0.00 $0.00 $26.16 Cash advances V .05819% 21.24% $0.00 50 00 $0.00 $0.00 $D OD eaar oe vensiar V .02605% 10.24% $3,01S.12 U537 $0.00 $0.00 $2537 Prorn olional euomery .01093% 3.09% $4,116.61 $13.50 $0.00 50.00 $13.50 Promotional summery .01093% 3.99% $642.35 12 11 $0.00 $0.00 52.11 Promotional ecrnrrery, .01003% 3.99% $560.50 Slat $0.00 $0.00 $191 Total finance verges $71.05 Effective Amend Pwrcentape Rate (APR): 7.26% Please see Information About Your Accoutt aacson fa balance cc Mwaton rnethod, grace period, and other inipa"m information The Corresponding APR is the rate of interest yw pay when you tarry a balance on any, tanseceon category . The Eaeclve APR repramens your total finance, charges - irhduding trerswilon teas such as cash adverse and balance irarster fees - expressed as s percentsge_ 8364508 This Statement Is a Facsttnlle - Not an original moooo. Fi613.ffi De we N z on COMM P.Ce1 dt mesa ..xsa. Dan ooreaarao.mme X W53 42 of 141 Trans Amount Data Rslsrenea Nan ber Merchant Name or Tra nsacl in Oeso ipuon Credit decd Statement for aecounl mmnbr: 541 5839 /49o Doti New Balance Payment Out Dais Past Due Amown tiartimum Paymem $11.92607 0512108 70100 $236.00 ??'?I mt.Ire year en.rk peyeal. to Orr Card 3"ces Amount Enclosed 1f 'i'r'e' Ywildress or -rd -moll Print mtrck. 540168301490091100023800011926075613112 37W OW 2121208 0 USA M MCW N 1161NYNNWOOD AVE GIRLISLE PA 17013-1188 CHASE O ch?OW jxnral gCha;? t.aat?th ? a Dia?- vas on b 0 d nasA. --Trrworg- I...III.1..L.I.L.I..11...I.1....11.1.1...11..N.1..,IL-161 CAROMEMBER SERVICE PO BOX IS IS3 VALMINGTON DE 19686-5153 I...III,..III..,...i1..II....U...ll.l I.,t..I.N.11.11.N1.i.1 1: 5000 160 281: 209 30 149009 i i4ae OpeningiCloaig Dale: 0410206 - 0SfOl= CUSTOMER SERVICE Payment DLw 1 ? 6- ? CHASEO Writmilm t Due. $23800 Es ?al .Wa 446 - Too 1-B6o-95548060 Pay by phone 1-800.435-7958 Outside U.S. call coded 1-302-SW-8200 MASTERCARD CARD SUMMARY Account Number: 54M60014900MIA000UN!"INOtNNES Pr9Mous Baance $12,150.63 Told Credit Line 00 Available Credit 4300 i $12.100 P.O. Box 15298 $173 Wilmington, DE 19850-5298 ts . P t. Cred Firarnoe Charges S.41t Cash ADosm line }$7 Avarice Cash for $4.840 $173 PAYMENT ADDRESS 926.07 New Balance P.O. Box 15153 to Irningto n. DE 19886-5153 VISIT US AT: .m dam MM&MIlkledit. 8364508 RFK •, "° ••r• °Y - _ To Mdeorn yonr Points. call the number on the Prewous baler" 4.254 back of you, card or log on to Pointe earned pored ior Trnsrnce ehsrgss 76 www ortase amrnlaadecards Points armed on purchases 0 Now total points baarce 4.330 35 pools to expm on satemsrx date in August 2008 TRANSACTIONS Amaml Trans Date Rebrame Number Merchant Name or Transaction Descr plion Credit Debit 04!21 11121122700005260881037 Payment - Ttwnk You $300.00 FINANCE CHARGES Franne Charge Deily Periodic Rea Correep. Average Daly DUO To Transaction ADaeraaatad FINANCE Category 30 days in cycle APR Baacs Periodic Role Fee Fn Charge CHARGES Purdeses V .02805% 10.24% $3.933.87 533.10 $0.00 00 $0.00 $000 $33.10 00 $0 Cash advriees V.05819% 21.24% SD-00 $0.00 02805% 1024% $7.04059 $25.59 nce YaWer V l B $0. $0.00 $000 . $2559 . a a Promotional summary .01093% 3.99% $1.079.73 $12.73 $000 $000 00 $12.73 11 $2 Prornotiorrh summary .01093% 3.98% $642.35 $211 91 $1 $000 $000 $0 SOAO . $1.91 . Promotional aunmay .01093% 319% $580.50 $75.44 Totes tirarce Ganges Effective Annual Paraernage Rama (APR): 7.49% Please see trdamation About Your Aooanl section for balance computation method, Ilam period. and other important infomnamorl. The Comaspordsg APR is ere rare of Interval you pay when you carry a balance co any transaction category. The Effective APR rWesams your total liners charges - Wckx ig va seam mesa such as cash advance and latacs transfer fees - expressed all a psror+tage- IMPORTANT NEWS Guard against idsraay Bolt and manage your aeon inter ation aims Chase ID Prclscsern. Got uNimited aeon" to 3-in-1 wade reports and snores, lily mcreorng al yonr rreda Res, fnaly stab and more. To puchow. call 1.889-717-7534 or rail www.rhasadprols0o n.c m. This Statement Is a Faminalie - Not an odglnal 0000041 F10339a Da 400 N Z Or O15M F42-1 -1 05ea WW370M t 211 o0p0ymO0070e.01 1( 0050418130®NS126rr 28 of 141 Statement for aeoeua number: s0o Gm t'wo Dort New Balance Payment Due Date Pest Due Arllonrl Mnincim Payment 511.9m,15 062188 m 00 $23000 faster - Ph yalyd.era ll?? Carets Care De11rI Plrasvres amount awn andPrint w. Nwer address a tune-? Hilt on bad. 540168301490091100023600011903155627672 sasaeew z ISM D LISA M MCWN 116 WYNNWOOD AVE CARLISLE PA 17013.1168 CHASE 0 qCahn IVBI Wrie t IdlaClo/ Di9dosras 0n u --t -vilams- ume I...III.I..I.a.l..L.I1...1.1.... 11.1 a...11A.L..ll..li..l CARDMEMBER SERVICE PO BOX 15153 WRMINGTON DE 198863153 45?00 L60 281: 209 30 3,11.9009 L L9aa ovarnlYC n9 Dale, OSAR08-0610"00 COMERS E Pnyrro.a Due Dole: -9 (I-446- 062,-00 In U.S. 1-80O2000 Minimum Payment Due: CHASED $23E.00 ESgfbl 1.886 8-446.330E TDD 140111'""060 Pet by Mo. 1-800-76-7958 Ouside U.S. call ea0ect 1-302-594.8200 MASTERCARD CARD SUMMARY Accoudi Number: 54M 06-01490 0811 ACCOUNT INQUIRIES Previous Balance 511.926.07 Tote) Credit L.te $12100 P.O. Box 15290 Payment Cretins -5250.00 Available Credit $196 VYitmirgtonn, DE 19050.529E Purchases. Ceah- DOW$ 415000 Cash Aerie Line $4.840 Finance Charges .$7708 Aw a&e br Cast $196 PAYMENT ADDRESS New Balance $11,903.15 P.O. Sot 15153 Nltnsrgton, DE 19006-6153 VtlIT W AT:Iicfwrda 8364508 FIFW ARI]IS AI IMMARY To wsdsern you points. a1 the number an the Previous p7tas bear ca 4.330 bade d your cord or log on to Points wen forfrares dnagss 7a Pouts sts, an purchases ISO New total poinis bNahcB 4.560 35 ports to expire on slsimrM dale in August 2008 TRANSACTIONS Trans Amours Data Reference Number Mardian Name or Transaction Description Credit Debit 05/05 65481070126551912036902 "PLEVENEF113Y 1145 717.8481100 A 15000 05121114214227080053821113040 Payment -Thank You ?Woo FINANCE CHARGES Finance Charge Daily Perodc Rate Corresp. Average Dry Due To Transcfan AmrmaMled FINANCE Category 31 days in cycle APR Balance Periodic Roils Fee Fin Charge CHARGES Purdhaess V.02737% 9.99% $4.078.32 $34.60 so,00 s0.00 $34.60 Cads advances V.05751% 20.99% $11.00 so OD $0-00 WOO $0.00 Balance transfer V.02737% 9.99% $3.056.40 $25.02 110-00 110.00 $26.02 Promotional summery, .01093% 3.99% $1.634.42 $12.31 $0.00 $000 $1231 Promo6oral summery .01003% 3.99% $642.35 $2.10 $0.00 so 00 $2.18 Promc6aralsummary .01003% 3.99% $580.59 $1,u $0.00 $0.00 $1 A7 Toilet Irene dhagw $77.00 Effective, Annual Percentage Rate (APR): 7.70% Please sae Infor., an About Your Aocoumt section for been corlpua6on m Wwd. gratis pale4 ale 0" impcvars taorrrafon Th e Comsepandirg APR is to rate of interest you pay omen you awry a bitter es on any, ranasction caugay. The Efledve APR repesans your tole faience drerg rs - ulegreng t1- - ", 11 fees suds s cash advene and balance, transfer teas - expressed as a percentage. IMPORTANT NEWS Guard regional Kim" than and manage your credit irtormofon wrh Chow ID ProleMon. Gas a &MW appose b 3-n-1 Cra it repord and Worea doily M MOerg of you ara it Rea Seery data and news. To p,ldrsa cte 1-000-217-0291 or vlaitwww.lhalaig7mtx'eon.tpml. This Statement Is a Facsimile - Not an original 00000o1 Fas a'aD5 070 N 2 Ot aLm P.,el di OSaa WW Sea. IS00e00050005@8 1 R 0051 N9106A at913N4OM21a/1Naffi151e913210 60 of 141 Statement tw testwutlt nu be r 5401 am 1490 o911 New Balance Payment Due Date Past Due Annum Minimum Payment $11,809.67 0721M $0.00 $23700 Phasaw" ar check psyn es: lakwe Chase Card Pbssevrsa srrhouhtehclo dorn New sedrva or *-"9 Print t on back. 54D168301490091100023700011869675648067 a)Mea6r Z tssoao USA M MCLAIN 116 WYNNWDOD AVE CARLISLE PA 17013-1168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 L.eillreellieeee.dlu Me orllroilJlee6•IFnFII dle•d.Ll 1:5000 i60 281: 209 30 149009 L i9ue goaNty D: ale OPariiiig/ 0 oam2D6 - 07toiM8 CUSTOMER SEANCE 0712 in U S m ? a Mertkm Peyr 1 Dua: CHASE O 23 $ .44 6-? EspoW 1?6 TDO 14600.955-0060 Pay by, 010110 1-000-436-7958 Outside U.S. Coll cased 1.302-594-82200 MASTERCARD CARD SUMMARY Account Numb. : 54M /9]01490 M I ACCOUNT INQUIRIES Previous Balance $11.903.15 To1st Credit Line $12.100 P.O_ Box 15296 Payment. Credits 4250.00 Available Credit $210 tMtmnglon, DE 19650.5296 Purchases. Cash. Dabils +5162.00 Cash Access Line $4.840 Finance Chaves .$74.52 Available lot Cash 5210 PAYMENT ADOROS New Balance 11,8a967 P.O. Box 15153 1Mlninglon, DE 198863153 VISIT US AT: 8364508 RFWAROS SUMMARY To redeem your pointss. CoI the numbs on the Previous points tutu" 4.568 bark of your cad or log on to Poems Owned lar finace charges 75 www.cnase.ooreresdilcrds Points earned an purchases 162 New total punts balance 4.795 35 points to expre on slsleneA class in August 2008 TRANSACTIONS Tram Annum Date Rebrence Nufrtw Merchant Name or Traeacean Description Credit Debit own 11727722700005516Sa0661 sent You 50 OD 06M SSS41868182004016095301 CUM-AST CENTRAL PA9004)OMCAST DE is2.o0 FINANCE CHADWS Fitlerim Charge Daily Pesodc Raw ConwIpL Average Daily Dus To Transaction Acnrriiisao FINANCE Category 30 days in cycle APR Billerica Periodic Rae Fee Fn Charge CHARGES Purchases V.02737% 9.99% $4.137.82 sm so $0.00 SD 00 $33.98 Cast advances V,05751% 20.99% $0.00 $D.00 $000 $100 to 00 Balance lrawtor V,02737% 9.99% $3.092.12 $25.39 $0.00 $0.00 $25.39 Promotional summary .01093116 399% $3.307.14 $1114 $&DO $0.00 $1114 Promotiorel summery .01093% 3.09% $642.32 $2.11 $0.00 10.00 $2.11 Prorrabonal srmlary .01003% 3.99% $580.57 $1.90 110.00 $000 $1 90 Total Ina nbe Charges 574.52 E1lsatthre Atonal Pair, go Rats (APR): 754% Please ass Wormlion About Your Account seclon tar bawrhm comp iatfon nnsill grans poto0, ale of hr in pwtm bdormatm - The Corresponding APR hsthe rate of ~90 you pay anan you very a basses on arty Vansechan category The Etleetivs APR reprssOne your Cowl tiwvm chergee - Including transaeim ban such as cash advance and belanm Vaster teas - expressed as a percentage. IMPORTANT NEWS Guard against iderely than and "map your credit inlormalnn win Chase ID Protection- Get rraiaiwd access to 3-n-1 cradil reports and scores, daily rmonto ft of you credit Bea limey starts and more. To purciew. call 1-000-217-0291 or visit www.dmastQxotacinn.com. This Statement Is a Facsimile - Not an original 0DOMn Fts Oe WO N Z M GM7M P•p•1 at a= MW Wee 1 Bit mooaoOaWee•oh X oomwm2m 11,09t32110a19130521het]to CHASEO pa?osyiieeb ?o?n? abedt d nssrt. '-11109-D'?- I.r.III.Ir.1..1I..1.r11r..I.I....II.I.I.MU..Irl...llr.ll..l 46 of 141 Statelllard tar s oomm raaaber: 541 863014sa Da11 New Balance Payrralt Due Date Pea, Due Amount Mrlimum Payment w c $11.75521 ON21.08 $000 $23600 CHASE . asses your chsd payaNa te: Chase Card warless. PINS* arks amount enclosed. Naw address air emsi? Print an Ndt. 54016830149DD9110D023500011755210000006 739@aEx22140e0 1...111.1..1..61..1..11...1.1.... 11.1.1.»10..1.1...11..11.. USA M MCIAIN 116 WYNNVVOOO AVE CAROMEMBER SERVICE CARUSLE PA 17013-1168 PO 8DX 15163 WILMINGTON DE 19686-5153 I...III.»111......II»10....n...11.11.J..1....11.16.,1.1.1 1:5000 i60 281,: 209301,1.900911,1,910 OpeningAposino Dale: OA02Aa • owime CUSTOMER SERVICE ON: s m 45-2000 1-0 01121 in 00- S. U 00 CHASE Peyme n oue O n m 1104 $235 1-ae1f-44o- 330e Esp e M TDD 1.600.955-8060 Pay by phone 1-800-4367968 Outside U.S. can collect 1-302-594-6200 MASTERCARD CA RD SUMMARY Account Number slot tti10149009tt ACCOUNT INQUIRIES Previous Balance $11.889.67 Tolal Credit Line $12.100 P.O. Box 15290 Payment, Credits -$250.Oo Available Credit $344 VilnmrgMR DE 19850-5298 Ptrd,ases, Cash. Debts .