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10-5520
OF THE ftTH-0CW 10 AUG 2b Ali 0 22 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: IQ-,5Sa,D 0---;1V'tI-F WILLIAM B ZELNER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08493317 C J Pit SJS 0 9a.00 Pp ATrf 4?oq? I 0114 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No WILLIAM B ZELNER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 . 2. Defendant , is adult individual(s) residing at the address listed below: WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA, PA 17025 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX3680 . 4. Defendant made use of said credit card and has a current balance due of $8975.54 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment against Defendant , WILLIAM B ZELNER , INDIVIDUALLY , the amount of $8975.54 with continuing interest thereon at the statutory rate of 6.000% per annum from July 30, 2010 , plus attorneys fees of $300.00 and costs. James C. WELTMAN, 436 Seve 08493317 C J Pit SJS Pittsbu (412) FAX: 4 2 This law firm is a debt collector attempt our client and any information obtained A 1 armbroat,42524 INBERG & REIS CO., L.P.A. Avenue, Suite 1400 PA 15219 955 38-7130 to collect this debt for be used for that purpose. Payment Due Date New Balance Past Due Amount Minimum Payment 05,27110 $6,975.54 $700.00 $953.00 CHASE 0 Account number: 3680 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Pnnl on back. 42666411826636800009S30000897554000000000000004 46126 BEX Z 12210 C WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 LrrllLrdllrrrrrLLlrLrrLlrrlrlrrrlllLrrrrrlllJrrlL.rl Irrrlllrlrrlrrlrlrrlrrlirrrlrlrrrrlirirlr?rllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 t- ? 3 680 21I- a pE CQ Manage your account online: Additional contact information www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 680 New Balance $8,975,54 Previous Baiance S8,811.31 Payment Due Date 05/27110 Fees Charged +539.00 Minimum Payment Due $953.00 Interest Charged +$125.23 Late Payment Warning: If we do not receive your minimum New Balance $8 97554 payment by the date listed above, you may have to pay up to a $39.00 late fee and your APRs will be subject to increase to a OpeninglClosing Date 04/08110 - 05/02/10 maximum Penalty APR of 29.99%. Total Credit Line $8 600 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake Available Credit So you longer to pay off your balance. For example: Cash Access Line $1,720 Available for Cash $0 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about... pay.,. Only the minimum 32 years $22,751 payment $321 3 years 1 $11,565 (Savings411,186) If you would like Information about credit counseling services, call 1-866-797-2885. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track, Call 1-800-955-8030 (collect 1-302-594-8200) today. Important Message: You Are Ovedimll! Your statement balance exceeds your credit line. You should make a payment that includes the overlimit amount to bring the balance under your credit line. FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn points by using your Flexible Rewards Total Points Unavailable for Redemption 6,272 credit card for everyday purchases like groceries. gas, and drugstore purchases. 110 Points to expire on statement on or after AUGUST, 2013 Your Chase Flexible Rewards credit card earns 1 point for every S1 you spend on purchases. Earn up to an additional 10 points while shopping online through www.chase.comlrewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card, too. Why not get rewards for all those purchases too? It's that simple. Simply go chase.com/rewards to choose your reward today! Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount FEES C4,11A) iiEO (,4-t i-AiE FEE 3900 OS/l.2 05/02 8493317 05102 05/02 0000001 FIS33335 C 3 X 0050 )T',L FEES - )P T-iIS PERIOD FUR-HASE INTEREST i,HARGE PURCHASE INTEREST CHARGE CASH ADVANCE INTEREST CHARGE BALANCE TRANSFER INTEREST CHARGE TOTAL INTEREST FOR THIS PERIOD S3900 62 62.41 50 50 11 70 $125.23 This Statement Is a Facsimile - Not an original 000 N 2 02 10i05i02 Page 1 oft 06266 MA MA 46126 12210000030004612601 EXHIBIT 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: - 8493317 L To contact us regarding your account: BInU.S. 1y TNapfton 1: V ® $08-305.4016 Espanol 1--800-888-046.955.8060 3308 TDD 1 Send Inquiries to: Mail Payments to: Visit Our WNnRr. Pay by phonet-800-036.7958 P.O. Box 15298 P.O. Box 15153 www.chase.coMcreditcards Outside U.S. call tolled Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 IMSmdim Areal Your Aped CMMISg of Fgmds: You may make payments by any of the options listed below. The Amwm of yaw payment sheik be at land your minimum payment du, payable In U.S' dollars and drawn or payable through a U.S. financial imNtation or the U.S. brands of a torn gn flnanchal kWkftn. You nay make payments by regular U.S. -It Sandymr payment to tie Payments address shown on this shbmet. Your payments by mat mud comply with the th"Jims on this statement . Do not snit cash. Witte your Accani mmbee on your chack or money order. Payments mot be woompaNed by the payment coupon in the an"" provided won our address visible through the wheope window: the envalope cannot motion more then ore payment a coufxrm and them an be no dapls, paper clips, tape ar c«rspandena lnefudedwiMyourptynLmft. Instruction and Is made ave0gle to us on any day by 5.-00 p.m. local the A our Payments address an this detailed, we will ml the payment to your Aram s of that hay. If your payment is in amordsra with our payment Inetructlnno, but Is made available to a after 5:00 p.m. teal time at the Payments address on this statement, we via credit It to your Adam s of the nee calendar my You may amp paymsfselectronicaly into ugh ourwebsfte shown an this statement. I'm receive your completed mgrsg on am weak by 5 p.m Easton Tim. we will ores your payment as of that day. If we mcahw your nosed after 5 r.m. Eartam Tine, we wit crndht yaw payment as at tie meal Gondar day. It you specify a futum date in your mcost we will crack your payment as of that day, the um Parlodd rats. Variable was will vary with the market band on the Prime Bah (arswhAeerdscdbednym AmLmt Agmemem). Thembamntmumintemtchrge of $1.50 (a such mature described In your Account Agreement) in any blMng W* in which you owearry pedadc hrdestchargn, and a transaction fail forach balance harder, cash advance, of ch icktfansdion, In the amounts ended In your AocountApramem, as A may be amended. Thin is a foreign transaction he of 3% of the U.& dolu amount of any lorelpn tramadlon (w such amount described In yaw Account Agmemerd). How to Avoid Payip marrow on purchases: We begin aamWeg periodic intense charges on a transaction, tee, or InhreM charge from the dale it Is added to your dally biWa will yaw Account is pad in full, as described in your Account Agreement Your due rite will be a mbbraan of 21 days following it. claim at each belong cycle You an avoid perbdc hntered chares on new purchase when they am fled billed to a slelsmm as described belowbdthisdos not apply to balance bandsm, call advassor everdaR advarm It you main a MUM moneey statermmthat Induds new pumhss and male a payment flat" item bythadais amthmsIn@ Mnnxm peytent Is tip for this argument, we will not charge periodic atemst on any potion of those new purchases the we slimmer sudr psymem lo, so long s 1) your current ahhmerl also sham the we =OM pytnent of the wldng babnce for yow pmts month's eihment bythe doe end time a Mimmum Permit was du OR 2) Rot the ending balance for your previous months slumam wis zero. If you haw a balance other than a Wrohm balance ofd a* babes carrier a higher Perlodk idared rate, you may not be able to SOW pvtodc Imereg charges an new Purchases b you do not pay your balemos In fell aids insi bemuse wage nmey, allocate pastrami first to the balance with the highest periodic armed rate. For all other paymartr or lot any Paywro type soon for which you do not follow our Wool To Do 11 Tort TMok You Fled A Maple On WM Sbbmat Payment instructions, credting of your payrrerm may be delayed for up to 5 days. A=NM leWOMles Mpsriad Is CmdA R a We may, report Ww *W about your Accoud to aredk bureaus. Late payments mead payments or other detaue on your Amount may he n8ectod In your Credit report. If you think we have reported inaccurate Information to a trend bureau, you may mks to to at the Inquinp addreas sewn on Ihl9 amtemra. NOIN OApat 9agMale Ctatt COpMalm:When you pay by check you aumorba s seher to use Information from yaw check to make a om-tlme electronic fund tmrsla than your nocum or to Incas the Cellars as a chwk Imsactlon. When wo use information from your check to wale an ebetronr fund tmnder, funds may be wthdawn from your amount as son as the some day we receive your Paymem, and you will not models your check back from yew financial Institution. Call the Customer Service number on title defenses it you hew gdaslions abau electronic check collection or do not went your paymellM odWed elsommalcay. Condtbml Payslesi: Any Paynem check or other form of payment that you seed us for I= than theful balance due that Is rharked'Rid in full- or tonne a similar notation, or that you otherwise larder In fail eldWlcn of a disposal unwult, most he ear to Cud Servexe, P.O. Bat ISM, Wilmingbn, DE 19650.5049. We reserve all our rights referring them payments (e.g., It it Is determined mss Is mo valid dispute or h any such check Is rerewnd at any otter address. we may so p r the check old you will still mw my romalntng baWm). We may (#too to moopt ary such Payment by refunding If to you. not cshring it or destroying It. NI other payments that you make should be send to the regular Payment address shown on thin .Moment. Aloof Aealwl NOW If your Account Agreement has an annW membership Is may or similar charge for isumce or a4labOy of your amount ft will be billed each year or In mathly or quenay Insldmsh. This to motor charge us owed whether or rot you use your Account, and you agree to pay thin whim pled. The amid fair and olives am mirrelundable urns you notify s tfN you wish to close your account within 30 days or am biting cycle (whichever Is best after we polite the statemom on which the annul Im or Charge is b*W will stthe same time, you pay yaw outstanding baimoe intuit. It you do Ilk, for a charge billed eon often than anm ily such u a money service chaste, you will not awe use bit billed charge; however, prior billed charge am mrrraf eali bk arm mud its paid se pad of paying you outstandkp balance In full. Yaw payment of the arms fee of charge doe not a6ect our Opens to clam your Account and to limit Vow r" to make transactions on yaw Account. 6 yaw Amour is closed by you m us, we will continue to Impose the annual fie afdlor charge until you pay yaw aldandng baemoe in full anti brmnaleyou Accour relationship, CMcgaen of IeI lv*d Is Inbred Rolm: To figure your perbdc IMSmt charges for each billing cycle wen a daily periodic totals) applies, we use the daily below Method (including current traeactions). To Npwe yaw pulotlk merest charges fur ash bring Cycle when a montMy periodic hate(s) pols% we ere the aveap daily balance melhad (Including current taneactbns). For an rmtanstbn at ether mertad, or qustbns about a padimbir mbmd charge akWVbn on your salmon. platy ail us at the too free Busk air service phone amber Ildhid above. We cakulge Parndk hntereg charges, using ten applicable periodic eta shown on this satemers, separably for aeh realun (eq., balance transfer checks and ash advanw checks ("check taneactom t. purchases, balance tandem, ash advances, pro rabrad balance wowrdaft.dinamme. Tess almirtlcns may comhlM d ate htategod. with If you think there is in error an your sllbMrd. write to us an a separate share al Customer Service, P.O. Box 15299 Warrington CE 10850-5299: In your elfin, giro . the 1.11-i ep information: • Amount Imamatla: Your name and Amour number. • Doer annum The dolor roam or the saepecled error. • Description of Problem: If you think them Is anenoron your bill, describe what you team Is wrong and why you believe A is a mNad. You mud comaet us We* SD days after the error appealed an your amearent. YOU must 0" Ve of try pommel errors in wrAing. You may oil Ito but 1 you do we am mot regaled to In WHIgot airy polenhal errors anti you may have to pay the amount in question. Whits we investigate whether or not there its ban an arm, the foilowarq an tom: • We cannot try to caged the amount in mention, or report you as delinqueel on that amount. • The dense in Quedlen nay roman on Vow statement, and we may continue to charge you artemot an that amount. But, If we dolarmhe that we made a mistake, yes will mot have to pay the amount in quslbn or any interest or min fees remeo to that amour. • Will you do not have to pay Ire vrotMl In mtstbn, you am rSIPOWble for Me remainder of your batanca. • We ep apply any unpaid amount pemt your credit limit Year Agilds N Ym Am Oksetled Will Year Cmdt Card Pwdmag; R you am dlsaatralied with tie goods or divides that you ham purchased with yaw credit cud and you have trod In good taith to correct the problem with the merchant, you may ninths right motto pay the mmalnng amount due on to pushes. To use this right, all of the following must be lm: 1. The Purc are mug have been mar In your home sea or within 100 man of yaw amen noun f Akins, and the Purchase pIn mug have bean more than $50. (NOW: Neither of these am necessary R your purchase was based on an advereserrarrwe malbd u you, Or g we own the company that sold you the goods or service r) 2. You mug haw usad your trait cud lot the purchas. Purchases made wen ash advances from an ATM or with a click that accsss yaw credit am Account do nit molly. 3, You must not yet haw fully paid for the pumhase N al of the cdeha above in mat and you am all deaefledwilh the purchm, coact us in wrong at Customer Service, P.D. Bow 15299 Wilmnpon, UE 19859-5299: WMIewe Investigate, the some rubs apply to 1% disputed amount as discussed above. After we finish ow Inveglpation, we will tell you ow derision. Al that point, A we think You owe an amount and you do not pay we may report you a dmrquam. MAI202009 Statement Date: 04/03110 - 05102110 Account Number: X3680 Page 2 of 2 200 TofsleY*W tO-b Total fees charged in 2010 5156.00 Total interest charged in 2010 S493.12 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account- Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days In Cycle Interest Rate Charges Charges Purchases 15.99% (v) 54,748.68 $62.41 50.00 Purchases 15.99% (v) $47.15 50.62 $0.00 Cash Advances 19.24%(v) 53,193.27 S50.50 50.00 Cash Advances 19.24% (v) $0.00 S0.00 $0.00 Balance transfer 15.99% (v) S890.32 $11.70 50.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important Information, as applicable. 8493317 This Statement is a Facsimile - Not an original X 0000001 FI533335 C 3 000 N 2 02 10105102 Page 2 of 2 06268 MA MA 46126 12210000030004612602 Cardmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered by this agreement. please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account. each of you, together and individually, is responsible all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other person(s) to pay. Please sign the back of your card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whether you use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" and "our" mean h and Bank USA, N.A., "yours" mean all the issuer of your credit card and account. The words "you 'your' You persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any personwho agrees to be liable onihe account. The word "card' means one ormore cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT count and shall be used only for personal, family or Your account is a consumer ac household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawful transactions. For example, internet gambling maybe illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated under this agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services. Checks: We may provide you cash advance checks or balance transfer checks as a wayto use your account. We also refer to them in this agreement as a check or checks. You may use a check to pay for goods or services, to transfer belancestoyouraccount, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transler checks are treated as balance trans lers except as noted in this agreement or any offer we make to you. We may treat checks thatwe call convenience checks as balance transfer checks. However, checks and that we indicated that we call convenience checks for cash advances, maybe treated as cash advances and assessed cash adt ante rates and fees. • Balance Transfers: You may transfer balances from other accounts or loans with other - ?-redit tardissu og nrhPrlenderstothisorcount,orother balance transfers weallow. But you may not transfer balances to this account tom other 666UU 1, !s with us OF any oyour f our related companies. If a pra s requested ba balance tansfersuprto'yourcavailable available credit line, we may process partial credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like 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 your behalf and bill the payment to this account. • Overdraft Advances: 11 you have an eligible checking account with one of our related banks ' you ttcnder the account ters with our related bank to cover an overdraft on that checking account u of this agreement and your checking account agreement. Billing Cycle: In order to manage your account, we divide time into periods called "billing cycles'. Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. If you do so, this account may appearon the credit report of that authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on youraccount according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. If you notify us, we may close the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credit line may be used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page 1 of 6 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason, we may charge you an overlimit fee as described in this agreement. We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At our discretion, we may increase, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your creditline. A change to your creditline will not affect your obligation to pay us. International Transactions: International transactions include any transaction that you make in a foreign currency or thatyou make outside of the United States of America even if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates 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 effecton the applicable processing date.The retain effect on the applicable processing date may differ from the rate onthe date you used your card or account. We reserve the right to charge you an additional 3% of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case,the 3%will be calculated on the U.S. dollar amount oln t provided to us by that entity. The same process and charges may apply any transaction is reversed. 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 online transactions. Refusal to Pay Checks: Each check you write is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies is the payee on the check. • Your credit line or cash advance portion of your credit line has been exceeded, or would be exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on it. You are in default or would be if we paid the check. Lost or Stolen Cards. e or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on your card or billing statement. Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account. You may be liable if there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than 550.