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HomeMy WebLinkAbout10-5355 ` G©MMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS JUDICIAL DISTRICT NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT I I COMMON PLEAS No. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Dis- trict Justice on the date and in the case mentioned below. NAME OF APPELLANT I MAG. DIST. NO. OR NAME OF D.J. ADDRESS OF APPELLANT CITY STATE ZIP CODE ,,_ DATE OF JUDGMENT IN THE CASE OF (PLAINTIFF) (DEFENDANT) vs. CLAM NO. SIGN U E OF APP I A NEY OR AGENT CV YEAR LT YEAR This block will be signed ONLY when this notation is required under PA. if appellant was Claimant (see PA R.C.P.J.P. R.C.P.J.P. No. 1008B. This notice of Appeal, when received by the District Justice, will operate as No. 1001(6)) in action before district Justice, he A SUPERSEDEAS to the Judgment for possession in this case. MUST FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. Signature o o ary or pu PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see PA R.C.P.J.P. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon appellee(s), to file a complaint in this appeal eo as p , - (Common Pleas No. .. -z'- &) within twenty (20) days after service of rule or suff ouj`udgment of non pros. f a. ?re o of lgna u -? ? appellant or his attorney or agent RUSEs -To ? ..,. .- . appellees) Name of appellees t (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty(20) days 0 after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTEREL, UPON PRAECIPE. (3) The date of service of this rule if service was by mail is the date of the mailing. Date:: ,Year g atu 1" 4 A OA I P ,. o r bly 1 White - Prothonotary Copy Green - Court File Copy Yellow - Appelant's Copy Pink - Appellee Copy Gold - D. J. Copy Proth. - 76 t t l 2O1u At62,c> t PAA 2., 01?- PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ss AFFIDAVIT: I hereby swear or affirm that I served rte' a copy of the Notice of Appeal, Common Pleas No. upon the District Justice designated therein on LYI (date of service) 4 year j b personal service +'? • ? y (certifie egistered) mail, sender's receipt attached` hereto, and upon the appellee, (name on year ?/? ? by personal service ®b certifi (registered) mail, sender's receipt attached hereto. _e Sand further that i served the Rule to Fit a Complaint accompanying the above Notice of Appeal upon the appellees wham the Rule was addressed on , year `!/i [] by personal service y (certified) (registered) mail, sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS _ DAY OF YEAR U 1 ffkoO? SOnature of o#blal here wham ahfldevk was made Jti' Me ofowah v My commission expires on 6( - ! t year f. Signature ofAlriant COMMONWEALTH OF PENNSYLVANIA 41W-1` Notarial: S" Hope A. Mattos, Notary Public Hampden Twp., Cumberland County My Commission Expires Oct. 11, 2012 Member, Pennsylvania Association of Noterlae (Domestic Only; No Insurance • ..- Provided) Ln ,. Ln For delivery ir Er .Y ul Postage $ Er Certified Fee ?' fJ i 1 1 M t ?o?tnta O 'rk? ) Return Receipt Fee 2. 30 n CI (Endorsement Required) Here t > Restricted Delivery Fee (j zip/ 0 (Endorsement Required) rR Total Postage & Fees $ CO 08? 18 !`>010 r-9 ertr o o f Ion. Mc,,- IC W. DO,C }-I o -------------- --------- ------- - ---•--•------- or PO Box No. C;ty, ware, ziP+ Mec u? I 17055 PS Form 3800 !.?c' Postal CERTIFIED MAIL? RECEIPT M (Domestic Mail On ly; No Insurance Coverage Provided) N F d li i f i- or e very n orma TAilP° tion r - r` --- a- u1 Postage $0.44 $ -100 "1 a- t Certified Fee ?.ul?f IJc f I O O Return Receipt Fee E 7 . 3t P ? H ( ndorsement Required) Ca C] Restricted Delivery Fee (Endorsement Required) $l 1, fifj r lY , a Q 7? ?1 r-q Total Postage &Fees ?•C? v, t r-9 CO en o C ? or PO Box No. PO --------- ........... b Ox 2(0?( - - - City, State, ZIP+4 --`------°- - --- ----- G G _ I PS Fomi :0r (Domestic Mai! Only; No Insurance Coverage Provides For delivery information visit our website at www.usps.comi, tt Cr ul Postage .t.. Y $ 001 v ? l 117 s?. 3t_! 08 Certified Fee \ frl Pt k C3 Return Receipt Fee $2.30 mar :- 0 (Endorsement Required) O Restricted Delivery Fee $0.00 j 0 (Endorsement Required) r-1 Total Postage & Fees $ $5.54 r-R Sent o C3 b reer, Apr. orPOB Po x. ----------- --- CO,, State, ZIP+4 Tc x-q (Of A M51-7 MUM iUlY/TBDSTi?7>cS C „ ' pgSTllL SERV/CE• Certificate of Mailing C; N o ? This Certificate of Mailing provides evidence That mad has been presented to JSPS!? for mailing CD is form may be used for domestic and international mail NZEJ Th From: 390 ?,.c?/e-- o D Aye !J /? ? ! C D PS Form 3817, April 2007 PSN 7530-02-000-9065 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL nnFS Nr)T PROVIDE FOR INSL'- ` . Received From: Michael S Travis ? 3904 Trindle Road Camp Hill, PA 17011-4246 f One piece of ordinary mail addressed to: C C-1 C 3>L X cooox o /? _ IJ .7/- Co ? Z'* 33 -:1,k1-6 6 00 n m PS Form 3817, January 2001 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANr r-oncrneecTr:P Received From: Michael S. Travis Attorney at Law 3904 Trindle Road Camp Hill, PA 17011 One piece of ordinary mail addressed to: C r 44.1 $S f7V / e ,-7140/ llcfi S G ?a L .° P m .' D C7 C ° 1>L7 3 N CCOC o ° 3> m PS Form 3817, January 2001 I G G N IN THE COURT OF COMMON PLEAS G CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN CREDIT COLLECTIONS, LLC Plaintiff/Appellee vs. ARLENE R. HESS, Defendant/Appellant NO. 10-5355 CIVIL TER CERTIFIED MAIL PROOFS OF SERVICE ¦ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ,-,M Attach this card to the back of the mailpiece, or on the front if space permits. 1. Artide Addressed to: 00() (Y1arIC i? tY1c?r-?; 507 jUu(-?h )(i r IL 5 ?fee4 CpPchc,nl cs b-r-c? ,FAA no 55 -o N CA U1 A. Signature l?gent X y? ? Addressee B. Received by (Printed Name) C. Date of Delivery L. car- P.- I q -1o D. Is delivery address ? ? Yes If YES, enter deli s RrNo 3. Se ce Type N? V Ncertified mail ? Express Mail ? Registered ? Return Recei pt for Merchandise ? Insured Mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) ? yes 2. Article Number 7008 1140 0003 9597 9559 (Transfer from service label) PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 ¦ Complete items 1, 2, and 3. Also complete A. item 4 if Restricted Delivery is desired. X ¦ Print your name and address on the reverse so that we can return the card to you. B ¦ Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: D. ' ? Agent %/' ? Addressee 3d by (P Name) C. Date of Delivery ary address different from item 1? ? Yes enter delivery address below: ? No R?b?c m. 000 co, 6sZLC i re- PC &"' ';)t-A Tall (((i ?A ?16rj I-7 3. Service Type Gt6ertifled Mail ? Express Mail ? Registered ? Return Receipt for Merchandise ? Insured Mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) 0 Yes 2. Article Number 7008 1140 0003 9597 9566 (Transfer from service label) PS Form :1811, February 2004 Domestic Return Receipt 102595-02-M-1540 F?4 J 1 ¦ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: imief i (co C (eA 4 Co?W-k 0t1S?LLC, p O 6,0,< aL `T?1? lurl A. re 13 Agent X e Z/f ? Addressee B, ved by)(P to Name) C. Date of Delivery D. ivery address different fron>m 1? ? Yes ES, enter delivery address below: ? No 3. Service Type 9 Certified Mail ? Express Mail ? Registered ? Return Receipt for Merchandise ? Insured Mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number 7008 1140 0003 9597 95'3 (Pansfer from service label) PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 ri ED-'0 EF' ICE HE PROTHONOTARY X010 SEP 17 AM 11: 04 CUMBERLAND COUNT' I' NYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COU T , PENNSYLVANIA CIVIL DIVISION PLAINTIFF AMERICAN CREDIT & COLLECTIONS, LLC P.O. BOX 264 TAYLOR, PA 18517 VS. DEFENDANT ARLENE HESS 306 RESERVOIR ROAD MECHANICSBURG, PA 17055 COMPLAINT IN CIVIL ACTION DOCKET NO.: 10-5355-CV FILED ON BEHALF OF PLAINTIFF ATTORNEY OF RECORD OF THIS PARTY: Robert M. Cohen, Esquire PA I.D # 44551 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PLAINTIFF AMERICAN CREDIT & COLLECTIONS, LLC P.O. BOX 264 TAYLOR, PA 18517 NO.: 10-5355-CV vs. DEFENDANT ARLENE HESS 306 RESERVOIR ROAD MECHANICSBURG, PA 17055 COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or obligations to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Court Administrator 4th floor, Cumberland County Courthouse Carlisle, PA 17013 717-240-6200 AMERICAN CREDIT & COLLECTIONS, LLC P.O. BOX 264 TAYLOR, PA 18517 PLAINTIFF vs. ARLENE HESS 306 RESERVOIR ROAD MECHANICSBURG, PA 17055 DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION DOCKET NO.: COMPLAINT 10-5355-CV NOW COMES, the Plaintiff by and through its Attorney, Robert M. Cohen, Esquire and hereby complains as follows: 1. The Plaintiff is AMERICAN CREDIT & COLLECTIONS, LLC, a Pennsylvania Limited Liability Company with a mailing address located at P.O. Box 264, Taylor, Lackawanna County, Pennsylvania and offices located at 921 Oak Street, Scranton, Lackawanna County, Pennsylvania. 2. The Defendant is Arlene Hess, an adult individual, who currently resides at 306 Reservoir Road, in Mechanicsburg, Cumberland County, Pennsylvania, 17055. COUNTI-CONTRACT 3. Defendant applied for and received a credit card with CHASE, USA NA bearing the account number (4266841068743192), on or about October 26, 2005. 4. Defendant made use of said credit card, thus accepting the offer of credit, and has a current balance due of Six Thousand Six Hundred Twenty Seven Dollars and Three Cents ($6,627.03) as of September 14, 2010. See Cardmember Agreement, the writing governing the terms of the extension of credit, attached as Exhibit "A" and monthly statements, collectively attached as Exhibit "B". 5. Defendant is in default of aforesaid Agreement, as of November 19, 2007, by failing to make required monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff, pursuant to said agreement. 6. Plaintiff purchased the Defendant's debt on January 22, 2010. See Plaintiffs Bill of Sale and Chain of title, collectively attached as Exhibit "C". 7. Plaintiff is entitled to the addition of interest pursuant to Exhibit "A", at the conservative rate of 19.99% per annum on the unpaid balance as pre judgment interest from the date of default of November 19, 2007, up to the date of judgment. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff, thus damaging Plaintiff. Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for judgment in its favor and against Defendant, Arlene Hess, individually, in the amount of $6,627.03, with continuing pre judgment interest thereon at the rate of 19.99% per annum from September 14, 2010 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs. COUNT II - ACCOUNT STATED 9. Paragraphs 1-8 are incorporated herein. 10. Defendant received aforesaid monthly statements, and did not timely dispute the charges therein. 11. Defendant made partial payments on the balances then due. 12. The account stated was impliedly accepted by Defendant. Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for judgment in its favor and against Defendant, Arlene Hess, individually, in the amount of $6,627.03, witb continuing pre judgment interest thereon at the rate of 19.99% per annum from September 14, 2010 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs. COUNT III - UNJUST ENRICHMENT 13. Paragraphs 1-12 are incorporated by reference. 14. Alternatively, monetary benefits, with which Defendant purchased goods and services, have been conferred by Plaintiff on Defendant, as stated herein. 15. Defendant has appreciated said benefits, as stated herein. 16. The acceptance and retention of such benefits under these circumstances by Defendant would be inequitable without the payment of value for same. Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for judgment in its favor and against Defendant, Arlene Hess, individually, in the amount of the reasonable value of benefits conferred, to be determined plus interest, plus costs. Dated: W _ Robert M. Cohen, Esquire PA I.D # 44551 P.O. Box 264 Taylor, PA 18517 (866) 760-6205 ext. 235 Attorney for Plaintiff This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he is MICHAEL CONFLITTI President of AMERICAN CREDIT & COLLECTIONS, LLC, Plaintiff herein that he is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief. Date: M? JJ-'_"t4 Michael orhtti, Presi nt AMERICAN CREDIT COLLECTIONS, LLC EXhlbit GG ?? A - Cardmember Agreement CMA10589 This is the Agreement that establishes the terms of your Cardmember Account ("Account") with Chase Bank USA, N.A. Please read it carefully and keep it for your records. You do not need to sign this Agreement, but please be sure to sign the back of your Card if you have not already done so. All extensions of credit in connection with your Account are being made by Chase Bank USA, N.A., in Wilmington, Delaware. Any use of your Card or Account confirms your acceptance of the terms and conditions of this Agreement. Definitions: In this Agreement, the words "you" and "your" refer to each person (jointly and severally if more than one) who has applied for the Account and any other person who has agreed to be responsible for the Account. The words "we", "us'", and "our" refer to Chase Bank USA, N.A., which is the successor by merger to Bank One, Delaware, N.A. We may at any time choose to communicate with you under our other brands including Bank One. You understand that all such brand references when referring to your Card or Account shall mean Chase Bank USA, N.A. "Card" refers to each MasterCard and/or Visa Card that is issued on your Account. The Card must be returned or surrendered to us or our agent upon request. Using Your Account: You may use your Card or Account to purchase or lease goods or services, or pay amounts you owe, wherever the Card is honored, transfer balances from other accounts or, if applicable, to obtain advances to cover an overdraft on your checking account with an affiliate of ours under the terms of this Agreement and your Overdraft Protection Agreement, ("Overdraft Advances"), (Purchases, Balance Transfers and Overdraft Advances are collectively called "Purchases"). You may also use the Card to obtain cash loans ("Cash Advances") at Automated Teller Machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; 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 yourbehalf and bill the payment to this Account. You agree to accept credits to your Account instead of cash refunds when the original Purchase was charged to your Account. We may issue "Convenience Checks" to you which may be used to access your credit line, Use of a Convenience Check will be treated as a "Purchase" in the amount of your check. Each Conveu ence Checx will contain your Account number and mayb"sed only by the peraon(s) whose name(s) is/are printed on it. Each must be completed and signed by you (or either of you) in the same manner as a regular personal check. You may not use these checks, nor may you transfer a balance to pay any amount you owe to us, or any of our related banks, under your Cardmember Agreement or under any other credit agreement or account you may have with us. You promise to use your account only for valid and lawful transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible. Obligations On Your Account: You authorize us to pay and charge your Account for all Purchases and Cash Advances made or obtained by you or anyone you authorize to use your Card or Account. You promise to pay us for all of these Purchases and Cash Advances, plus any Finance Charges assessed on your Account and any other charges and fees which you may owe os under the terms of this Agreement. You will be obligated to pay authorized charges to your Account whether resulting from (1) actual use of your Card or Convenience Checks, (2) mail rrder or telephone, computer or other electronic Purchases made without presenting the Card or (31 any other circumstance where you authorize a charge. or authorize someone else to make a charge, to your Account. Each person who is included within the definition of the term "you", above, is responsible to pay the full amount owed on the Account. We may require that you pay the full amount owed without first asking the other person(s) to pay. All payments must be made in U.S. dollars. Any payment made by check or other negotiable instrument must be drawn on a U.S. bank or a U.S. branch of a foreign bank. 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 Annual Percentage Rates ("APRs") (such as promotional APRs) before balances with higher APRs. C,rzdl, UnebA,uV:Lrizod-Usage- Ycur "rsdit fir .c showTM ors-thy 4a der.ccnt&i,,i;-3 your Csrd. Since we may change your credit line from time to time, your latest credit line will appear on your monthly statement. You agree not to make a Purchase or obtain a Cash Advance that would cause the unpaid balance of your Account to exceed your credit line. We may honor Purchases and Cash Advances in excess of your credit line at our sole discretion. If we do, this Agreement also applies to that excess and you agree to pay the excess immediately if we request that you do so. You agree that we may change or cancel your credit line at any time without affecting your obligation to pay amounts that you owe under this Agreement. We may designate that only a portion of your credit line is available for Cash Advances. If we do and you exceed that limit, you will be considered to have exceeded your credit line for all purposes of this Cardmember Agreement. For security reasons, we may limit the number or dollar amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Account, and we have the right to limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify payments received on your Account: Your total available credit may not be restored for up to 15 days after we receive your payment. Periodic Statements: We will send a statement at the end of each monthly billing cycle in which your Account has a debit or credit balance of more than $1.00 or it a Finance Charge has been imposed. Among other things. your monthly statement wig show your New Pslan?, any Finance Charge, your credit line ana available credit, your minimum payment due and the Payment Due Date. Your monthly statement will also show payment instructions and information about how we may process payment checks electronically. _ Credit Information: You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the administration of your Account. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies. - . Skip/Promotional Features: From time to time, we May let you skip or reduce one or more monthly payments during a year and/or we may tempbr?rily reduce or eliminate certain Finance Charges on all or a portion of your Account balance or offer you other special terms. if we do, we will advise you of the scope and duration of the applicable skip or promotional feature. When the skip or promotional feature ends, your regular rates and terms will resume. Refusal to Authorize Transactions: We may, but are not required to, decline a transaction on your Account for any of the following reasons: • because of operational considerations, • because your Account is in default, • if we suspect fraudulent or unlawful activity or, in our discretion, for any other reason. We are not responsible for any losses if a transaction on your Account is declined for any reason, either by us or a third party, even if you have sufficient credit available, For online transactions, we may require that you register your Account with an authorization system that we select. We will notify you if we want you to register, If you do not register, we may decline your on-fine transactions. Refusal to Pay Convenience Chocks: Each Convenience Check you write is your request for funds. When we receive your Convenience Check for payment, we may review your Account to decide whether to authorize that Convenience Check. We may, but are not required to, reject and return unpaid a Convenience Check for any reason, including the following examples: • We or one of our related companies is the payee on the Convenience Check. • Your credit fine has been exceeded, or would be exceeded if we paid the Convenience Check. • The Convenience Check is post-dated. If a post-dated Convenience Check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the Convenience Check after the date specified on the check. • You are in default or would be if we paid the Convenience Check. Default/Collection: We may consider you to be in default if any of these occurs: • We do not receive at least the minimum payment 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. Yet: i dG foi b:+ k; NiC,•.... • We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others an time. • You become incapacitated or in the event of your death. If we consider your Account to be in default, we may chase 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 12%) 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. Irregular Payments And Delay In Enforcement: We can accept late payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. The fact that we may at any time honor a Purchase or Cash Advance in excess of your maximum credit line does not obligate us to do so again. 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 THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A n!GN.T OR OPPORTUNI r! TO BRING, CLAWS €N A COUP.T, BFFOPE A JUDGE OR JUR;;-aF,DlOR TO 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. EXCEPT AS 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. §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 arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, "we", ""us", and "our" means our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we", "us" and "out" shall mean any third party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, dimctors, employees, agents anri re,.r-er,tatives) if, and only i:, such a third party is mined by you as a co-defendant in dny Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the ether, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of 1119 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 super€er, or any other legal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims Fage I rn regarding the appiicability of this Arbitration Agreement or the validity of the entire Oardmernber Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are made as counterclaims, cross claims, third 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 by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that even if a class action lawsuit or other representative action, such as that in the form of a private 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 9 either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The 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 rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration, administrators, information about, arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbtration administrators. American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017- 4605, Web site: www.adr.org, 800.778.7879 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 either be a lawyer with at least ten years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of 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 riles may limit the amount of discovery available to you or us. The arbitrator wilt 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 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 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. Casts. 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 iees of t to arbitratur and-aibiuatiwi administratoHor the f .st two days of That t,uaring. Tile ' payment of any such hearing fees by us wits be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing 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 fees and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at any time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of two neutral arbitrators designated by the same arbitration organization. The panel will reconsider aft factual and legal issues anew, follow the same rules that apply to a prnrreding rrsin^„ a. sing;c cut ;rater, and make inci,;ons, 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 expanses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, srrnrival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceedin.I •= initiated by you or on your behalf; and (iii) payment of the debt in full by you or by a third party If artyportien -of this Arbitration Agreement is deemed invalid or unenforceable, the remainin:+ portions shall nevertheless remain in force. Changes to this Agreement: We can change this Agreement at any time by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relafing to this Agreement, Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of any Change 9 required by applicable law. These Changes will be effective at the time stated in our notice. Unless we state otherwise, any Change will apply to the unpaid balances on your Account and to new transactions. 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 will be closed and you will be obligated to pay your outstanding balance under the terms of the Agreement in effect on the date you received the notice of Changa. If you do not notify us in writing by the date stated in the notice, or if you notify us but also 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. Phone Calls: In the regular course of our business we may monitor and record phone conversations made or received by our employees. You agree that we will have such right with respect to all phone conversations between you and our employees, whether initiated by you or any of our employees. Notices: We will send statements and any other notices to you at the address shown in our files. If this is a. joint account, we can send statements and notices to either of you. You promise to inform us promptly in writing of any change in your address. At our discretion, we may accept address corrections from the United States Postal Service. Assignment: We may at any time assign your Account, any sums due on your Account, this Agreement or our rights or obligations under this Agreement. The person(s) to whom we make any such assignment shall be entitled to all of our rights under this Agreement, to the extent assigned. GOVERNING LAW: THIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE L4'v? OF THE STATE OF DELAWARE Anm,,nc ,APPLICABLE, FEDERAL LAW. 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, write us on a separate sheet at Cardmember Service, P.O. Box 15299, Wilmington, DE 19850- 5299. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. _ It we find that we made -a mistake on youi bill, you wiA not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you wig 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 fait 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 still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell 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 cant collect the first $50 of the questioned amount, even 0 your bill was correct. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your hcu^c state, within 100 miles of your current mailing address, and (b) The purchase price must have been more •.itan $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your Aling 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. It 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 $10.00 or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: $100; 2% of the New Balance; or the sum of 1 % 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. Minimum Finance Charge: There is a minimum FINANCE CHARGE in the amount stated in the Table of Interest Charges in any billing cycle in which you owe a Periodic FINANCE CHARGE. Periodic Finance Charge Calculation-Two-Cycle Average Daily Balance Method (including New Purchases) for Purchases and Average Daily Balance Method (including New Transactions( for Other Transactions: We calculate Periodic FINANCE CHARGES separately for each feature such as Purchases, Overdraft Advances, Cash Advances, Balance Transfers, Convenience Checks or Promotional Balances. We figure the Periodic FINANCE CHARGES by applying the applicable Daily Periodic Rate shown in the Table of Interest Charges to each feature's daily balance for each day of the current billing cycle. In addition, for Purchases, we apply the Daily Periodic Rate to the daily balance for each day of the previous billing cycle adjusted as described below. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the later of the transaction date or the beginning of the billing cycle in which they are posted to your Account (except that Convenience Checks are added as of the date accepted by the payee). Fees are added either on the date of a related transaction or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. We multiply the daily balance by the applicable Daily Periodic Rate, as stated in the Table of 'Interest Charges, tc oet your Periodic FINANCE CHARGES for that day. V !e :lien ad,these_, tyirindie 1TNANCE CHARGES to your daily balance to get the beginning balance for the next day. For Purchases, we do the same thing for each day of the previous cycle to get the daily balance of Purchases for the previous billing cycle. However, the daily balance for previous billing cycle Purchases is considered to be zero for each day of the previous billing cycle if a Periodic FINANCE CHARGE was already imposed on Purchases itemized on your previous statement or you paid your New Balance on your previous statement in full by the payment due date. To get your total Periodic FINANCE CHARGE for a billing cycle, we add all of tite daily Periodic FINANCE CHARGES for all features. If you multiply the Average Daily Balance for each feature by the applicable Daily Periodic Rate and the number of days in the applicable billing cycle(s) and add the results together, the total will equal the Periodic FINANCE CHARGES for the billing cycle, except for minor variations due to rounding. To determine an Average Daily Balance, we add your daily balances and divide by tine number of line days in the applicable billing cycle(s). If we have promotional rate offers in effec4 we will separately identify them on the front of your statement and separately disclose the balances to which the promotional rates or terms apply. These separate balances and the related Finance Charges will be calculated in the same manner as described above. Grace Period: Periodic FINANCE CHARGES are added to your balance from the later of the transaction date or the beginning of the billing cycle in which they are posted to your Account (except that they are charged on Convenience Checks from the day the check is accepted by the payee). They continue to be added until the day we receive payment in lull. However, we do not charge Periodic FINANCE CHARGES on new Purchases (other than Balance Transfers and Convenience Checks) if you pay your full New Balance by the Payment Due Date and your Previous Balance was zero or a credit balance. There is no grace period for Cash Advances, Convenience Checks, and Balance Transfers. If applicable, there is no grace period for w.. Overdraft Adr.Ytoes. We figure another portion of the Finance Charge on your Account by adding a one-time Cash Advance FINANCE CHARGE for each Cash Advance when it is obtained. The amount of the Cash Advance FINANCE CHARGE is stated in the Table of Interest Charges, 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 Cash Advance FINANCE CHARGE for the payment. Transaction Finance Charges for Balance Transfers and. Convenience Checks: We will charge you a Transaction FINANCE CHARGE in the amount 'staled in the Table of Interest Charges for Balance Transfers and Convenience Checks. If applicable, Overdraft Advances will not be assessed a Transaction FINANCE CHARGE. The total Finance Charge on your Account for a monthly billing cycle will he the sum of the Periodic FINANCE CHARGES plus any Cash Advance FINANCE CHARGES and any Transaction FINANCE CHARGES. This Agreement provides for daily compounding of Finance Charges (interest). The Periodic FINANCE CHARGES are subject to change as described in the sections entitled "Changes to this Agreement" and "Defauh Rate". Daily Periodic Rates and Annual Percentage Rates: YowAPRs and the corresoonding daily periodic rates ?,e listed tr.:,'te t?ble of irneiesi Charges. To 90 111116 dai!y periodic rate we divide the APR by 365, and in effect ahvays round up at the fifth plate to the right of the decimal point. Variable Rates: One or more APRs that apply to your account may vary with changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published i 1''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 "margin" is the percentage we add to the Prime Rate to calculatatite APR. A "business day" is any day that is not a weekend or federal holiday. The Table of Interest Charges section shows which rates, if any, are variable rates. it also lists tite margirt ter eae,variable rate and and minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prince Rate is- We then add the applicable margin to that Prime Rate to get the APR. To get the daily periodic rate we divide the APR by 365. To get the monthly periodic rate, we divide the APR by 12. It our calculation results in a change to a daily periodic rate, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. If The Wag Street Journal stops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. Otter Fees and Charges: In addition to the Finance Charges discussed above, the following fees will be applicable to your Account: Annual Membership Fee: If your Account has an Annual Membership Fee stated in the Table of Interest Charges it will be billed each year or in monthly installments, whether or not you use your Account, and you agree to pay it when billed. The Annual Membership Fee is non refundable unless you notify us that you wish to close your Account within 30 days of the date we mail your billing statement 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 Purchases or obtain Cash Advances. If your Account is closed by you or us, we will continue to charge the Annual Membership Fee until you pay your outstanding balance in full and terminate your Account relaffenship. Late Fee: If you do not pay at least the minimum payment due by the Payment Due Date for any billing cycle ("Late Payment"), we may charge a late fee. We will calculate the late fee based on the New Balance shown on your monthly statement as shown in the Table of Interest Charges. Return Payment Fee: If your bank does not honor the check or direct debit you remitted to us to pay amounts you owe tinder this Agreement, or we must return a check because it is not signed or is otherwise irregular, we may charge you a return payment fee in the amount stated in the Table of Interest Charges. Return Convenience Check Fee: If we (a) stop payment on a Convenience Check at your --..