$37.20 Cash Aocese Una $4.840 Finance Charges 4$78.34 Available for Cash $344 PAYMENT ADDREBS New Balance 11.75521 P.O. Box 15153 1010IMnngton, DE 19886-5153 Vt91T US AT: REWARM S IMMARY To redeem your poirsa, call the number on to Previous points balance 4.795 back of your lard or loo on to Pokes sts for finance, charges 79 wwwchase .tDrrfQeditcords Ponds saw an purl aass 38 New totalpoints lea- 4.912 35 points to expire on slatamsnt date in August 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07103 25247808185002330325571 NOITTHSIDE VETERINARY C CARLISLE PA 7.20 07/21 12032032700005641083839 Payment- Thank You 250.00 FINANCE CHARGES Finance Charge - Daily Periodic Rase C:oreap. Average Deity Due To Transaction Aeararfafetl FINANCE Category 31 days in cycle APR Balance Periodic Pala Fee Fin Charon CHAROE3 Purchases V.02737% 9.99% $4.360.48 537.00 $0.00 $0.01) $37.00 Cash aovande V .05751% 20.99% $0.00 $000 s0.o0 $0.00 $000 Baloncelrratar V,02737% 9.99% $1.118.02 $26.46 $0.00 $0.01) $26.46 Promotional summary .010937E 3.99% $3.165.41 $1073 $0.00 $0.01) $1073 Promotional summary .01093% 3.99% $842.35 $2.18 Saw $0.00 $2.18 Promotional summery .01093% 3.99% $580.59 $197 $0.00 $0.00 $1.97 Tolai finance charges $78.34 Elective Annual Percentage, Rate (APR): 7.929E Please we Information About Your Amount awfor, for balance, computation me hod, grace prroa and ad wit imponswit information The Corresponding APR is to rule of interest you pay atop you carry a balance an any Instussision category The Etlective APR represents your total finance charges - including transaction fees such as east, advance and balance Irensfa fees - expressed as a percentage. IMPORTANT NEWS Guard agents idemiy that[ and manage your credit information Wth Chase ID Protemom Gat trdirftad Boom to 3in-1 crude report and agora, daily monitoring oil you credit ties. timely alert and more. To PJMMS a. CON i-WO-217-0291 or visit www.crureeidp.osemon.mm. 8364508 This Statement Is a Facsirnlle - Not an original t10W001 Flsea916De We N 2 01 0500se1 Pq.tdt meN ww Tama 2141 WWm0007aRr x eoM arnssulNausu11.e1asolNnosst 36 of 141 Statement for account number: 54M 66301490 0611 Now Balance Payment We Date Past Due Amount Minimum ? CHASE 0 Chk low S.yr.yebleto: Ch i Cad h elp yi New w res avant ernrlwv ad drtw or e-mail Print Prwt on haft. 540168301490091100040a57012101570000007 40=aO122970 0 1...IIIrI..1..1.I..1..Ile..I.I....II.IJ..A..I.I...IIJIA USA M MCwN 116 WYNNWOODAVE CARDMEMBERSERVICE CARLISLE PA 17013-1166 PO BOX 15153 WILMINGTON DE 14886.5153 1-111...III ..... J1.111... 11...11.U.. L.I....11 J1... LL1 1:5000 160 281: 209301L.900911,11,91' ppyt prq eats: 0&02Q8 " oWDIMO 1 d 0 9R 1/08 in U.S. -000-445-2000 CHASE O Miimum Payment Due. $408.57 ESPOW 14888.4463308 TOO 1.800-455.8080 Pay by phone 1-800.436-7958 Outside U.8, can coned 1-302-50441200 MASTERCARD CARD SUMMARY Accouni Nu plow : 5401 SM 11 490 60/1 ACCOUNT INWIfiE3 Previow Balance $11,755.21 Total Credit line $12,100 P.O. Box 15298 Payment. Credie -sno do Available Credit $0 ViAl inglorl DE 19aso-529a Purchases, Cash. Dabts +5349.11 Cash Access tine $4.840 Finance Charges +$247.25 Available for Cash $0 PAYMENT WORMS New Balance 12,101.57 P.O. Box 15153 VFlrrirgtork.OE 196883153 VISIT US AT: - 19L The haw APR ad promotional raw expiration receded on the statement is a resit of a Iola payment on your account. For your comaliao, you con always pay antrne by accessing ow webaite displayed on this statement. REW ARns Sit INUARY To redeem your point, as the number on to Prevlcus poiraa balarnee 4.412 beck d your card or log on to Points earned for francs charges 248 vhM it iass.aemhcedicards Points earned on purchase; 311 Total pools expired this period 35 Now total pants balance 5.435 35 pools to expire on statement dale n September 2008 TRANSACTIONS Trans Amount Daw Relerwx:e Number Merchant Name or Tram Desotipeon Credit DaW Etlec1We Annual Percentage Raw (APR): 23.99% Rene we Information About Yaw Accoun secson for balance tompuasnn, righ , gram period, and other intportea inlormafon. The Comeeponding APR is the rest of intwew yw pay when you carry a balance an arty transaction category. The Emectw APR reprefew your total finance dtarges - mcMUtlig irensecson lets such to ®h advance and balance transfer lees - expressed as a percentage. This Statement Is a FacsMile - Not an original 0000001 FB D7 000 N 2 or m0t01 P.O., dr am" ..A rte 4aAe MSt e000elaeW®Oh Xam 40 of 141 FINANCE CHARGES Finance Charge Daily Periodic Ras CorresP- Average Daly Due To Transecson Arbrscated FINANCE Category 31 days in cycle APR Balance Penodic Rae Fee Fin Charge CHARGES Ptirdafes V .05573% 23.99% $0.305.73 $170.07 $0.00 $0.00 $170.87 Cash advances V .0657M 23.90% $0.00 SD 00 $0.00 $0.00 $0.00 Balance Valli V.06573% 23.90% $3,748.47 $75.38 $0.00 $0.00 $76.30 Total thence charges $24725 Statement floor accotert nurnber: 5801 om i490 0911 New Balance Payment Due Date Past Due Amourm Minimum Payment $7,418.26 100`21108 $0.00 $351.00 - Meta y- cJ„.! Ploy u. te: Chase Cud a•nrkee• Please •0`a• arrant Pratt Neer sadness cr emd? P Pmt on bed. 540168301490091100035100007418265711322 41456 Sao 2DalaD USA M MCWN ii6 WYNNWOOO AVE CARLISLE PA 17013.1168 CHASE O &=.:t9 lc to p@0p A I...III,I„1.,1.6.t..li.,.I,I.,.,Ilrl.l...llf.111.r r111.i1.rl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,60284 209 30 149009 L i9ue ppeningKK:losirg Dale: 09l02be -10i01AM CUSTOMER SERVICE Due Dole Payment -2900 nUS 1 Payment Due: CHASE O ,l 1-NO446 eee-446.33ae x; 00 Too 1-800.9554MW Pay by phone t-DD0-436-7858 Outside U.S. cell collect 1-302-594.6200 MASTERCARD CARD SUMMARY Account Nu able : 5401 OM 14900011 A000UNTINOUIWES Previous Balance $12,101.57 Told Credit Law $12.100 P.O. Box 15298 Payment, Credits -$5,000.00 Avallo"s credit $4.681 VAImmOlon, OE 19a50-5298 Debits a57a.oo Cash A¢ase Uns Cash Purchases $4.540 . , Finance Charges 4238.69 Available for Cash $4.681 PAYMENT ADDRESS Balance 7,418.26 Box VAkkra15153 rgton OE 19886-5453 VISIT US AT: ewer ctaae cenrhkreditarrls 8364508 °CW A RM c, ruuA oY To redeem your points Cal 1-800-603.2265 or Prenous Points Salancme Points Transferred In 0 log an to www chase-mmMcretlaards 5,436 Points Earned On Purchases 0 Points Expired This Period Current Points Tsai 0 5,435 35 Points Die To Expire on Statement in September, 2009 Congraluistonal You here wro gh parts to redeem. Log on now to ve -dmw.comlaealtxMS to see the complete selection of git carddgih carti6ates and to redeem. TRANSACTIONS Tram Mount Date Rebrence Number MachantNo me or Transaction Description teat Debit LATE LATE?F 39W00 00 . 10101 12752752700005974661440 Payment - Thank You 5,000-00 FINANCE CHARGES Finance Charge Daily Pedodc Rate Corraep. Average Daily Due To Trant adon Accumulated FINANCE Category 30 days in cycle APR Tana Periodic Retie Fee Fin Charge CHARGES Purchases V .065731E 23.99% $8.298.73 $163.64 50.00 50.00 S163.64 Cash advances V .065739L 23.99% $0.00 $0.00 $0.00 50.00 b0.00 Balance transfer V .05573% 23.90% 53.606.93 $75.05 110 00 50.00 V506 Total finance charges $236.69 E1lectl" Amual Peraenlaye Russ, (APR): 73.999E Please we Intomlation About Your Account section tot balance compilation me0hod. grace period. and other nptnat inlommfah The Corresponarg APR is the rate of West" you pay when you carry a balance an any tenaaction alayory. The Effective APR represents your lost finance charges - ncuding trabaction bee such as ash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Guard against identify theft and manage your credit information with Chase Idenfty Protection. Get access to 3-n-1 credit reports and scoree, daily monitoring of your credit firs, tmdy alerts a" more. To Purchase, all 1-WO-217.0291 or visit www.dheneidprotedion.mm. This Statement Is a Fmnknile - Not an origirml f10000e1 Fanam D s 000 a Z oh ON ref P,p• t art lease 0`M- Xui a 315h OOOare 1.5m x 0871 e817a52 11101 3M 30 of 141 Statement for accent number- swt am 1+Bo oats Now lBal6922 1 ance Payrrtant Due Data 6 Past Due Arna$000 $22200 rlt kanimum f Samoan CHASE O r? Ms! ywr ched Py'able re: L Chow Qra a PWwwnaesrourot wMOasd. Novi saMas or e.. wordw° Prier on Wd.. 540168301490091100022200007169220000005 a7a9ah Z30ASo I...IILL.L.1.1..1..11...1.1.. 1.I1.1J...U..1.1...11..11.. USA M MCLNN 116 WYNNWOOD AVE CARDMEMBER SERVICE CARLISLE PA 17013-1166 PO BOX 15153 WILMINGTON DE 19886-5153 1...111...111......1 L.11....11...1616.6 J.„.II .11 ...1.1.1 1:5000 160 281: 209 30 149009 L i9se OpanngKlosig Dew: 1QWA18 - 11A12A18 CUSTOMER SERVICE Pua $ 00 -a O CHASE O i,aw h 22 -96 3300 E spwW ; TDO 1-ODO-965.0060 Pay by phone 1-000-4367950 Outside U.B. caw collect 1-302-5944290 MASTERCARD CARD SUMMARY ACCd.aht Nut 5401 sew 1490 9911 ACCOUNT INQUIRIES Previous Balance $7.418.25 Total Credit Une (12.100 P.O. Box 15290 Psymant, Credib -5400.00 AY&W*Cislfit $4.930 Wilrnrgton, DE 19OW5290 Finance Ctargw 4150-a0 Cash Access Line Available for Cash $4.040 $4.040 PAYMENT ADDRESS . New Balance 69.22 PO. Box 15153 WAmirhgloM DE 199063153 VISIT US AT: REWARDS 81111 RY To redern your points, all 1-000.603.2265 or Previous Ponta Balance 5.436 log on to w.vw chase.cemtredscads. Points Esmed On Purchases 0 Points Expred This Period 0 Cunars Points Total 5,436 35 Points Due To Expre on Stsaemera in September, 2000 CorgresAetions, You have enough Pants to redeem. Log on novr io www.drse.corNcedsca b are Ts complete selecion of gill chudalgift cerkicetw and to rsdewn. TRANSACTIONS Trans - - Anburs Date RMwace Number Madhss Name w Transaction Deaaipson cram Dabs 10121 1295295270000606311CM1 t - Tfurtu You -00 FINANCECHARGES France Charge Daily Periodic Rate Corresp. Average Dewy Oue TO Transaction AcaxnLOd FINANCE Category 32 days in cycle APR Balance Periodic Role Fee Fn Charge CHARGES Purchases V .06436% 23.46% 53973.03 $8183 $0.00 $D.00 talS3 Cash advances V.05614% 20.49% $0.00 $0.00 50.00 50.00 $0-00 Bwanatran6/a V.O6436% 23.491% $9.356.50 569.13 $0.00 $0110 $69.13 Total tnance charges $160.96 Elhwdw Annual flrcenlage Rao (APR): 2L49% Please sea khfcrrrrssOn About Your Accent section for balanc?e cempu>aforh meehod. grace period, and other imparsaa intanns on The Correapnndtrg APR a She retool intereal you Pay when you carry a balance on any transaction Category. The Ellaeive APR represents your total *a" Uarges - inoludng transaction tees such w cash advance and balance "Mier fees - errgrreard as a paoasage. IMPORTANT NEWS Receive $10 oft Florida's final dime when you ids" Yourself as a Chase Cadnhenber at N's Fara+wy F.- 11 BIG SAVINGS an 20 Its Navel Orengw, Grapalnwl or Mixed. First Trra Buyers Only-526.96 Plus SaK Unit 2, Ends 01115. Vas vivre er*oyc&w com Or Call' 1-886-231-2314 1380.015X Did you know you rn use your acct cad 10 access ash whenever you road M M you need is your PIN (Personal Wausfiadcn Nurrber) and an ATM. 8364508 Just call 1-410131-297.979 to create ywx PIN today This Statement Is a Facsimile - Not an original 0000001 FB us oeo N 2 .n Wn@ ft'., 4, V.M -W "M 3WI 00000000094mp ]C aen als+s+neans.al 38 of 141 Statement let aceourd nttanber- 5601 Saw 14go aY11 New Balance Payment Due Dew Picot Due Amount Mrannint, Payment $4.432.87 1W21 W S000 $15700 Male wi check Payable to: d Ch*-Cwd le.le.,. Pleasawriw arraionxnt aMmse. Now sasses or email Pmt an tank. 540168301440041100015700004432875751289 12MEEa 233Mo USA M MCLAIN 116 WYNNWOOOAVE CARLISLE PA 17013-1168 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 h:500D L60 28i: 209 3O LL.9009 L L9lf' OngK7airtg Dee: pan 1 tN3A8 - 12101N0 CUSTOMER SERVICE CHASE O ?' t mu ' 1 15 33 ,t ae m $ 308 Es?l ;?-43 TDD 1206-955-Mao Pry by Pltde t-600-436-7956 Outside U.S. ce110u1we1 1-302.594.800 MASTERCARD CARD SUNNARY Account Nurnbat 54101 66301490 9911 ACCOUNT INQUIRIES Previous Balance $7.169.22 Tort Credit Lne $12.100 P.O. Boa 15298 Payment. (]edits 32.85000 Available Cr661 $7.667 Wtrni gion OE 19650-6296 Finance Chargea +5113.65 Cash Accon line $4.940 New Balance 32.87 Ave ale, tar Cash $4.640 PAYMENT ADDRESS P.O. Boa 15153 yWmirgton.DE 198063153 = US AT: micraditcards 8364508 REWARDS SU9199ARY To redeem your points, rot 1-000-603.22 or Previous Points Balance 5.436 log an to www_d+ax.conYasASrards Posts Earned On Purchases 0 Parts Expired This Period 0 Current Points Total 5.436 35 Points Due To Expire on Statement in October. 20109 COmgraiulaeahs! You have enough puma to redeem. Log on now b www.tcase.cerrdoaditr:ared b see tis Complete ssleam of gift cardsolt cartiFats and fo redeem. TRANSACTIONS Trans Amours Date Relerance Number Merchant Name or Tro nseclton Dsaiplat Credit Debit 11/19 13243242700006191204245 Payment - 7= You 50.00 11/221327327040000844673628 Payment-Thank You 2.600.00 FINANCE CHARGES Finance Charge Day Periodic Rate Corresp. Average Daily Due To Transaction Acaxnlaled FINANCE Category 29 days in cycle APR Balance Parodic Rile Fs Fin Charge CHARGES Pu daises V 06299% 22.99% $2.x75.02 $52.52 $0.00 50.06 $62.52 Cash advances V _05477% 19.99% $0.00 110.00 50.00 $0.00 $0.00 Balancetransler V.06299% 22.99% $3.346.19 $61.13 $0.00 $0.00 $61.13 Total finance charges $113.65 E1fed6Ve Antmal Poroamtege Raw (APR): 22.99% Pleaee sea Intorrramon About Your Acoout section tar baertce computation rMhod. grace period. and other importers intormetan The Corresponding APR is the rate of merest you pay when you carry a balance an any trerrsOion category . The Eflocive APR represents your total fltlence c irgs - inckicht tearsecion ties mxh as cash advance and balance transfer teas - erpreseed as a pace. go, IMPORTANT NEWS Mahe be days marry a brighl with holiday gig torn 1-9W- flowers. com(r)l Save 15% on yaw purchase of trash lbws.. gig boalieW chocolates and more when you Identify yourself as a chase cerdirrionber and mention code daee22. For details please vist war 18001oweraarNdadaner This Statement Is a Faco;Mle - Not an adgkul OO.Ot Fe1321MODS Sao N 2 el pam20r Pm.I d1 OWNS M-12M trim 000000012O" yt con "9126" "s,asa ins seas CHASE 0 ?IrM nwd tie s a son insert. Uwe i.,.l 11.1..1. d. L.I..11...1.1....11, I d... N, .1.1...11.. i i.. i 130 Of 141 Statement j.