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identify for us the unauthorized charges from which you received no benefit. We may require you to provide us information in writing to help us find out what happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic debitthat will be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked "paid in full" or with a similar notation or that you otherwise tender in full satisfaction of a disputed amount (conditional payments), must be sentto us atthe conditional payments address listed on your monthly statement. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may acceptthe payment and you will still owe any remaining balance. We, use to accept any such payment by returning it to you, not cashing 41 d it. All other payments that you make should be sent to the regular pa wn on your monthly statements. We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the coll sendi ng the ly by electronic che bank nt.wi h he check, routing a d account numberslto your bank. Your bank amount nt along receive your payment. The account may be debited as early as the same day we original payment check will be destroyed and an image will be maintained in our records. payment due, as shown Minimum Payment: You agree to pay at least the minimum on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe us at any time. tl you have a balance that is subject to finance charges, the scone r 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 Sion or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: 510.00; 2% of the New Balance; or the sum of i% of the New Balance, total billed periodic rate finance charges, and any billed late and overlimit fees. As part of the minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits t a way that is most favorable andlcredits to balances with lower APRs (such authorize us to apply your paym as promotional APRs) before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at anytime. We may reduce the amount of any credit balance by the amount of new charges or fees billed to your account. Automatic Charges: You may authorize a third party to automatically charge your and insurance premiums). if transactions automatic l example, aaret stopped for any reason Including because your account is closed or suspended for any reason) or your account nand otPequi9edtoecharges number changes, you are responsible fornotttiieingthebiller directly, If your account number changes, V. but are your new account number chargesthatyou authorizedtobe billedtoyour old account number. Promotions: From time to time we may offer special terms for your account. we do, we will notify you about the terms of the offer and how long theywill be in effect. Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates es and ("APRs') and the corresponding daily periodic rates are listed an he Rat et the Fe ly Table that is at the end of this document or provided separately. periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. variable Rates. EIM8 OF MGF . APBs that Ito ouraccountmayvary with changes to the Prime Rate. When you have an APR that varies wr Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journal two business days before the Closing Date shown on your billing statement. The "Prime Rate' is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall SrreetJournal If The Wall StreerJournal stops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A *margin" is the percentage we add to the Prime Rate to calculate the APR. A "business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, if any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown n y u ^billlithat Prime Rafe we get what the Prime Rate is. We then add the applicable margin the APR. The daily periodic rate is calculated as described above. II our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which hwe maee the calculation. If the daily periodic rate increases, you will have to pay a g finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the minimum payment due by the date and time due. • You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. If any of these events occurs, we may increase the APRs (including any promotional APR) on all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the 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 he defauldefault rate will take effect as of occurs. c edit reports obtained frocycle m cr ndit which bureaus. 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 in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced deiault rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotionl. These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdraft advances only if you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subjecttD a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, it applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a new cash advance check transfer check or balance to the check or balancetransfer check is deposited by a payee. date a h later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge slated in the Rates and FeesTable. II i[ is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. For each eategorywe calculate an average dailybalance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average dl it the number a category y e app r of days in the billing cycle, the total will equal the periodic finance charges fort at balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, orfinance charge fromthe date it is added toyour 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 payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due.This exception or•grace period' applies only to purchases and does not applyto balance transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction tee for the payment. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may charge you a balance transfer fee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may and Fees Table. These following will be added to the balance efofees re ste in the r purchases made during the billing cycle. Annual Membership Fee: 11 your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether or not you use your account, and you agree to pay it when billed.The annual CMA12762 Pane 7 of 6 mem be se of thedatefwedmailyourti lling notify us that h the an lnuaImembe ship iinttersta ercommerceha drsthall be gove nedtby and be enforceablleaunderithe Fedeiral fie is char r y,ged and atthe sometime,you pair outstanding balanceinfull. Your payment Arb1trationAct(the"FAA"),9U.S.C. 11-16 as itmay be amended. This Arbitration Agreement circu fee is y forththe cedures of the annual membership fee does not affect our right to close your liityDur barresolved by orb trationeinstead of being I tigated nhcourtleims (as defined below may right make transactions on your account. if your account is closed you or willco ntinuetochargetheannualmembershipieaunlilyoupayyouroutstanding balance PartiesCovered.forthepurposesolthisArbitretionAgreement,'we","us", and"our aso includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and any purchaser of your Account, and all of their officers, directors, employees, agents, assigns time it is due as shown on your billing statement for any billing cycle, we may charge the and assigns or or any and all of them. Additionally. "we ; "us" and "our' shall include any third late fee shown in the Rates and Fees Table. H the ate fee is based on a balance, we party providing benefits, services, or products to connection withthe Account )including co panes, prrograms and enrollment services,ncreditinsuranceIssued the a alance on the current month's prior the Account, trewardscredit the New Balance shownaon ttherprri but n calculate the late fee. This balance is Previous shows the la lae month's statement for which we did not receive at least the required minimum payment debt collectors, and all 01 their officers, directors, employees, agents and representatives by the date and time it was due. if, and only if, such a third party is named byyou as a co-defendant in any Claim you assert against us. Overlimit Fee: 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. We may charge this fee Claims Covered. Either you or we may, without the other's consent, elect mandatory, arbitration eft even ii your balance is overthe credit line because of a finance charge orfee we imposed binding arbitration of any claim, dispute or controversy by either you or us against the or transaction we authorized. We will not charge more than one overlimit fee for any other, oraga e employees, parents, subsidiaries, affiliates, beneficiaries, agents or billing cycle. But we may charge an overlimit lee in subsequent billing cycles, even it no assigns of the other, arising from or relating in any way to the Cardmember Agreement, new transactions are made on your account, it your account balance still is over your any prior Cardmember Agreement your credit card Account orthe advertising, application ent,y credit line at any time during the subsequent billing cycles. or approval of your Account m'1. This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, Return Payment Fee: other If Ja) your payment check or similar instrument is not honored, Ih) common law, constitutional provision, or any legal theory of law such as respondeat or nt cisannot return be ed prounpaid,cessed, or (cl we we may must charge a return superior, or anyotherlegal or equitable ground andwhether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject a an payment caticheck debit because eit is not lectronic signed payment return payment fee. to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer Agreement orthe validity of the entire Cardmember Agreement or any prior Cardmember check atyour request, or (blwe refuse to pay a cash advance check orbalance transfer Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise check, we may charge a return check lee. in the present or the future. As used in this Arbitration Agreement, the term Claim is to Administrative Fees: If you request a copy of a billing statement, sales draft or other adest possible meaning. record ()I your account or it you request two or more cards or any special services (for be Claims given n the e bro broarbitration include Claims that are made as counterclaims, cross claims, subjto example, obtaining cards en expedited basis), we may charge you for these services. third party claims, interpleaders or otherwise, and a party who initiates a proceeding in However, will not charge you for copses of billing statements, sales drafts or similar court may elect arbitration with respect to any such Claims advanced in the lawsuit by documents t hatyourequestlorabillingdisputeyoumayassert against us underapplicable Ales. an party or paexception this Arbitration Agreement, you retain the right to pursue in a small law. We may charge, for any services listed above and other services we provide, the any fees from time to time in effect when we offer the service. claims court any Claim thatis within that court's jurisdiction and proceeds on an individual DEFAULT/COLLECTION basis. If a party elects to arbitrate a Claim,the arbitration will be conducted as an individual We may consider you to be in default if any of these occurs: action. Neither you nor we agree to any arbitration on a class or representative basis, We do not receive at least the minimum amount due bythe date and time due as shown and the arbitrator shall have no authority to proceed on such basis. This means that even on your billing statement. if a class action lawsuilor other representative action, such as that in the form of a private You exceed your credit line. attorney general action, is filed, any Claim between us related to the issues raised in such You fail to comply with the terms of this agreement or any agreement with one of our lawsuits will be subject to an individual arbitration claim if either you or we so elect. related companies. No arbitration will be consolidated with any other arbitration proceeding without the We obtain information that causes us to believe that you maybe unwilling or unable to consent of all parties. The only Claims that may be joined in an individual action under pay your debts to us or to others on time. this Arbitration Agreement are (1) those brought by us against you and any co-applicant. You life for bankruptcy. joint Cardmember, or authorized user of your Account, or your heirs or your trustee in You become incapacitated or in the event of your death. bankruptcy or (2) those brought by you and any co-applicant, joint Cardmember, or if we consider your account to be in default, we may close your account without notice authorized user of your Account, or your heirs or your trustee in bankruptcy against us. unpaW balance immediately. We also may require you to pay Initiation of Arbitration. The party tiling a Claim in arbitration must choose one of the u 021311- nation admin's4aw 0 owing Association; or National and I U4 interest the rate of =,J ercent (2%) a month on trio unpar your account to be six or more billing cycles past due. Arbitration Forum.These administrators are independent from us.The administrator oes To the extent permitted by law, if you are in default because you have failed to pay us, not conduct the arbitration. Arbitration is conducted under the rules of the selected you will pay our collection costs, attorneys' fees, court costs, and all other expenses of arbitration administrator by an impartial third parry chosen in accordance with the rules enforcing our rights under this agreement. of the selected arbitration administrator and as may be provided in this Arbitration CLOSING YOUR ACCOUNT Agreement. Any arbitration hearing that you attend shall be held at a place chosen by You may close your account at any time. If you call us to close your account, we may the arbitrator or arbitration administrator within the federal judicial district in which you require that you confirm your request in writing. reside at the time the Claim is filed, or at some other place to which you and we agree in We may close your account at any time or suspend your credit privileges at anytime for writing. You may obtain copies of the current rules of each of the two arbitration and mation as follows tructtons for adm your law. , and ins account, we will notbe liable to youefor4any consequences rcabl esulting frlom closing your n t aitingrarbitrationrby conta about ng theiarbitrati on administrrbitration any reason without rior note account or suspending your credit privileges. American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY It you or we close your account, you and any authorized users must immediately stop 10[17-4fi0 , site: n Fo udr.org ox 601919;Minneapolis, MN 55405, Web site: using your account and destroy all cards, checks or other means to access your account w? arbitration-tion Foru,.a, P.O. Box 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 Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve be required to pay the outstanding balance on your account according to the terms of Claims.The arbitratorwill eitherba a lawyerwith at leasttan yoars experience or a retired this agreement. In addition, to the extent allowed by law, we may require you to pay the or former judge, The arbitration will be conducted under the applicable procedures and outstanding balance immediately or at any time after your account is closed. rules of the arbitration administrator that are in effect on the date the arbitration is filed ARBITRATION AGREEMENT unless those procedures and rules are inconsistent with this Arbitration Agreement, in PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY which case this Agreement will prevail. These procedures and rules may limitthe amount BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO of discovery available to you or us. The arbitrator will apply applicable substantive law TO COURT. YOU WILL BE TO B A REPRESENTATIVE ACTIONOIN COURTLSUCH ASITHAT IN THE FORM OF A R PRIOTHER VATE privlegen r cogs zed at law. You may choose statutes to have athlearing and be represelnted by ATTORNEY GENERAL ACTION, NOR YOU BE ABLE TO ARBITRATION AS A CLASS ACTION RI OTHER REPRESENTATIVE BRING ACTIION. YOU CLAIM WI L and-other h confidential informationo nctl ud ng the use of protective orders ltoop ohibit NOT BEABLETO BE PART OFANY CLASS ACTION DR BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTON OR OTHER have the power outside to r award irtola parry any damages or a herrurelief providedilortunder REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU applicable low, and will not have the power to award relief to, against, or for the benefit award npuni punitive damages attor ey If fees. The arbitrator r authorizes N will make any AND WE MAY OTHERWISE HAVE COURT, BEFOREA JUDE ORJURDY,AA RIGHT OR OPPORTUNITY TO BRING CLAIMS of ND/ORTO PARTICIPATE OR BE REPRESENTED arbitratorwho IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER award in writing but need not provide a statement of reasons unless requested by a party. REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT Upon a request by you or us, the arbitrator will provide a brief statement of the reasons TO A COURT, SUCH AS DISCOVERY DR THE RIGHT TO APPEAL THE DECISION MAY BE for the award. reimburse you for the initial arbitration tiling fee paid by you up to the MORE LIMITED. EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Costs. amount We 55ll upon receipt of proof of payment. Additionally, a there is a hearing, we CMA12752 Paoe 3 of 6 will pay ahy tees of the arbitrator and arbitration administrator for the first two days ent of any such hearing fees by i l ll TELEPHONE MONITORING AND RECORDING and al ith our agents our may do so, whether youlorNwe and if applicable, ourtagentso and ai e Y ree tha twe u n o to this Arb trat of that hearing. The pay ursuant to the arbitration administrator selected by you or us p iththe rules of the arbitration i , g ou initiate the telephone call. s ng w name lees will labe allocated in keep ad fees w. However,we will advance or reimburse filing administrator ator and applicable good arbitrator determines there is tor t i i INFORMATION SHARING share certain information aboutyou and your accountwithin our us to authorize You our family of companies including any id t n ra n s and other tees it the arbitration adm cause so oryou ask us eason for requiring us to d costs of thatdpartY s e s and with others ou companies, family of company or organization whose name or mark mayappear onthe cards, as permitted i an r will bear the expense of hefees an for doing so. Each party dexpenses, loregardless of w elow} other nts docume and except that the witnesses, rts, experts, ttorneys d b ve by law. Our Privacy Policy, which is provided to you when you first rece reement and atleastonceeach calendar year thereafter, describes ourinformation a ut b i , mitte p.r , appeal (es alas e permitte and any and any arbitration for party a prevails, any applicable law in determining whether a a party should l ll g o ve us a sharing practices and the choices you have and directions you may g f information about you and your account with companies or i app y arbitrator sha recover any or all fees and costs from another party. Failure or any delay in enforcing this Arbitration l ng o our shar organizations within and outside of our family of companies. ERS s. Enforcement, linality, appea Agreement atanytime, orin connection with any particular Claims, Will not C Dnstitute uire arbitration at a later time Orin connectionwith any d ILLINOISCARDMEMB Illinois law provides