-req'=31 or (b) return a Convenience Check unpaid bocecsa it a:ecds you avai Qfa cradir at the time it is processed, your Account is closed or otherwise does not have charge privileges, or your Account is past due, we may charge you a return Convenience Check fee in the amount stated in the Table of interest Charges. Overlimit Fee: You are responsible for keeping track of your Account balance, including any fees and finance charges, and making sure that it remains below your credit line. if your Account balance is over your credit line at any time during a billing cycle, even if only for a day, we may charge an overlimit fee in the amount stated in the Table of Interest Charges. We may charge this fee even it your balance is over the credit fine because of a finance charge or fee we imposed or a transaction we authorized. We will not charge more than one ovedimit 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. For example, if you are ovedimit at the end of a billing cycle, you may incur an additional fee for being ovedimit at the beginning of the next billing cycle as well, This will be true even if you pay your Account by the date and time due as shown on your billing statement. Administrative Fees: If you request photocopies of sales slips or duplicate copies of monthly statements, or if you request any special services such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for such services, as Irom time to time in effect. The present charges for such services are specified in the Table of Interest Charges. However if you request items such as sales slips or duplicate statements in connection with any disputed billing matter (see "Your Billing Rights"), we will not impose a fee it a billing error is disclosed. Unless otherwise arranged between us, any fees listed above under "Other Fees and Charges" will be added to your Account and treated as Purchases. International Transactions: International transactions include any transaction that you make in a foreign clirrenrynr that You make nutside.cf?he..fr.,!fed>tsfas of-^mer!ca evrtn if it 1s .7"_de in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc. will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your card or account, We reserve the right to charge you an additional three percent (3%) of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the A. will be calculated on the U.S. dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. f age 1 ul =.4 CMA1O58i1 Table of Interest Chagas The Daily Periodic Rate we use to determine the Periodic FINANCE CHARGE for your Purchase balances (excluding Overdraft Advances, if applicable) until the first day of your billing cycle that includes February 1, 2006 (the "Introductory Period"), is a fixed rate of 01/6, corresponding to an APR of 0%. After the Introductory Period ends, the Daily Periodic Rates we use to determine the Periodic FINANCE CHARGE for your Purchase balances (excluding Overdraft Advances, if applicable) and your Cash Advance balance are variable rates, They are called "Standard Rates". These variable rates will be calculated as described in the section of this agreement entitled "Variable Rates". The APR for your Purchase balances (excluding Overdraft Advances, if applicable) will be the prime rate plus 3.24%. It will never be less than 7.49%. The corresponding Daily Periodic Rate for your Purchase Wlances will never be less than 0.02052%. The APR for your Cash Advance balance will be the prime rate plus 15.24%. It will never be less than 19.49%. The corresponding Daily Periodic Rate for your Cash Advance balance will never be less than 0.05340%. On April 22, 2005, the prime rate was 5.75%. Using that prime rate as an example, we estimate that the Daily Periodic Rate for your Purchase balances (excluding Overdraft Advances, it applicable) would equa10.02463% and the APR would equal 6.99%. And the Daily Periodic Rate for your Cash Advance balance would equal 0.05751% and the APR would equal 20.99%. If applicable the Daily Periodic Rate we use to determine your Periodic FINANCE CHARGE for Overdraft Advances is a fixed rate of 0.03833%, corresponding to an APR of 13.99%. See also "Default Rate" section. Cash Advance FINANCE CHARGE ATM Cash Advance 3% of Cash Advance (with a minimum of $10.00) All Other Cash Advances 3% of Cash Advance _ (with?-minimum Balance Transfer FINANCE CHARGE 3% of applicable transaction (with a minimum of $5.00 and a maximum of $65.00) Convenience Check FINANCE CHARGE 3% of applicable transaction (with a minimum of $5,00 and a maximum of $65.001 Minimum FINANCE CHARGE $1.00 (H any Finance Charge is payable for a monthly billing cycle) Annual Membership Fee None Late fees: $15.00 if the New Balance is up to, but not including $250.00 $35.00 9 the New Balance is $250.00 and over However, if you already have made one or more Late Payments in the prior 12 month period, we may charge a late fee of $35.00 regardless of the amount of your New Balance. Return Payment Fee $35.00 Return Convenience Check Fee $35.00 Ovedimit Fee $35.00 Administrative fees: Duplicate of Merchant Sale Slip $5.00 Outdicate of Monthly Billing Statement $5.00 a Default Rate: 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 at least the minimum payment due by the date and time due as shown on your billing statement for any billing cycle in which a payment is owed. • You exceed your credit line on this Account. • You fail to make a payment to another creditor when due. • You make a payment to us that is not honored by your bank. • To the extent allowed by law, if, at any time after your Account is closed, we demand immediate payment of your outstanding balance and we do not receive payment within the time we specify, If any of these events occurs, we may increase the APRs (including any introductory or promotional APR) on all balances up to a default rate of the Prime Rate plus 20.99%. The default rate will be calculated as described in the section entitled "Variable Rates". On April 22, 2005, the Prime Rate was 5,75%. Using that Prime Rate as an example, we estimate that the Daily Periodic Rate for a default rate of 1/365 of the Prime Rate plus 20.99% would equal 0.07326% and the corresponding APR would equal 26,74%: We may consider the following factors to determine your default rate: the length of time your Account has been open, the existence, seriousness and timing of the defaults on your Account: other indications of your Account usage and performance; information about your other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate will take effect as early as the first day of the billing cycle following the default. If we decide not to increase your APR even though there is a default or if we do not increase your APR up to the maximum default rate stated above, 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. Closing Your Account: You may close your Account at any time. If you call us to close your Account, we may require that you confirm your request in writing. We may close your Account at any time or suspend your credit privileges at any time for any reason without prior notice except as required by applicable law. If we close vcur A count, V,e will not be liable to-ybd'te'r my 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 and Convenience Checks or return them to us upon request. You will continue to be responsible for charges to your Account, even if they are made or processed after your Account is closed and you will be required to pay the outstanding balance on your Account according to the terms of this Agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your Account is closed. Liability For Unauthorized Use Of Your Account: If your Card or Convenience Checks are lost or stolen or if you are afraid someone may use your Account without your permission, you must notify us at once. You may be liable for that unauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notfy Cardmember Service, by writing to us at P0. Box 15201, Wilmington, DE 19850-5201, or verbally by calling us at 1-800-945- 2006, of the loss or theft of your Card or Convenience Checks or the possible unauthorized use of your Account. In any case, your maximum liability is $50.00. We may terminate or limit access to your Account it you have notified us or we have determined that your Card or Convenience Checks may have been lost or stolen, or that there may be unauthorized access to your Account. Inquiries Or Questions: You may address any inquiries or questions which you have about your Account to: Cardmember Service, P.O. Box 15201, Wilmington, OE 19850-5201, or you may rail us at 1.800-945.2006. If you telephone us instead of writing, you may lose certain rights the law gives you to dispute billing errors (see "Your Billing Rights"). ILLINOIS CARDMEMBERS: INFORMATION SHARING: Our Privacy Policy, which you have received, describes our information sharing practices and gives directions on how to opt out, or direct us to limit the sharing of personal information about you with companies or rganizcticna aus ! , oLs! farai;roi- unipanics. 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, 9 you choose not to exercise the 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 out companies) with companies or other organizations outside of our family of companies. ft f,' -?; ;; O4r05 . is r;fviA1 uEoi. EXhlbit GG ?? B Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3,000.00 01/19/07 $0.00 $60.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200006000003000000000000 29681 eEX Z 35906 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Irrrlllrnlllrrn?rlrrlrlilrlrrllurrl ullr ulrl nllnrlur?ll 1:5000 LGO 281: 20 3 1068 7 4 3 19 2 2it• Opening/Closing Date: 11/26106 - 12/25/06 CUSTOMER SERVICE Coldwater Creek Payment Due Date: 01/19/07 In U.S. 1-800-231-2568 Minimum Payment Due. $60.00 Espanol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4268 8470 8874 3192 1-302-594-8200 Previous Balance $0.00 Total Credit Line ACCOUNT INQUIRIES $3,000 p O Be. 15298 Purchases, Cash, Debits +$3,000.00 Available Credit . $0 Wilmington, DE 19850-5298 New Balance $3,000.00 Cash Access Line $600 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 564 Points Earned on Other Purchases 3,000 Points Redeemed This Period 2,000 Current Points Total 1,564 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040, online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/20 24418006355355250545607 MUMMAS JEWELRY STORE MECHANICSBURG PA $3,000.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V,03902% 14.24% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V,06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 06112125 Page 1 of5 06419 MAMA 29681 35810000030002968101 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------ City . ------------ -- State. Zip. ----- ---- Home Phone. --- --- ---- Work Phoney --- - ---- E-mail Address. ---------_-_ _1 Information About Your Account Lost or Stolen Cards: Please report vour lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are sways available to assist you. You can reach an Advisor by pressing 0 after you ender your account number Crediting of Payments: For payments by regular U.S. mail. send at least your minimum envelope window: the envelope cannot contain more than one payment 0r couponand there can be no staples. paper clips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 100 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1 00 p.m. local time at our post office box designated for payments on this statement wIN credit t to your account as of the next day. If you do not fallow our payment instructions or t your payment is mot send by regular US . mail to our post office box designated for payments, cradi ing of your payment may be delayed for up to 5 days. Paymente made elecircnsally through our automated telephone service. Customer Service advisors. or our web sne will be subject to any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late Daylents, missed payments or other defaults on your account may be reflected in your credit report . It you think we have reported inaccurate intonation to a credit bureau. you may woe to us at the Cardmember Service address listed on your billing statement Notice About Electronic Check Conversion'. When you provide a check as payment, you authoroe us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and !`non will not receive your check back from your financial institution Cat its customer service ber ion this statement if you have questions about electronic check collection or do not want your payments collected electronically. Coni ilional Payments: Any payment check or other form of payment that you send us for less than the full balance due that s marked "paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington. DE 1 98 50-5049. We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or it any such check is received at any other address. we may accept the check and you will still me any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing t or tlestroyimg it All other payments that you make should be sent to the appropriate payment address. Annual Renawal Notice: It your account has an annual tee. it will be billed each year or in monthly installments. whether or not you use your account. and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the sometime. 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 . II 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. Esplanalion of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately foreach feature mg .. balance transfer/convenemce checks and cash advance checks ("check tansaction"). purchases, balance transfers. cash advances, promotional balances or overdraft advancesj. Please consul your CardnemDer Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimmn finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended To get the daily balance for each day of the current billing cycle. ,Ne take the beginning balance for each feature add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits. aid make other adjustments Transactions are added as of the Innsadlon date, the beginning of the billing cycle in which they are posted to you. account, or a later date of our choice (expert that check trameactions are added as of the date deposited by the payee or a later date of our choice). Fees are added ether or the date of a related transaction, the data Ihey are posted to your account, or the Iasi day of the billing cycle . This gives us that day's daily balance. A credit balance is treate,i as a balance of zero. If a daily period. rate applies to any feature, we multiply the daily balance by the daily periodic rate to gel your periodic finance charges for that day. We then add these penodk finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily Periodic rate could apply based on the 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) N this statement shows a previous cycle avenge daily balance for purchases. we do the same thing for each daHy of the previous cycle to get the daily balance of purchases for the previous billing cycle. owever, the daily balance for previous billing cycle purchases is considered to be zero for each day of the previous billing cycle if a periodic finance charge was already billed on purchases tamped on your previous statement or we received payment of your film Balance on your previous statement in full by the date and time your payment was due. TD get your mtal Periodic finance charge for a billing cycle when a daily periodic role(s) applies. we add all m the daffy periodic finance charges for all features. To determine an verage daily halanca we add your daily balances ant divide by the number of the days in the applicable billing cycle(s). If you muftiDly the avenge daily balance for each feature by the applicable daffy periodic rate, and then munipy each of these results by the nunnber of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total ceri0 Ic finance charge for a billing cycle when a monthly periodic ravels) applies. multiply the average daily balance for each feature by the applicable monthly periodic rate and add the resuBS together. The total will equal the periods finance charges for the billing cycle, except for mirror variations due to rounding. Grose Period (al least 20 days): We accrue periodic finance charges on a transaction, fee. or finance charge from the date t is added to your daffy balance until payment in full is received on your account However we do not charge periodic finance charges on new purchases billed during a bilhrdl cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your rJew Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing' section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Dale. To avoid finance charges on new purchases when your New Balance includes any Remaining Balancem) in the Qualifying Promotional Financing section. payyourfull New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. I your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement . even if your Ni Balance consists only of Qualifying Promotional Financing balances. For 'deterred Interes' Qualifying Promotional Financing. periodic finance charges accrue during the promotional period but are not added to your account balance . Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date. the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, t you default under the terms at your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fined payment" Qualifying Promotional Financing that permits you tD pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However. you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Emers or Questions About Your Bill: If you think your bill is wrong, or t you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at PO Box 15299 Wilmington. DE 19850-5299 as soon as passible . 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 righr.s. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain. t you can, why you believe here is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account. you can slop the payment on any amount you think is wrong. To stop the payment. your letter or call (using the Cardmember Service address or telephone number shown on this statement) met reach us at least three business days before the automatic payment is scheduled to occur. Special RWe for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card )excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant , you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 1 DO miles of your mailing address. These limitations do not apply if we own or operate the merchant. or if we mailed you the advertisement for the property or services MA080306 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $1,537.67 02/19107 $0.00 $53.00 Make your check payable to Chase Card Services. Amount Enclosed New address or a-mail? Print on back. 426684106874319200005300001537670000002 18232 BEX Z 2507C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE 0 Tax time is here. Make your pa ment using your Chase credit card. For details visit www.chasepayyou rtaxeE,. com. CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 203 1068 ?L.3 19 2 211' Opening/Closing Date: Pament Due Date: Coldwater Creek 12/26/06 - 01/25/07 CUSTOMER SERVICE 02/19/07 in U 1-800-231-2568 S inimum Payment Due: M . . Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUN r SUMMARY Account Number : 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3 ,000.00 Total Credit Line $3,000 P .O. Be. 15298 Payment, Credits -$1,500.00 Available Credit $1,462 Wilmington, DE 19850-5298 Finance Charges 1$37.67 Cash Access Line $600 New Balance $1,537.67 Available for Cash $600 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditrards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 1,564 Points Earned on Other Purchases 0 Promotional Bonus 3,000 Points Redeemed This Period 4,000 Current Points Total 564 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/1610160164200000000034451 PAYMENT-THANK YOU $1,500.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Prev. Cycle Current Cycle Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $600.58 $2,532.90 $37.67 $0.00 $0.00 $37.67 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $37.67 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Why pay a higher rate with other cards, when you may be able to consolidate your balances and save on interest at the same time? Please call the Balance Transfer Hotline at 1-800-945-2014 to see if you qualify today! This Statement is a Facsimile - Not an original X 0000001 RS33334 C 3 000 N Z 25 07/01125 Page 1 of 5 06419 MAMA 18232 02510000030001823201 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City: - - - - - - - - - - - - - -- State. Zip. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- _1 E-mail Address: L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crouching of Payments: For payments by regular It_S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by ched or money order, payable in U.S. Dollars. and drawn on or payable through a U.S. financial Imintmion or the U.S branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window. the envelope cannct contain more than one payment or coupon. ant there an be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance w11 our payment instructions and is made available to us on any day except December 25 by 1:00 P.m. local time at our post office box desiglaaled for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions. but is made available to us all LW p mJxal time at our post office box designated for payments on this statement. we will credit r to your account as of the next day. If you do trot follow our payment Imtructons or it your payment S rot sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors. or our web site will be subject to any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inoccuate inormation to a credit bureau. you may write to us at the Cardmember Service address isted on your billing statement Notice Abom Electrons Check Conversion When you provide a check as payment, you authoroo us either to use information from your check to make a one-time electronic fund Ianster from your account or to process the payment as a check traneactlon. When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial irMitmion. Call the customer service number on this statement if you have questions about electronic check collection or do trot want your payments collected electronically. Conoittorel Payments: Any payi.lent check or other form of payment that you send us for less than the full balance due that is marked "paid in full` or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Rox 15049, Wilmington. DE 1 99 50-5 049. We reserve all our rights regarding these payments (eg., it it is determined there is no valid dispute or ff any such check is received at any other address. -we may accept the check and you will still owe any remaining balance) We may refuse to accept any such payment by returning it to you. not cashing r or destroying it All other payments that you make should be sent to the appropriate payment address Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in fnnnthly installments, whether or not you use your account. and you agree to pay it when billed. The annual tee is non-refundable unless you fumy us that you wish to close your account within 30 days of the date we most your statement on which the annual fee is charged and at the sametime. you pay your outstanding balance in full. Your payment of the annual tea does not affect our rights to close your account and to limit your right to make transactions on your account . It your account is closed by you or re. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Espleasier of finance Charges: We calculate periodic finance charges. using the applicable pefocus rates shown on this statement. separately for each feature (e.g.. balance transfer/convemence checks and cash advance checks ("check fismaction"), purchases. balance transfers, cash advances. promotional balances or overdraft advances). Please cofsult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum financce charge in any billing cycle in which you owe arty periodic finance charges. and a transation finance charge for each balance transfer, cash advance, or check transaction. In the amounts slated in your Cardmember Agreement, as amended. To get the daily balance for each day of the curren1,1 illing cycle, we take the beginning balance for each feature. add any new tansactbns oother debits (including fees. unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date. the beginning of the billing cycle in which they are posted to your account. or a later date of .cc uhoice (except that check transactions are added as of the date deposited by the payee or a later date of our choice;. Fees are added either on the date of a related transaction. the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero ff a daily periodic ate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily paiame to get the beginning balance for the next day. (If more than one daily periodic ate could apply based on the average daily balance. we will use the daily periodic ate that applies for the average daily balance amount at the end of the billirg cycle to calculate the dairy periodic finance charge each day.i If this statement shows a previous cycle average daily balance for purchases, we do the same thing for each day II the previous cycle to get the daily balance of purchases for the previous billing cycle . However, the dairy balance for previous billing cycle purchases is considered to be zero for each day of the previous billing cycle it a periodo finance charge was already, billed on purchases ramped on your previous statement or we received paymem of your New Balance on your previous statement in full by the date and time your payment was due. To net your total periodic finance charge for a billing cycle when a daffy periodic rate(s) applies. a add all of the daffy Deriotlic finance charges for all features. To determine an average daffy balance, we add your daily balances and divide by the number of the days in the applioable billing cyclets) . If you multiply the average dally balance 'reach feature by the applicable daily periodic rate, and then multiply each of these resuffs by the number of days in the applicable Fdkng cycle(s), and then add all of the results together the total will also equal the Periodic Ilnance charges for the billing cycle, except for minor variations due I. rounding. To get your total periodic finance charge fora billifg cycle when a monthly periodic rams' applies. multiply the average dairy balance for each feature by he a vPliwble monthly periodic rate and add the results together The total will equal the petriodic liname charges for the billing cycle, except for mirror variations due to rounding. Grace Period lal least 20 days;: We accrue parodic finance charges on a transaction, lee, or finance charge from the date n is added to your daffy balance until payment in nfull is ecelwit on your account However we do not charge periodic finance charges o new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Raland a on your previous statement by the date ant time your payment was due. There a no grace period for balance transfers, cash advances. check transactions, or overdraft advances. In addition. if there is a "Qualifying Promotional Financing" section on this statement. you will not incur periodic finance charges on any Remaining Balance that appears In that section d you pay that balance in full by the applicable Expiration Date To avoid finance charges on new purchases when your New Balance includes any Remaining Balance!si in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. d your statement shows that a minimum payment a due, we must receive at least that minimum payment by the date and time specified on your statement. even it your New Balance consists only of Qualifying promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead. they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Dale. Further, c you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. For "feed payment" Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments. you will not have a grace period for that balance as each Payment includes a portion of the interest owed over the repayment term for that purchase. However you will have a grace period on other new purchases as described above BILLING RIGHTS SUMMARY In Case of Enforcer Questions About Your Bill: If you think your bill is wrong, or it you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 19850-5299 as soon as possible . We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain. it you can, why you believe there is an error. If you need more information. describe the item you are unsure a" You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized In to Day your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services Ihat you purchased with a credit card )excluding purchases made with a check). and you have tried in good faith to correct the Problem with the merchant you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply r we own or operate the merchant. or if we mailed you the advertisement for the property or services. MA080306 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $1,417.59 03/22/07 $0.00 $72.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. ni iaTfls -ale 426684106874319200007200001417595352648 07331 BEX Z 05607 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 LrrllLrdllrrrJ,Ir,LI?LLJLrrJrrllrrrl,l„Ilrrdrrrlll 1: 5000 160 281: 20 3 10 68 ?L, 3 19 2 2116 Opening/Closing Date: 01/26/07 - 02125/07 CUSTOMER SERVICE Coldwater C reek Payment Due Date: 03/22/07 In U.S. 1-800-231-2568 Minimum Payment Due: $72.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8410 6874 3192 Previous Balance $1,537.67 Total Credit Line ACCOUNT INQUIRIES $4,000 P .O. Box 15298 Payment, Credits -$250.00 Available Credit $2,582 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$110.73 Cash Access Line $800 Finance Charges +$19.19 Available for Cash $800 PAYMENT ADDRESS New Balance $1,417.59 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. Congratulations! Your credit line has been increased. Take advantage of your enhanced spending power to make purchases and transfer balances today. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 564 Points Earned on Coldwater Creek Purchases 359 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 923 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIOMS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/25 24692167027000709876972 COLDWATER CREEK 80217 HARRISBURG PA $7113 02/20 LATE FEE 39.00 02/21 10520524200000000139466 PAYMENT -THANK YOU 250.00 FINANCE CHARGES I..rlll?lrrlrrlrlrrlrrll...1.lrrr111rlrl,rrll,rlrl...lirr111r1 CHASE O I want to purchase optional Payment Protector Plan'. I have read the enclosed offer and may cancel any time. CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Daily Periodic Rate Corresp. Category 31 days in cycle APR Purchases V .03902% 14.24% Cash advances V .06642% 24.24% Finance Charge Average Daily Balance Due To Periodic Rate $1,586.06 $19.19 $0.00 $0.00 Transaction Accumulated FINANCE Fee Fin Charge CHARGES $0.00 $0.00 $19.19 $0.00 $0.00 $0.00 Total finance charges $19.19 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07102125 Page 1 of1 06419 MAMA 07331 056100000300DO733101 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- City: ------------------ -- State. Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -------------------------- Inlormalion Aboul Your Amon I Lost m Stolen Cards: Please report your last or stolen card immediately by calling the Customer Service number found on the from of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crediting of Payments: For paymerds by regular U.B. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U S. Dollars and drawn an or payable through a U.S. financial Inmituluon or the 0.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order Payments must be accompanied = by the torrent coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon. andthere an he nro staples: paper clips, tape or correspondence included with your payment. If your payment is in aleardarce with our payment instructions and s made avula hle to us on any day except December 25 by 100 p_in local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If Your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit t to your account as of the next day. If you do not follow our paymem instructions or if your payment is rot sent by regular U.S. mail to our post office box designated for payments. crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors. or our vied site will be subject to any processing times disdained for those payments Account Information Reported to Credit Bureaus: We may report information about your ,occur, to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in Your credit report . If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion. When you provide a check as payment, you author¢e us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an elecliama fund transfer funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected ele-tropically. Condilional Payments: Any payment check or other form of payment that you send us for less than the full balance due that s marked "paid in full" or contains a similar rotation. or that you otherwise tender in full satisfaction of a disputed around. must be sent to Card Services, P 0 Box 15049, Wilmington. DE 19850-5049. We reserve all our rights regarding these payments (e. g., it it is determined there is no valid dispute or if any such check, s eived at any other address, we may accept the check and you will still owe any remainng balance). We may refuse to accept any such payment by returning it to you. rot cashing h or destroying it. All other payments that you nuke should be sent to the appropriate Payment address Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in mo thl9 iustallmems. whether or not you use your account. and you agree to pay it when billed The annual fa is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the sametime, 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 s closed by you or w, we will continue to charge the annual lee until you pay your outstanding balance in full and terminate your account relationship. ElucaealiUn of Finance Charges: We calculate periodic finance charges. using the applicable periodic rates shown on this statement, separately for each feature (a g.. balance transledconvenience checks and cash advance checks check transaction"), purchases. balance transfers. cash advances. promotional balances or overdraft advances). Please consul your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there s a "v" next to a periodic rate on thin statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance. or check transaction. in the amounts stated in your Qualmember Agreement. as amended. To gel the daily balance for each day at the current billing cycle. we take the beginning balance for each feature. add any new transactions or other debits (including fees. unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction dale. the beginning of the billing cycle in which they are Domed to your account. or a later date of our choice (except thmt check transactions are added as of the date deposited by the payee or a later date of our choce). fees are added either on the date of a related transaction, the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a bala me of zero. It a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add than periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than are daily Periodic rate could apply based on the 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) ft this statement shovrs a previous cycle average daily balance for purchases, we de the same thing for each day of the previous cycle to get the daily balance of purchases for the previous killing cycle. However the daffy balance for previous billing cycle Purchases is considered to be zero for each day of the previous billing cycle if a periodic finance charge was already billed on purchases rhmved on your previous statement or we received payment of your New Balance on your previous statement in full by the date and time your payment was due. To get your total iremacdc finance charge for a bulling cycle when a daily periodic rate (a) applies. we add all of the deny periodic finance charges for all features. To determine an average daly balance, we add your daily balances and dvide by the number of the days in the apDlicahle billing c;-clefs). If you ultiplyUte average daily balance for each feature by the applicable daily perodic rate ndm then multipy each of these results by the number of days in the applcable billing cycle(s), and then add It of the results together. the total will also equal the periodic finance charges far the billing cycle. except for minor vaFiat.. due to rounding. To get your total Periodic finale charge for a billor, cycle when a monthly period a rate{s) applies. multiply thees average daily balance for each feature the applicable monthy periodic rate and add flu rits together. The total will equal the pebyriods finance charges for the billing cycle. except for miner variations due to rounding. Grace period (al least 20 days): We accrue periodic finance charges on a transaction. fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account However, vie do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on vain current statement by the date and time your payment s dare and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. In addition, if there is a "Qualitying Promotional Financing" section on this statement. you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Gino Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. I your statement shows that a minimum payment is due. we must recerve at least that minimum payment by the date and time specified on your statement. even if your New Balance consists arty of Qualifying Promotional Financing balances. For "deferred interest" Qualifying Promotional Financing, periodic finance charges a"one during the promotional period but are not added to your account balance. Instead. they accumulate tram billing cycle to billing cycle. If a deterred interest Qualifying Pronotonal Financing balance is not paid in full by the applicable Expiration Date. the deferred finance charges will be added to yaw account as soon as the first day after the Expkation Date Further, it you default under the terms of your Cardrember Agreement. the deterred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to payfor a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However. you will have a grace period on other new purchases as described above BILLING RIGHTS SUMMARY In Case of Emars or Question About Your Bill: If you think your bill is wrong, or 9 you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wimongton. DE 19850-5299 as soon as possible . We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You vin telephone us. but doing so will not preserve your rights. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain. it you can, why you believe there is an error. It you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investgating, but you are still obligated to pay the parts of your bid that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) most reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchasers: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant. you may not have to pay the retraining amount due on the goods or services. You have this protection only when the purchase price was more than 350 and the purchase was made in your home state or within 100 miles of your mailing address. These looitations do not apply it we own or operate the merchant . or if we mailed you the advertisement for the property or services. MA080306 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $1,141.73 04/19107 $0.00 $24.00 ? Make your check payable to Chase Card Services. Amount Enclosed F== New address or e-mail? Print on back. CHASE 0 I want to purchase optional Payment Protector Flan." I have read the enclosed offer and may cancel any time. m i-I-f ,al - ---TaTe 426684106874319200002400001141735366628 13826 BEX Z 08407 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 Irrrlllrlfrlrrlrlfflf,Ilrrrlrlr,r,llrlrlrfrllrrlrlrrrllrrllrrl IrfrlllrfflllrrrrLlrfLIJ,Ifrllrrrrl,Jlrr,IdrJlr,drrrlll CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 20310687'L.31922111 Opening/Closing Date: 02/26/07 - 03/25/07 CUSTOMER SERVICE Coldwater Creek Payment Due Date: 04/19/07 In U S. 1-800-231-2568 Minimum Payment Due: $24.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $1,417.59 Total Credit Line $4,000 P.O. Box 15298 Payment, Credits -$289.00 Available Credit $2,858 Wilmington, DE 19850-5298 Finance Charges +$13.14 Cash Access Line $800 New Balance $1,141.73 Available for Cash $800 PAYMENT ADDRESS P.O.Box15153 Wilmington, DE 19886-5153 VISIT US AT: www,chase.com/creditrards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 923 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 923 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/01 74266850603292000137063 Late Fee Reversal DE $39.00 03!05 10640644200000000014264 PAYMENT - THANK YOU 250.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Tr ansaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $1,201.85 $13.14 $0.00 $0.00 $13.14 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $13.14 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including new purchases Method (purchases daily balance times purchases daily rate each day only in the current cycle). This Statement is a Facsimile - Not an original X 0000001 FI533334 C 3 000 N Z 25 07/03/25 Page 1 of3 D6419 MAMA 13826 OB410000030001382601 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City: ------------------ State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address- ---------------------- 7 L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 afteryou enter your account number Crediling of Payments: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail most comply with the instructions on this statement, and must be made by check or money order, payable in U.S Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do act send cash. Write your account number on your check or money order. Payments most be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon. and there can be no staples. paper clips. tape or correspondence included with your payment. If your payment is in accardence with our payment instructions and is made available to us on any day except December 25 by 1 00 D m. local time at our post office box designated for payments an this statement we will credit the payment to your account as of that day. If your payment is is ac-dance, with our payment instructions. but is made available to us after 1 X00 pm. local time at our post office box designated for payments on ih6 statement, we well -edit 1 to your account as of the next day. If you do not lohow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors. or our web site will be subject to any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have repo ded inaccurate Imcurn ian to a credit bureau, you may •.vnte to as at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion When you provide a check as payment. you atdhome as either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Card,, rent Payments: Any payment check or omer form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar rotation. or that you otherwise tender in full satisfaction of a disputed amount, must be seal to Card Services, P 0 Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (eg., A it is determined there is no valid dispute or if any such check is received at any other address. we may accept the check and you will still owe any remaining balance( We may refuse to %.;t ut any such payment by returning it to you. not cashing ft or destroying it. All other Daymends that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the cametime. you pay your outstanding balance in full. Your payment of the annual as 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 as. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship Explains lion of finance Charges: We calculate periodic finance charges. using the applicable Peron is rates shown on this statement. separately for each feature (e.g.. balance tranefebconvenience checks and cash advance checks (`check tramaction"), purchases, balance transfers, cash advances. promotional balances or overdraft advances). Please consult your Cardeeember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" nee to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer cash advance, or check transaction, In the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature. atltl any new transactions or other debits (including fees. unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of thtransaction date, the beginning of the billing cycle in which they are posted to your amount . or a later date of our choice eexcept that check transactions are added as of the date deposited by the payee ore later date of our choice). Fees are added either on the date or a related transaction, the date they are posted to your account. or the last day of the billing cycle . This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for That day. We then add Ruse periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance. we will use the daily periodic ate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) If this statement shows a previous cycle average daily balance for purchases. we do the same thing for each day of the Previous cycle to get the daily balance of purchases for the previous billing cycle . However the dairy balance for previous billing cycle purchases is considered to be zero for each day of the previous billing cycle if a periodic finance charge was already billed on purchases Nine ad on your previous statement or we received payment of your New Balance on your previous statement in full by the date and time your payment was due. To get your total periodic finance charge for a bdling cycle when a daily periodic rate(s) applies. a add all o the dailyperiodic finance charges for all features. To determine an average daily balance! . we add your daily balances and divide by the number of the days in the applicable bdling cycle(s). If you molludy the average daily bateau for each feature by the aDDlioable daily periodic rate, and then multiply each of these results by the number or days en the applicable billing cycle(s). and Ihen add all of the results together. the total •.vitI also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To gel your total periodic finance charge for a billing cycle wfun s monthly periodic rate(s) applies. mubiply the average daffy balance for each feature by the applicable noclmy periodic rate and atltl the results together The total will equal the periodic fitounce charges for the belling cycle. except for minor variations due to rounding- GrL Pen 'it (1111,11 IC days): We accrue periodic finance charges on a transaction, fee, m finance charge from the date , is added to your daffy balance until payment in toll is received on your account. However. we do not charge periodic finance charges on new purchases billed during a billing cycle of we receive both payment of your New Balance on your current statement by the date and time your payment is due and also Payment of your New Balance on your previous statement by the date and time your payment was due There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addition. if there is a 'Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. Day your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due However. p your statement shows that a minimum payment te am. we must receive at least that mommu in payment by the date and time specked on your statement. even if your New Balance consists only of Qualifying Promotional rustling balances. For 'deferred interest" Qualifying Promotional Financing. periodic finance charges accrue during the promotional period but are not added to your account balance. Instead. they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in lull by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further. B you defauft under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default For'fixed payment " Qualifying Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace permit for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Queslions About Your Bill: It you think your bill is wrong. or it you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at Po. Box 15299 Wilmington. DE 19850-5299 as soon as possible . We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us. but doing so will not preserve your rights. In your letter, give us the following information . • Your name and account number • The dollar amount of the suspected error • Describe the error and explain. it you can. why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question, If you have authorized us to pay your credit card bill automatically from your savings or checking account you can stop the payment on any amount you think is wrong. To stop the payment. your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach as at least three business days before the automatic payment is scheduled to occur. Special Rule lot Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correcilhe problem with the merchant you may not have to pay the remaining amount due an the goods or services. You have this protection only when the pq1 ase price was more than $50 and the purchase Was made in your home state or within miles of your mailing address. These limitations do not apply d we own or operate the merchant. or if we mailed you the advertisement for the property or services. MA080306 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $872.32 05120/07 $0.00 $20.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200002000000872320000005 13977 BEx Z 11507 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE 0 Tax time is here. Make your federal tax payment with your Chase credit card at www.chasepayyourtaxes.com Irrrlllrlrrlrrlrlr?lrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 203 L068 743 L9 2 2110 Opening/Closing Date: 03/26107 - 04125/07 CUSTOMER SERVICE Coldwater Creek Payment Due Date: 05120/07 In U.S. 1-800-231-2568 Minimum Payment Due: $20.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8418 6874 3192 ACCOUNT INQUIRIES Previous Balance $1,141.73 Total Credit Line $4,000 P .O. Box 15298 Payment, Credits -$300.00 Available Credit $3,127 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$19.31 Cash Access Line $800 Finance Charges +$11.28 Available for Cash $800 PAYMENT ADDRESS New Balance $872.32 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 923 Points Earned on Other Purchases 20 Points Redeemed This Period 0 Current Points Total 943 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/03 10930934200000000147282 PAYMENT - THANK YOU $300.00 04/14 24792627105691878477431 RITE AID STORE 1074 LEMOYNE PA 19.31 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $932.39 $11.28 $0.00 $0.00 $11.28 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $11.28 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Pay your taxes the fast and easy way Just use your Chase card to pay for federal taxes at www.chasepayyourtaxes.com This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07/04/25 Page 1 of 3 06419 MAMA 13977 11510000030001397701 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- City: ------------------ State: -- Zip ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -------------------------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon, and titere can be no staples. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated forpayments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 pm. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution- Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked `paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, Pit. Box 15049, Wilmington, DE 1!850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mat your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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 Wilk continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calcglate periodic finance charges, using the applicable periodic rates shown on this statement. separately for each feature (e.g.. balance transfer/convenience checks and cash advance checks ('check transaction'). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction. the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to getthe beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance mul 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 both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due, There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. In addition, if there is a "qualifying Promotional Financing" section an this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. if your statement shows that a minimum payment is due, we in ust receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." It a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to youraccount as soon as the first day after the Expiration Date. Bother, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear train you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone its, but doing so will not preserve your rignts. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your hill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay tie remaining amount due on the goods or services. You have this protecl:ion only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 ' Statement for account number: 4266 8410 6974 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3,425.14 06/19/07 $20.00 $124.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200012400003425140000003 19884 BEX Z 14507 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 1:5000 460 281: 203 4068 743 19 2 211' CHASE'0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Opening/Closing Date: 04126/07 - 05/25/07 CUSTOMER SERVICE Coldwater Creek Payment Due Date: 06/19/07 In U.S. 1-800-231-2568 Minimum Payment Due. $124.00 Espariol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $872,32 Total Credit Line $4,000 P .O. Box 15298 Purchases, Cash, Debits +$2,461.94 Available Credit $574 Wilmington, DE 19850-5298 Finance Charges +$90.88 Cash Access Line $800 New Balance $3,425.14 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.rom/creditcards The promo rate expiration reflected on this statement is a result of a late payment made during the promotional rate period on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 943 Points Earned on Other Purchases 423 Points Redeemed This Period 0 Current Points Total 1,366 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 600-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05/08 24792627129691013450790 RITE AID STORE 1074 LEMOYNE PA 48.48 05/21 LATE FEE 39.00 05/22 24029467143508744010180 HARTMAN MOTORCARS CO HARRISBURG PA 358.31 05/23 24013397143011268705738 THE PENNSYLVANIA BAKERY CAMP HILL PA 16.15 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $962.38 $11.27 $0.00 $0.00 $11.27 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .03902% 14.24% $1,674.49 $19.61 $60.00 $0.00 $79.61 Total finance charges $90.88 Effective Annual Percentage Rate (APR): 23.51% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07/05125 Page 1 of1 06419 MAMA 19884 14510000030001988401 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: __________________________ City : ------------ State -- Zip: ----- ---- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address. ------_----_ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail most comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If yo ur payment is in accordance with our payment instructions, but is made available to us after 100 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days, Payments made electronically through our automated telephone service, Customer Service advisors. or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual tee does not affect our rights to 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (a g., balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances), These calculations may combine different categories with the same daily periodic rates. If there is a °V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice.). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance, vie add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvariations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance an your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest.' If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to youraccount as soon as the first day after the Expiration Date. Further. if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared, You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than 850 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services MA021207 Statement for account number 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3.151.36 07/20/07 $0.00 $71.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on back. 426684106874319200007100003151360000002 16990 BEX Z 17607 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE 0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 LG028I: 203 L068743 L9 2211• Opening/Closing Date: 05/26/07 - 06125/07 CUSTOMER SERVICE Coldwater Creek Payment Due Date 07/20107 In U.S 1-800-231-2568 `- i Minimum Payment Due: $71.00 Espanol 1-888-446-3308 TOD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 1-302-594-8200 Previous Balance $3,425.14 Total Credit Line Payment, Credits -$350.00 Available Credit Purchases, Cash, Debits +$36.07 Cash Access Line Finance Charges +$40.15 Available for Cash New Balance $3,151.36 COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 1,366 Points Earned on Other Purchases 37 Points Redeemed This Period 0 Current Points Total 1,403 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS ACCOUNT INQUIRIES $4,000 P.O. Box 15298 $848 Wilmington, DE 19850-5298 $800 $800 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.rom/creditcards Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05/24 24316057145548813015727 SHELL OIL 57542538509 CAMP HILL PA $21.74 05/27 24610437147072013338982 GIANT FOOD STORES #120 MECHANIC_S_B_U_R_G PA 14.33 06/15 11661664200000000060952 PAYMENT - THANK YOU - - 350.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $1,294.54 $15.66 $0.00 $0.00 $15.66 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03902% 14.24% $2,024.50 $24.49 $0.00 $0.00 $24.49 Total finance charges $40.15 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07106/25 Page 1 of3 06419 MAMA 16990 17610000030001699001 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------ City ------------ State -- Zip ----- ---- Home Phone: --- --- ---- Work Phoney --- --- ---- E-mail Address. ------------ 7 Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1 00 Is m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up tc 5 days. Payments made electronically through our automated telephone service. Customer Service advisors.. or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn train your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked `paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments thatyou make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e g.. balance transfedconvemence checks and cash advance checks ('check transaction ). purchases. balance transfers, cash advances, promotional balari or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary , and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted 10 your account, or the last day of the bilbng cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero, If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one daily periodic rate could apply based on the 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,) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges forall features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However. we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest.' If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to youraccount as soon as the first day after the Expiration Dale. Further, if you default under the terms of your Cardin ember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights, In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe more is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question.. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 ' Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $3,227.53 08/19/07 $71.00 $179.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200017900003227530000000 14389 BEX Z 20607 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 118111111.II.IIIIIIII111r611111. I I I I I I I I I I. I I I I I I I I I I I I I I I I I.I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 28e: 203 1068743 19 2 211• Opening/Closing Date 06!26/07 - 07/25/07 CUSTOMER SERVICE Payment Due Date: Coldwater Creek 08/19/07 In U.S. 1-800-231-2568 Minimum Payment Due: $179.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 ACCOUNT INQUIRIES VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 P.O. Box 15298 Previous Balance $3,151.36 Total Credit Line $4,000 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Available Credit $772 PAYMENT ADDRESS Finance Charges +$37.17 Cash Access Line $800 P.O. Box 15153 New Balance $3,227.53 Available for Cash $0 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 1,403 Points Earned on Other Purchases 0 Promotional Bonus 822 Points Redeemed This Period 2,000 Current Points Total 225 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Dale Reference Number Merchant Name or Transaction Description Amount Credit Debit 07122 LATE FEE $39.00 FINANCE CHARGES Finance Charge Dail i Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.03902% 14.24% $1,138.47 $13.33 $0.00 $0.00 $13.33 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03902% 14.24% $2,035.99 $23.84 $0.00 $0.00 $23.84 Total finance charges $37.17 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FI533334 C 3 000 N Z 25 07/07125 Page 1 of 3 06419 MA MA 14389 20610000030001438901 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------- City ---------------- -- State. Zip. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ---------------- _1 L Information About four Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon. and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payri instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus, Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use informabon from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked `paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you nolify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately for each feature (e.g.. balance transfer/convenience checks and cash advance checks ("check transaction"), purchases. balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a 'V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, vie take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which theyare posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are addad either on the date of a related transaction, the date they are posted to your account, or the last day of the bilbng cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges forall features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualitying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as 'deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further. if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: It you think your bill is wrong. or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19650-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone Lis, but doing so will not preserve your rights. In your letter, give Lis the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While vie investigate your question. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 ' Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3,105.51 09/19/07 $0.00 $109.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200010900003105510000004 32135 6EX Z 23707 C ARLENE R HESS PO BOX 1547 MECHANiCSBURG PA 17055-9047 1: 5000 160 2131: 20 3 10 68 7 4 3 19 2 211' CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Opening/Closing Date: 07/26/07 - 08/25107 CUSTOMER SERVICE Coldwater C reek Payment Due Date: 09119/07 In U.S 1-800-231-2568 Minimum Payment Due: $109.00 Espa 6ol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3,227.53 Total Credit Line $4,000 P .O. Box 15298 Payment, Credits -$200.00 Available Credit $894 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $800 Finance Charges +$38.98 Available for Cash $800 PAYMENT ADDRESS New Balance $3,105.51 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 225 Points Earned on Other Purchases 0 Points Redeemed This Perod 0 Current Points Total 225 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08120 LATE FEE $39.00 06/21 12332334200000000073671 PAYMENT - THANK YOU 200.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .03902% 14.24% $1,169.20 $14.15 $0.00 $0.00 $14.15 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .03902% 14.24% $2,052.56 $24.83 $0.00 $0.00 $24.83 Total finance charges $38.98 Effective Annual Percentage Rate (APR): 14.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07/08125 Page 1 of 3 06419 MAMA 32135 23610000030003213501 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City -- Stale: -- zip: -- Home Phone: -- Work Phone: -- E-mail Address: -- Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this slateinent, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account tv,mber on your check or money order Payments must be accompan,ed by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1'.00 p.m. local time at our post office box designated forpayments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington. DE 19650-5049. We reserve all our rights regarding these payments (a g,, if it is determined there is no valid dispute or it any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should oe sent to the appropriate payment address, Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full, Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions an 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.. balance transfer/convenience checks and cash advance checks ('check transaction'). purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a °V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. vie take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account. or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the _1 date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, vie add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However vie do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers. cash advances. check transactions. or overdraft advances. In additioa, it there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that. balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minim um payment is due, we m ust receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further. if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the dale of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the emorand explain, if you can, whyyou believe there is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check).. and you have tried in good faith to correct the problem with the merchant. you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $2,904.47 10/20/07 $0.00 $78.00 Make your check payable to Chase Card Services. Amount Enclosed New address or a-mail? Pont on back. 426684106874319200007800002904470000008 09458 BEX Z 26807 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlr,rllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 [:5000 1,60 28i: 203 1,068743 1,9 2 211' VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3,105.51 Total Credit Line $4,000 P .O. Box 15298 Payment, Credits -$250.00 Available Credit $1,095 Wilmington, DE 19850-5298 Finance Charges +$48.96 Cash Access Line $800 New Balance $2,904.47 Available for Cash $800 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Coldwater Creek Opening/Closing Date 08/26/07 - 09/25/07 CUSTOMER SERVICE Payment Due Date: 10/20/07 In U.S. 1-500-231-2568 Minimum Payment Due: $78.00 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 225 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 225 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets, call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.oom. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/31 12432434200000000043937 PAYMENT - THANK YOU $250.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.05408% 19.74% $899.35 $15.08 $0.00 $0.00 $15.08 Cash advances V.06504% 23.74% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05408% 19.74% $2,020.37 $33.88 $0.00 $0.00 $33.88 Total finance charges $48.96 Effective Annual Percentage Rate (APR): 19.74% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and oalance transfer fees - expressed as a percentage. IMPORTANT NEWS Your 2007-2008 Privacy Notification is enclosed for your record. This Statement is a Facsimile - Not an original X 0000001 F1S33334 C 3 000 N Z 25 07109125 Page 1 of 1 D6419 MAMA 09458 26810000030000945801 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City ------------------ -- State. Zip- ----- ---- Home Phone. --- --- ---- Work Phone. --- --- ---- E-mail Address: ----------------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular US. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there cart be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.re local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau. You may write to us at the Cardmember Service address listed on your bi'.ling statement. Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington. DE 19650-5049, We reserve all our rights regarding these payments (a g., if it is determined there is no valid dispute or if any such cheek is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it, All other payments that you indke should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mai, your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.. balance transfer/convenience checks and cash advance checks ('check transaction"). purchases. balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a 'V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. vie take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account. or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are pasted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one dailyperiodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, vie add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account, However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights, In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While vie investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services, You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. Those limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 • Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3,037.63 11/19/07 $0.00 $79.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on back. 426684106874319200007900003037630000001 14583 BEX Z 29807 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE O Irrrlllrlrrlrrlrlrrlrrllrrrlrlrirrll.1.Irrrllrrlrlr ILAL.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 4 5000 160 28e: 203 1068 743 19 2 211' Opening/Closing Date: 09/26/07 - 10/25/07 CUSTOMER SERVICE Coldwater Creek MPament inimum DPayment ue Date: Due: 11/1907 In U.S. 1-800-231-2568 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $2,904.47 Total Credit Line $4,000 P.O. Box 15298 Payment, Credits -$200.00 Available Credit $962 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$283.91 Cash Access Line $800 Finance Charges +$49.25 Available for Cash $800 PAYMENT ADDRESS New Balance $3,037.63 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 225 Points Earned on Coldwater Creek Purchases 1,420 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 1,645 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10/09 24692167283000544325663 CLDWTR CK 128_0-_28217 HARRISBURG PA $ 86.97 10/09 24692167283000544325671 CLDWTR CK 1280-28217 HARRISBURG PA _ _ 113.96 10/09 24692167283000544325697 CLDWTR CK 1280-28217 HARRISBURG PA 82.98 10/18 12912914200000000065088 -- PAYMENT - THANK YOU -------. _ 200.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .05408% 19.74% $994.65 $16.14 $0.00 $0.00 $16.14 Cash advances V .06504% 23.74% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05408% 19.74% $2,040.86 $33.11 $0.00 $0.00 $33.11 Total finance charges $49.25 Effective Annual Percentage Rate (APR): 19.74% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07110/25 Page 1 of 3 06419 MAMA 14583 29810000030001458301 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City . - - - - - - - - - - - - - - - - - - -- State. Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ---------------------- _1 Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by a- pressing 0 after you enter your account number. I - Crediting of Payments: For payments by regular U.S. mail, send at least i your minimum payment due to our post office box designated for payments s shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, s payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments wasessear must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1 00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to you, account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p m. local time at our post office box designated for payments on this statement we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize its either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.. balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a V' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice)- Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges forall features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic mfr and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account, However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minim um payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deterred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or probtram appeared. You can telephone us. but doing so will not preserve your rights, In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit Gard bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment: is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $3,127.45 12/20/07 $79.00 $200.00 • Make your check payable to Chase Card Services. Amount Enclosed New address or e-mail? Print on back. 426684106874319200020000003127450000005 13917 BExZ 32907C Irrrll lrlrrlr rltlrllr rl lrrrlrlr rr rllrlrlr rrllr rl rl rrr llrrllrr ARLENE R HESS PO BOX 1547 CARDMEMBER SERVICE MECHANICSBURG PA 17055-9047 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 203 LO68 743 i9 2 211' Opening/Closing Date: 10/26/07 - 11/25/07 CUSTOMER SERVICE Coldwater Creek 12/2007 In U'S 1-800-231-2568 Minimum Payment Due Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3,037.63 Total Credit Line $4,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $872 Wilmington, DE 19850-5298 Finance Charges +$50.82 Cash Access Line $800 New Balance $3,127.45 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 1,645 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 1,645 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. Plus, we've improved the way you receive the $20 Coldwater Creek gift coupon you automatically earn when you've reached 2000 points: It will now be sent to you separately instead of with your monthly statement. No waiting for your statement - you can treat yourself to something special as soon as it arrives! TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/20 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .05340% 19.49% $1,020.16 $16.89 $0.00 $0.00 $16.89 Cash advances V .06436% 23.49% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05340% 19.49% $2,049.48 $33.93 $0.00 $0.00 $33.93 Total finance charges $50.82 Effective Annual Percentage Rate (APR): 19.49% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X0000001 FIS33334 C 3 000 N Z 25 07111125 Page 1 of1 06419 MAMA 13917 32910000030001391701 Address Change Request . Please provide information below only if the address information on front is incorrect Street Address: ---------------------- City: - - - - - - - - - - - - - - - - - - -- State. Zip- ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address. - L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution, Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1 p.m. focal time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1.00 p m, local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement, Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount. must be sent to Card Services, PC. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ('check transaction"). purchases, balance transfers. cash advances, promotional balannes or overdraft advances), These calculations may combine different categories with the same daily periodic rates. If there is a V' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rateand its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. vie take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice) . Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together. the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section it you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, orif you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.C. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we nailed you the advertisement for the property or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $3,23475 01/19/08 $200.00 $339.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200033900003234750000000 22167 BEX Z 35907 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 Irfrlllrf,IlL..rlrLrLI?LIrdlrfr,IrrllrfrLlrrlLrrl?rrlll I...IIIrlrrlrd.lrrlfrll...lrlrrrfllrlrlrrrllfflrlf.fllrrllfrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 il:5000 1,60 281: 203 1,068 743 1,9 2 211' Opening/Closing Date: 11/26/07 - 12/25/07 CUSTOMER SERVICE Coldwater Creek Pament Due 01/19/08 InU.S. 1-800-231-2568 EsparSof 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3,127.45 Total Credit Line $4,000 P O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $765 Wilmington, DE 19850-5298 Finance Charges +$68.30 Cash Access Line $800 New Balance $3,234.75 Available for Cash $0 PAYMENT ADDRESS P.0. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. com/creditca rds Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 1,645 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 0 Points Unavailable for redemption 1,645 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. Plus, we've improved the way you receive the $20 Coldwater Creek gift coupon you automatically earn when yo i ve reached 2000 points: It will now be sent to you separately instead o' with your monthly statement. No waiting for your statement - you can treat yourself to something special as soon as it arrives! TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 12121 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .07189% 26.24% $1,078.04 $23.25 $0.00 $0.00 $23.25 Cash advances V .07189% 26.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .07189% 26.24% $2,088.72 $45.05 $0.00 $0.00 $45.05 Total finance charges $68.30 Effective Annual Percentage Rate (APR): 26.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 07/12/25 Page 1 oft 06419 MAMA 22167 35810000030002216701 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: --------------- City . --------------- State. -- Zip. ----- ---- Horne Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address. --------------- 7 L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1.00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 pm. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors. or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report If you thin( we have reported inaccurate information to a credit bureau you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked `paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, PC. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address, Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ("check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. vie take the beginning balance for each feature, add any new transactions or other debits )including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice)- Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except farm inor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest.` If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to yeuraccount as soon as the first day after the Expiration Date. Further. if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at PQ. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give us the following information. Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $3,357.37 02/19/08 $339.00 $495.00 • Make your check payable to Chase Card Services. ? Amount Enclosed $ New address or a-mail? Print on back. 426684106874319200049500003357370000003 28377 BEX Z 02508 C 1111111111111111111111111111111 I 111111111111111111111111111111 ARLENE R HESS PO BOX 1547 CARDMEMBER SERVICE MECHANICSBURG PA 17055-9047 PO BOX 15153 WILMINGTON DE 19886-5153 t: 5000 1GO 281: 203 LOG87l-.3 19 2 2f, OpeningClosing Date 12/26!07 - 01125!08 CUSTOMER SERVICE Payment Due Date: Coldwater Creek 02119/08 In U.S. 1-800-231-2568 Minimum Payment Due: $495.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 1-302-594-8200 Previous Balance $3,234.75 Total Credit Line ACCOUNT INQUIRIES $4 000 Purchases, Cash, Debits +$39.00 available Credit , p O. Box 15298 $642 Finance Charges +$83.62 Cash Access Line Wilmington, DE 19850-5298 $800 New Balance $3,357.37 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-.il53 VISIT US AT: www.chase.com/creditcards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect /-302-594-8200)today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 0 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 0 Points Unavailable for redemption 1,645 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. Plus, we've improved the way you receive the $20 Coldwater Creek gift coupon you automatically earn when you've reached 2000 points: It will now be sent to you separately instead of with your monthly statement. No waiting for your statement - you can treat yourself to something special as soon as it arrives! TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 01/20 LATE FE E $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $1,144.17 $29.15 $0.00 $0.00 $29.15 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.08216% 29.99% $2,138.32 $54.47 $0.00 $0.00 $54.47 Total finance charges $83.62 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 08101125 Page 1 of 1 06419 MAMA 28377 02510000030002837701 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. ------------ City ------------ -- State. Zip ----- ---- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address* -----------_ _1 L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found an the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Witte your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment ism accordance with our payment instructions and is made available to us on any day except December 25 by 1'.00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1.00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payment: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount. must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (a g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (a g., balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in adrich they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero, If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (11 more than one daily periodi c rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges forall features. To determine an average daily balance. we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together. the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies. multiply the average daily balance for each feature by the applicable monthly periodic WE and add the results together. The total will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the dale it is added to your dairy 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 both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we m ust receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as 'deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as passible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this projection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, MAD21207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $3,483.18 03/21/08 $495.00 $655.00 - + Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200065500003483180000006 12215 BEX Z 5608C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 IrrrIILrJII,r,rl?IrrlJrlrLrllrrrrl,rlLrrldrrllrrrl,rrlll Irrrlllrlrrlrrlrl,rlrrllrrrl,lrrrrllrlrlrrrllrrlrlr?rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 ,: 5000 160 28i: 20 3 10 68 7 4 3 19 2 2ita Opening/Closing Date: 01/26/08 - 02125/08 CUSTOMER SERVICE Payment Due Date: Coldwater Creek 03/21/08 In U.S. 1-800-231-2568 Minimum Payment Due: $655.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 1-302-594-8200 Previous Balance $3,357.37 Total Credit Line ACCOUNT INQUIRIES $4 000 Purchases, Cash, Debits +$39.00 Available Credit , 15298 $516 Finance Charges +$86.81 Cash Access Line , DE 19850 Wilmington, $800 imington DE -5298 New Balance $3,483.18 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. com/cred itca rd s You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 0 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 0 Points Unavailable for redemption 1,645 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. Plus, we've improved the way you receive the $20 Coldwater Creek gift coupon you automatically earn when you've reached 2000 points: It will now be sent to you separately instead of with your monthly statement. No waiting for your statement - you can treat yourself to something special as soon as it arrives! TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02/19 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $1,214.43 $30.94 $0.00 $0.00 $30.94 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,193.47 $55.87 $0.00 $0.00 $55.87 Total finance charges $86.81 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33334 C 3 000 N Z 25 08/02/25 Page 1 of1 06419 MA MA 12215 05610000030001221501 Address Change Request Please provide informatinn below only if the address information on front is incorrect. Street Address: ---------------------- City ------------------ State: -- Zip'. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ---------------------- _1 Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign linancial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon. and there can be no staples, paper clips. tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If yo ur payment is in accordance . with our payment instructions, but is made available to us after 100 p.m local time at our post office box designated for payments on this statement, we will credit it to our account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus, Late payments, missed payments or other defaults on your account may be reflected in your credit report . It you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement, Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree 10 pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. yoL 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, Explanation of Finance Charges: We calculate periodic finance charges, using the applicabl, periodic rates shown on this statement. separately for each feature (e g... balance transfer/convenience checks and cash advance checks ('check transaction"), purchases. balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. It there is a _V' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. vie take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to you r account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies. multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we de not charge periodic finance charges on new purchases billed during a billing cycle it we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Dale. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also. for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest" It a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think. your bill is wrong. or if you need more information abouta transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after vie sent you the first bill on which the error or problem appeared. You ran telephone us. but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can. why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the propetty or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $3,604.17 04/19/08 $655.00 $812.00 Make your check payable to Chase Card Services. Amount Enclosed New address or e-mail? Pnnt on back. 426684106874319200081200003604170000007 13022 BEX Z08508C I.,,IIIr LrIrJrl,rLrlLrrlrLrl rll rl,L ?rILrl JrrrllrJlrrl ARLENE R HESS PO BOX 1547 CARDMEMBER SERVICE MECHANICSBURG PA 17055-9047 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000160281: 203 L068743 L9 2 2v Opening/Closing Date: 02/26/06 - 03/25/08 CUSTOMER SERVICE Payment Due Date: Coldwater Creek 04/19/08 In U.S. 1-800-231-2568 Minimum Payment Due: $812.00 Espanol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 1-302-594-8200 Previous Balance $3,483.18 Total Credit Line 000 ACCOUNT INQUIRIES $4 Purchases, Cash, Debits +$39.00 Available Credit , $395 P.O. Box 15298 Finance Charges +$81.99 Cash Access Line $800 Wilmington, DE 19850-5298 New Balance $3,604.17 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.oom/creditcards It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 0 Points Earned on Other Purchases 0 Points Forfeited 1,645 Points Redeemed This Period 0 Current Points Total 0 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retails stores or outlets: call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. Plus, we've improved the way you receive the $20 Coldwater Creek gift coupon you automatically earn when you've reached 20GO points: It will now be sent to you separately instead of with your monthly statement. No waiting for your statement - you can treat yourself to something special as soon as it arrives! TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Descdption Amount Credit Debit 03/21 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08011 % 29.24% $1,281.72 $29.78 $0.00 $0.00 $29.78 Cash advances V .08011 % 29.24% $0.00 $0.00 $0.00 $0.00 $0 00 Convenience check V .08011 % 29.24% $2,247.53 $52.21 $0.00 $0.00 . $52.21 Total finance charges $81.99 Effective Annual Percentage Rate (APR): 29.