-shit -,bar- 5401 Obi I' l l Now Balance Payrnent Due Date Pant DUD Amen W i- Peymmt 01121109 $0.00 $19700 $4,426 03 . Yale ymraSar'1016. ew: 9enri Chest Cud e Plwsawri urntr.[ srrdoead. or o-msi? Pre.[ on tadr. Mw address CHASE 0 donal PYyfM17< PrdtD?rB Ch=l rB fdo oe re W701 nsed. '-llf$98-'-?- 54016E301490091100019700004426035767250 s. ztseo UMM I N "NO 116 yyYNNW000 AVE CARLISLE PA 17013-1186 I...I II.1 A.1.1..1..11...1.1....11.1.1.«11..1 rl...11..16.1 1w.UIu.111..... Jl..llunll...11.11..l..1....11.11n.l.1.1 CARDYEMBER SERVICE PO BOX 16163 WILMINGTON DE 19886-5153 1:5000 L60 281: 209 30 &49009 & L9aa Opwinglgosetg Dal: 12MMS-01101A19 CUSTOMER SERVICE Payffient amunwm Due Date Iam payment D. HASE O M C D 00 in U .S. 1 -6010-945-2000 E1971D7.00 3306 1-066.446.3308 Espaliol TDD 1-600'965-0060 OD T Pay by 010130 1.600436-7956 Outside U.S. call coi@O 1.302.594-6200 MASTERCARD CARD SU~RY Account Mul60: 5401681014900911 ACCOUNrINWARIFS Previous Balance $4.432.57 Total Credit Line Available Credit $12.100 P.O. Box 15296 $7.673 %Mrtwngtm, DE 16650-6298 Payment Credis .$160.00 Cash, Delta a$39.00 Cash horses line Ptrdlste $4.840 $4 840 PAYMENT ADORFS9 . Finance Charge x$114.16 Available br Cash . P.O. Box 15153 426 03 Ystrrertgtal DE 190663153 . New Balance , VISIT Us, AT: The new APR ere pr6motion6! rme stprem rotlsctW m Oia stalenmre i d!?d ash online bf psyrnea on your a¢ard- For your eomensrce, you can ah ays pry ymbade displayed on this atatemant. ocvrwortc CIIYYA.RY - To mdaarn your points ry I-800-603.2265 a 5,436 log on 10 Wane chase .comla'editcarda. Prsdws Ponta BalarcD 0 Pont Earned On Purchases 0 Points Expired This Parled 5,436 Current Pone Tole) 35 Prins Due To Expire on SW~ in October- 2009 Congratulations! You have wateh points to redewrt. Log on raw to www.dmeD.cdrrdaedllcwft a se the ComplNe selection 01 gee euddgA cendicates and to radreent. TRANSACTIONS Trans merchant Name or -Transamon Description Amass Crean Deaf Date Relerence Nuant sr 0. 180.00 12/29136/3642700006363009627 payment-Tnam You FINANCECHARGES Fin erce Charge Trermaeem Aearnlaud Daily Periods Res CorrmP. Age Deily DueTo An Charge FINANCE CHARGES Category 31 days in cycle APR Balance Periodic Rate Fee 00 $D.00 $0 $28.25 . Purchases V .08216% 20.00% $1.109.24 P11.2S 00 $0.00 $0.00 $0 $0 00 . Cash advances, V .D8216% 29.99% $0.00 99% $3.373.18 $85.91 $0.00 $D.00 00216% 29 V $8591 . . Balance Wonder $11416 Told hence charges EA c,"Ve Annue1 pwost.e9e Rate (APR): 23.99% and other imlgnan ¢a0D Para4 MW-d ! iNamelm. . Please we rdorrrrem Abotr Your Account secton la bdan- -ipL-n The Coeeepon.ding APR is the rate o1 interest you pay when you terry a balencs marry transaction category. The Eflect" APR represents your total Irene charges - including van smm fast such as cash advance and balance trnater lee - expressed as a percentage. Runmmx lt~ style with >7hs trans 1 11100-Mvivera.eom! Order now to awes IS W on tech Vw? you identify, mm" teats and more grant WIN, 0 p yovxsa!l as a Crane CeMmsraer ale msnlon code CIm&W. 836450 •For delete pease vied www.I aWFicoverseorNdisdarn er This Statement Is a Facsimile - Not an migttml aaom FuaMOS coo r z m oaaem P.O., air Cases Y11rM vac. omrsamascw serum X on Na.mm "them IW306 18 of 141 Paymee Dye Date Nw Balance Past Due Amount Mlnimun Payment F------71 $t,337.35 9D 00 $15400 Accouatl raattber 5401 6M 1490 0011 leams, h Yourd F.y..t. tar: Caere Crd 9wle.e. Pwse.t e,d, ed. [:::::= C Nw .=T .. d? Print on bed.. 540168301490091100015400004337350000003 1T379FXZ03ter0 USA M MCLAIN 118 MITE AVE CARLISLE PA 17013-1166 L..t11...IB..... .II..11....11...ILIL.L.Lw.IL11..J.LI 1...111.1..1. J.6.1..11...1.1....11.1 J. w M..N.6..11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19096-5153 1:50001-r-02131: 209301,11-.900911),9111" BtaYnwN Dew: ? uvyw.aaw.n[ o.it.w: CHASE O 0110°6-02001i0° Wramr+a Peynwn ::164.09 Payment Due Daft: 02121A8 ANtlanY aalat i.Ierrrrdee aorra riendy lammed m reuse ad. ACCOUNT SUMMARY MASTERCARD Actors"NUnaer. 54" SM 1480011`11 Previous Balance $4.426.03 Total Credit Lint $12.100 Payment Credits -$200.00 Available Gedil $7.752 Finance Charges ,$11132 Cash Aeces Line $4.840 Now Balance $4,337.36 AvelaU*la Cash PLOW REWAROS SUMMARY -? Previous Paints Balance 5.436 To redeem your pants, cell 1-000403-2265 or Parse Earned On Purchases 0 log on to sae case corrWe610rda Pants Ehpied This Period 0 Current Points Toll 5.436 35 Pointe Due To 6pire on Slid~ in October. 2009 Congreuiatons! You have enough points to rodewn. Log on now la wee deft arNaednrsds tome the oorrplels ssMClon at 0 cerdafgih cavalcades and to redeem. AI.W UHT AC*n Twirl Del of Trarwer4on Maslen Name or Tranascagn DeagagJa . 5em91tu 01/16 Payment - Thank You -200.00 FlNANCECHARGES Fnance Charge Daly Penodc Rae Correep. Average Daly Due To Tmnsadion Aaaanleld FINANCE Category 31 days in cyde APR Balance Periodic Raw Fee Fin Charge CHARGES Purchases V .062216% 29.99% $1.011.116 $25.77 Wall s0.00 $25.77 Cash advances V .06216% 29 99% $0.00 $0.00 $0.00 $0.00 $000 Balance tanale V .08216% 29.99% $3.356.75 $65.55 $0.00 $0.00 $85.55 Total liance charges $11132 Efieetive Annual Percentage Rate (APFQ: 29.90% Please see Intonn aton About Your Acm" section 111 balance computation meted. grace period. and ohs importer" inlomhaaon. The Corresponding APR is he rear of interest you pay wthen you carry a balance on any transecion category. The Etwcave APR represents your late Mane charges - including Val resebon lose such as cash advance and balance asnale teas - expressed as a percentage. IMPO Als. r9cv -? We are bringing you dear and sinplel Take a look at the now lore of your SWWMm - we hope you find h easier to read. It still has everything you reed on he Trent and bad, with irelarriatan simply displayed. Receive a 25% discount on TaxCea Online federal program at ww.hrooctmmrdesaro/la.This iftrt YOUmma Chase CJSIW r. Select the onarw 1.00- let ISright tar you Basic. Prwreurn or Sigrwaee. Veil until 1011 SMW Stages proWamns not included in olle. Get ur4mwd local a long distance telling with Vonage tar $24.99/Manh every month. You'll gar 25 grass tsaawea IN no exra cow. See Vonage.cerN911. Hgh Speed internal re- quired. For dataae den ity youraat as a Cheats cerdmanber and call 800-807 8 963 or vial wh.w.venege.aornMarl/4 lodey! 8364508 This Statement Is a Facsknft - Not an original 00W1 F0133811105 00) e Z an same), P.O., ul 05e "n -37 037, WOaDSaaan 713711. X Carl wen3fe ee370e ua 3M 16 of 141 Paymerd Due Dab Now Balance Pest Due Amount tl/nkmrn Payment o3r21ro9 $4.z3s w1 $o.DD sl4aoo Account number 5401 6830 1400 0011 M.k. year c5 .. t.ya61e to: . Caw Card 9.rviss. PYasevi o ennaderrdosed. N- address or e-W? Print on beds. 540168301490091100014000004235935807845 3srw sou z oaao LISA M MCLAIN 116 WYNNVdOOD AVE CARLISLE PA 17013.1168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTONDE 19866.5153 L.rill..cll.....di«Ilo«p.«Ildl.rL.L«.II.IL..LLI 1:5000 i60 281: 209 30 LL-9009 L i9M 8364508 Statement Date: CHASE O D2N21109-63ID,A9 M.n.oe y«r.oewnt adlr.c rlmamlw.9or?.decidti Ylrimun Payment: i1?0-00 Paynlenf Due Dal*: 031g,A9 Additional o.rnf.at kd.me6es oonveriand, located On re.NSe side ACCOUNT SUMMARY MASTERCARD Acx rd Number: 5461 6030 /1000914 Previous Balance $4.337.35 TOM Croft Line $12.100 Payment. Credis -$200.00 Aveiabdi Credit $7.864 Finance Charges .$96.56 Cash Access Line $4.840 93 Avelatte for Cash $4.540 New Balance . - REWARDSSUMMARY ? Previous Palms Balance 5.436 To redeem your Pont. cell 1400.603.2265 or Palms Earthed On Purchases 0 tog on W warm c hase.cAnVQaditOrda Points Expired This Period 0 Current Points Total 5,436 35 Points Due TO Expire on Stalemerht in Ocbber, 2009 Congratulations! You have enough points b redeem. Log on now to wwarchase .cCrWCV6tas0a W aes dre c-miffie "Iedon Of gift cads/gOt certificates and to redeem. ACCOUNT ACTIVITY_ Date d It Arrigurn ]j»!aneam Merchant Name or Transaction Dsaotion 02/16 Payment - Thank You •200.00 FINANCE CHARGES Rrwtee Charge Transaction Daly Periodic Rate Carew Average Daily Due To Fee! Accumulated RNANCE Category 28 days in cycle APR Balance Periodic Rata Service Charge Fn Charge CHARGES Purchases V .06216% 29.99% $826.67 $21.32 $0.00 $0.00 0) $000 $0 $21.32 WOO . Cash advances V,06219% 29.99% $o.oo $0.00 Balance transfer V.09215% 29.99% f:3.356.59 $77.26 $DW $0.00 $77.26 $9050 Total trance charges E"ecWe Annual Porcenriage Rats (APR): 26.99% Please ass IMormeson About Your Ac coum section for balance cmnpumion method, grace period. and other importan t nntomstion. The Correspatdag APR is the raw of interval you pay when you carry a belacs on any transaction category. The Etbclive APR represents your total inane charges - including transaction fees such as cash advance and balance transfer less - expressed as a percentage. IMPORTANT NEWS Pay your faxes the easy way today and ""ad your paymems out over time. Go to werw.rhesepeyyounaues corriftac to Pay your taxes vim your Chase cram card. Worried your fax" weren't done coineat/y? Gal a Second Look review from H8R Block for Ojai $29. In the psL we lcund mistakes In 4 out 5 of the returns brought to w for a Second Look Review. Call 877-695-LOOK. This identities you as a Chas c skin. This Statement Is a Facsimile - Not an original m000O1 F=33= 013 we N z Ot Mean Poo.t d3 05M Mrt..a]f7e. Over OOe0t3000010e R o0r1 NansnM N9135M MQr9M H14n9m Ch= PYyntNd Prdtsctor qqeern1IW latl th9 801 inse t. Disiasurs on bait 01 nand. -now--mviff- 1...111.1..1. J.1..4.11. • r 1.1....11.1.1...11..1.4..11..11..1 10 of 141 "inl Dw Daft New Bala (s, Past Due Amount Manknnrn Paymard OU21/09 $4,135.63 SD.99 5111.00 Act:owrl rmfmhber: 54D168301?0 OY11 • Matra your check payable to: Chww Card Bev" I Phase herb Mont enclosed. New address ar etrlal? Print on bark. 540168301490091100D141DD004135635825712 S14179Er Z MOD D LISA M MCLAIN t1B WYNNWOOD AVE CARLISLE PA 17013-1168 1...111,..111......11.rllr.rrlirr.ll.Il.rI..I.M.II rll...l.irl 1: 5000 L60 281: 209 30 149009 1ii99e Stelement Date: CHASE O 03/ON09-0401111109 Mnimun Payment: 51411.00 Payment Due Daft: 0421M ACCOUNT SUMMARY MASTERCARDAcceuntltumber:54ota63o/4a0057t Previous Balance $4.235.93 Total Crede line $12.100 Payment, Credils -$200.00 Avaead. Credit $7.964 Finance Charges 499.70 Cash Access Lira $4.840 New Balance - Availade to Cash $4.840 CAROVEMBER SERVICE PO BOX 15153 WILMINGTON DE 1968s-5153 B aeaa.ye your eceouha eMl11c Aachen.' contact NM41rmNNn omneri dy locoed on resers ad. REWARDS SUMMARY Previous Points Balance 5.436 To redeem ya? ponb. CON 1-800-603-2265 or Points Earned On Purchases 0 log on to wive dass.cornkredacarda Prima Expired This Period 0 Currant Points TWO 5.436 35 Points Due To Expos on Stsaemant n October. 2009 Con"Utifonsl You have enough poinu n reeesm. Log on now lo wmw.dase.00WOs61cards ft we the Cmglale selection of 90 CardegrIl COMACMn and la redeem. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description I Amount 03119 Payment - Theink You -20000 FlNANCECHARGES Finance Charge Transaction Daily Periodic Rate Carrew Average Daily Due To Feel Accumulated FINANCE Calegery 31 days in cycle APR Balance Periodic Rim Service Charge Fin Charge CHARGES Purchases .07666% 27.999E $834.66 $19.84 $000 $0.00 $19.84 Cash advances 07SOM 27.99% $0.00 $0.00 SD 00 $000 $0.00 Balance renter 07668% 27.99% 53.359.54 $79.86 $000 $0.00 $79.85 Total fnahce charges $9970 EHeetive Annual Percentage Rafe (APR): 27.99% Please see Intormatgn About You Acoaaa section for balance computation method, grace period. and other irnivriant information The CorresporMkg APR is the rats of intera! you pay when you cant' a balance on anti, transaction category. The Etlective APR represents your Vital *WCO chargee - including transaction lees such as cash advance lend balances tranaler feas - expressed as a percentage. [IMPORTANT N Save 10% at la Ou la Nero A SuiNa where yow bevel dollars go must l rfier with FREE Bright Side Breakfast. FREE High-Speed Internet and CorW NOS. Nook now though WWII) at www.LO.oorn Chssetg or cal 1-aOOSLEEP-LO (753-3757) and ask to promo 'Chamlo* 8364508 This Statement Is a Facsimile - Not an ofltghml 00000M F6 De M N Z in 04110rxh1 Pge1 d3 054141 W W aNe7 aMl0teo4100 m )( at71 na14195 *M MW IM"MW arotaes Iplua PYYmat Prdsew qqaarnn 1%o read g1a OgOfits & Oistlouras on back al teen. Irr.111.1..1.J.141rI..11r..I.Irrrrll.lal.Mll.rl.l41.rllr.ll..l 52 of 141 Payrnern Dw Deb Now Balance Past Due Mount Wnim nl Payment 05l21AD9 $4,029.90 E0.00 (0.00 Account marnber: 5001 Q830 7410 0911 • nuke year cheei P.yaat. ter: fy.... Cara D Pt.esuree or..a, New on hldn. kl.wadenu or ?m.i9 New 54016830149DD91lUDD00000004029980000006 CM77 aft 2121000 I...III.?..1..I.I..Ir.11...1.1....II.IJ...q..1.1...11..11..1 USA M MCLA!N 116 WYNNVMD AVE CARDMEMBERSERVICE CARLISLE PA 17013-1166 PO Box 15153 WILMINGTON DE 19606.5153 Lo11L..IILo..dl»IL...q...ILIIoLd.edllll...Lld 1: 5000 1.60 281: 2093011.9009;619r Statement Date: CHASE O 04102f09.05A1109 ,g Il.a.ye yar.cc.e.a.a9ne: Wrlimten Payment: =00 Payment Due Dab: OSMA9 Aditlaw.l a.aba lea..san vonwe-wely located - reverse ACCOUNT SUMMARY MASTERCARDAeeouMNun.bar:50MOW 14900W1 Previous Balance $4.135.53 Total Credit line $12.100 Payment. Credia -$200.00 Available Credit $5.070 Finance Charges +$94.35 Cash Awes Line $4.540 New Balance $4?0ig.N AvailaW to Cash $4.540 REWARDISSUMMARY Previous Points Balance 5.436 To radsarn rote pouf, call 14006603.2265 or Points Earned On Purchases 0 log on to w+wr elrse.combaQnaNa Points EWeed This Period 0 Current Pools Total 5.436 35 Points Due To Expire on Statement in October. 