that we may not share information about you with companies f our family of companies unless you authorize the id a waiver of any rights to req other Claims. Any decision rendered in such arbitration proceeding will be final an nless a party appeals ie tothe arbitration organization i ti e o or other organizations outs the our falls transa under ctions or another in exception response in to a the law (such or unless ess disclosure osure discl subpoena). es, u on binding onthe part within 30 days of issuance of the award. The appeal al must request new arbitra tral arbitrators designated by the same arbitration y to proc information ring as sha you hereby agreethat,ityouchoose nottoexercisetheapplicable optoutdescribed med to have authorized us to share personal d b before a panel of three neu organization. Thep Int a proreconsider all and ceeding usinfg atsinlgle arbitrator, and make decisions roceeding l d ee e in our Privacy Policy, you will information we have about you (including information related to any of the products of our companies) with companies or other ith an o y p same rules that app based will bear their own fees, costs an the vote of the majority. Each party costs and expenses or all fees n y or services you may have w organizations outside of our family of companies. , y expenses s for any appeal, but a party may recover a from another party, if the majority of the panel of arbitrators, applying applicable ill be enforceable as provided by the i ENFORCING THIS AGREEMENT an delay enforcing or not enforce any of our rights underthis agreement without W on w law, so determines. An award in arbitrat FAA or other applicable law by any court having jurisdiction. hall survive: li? termination or t e c losing our right to enforce them in the future. If any of the terms of this agreement found to be unenforceable, all other terms will remain in full force. s Severability, survival. This Arbitration Agreemen changes in the Cardmember Agreement, the Account and the relationship between such as the issuing of a new account number nt are ASSIGNMENT AS AS may assign your account, any amounts you owe us, or any of our rights and account, any h ow , you and us concerning the Accou balance in the Account to another account; be the the of erring transferring the or u proceeding initiat I n o similar an i e person to whomwe make t a third party.The obli abyons s underthis agreementio assignment will be entitled to any of our rights that we assign to that person. f a y on of this bankruptcyof any party or ort in lull b you or by a third party. . any p full by ebt the d of payment iii) nd ( a t is deemed invalid or unenforceable, the remaining portions GOVERNING LAW MSAND ENFORCEMENT OFTHIS AGREEMENTANDYOURACCOUNT$HALL Arbitration Agreemen shall nevertheless remain in force. BE GOVERNEDAND INTERPRETED IN ACCORDANCEWITH FEDERAL LAW AND, TO THE LAW OF DELAWARE, WITHOUT REGARD E LAW APPLIES CHANGESTO We can change THIS AGREEMENT any time, regardless of wh s agreement rovision. Our right access can change thi n i , THE EXTENT STAT TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND WILL APPLY NO MATTER WHERE YOU LIVE OR USE NT ARE LOCATED to eti p by addin, astheAPRs and fees, y such to your account, ovisions includes financial terms, a or modify p p cement of the rights and delete f , YOUR ACCOU THE ACCOUNT. , or and other terms such as the nature, extent, and en have relating to this agreement. Modifications, additions, ma FOR INFORMATION ase call the Cardmember Service telephone number on your card or billing Pl y or deletion or we s are called "Changes' or a "Change". deletion e if required by applicable law. These Changes may Chan f i h e statement if you have any questions about your account or this agreement. G RI LIN R W g any t We will notify you o be effective with notice only, at the time stated in our notice, in accordance w Unless we state otherwise, any Change will apply to the unpaid w l bl For Future Use Notice This YOU ontains important information aboutyour rights and our responsibilities i . a e applica balances on your account and to new transactions. ibe any rights you may have with respect to any Change, and i ce c This not under the Fair Credit Billing Act. Of Errors Or Questions About Your Bill ce The notice will descr the consequences it you do or do not exercise those rights. For example, the not notify us in writing by a specified date if you do notwant to d Notify Us In Case II you think your bill is wrong, or it you need more information about a transaction sheet at the Cardmember Service address shown t 0 o not a n thar you may crate that ynu may accept certain Changes are making. n yua r ac cept the Changes, your account may may be clos losed (it it is not already closed) and you der the applicable terms of the e 11 ,urirn us one separa 011 a'n ' on your billing statement. Write to us as soon as possible. 'nat>-rtrosriTe4rirem Vey no later than 60 days after we sent you the first bill on which the error or problem will be obligated to pay your outstanding balance un you orit notice, the stated in date tif appeared. You can telephone us, but doing so will not preserve your rights. i be will you notice, the y account after the the e dial date stated in us ement. but If you then do use not your no notify agreement. es in the notice and to accept and confirm all terms of ll Chan f on: In your fetter, give us the following informat " number. account nd your name a g deemed to accept a your agreement and all Changes in prior notices we have sent you regardless o t The dollar amount of the suspected error. , if you can, whyyou believe there is an error. If you explain error and the Describe . whether you have access to your accoun need more information, describe the item you are not sure about. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit If you have authorized us to payyour credit card bill automatically from your savings you can stop the payment on any amount you think is wrong. count ki bureaus and others. We may report information about you and your account to credit bureaus, including l cards on your account for i i , ng ac or chec To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. ona t your failure to pay us on time. If you request add others, we may report account information in your name as well as in the names of Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the other people. those orted inaccurate information to a credit bureau, you may either correct the error or explain why we 90 days, we must Within then. by error If you think we have rep write to us at the Cardmember Service address listed on your billing statement. account number, telephone number and a brim ddress correct. bill was the believe receive your letter, we cannot try to collect any amount you question, or After we rec uestion ou t let c , Please include your name, a _ description the problem. If available, please provide a copy of the credit bureau investigate the matter and, if our investigation tl , q y We can continue to bill you for the amoun delinquent. report you your credit ainst unt ag amo unpaid any apply ca n we and , ges char nance fi including t b your o r y report in question. We will promp shows that you are right, will contact each credit bureau to which we reported ct the report. if we disagree with you after g, u are fnvest pay any questioned amountwhile line. You d not have stion. que not fn ra bill that e your of a rts the p ay o p to obligated still ne are u the un ig tiand will reqqu uest they corre v est will tell you fn writing or by telephone. will also notify the e our i te the information unless you let t u us know that you no di yo find that we made a mistake on your bull you will not have to pay any finance H questioned amount. II you didn't make a mistake, you may charges related to any bu r t au that spu credit bureau y you longer dispute the information. INFORMATION PERSONAL OF have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount noticestoyou at the address shown ents and other billing statem WeN will send cards, e if this is a joint account, we can send billing statements and notices to all of in our files. Or idered notice and the date that it is due. you If you owe a anpaythe a that ithatwe thinkyou owe,we may reportyou as delinquent. fail to mourit does not satisfy you and you write to us within 10 days ti l e, , , name your of ccou you nt will holder. remain Notice obligtoated one of the you accwillount nt. If you cons you to any joint account r or email address (ii you b on ana However, if our exp telling us that you still refuse to pay, we must tell anyone we report you to that you we must tell you the name of anyone we reported And our bill t b e ephone num business telephone or cellular home, you must notify us u n other or statements billing at eive may , rec We elect to statement. Y billin , . ou y have a question a YOU to. We musttell anyone we report you to thatthe matter has been settled between stel ll shown on your address fromyo the writing at rthe ce ervi . S immediately in g United States Postal ctions rre address Co ailin t i s. y when it fina If we don't follow these rules, we can't collect the first S60.OD of the questioned g m on, ep cc option, a our We may contactyou aboutyour account, including for customer service or collect at any address or telephone number as well as any cellular telephone number you amount, even if your bill was correct. Special Rules for Credit Card Purchases provide us. CMA12762 o?- o a of fi 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. This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address: and (b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed youthe advertisement for ilia property or services. Copyright 02007 JPMorgan Chase & Co. All rights reserved. o?^e c n F CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bankcard Services Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. (Sign re) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor F1LE~-~; r !C~ ~~ ~~i' y ~J A~~ ~~ ~J~ FEN~vSYt~V~P~IA Chase Bank USA, N.A. Case Number vs. 2010-5520 William B. Zelner SHERIFF'S RETURN OF SERVICE 09/08/2010 01:29 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on September 8, 2010 at 1329 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: William B. Zelner, by making known unto Jennifer Zelner, Daughter-in-Law at 219 W. Dauphin Street, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. `~ ~ _- NOAH CLINE, DEPUTY SHERIFF COST: $41.50 September 10, 2010 SO ANSWERS, -~..,.z RON R ANDERSON, SHERIFF William A. Addams Attorney at Law 43 W. South St. Carlisle, PA 17013 Supreme Court I.D. # 06265 717-243-7638 Plaintiff Cumberland County Pennsylvania vs WILLIAM B. ZELNER, Defendant SIR: No. 10-5520 Civil Action Law Please enter my for the Defedant in the above captioned matter. TO: DAVID D. BUELL, Prothonotary DATE: September 29, 2010 Wi iam ddams, Esquire C3 ?o .... r Fri r n :z --j -ID _ .wry - rl -1 s 7 -_,,.• William A. Addams Attorney at Law 43 W. South St. Carlisle, PA 17013 Supreme Court I.D. # 06265 717-243-7638 Plaintiff vs WILLIAM B. ZELNER, Defendant Civil Action Law 1. Admitted. 2. Admitted. 3. Admitted. F1L.ED-O~F(CE C~ Trt~ ~~~f~T~~C~CT~,R' 2~1~ ~C ~ ~? Ps~~ 3~ ! In the Court of Common Pleas of Cumberland County Pennsylvania No. 10-5520 ANSWER 4. Admitted in Part /Denied in Part. Defendant admits to using the card but is without sufficient knowledge to form a belief as to the truth of the remaining averment. 5. Denied. Defendant has made payments and the terms of the Agreement speaks for itself. 6. Denied. The Plaintiff has failed to attach documentation to the complaint which supports the averment. After reasonable investigation the Defendant is without sufficient knowledge to form a belief as to the truth of the averment. 7. Denied. The Answer to Paragraph 6 is incorporated herein by reference. 8. Admitted in Part /Denied in Part. The Answer to Paragraphs 4 and 5 are incorporated herein by reference. WHEREFORE, Defendant respectfully requests the Plaintiff's complaint be dismissed. , William A. Addams Attorney for Defendant Dated:Octobera~~ 2010 VERIFICATION William A. Addams hereby verifies that the facts set forth in the foregoing compliant are true and correct to the best of his knowledge, information, and belief. I understand that false statements herein made are subject to the provisions of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. ~~ ~ Date: October °~~ , 2010 William A. Ad ams s CERTIFICATE OF SERVICE The undersigned hereby certifies that on this the 7TH day of October, 2010, a true and correct copy of the Defendant's Answer was served via first class mail upon the following counsel: James C. Warmbrodt Weltman, Weinberg & Reis Co, L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburg, PA 15219 William A. Addams Attorney for Defendant 43 W. South Street Carlisle, PA 17013 717-243-7638 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, VS. WILLIAM B ZELNER, Defendant. Case No.: 10-5520 CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. I.D.#93598 c-) o Weltman, Weinberg & Reis, Co. 3 -° 1400 Koppers Building 1co c- =-n 436 Seventh Avenue - 70 r -? Pittsburgh, PA 15219 7 7 0 0 (412) 434-7955 _ o = .., _ - o rn =c z? an rn -? o WWR No. 8493317 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, Case No.: 10-5520 CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT WILLIAM B ZELNER, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $8975.54 with interest at the interest rate of 6.00% per annum from July 30 2010, Attorneys Fees of $300.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around November 26 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he has made no payment on the credit card since WWR No. 8493317 February 2120 10; that he applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; that he has not submitted any written disputes as to billing inaccuracies; and that $8975.54 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $8975.54 with interest at the legal interest rate of 6.00% per annum from July 30 2010, Attorneys Fees of $300.00, and costs. Respectfully Submitted: By: _A U BenjVKoers ler, Esquire Pa. I.Weltberg & Reis, Co. 1400 uilding 436 Seve nth Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 8493317 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: vs. WILLIAM B ZELNER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08493317 C J Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. Civil Action No WILLIAM B 7ELNER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within. twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD-TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 . 2. Defendant , is adult individual(s) residing at the address listed below: WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA, PA 17025 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX3680 4. Defendant made use of said credit card and has a current balance due of $8975.54 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 . 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment against Defendant , WILLIAM B ZELNER , INDIVIDUALLY , the amount of $8975.54 with continuing interest thereon at the statutory rate of 6.000. per annum from July 30, 2010 , plus attorneys fees of $300.00 and costs. James C. a ro t,42524 WELTMAN, W INBERG &'REIS CO., L.P.A. 436 Sev t Avenue, Suite 1400 08493317 C J Pit SJS Pittsbu gh PA 15219 (412) 4- 955 FAX: 4 2- 38-7130 This law firm is a debt collector attempt to collect this debt for our client and any information obtained w l be used for that purpose. Payment Due Date New Balance Past Due Amount Mlnilnum Payment e= 0527M0 58,975.54 5700.00 5959.00 CHASE 12 Account number: 3680 s ?? Wake your check payable la: Chase Card Sarvias. Please weds amount enclosed. New address a e-maa? Pnnt on back. 42668411826636800009530000897554000000000000004 461260FX2 12210C WILLIAM 1AUPHHIN ST ENOLA PA 17025.2210 L,LIEIII,.L.Idldadtrrrl,blydl,ld.rrll,dd.rdl,111,r1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 1, a 3680211/ ??? l Manage your account onana: Additional contact Information L L)wmio rNC(edk Ards conveniently located on reverse We ACCOUNT SUMMARY Account Number: 680 Previous Balance S8,811.31 Fees Charged -S39.00 Interest Charged -S125.23 New Balance 58.975.54 Opening7Ctosing Date 04103110 .05=10 Total Credit Line 50.600 Available Credit So Cash Access Line S1.720 Available for Cash S0 PAYMENT INFORMATION New Balance 58.975.54 Payment Ole Date 05r2TI10 Minimum Payment Due $953.00 Late Payment warning. lfwedo not receive your minimum payment by the date listed above. you may have to Pay up to a S39.00 big fee and your APRs wil be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Warning: 8you make only the minimum payment each period, you will pay more in interest and It will take you longer to pay off your balance. For example: If you would ale Information about credit counseling services. call 1-066-797-2855. It you make no You will pay off the And you will end up additional changes balance shown on paying an estimated using this card and dots statement in total Of... each month you about- Pay.- Only the minimum 32 years 522.751 payment 5321 3 years $11,565 1 1 (SsvkrWzS1 1. 186) 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 fleck on track. Cali 1-800.955.8030 (colecl 1302-594-OM) today. Important Message: You Are Ovedimit! Your statement balance exceeds your credit line. You should make a Payment that kxdudes the overamil amount to bring the balance under your credit fire. FLEXIBLE REWARDS SUMMARY f Previous Points Balance 0 Thank you for using the Veda card that earns Points Earned on Purchases This Period 0 rewards Met can be used for travel. gift conk. Points Earned Through Chess Rewards Piers 0 Cash. or merchandise. Remember. you can New Total Points Balance 0 earn pours by using your Flexible Rewards Total Points Unavailable for Redemption 6.272 credit card for everyday purchases like groceries. gas. and drugstore purchases. 110 Points to expke on statement on or after ANGUST. 2013 Your Chase Flexible Rewards credit card gams 1 point for every $1 you spend on purchases. Earn up to an additional 10 pants v"a shopping online through www.chsse.comlrevrardsplle. Add aulborimd users. and sign up to have your monthly bias charged to yaw card, too. Why not got rewards for all time purcheses too? Ifs that simple. Simply go clase.oom/rewards to choose your reward today! Redeem your points anytime. orjual check out new offers at www.chase.rwmhewards. - ACCOUNT ACTIVITY Dale of Trmsaclfon Merchant Name or Transaction Description S Amount WRA 04/27 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD WI«.`y.?1,6un?:n:sr+.fs 'v1 R,hasrl>:e,,.r,trt05102 W PURCHASE INTEREST CHARG£ OSM2 PURCHASE INTEREST CHARGE 84933170"2 CASH ADVANCE INTEREST CHARGE 05702 BALANCE TRANSFER INTEREST CHARGE S39.00 .6'2 62.41 30-SD 11.70 S125.23 TOTAL INTEREST FOR THIS PERIOD This Statement Is a Facsimile - Not an original moot r"Im35 C3 660 N Z 02 tam= Pap l oft 06286 MAMA 46126 12210mm70004612WI Xam EXHIBIT Address Change Request Please provide Information below only if the address inhxmation on front is incorrect Street Address: ------------ City: State: -- zw: ----- --- Home Phone: _-- --- ---- Work Phone: _--- ---- ---- E-maa Address: - -_____--__-____.__----- 8493317 To contact us regarding your account: By Tdephohr: © In U.S. 15.4016 FG?1 espanol 1$88446.33oa Bond Ihquirles lo: MaN Payments I.., Vhtlt Our Websfta. 