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 0000001 FIS33334 C 3 000 N Z 25 08103125 Page 1 of 1 06419 MAMA 13022 08510000030001302201 J{ 0274 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------------- City ------------------ State -- Zip: ----- ---- Home Phone: - -- ---- Work Phone: --- --- ---- _1 E-mail Address - L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by i pressing 0 after you enter your account number. = Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. It you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When vie use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back froin your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically, Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked paid in full" or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount trust be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you nosily us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (a g.. balance transfer/convenience checks and cash advance checks ('check transaction'), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle.. we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one dailyperiodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account, However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also. for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as 'deferred interest.' If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: It you think your bill is wrong. orif you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after vie sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay file remaining amount due on the goods or services, You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA021207 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment $3,733.95 05/20/08 $812.00 $979.00 Make your check payable to Chase Card Services. Amount Enclosed New address or e-mail? Print on back. 426684106874319200097900003733950000004 28303 BEX Z 11608 C ARLENE R HESS PO BOX 1547 MECHANICSBURG PA 17055-9047 CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 203 1068 74 3 L9 2 211• Opening/Closing Date: Coldwater Creek Payment Due Date: 03/26/08 - 04/25/08 CUSTOMER SERVICE 05/20108 In U S. 1-800-231-2568 Minimum Payment Due: . $979.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number : 4266 8410 6874 3192 ACCOUNT INQUIRIES Previous Balance $3,604.17 Total Credit Line $4,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $266 Wilmington, DE 19850-5298 Finance Charges +$90.78 Cash Access Line $800 New Balance $3,733.95 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 0 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 0 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retail stores or outlets, call 800-787-9196 for one near you. For catalog orders, call B00-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. If you have earned a $20 Coldwater Creek gift coupon, expect to receive your gift coupon from Coldwater Creek in 2-3 weeks. Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retail stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/20 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08011% 29.24% $1,35119 $33.61 $0.00 $0.00 $33.61 Cash advances V.08011% 29.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08011 % 29.24% $2,302.18 $57.17 $0.00 $0.00 $57.17 Total finance charges $90.78 Effective Annual Percentage Rate (APR): 29.24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 00D0001 FI533334 C 3 000 N Z 25 08104125 Page 1 oft 06419 MAMA 28303 11610000030002830301 X 0274 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------_ City: ------------ State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ----_-_----_ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send rash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 pro. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to CredilBureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurete information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e g . if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed each year or in monthly installments. whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual 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. vie will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ('check transaction'), purchases. balance transfers, cash advances. Promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance. or check transaction. in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid fin-nice charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then _1 add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one dairy periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic, rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and lime your payment was due, There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if there is a 'Qualifying Promotional financing' section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer. the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However. if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you ran, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030708 Statement for account number: 4266 8410 6874 3192 New Balance Payment Due Date Past Due Amount Minimum Payment ? $3,863.13 06/19108 $979.00 $1,146.00 CHASEO Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106874319200114600003863130000003 12472 BExZ 1460ec IrrrIllJrrL?IrLJrJLrrlJ,rrrIlrLLrrILrlJrrrllrrllrrl ARLENE R HESS PO BOX 1547 CARDMEMBER SERVICE MECHANICSBURG PA 17055-9047 PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 203 1068743 19 2 2ll' Opening/Closing Date: 04/26/08 - 05125/08 CUSTOMER SERVICE Payment Date: Coldwater Creek In U. S. 1-800-231-2568 0 6 / inimum Payment Due: M $1 , 1 4600 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6874 3192 Previous Balance $3 733.95 Total Credit Line 000 ACCOUNT INQUIRIES $4 , Purchases, Cash, Debits +$39.00 Available Credit , $136 P.O. Box 15298 Wilmington, DE 19850-5298 Finance Charges +$90.18 Cash Access Line $800 New Balance $3,863.13 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect 1-302-594-8200). COLDWATER CREEK PREFERRED REWARDS SUMMARY Previous Points Balance 0 Points Earned on Other Purchases 0 Points Redeemed This Period 0 Current Points Total 0 Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retail stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040; online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. If you have earned a $20 Coldwater Creek gift coupon, expect to receive your gift coupon from Coldwater Creek in 2-3 weeks. Remember, you always earn 5 points for every dollar you spend at Coldwater Creek. Shop our retail stores or outlets; call 800-787-9196 for one near you. For catalog orders, call 800-262-0040, online, visit coldwatercreek.com. Plus, earn 1 point per dollar for all other purchases on your card. TRANSACTIONS Trans Amount Date Reference Nu nber Merchant Name or Transaction Description Credit Debit 05/20 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.07942% 28.99% $1,426.22 $33.98 $0.00 $0.00 $33.98 Cash advances V .07942% 28.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .07942% 28.99% $2,358.86 $56.20 $0.00 $0.00 $56.20 Total finance charges $90.18 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 0000001 FIS33334 C 3 000 N Z 25 08105125 Page 1 ofi 06419 MAMA 12472 14610000030001247201 X 02741NS13083 - r Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------------- City . ------------------ State -- Zip ----- ---- Home Phone: --- --- ---- Work Phone. --- --- ---- E-mail Address: --_--------_ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found an the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply, with the instrucfions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send rash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with cur address visible through the envelope window: the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at curpost office box designated for payments on this statement, we will credit it to your accountas of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus, Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion, When you provide a check as payment, you authorize us either to use information from your check to make a one-fime electronic fund transfer from your account or to process the payment as a check transaction. When we use information froin your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution Call the customer service number on ttiis statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is ne valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments thatyou make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual lee, it will be billed each year or in monthly installments whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual 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. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ('check transaction'), purchases. balance transfers, cash advances, promotional balances or overdraft advances), Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement. that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance. or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily talance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the 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.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if vie receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a ' Qualifying Promotional Financing' section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, it your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permitsyou to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19650-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or fake action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030708 EXh?bit „C„ a CHASE EXHIBIT A BILL OF SALE Chase Bank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated December 3, 2009 between Seller and Turtle Creek Assets, Ltd., by and through its general partner Forward Properties International, Inc. ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of January 15, 2010 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Number of Accounts 30091 Total Unpaid Balances $120,376,960.14 Premium Due Seller Amounts due to Setter by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller no later than January 22, 2010 (the "Closing Date") by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A. ABA 9021000021 Beneficiary Dame: Chase Bank USA, N.A. Beneficiary Account: #304-256420 This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Chase Bait USA,l By- _.? 'T'itle Team Deader Date: January I' #l. 2010 Turt By: Date: Title 9 v Excerpt from Exhibit 1 CoBrand: CHASE BANK USA, N.A. Account #: 4266841068743192 Account Open Date: 10/26/05 Account Charge Off: 5/30/08 Last Payment Date: 10/18/07 Debtor Last Name: HESS Debtor First Name: ARLENE Debtor Address: 306 RESERVOIR ROAD Debtor City: MECHANICSBURG Debtor State: PA Debtor Zip: 17005 Debtor SS#: none on file Debtor Home Phone: 717-766-8902 Debtor Bus Phone: Balance: $6,627.03 f? EXHIBIT A BILL OF SALE Turtle Creek Assets, Ltd., by and through its general partner, Forward Properties International, Inc. ("Seller"), for value received and pursuant to the terms and conditions of the Credit Card Account Purchase Agreement between Seller and AMERICAN CREDIT COLLECTIONS LLC ("Purchaser"), hereby sells, conveys, transfers and assigns to Purchaser, effective as of the File Creation Date of January 22; 2010, all rights, title and interest of Seller in and to those certain accounts, receivables, judgments or evidences of debt described in Exhibit I attached hereto and made part hereof for all purposes (the "Accounts"). Number of Accounts 979 Total Unpaid Balances $4,083,987.94 The Accounts sold hereby were purchased by Seller from CHASE BANK USA; N. A., a national banking association ("Original Creditor") as evidenced by the Bill of Sale from Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all purposes. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Turtle Creek Assets, Ltd., a Texas limited partnership By: Forward PropWrti? s Inter tional, Inc., its general partner By: Gordon L1'e, President ~. .}l~l _.j ~~S~+i ~if ~~~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN CREDIT & COLLECTIONS, LLC ) NO. 10-5355 CIVIL TERM PlaintifflAppellee ) vs. ) ARLENE R. HESS, ) Defendant/Appellant ) ~~ .r, ; ~~ _~..~ ::s.. r- v3. , ANSWER TO ~ ~ „ COMPLAINT =~ c7 ~ :~- ~~ '" C ~ NOW COMES the Defendant, Arlene R. Hess, by and through the offie~ off; the below signed counsel and answers the Complaint as follows; 1. Denied. Strict proof of account ownership by American Credit & Collections, LLC is demanded at the time of trial. 2. Admitted. ANSWER TO COUNT I CONTRACT 3. Denied. Strict proof of application, creditor name, account number and date of application are demanded at the time of trial. 4. Denied. It is denied that the Defendant "accepted the offer of credit", that the account "has a current balance of $6,627.03 as of September 10, 2010. It is denied that the Cardmember Agreement is the writing governing the terms regarding the account as Exhibit A, or that the monthly statements are all attached as Exhibit B. 5. Denied. It is denied that the Defendant "defaulted" on November 19, 2007 by failing to make required monthly payments when due. It is denied that the entire balance is immediately due and payable to Plaintiff "pursuant to said agreement." By way of further answer, Defendant acknowledges use of a credit card, apparently at issue. The balance mysteriously climbed several thousand dollars. After contacting the lender, no explanation or correction was offered. a -~, ~~ ~,,=_ ~,.s ~, _~, ~ ~~ , --1 (= `~ -~-~ -~, C1 --i ~ .y 6. Denied. Defendant is without knowledge as to whether or not Plaintiff purchased Defendant's debt on January 22, 2010, or that the Bill of Sale reflects chain of title in Exhibit C. 7. Denied. It is denied that Plaintiff is entitled to interest pursuant to Exhibit A at the conservative rate of 19.99% on any unpaid balance prejudgment from the date of default of November 19, 2007. It is further denied that November 19 correctly identifies a date of default. Strict proof of any interest calculations is demanded at the time of trial. 8. Denied. It is denied that Plaintiff repeatedly requested the correct payment; it is further denied that Defendant refused to pay the actual amount due. To the contrary, Defendant requested a breakdown of correct amounts due, and agreed to make payments on that amount. ANSWER TO COUNT II -ACCOUNT STATED 9. Defendant incorporates paragraphs 1- 8 as if set forth at length herein. 10. Admitted in part, denied in part. It is admitted that Defendant received monthly statements from the original lender. It is denied that the Defendant did not dispute charges due alleged in the complaint. Prior to December 2009 the highest balance was $3,863.00. Defendant disputes the amounts in excess of that amount, and continues to do so. 11. Admitted. 12. Denied. Defendant does not know what is meant when Plaintiff states that Defendant impliedly accepted an account with an amount in dispute. WHEREFORE, Defendant prays this Honorable Court to enter judgment in her favor and against Plaintiff. ANSWER TO COUNT III -UNJUST ENRICHMENT 13. Defendant incorporates paragraphs 1-12 as if set forth at length herein. 14. Admitted in part, denied in part. It is admitted that Defendant used a charge account offered by the original creditor. It is denied that the full amount r_ . claimed by this Plaintiff is due and owing as interest and other charges are disputed. 15. Admitted in part, denied it part. It is admitted that Defendant "appreciated" the benefits of the original card uses, which, parts of which are disputed. Portions on those original uses have been repaid. It is denied that Defendant "appreciated' the uses or benefits of any disputes portions or charges. 16. Admitted in part, denied in part. It is admitted that Defendant received some benefit for actual charges made. It is denied that Defendant retained the full amount claimed by Plaintiff, or that it is inequitable without the payment for same. By way of further answer, Plaintiff, if it owns this account did not pay the full amount claimed. Plaintiff is unjustly enriched by receiving 100 cents on the dollar if it paid less than this amount for purchase of the account. WHEREFORE, Defendant prays this Ho Court to enter judgment in her favor and against Plaintiff. ael .Travis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravlslaw.com Attorney for Defendant Date /V~S~v c~.~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN CREDIT & COLLECTIONS, LLC ) NO. 1U-5355 CIVIL TERM Plaintiff/Appellee ) vs. } } ARLENE R. HESS, ) DefendantlAppellant } VERIFICATION The statements made in this Answer are true and correct to the best of my knowledge, information aril belief. t understand that false statements made herein are subject to the penalties of 18 Pa.C. .Sect. 4904 relating to unsworn falsification to authorities. /U 1 `I t~ ene R. Hess <, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN CREDIT & COLLECTIONS, LLC ) NO. 10-5355 CIVIL TERM Plaintiff/Appellee ) vs. ) ARLENE R. HESS, ) Defendant/Appellant ) CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Robert M. Cohen, Esquire PO Box 264 Taylor, PA 18517 1o fs/~~ Michael S. Travis 3904 Trindle Road Camp Hill, PA 17011 Attorney for Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PLAINTIFF AMERICAN CREDIT & COLLECTIONS, LLC P.O. BOX 264 TAYLOR, PA 18517 DOCKET NO.: 10-5355-CV vs. DEFENDANT ARLENE HESS 306 RESERVOIR ROAD MECHANICSBURG, PA 17055 CIVIL ACT c z? r?-z < z? 5;z z PRAECIPE TO WITHDRAW COMPLAINT WITH PREJUDICE TO THE PROTHONOTARY: T1,a CZZ> tZI rrn c) I N ZZ .c- z rn? -rs -C.'r ' z e? ?C') :--? rra PLEASE WITHDRAW PLAINTIFF'S COMPLAINT WITH PREJUDICE, IN CONNECTION WITH THE ABOVE CAPTIONED MATTER. DATE: 41?(O l o RESPECTFULLY SUBMITTED Robert M. Cohen, Esquire P.O. Box 264 "Taylor, PA 18517 PA ID # 44551 (866) 760-6205 ext. 235 Attorney for Plaintiff ORDER Now this day of eC. , 2010, the Complaint is marked withdrawn with prejudice. Notice is given to all parties pursuant to Pa. R.C.P. 236. Clerk of Courts By: O'd David -D. Buell - Prothonotary Office of the (Prothonotary Cum6er[and County, Pennsylvania 2 rkS. Sohonage, EsQ Solicitor �U CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHO NOTARY One Courtfiouse Square 0 Suite100 9 Carlisle, TA 0 Phone 717 240-6195 0 rFax 71 7 240-6573