2009 Congranfations! You hwe enough points to redeem. Log on now to www.chase .caNaedilcirds to sse he conpMle selection of gill eandN9ilt canii1cals and to redeem. ACCOUNT ACTIVITY Date of Transeclan Merchanl Nome or Trenasion Denciction %Amoun1 0420 Payment - Tharec You -200.00 FINALE CHARGES France Charge Transaction Daly Periodic Role Caneep. Average Daly Due To Fs / Accumulated RMANCE CMKPY 30 days in cycle APR Balance Periodic Rine Service Charge Fn Charge CHARGES Purchases .07666% 27.89% $737.74 $15.97 $0.00 Sam $16.97 Cash advances .07666% 27.99% 10.00 $0.00 $0.00 $O.OO $0.00 Baence tensle .07666% 27.89% $3.353.65 $77.36 $0.00 $0-00 $77.38 Tote lnw ce charges $04.35 Etbcilve Annual Percentage Rate (APR): 27.99% Please ss Information About Your Amount section to balance car Walion meshod. grow period, and other importen information. The Corresponding APR is he rats of interest you pay when you tarty a balance on any transaction category. The Etbcive APR represents your lots finance charges - including transaction tea such as cash advance and balance transfer less - expressed as a percentage. IMPORTANT YOU have the leMbity to skip a payment. YOU MUM pay peat due arc ove7init balances nrnedlatsty. however. he remaining rariman payment for this month has beet reduced to $D. France charges will continue to accrue. To reduce your balance. I" tree to make a pelenem. Go green, and remove the paper ckdle tram your Isle! Sign up for pepaleas s itemems at ctasscarNaact®rd4 are icel secure in teaming you slolenvols will no longer be in he nail. but accessible arylime ofnei Limited ame over on British Akwaya...Save $100 tA_ Book a rand-trip light on British always worl0wide in Wood Traveler Ptia or Wald Traveler behimen Mar 23- Aug 31. 2000. Mak be.eW*ftW10010 book yea light. 8364508 Ottertends J1ne 30.2000 • Terms a conddiora eppy. This Statement Is a Facsimile - Not an orighmi 0000001 Fana"07 see . Z in 011,050, Py.103 mac W W 09617 IZnO?ma00m6T0r X 0171 Na13e70 56 of 141 Payment Due Data New Balance Peat Due Amount Minimum Payment 06l2t/09 (10.126.30 (0.00 (217.00 Arrant rttrrtber: 51018830 1400 0011 Malty year check pay.W to: Chase Nm address Card 9neMea amine anc?bsed. Maw ? errhail Prih[ on Eeor. 540168301490091100021700010126300000005 34MMX Z 1570x0 USA M MCwN 118 W"NVMD AVE CARLISLE PA 17013-1168 I...111...III.... ui1..11.... II......1.1.1 I...IIL6.I.J.1..1..11...LI....IIJJ.w I1..L1...I1..II..i CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 10885-5153 11: 5000 1,60 2611: 209 30 149009 L 19aa Statement Dale: CHASE O 05AN09-06MI109 Mnknurn Payment: $217-00 Payment Die Dam: 06x21106 ACCOUNT SUMMARY MASTERCARDAccount Nurab r: 54M Mo14M0011 Previous Balance $4.029.98 Tote Credit Una $10.500 Paymon% Credits 4200.00 Avralatle Credit $373 Purchases, Cash, Debits 4$6,1100.00 Cash Access Line $4.200 Finance Charges +$296.32 Available for Cash $373 New Silence 10.126.30 Itlalr.yeyevr..wlydo.arc AddOw.d D..YQ i 1-ro-dan conveniently healed on r•versa %do REWAROS SUMMARY - I Previous Points Balance 5,436 To redeem your point, call 1400-803-2265 or Points Eared On Purchases 0 log on to Poirn E pie11 This Period 0 Currant Poirds TOO 5,436 35 Points Due To spire on Statement in Ocloba. 2009 Congratulations! You have enmtgh puma to tedwn. Log cn now to www.chum coWd•ditQda tow M conrpiet• selection of gilt a argtlt cor"caee and to redeem. ACCDUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description jAmgp( 05/15 Payment - Thank You -200.00 05106 81472 CHECKTO DOMINIC GOODHART 1.000.00 05108 TRANSACTION FEE 30.00 05706 81473 CHECK TO DOMINIC GOODHART 5,000.00 05/08 TRANSACTION FEE 150.00 FINANCE CHARGES AnswiceCharge Transaction Daly Periodic Rae Carasp Average Day Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rea Service Charge Fin Charge CHARGES Purchases 07668% 27.99% $610.27 $14.51 so 00 50.00 514.51 Cash advances 07668% 27.98% $0.00 $0.00 $000 $0.00 $0.00 Convenience chart .07860% 27.98% $0.00 $0.00 $7110.00 $0.00 $190.00 Balance transfer 07608% 27.88% $3.349.50 $79.02 $000 $0.00 $79.62 Promotional surnmary .01367% 4.98% $5.23S.15 $22.18 $1000 $0.00 522.19 Total tinance charges $296.32 Effective, Annual Percentage Rate (API): 35.709E Please w information About Your Archon seeeon to belonee computation method, gran Period. and other wPDfls m intometiort The Coranpondhg APR is the tale of intense! you pay when you carry a balance on any transaction category. The Etleclive APR reptresna your total inane charges - including transaction ten such as ash advance and balance twitter feas - eepressed as a percentage. IMPORTANT NEWS _. , Celebrate Our Biggest FREE Nights Onerl Slay any 2 nights, men enjoy, a FREE rught 0 p inicpteng halale. ircluding harContrenal. Crowns Pam- Holiday Inn and Holiday Ion Ehpress. 8364508 This Statement Is a Facsimile - Not an orlglnal 0000001 FQ 012 ODD e Z o+ avow, P.D., dl emn .MWS h03nam17oaaer•aoh X 0374 wS1a7r 62 of 141 Payrnerd Duo Dab New 88IMM Past Oue Amount aMnkiturn Payment g7mAOS Se.992zo So.oo Sztsoo AccowA number: 5401 68901400 0911 Wls Peer aledr pays6le b: . tTar CeN 9rvlwe. NewNewaddr6e amass IIrICt09ae. sedras a wnd9 Print on hadt. 54016830149009110002150000999220000D009 USA M MCwN 116 WYNNWOOD AVE CARLISLE PA 7 7013-11 66 L1.11111IIIINNNIIN 11111101/111111//LJ1N dLILNidJ 1.1.111.1 I.1111.611..11...1.1..1.11.1.1. w 11.11.1..11 1..111.1 CARDMEMSER SERVICE PO BOX 15153 WILMINGTONDE 191106-5153 45000 160 28x: 209 i0 149009 i i9aa /? staMl - D61e ? ltt 9. yOaw eoewnt a1111a: CHASE O 0&0210907AO1A9 8364508 Mdrman Peyrrarrrb $M6.00 Payment Mae Daft: 07m hM Addtfanal Qantas klternetlen oanweliwlb tacasd d, reverse dale ACOOUNTSUMMARY MASTERCARDAeeeemNUewr:5401693014e09mt Previous Balance $10,126.30 Total Croft line 510300 Payrnwt Credits -MO.00 Avatetle Credit $607 Finance, Charges ,5715.90 Cash Access Lne 54.200 New Balance ---N.-Qom Awietlelar Cash $507 REWARDS SUMMARY Pre"oue Paints Balance 5,436 CorgrelalioriM you haw earned enough Points Earned On PWt®es o poiras to redeem for 55o in 176 estQiabs or points Eapred This Period 0 436 5 wart a alalamant credit. Log arno wars; ceae.oo stweer s b sea the rewards Current Points Total , wai sole 10 you. 35 Points Due To E:pire on Statement in October, 2009 Your Free Cash credit card earns t point tot wary aliptle $1 you spud on purdwasa Earn additional points - as much as 10 Points par $1 shopping online through www.ehase.oamewrdoplra Add authorized users, and sign up to have your mon6ly bias charged viyourcard Why not get Points for all terse pkacaees loo? Redeem your porib anytime, a just clack out new chars at www.dMe.caNrewards. [ CCOUNT ACTIVITY Date of &AMount Traneecton Mani Nome or Traneaaion Daeabtion- 06l19 Payrrhent - Thank You -250.00 FINANCE CHARGES _ I Finance Charge Trarmanon Daly Periodic Roo Correep. Average Daily Due To Feel Aeamitalid FINANCE Category 30 days in cycle APR Solstice Periodic Rae Service Charge Fat Charge CHARGES Purchases .07666% 2799% $572.35 $13.17 $0.00 $0.00 $13.17 Cahn adwneos .07665% 27.09% $0.00 $0.00 50.00 $0.00 00 00 $0 om $0 $0.00 $0.00 . , Convenience check .07566% 27.99% $0.00 S Balance tender .07666% 27.99% $3.395.69 S7a.11 $0.00 SO.co $76.11 Promotional summary .01367% 4.99% $6.00372 $24.62 $0 00 $0.00 $24.62 S115.90 Total tna+oe charges Eflecthre Annual Percentage Re* (APIs: 13.91% Please see !rdormation About Your Account section fa 6slertca conpk6stion met!wd. grow pario4 and other inp rlsm inlomreticn. . The Corresponding APR Is the rate at narfeal you pay when you carry a balance on any transaction category The Effective APR represent your lotal Inane charges - itrhO Yanesi iOn fees such as cash advance and betance tanster two - ®preamW as a PIMM11e0e. IMPORTANT NEWS Disc w your tavorils Sterbudis Viverno Snpdttie! They cane in swas tsnla w Minors: Orange Margo Serena. Barons ChtocohM a Strawberry Barons. Each contains 280 calories or Ise% has great nutritional behests and gales sensational! This Statement is a Facsimile - Not an original ro00aa1 F93333609 ma a z e1 Cae/arl P.Qe/d/ Geese lw W a 43 Imoomer6omwt X ®rt 14 of 141 Payment Due Data Now Balance Pell Ous Amount On' to Payment OOIZ7A18 $9,867.63 $0.00 322400 Aceaaltt aasatlawr: 5401683014D0 0011 saaMe your check Payable to: Caw Cani9arviaee. . Plearwrea anount andosed. Ihlew octant. v w.wi? Printcn bash. 540168301490091100022400009867630000001 OM W EDI Z M400 I.IJII.It.LJ.L.I..11r..I.I..t.iI.I.I... n..1.L..11r.11..1 LISA M MCLAIN 116 VP7NNVIOOD AVE C:ARDMEMBER SERVICE CARLISLE PA 17013-1166 PO BOX 15153 WILMWNWON DE 19666-5153 LaII1l1.IILtta.l la IIt lan..JLIL.L.L...I6tlt..IJ.I 1:5000 160 28il: 209 30 L49009 L L9tla Sant Dee: CHASE Q 07NW09 ZI09 - 06872/09 your eaeaoel onsw Mnnli n rn Payrsent: $224.00 Payrarn Des Dee: 002710! Aeaacnd contact YVamstlah OOn.a:.iay located an revorsa see ACCO WIT SUMMARY itAsTERCARo Account Munster: 5401 7690 /480 OBIt Previous Balance $0.092.20 Total Credit tine $10,500 Payment. Crsdas 4250.00 Avsrtle Credit $532 Firnsrnce CTaryas .3125.43 Caen Access L"ne $4.200 New Balance 67. Avaiatlator Cash $532 REWARDS SUMMARY Prsvlms Points Balance SAM Corps ulabonal You have awned enough Pains Eames On Purchases 0 poiMa/o redesn to $60 in gM ewOk was or Pains Espied This Period o even a oernwn cradil. Log ono Conant Points Total 6,438 vwnrdree.oon*swwds lo seo the rewards 3lallalte 10 you. 35 Pans Due To Eg*e on Slaterrent in Ocpber, 2009 Your Free Cash credit card awns 1 point tar evey eligible $1 you spend on p ardises. Earn edd lawto points - as match as 10 Points Par $l ahopphg onlha ftwo www.dmo owrsawrdoplua Add a honked tsars and sigh upto haw your morAty sir dargod loyourcard- why not gelpoints tar all tmee purdlasas tool Redeem your points ahytlrn4 o just check "row offers at www.dnase.co *swards ACCOUNT ACTIVITY Dialect jlansea(on Merdsrn Name or Transaction Description lArnourill 07M Psynnent - Thasat You -250.00 FINANCE CHAIR Fines c* Charge Tra escion Daily Penocc Rae Correep. Average Daly Due To Fee 7 Accuralabd RMANCE Category 32 days in cycle APR Bahama Periodic Raw Sooce Charge Fin Charge CHARGES Purchases .07668% 27.99% $686.12 $14.38 3000 $0.00 $1436 Cash advances 07666% 27.99% $0.00 $0.00 $0.00 $0.00 30.00 Balance transfer .07668% 2799% $3.477.35 $85.33 $0.00 $0.00 $65.33 Pmrnolonal summary .01367% 4.99% $5.880.04 $25.72 $000 $0.00 $25.72 Total trance charges $125.43 EllseVw Annual Percentage Rate (APR): 15-13% Pieces see Intounaaon About Yom Amount section for balalancecor pNrhon nalhod, grace perms, and other wnporiard intormehon. The Corespmdang APR a the raw of inlsresi you pay when you carry a balance on any brarwaclion calspory. The Etleclhw APR repreaeraa your 01816wnce Charges- including transaction %as such as cash advance and balance tenter fees - wgrared as a percenta gs. IMPORTANT NEWS Please now you have a new payment des dote that has been extended to give you more tone b pay The new peyina nt duo data is ratecwd w hie elalanant 8 you prewr to select a payrnsn der doe said boner meets your sect please call Qratmner service. 8364508 This Staletnem Is a Facsimile - Not an origtuu 00000Dt FWN060e use n z m rlpe2 Papal all coca MAM0e107 214100000wa00Nra X GM Natalie 132 of 141 Psyr wq?Due Dab NOW Bow" Past Due Amount Minimum Payment pY?