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N M PaA, Y WatlaR you oww .nacpeMaadyp de rswYNaaYaaM rw adMgrd- W42mm Statement Dale: 04703110.05702710 Account Number: 460090MOM3680 Page 2 of 2 Total fees charged in 2010 5756.00 Total Interest charged in2010 5493.72 Year-lo-date totals re0ed all charges minus orry refunds applied toyour account on or after January 31. 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days in Cycie interest Rate Charges Charges Purchases 15.99%(v) S4,748.68 562.41 50.00 Purchases 7,5.99%(v) S47.15 S6.62 50.00 Cash Advances 19.24% (v) 53.193.27 550.50 50.00 Cash Advances 19.24% (v) 50.00 50.00 50.00 Balance transfer 15.99% (v) SM,32 511.70 50.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Ablice, How to Avoid Interest on Purchases, and other important inrormatton, as applicable. 8493317 This Statement is a Facsimile - Not an original XQQW0o1 PISM35C3 am N 2 02 loom P0P2.12 06254 h%W 46125 122=01030004612602 Cardmember Agreement CMAI2762 ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card accountwith us referenced on the card carrier Containing the card for this account. Any use o1 your account is covered by this agreement. Please and charge your entire account for oil t ansa cions made on your ac e count. You prom se to pay us for alt transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even it the account is used by only one of you. We may require that you pay the full amount owed without first asking the other persons) to pay. agreement Please sign the backolyoureard ouh use your account lot any purpose, evten if you don t you Soranyone authorized by by Sign your c ord. Whetheryau use your account or not,you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. ., Throughout this agreement, the words'we , "us' and "our mean Chase Bank USA, N.Aall the issuer of your credit card and account. The words'you "your aner t a a died persons responsible for complying with this agreament,includingthep PP for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word -card' means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain creditunder this agreement. USING YOUR ACCOUNT Your account is a consumer account and shalt be used only for personal, (amity or household purposes. Unless we agree or it is required by law,we will not be responsible for merchandise or services purchased or leased through use of your account. You promise louse your account only for valid and lawful transactions. For example, interfiet gambling maybe illegal in some places. his not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying fora transaction even if it is not permissible or contemplated underthis agreement. Types of Transactionr. Purchases: You may use your card to pay for goods or services. Checks: We may provide you cash advance checks or balance transfer checks as a c Way to Use Your You may use a check to pay for also goods or servi e r s,tt transfer alances to your account, You we allow. w. But you may not use these cheeks to transfer balances to or for r other a other uses s we to this account Irom other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We may treat checks thatwe call convenience checks as balance transfer checks. However, checks indicated that we call convenience checks and that we fore shadvances may be treated as cash dvancesandassessed cash advance rates and fees. • Balance Transfers: You may transfer balances fromotheraccounts of loanswilhother me d it ot: nthpf lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account rom 511- of our reted available credit fine, we may process a apartal balance transfer uprto wil) your cavailable requested credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers lottery currency, money orders, wire transfers or similar cash-like charges; or to obtain tickets, casino gaming chips, race trackwagers or for similar betting transactions. You may also use a third panyservice to make a payment on your behalf and bill the payment to this account Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing cycle. In orderto manage your account, we divide time into periods called "billing cycles'. Each billing cycle is approximately one month in length For each calendar month, your account will have a billing cycle that ends in that month Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Auiborized Users. if you allow someone to use your account, that person will be an authorized user. You may request an additional card the cuse redrti port authorized ofthatauthorized your account llyoudoso,ibis account may pp anonetobecomeanauthorizeduser user. You should think carefully before allowing Y because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on y a acounaaccording to the terms of this agreement. This includes your responsibility for Paying charges an your account made by an authorized user You must notify us to terminate an authorized user's permission to use Yom account. It you notify us,we mayclose the account and/or issue a new cCrdds, checks or anyferent account number, You should also recover and destroy any other means of access to your account from that authorized user. also referta the Credit tine:Your credit line appears on your billing statements. We may a credit line as a credit Omit. Your billing statement may also show That only a portion of your credit One may be used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credo line, and all other transaciftmS are ~gad against your credit line. You are responsible for keeping track f!W7of5 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason,we may charge you an overfimit lee as described in this agreement We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At our discretion,we may increase, reduce, or cancel your credit fine, or the cash advance portion of your credit fine, at any time. However, if you have asked us not to do so, we will not increase your c redit line. A change to your credit line will not affectyour obrrgation to pay tm international Transactions. International transactions include any transaction that you make in a foreign currency or thatyou make outside of the United States of America even if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa international or MasterCard international, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate to clt 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 elf ect on the applicable processing date. The rate in effect on the applicable processing date may differ from the rate on the data you used your card or account. We ressrvo the right to charge you an additional3% ofthe U.S. dollar amount of any international transaction, whether that transaction was originany made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% Will be calculated on the U.S, dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. 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 H 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 online transactions. Refusal to Pay Checks: Each checkyou write is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies is the payee on the check. Your credit line or cash advance portion of your credit One has been exceeded, or would be exceeded it we paid the check. • The check is post-daied.If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. You have used the check after the date specified on it. • You are in default or would be if we paid the check. Lost or Stolen CaTdsCitecks or Account N or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on your card or billing statement Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found of returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account You may be liable if there is unauthorized use of your account from which you receive no benefit, bui you will not be liable for more than S50.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identify torus the unauthorized charges from which you received no benefit. We may requireyou to provide us fnlormatlon in writing to help us find out what happened. We may also require you to comply with certain procedures in connection with our investigation. PAYMENTS Payment instructions, Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial instituton using a payment check, money order or automatic debit that win be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment Any payment check or other form of payment which you send to us for less than the full balance that is matted "paid in fuir or with a sim0ar notation or that you otherwise tender in fun satisfaction of a disputed amount [conditional payments), most be sent to us at the conditional payments address listed on your monthly statement, We reserve all our rights regordhrg such payments. For example, if it is determined there is no vartd dispute or it any such payment is raceived at any other address, we may accept the payment and you will AN owe any remaining balance. We use to accept any such payment by returning It to you, not cashing it All other payments that you make should be sent to the regular po on your monthly statements. We reserva the right to electronically Collect your eligible payment checks, at first presentment and any represeniment, from the bank account onwhich the check is drawn. our ieceipt of your payment checks is your authorization for us to collect the Ii we decide not to increase your APR even though there is a default or it we do not the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronic ally by sending the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment. The original payment check will be destroyed and an image will be maintained in our records. hown Minimum Payment: You agree to pay at least the minimum payment due, as ss dive. on your bifling statement, so that we receive it by the date and time payment You may pay more than the minimum payment doe and may pay the foil amount you owe us at any time. If you have a balance that is subject to finance charges, the sooner you pay us, the lessyou 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 S)0.00 or less, your minimum payment due wig be the New Balance. Otherwise, it will be the largest of the following:SIB.00; 2% of the New Balance; or the sum of 1%of the Now Balance, . As tarot billed pir lc rate due.we also add any amount pastdue and anyfamount part of the minim imum payment over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits t a way tlts most oandicredits to balances with lower APRs (such authorize ustaapplyyour payments as promotional APRsibefore balances with higher APRs. credit balance at any , , e may Credit Balances: You mayrequest a refund of reduce ttheamount ot nyc credit balance by he ? amount of new chargestorfeesbilled to your account. Automatic Charges: You may authorize a third party to automatically charge your ac count for repeat transactions (for example, monthly utility charges, memberships and insurance premfumsl• If automatic charges are stopped for any reason, fi account because your account is closed or Suspended for any reason) of y number changes, you are responsible for notifying the biller end payingthess charges directly. If your account number changes,we may, but are not required to, pay from your new a c count number charges that you authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account. we do, we will notify you about the terms of the offer and how long they will be in affect. Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates Table that n scat the end of this documentdor provided Iseparately. To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. an Ito our account mayvarywithchanges to the Prime Rate. When you have an APR t at varies with published in The Rate, we calculate the APR by adding a margin to the Prime Rate Wall Street Journaltwo business days belore the Closing Date shown on your billing statement. The Prime Rate' is the highest MS.) Prime Rafe published in the Money Rates section of The Wall Street Journal. if The Waff Street Journalslops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notic e. A `margin' is the percentage we add to the Prime Rate to calculate the APR. A business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which !ales, if any, are variable rates. It also fists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown onyourbiliing statement,we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. It the dailyperiedic rate increases, you wig have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rater- Your or any otter agreement Ryou l have with a t of any of our d related compao es for any of the following ressonr. We do not receive, far any ace unt or loan with us, t least payment mhn mum payment due bythetdale and time due. You exceed your credit fine on this account. bank. • You make a payment to us that is not honored by your e events occurs, we may increase the APRs (including any promotional it APR) anyofon all bthesalances (excluding overdraft advances) upto a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults on your account; other indications of your account usage and performance; information about your other relationships with is or any of our related companies; and information we obtain from consumer credit t reports day of the billing cycle credit n which the bureaus. Tdefault he default sate will take effect as of increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances an your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transaclionsl: We calculate periodic finance charges separately for each balance associated with a different category of transactions ifor example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion).These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic fiaante charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdiah advances only it you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges forpurchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for each category: We take the beginning balance for that day. We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add is new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. We subtract from that balance any payments, credits, at credit adjustments that • apply to that category and that are credited as of that day. We treat a credit balance as a balance of zero. To getthe beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. 11 more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the bgGng cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To getthetotat periodic finance charge lot the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rates and Fees Table, Il it is necessary to add an additional amount to teach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction tee finance charges. For each calegorywe calculate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the bilging cycle. If you multiply the average daily balance number a category yt eap of days in the bifling cycle, the total will equal the periodic finance charges fort at balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, ordnance charge from the date it is added to your daily balance until payment in full is received onyour account. However, we do not charge periodic finance charges on new purchases billed during a bung cycle it we receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your, previous billing statement by the date andtime your payment was due. This exception or'grace period' applies only to purchases and does not apply to balance transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, if applicable, Transaction Fees for Cash Advances: We may charge you a cash advance lee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, it you use a third party service to make a payment on your behalf and the service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the tee to the balance for the related category a$ of the transaction data of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may chargeyou a balance transfer fee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These tnnsecfion fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction tee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We maycharge the following fees. The amounts of these fees are listed in the Rates and FeesTable. These fees will be added to the balance for purchases made during the falfing cycle. Annual Membership Fee If your account has an annual membership fee, it will be billed each year or in monthly installments (as stated In the Rates and Fees Table), whether or not you use your account, a ndyou agree to pay it when billed. The annual, CMA12762 Pane 7 of 6 membership fee is non-refundable unless you notify us thatyou wish to close your account within 30 dayt: of the date we mail your billing stalemstandg which th e n fu:l membership payment fee is charged and at the same time, you pajryour of the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account. If your account's closed by you or us, we will continue to charge the annual membership tee until you pay your outstanding balance in lull and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it Is due as shown on your billing statement for any billing cycle, we may charge the late lee shown in the Rates and Fees Table, if the late fee is based on a balance, we calculate the late fee using the Previous Balance on the current month's statement that shows the late fee. This balance is the same as the New Balance shown on the Prior month's statement (or which we did not receive at least the required minimum p y by the date and time it was due. Overlimil Fee: tf your account balance is over your credit line at anytime during a billing cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee even if your balance is over the credit fine because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one overlimit its for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even it no new transactions are made on your account, it your account balance still is over your credit fine at any time during the subsequent billing cycles. Return Payment fee: I( (al your payment check or similar instrument is not honored. Ibl an automatic debit or other electronic payment Is returned unpaid, or Ic) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment lee. Return Check Fee: II Is) we stop payment on a cash advance check or balance transfer check at your request, or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Adminisits live Fees: If you request a copy of a billing statement, sales daft or other record of your account or if you request two or more cards or any special example, obtaining cards on art expedited basis), we may charge you for these services. similar Havuever, we will not charge you for copies of billing statements, sales dunder rafts or cable documents that you request lot abilling disputeyoumay seA against law. We may charge, for any services listed above and other services we provide, the lees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. You exceed your credit line. You fail to comply with the terms of this agreement or any agreement with one of our related companies. We obtain information that causes us to believe thatyou may be unwilling or unable to pay your debts to us or to others on time. You fife for bankruptcy. You become incapacitated or in the event of your death. If we consider your account to be In default, we may close your account without notice e immediately. We also may require you to pay and sequire you !a 10, 1 interest at the rate of two percent (2%) a month on the unpan your account to be six or more billing cycles past due. To the extent permitted by law, if you are in f a R because you ahave ll failed to expenses of you will pay our collection costs, attorneys' fees, enforcing our rights under this agreement. 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 lime or suspend your credit privileges at any time for any reason without prior notice except as required by applicable taw, If we close your account, we will not be liable to you tot any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your a ccount and destroy all cards, checks or other means to access your account or return them to us upon request. You will continue lobe 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. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT 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 OFTHIS ARBITRATION AGREEMENT, YOU IN NA OURT8EFDREAJUDGEORJURYAND/ORTO PARTICIPATE O BEREPRESEN ED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULDCHAVE IF YOU WENT TO APPL THE DECISION MAY BE TO A COURT, SUCH AS DISCVERY 09 THE MDRELIIMITEO.EXCE TASOTHERWSEROViI ED BLOW. THOSE RIGHTS AREWAIVEO. Binding Arbitration. This Arbitration Agreement is made pursuantto a transaction Involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act(the'FAAJ, 9 U.S.C. 41-16 as it maybe amended. This Arbitration Agreement sets forth the circumstances and procedures underwhich claims fits defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement,'we, •ue. end `our' also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns o(anyand all of them. Addition slly,'we",'us'and'oui shall include anythird party providing benefits, services, or productsin connection with the Account Gncluding but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named by you as a co-delendant in any Claim you assert against us. Claims Covered. Either, you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising Isom or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement, your credit card Account orthe 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, ton, common law, constitutional provision, or any legal theory of law such as respondeat superior, or any otherlegal or equitable ground and whether such Claims seek as remedies money damages, panalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the a pplicabilhy of this Arbitration Agreementorthe validity ofthe entire CardmemberAgreement 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 sub)ectto arbitration include Claims that are made as counterclaims, cross claims. third party claims, interpleaders or otherwtse, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any parry or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim thalis within that court's jurisdiction and proceeds on anindivldual basis. If a party elects to arbitrate a Claim,the arbitration will be conducted as an)ndividual 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 if either you or we so elect. No arbitration Will be consolidated with any other arbitration proceeding without the consent of art 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 12) 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 o wing - ssociation or National Arbitration fortmt.These administrators areindependentfromus,Theadrmmstralor does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administratorby an impanialthird party chosen in accordance with the rules of the selected arbitrairon 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 lees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-46D5, Web site: www.adr.org, 800-778-7879: or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbhralion-ioium.com, 800.474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitrator will either be a lawyerwith al least ten yoars experience or a retired or lormer 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 riled unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These procedures and rules may firrit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel.The erbilrator will take reasonable stepsin 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 refief provided for under applicable law, and will not have the power to award rebel to, against, or lot 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. Costs. We will reimburse you for the Initial arbitration lifing fee paid by you up to the amount of SSW upon receipt of proof of payment. Additionally, it there is a hearing. we CMA12762 Paoe 3 of 6 Will pay ahy tees of the arbitrator and arbitration a dministratorfot the first two days of that hearigg. The payment of any such hearing or us bvisua will b madeti ualioly pursuant id the arbitration administrator selected by you Agreement.All other fees will be allocated in keepingwiththe rules of the arbitration administrator and applicable law. However, we will advance or reimburse tiding lees and other lees it the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and wa determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's whi attorneys, experts, witnesses, documents end other expenses, regardless that the party prevails, for arbitration and any app f parinitled below). except 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 of any delay in enforcing this crbitration Agreement al a ny time, or in connection with any particular a waiver of any rights to require arbitration at a later lime grin connection with any other Claims. Any decision rendered in scarbitration to the proceeding arbitration be final and binding on the parties, unless a party appeals organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbttration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover anyorailfees.costsandex pews from another pony, if the majority of the panel of arbitrators, applying app 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, survival. 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 life new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiate byyo monyousbehalf: and (iii) payment of the debt In full by you or by it third pony. 11 any portion Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGESTO THIS AGREEMENT We can change this agreementat any time, cogardless of er Oyou have access ur right to add, to your account, by adding, deleting, or modifying any provision. delete, or modify provisions includes financial terms, such as the APRs and foes, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes or a'Change`. We will nottfyyoU of any Change if required by applicable law. These Changes may be elfective with notice only, at the time stated i our notice. in accordance unpaid applicable law. Unless we state otherwise, any Change will apply to the balances on your account and to new transactions. noticand The notice will describe any rights you may have with respeFor ct eto any xamdo Change, the consequences g you do or do not exerciset sit date if you o notewantt a notify us in writing by a P lied t May 1 to that gnu accept certain Changes we are making. it you a-, -- in vffilillg thal4rill do no accept the Changes, your account may be closed {ff it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. If you do not notdy us in writing by the date stated in the notice, or it you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information aboutyou and your accountio credit bureaus, including your failure to pay us on time. If you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have repotted inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone of the credit bureau description of the problem. If available, please provide copy report in question. We will promptly investigate the matter and, If our investigation shows that you are right, we will contact each credit bureau to which we reported the information end wig request they correct the report. If we disagree withyou after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in out files. Or, if this is *joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and ad of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (it you must notify us elect to receive billing statements or other notices online), you immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing $ddress corrections from the United States Postal Service. We ma at any address oftelephone number as well as any cellular telephone numbertyou provide us. CMA12762 a- ,.o 4 of 5 TELEPHONE MONiTORRJGAND RECORDING We, You agree that we, and if applicable. our tag nits, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information about you and your account within our family of companies, and with others outside our family of companies including any company or organization whose name or mark may appear on the cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and at least once each calendar year thereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law Isuch as sharing information to process your transactions or in response to a subpoena). You hereby agreethat, if you choose not to exercise the applicable opt out described in our privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing out light to stiletto them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party.The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD To CONFLICT-DF-LAW LES. THE LAW OF YOURACCOUNTARELDCA EDIPWILLAPPLYYNOMATT RWHERElYOULLIVE0 USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS lteepTbis Notice For Future Use This notice contains Important information aboutyour rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case Of Errors Or Questions About Your Bill If you think your big is wrong, or if you need more information about a transaction se arate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. *" YG no later than 60 days after we sent you the first hill 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. It you need more information, describe the item you are not sure about. 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 must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibi lilies 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 big 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 line. You do not have to pay any questioned amount while we are investigating, but you ate still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your big, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, andyou will have to make up any missed payments on the questioned amount, In either case, we wilt send you a statement of the amount you owe and the date that fl is due. If you fail to pay the amount thatwe think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the no me 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 can't collect the first S50.00 of the questioned amount, even if your bill was correct. Special Roles for Credit Card Purchases li 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 an the property or services. This right does not apply to check transactions. There are two limitations on this right: (a) You must have•made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more then 550.00. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement iot the property or services. Copyright 02007 Ji'Morgan Chase & Co. All rights reserved. CMA12762 o- 4 ..l e VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he is _ Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bankcard Services Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. (Sign e) William A. Addams Attorney at Law 43 W. South St. Carlisle, PA 17013 Supreme Court I.D. # 06265 717-243-7638 ........ .. . .... ......... .. ................................................. Ci-iA E B IN K U-,A, N. 1., PiaintI I vs WILLIAM B. ZELNER, Defend ant 1.11-EO-0 71CE H r ? 10Q; Cfs 1 22 Ff.I 3- 15 CllIPFr' Drr fl C0U?-1 i `t ......._. ...... _ .... ...................... ...... ...................... ........... ............ In the Count of Co=1li,1" i Pleas of CliCT1ber[and Coi.imv <"<_nnsy?vania No. 10-5520 Civil Action Law ANSWER L Admitted. 2. Admitted. 3. Admitted. 4. Admitted in Part / Denied in Part. Defendant achnits to using the card but is without sufficient knowledge to form a belief as to the truth of the remaining averment. 5. Denied. Defendant has made payments and the terms of the Agreement speaks for itself. 6. Denied. The Plaintiff has failed to attach documentation to the complaint which supports the averment. After reasonable investigation the Defendant is without sufficient knowledge to form a belief as to the truth of the averment. 7. Denied. The Answer to Paragraph 6 is incorporated herein by reference. 8. Admitted in Part / Denied in Part. The Answer to Paragraphs 4 and 5 are incorporated herein by reference. WHEREFORE, Defendant respectfully requests the Plaintiff's complaint be dismissed. l William A. Addams Attorney for Defendant Dated: October 2010 VERIFICATION William A. Addarns hereby verifies that the facts set forth in the foregoi,in compliant are true and correct to the test of his knowledge, inforilnation, and bel;ef. I understand H)at false statements herein made are subject to the 0_ tilnilS l f IS Pa. C.S.:?. •l9(i* reI?1?3.17 t0 U1nswortn IalslEc1t - n to authoi7ib S. 7-11 as 04, Date: October 2010 William A. Addams CERTIFICATE OF SERVICE The undersigned hereby certifies that on this the 7' day of October, 2010, a true and correct copy of the Defendant's Answer was served via first class mail upon the following counsel: James C. vti'armbrodt Weitrnan, Weinberg & Reis Go, L.?, A. 436 Seventh Avenue, Suite 1400 Pittsburg, PA 1152?1?9 William A. Addams Attorney for Defendant 43 W. South Street Carlisle, PA 17013 717-243-7638 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, NA Plaintiff, V. WILLIAM B. ZELNER, Defendant. NO.: 10-5520-CIVIL PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent. corporate officer or director c 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity" "identify" "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person (s participating in such an act; (3) identify-all other erson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person (s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the ftlitzg of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identit;ed in response hereto shall be organized and labeled to correspond If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. Oi are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. Defendant made no payment on the credit card since February 21, 2010. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. .v... rate. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: The interest rates listed within the monthly statements attached hereto as Exhibit "Y correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. C1L'G L:1L1?G all: h1'lltCit jEtUi? ?5 i.., 'b ni',I JdC. •a. card in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. DaiAlIL t{l. d.._;?ti,;Jilc>il <.. July 30, 2010. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. William T. Molczan, Eire Pa. I.D. 447437 (/ Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8493317 (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature A true and correct copy of Plaintiff s First Request for Production of Documents and r_ h , Request for Admissions has been served by U.S. Mail, on the lU? day of ?\;u1,eYV1'- , be; 2010, upon the following: William Addams, Esq 43 W South St Carlisle PA 17013 By: rraa see lopffoel lewnflee 30011 rues, tea we Dow cats 11clod it tlk tkb offer. 00105727 Plop tr o d a b tau wn W" ld. Flam use opal tatlra 3 1 s KFA'QtJ S? OG:Zo SS `f t 7 ri Z S-ogdS SAowSsmtyMwbw#w w" HAU"Afw Al - aara.y .. 4 m aurp nrrsf wwpw4 caff"pow" rbawawpaw,a 8 . awa?I IN awlaar;/isrAr0dag aaa.r. aw?a.ba?.?.. .()o 7 1 "1 z3 Z--15') 1 4 I V9,000 US POSTAL sou t c>r Iwwsfs0?owrfa7Sb.Oarya srnsatl'+r?4 6rassAamal7kwrMpla/uecrna' TWgNww pgbp,gaypp?,s j Mr William H Zelner Mar Mod M Yr 1laast ? Mw AV AMW O &*pA=W IhWOM (dad ark D RW 0Oww D Orr 0 . . 219 W Aan)hin St. Wnn??/wpyatorsarralisaswswao.NeamsnceaaareriwaahdrAvum.oewmerbermwrdpaas,aaNcAe.npggimboMy,ebn Enola, PA 1 702 3-22 1 0 f wowls 1mv to /MCRasa of voaaw? HX3S VP 11C2Ct>D 343603822088 NryradP rPincoslb-79 pats per SYOD of my mow * tmoemsot f .. 3 Good Until: August 11, 2008 bah we. I rod Me Ptarr Summery and Oisefture hxkded In ft oft _ i '. - , t > ' . * ? } _ a1F ' s 2 EMPLOYEE SINCE Z o o t, TOPwck I/" ,ex .. . 5 ? YES ! A. I'M M, tW-.W.. a r a h.s adOltla?d tairt Co 1E?LA0 L ICBZE'L ? . N 5 wwE-WAdeera ri#AMrw AYas IaVA6ar D r)oo mad to mats as awn oraddres aormt N prams dark ft baand ftwb dwspas a6ae =,Itfgft?fbR(i14p16N:,b49?OSB22088 Q?.? 1AS.a?tea IMINN®N T305 EXHIBIT I I I i I 8493317 of your account balance, including any tees and finance charges, and making sure it any balance s over your but :ardmember Agreement remains below your credit line. If your accoun ad iin this an this agrreemeeement.d.tlinWem may, but t reason, we may charge you an overlimet fee asdescri asctlb are not required to, authorize charges that-go over your credit fine. You must pay any nis agreement over your credit One, and you must pay us immediately if we ask you to. This CCEPTANCE OFTHIS AGREEMENT amount a reement applies to any balance on your account, including any balance over your governs your credit card account with us referenced on the card carrier ontainhig the card for this account. Any use olyour accountis covered bythis agreement Atourdiscretion,wemayincrease,reduce,orcancelyourcreditline,orthecashadvance lease read the entire agreement and keep it for your records. You authorize us to Pay credit tine. a to onion of your credit line, at any time. However, i tr and charge your account for all transactions made on your enylees oraccount You promise s. Pwort not finance charge. ay us for alltransections made onyour account, aswell as it you have asked us not to do so, we It amounts owed even if the account is used by only one of you. We may require that increase your credit line. A change to your credit line will not affect your obligation this is a joint account, each of you, together and individually, is responsible for paying to n pay us. International Transactions: International transactions include any transaction that you , ou pay the full amount owed without first asking the other person(s) to pay. make in a foreign currency or that you make outside of the United States of America even even if yov don't it it is made in U.S. dollars. It you make a transaction in a foreign currency, Visa at your card when you 'lease or an the anyone prize by you use your account for any purpose, t reement International or MasterCard International, Inc., will convert the transaction into U.S. e you or anyone authorized by you use your account for any be vour ou have dollars by using its respective currency conversion procedures. The exchange rate each this 3 30 0 days c after fter reouceivwi ving g bound your card Your card and y you h entity uses to convert currency is a rate Ihat it selects either from the range of rates inless you cancel el your account r within your account rnless you ca tot used your account for any purpose. available in the wholesale currency markets for the applicable processing date owhihe 'Our "You", 'your* and "yours mean all rate may vary from the rate the respective entity itself receives). s "Yo mean r* and Bank USA, N.A., government-mandated rate in effect on the applicable processing date. The rate in effect Throughout this agreement, the words unt. he words "y Y on the applicable processing date may differ from the rate on the data you used your card rs r of your credit card and a with age .he-issuer persons for complying with m agreement, including the nts, as w well as applied any or account. We reserve the right to chargeyou an additiona) 3%of the U.S. dollar amount for the account and the person to whom we address billing statements, a of any international transaction, whether that transaction was originally made in U.S. person who agrees to be liable on the account. Theword"card'meansoneormore cards dollars n was