/p 7110.365 47 7b0.00 X732.00 ALeewad--iwanbwJ : 501 CB301i0 Op11 $1 make veer checli payable, b: Cho Care 9W Visa eaexb erro rrovit m encased. Nee sasreas or e-rme? Print on ass 54D1683Ul4900911000232D001D36547000000000000005 3MM OB(z a..CSO USA M MCwN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 I...Ill...III......II..II....11...11.11..I..I.N.11 di...l.l.l 1...111.1..1.4.1..1..11...1.1....11.11.1L.1.1 ...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 14895-5153 s: 5000 L60 28e: 209 30 149009 L L9ea Statement Dade: CElr'1?G I I A GC O 06103M04-04001Ae g y-oe-b-e- IN - Minimum Popne rt: =32.00 Payment Due Ds»: 0!128!09 AMtlane e.rrleer kterrhaaas mnvonar.tly tooted ah rewaa ode 8364508 ACCOUNT SUMMARY Aeeoum Number: SWI 9te0/499 cent Provous Balance )19,867.63 Total Credit Une $10.500 Payment . Credits -531784 Available Credit $134 Purchase. Cash. Debits Z661 Cash Access Lire $4.200 Finance Charges 4129.17 Available ter Cash $134 New Balance 10.365.47 REWARDSSUMMARY Previous Poa.a Balance 5.436 ConipaLla anal You have owed snough Poenta E. On Purchases 614 pants to redeem tar 160 in gift cwtacelas or Palms Expired This Period 0 even a stasmant credo. Loy onto current Points Towl 6.055 vmeW.ceas mrMewads In see the restsnta 9VWMO 1D You. 35 Points Due To Expire on Statement in October. 2004 Your Free Cash credit card tams 1 point tar every sliytle $1 you apex on purchases. Earn additional pants - as much as 10 points per $1 shoppilg online 1wough iview cwae. s. Add authorized users, and sign up to have your nonFly bills charged o yaw card. Why not gel ponds for all those purchase too? Redeem your points enysrne. or was cecH out new altos at ww ch se.corrYrvwvrds. A U Date of Tranawyon Merchant Name or Transaction Descr clam ;Amount 0802 WM SUPERCENTER SE2 MECHAMCSSURG PA -2756 06115 WMSLIPERCENTER SE2 CARLISLE PA 40.28 08M Psymaht - Thank You -250.00 08/02 WMSUPERCENTER SE2 MECHAMCSBURG PA 36.71 06/02 WMSUPERCENTER SE2 CARLISLE PA 169.11 08007 WALMART.COM WALMART.COM AR 210.94 08121 EMBARO PYMT-WEB CRB 8667236010 KS 11047 08!21 DISH NETWORK-0NE TIME BOD-3333474 CO 50.82 06/24 YORK WASTE DISPOSAL YORK PA 44.50 08124 NATIONAL GRID 600-322-3223 NY 61 96 FINANCE CHARGES Finance Charge Tranaacfon Daly PenoQic Rae Cerntap. Average Deily Ws To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Raw Smite Charge Fin Charge CHARGES Purchase .07669% 27.99% $1.045.72 $24.06 $000 $0.00 $24.06 Cash advances .07668% 27.99% $0.00 $0.00 $000 $0.00 $0.00 Balance transfer .07660% 27.99% $3.560.95 $01.92 $0.00 $0.00 $01.92 Promotional fiurrmary .01367% 4.99% $5.655.46 $23.19 $0.00 $0.00 $23.18 Taal finance charge $129.17 Enecitm Annual Percanage Rata (APR): 15.10% Please see edon ne n About Your Accoure ssca0n to baknce comphnaacn meaed. gmo period. and other inponan ntomalion. The Corresponding APR is the role of imaea you pay when you carry a boom on amY transacson category. The EtlackW APR repmaal are a charge - rKkm leg tran sclion fees shrdh as cash advance and Vwji tee - epmesed as a percentage. This Statenwnt Is a Facalmile - Nat an ofHghal 000000/ Fhsasae Oa 000 a 2 a1 ?l PO.I ar 05M W W 31111112 X Can NS1.oao 86 of 141 Payment Due DM New Balance Pere Due Amount 1Nrdmrm Psytrem 1W2N06 310,20026 (0.00 (27100 Accord number: 5401 09301490 3911 - Male year ehedkpsyahler: Casco Card 7wvteae Pies wri erraalt andmad. New address ar enwl? Print on back. 54016830149009110002360001020026000000000000006 USA M MCLAM 116 INYNNNPOOD AVE CARLISLE PA 17613-1166 1-111 ...111.0...11..16 ...11...1616 J. J... J 1.11...1.1.1 1...111.1..6 J.I..I..1I...1. I....I i.l J... L.1.1 ... 1611A CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 16696-5153 8:5000160 281: 209 30 149009 i. i9ae Starlemerd DOW 09A17/09 - 1 0101A9 g momp Yee aaearnt od..c CHASE O lo SUALskuLgoo& dtafna MMmum Payrnsrnt: 5236.00 Payment Due Dar: 10(16!09 8364508 Additional contact Ysaware ACCOUNT SUMMARY Acowrrnt wme.r: 5401 new 1460 0611 aonvsnady located co reveres sea Pre"Ous Balertw $10,365.47 Tole) Credit Line $10.500 Payment, Credits -$300.00 Available Credit sm Frenes Ctherge +5134.79 Cash Access Line $4200 New Selene 10,20026 Available Wr Cash $299 REWARDS SUMMARY -, Prm+OUa Points Baer 6.055 ConWoU bons! You hens earned enough Points Earned On Purchases 0 points b radeern for 160 in gift CwMcff s or Points Eapired This Period 35 even a >tlrwnwa ae6t. Log mb Current Ponds Tool 6.020 rmw.cese aorrMeweroa to am the rewards mulabaeb you 33 Points Due To Enpae on Starerr m in Novernber. 2009 You Fee Cash ovdit card earns 1 point for every, alpha $1 you spade an pwd+aLl Earn sd6sorW peas - s tnrch as 10 points per $1 stopping adsw 1MOny1 www.dmo owrdawrdon Add imelh - d users, and so up td have your meratey bNe charged to your card. Why no got points ter ad itroes purchases, *o? Red"m your poinle anyMas. or just deck out now others at www.cese.cardrawwda ACCOUNT ACTIVITY Date of Tramniummam Merchant Name or Tra saeim Dewiotion l AnxkM1 own Payment - Thark YOU -300.00 FlNANCECNARGES Finance Charge Traroecson Daly Periodic Rate Carrsp. Average Day OW TO Feel AW.nadaW FINANCE Category 30 days in cycle APR Balance Periodic Rare Sendce Charge Fin Charge CHARGES Purchases .07669% 27.98% $1,250.14 $26.76 sow $0.00 $28.76 Cash advance .07900% 27.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .07668% 27.99% $3.643.80 $93.82 $0 00 $0.00 $93.82 Promotional surrinery, .01367% 4.99% $5.416.54 $22.21 $0.00 $0.00 $22.21 Total finance charges $134.79 Etuctlve Annual Percentage Rau (APR): 15.sm Please we edormetion About Your Account section tot balace cerrpunar.m method- grace period- and other arhpodard adormeson The Corresponding APR is the rest d inter" you pay when you carry a bavnce on any transaction ategory. The Ellacive APR represents your ball trance charges - indudWV transition tees such s cash advance erred balance transler teas - expressed as a peramtaga. This Statement Is a Facalmlle - Not an oi)lglnal 00a0mh cr9s33360e coo e z o+ cor.aoc r.a.h a. rims ...w sa.ee nahmmae0amtamer X con 66 of 141 Payment D.e D.te New Balance Pas Due Amount Mlnlmunt Payment na6m1 31op41.z1 so.oo 5241.ao Aeeotetl trattber: 51Dt EB3D 14gD BY11 . Mete your check payable to: Chase Care gwvi a. Please was amount enclosed. NOM address or emit" Pmt on had, 54016830149009110002410001004121000000000000002 40M 8" z30NO0 1...11111.1J.1.1.11... 1.1.... 11.1.1.x11. d.l...ll..ll..l LISA M MCLAIN 116 WYNNWOODAVE CAROMEMBER SERVICE CARLISLE PA 17013-1188 PO Box 15153 WILMINGTON DE 188965153 Ix.111..dILx...11A,...IL..ILIIx1..1.... 1131-111.1 1:50001.602131: 209 30 14 900 9 1,1,988 Statxttanl Date: CHASE O 100ov09-1imi009 g Iaar••Myeur.cesemto.etme: Minimum Payment: 5241.00 Payment Due Dab: 11r2sm Adetlsn d contest bd-r -Son ACCOUNT SUMMARY Account Nunber. 5401183014900/11 coo.erianWlocated m.wavePd. Previous Balance $10.200.26 TaN Creditline $70,500 Payment, Credits -5300.00 Available Credit $450 Finance Chwges w$w-95 Cash Access, Line $4,200 New Balance 10.041.21 Available for Cash $450 REWARDS SUMMARY Prwious Poins Balance 6.020 Congratulations! You have erred enough Points Earned On Purchases 0 points to redeem for $60 in gill cerkfaBM or Paints Expired This Period 33 wet a Kin ernent credit. Log onto Currant Points Toad 5,987 www.dwse cortwawrds to see he rerrerds s.slable b you. 34 Piims Due To Expire on Starement in Dacember. 2009 Your Free Cash credit card ems t poim for every slipble $1 you spend on purches is. Earn addillanel points - es "loch as 10 pots par $1 shopping online through www.rhWO Wffb%WWdeplus Add suftrwW us 1,m and don up to how your monlly bile carped to your card. Why not gal points for sill those prdtaar toot Redeem your poste anyhhms. or Pstt cad, out new ogre at www.cuse cortJrewarda ACCOUNT ACTIVITY Data ol Trarmaction Mrdeml mor Tnetsecdon Deeaodon S,Amoppl 10123 Payment - Think You -300.00 FINANCE CHARGES Finance Charge Transaction Daly Panodic Role Corresp. Average Daily Due To Fee ! Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purdeses .07669% 27.00% S1.279.71 $30.42 5000 $0.00 $30.42 Cash advances .07661% 27.99% $0.00 $0.00 $0.00 $0.00 $0.00 erance Yanalr .07568% 27.99% $3,729.68 $1e.ss $000 $0.00 $98.86 Promotional summary .01367% 4.90% $5,161.87 $21.87 $0.00 50.00 $21.67 Total fiance charges 574015 ENattive Annual Percentage Rats (APR): 16.62% Please see Mlormeton About Your Ac=LKd seceon tar balance eonputshorh meawd, grace Pencil, and char anyonant imomstion. The Corresponding APR is he tab of Interval you pay when you carry a balance on any ruseeion Category. The Etlaauve APR represents your total frur ce charges - ilrhtdkng tranaacson tees such as cash advance and be enas warraler tees - expressed as a peroantegs. IMPORTANT NEWS Chase Gift Cards, The Perfect Grp! Available in any amount Yom $25 to 5500. Accepted at millions of totamons worldwide. Order online at chase. cor WGitlCardOrdr or step by a Chase Branch today! 8364508 This Statemeryt Is a Facsimile - Not an original 000atG1 FOMMOa 000 n z w t.ntnm Pq•. at a000a IM rw. •eeo2 aP1c00oaao00.mRw X 0311 091 4312 0131.100 68 of 141 Payment Due Dar New Balance Pan Due Amount Minimum Payment E12116/011 $D,929.35 $0.00 5237.00 Aceotatl ntwtFiar: Sf01683D 14Y0 31911 ICtN wan( pa y1?s • teeke Ye•e chockpayaWto: Y0 UN a- Ch- Cud 9arvfoet I w reed 1M t rid Plrsev.b emGUht er olowd. DmrJ0a1/B6 m aN 95i:i n. Now address a ?mal° Pmt on bed1. 54016830149009110002370000992935000000005964019 .1810WmZ33erO LISA M MCWN 116 WY1,6410MOOD AVE CARLISLE PA 17013-1168 L.h i{L.rllL.... JI„8....BurIIJL.L.L.u1L11..drL1 ...1.1.... 11.Id.nil..i.1...11r.IL.1 CAROMEMBERSERVCE PO BOX 15153 WILMINGTON DE 10866-5153 1:5000 1,60 281: 209 30 LL.9009 L L9ta Statement Date: (''( CHASE O 11/02109-,2/01109 s1? lyl.e.eeyw.seeentainc MlMmwn Payment: $237.00 Payment Due Dar: 12126/09 Adald-W .anew 1,110-041ea ACCOUNT SUMMARY Account Number: 5401 66301490 Oat 1 oonwwar y touted on ramose ads Previous Balance $10.041.21 Total Credit Line $10.500 Payment. Credits 4250.00 Available Credit $570 Finance Charges +$138.14 Cash Accwm Line $4.200 New Balance .929.35 Available Jar Cash $570 REWAROSSUMMARY I Previous Points Balance 5.987 Congratulations! You have eemad enough Points Earned On Purchases 0 points to redeem for $50 in gilt cariicales or Points speed This Period 34 even a strertwn credit. Log arno Comm Ponta Total 5,953 v.ver.caas mmyewads r acs the swards Wailrble 10 you. 32 Points Due To Expire on Statement in January, 2010 Your Free Cash credit card earns t point for every sigble $1 you spend on pundrra Earn additional Points - m much as 10 points per $1 shopping mine through wivexhse.comAewardoplus, Add auamrized were and sips up to Lrva Your monnif We charged to your card. Why not gar poi tsior all those purchases too' Redeem your pour anytime, or just chock out new ONM at vnvw.dnew.comiravrads. ACCOUNT ACTIMY Data of Trarmaelm S,Amount Jim Payment - Thank You -25000 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rare Correap. Average Daly Due To Feel Accumulated FINANCE Category 30 days in cycle APR Belem@ Periodic Ram Service Charge Fin Charge CHMGES Purchases .07868% 27.98% $1,309.98 $30.13 $0.00 $0.00 $30.13 Cash advances .07668% 27.99% $0-00 $0.00 $0.00 $0.00 $0.00 Balance transfer .07668% 27.90% $3,818.21 $97.83 $0.00 $0.00 $87.83 Promotional summary .01367% 4.99% $4,92125 $20.18 $0.00 $0.00 $20.10 Total finance charges $138.14 Etter dre Annual Parcarrtage Raft (APR): 16.49% Please see IMormation About Your Account section for telance computalim mal od, grace period, and other aryorWn irnorme10n. The Carospondirg APR is this rule at inarew you pay aAhon you cony a balance on any transaction category. The Etmaive APR represents your total inarhce charges - including transaction tees such as cash advance and balance hander Jose - expressed as a percentage. IMPORTANT NEWS Omaha Stooks eaduwve offer to Chase Cardmernbomi Saw 52%w to Value Collection and get FREE SF9PPING, PLUS 6 FREE burgoral Call 1.800.960.8400, all antra you here a Chase card and ask 1a 011.45481 COE or go to waa.QnahaSteeks.caNamtemem. Stock up and SAVE. Order Now• 8364508 This Statement Is a Facsimile - Not an origh$al ODOOODt F188i90e012 000 N Z m -=I Pie- et Qaee W W .1.10 1161 OOOOta]OOn NOa R ran N813ed7 N91M15 hN943M hNat3on 70 of 141 Paymwc Due Date New Balance Pont Due Mount MLalrllurn payment 01 86110 510,661.51 5237.00 153500 Accoud tantbar: 3401 EB3D 14800811 Mal, yaw check Payable, to: Chase Card Swv PYesawiw mount 4- New address or 9m W Print on bade 54016830149009110005350001066151000000000000005 saweecZh/oD USA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-115a 1...111-11h.,... . Br...IInJIdL.lnl.n d1.11... 1.1.1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE taa66-5153 1:50 00 160 2131: 209 30 149009 1 1.9aa 8lalarTo t D81e: CH A CCO 12/02/OV-Olro1n0 g ?M?y?a?rK?? f7M?7G Onamrrn Poym.rt: $536.00 Payrthert Due Dab: 01126110 Additional contact edwmwUer ACCOUNT SUMMARY Account Number: 5601 ai1014a0 Oat t aomn+iawy looted on revaree aria Previous Balance $6,029.35 Total Credal Line 510,500 Purchases, Cash, Oebita +5570.01 Avoilatifia Crack so Finance Charges 4153.15 Cash Access Line $4,200 New Balance 10,651.51 -sable tar Cash M brportanl Message: You Are Overlimd Yale mMwftw t balance exceeds pur credit line. You should males a payment that includes the ~in* anent ft bring the balance under yaw credit line. JAMMOSSUMMARY Previous Pasts Balance 5,053 CoryraLlaiona! You have owned enough Prima Earrsd On to c haste 502 points to redeem for $60 in gist cordilleras or Pants Sped This Period 32 even a statement credit. Log mb Current Poi is Tow 6,423 vnww.cham comhtewrde to me the rewards evilade to you. 33 Points Due To Expire, on Sta amern in February, 2010 Your Free Cash crack cad sans 1 point ton every, eeligible $1 you spared on phrcesss. Earn addtional pans - an muds as 10 points per $1 alsppig them through veww.chw.arM6wsrdepWa Add authorized users, and sign up s haw your ffenny bib charged to your card. My not gar pools far all toss purd mm too? Redeem yov pools anyleme. or jual deck oul new oars al vrww.dnase.rnlrJrewerda ACCOUNT ACTIVITY Dole of Trarvsecton ;Amount 12107 GC 13LOSSER INC CARLISLE PA 128.50 12114 GAMESMP IKIM CARLISLE PA 372.51 12/27 LATE FEE 3900 01101 OVERUWT FEE 39.00 FIN E CF( R ES --? Firsnce Charge Trarrecson Daly Periodic Rae Coneap. Average Daily Due To Feel Accumulated FINANCE Cmagory 31 days in cycle APR Balance Periodic Role Service Charge An Charge CHARGES Purchases .07660% 27.99% $1,667.24 $40.11 $000 $0.00 $60.11 Cash 80Vercas .07661% 27.99% $0.00 50.00 $0.00 $0.00 $0.00 Balance homier .07661% 2799% S3,9D8.52 $92.91 $000 50.00 $92.01 Promotional summary 01367% 4 99% $4,749.71 $20.13 $000 50.00 $20.13 Tea finance dheges $153.15 Etteetive Annual Percentage Raft (APFQ: 17.70% Please ace information About Your Accoura sockon for balance computation method, gram period, and otw important information. The Cmsapondirg APR is to rab a inter" you pay when you parry a balance on any aarsecfon coin pry. The Eti ch* APR rapssslls your total lnance charges - including rasacion fees such an cash advance and balance transfer leas - atprosew as a percentage. I ANT NEWS Try TurboTaz Free Edison lor your ear" ran" W Gar a 35 percent Discount on TurboTst Orlirs Federal ProduM. visit dsae.corNShcss 8364508 This Statement Is a Facsimile - Not an migttml 00000o+ Fsr301109 o0o n Z a holalM va•+ah meer weeds. 0arcaooasmsas.a X err 118 of 141 Payme t Due Date Now Selove Pam Due Amount Minirmm Payment 02/76/10 510,902.74 5535.00 394800 Aa;eotmM rmanbar 501 Ql3014Y0 OY11 . Make yew chedt payable to: Chou Card 9arvivea Ptaese write smou tt ericlosad. New address u aneti? Print on basin 540168301490091Z0006460001090274000000000000007 =M M z outdo I......1.1....I1.Id...q..I.I... L .L.1 USA M MCLAIN 116 WYNNWOOD AVE CAROMEMBER SERVICE CARLISLE PA 17013-11 as PO BOX 15153 WILMINGTONDE 19896-5153 I...III...III......II..II....II...ilnll..i..l.r.ll.ll...l.l.t A 1::5000 iS0 281: 209 30 L1.9009I 2900 CHASE O B M.mgeyew.eeaueteM.r: AddabwdMeho Memanoe viww.disil.f conveniently i-sed on revarsoside 8364508 ACCOUNT SUMMARY Aceounl Number: 5401 0030 1490 0011 Previous Balance $10.661.51 Fees Charged .$78.00 Interest Charges +5163023 New Billerica $10.902.74 Operwig/Closing Dale 01/02/10 - 02.01110 Total Credit tine 570.500 Availads Credit so Cash Access Lira $4.200 Available tot Cash so PAYMENT INFORMATION -? Now Balance $10.902.74 Patin" Due Dale 022810 Minimum Psymem Due $846.00 Late Psyrnad Warning: If we do nol receive your minmum paymem by the date feted sitwe, you may have to pay up to a $39.00 late fee and your APRs will be sublscl 10 increase to a maximum Paadly APR of 29.9971. AMnirnum Payerrd Warning: M you make only the miniman payment anch paio0. you will pay more in interest end it will take you longer to pey o0 your balances. For sample: If you make no You WA pay all And you will and up additional dmvgea ate balance paying an estimated told using tua card and dldeel on this, e1_. each month you sawlement in pay... eboul... Only to minimum 35 yeas $35.282.00 payment $431.00 3 years $15.521.00 (Sevi g"19.761.00) 0 you would We intimation about credit coclnsdug services, tail 1-866-797-2806. Your credit cad account is past due. Please send payment immediately. Call 1.800-955-8030 (cotied 1-302-594.8200) today. Inlpol1. 1 Message. You Are Ow9Akrut Your statement balance exceeds your credit line. You Should make a payment that includes he dvedimit amount to lying the balance under your credit line. REWARDSSUMMARY Previous Palms Balance 6.423 Thank you far using to Credit cad Vat Sara Paints Earned On Purc aeas 0 rewards that can be used for your choice of gdt Palms Uravallebie Ia Redemption 6.300 ids, cash a asidercerd tradile. RernelCar. Points Espied This Period 33 you can won poem by using your Free Cash Currant Poems Tote) 0 credit cad for ywr everyday purchases like gas and grocery purchases. 32 Points Due To Expwe on Statement in March- 2010 Your Free Cash credo card earn 1 point for every eligitie $1 you spend on purchases- Eau additional points - as much as 10 Pointe Pe $1 aWppng ontne 1WOUgh w c hmo.ceMrewwdeplua. Add vuthomed users, and sign up to have your monthly bite Barged to your card. Why not gat ponce for sit these purchases too? Redeem your pun s anytime, a lust them ail new oters at www.dhese.cornfrewards. ACCOUNT ACTM" Date of Transaction Merchant Name or Transaction Description $ Amount .?:....v .? .... .:.:., .... •.; 'a+,c < y•.::.-tom. ...2C,y ?:•.1.. sec:`-.. } \iJ.: *?\\ y??? :CD} }\"?,y-?+C?? - yci^:G;??vcj:::;<2s: .. 'x'.K:i\$:iti?i'i - .........,.. :v.?ttn4+ti.[.'v:+.:?vi:::Fi ?:.,..,.,.,u....v,.,.::~:'•.•'.v??.t.,-.....?•..,r-,?-t?,-'t-:. ?.a'\w?'1.•'?^,dCA:3`.+T. „{ C. ...,:..2':?-?iii:.:::`'?'? 01126 `LATE FEE 39.00 01103 OVERLIMIT FEE 3900 TOTAL FEES FOR THIS PERIOD $78.00 :>-?-.?,3^?,Y",,, ,?`t•.'?`?':,,`-rii+}\?i,._?C:ti?#;''i#i:,?i?,.• 3? .:.,, ., ?. ::.?c;3;±-3;:?:+.::::::::y;3:3;:$::::: 02101 PURCHASE INTEREST CHARGE` 4768 02/01 PURCHASE'INTEREST CHARGE' 95.14 02/01 PURCHASE9NTEREST CHARGE- 2021 TOTAL INTEREST FOR THIS PERIOD $16323 This SbdemeM Is a Facsimile - Not an odglrml 0000001 FIS33=05 000 N z al lodael Paget e2 WMe W W 3Z 0021 dpepOSeWaa m X. 0971 .51.88 78 of 141 Statenaml Drs. Ol/W O - 02101/10 Aocoum Number, 5401 6030 1400 0911 Page 2 012 ;:`??'•;V ?•WvOM J.vv:::.w.M1Vw i?-:i-i::: ? ?:i \ :t\\}\i• To191 left onarged in 2010 $0.00 Total nearest dallied in 2010 $163.23 Year-lo4ate blab rated all Umrges mires rly refrhds applied b Your WW rd On a alley Jaaary 31, 2010. INTEREST CHARGES Your Annual Percentage Rafe (APR)is IIte amur vas" rate on your aoootnt Amur Balance Acaued Balance PIr4soft-Rot(APR) Sub(ecf TO kwumat Interact Type 31 Days MCyde Inter- at Rafe Charges Charges Purchases - 27.90%(h $2.01425 $4729 50.00 Cash Advances 27.99% (w) $0.00 $0.00 $O.OO Balance lraruter 27.99%(v) $4.002.51 $0514 $0.00 Promotion 4.99% $4.769 as $2021 50.00 (v) . Vmatla Rata Please am Manywition About Yow Account section for the Calculation of Balance SLAed to Interest Rate, Annual Renewal Notice How to Avoid ntereal on Purchases. and other imporad adomhetion. as applicable. 8364508 an ,Is ah Fatsknlle - Not an odgkial X amem Remaeos ThIsSWIwment P4202 ease wrns23o. ® 000005000323owu 80 of 141 Statement Date: 02/02110 - 03101/10 Account Number: 5401 6830 1490 0911 Page 2 of 2 r201p 7ata?a*lfwr-bo?CTata=- Total fees charged in 2010 539.00 Total interest charged in 2010 5314.50 Year-lo-dale totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 28 Days In Cycle Interest Rate Charges Charges Purchases 27,99% (v) 52,097.76 545.04 SO.00 Cash Advances 27,99% (v) 50.00 50.00 50.00 Balance transfer 27.99% (v) S4,094.02 S87.90 50.00 Promotion 4.99% 54,789.18 518.33 S0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice How to Avoid Interest on Purchases, and other important information, as applicable. 8364508 This-Siatement is a Facsimile - Not an original X 0000001 f1533:338 D 5 000 N 2 01 10,03101 Page 2 or2 05686 MA rM 28057 06010000050002805702 P Plan t Out Daft New Salmon Past Due Amount INnemum Paynrm O.Yla/f0 (11,003.01 (848.00 (1,147.00 Accourd IaarltFrdr_ 54010830 14p0 O111 Net. yeu check payable to: Chase Carr 9arvteea. Pals. wrik. lalndrt a sad. New, address ar amd? Print on tack 54016830149009110011470001109301000000000000000 21051eDk2010100 LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1166 L..IILnlll..•m.il n IL •oILoILIL.L.Ln.11 AL.J•1.1 1...111.1..1.1 L.1.31...1.1....11.I.I.n IL.I.L..11..161 CARDMEMSER SERVICE PO BOX 15153 WILMINGTON DE 108865153 1: 5000 1,60 28t: 0209 30 149009 1,1900 CHASE 0 O M..&" yen. eoc...rr 00.10.: A. M." wftc blennarea ,tee, cememendy located ca ra arse ice 8364508 ACCOUNT SUMMARY Account Nunbor: 5401 8«!01490 0811 Prwious Balance $10.902.74 Fees Charged x$39.00 Interest Charged .(15127 New Balance $11.093.01 Opening0oaing Dale 02102/10 - 03M V10 Total Credit Line (10.500 A oileble Credit $D Cash Access Line $4.200 Avtiteble to Cash f0 PAYMENT INFORMATION ft 1,o93.d1 Ness Bow= Payment Due Date 03AMO VmwT nn Payment Due $1,147.00 Laws Payment Warning: It i e do not fareiveyam mmium payment by the dare lisled above, you may hers b pay up b a $39.00 lets lee and your APRs sill be subject 10 increase to a maximum Penalty APR of 2699%. Mhnlmum Paymarm W&Wng: 8 you rteb ory the nteimra payrriem each Prod YOU VA pry more in inwaM and it viii take you longer to pay on your balance. For emlpW If you make no You will pay dl the And you will end up additional charges balance allovan on paying an saernaed using this card and this geftnwn in total 01 each mordh you about.. pay.. Cray the meant m 35 years (35.965 payment (441 3 Years $15.951 (Saving-SW.104) It you would ilea idortaston about credit causaag seMcss, call 1466797-2085. The charge pmilegs on your Credit card account have been revoked. You no longer have am abhy b use you credil cwrd acowm for purchases. We can help you get hack an tack Cal 1-800-955.9030 (cosecr 1-302-594.820)) belay. mportant Message: You M OverlirM Your statement balance exceeds your credit line You should me" a payment this includes fie overlim8 010011110 bang the balance under yam credit line. REWAROSSUMMARY I Previous Pouts Balance 0 Thank you for using the aedil card tM slims Points Earned On Purchases 0 rewards wet can be used tar your deice of gift Points Untivalable for Redampion 6.35a cards, nn or summers asddil. Remember, Points Espied This Prod 32 You Can earn points by Uwng You Ffs Cash Curers Points Tom 0 credit card for vow wjwydey purchases like Ohs and grocery P- 29 Points Due To Expire on Statement in April. 2010 You Free Cash credit cad earns 1 point for every does, $1 you spend on pure ai es. Earn additional pans - as much as 10 points per $1 shopping nlne through srww chase corrWeserdepl a. Add authorized users and sign up to have you MoNHy bills charged b your card. Why not gel points for all alone pkrdhaaes too? Redeem you pone anyone, or Iiusl check out near offers at www.chse.comfrewards. ACCOUNT ACTWY Date of Transaction Merdem Name or Train heeaon Dow Pharr $ Amount ae',_?;?,):a.'{?ii\ 2?}'i ?'u`k ??:t`t t,,\`.. `tev? :rnh;:.?,'. x 'o7N{7".?.?.2:7::J::Y'S'=?-Wf x 4 ;:.?.:c3:?.:;.::::;d:- -:-*v.'.?i'..-_.,`??':.;'\;::'='?'::: ??1y??° ??o'''?':,-" ..,.:zt`.';- :-'.•'.C-'`??-h'ar'?i',??,.'c: 02~/26 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 A w.y:::':c.:..1•`-t'.,v::kao.•j}1.+cW,.:,:?';\A%?.:;o.}?t;c, t:•'.aj••'>`\?# ..:.. ..........:.. .._-y'nj;'CC5?3A.:? 03%01 PURCHASE INTEREST CHARGE 46-04 03/01 BALANCE TRANSFER INTEREST CHARGE 87.90 03101 PROMOTION INTEREST CHARGE 18.33 TOTAL INTEREST FOR THIS PERIOD $151-27 This Statement Is a FaestllMle - Not an odghwl 0)000n F1333331D5 000 N 2 w 100141 P.Q.102 Qee WW 201157 0fe1e010mooom67o1 X man 82 of 141 Sbtenea Dow. 02!02110 - O3fO1/10 Amount Number: 6401 6030 1490 0911 Page 2 of 2 Told fees durgsd it 2010 f39.OO Told intoned drgod in 2010 f314.5O Year -bdata lydab reflect 0 dwgaa ruins Wry Mulls applied to your account on or after JwwmV 31, 2010. INTEREST CHARGES Your Annual Pwcw t ge Raft (APFQ is the annual waxes rape on your a=unt Annual Balance 4eaued Balm" Psranlge Rate (APR) OU40"TO Intimate Intense Type 26 Days In Cyde Interest Rab Charges Charges Purchases 27.99%(v) $2.007.76 54594 $0.00 Cash Advaa« 27.99%(y) $0.00 50110 $0.00 Bamme tra.ar 27.09%(V) $4.094.02 56790 $0.00 Ftonrolion 4.99% $4,7.16 $1833 $0.00 M - Vaiatls Forte Please ace illonmation About Your Amount ssckn for the CalWation of BWnos Subisif 10 Inbred Fiats. Annual Renewal Notice How to Avoid hisrem al Pudnses, and "err important Womrtion. as applicable. 