made in another currency and converted to U.S. dollars d Visa or or other access devices, such as account numbers, that we have issued to permit You MasterCard. In either case. the 3%will be calculated on the U.S. dollar amount Provided to obtain credit under this agreement. to us by that entity. The same process and charges may apply of any international USING YOUR ACCOUNT is a COnS Y for personal, transaction is reversed. Your holdp t a consumer account and shall be used only not re family le Refusal to AuthorizeTransaCUenS:We may, but are not required to, decline a transaction for household purposes. Unless we agree it required by law, will not be responsible on your account for any of the following reasons: merchandise or services purchased or r teased through use of your account. You • considerations, promise to use your account only for valid and lawful transactions. For example, Internet • because your account is in default, gambling may be illegal in some places. Is not our responsibility to make sure that you because of • if we suspect fraudulent or unlawful activity or, use your account only for permissible transactions, and you Will remain responsible for • in our discretion, for any other reason. paying fora transaction even if i1 is not permissible or contemplated under this agreement We are not responsible for for any losses if a transaction on your account is declined for Types Transactions: either by us or a third party, even it you have sufficient credit available. • Purch hases: You may tree your card to pay for goods or services. • Checks: may provide you cash advance cheeks or balance transfer checks a any For online reason, transactions, we may require that you register your account with an balances account, authorization system that we safest. We will notify you if we want you to register. It you way to use your account. We also refer to themes this agreement as a r chet cks. do not register, we may decline your online transactions. to do not s we may ch decline youro online t is your request for funds. When we receive this may her a Check to Pay 101 oo services, use hose balances to your pfor for other uses es we we allow. ow. But But you may may not use these checks to o transfer transfer balannces es to es account from other accounts with us or any of our related companies. Only the a Refusal to check for payment, we may review your account to decide whether to authorize that checks are treated as balance check. We may, but are not required to, reject and return unpaid a check for any reason, person whose name is printed on the check may sego the check. Cash advance checks are treated as cash advances and balance transfer encludingiheioUovring examples- checks We r one of e or o in one of our related companies Is the payee on the check. transfers except as noted in this agreement a any offer we make to you. may treat • Your or cash advance portion of your eon line has been exceeded, or would thatwecall conveniencechecksasbaancetransfercaress However, checks be, exceeded N we paid the and that fee ees. call convenience checks and that we indicated to you are subject to the terms • The chock es post-dated. If a post-dated check is paid, resulting in another check being for cash advances, may be treated as cash advances and assessed cash advance rotes returned depot peed, d are not responsible. cred c • the check after the date specified an it. peed the check. other • You are in default or would a if the issuers s or You other may v lenders to to this balances account, from or other other balance accounts transfers rl with allow, You have used • Balance it card Transfers-, But you may not transfer balances to this account requested Irom be balance it other-accounts seer with a us or any Lost or Stolen Cards, Checks or Account Numbers, II any card, check, account number your of our related companies. H a process faapaal balance transfer up to p your cavailable or other means to access your account is lost or stolen, or you think someone used or available credit line, we may p roc use them without your permission, you must notify us et once by calling the credit line, Cardmember Service telephone number shown on your card or billing statement. Do not Cash Advances: You may use your card to get cash from automatic teller machines, or use your account after you notify us, even if your card, check, account number or other of an rlossrtheft or unauthorized use related to your foren from financial institutions accepting the c vi'a` lato obtain sh I ke chargeseforto obtainlottery means to access your account found tickets, casino gaming chips, race track wagers or or srm ar eft ng an c r . You may bB liable it there is unauthorized use of your account from which you receive may also use a sherd party service to make a payment on our behalf and big the payment account to this account.-- no benefit, but you will not be liable for more than $50.00 of such transactions, and you • Overdraft Advances: If you have an eligible checking account with one la our related will not be liable for any such transactions made after you notify us of the loss, theft or bank to cover banks, an you may link this account your checking account with our related ent and unauthorized use.However,youmustidentityforustheunauthorizedchargeslromwhich overdraft on that checking account under the terms of this agreement and you received benefit ed, provide us infor tea' with writing to help us lin out your checking account agreement We may require reyou e procedures in a Donee $on wPhnour Billing CyCylppiderto manage your account,we divide time into periods called tilling We may also require you to comply gg " ng cycle fs'a roximi telly one monthin length. For each calendar month, ng rycles. Each your account investigation. your well have a ch calcycle that ends en that month. Your account will have Payment Instructions: Your bitting statement and accompanying envelope include for thcycle ending in each calendar month whether or not there is a belling statement PAYMENTS t instructions you must follow for making payments and sets forth the date and time de for that belling cycle. Authorized Users: if you allow someone to use your account; that prison will be an which we must receive the payment. You agree to pay c amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. authorized user. You may request u additional card for use it an authorized user ed financial institution a the s YOU of a dols financial institution using a payment because your you account. II are you alldoowing so, this account may appear on the credit report olt llh authorized check money order or automates debit that well foreign processed n honored sbyyour ing financial responsible user. You for should the think use of ing that your tuty person before to use allowing the anyone account to as you become canan. You h will orized amain user institution, We vvill de not accept cash payments. Your total available credit may not be account and each card issued onyour account according restored for up to 15 days after we receive your payment. to the terms of this agreement. This includes your responsibility for paying all charges Any payment check or other form of payment which you send to us for less than the full on your account made n authorized user. balance that is marked'paid in full' of with a similar notation or that you otherwise tender You must notify us to terminate the an count and/or user's permission or cards swat account If in full satisfaction of a disputed amount )conditional payments), must be sent to us atthe conditional payments address listed ony'ur 111 is date mate there s nova a alloure oh s aeons nuus we mber. YOU should ualso nt from thata ut destroy ny cards, checks or anYf rther regarding such payments. For example, any such payment is received at any other address, we may accept the payment and you means of access r your account r that authorized user. a will steel owe any remaining balance: We may refuse to accept any such payment by your Credit credi Line: Your reader line appears on your belling statements. We may also refer to the returning it a you, not cashing it c or by ddestroying it. All Dicer payments that you make used for Your cash billing advances. Cstatementash may also advances, show that only cash portion advance of should be sent o the regular payment address shown on your monthly statements. credit le dit liasne a credit may dit be limit. and all other enctudlin cas checks, are ced The cash a portion transactions atrerchargedragainst your crredit line. You a et responsiblelfor kee*g track EXHIBIT 7 ?aga 1 of 6 .. .. .. x.+. !'iii:'.. de reserve the right to electronically collect your eligible payment checks, at first h ... _.. ... ........ it we deride not.P i up toshyour APR even though there e' a default Rai f we ono maximum dnd Fees- in the default our APRin the aevent of any future default. e i r resentment and any of representment, from the fohus to collect our payment checks i bank aaccou uthor¢ation our t y nc eas eserve ourrigh to Tabteewe default rates or reinstate discretion determine to charge d f y Yawn. Our of P a amount ent checks will betcollected or, ii electronica draft drawn s ty by sending he check b k P accoun for all or selected balances on your standardtFat s New ludin (inc ance ce Charge Calculation - l F h b r r r aym count ifink mount along with the check, routing and account numbers your bank:Your ban payment. The early the same day receive your r d e ce inan at ly lot eac charges sepa finance Transactionsr We calculate periodic a ted whhadilSereMCategory ottransactions (for example, purchases, balance i ft d ck it account may be original payment check be destroyed and an image will be maintained in our ra a assoc , cash advances, cash advance checks, over transfers, balance transfer checks tons may combine different categories d l ecords. a mentdue,asshown You agree thto pay at least the minimum p y o at we receive it by the date an t' th l ce a e advances, and each promotiyn).7h sec e eriodicrf rates- This purchases, balance transfers, balance ul ate l b fo your billing statement, s l amount you )n your billing he lu e minimum payment due and may pay fou may pay more than the have a balance that is subject to finance charges, the p c We ca y transfer checks, cash advances, cash advance checks, and overdraft advances e balance for each of those categories by the daily periodic rate the dail l i we us at any time. It you a sooner you palls, the lessyou will pay in finance charges because finance charges ' y y ng multip categorie nts, to each dchecay. king You account may have with one overdraft aourdrelatedvances ba any nks- of those each for tlaY• accrue on your balance 36 Your billing statement shows your beginning balance and your ending balance lthe w Balance is S10.00 or less, your N h f accou his have You y We calculate the periodic finance charges lorpurchases, balance transfers, balance and cash advance checks subject to a promotional dvances h e t e 'New Balance' on your billing statement). I minimum payment due will be the New Balance. Otherwisei% it will be the largest of Balance; or the sum of of the New Balance, N , a transfer checks, cas rate the same way, but we use the promotional rate, category: ot ea nc l t f ew and the following: S10.00; 2% ofinance chares, and any billed f the artyfamouees. total billed periodic esedue we also add any amounttpa t due andlirnit ment a hat day. balance for t r Wectakethe begins ng t balance any new transactions, tees, other charges, and debit th , pay part y of the he credit redit line. . over y e that we are authorized to allocate your payments a We add to adjustments that apply to that category. We add a new purchase, sash advance, t as of or overdraft advance, it nsfer k t s c t Payment Allocation: You agre favorable that is most remits and balances with lower APRs (such edits to andtc ments l a ra dvance hec h a a new or a later data of our choice. We add a balance ansaction date e transfer check to the daily balance as of hto the cash advance b l f y authorize Your pay toonal app higher APRs. with balances before ARs) promotional ut, balance at any time. may anc our a or a later date o check or balance transfer check is deposited by a payee, C Credit Balances: You may request a refund of a ta reduce the amount of any credit balance nce by byth e amount of new charges ot{eas ss billed choice. . We subtract from that balance any payments, credits, or credit adjustments that ory and that are credited as of that day. te h to your account. charge ges. anautomar therm part mouthyy to urea You may lot exa ample memberships Automatic Charges-. s s (lot example ti g at ca apply to t • We treat a credit balance as a balance of zero. we add the dairy et the beginning balance for each category for the next day, dic rate i T il , , on ludi account for repeat transac (Inc y reason t and insurance premiums. )automatic charges are any reason) or your account d or suspended for r an any l o g o y per periodic finance charge to the daily balance. If more than one da lyto a category because the rate for the category may vary base on the lies ld a t h o is s c ose because your account unnt t number changes, you are responsible for notifying she hiller and peyingthase charges but are not required to, pay from we may es h pp app cou a t periodic rate use we balance, amount of its average will the daily daily e daily balance amount atthe and of the billing cycle to calculate the a il d , , ang directly. It your account number c umber chargesthatyou authorized to be billed layout ofd account t g y a for the aver for provides This agreement day. each charge daily periodic finance n your new accoun number. Promotions: From time to time we may otter special terms for your will be in If we l compounding of finance charges. charge financ h cafor the e eriodic for each day during that billing cycle i as modified by the A will nosily you subject aboutthit they terms of offer agreement, off is suti I t A for ea ge odic financ pe However, if any periodic finance charge is due, we will charge you at least the d in the Rates and Fees Table. If it is necessary n ny p ional promotional offer, minimum periodic finance charge state n additional amount to reach the minimum finance charge, we add that dd FINANCE CHARGES percentage Rotas and Annual Percentage Rates: Your annual sten rates Oaily Periodic dally periodic rates are listed an the Rates and Fees di a to a . billing cycle. during the purchases for the ounl for a billing cycle will e. the sum of the he total amount a to The total finance charge on your acc i ) nh ng TAPRs and the correspon ff t always separately. round d up get at the the daily Table that is at the end of this document or fill t ff nance f transaction fee plus any finance charges periodic ulate an average daily balance (including new transactions) l ec in e ec periodic rate we divide the APR by 365, and in e place to the right of the decimal point. r account mayvary with changes c each categorywe ca For for the billing cycle by adding all your daily balances and dividing that amount by s in the bilCng cycle. II you multiply the average daily balance for f da b b to the le Prime Rates: Bale. or more APRs that applyto you When you have an APR that varies with changes o the Prime Prime Rate published in The to the y er o er the num a category bythe applicable daily periodic rate, and multiply the resultbythe num the total iowill d equal the periodic finance es charges for that cle tolli R Date shown i on your billing Rate, treet calcJournal ulate the two APR business ass days adding a baton margin the to Closing Street Wall e Rate published the Money i P , ng cy of days in he balance attributable cycle, bolting cycle, except for minor variations due to rounding. inance l of finance Charges: We accrue periodic finance charges c f u u l of r m statement. The f 'Prime Rate" the highest ( The Rates section of 7lre Wa115treerJournaLlf The Well Street Journal slops publishing ce rate and inform you on your billing f a a Grace Period and Accr balance ourdaily c charge from the date it is added to on a transaction, fee, Accr ll is received on your account. Howeverwe do not charge periodic i f eren the Prime Rate, we m will select a sin otar re h a separateotice. throu u n until payment finance charges on new purchases billed during a billing cycle if we receive payment g statement or margin is "busyness day" is any day that i not a weekend er federal holiday, list. The Rates and also fists the margin for ble rates i o your sw a an received payment mast of your New Balance on your previous billing statement by the or'grace period' applies only our payment was due. This lance o exception previous e i h d rad . n a Fees Table shows which rates, i t any, are var variable rate and any minimum daily periodic rate and corresponding t APR. see o t y m t date an ar checks, cas to purchases and does not apply to balance transfers, balano verdraft advances, if applicable. k , e t t T c Two business days before the Closing Data clown omargi billing statemen We then add the applicable margin to that Prima Rate to get Rate i s or o advances, cash advance chee Transaction Fees for Cash Advances: We may charge you a cash advance lee in ble for cash advance checks and cash T ri me what the Pr the APR. The dally periodic rate calculated as described above. rate from the previous billing di i a the amount stated in the Rates and Fees . c o If our calculation results in a change to a daily per the rst cycle because the Prime Rate has changed, the new rate will apply we of the made first month on which w d l advances. Inaddki , it you use a turd party service to make a payment on your behalf and es use the payment to this account, we may charge a transaction fee h ar en in the ca ends cycle that belling pay a higher periodic day your v is rate increas s, you higher minimum will have to payment. calculation. II the daily a hy a arg the service c payment. tle for transaction tees are finance charges. We add the tee to the balance for the a l h may ha if y e to p nd may have charge a finance you ar [ Rates; Your APRs also may vary of you era in default under this s for any of of our related companies for any o1 e, ese T as of the transaction date of the cash advance. For examp category d relate n tee fora cash advance would be added to your cash advance balance. i or any or any other agreement you have with us or any the following reasons: account or any other this ed on i o transact Transaction Fees for Balance Transfers: We may charge you a balance transfer fee tated in the Rates and Fees Table for balance transfer checks and t s We do or loan receive, with foe us, at any least the payment that due by ac cou the data and time minimum ow payment account not s in the amoun balance transfers. We add the fee to the balance for the es har due. • You exceed your credit line a is account. bank. by your honored not t is n tha . g These transaction fees are finance c related category as of the transaction date of the balance transfer. For example, a nsaction fee for a balance transfer would be added to your balance transfer • (including any promotional APRs the It You any of make a these events payment occc us urs, increase may we lexcluding overdraft advances) up to a maximum of the default t tra balance. OTHER FEES AND CHARGES tes R o APR) on all balances rate stated in the Rates and Fees Table. We may consider the following factors has length te: the l f r t c a during Tabe hestl efollowing ifees.The amounts of i be added to the balanceefoless are r purchatsesdmadee We f e au indications determine t o he t anra un of tthe defaults on your acco d timng seriousness de existence, Li rom consumsumer of your account usage and performance; in r n we o from consumer n we obtain ti e s the Membershi Fee: If our account has an annual membership lee, it will be billing cycle. d in the t t n ees 8aie o m wil o or any of out related companies; and d informa r obtained from credit bureaus. The default rate will take eftecf as of rt i a e monthly installments Jas s bill ad each year or annual b n dF it when ther or notyou use your account, and you agreeto pay h c e t t repo s cred the tars[ day of the billing cycle in which the default occurs. e w ?age2of5 CMA12762 membershipfes is non-refondabli bnlessyou iroii'y?vslhdt phi isht close Your account B terstitercommeceh"a` dr'sYall be governedlby and be enforceablle under'!h . iada al...