8364508 This SMement Is a FacabMie - Not an odgtnal R O){IpWI R88'?eO7 see N 2 m io® PW202 09ee WW 2*w aOleet00le00a1D510T 84 fat 141 Payment Due Date New Balance Past Due Amount Minimum Payment 03126110 $11,093.01 5846.00 51,147.00 Account number: 5401 6830 1490 0911 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 54016830149009110011470001109301000000000000000 28057 BEx Z 06010 D LISA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1168 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 l: 5000 160 2131: 209 30 14 9009 1 1911' CHASE ® Manage your account online: Additional contact information www.chase.com/rred4cards conveniently located on reverse side 8364508 ACCOUNT SUMMARY Account Number: 5401 68301490 0911 Previous Balance 570,902.74 Fees Charged +S39.00 interest Charged ,S151,27 New Balance $11,093.01 Opening/Closing Date 02/02/10 - 03/01/10 Total Credit Line 510,500 Available Credi! so Cash Access Line 54,200 Available for Cash So PAYMENT INFORMATION New Balance S11,09101 Payment Due Dale 03/26/10 Minimum Payment Due S1,14700 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have !o pay up to a 539.00 late fee and your APRs wig be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Warning: If you make only the minimum payment each period, you wit pay more in interest and it will take you longer to pay off your balance. For example If you make no You wit pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you aboul- pay .. Only the minimum 35 years 535,965 payment $441 3 years 515,861 (Savings=520:104) If you would like information about credit counselirg services. call 1-866-797-2885_ 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. Important Message: You Are Overlimit! Your statement balance exceeds your credit line. You should make a payment that includes the ovedimil amount to bring the balance under Your credit line. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Unavailable for Redemption 6,358 cards, cash or statement credits. Remember, Points Expired This Period 32 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases lice gas and grocery purchases. 29 Points Due To Expire on Statement in April, 2010 Your Free Cash credit card earns 1 point for every eligible S1 you spend on purchases. Earn additional points - at; much as 10 points per S1 shopping online through www_chase.oom/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime. or just check out new offers at veww. c ha le. c o mYewa rds . ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount _ N 02;26 LATE FEE 39 00 TOTAL FEES FOR THIS PERIOD 539.00 - _.. _ _ .,. INTEREST CHARGED _..>. 03101 PURCHASE INTEREST CHARGE 45.04 03/01 BALANCE TRANSFER INTEREST CHARGE 8790 03101 PROMOTION INTEREST CHARGE 18.33 TOTAL INTEREST FOR THIS PERIOD 5151 27 This Statement is a Facsimile - Not an original 0000C01 (1533-'43e 75 000 N Z 01 IM101 Page 1 or2 05686 MA KIA 28057 OW'000005"28057,01 X 037 1 Pa) mm Due Data New Balance Pas Due Amount Mlydmunl Payment OV?N70 S71,g9301 51,147.00 51,39800 Account raartber: 5401 OB3014B0 0911 MNrw"ae yr ctad P.y.bl. t.: Chase Card 9arlo... Pddraa emowd arabNt. N.w addrNS or amei4 Print on tack 540168301490091100136800011D930100000000D000005 02MOM a 001100 USA M MCLAIN 116 VYYNNVMD AVE CARLISLE PA 17013-1166 I...II I ...III ......I1..11....11. .I I.I I..IA-11 A...1.1.1 1...111.1..6.1.1..1..11...1.1....11,1.1...11..1.1...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 194186-5153 1:5000 160 281: 209 30 11.9009 L i91ra CHASE O H Mu..9•y?•?K ?»: Addstsral contact kderrnaoen ealvvnanhtytda.se do rw. 9e Ada sister ,heas comicrielacertI3 ACCOUNT SUMMARY Account Number: 5401 0030 1490 0911 Prevmous Balance $11,003.01 New Balance 511,093.01 Opening/Cbeng Dine 03102110 - 04401110 Total Credit Line $10.500 Available Credit SO Cash Access Lim 54,200 Makable for Cash 50 PAYMENT INFORMATION New Solaro $11.093.01 Payrnerd Due Dale 0426110 kill un PayrMm Due $1.369.00 Late Payment Warr.Mrg: 11 we do not receive your mn imurrr paymrd by Oho data fated above, you may have to pay up b a $39.00 ale fee and your APRs wB be W49a 10 !mesa* to a ma+unun Penalty APR 0129 6014 You ha+an7 made he retlurred payments and you Credit card account is 90 days peat due. As a rem di, your credit bureau may be updated wih a ne0aw" ring. Please send you payment immediately or aN us at l 4W455-0030 (CONGO 134D2b94-0200) lod ay. Imports" Message- You Are Overin4! You statement balarhce exceeds yOUr credit inc. You Mould make a payment that includes the warlima amount to bring he balance under Vow cheap lire. REWARDS SUMMARY I Previous PoVS Balance 0 Thsad you for using the credit card hat eerie Points E- On Purchases 0 regards Vast can be used for you choice of gag Points Unavailable for Redempton 6,320 cards, cash or sistrta m me". Remstiber, Points Ext. This Period 20 you Can earn Points W using yaw Fee Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases_ 37 Pokda Due To Expire on Statement in May, 2010 You Fee Cash credit oral arm 1 point for wry diode $1 you apend on purchases, Eam additional points - as much as 10 POiM$ par $1 Shopping ordiul through wh.w.dhaeemnt4ewardB&a Add aWwftod hssm and sign up to have your monthly bills Barged b your card- Wiry not got points 1r all those purchases too? Redown your points anyone. or just check out new offers at www.mase.crnnewsrda Total leas Charged in 2010 139.00 Total interest Charged in 2010 $314.50 Year-lodate tmstS reflect al charges minus any rshnds applied to yaw aocoum on or after January 31, 2010 8364508 INTEREST CHARGES You Annual Parcer"age Rafe (APM is to smual wrest rate on yaw account. Ai rust Balance Accrued Balance PererHage Rata (APR) Subject To Interest street Type 31 Days In Cycle It hers Raft Charges Charges Purchases 27.89%(x) $0.00 $0.00 $0.00 Purchases 27.90%(t) $0.00 $0.00 50.00 Cash Advances 2790%(-4 $0.00 $0.00 $0.00 Cash Advances 27.99%(y $0.00 S0.00 50.00 Balance Minster 2799%(v) SOHO $0.00 $0.00 pforrelton 4.89% $0.00 S0.00 $0.00 (v) - Variable Roo Pldaae see Information About You Account section tar the CaldvY/bn of Balance Subject to Intros Rate. Annual Renewal Notice How to Avoid Interest on Purhasaa, and other important irdon , tort as applicable. This Statement Is a Fa =hale - Not an odginai 00r F63231009 000 r a 01 1010401 -M.t d1 OWN MA 1st 02035 DM 10DUDN? X 0]71 W9,14585 44 of 141 Paymnt Due Data New Balance Past Due Amon" Minimum Poynter" 05I2N70 511,003.01 31,360.00 51,57x00 Account msrttter: 5901 0830 1?D 0911 - Makt roar deed payaWate. Caw CaN 9arnrlees. Pleaaewila croon errbsad. Now addren or wince? Prim on had 54016830149009110015890001109301000000000000000 OWN 8EX s taco D USA M MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1160 It.nllirrrlllrr.nr.lit..il...rllnnnll.ll..lr.l.rr.lidin.nirlrl Inc.IIlrI.rL.1.L.6rII.r.1.1.r..IIrIhJ..rllrrl.l..rll.nllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19006-5153 is 5000 160 281: 209 30 149009 i 19NO CHASE O 8 M.na9a your aaeeuira A-: AddUh d contact itan 6- Y•Jml caweniaraly located on rvvrsa laid. stern, ACCOUNT SUMMARY Account Ntanber: S401 0890 1490 0tH Previous Balance $11,093.01 Now Balance $11,09071 OpeninglCbatng Data 04102flo .05,02/110 Total Credit Line $10,500 Available Credit $0 Cash Access Line $4.200 Available for Cash $0 PAYMENT INFORMATION -777771 New Balm" S11.093.01 PayrTst i Due Date 05/2610 Mirinatm Payment Due 51.509.00 late Poyntr" WvMrg: N we do not receive you nw.mum poynsm by the dab bled above, you may have to pay up to a $39.00 tale be and your APRs w9 be w0ea to increase to a rtsmrit rn Partiality APR of 29.99%. It's not too lot 10 resolve Me ouMlanQag balance on your credit card alccouM We have a variety of payment opaona inn maybe right for you Call t-B00-792-7547 (tolled 1-302-594-200) today. InQortani Message. You Are Ovedari} Your statement balance efcaeOS your credit one. You should make a paynrwe the includes the ovwbw amount to bring ate balance under your brads Ina. REWARDS SUMMARY Previous Poirds Balance 0 Thank you for tang the credit card Bet errs Points Earned On Purchases 0 rewards tat can be used for your choice of grit Pants Forfeited The Period 8,329 crids, cosh or sMansnl Oradds. Pmraaber, Points EVred This Period 0 you ash cam pons by -M your Free Cash Current Points Tote 0 credit card for your everyday padhawa We gas and grocery purdhhs. Your Free Cash credit card earns 1 point for every eligible 51 you spend on puc haws. Earn additional pouts - as much as 10 points Per $1 shopping online though www.chase .mrrWessAapkis. Add aunorized usem and aig n up to haw your monOSy bias charged to you card. Why not gal points for all those purdrases too? Redeem your points aryimv, or just deck out new otters at www.dhase.conNewarda '[,.'?".'N"?`:;?R?2;,•?'? •.`.•.:.a?•?'•?3:.-,. '-`-a.:S:.tE:'?.+1?•..?.ala'C?tia=?' Toll tees charged n 2010 $30.00 Total interval dwasd in 2010 $314.50 Yesmo•date tolls reflect all dirges Onins any refunds applied to your amount on or aflw January 31, 2010. 8364508 INTEREST CHARGES Your Annual Percentage Rote (APR)s to annual tmwest rale on your accoure. Amur sconce Accrued Balance Peranlaga Rob (APR) SU400 To Inaree Ynteree Type 31 Days In Cycle Interest Raw Charges Charges Purchases 27.90%(y $0.00 $0.00 $0.00 Purchases 27.99%(1) $0.00 $0.00 $0.00 Cash Advances 27.99%(v) $0.00 $0.00 $0.00 Cash Advances 27.999E (v) $0.00 $0.00 $0.00 Balance transfer 27.991%(V) $0.00 $O.oo Woo Promoim 4.989E $OAO $0.00 Woo (v) - Venable Rate Plesse sea Irdontheaon About Yom Amount section for WB Calculation of Balance Subject to Interest Rae, Annual Ranowal Nonce How to Avoid Interest on Purdresea, and other impa1rt nlormalion, as applicable. This Statement Is a Facsimile - Not an original 0000001 F533 011De ate Y e of IOWA2 Pq.t et r150M aasW .58" IZ"Dopoomooo 5emol X Win 50 of 141 Parnent Duo Dab Nov Balance Pat Due Amount Minimum Payment tltt/2ar1o $1t,g93o1 Et,s99.bo sl,elaoo Account raat-bay: 5401 083D 148D 0811 . wk. your cl.edr Peyewe W CJ.er card 9er.riwa Plaasevwae ermant endoees. New adduces It anwa4 Print es hell 54016830149009110018100001109301000000000000003 awed a 1szt0a USA M MC W N 115 WYNNWOOD AVE CARLISLE PA 17013-1168 L.•IIi.• rIIL..•..IL• IL..•IL..ILIL•L.1..•.Il dl•.•LLI I...111.1.•I. J.1..1.•II...1.1....11.1.1...11..1•I...Ii.•11..1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-6153 450001,602131: 209301,490091,11,911" CHASE O 8 sea ge your aceou•it ens": Additional cerntect keomeadon awes, MM c9micrsdbmrds conventernay I-ed on reverse side ACCOUNT SUMMARY Account Number: 5401 88701490 0811 Previous Balance $11,093.01 New Balance $11,093.01 OpenirgiCbsing Dale OSMY10 - 06A7/10 Total Credit Una $10,500 Available Credil EO Cash Access, line $4,200 Avesilsetele for Cash so PAYMENT INFORMATION New Eldance $11,093.01 Payment Due Dale 06Q8010 AAnimurn Payment Due $1,810.00 Lau Payrmis Warning: If we do not receita yam mnnium pepmam by the deft feed above. you fray heave to pay up b a $39.00 late tee and your APRs wig be subject to increase to a nnaorrun Pally APR of 29.99% You havonl made he raWred payments and your credit cad account is ISO days past due. You o oil am things sound. CON us, today at 1 E88-792-7547 (collect 1-302-694A200) s,0 that we an land a OONNon for your situation. erportant Message: You Are OveMffvg Your setenent balance exceeds your credit ins, YOU should rake a peymisrn the includes fie ovalnsit amount to bring the balance under your credit line. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card thst same Points Earned On Purcnaws 0 rewards flat can be used for your Isom of gift Points E>pyed I N% Period 0 cards, cash or stalernsivn credits. Asmarrber, Current Points, Total 0 you ken earn point by uaahg your Free Cash credit card far your everyday purchases like gas am grocery prcesss. Your Free Cash credit card arms 1 point for every d-gibla $1 you apart on purchases. Earn additional points - as much es 10 points par $1 ehopping online thramgfh www.c eases, Maaardpta Add s uNterrzed users and sign up to hove your nan9iy bias charged n your card. Why not gad poems ter all those pvdsmes too? Redeem your points anytime. or just Check owl new offers at www.chese. con*swnrde. Total fees charged in 2010 $38.00 Total neraet charged k I21110 $314.50 Yew-lo-dale noels reflect all charges movies any nal nM applied 10 your a¢dum On or after January 31, 2010. 8364508 INTEREST CHARGES 71 Your Annual Parcantage Rabe (APR) is the amual interest roe on your accord. Annual Balance AtaruW Baanm Percentage Rau (APR) Subject To Intareet ft•seraaa Type 30 Days In Cycle krw~ Rob Chwgee Charges Purchases 27 99% (v) $0,00 $0.00 $000 Purceees 27.99%M SDT 00 $0.00 $0.00 Cash Advenose 27.99%(V) $0.00 $0.00 $0.00 Cash Advances 27.99%(1) $OV0 $0.00 $0.00 Balance rernstar 27.98%M $0.00 $0.00 $0.00 Promotion 499% $0.00 $0.00 $0 W (v) - Variable Roe Please see Information About Your Accourd election for the Calculation of Balance Subject to knerest Rae, Annual Renewal Notice How to Avoid Interest on Purchases, and other important irelormallom as applicable. This Statement Is a FacsMle - Not an odgtnal 0000001 F633MD7 000 Y 0 0. 1006,01 Pg91 et OSeae W W Otaas 19n 00fOW00001®a X e071 NS11e19 48 Of 141 Paylaerht Oua Date New Balance Past Due Amount MMnu s Paynnerrt 07fJlJ10 111,093.01 S7,a10.00 52,091.00 AceouM ltuatbar: S$016B30 lAYO 0911 Make year check Payable b: P taro 9wless. Plsoss walla amount: anclo wd. New address or egnsi ? Print on hark 54016830149009110020310001109301000000000000007 01733m a lal100 LISA hill MCLAIN 116 WYNNWOOD AVE CARLISLE PA 17013-1166 l...ll6ulll.... AI.. L-111rNILIi..1..L..r11.11.NLL1 ... 116..rllllrl.Nli.rill...MAIM CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19MG-5153 i:500D i60 2Bi: 209 30 149009 i i9t' CHASE O 8 alan.Ileyolraeoalsterane: AddN."Ownt.4 Worried- warer chase convarenay toratsd w reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Nanbar: 5401 OM 1490 0911 New Balance $11.003.01 Previous Balance $11,093.01 Payment Out Date 072N/0 New Balance $11,093.01 lanimum Payment Due $2.03100 Opening. Closing Dale 06!02710 - 07A1110 Total Credit Lino $10,500 Available Credit $0 Cash Access Lora $4.200 Avaitsds for Cash SO Laft Payment Wanting: If we do not receive your minimum paymend by the deb listed above, you may have to pay up to a $39.00 tale tae and your APRs will be aut ie61 to increase o a manAlRl Perafty APR of 29.99% The outstanding balance on yew credit card account is scheduled to be wwiaan Off as a bad debt snoriy. As a result. your credit bureau will be updated with a negative rating that could tub for up to seven years, We can shit help but you need to ml ha now at 1-181-792-75+7 (oolbtl 1-302-594-9200). tmpor at Maaaege- You Ana Ovelimi9 Your aManent balance exceeds your credit line. YOU shoul d make a payment that includes the overland arnourn td bring the balance elder yew weft line. The account is dosed and not &voted* for new transectona. 9 hero is a balance plaese oontnue to make payments by" due, date [REWARDS SUMMARY Previous Pans Balance 0 Thenit you for using the Crehl std tat earths Porms Earned On Purchases 0 rewards tat can be used for your choice of gat Pains Expired Tres Period 0 cads, cash or stalensnt aedib. Remernber, Ctrrem Pours Total 0 you can cam points by using your Fes Cash credit cad for your everyday, ppurchases Ow, gas and grocery purchases. Your Free Cash credit cad Bans 1 point for every eligible $1 you spend on Purchases. Earn additional points - as much as 10 Points per $1 shopping once trough www.c aw.coMreasrdtplua Add adhorfzed uw% and sigh up to rave your rmntty bit charged 10 your card. Why not get points for all those purchases too? Redeem your pants anyone. or just cheek out now cows at www.chase .eon*ewarda Total lase charged in 2010 $3woff Total imerew changed in 2010 $314.50 Year40-0ae lolats reflect all Charges name arty refunds applied to Vow account an or after January 31, 2010. 8364508 INTEREST CHARGES Your Annual Percerriage Rae (APR) is is annual interest rate on your aomat. Animal Balance Accrued Balance Perearrtege Rots (APR) Sub(ed To Interest Ycerest Type 30 Days In Cycle lrntorast Raft Charges Charges Purchases 27.99%(v) $0.00 $0.00 $0.00 Ptcases 27.9W. (v) $0.00 $0.00 $0.00 Cash Advances 27 99%(v) $0.00 WOO $000 Cash Advances 27.987 (N $0.00 $0.00 50.00 Balance trarrater 27.OW.(y $0.00 50.00 $0.00 Promotion 4.99% $0.00 $0.00 $0.00 (v) . Venable Rae Please see Information About Your Account section for 1st Calculation of Balance Subject to Interew P aA Annual Renewal Nodes Mow 10 Avoid ktterest an Purchases, and other important nlormahon, as applicadw This Statement Is a Facsknlle - Not an out bbl 0000001 FIeS'41,s1310 000 Y e 01 low7M P.D., dl "M Nw1M0703 tea 000e0000017300r X 0371 Nea5e 76 of 141 VERIFICATION The undersigned is an Officer of Chase Bankcard Services, Inc., which is a subsidiary and agent of the Plaintiff that maintains the records and services the credit card accounts owned by the Plaintiff. The undersigned is authorized to make this verification for and on behalf of the Plaintiff and is familiar with Plaintiffs account in this matter. Based upon my review of the Plaintiffs books and records of Defendant's account(s), I have personal knowledge of the facts set forth in the attached pleading. Records such as these are kept in the regular course of the Plaintiff s business and it is the regular course of Plaintiffs business to maintain these records. These records and the entries thereon are made at or near the occurrence in question by, or from information transmitted by, a person with knowledge of the account. This verification is made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification to authorities. ?f (Signature) AN"& tech WWR#8364508 Client Account # 5401683014900911 Name Lisa McClain CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffs Second Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on day of I , 2011 upon the following: Joseph Murphy, Esquire The J. Murphy Firm 210 Grant Street, Suite 301 Pittsburgh, Pa 15219 By: Sarah E. Ehasz, Esquire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY63 = -{ w PENNSYLVANIA zM -? rn Fri r CIVIL DIVISION CHASE BANK USA, N.A., :z_ C)7 Plaintiff Docket No.: 10-4208 V. _ C-j ^=' LISA M. MCLAIN, Defendant. ANSWER TO SECOND AMENDED COMPLAINT AND NEW MATTER Filed on behalf of Defendant LISA M. MCLAIN Counsel of Record for this Party: Ashley M. Derr, Esquire Pa. I.D. #306604 The J. Murphy Firm 210 Grant Street, Suite #301 Pittsburgh, Pa 15219 (412) 521-2000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff Docket No.: 10-4208 V. LISA M. MCLAIN, Defendant. Certificate of Service I do solemnly swear that a true and correct copy of the within ANSWER TO AMENDED COMPLAINT AND NEW MATTER was delivered to the below party or counsel as follows: Sarah E. Ehasz, Esquire WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 [ XX ] Via First Class U.S. Mail, Postage Pre-Paid [ ] Via Facsimile: [ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail Pre-Paid Carrier: Article Number [ ] Via Certified U.S. Mail, Postage [ ] Other Method as follows: Pre-Paid, Return Receipt Requested. D 4AIfe M. f 2/15/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff Docket No.: 10-4208 V. LISA M. MCLAIN, Defendant. ANSWER TO AMENDED COMPLAINT AND NOW, comes the Defendant, comes Defendant, LISA M. MCLAIN, by and through his attorneys, THE J. MURPHY FIRM and ASHLEY M. DERR, ESQUIRE, and files the within Answer to Amended Complaint and avers as follows: ANSWER 1. Paragraph 1 of Plaintiff s Complaint is admitted. 2. Paragraph 2 of Plaintiff's Complaint is admitted. 3. Paragraph 3 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. COUNT 1- BREACH OF CONTRACT 4. Paragraph 4 of Plaintiff's Complaint requires no response. 5. Paragraph 5 is admitted in part and denied in part. While it is admitted that the Plaintiff mailed Defendant a credit card, Defendant is without knowledge or information sufficient to form a belief that Plaintiff s Exhibit "1" is in fact the agreement. Therefore, this averment is specifically denied and strict proof is demanded at the time of trial. 6. Paragraph 6 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 7. Paragraph 7 of Plaintiffs Complaint is overly broad. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. 8. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 8. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. 9. Paragraph 9 contains a conclusion of law for which no reply is necessary. By way of further answer, while it is admitted that the Plaintiff has attached a series of statements setting forth payments, charges, and interest charges to their Amended Complaint as Exhibit "Y', Defendant is without knowledge or information sufficient to form a belief that the interest rate, charges and other fees contained on said monthly statements are accurate. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 10. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 10. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. 11. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 11. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. 12. Upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments contained in Paragraph 12. Therefore, the averments are specifically denied and strict proof is demanded at the time of trial. 13. Paragraph 13 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 14. Paragraph 14 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 15. Paragraph 15 contains a conclusion of law for which no reply is necessary By way of further answer, Defendant did not willfully fail, nor did he refuse to pay the principal balance or any other charges. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 16. Paragraph 16 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 17. Paragraph 17 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. COUNT II-UNJUST ENRICHMENT 18. Paragraph 18 of Plaintiff s Complaint requires no response. 19. Paragraph 19 of Plaintiff's Complaint is overly broad. By way of further answer, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 20. Paragraph 20 is specifically denied. The benefit of goods and merchandise was not conferred upon the Defendant by the card or the Plaintiff. Rather, the goods and merchandise were provided by the merchants who sold the goods and merchandise to the Defendant. The only "benefit" conferred upon the Defendant by the card or Plaintiff was an extension of credit. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. 21. Paragraph 21 contains a conclusion of law for which no reply is necessary. By way of further answer, Defendant did not willfully fail, nor did he refuse to pay the principal balance or any other charges. Therefore, those averments are specifically denied and strict proof is demanded at the time of trial. NEW MATTER 22. The Defendant also Pleads to the extent Plaintiff suffered any damages, which Defendant expressly denies, Plaintiff has failed to take the steps necessary to mitigate the damages sustained. Respectfully Submitted: THE J. MURPHY FIRM AleyM,. 4efendant) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CHASE BANK USA, N.A., Plaintiff, V. LISA M MCLAIN, Defendant. CIVIL DIVISION ``rn ` r=- --d cz) NO: 10-4208 ' PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8364508 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CHASE BANK USA, N.A., CIVIL DIVISION Plaintiff, V. LISA M MCLAIN, Defendant. NO: 10-4208 PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER AND NOW, comes the Plaintiff, CHASE BANK USA, N.A., by and through its counsel, Weltman, Weinberg, & Reis Co., L.P.A., and files the following Reply to Defendant's New Matter, averring as follows: NEW MATTER 22. Paragraph 22 is a conclusion of law to which no response is required. To the extent that a response may be deemed necessary, same is denied and strict proof thereof is demanded at trial. By way of further response, any and all allegations/insinuations of wrongdoing on the part of the Plaintiff are strictly denied. WHEREFORE, Plaintiff respectfully requests that this Honorable Court find in favor of the Plaintiff and against the Defendant. Respectfully Submitted, Sarah E. Ehasz, Esquire U Pa. I.D. # 86469 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8364508 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Reply to Defendant's New Matter has been sent to the following parties by first class, U.S. Mail, postage prepaid, this A- day of 2011, as follows: Irene M. Costello, Esquire 210 Grant Street, Suite 301 Pittsburgh, PA 15219 Sarah E. Ehasz, Esquire Pa. I.D. # 86469 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 8364508 FILE0-0FF IG : "'J7 THE PRO 2011 MAY -9 I'M 1,' 12 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Sarah E. Ehasz I.D. No. 86469 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 8364508 CUMBERLANO GOWI° PENNSYLVA- IA Attorney for Plaintiff(s) CHASE BANK USA, N.A. vs. LISA M MCLAIN Cumberland County Court of Common Pleas No.: 10-4208 CIVIL TERM PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WE BERG & IS CO., L.P.A. )(t_ ? By Sarah E. Ehasz, Esquire Attorney for Plaintiff IINII1101IIIII III IIMI1111111111111111111111111111111111111111111