• This amended .C. SI-16 as it mbersip within 30 days of the date we mars your billing statement on U.S reement tee is charged and at rs same time, not affect ourrightto close your arccolunt orrlimit your sets forth theccircumstances and procedures under which c aims (as diefined bellow) may of the annual membership tee dos right to make transactions on your account. If your account is closed by you or us, we be resolved by arbitration instead of being litigated to court. our will continue to charge the annual membership fee until you payyour outstanding balance includes overed. F he diapr s affiliates of this Arbitration Agree ecessors nt, * successods, assigns, parent, in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the data and any purchaser of your Account and all of their officers, directors, employees, agents, time it Is due as shown on your billing statement for any billing cycle, we may charge the and assigns o or any and a1101 them. Additionatly,'we', us and'oni'shall include any chit assigns fi, late fee shown in the Rates and Fees Table. if the late fee is based on a balance, we pant Pr i? benefit the late fee. This r balance ris the amen as the New Balance ts services ,orproduct s in connection with the Account (including companies, ebt nee shown statement on he por the Ac ount, rewards programs and enrollment services,ncred rinse insurance Issued resenta ives) and rs, their all and ectors Coll month's statement for which did not receive at least the required minimum payment f, and only it, such a third party isfnamedibyyou as a co-delendantin any Claim you alssert ' by the date and time it was due. . against us. nsent 's co Overlimit Fee: If your account balance is over your credit line at any time during a billing a9 rge this vere Claims charge or fee awe imposed bind ng ao(b Iratdionrof any cou or laim, dispute ortcontro ersy by either you onus against the datory cycler even if only fr a day, we my charge an is ovathe credit line because of overlimit fee. We may or a transaction we authorized. We Will not charge more than one overlimft lee for any other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or eme, ovenif yourbalance emen cles rdmembo now transaction are adeonyouracclount,ifyouraccountbalaancestill sovertyour other,dmemberarising ertising.apPl t, billing ccle. But credit line at any time during the subsequent billing titles. or approval of your Account ('Claim'). This Arbitration Agreement governs all Claims, Return Payment Fee: If (a) your payment check or similar instrument is not honored, (b) whether such Claims are based on law, statute, contract, regulation, ordinance, ton. an automatic debit or other electronic payment is returned unpaid, or (c) we must return common law, constitutional provision, or any legal theory of law such as respondeat a payment check because it is not signed or cannot be processed, we may charge a superior, 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 return payment lee, to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer Agreementor the validity of the entire Cardmember Agreement or any prior Cardmember check at your request, or (b) we refuse to pay a rash advance check or balance transfer Agreement This Arbitration Agreement includes Claims that arose in the past, or arise check, we may charge a return check fee. in the present or the future. As used in this Arbitration Agreement, the term Claim is io Administrative Fees: if you request a copy of a billing statement, sales draft or other in given the broadest possible meaning. record of your account or it you request two or more cards or any special services (tor be given the broadest arbitration nclueaniaimsthat are made as counterclaims, cross claims, Claimis example, obtaining cards charge an expedited basis), we may charge you i these services, third party claims, interpleaders or otherwise, and a party who initiates a proceeding in However, we will not charge you for copses s o of billing statements, sales s drafts stable court may elect arbitration with respect to any such Claims advanced in the lawsuit by documents thatyourequestiorabilling dispute youmayassertagainst usunder ap applicable any party or parties, law. We miry charge, for any services listed above and other services we provide, the fees from time to time in effectt wwhhen n we otter the service. As an exception to this Arbitration Agreement, you retain the right to pursue in a smell claims court any Claim thatis within that court's jurisdiction and proceeds on an individual DEFAULT/COLLECTION basis. If a party electsto arbitrate a Claim, the arbitrationwill be conducted as an individual We may consideryou to be in default if any of these occurs: action. Neither you nor we agree to any arbitration on a class or representative basis, • We do not receive at least the minimum amount due bythe date and time due as shown and the arbitrator shall have no authority to proceed on such basis. This means that even on your billing statement. if a class action lawsuit or other representative action, such as that in the form of a private You exceed your credit line. attorney general action, is filed, any Claim between us related to the issues raised in such • You fail to comply with the terms of this agreement or any agreement with one of our lawsuits will be subject to an individual arbitration claim if either you orwo so elect. tasted companies. No arbitration will be consolidated with any other arbitration proceeding without the bts to us ot us or to that others theses on time. tobelieve that you may be unwilling or unable to consent of all parties. The only Claims that may be joined in an individual action under We obtain • pa this Arbitration Agreement are (I) those brought by us against you and any co-applicant, pay y yqw our debts information • You file for bankruptcy. Joint cardmember, or authorized user 01 your Account, or your heirs or your trustee in • You become incapacitated or in the event of your death. bankruptcy or 12J 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. II we consider your account to be in default, we may close your account without notice filing a Claim in arbitration must choose one of the and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (290) a month on the unpaid balance when we deem Initiation of Arbitration. The party following two arbitration administrators: American Arbitration Association; or National your account to be six or more billing cycles past due. Arbitration Forum. These administrators are independent from us. The administrator does To the extent permitted by low, if you are in default because you have failed to pay us, not conduct the arbitration. Arbitration is conducted under the rules of the selected you will pay our collection costs, attorneys' lees, court costs, and all other expenses of arbitration adminlstretor by an impartial third party chosen in accordance with the rules enforcing our rights under this agreement. of the selected arbitration administrator and as may be provided in this Arbitration CLOSING YOUR ACCOUNT Agreement Any arbitration hearing that you attend shall be held at a place chosen by we etc gh you You may close your, account at any time. it you call us to close your account, we may the arbitrator or arbitration administrator within the lateral judicial whfcfi district T Fpcida as the 0;pe the Claim is filed, nr al some 111hPID yo of the any close your account prior roquire a ation fees, and instructionstrfor your administrators, inforrmationoabout arbitration andrarbit rof each of the two at • notice except as required by applicable law. If we cy time lot any reason without p our initialing arbitration by contacting the arbitration administrators as follows: account, we will not liable you for any consequences resulting Irom closing y American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY be to account or suspending g your credit privileges. Web If you or we close your account, you and any authorized users must immediately stop 1Nional?A bitrotion Fo um?rP.O. Box 75019t9 ,Minneapolis, MN 55405, Web site: using your account and destroy elf cards, checks or other means to access your account or return them to us upon request. You will continue to be responsible for charges to your www.arbitration-forum.com, 800.474-2371, account, even If they are made or processed after your account is closed and you will Procedures and law applicable in arbitration, A single, neutral arbitrator will resolve be required to pay the outstanding balance on your account according to the terms of Claims.The arbitratorwill either be a lawyerwith at leastten years experience or a retired this agreement. In addition, to the extent allowed by law, we may require you to pay the or former judge. The arbitration will be conducted under the applicable procedures and outstanding balance immediately or at any time after your accovntis closed. rules of the arbitration administrator that are in effect on the date the arbitration is filed ARBITRATION AGREEMENT unless those procedures and rules are inconsistent with this Arbitration Agreement, in PLEASE READ THIS AGREEMENT CAREFULLY IT PROVIDES THAT ANY DISPUTE MAY which case this Agreement will prevail. These procedures and rules maylimil substhe a a law BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACESTHE RIGHTTO 60 of discovery available to you or us. The arbitrator will apply applicable 70 COURT. YOU WILL NOT BE TO A EPRESENTATIVE ACTION IN COURTLSUCH ASITHAT IN THE FORM OF ARPRIOTHER VATE privskgen recogmzed allowand . You may choose to haveme hearing and blelrepresent d by R including the use of protective ordersinformation OTHER REPRESENTATIVE BRING ACTION. YOU CLAIM WILL andnotherliconlidentiall take reasonable steps to ATTORNEY GENERAL ACTION, TIONOR N R WILL YOU BE ABLE TO y or . The will to ARBITRATION AS A CLASS prohibit NOT BEABLETO BE-PART Of ANY CSS ACTION OR OTHER REPRESENTATIVE ACTION disclosure BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTH R have the poowerdt t award ittota party any damages or otherureliefsprovidedtfort under the law authorizes such the benefit ef, the proceedinng.rIt threlief OPPORTUNITY AGREEMENT, YOU of any person who is not atpaarty to thpower REPRESENTATIVE to, AND WE MAY OTHERWISE TIHAVEEHABD A RIGHT THIS ARBITRATION statement of reasons unlessirequested by a trator will E Y OR JURY, OTHERS AND/DRTD ASS T ACTIONS :AND OTHER award inwrii ngaward but need not provide adamages IN A COURT, JINCLUDNG CL IN A CASE FILED IN COURT B party. REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOt1LO HAVE IF YOU WENT Upon a request byyou or us, the arbitrator will provide a brief statement of the reasons TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE forte We award. reimburse you for the initial arbitration filing fee paid by you up to the MORE LIMITED.EXCEPTAS OTHERWISE PROVIDED BELOtJJ,THOSERIGHTS AREWAIVED. amount of 5500 upon receipt of proof of payment. Additionally, if there is a hearing, we CMA12762 Page 3of6 wflipay phy fees of the arbitrator and arbitration. administrator for the first two days of that hearing. The payment of any such hearing fees by-os will bwY 'ada directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement All other lees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance orreimburse filing fees and other tees if the arbitration administrator or arbitrator determines there is good reason for requiring usto do so or you ask us and we determine there is good cause for doing so, Each party will bear the expense of the lees 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 lime or in connection with any other Claims. Any decision rendered in such arbitration proceeding willbe final and binding on the parties, unless a party appeals inwriting to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration organization-The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own lees, costs and expenses for any appeal, but a party may recover any or all fees, costs and expenses from another party, it 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 low by any court having jurisdiction. Severatrilhy, survival. 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; Iii) the bankruptcy of any party or any similar proceeding initialed by you or on your behalf; and (iii) payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, of modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you orwe may have relating to this agreement ModiiicarDris, additions, or deletions are called "Changes or a "Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights, For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. 11 you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. TELEPHONE MONITORING AND RECORDING We, and if applicableeour.agents, mayJisten to and.record your telephone calls with , , - us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou andyour accountwithin our family of companies, and with others outside our family of companies including any company or organization whose name or mark may appear on the cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and arleast once each calendar yearthereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our lamily of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena(. You hereby agree that, if you choose rot to exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations underthis agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMS AND ENFORCEMENT OFTHIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE YOUR CCOUNTARELOCATED, WILL PPLY4NOMATTRWHEREYOULIVE RUSE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement 0 you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information aboutyour rights and our responsibilities under the fair Credit Billing Act. Notify Us In Case Of Errors Or Duestions About Your Bill If you think your big is wrong, or if you need more information about a transaction on yourbill,write us on a separate sheet at the Cardmember Service address shown on your billing statement Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights, in your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error, • Describe the error and explain, it you can, why you believe there is an error, If you We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time, if you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. II 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. Please Include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will fell you in writing of by telephone. We will also notify credit bureau that you dispute he information unless you let us know that you the longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change Your name, address, or home, cellular or business telephone number or email address fit you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from the United Slates Postal Service. We may contact you about your account, including for customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us. Page 4 of 6 CMA12762 neeu arum ,o,vn„o•, ,v •__..__ ..-- .-_ -- , if you have authorized us to payyour 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 must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 3b 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 tot the amount you question, including finance charges, and we can apply any unpaid amount againstyour credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount It we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to 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 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboutyour bill.And,we must tellyou the name of anyone we reported youto. 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 can't collect the first 550.00 of the questioned amount, even it your bill was correct. Special Rules for Credit Card Purchases if yod have a problem wkkdM gYi ty of property or services that you purchased with a credit card;;aM-youhavt,fti@din-good faith to correct the`probtemwith-thVmeMhant; °^ -° Y."• - -.." ..•" you may have the right not to pay the remaining amount due on the property or services. -This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address, and The purchase price must have e obeen more then wn or operate the ? merchant, or ii we malledyou the These limitations do not apply' advertisement for the property or services, Copyright 02007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 Stl9tement for account number. CM 94111 8206 3880 New Balance Psment Due Dale Past Due Amount Minimum Payment $1,248.78 08/22108 $0.00 $24.00 . Wee year check psysW to: Ones Card asrvlcss. PMwwits amount wicloa.d. New eddnss or o-msa? Print en bed. 426684118266368000002400001248780000003 -eFr zrusc WILLIAM 8 ZELNER 219 W DAUPHIN ST ENOLA PA 17025.2210 I...Iiin.III.....LLLL..IJ.11.I...fil6.....lII.1..11...1 CHASE 0 i... l l I.I.. I.d. 1..1..11...1. I....11.1.1...11.1J- I L. M.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 11:50001.60281: 203 L L8 266 3 680 2u- 8493317 T? OpenigrOosing Dale: Payment Due Date 1 07/03108-00/02/08 CUSTOMER SERVICE OBR71W I 1 088 4015 S 305 U . . "? Minimum Payment Due: - n . . - . $24.00 Espatbl 1-8864463308 Too 1-00695508060 Pay by phase 1-000-4367956 Outside U.S. WI coiled 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 42658411 e26s 3680 ACCOUNT INCHINF IE6 Previous Balance 50.00 Total Credit Line $8.600 P.O. Box 15298 Purchases. Cash. Debits +$1.211.42 Avail" Credit $7.351 Wilmnglon. DE 199565208 Fi arce Charges +$37.36 Cant ACCw Line $1.720 New Balance 1,24e.7a Avail" for Cash $1.507 PAYMENTADDREBS P.O. Box 15153 VAmirglM DE 19606-6153 VISIT US AT: El FYIRI F RFWARM 1,11YYA_RY _ To redeem your Reside Rewslds points. call Previous poirN balance 0 1-800-603-2265, orlog onto Point, earned onpurchases thieperiod 110 www.cha+e-coniaradi for244loureccess New.tal potnb balance 110 to your rewards program. 110 Poilisto expire an statement on or after AUGUST. 2013 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit FINANCE CHARGES Finance Charge Deily Periods Rea Corresp Average Daily Due To Transedion Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Role Fee Fn Charge CHARGES Purchssea .00000% 0001% 1110-00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05751% 20.999/6 $20.87 $0.36 $10.00 $0.00 $10.36 Convert' a check .00000% 0,00% $0.00 $0.00 $27.00 $000 $27.00 Prorrxrtional eunmory .00000% 000% $120.00 $0.00 $0.00 $0.00 $000 Total Insnce Charges $37.35 Effective Anklet Pdreenta86 Role (APR): 40.66% Besse sae In kin. an About Your Amami section for balance compuation method. grace period, and atlw inporant iMamalim Th e Corresponding APR is Ua reds of "a" you pay when you carry a balance on any transaction category. Ths E1lediveAPR represenb your told finance chrgas - irrdudig transaction fees such as cash advance and balance transfer Was - sxpresaed as a percentage. IMPORTANT NEVUS Guard agaihat idem5y theft and nonage your credit information with Creep ID Protection. Gat uniirifed occees to 3-101-1 Credit reppnaand WWO& daily md1110frg of you credit ties, Smelly, alone and more. To purchOw. call 1-000-217-0291 or vied www.Oh®sidprotection.am. This -SAMenient Is a Faeswnlle - Not an original 6000001 F033MCS ON N 2 O OSOO&M Pget ei can Mw 2"n 2141000aWae@?6s01 7t am L/M EMBIT 8of 7.5 Star@1Mnt for accourR number: 4200 8411 SM 3680 Now Balance Paynwvt Duel Pan Due Arm Minimum P Tn CHASE O ` N.Ie f- cheek pyaWe tit: WQ 1 Chase Cud SnI Passe unite eaount enclosed. Now eddreee a wmei? Print on bed,. 426684118266368000004900002989530000005 WILLIAM B 2ELL ELNEA. 279 W DAUPHIN -2 51 CCARDMEMBER SERVICE ENOLA PA 17025270 PO BOX X 15 153 76153 WILMINGTON DE 19886.5153 x:5000 L6O 28x: 203 L L8 266 3680 2ae Openi7grgoeingDate: n y r n rn 00/03106-0Q=/w CUSTOMERSERVICE OWZ" U.S. 1-888-305-ri016 Due: i r rx aymst PCtST r Q(, nn.c. $09.00 1-688-4163308 TDD 1-800.954-wilo Pay by Phone 1-800-136-7958 Outside U.S. call collect 1.302-5948200 Nu nbw: 42M &1118288 3660 VISA ACCOUNT SUMMARY Account - ACCOUNTINOUIRIES Previous Balance $1,248.78 Tote) Cradil Line $$.600 15288 Box Payment, Credna 475.00 Available Credit $5.610 Vnin nnylon, Wt DE 19850.5208 Pur trees. Cash, Debts .$1,72661 Cash Assess tine $1,720 Finance Charges .$90.14 Available for Cash $228 PAYMENT ADDRESS New Balance 9119.53 P.O. Box 15153 VAIrr irglon,OE 198863153 Vt31T US AT: The promo me expira8ar retat red on this statement is a result of a line payment made during the promotional nee period on your accotxn. For your commence. you can always pay ordure by accsasing our webai s displayed on this nnement FI FYIRI F RFWARCIS SUMMARY To redearn your Flexible Rewards points, call Previous posts balance 110 1-000.603-2285, or log on to Points swned on ptrdneses this period 477 www.drese eon0credtcarda for 24-hour access New Wall points balance 587 to your rewards program. 710 Pointy to expire on ststenrem on or alter AUGUST. 2013 TRANSACTIONS 8493317 This Statement Is a Facsimile - Not an of owl 0000001 sr C3 0110 N z 02 aexwoa P.O., e2 =a -rar axrse Zan oomm000re]eem X 0050 Na1xeM 28 of 75 Trans Amours Dale Reference Number Marchanl Nara or Transaction Description Credit Debit Openigtaosng Dane: WOMB - 00/02M Account Nurnber: 4266 8411 6266 3600 Page 2 012 FINANCE CHARGES Fnencs Charge Deily Periodic Rete Coreap. Average Daey Due To Transaction AccumWaled FINANCE Category 31 days in cycle APR Balance Periodic Rote Fee F. Charge CHARGES Purchases .02463% 6 99% $354.93 $2.71 $0.00 $0.00 $2.71 Cash advent- V 05751% 20.9". $1,156.14 $20.51 $60.00 $0.00 $60 61 Converience check .02463% 9.991/. $993.52 $6.92 $0.00 $0.00 $6.a2 Total finance charges $90.14 elective Annual Pmeornags Role (APR): 4109% Please a- Information About Vow Account section for balance CorlpUalion nwIloc, grace period. end other irporl" information. . The Corresponding APR is tie rare of interval you pay when you carry a balance on arty transaction caegory The Efletliwt APR repre-ma your total tinanoa charges - inclu6ng vansecuon la- such as cash advance and balance transfer tees - mpressed as a percemage. IMPORTANT NEWS Guard against identity theft and manage your credil information with Chase Idemiry Protection. Gat accaea l0 3-in-1 Qadd repDM and scores, deity monifor'ung 01 your credo tits, *n* clans and more. To pumas, hall 1-900.217-0291 orvishurww.chaeeidpnobedm.eom. Save on nearly everything tar your home: repairs. renovdor% shopping & nova Learn more al www.wi plelehoma.comrChaae. and you11 be idenNed as a Chess cardmarber welled to this great Trilwgiaa oiler-11iniCh includes $20.00 Lowas Gill Card! 8493317 This Statement Is a Facsimile - Not an original JC amomr Remamsca sou N r R awaas •apa2s2 Oaae ew-Y7aa 34e000003000467eaoz 30 of 75 Statement for acoouM number: 4226 8411 am 3BBD New Balance Payment We Dew Peat Due Mnoum Wdffwm Payman $4,078.10 lor22A8 $0.00 $85.00 . Mar y.ur ethari payabtaw: Ou.a -kaw Nw address lrxx,[ r Nwr addrasara a ermeiQ i? Print on Gdr. 426684118266368000008500004078105711327 taeleB xzve c WILLIAM B ZELNER 219 W DAUPMN ST ENOLA PA 17025-2210 CARDMEMSER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 203 L L8 2 6 6 3 680 211• D ale: OP STdTES ri x O 0970328-;W? CUSTOMER3ERVICE p ?p a pn tlDis M U.S. 1-886305 016 4 t C?c Vwkmm Payment Duey: x/sa lrsa?.c. $85.00 Espanol 1.8084463308 TDD 1-800-055-8060 pay by Phone 1-600.436-7058 Outside U.S. Call Col. 1-302-594-6200 VISA ACCOUNT SUMMARY Aecornt Nunhberr: 4268 8411 6266 3660 Previous Balance $2,989.53 Toti Credit Liter 4.600 ACCOUNT INQUIRIES P Box O Payment Credits -$99.00 AVa9eble Credit . . $,1.527 nglon. DE DE 10850-5298 Wilm Purdhra, cari, Dalits .$1,120.37 Cagle Access tins $1.720 Finance Charges .$67.20 Avale0le tot Cash $0 PAYMENT ADDRESS Now Balance .076.10 P.O. Box 1SIS3 Wdmigton, DE 19086-6153 = :.US ra,? inkradicards, 8493317 Fl FYIRI F RENARIIS SItYYAR V To redeem you Rexide Rewards points cal Previous poirsa balance 507 1-600403-2265. or leg on to Points eanwd on pudwses this period 517 www.dhase.conJaeditcerds for 24-how access New total paints beWioe 1.104 to you rewards program. 110 Polls to expire on stalemate an or Sher AUGUST. 2013 TRANSACTIONS FINANCE CHARGES Finance Charge Daly Periodic Raw Carreap. Average Delay Due To Transaction Acmarxisted FINANCE Category 30 days in cycle, APR Balance Periodic Race Fee Fin Charge CKARGES Purchases .02463% 8.99% $848.31 $6.27 $0.00 $0.00 $5.27 Cash advahcaa V.05751% 20.92% $1,879.45 $3243 s2zoll $0.00 $5448 Convenience dada .02463X. 8.99% $871.94 $5.4 $0.00 $0-00 $6.4 Total lmnee dirges $5720 Effealw Annual Faraentage Rate (APR): 224041, Please sesaraormelion Abo01 Your Accoue section for balance computation rred od, grace period, and other important ireamation The Cc sspiNdirg APR isths Weer olives eal you pay ~ you ashy a balance on any, Iranseabn Category. The Effective APR represents, your total Trance charges - Gxhdig ut rsaelon bas such as cash advance &W balance hanslr lees - expressed as a percentage. This Statement Is a Facsimile - Not an original 0000001. F033MOS 000 N z 02 "a= I49a1 d1 ogee -a 181159 2]810000 =801201 X esso rrataae: rre,xa CHASE O pI a?wn?b OvduSe Diedos<?irPYes 0072 W of neaen. -Ws Data- 58 Of 75 Thane Amuum Date Reference Number Merchant Name or Transaction Desaiplion Credit Debit Statement for acoourd number. 4288 8011 am 3680 New Balance Payment Due Data Past Due Arnount Minimum Payment $6.17606 1 ir"s $0.00 $110,00 . Male year elect Wy"le to: Clhsas Carl Shhrvio- PNsaswrie smarm sl.dossd. New address or -11? Print on back. 426684118266368000013000005176065731646 L eta. z toms e WILLM B ZELNER 219 W DAUPHIN ST ENOLA PA 170252210 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19906.5153 L..111...IIL....LLL1..dd..LL.J111N....111.6d1..J 1:5000 L60 281: 203 L i8 2663680 tae 8493317 OpeninglClosing Dale: Payment No Date: 10!03109 - 11/02/09 CUSTOMER SERVICE 1111220109 1 pOSTAL S JCF Mir imum F.i $110.00 nEa{ MI 1-09o-9i463309 TOD /-000-56-9ow Pay by phone 1.000-4367059 Outside U.S. crroo0.n 1.302-5949200 VISA ACCOUNT SU MMARY Account Numinar : 4299841182993980 Previous Balance $4.079.10 Told Credit Line $8600 ACCOUNT INQUIRIES Box 16206 Payment. Credits -$85.00 Available Credit $3.423 Wililrn DE 19950.5208 nplon DE Purchases. Cash. Debts .S1.104.59 Cash Aoeaas Line . $1.720 Filence Charges +$79.37 Available br Cash $0 PAYMENT' ADDRESS New Balance .176.06 P.O. Box 15153 WllminptoR DE 190963153 1/191T U8 AT: vrwwr.dees cenvtredtcerds Fl FY IRI F RIEW AR nS 1-I_111111YARY To redeem yotr Flexible Rewards points, cal 1-0003033265. or log on to Previous da balance 1.104 Points owned an purdhesee this period 801 www.dhase.oorNaWteardatior 2Hhour access N. total points balance 1.905 to your rewards program. 110 Ponta to expire on steternem on or attar AUGUST. 2013 TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rae Conealt. Average Daly Due To Transaction Accvmhated FINANCE Category 31 days in cycle APR Belanccs Periodic Rate Fee Fin Charge CHARGES Purchases .02463% 9.99% $1.357.99 $10.37 $0.00 110,00 $10.37 Cash advances V.06614% 20.40% $2.374.60 $4133 $20.00 $D.00 $61.33 CorNahienee deck .02463% 6.90% $672.95 $6.67 50.00 11o.00 $6.67 Total Trance charges $79.37 Eitec9ve Annual Percentage Raw (APR): 310.48% Please ass information About Yo1x Accent section fa balanos computation method. grace Peri and other intlo tent Irdarmef on The Corresponding APR is the rate of interest you pay when you carry a balance on arty transaction category. The E9eelve APR represerm your total thence charges- inhhchxthg transaction bee such as cash advance and balance trarefar fees - expensed as a percentage. This Statement Is a Faesknile - Not an oilgkral 0000001 F033=03 000 N Z 02 0111100E Peat err OEM MM3M7 3Wra00eDl0aWM7a 0MMM200Na134e0 CHAS?rEQ sa o I " Zo.rm Mind i M in a on insert. Dws- I...III.1..1..1.1..1..11...1.1.... 11.1J...11 J.I...II.dI..1 16 of 75 Tram Amount Date Reference Nunber Merchant Nana or Transaction Description Cred9 Debit Statement for acco rd numb..: 4260 6411 8206 3666 Now Balance Payment Due Date Pest Due Amount Minimum Payment $6.01436 1222106 $0.00 $124.00 Mde rchedi e: Chase Card e-oIcea. en a er PWeewrfa arr Mow saeraN a &-m ail? Print Prin[ on Wdr. 426684118266368000012400006014385751282 sae ne zsus11c WILLIA?1/8 ELNER 219 W DAUPHN ST ENOLA PA 17025-2210 CAROMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19666-5153 L.JIL..111.....1.Id d...I.LJ.Ir..IIIL.....II IJAI...I 1:5000 L60 281: 203 L L8 26 6 3 680 2u' 8493317 ??1t??? Opanino%*:n0 Data: 11103A8 - 12/02706 CUSTOMER SERVICE M 2 02!'4JLl//JL ? kf"mum Payment Due: 124.00 $ Eap flol 1.066 48-7306 TDD 1-600-955.6060 Pay by phone 1-000-436-7958 Outside U.S. call edlew 1-302-5946200 VISA ACCOUNT SUMMARY Ac*Dml Number: 42as 9411 9200 3680 - Previous Balanos $6.176.06 Total Credit Line P.O. 2911 INCARFIES $6. . Boa Payment Credits 5110.00 Available Credit $2.585 rgMm rn, DE VVilne DE 196505296 Purchases. Cash. Debits 4W4 39 Cash Access line $1.720 Finance Charges .$63.93 Available for Cash $0 PAYMENTADDRESS New Belanca .01 .36 P.O. Box 16153 VVilminplom DE 1911963153 VISIT U8 AT: Fl FYIRI F RFWARES SUMMARY To redean you Flexible Rewards points. ml PreMWs points balance 1.905 14=44-2265. or l09 on to Points lamed on ptrtl18ses this period MS www.dtass.mmto adilcards for 24-hour access New total points belance 2.790 to yc r rewards program. 110 Points to expire on statement on or after AUGUST. 2013 This Statement Is s Facsimile - Not an w igtml OOOO00r cB33335C3 000 N Z m 01117002 Pyel OA 011718 MANIA son 33"00100300052ieln X CM a n2rt CHASE O pqllca]ItWwryaPYyma?nyl PBrdl?iel'l?ro?r Dian o Kill n0 badl W YIaBR I...I I i.l..l..i.1..1.. i 1...1.1....1l.I.i...ll..t.i...11..11..1 48 of 75 TRANSACTIONS Treys Amount Dale Relarerhce N.mtw Merchant Name or Transaction Description Credit Debit OpenngfOosing oils. 11/0318 - 1212/08 Aocaunt Number. 4266 8411 8286 3680 Pepe 2 014 FINANCE CHARGES Finance Charge Daily Periodic Rose Coreap. Average Only Oue TO Transecion Accumulated FINANCE Category 30 days b Cyd@ APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .02463% 8.997. $2.350.28 $17.37 $0.00 $0.00 $17.37 Cash advances V .0547M 19.99% S2.442.64 $40.14 $0.00 $0.00 SM.14 Cmvervahca check .02463% 8.99% $866.45 $6.42 $0.00 $0.00 $6.42 Total finance charges $63.93 E1%dIw Annual Parcemlage Raft (APW 13.551E Please ass htomrtion About Your Account section br balance cornpulation method grace period. NO crier important ihtortnstion. The Corresponding APR is the rate of ireereat you pay when you carry a balance on any transaction category The EBecavs APR represents your told finance charges, -including transaction lees such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS Guard against identhy theft and manage your credt inbrmation with Chase Identify Protection. Gel owese lo your credit report and score, defy monitoring at your credit ilea, *rMly darts and more. To pureha". call 1896717-7534 or visit www.chassidproocion.corn 8493317 This Statement Is a Faasim0e - Not an WgInal X owosm nsum c, a 00a M Z M 0012'2 P.V 2 d A 08216 MAW 5791 33710e00Da6etbtlerW 50 of 7S Statement for acoawn number- 4265 !411111-/2 3650 New Selence Payment Due Date Past Due Armra AKNnum Payment SSMS22 0127199 $0.00 $141.00 nvl o Cases writs 8 Pwae rresri nt 0-fri nrJ9rW. N.w .edrrin urrtri? Print on 6adr. 426664118266368000014100006965325767250 WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 1...Illr..fll...r.1.1.I.1...I.1.J.1...?1??.r.u.lnLo1 CHASE O 101 ?er? rel OM readtzpw its6 ves on of nsed. ,Ross U.6 CARDMEMBER SERVICE PO BOX 15153 WILMINGTONDE 19686.5153 e:5000 Lf20 281: 203 L L8 26 6 3 680 21r 8493317 OpaninyWaingDate: S TQ Paymaa Due Dale: I?J03MB-01102/09 CUSTOMERSERVICE 01/27/09 In U.S. 1-888-305-4016 , 4jjWVKaz Aenimum Payment Due: "pOST $141.00 Espaw 1-888.4463308 TOD 1-890.965-0060 Pay by phone 1-WO.4367958 Outside US. call collect 1-302.594-8200 VISA ACCOUNT SUMMARY Assent Numbs: 4205 6411 e26e 3680 ACCOUNT INQUIRES Prwtaus Balance $6.014.38 Total Credit! Line 15290 $0.600 P.O. Box Pay. as t Credits -$23420 AVORWO Credit $1.634 111Fi1Mrlgtan, DE 19850.5298 DE Purchases. Cash. Debts .$7.113.24 Crush AOOeas Ilene $1,720 France Charges 471.90 Available for Crash $0 PAYMENT ADDRESS New Balance 0.965.32 P.O. Box 15153 YNirninglon. DE 19886-6153 VISIT US AT: FI FMMI F RFWARM CI IUMARY To redeem your Forcible Rewards pontes call previous points balance 2.790 1-000-603-2265. or log an to Points eerne0 an purchases this period 1.004 www-chwe.eonyaed8cer I for 244iour access New 101al points belance 3.724 10 you rewards, program. 110 Poina to slupre an ststatrent on or after AUGUST. 2013 This Statement Is a FfsmkWle - Not an original 0000001 FISYla1.03 000 N Z 02 0601,02 Pv.10. Ono 4M MA 9m4 O ooaaomooos n Z am Ns,mu net2 60 of 75 TRANSACTIONS Trans Anmrd Date Relerence Number Meacham Name or Transaction Description Credit Debit Opaning/aosing Date: t awme - 01/0?/O9 Aocaurd Nunbar: 4266 8411 8266 3680 Page 2 014 FINANCE CHARGES Finance Charge Deily Periodic Rae Correap Average Daly Due To Trernlction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee F. Charge CHARGES Purchases .02463% 8.90% $3,25722 $24.87 Woo &0.00 &24.87 Cash sdrertm 0.05271% 19.24% $2,472.53 $40.40 $0.00 &0.00 &4040 Convenience check .02463% 6.990. $868.33 &6.63 $0.00 &0.00 $6.63 Total franca charges &71.90 effective Annual Pencet age Rate (APM: 13.07% Please sae Information About Your Account section lor balance computation method grace period. and other irnporant The Corresponding APR is he rate of interest you pay when you carry a balance on any transaction category. The Effeclive APR represents your total linwm charges - including transacson lees such as rash advance and balance traraler lees - expressed as a paicertage. IMPORTANT NEWS Please note that your payment due date has changed atlecive this rnorah. To adea a payment duo data that hosts beat for you. please tall aalDmer sarvi®. To pry he emoun due, you urn some our websita displayed on this slatenam. or call us at 1-6004367958. 8493317 This Statement Is a Facsimile - Not an odgklal X eteaea Rnaessca ate e z m aemae PW2a4 Cress uAVA atata 00210000030001505402 62 of 75 Payment Der Data New Balance Past Due Meant Unknua Payment 07!!1/00 57,716.20 $II.Da ('15500 Ae e ounl Iawltbsr: 4288 8h111 8706 3880 ` Yalar year check py?W te Q Qua Cut lervleea. W Ppaewrb anebsad. New eddreu a a .. •mel? Print m ado. 426684118266368000015500007716200000005 2meo spc z 00808 c WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 170262210 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 L11I11.1.IIL....LIeLLnllllll.LoIIIL11a1.11Llldla.l is 5000 160 281: 20 3 L L8 26 6 3 680 2ne dL SERVI St -3109 -lit Dais: Olro3ro9OL02ro9 g syw??we M?ece; WAmun Payment: 5755.00 Payment Due Dale: 02r27rot Addnlend tenter Inleemeven ACCOUNT SUMMARY VISA Ateeunt Number: 4266 6411 8268 3 conwNiwtnynomed tore errs. sta. Prewota Balance 56,965.32 Told Crain Line $8,600 Payment Credit s141.00 Available Credit $003 Purchases, Cash- Debits +5013.13 Cash Access Line $1,720 Finance Charges +$7875 Available for Cash 50 Now Salinas 7.71620 FLEXELE REWARDS SUMMARY PrWous palms balance 3,794 To redeem you Flexble Rewards pons, cep Points ere ned n prdhass riffs period 514 1-9=- 2265, or log on to New total points balance 4,609 -1kra6lwrds for 24-hour sews to your rewards program. 110 Points to &)Ore on slatemem on or sitr AUGUST, 2013 ACCOUNT ACTIVITY Date of gll AAtirchant Name or Transaction Description 1111 Arngpl Ollie Payment - Thank You -141.00 01104 GIANT FOOD X263 ENOLA PA 83.42 01/06 GIANT FUEL #263 ENOLA PA 11.25 01/07 ADVANCE AUTO PARTS #1230 ENOLA PA 70.59 01/12 TURKEY HILL 9290 ENOLA PA 1400 01/13 MAIL BOXES ETC ENDIA ENOLA PA 158.03 01/15 GIANT FOOD #263 ENOLA PA 16106 Ollie SUNOCO SVC STATION ENOLA PA 15.00 01/18 BEER AND SODA DEPOT ENOLA PA 26.37 01119 PLN'PRICELINE.COM HTL 800-667-9160 CT 125.78 01/19 PLN'PRICELINE.COM HTL 800.667-0168 CT 12579 0127 ONSTAR SUBSCRIPTION afle-41ONSTAR W 18.05 FINANCE CHARGES Finance Charge Daly Panodie Rate Cormap. Average Daily Due To Tmneacion Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rat Fee Fin Charge CHARGES Purchases .02463% 9.80% $1,066.66 $31.05 WOO $o.OD $31.05 Cash advances V.05271% 1924% 3.2.513.16 $41.07 $0.00 $0.00 $41.07 CahveriencedVKk .02463% 8.90% $868.44 56.63 $0.00 $0.00 $6.63 Taal finance, charges $79.75 EtbclNa Annaual Parma tags Rays (APM: 12.68% Please sae ktormelbn About Your Account asdtan fa balance computation. elhoe, gram period, and otm important inbnnalion. The ConasponOng APR is the rats of interest you pay when you wry a balance on any lransecion category. The Endive APR represents your tad Mince charges - ndudng transaction fees Such as cash advance and balance tender tees - impressed as a percentage. IMPORTANT NEWS We are bringing you dear and simple! Tale a look at 1M new, bmul of your atatrnent - we hops you fie it saw to reed 0 st0 has everything you need on Im!tom and bads with lydormaion simply displayed. 8493317 This Statemerlt Is a Facsimile - Not an original ODOM FE33MC3 000 N 2 02 0e421e2 hge/w/ MM eusau 20M Gilt OODOmD0020e000t CHASE O I...III.F..I..i.I..1..i1...1.I.... 11.1.1...11..1.1...11..11..1 66 of 75 Papua t Due Dale Now Balance PaM Oue Amount Mnbnam Payment 07!DAIi :7.6,0.55 $It.d6 sl5aoo AttleastA .nwrtbar: 4ZOe 0411 9299 3090 . Ilsan yew cancer Papeete w: Ore Carl mcum er Plwpwres area-anebsn New address or e-md? Print t on ands. 4266841182663680000156000078195558D7840 2ex ran z oaa c WiLLUtii?9''lELNER 210 W aAUPAN ST ENOLA PA 17025-2210 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 10806-5153 1-111 ... 111..... Ll.LL.1 L1..1.1 u.li ll...... 111.1..11...1 ,:5000 i60 281: 203 L L8 2663680 tae 8493317 Statement Data. 02fi3J00-03/02p0 g a\nege yore e0eeum 0.law: Minimum Payment: $156.00 Payment Due Date: 0=7A10 Aadltlcnal 0004eC ilferttwtlen ACCOUNT SUMMARY 'ASA Aeocurd Min bw- 42-66411 6266 conveniently loct0a on rwe scla, Prewons Balance $7.716.20 Total Crem Lire $6.600 Payment, Credits -$155.00 Avetiable CrKM $780 Pudhssas. CaM, Debts 4$184.81 Cash Access Line $1.720 Finance Charges S7374 Available for Cash $o New Balance 7.01a.55 FLEXIBLE REWARDS SUMMARY Previous pours balance 4.806 To redeem your Flexicle Reward points. cell Points sa ed on purchases "a period lay 1-800.603-2265- or lop on to New loud points balance 4.703 wwarchaw.corntredlicards for 24-hour scam to your rewards program. 110 Points to expire on alaternenl on or a11ar AUGUST. 2013 ACCOUNT ACTIVITY Dialect Tra usclon Madura Name or Transaction Dewwypn jArngpl 02110 Payment Thank You Electronic Cic -155.00 02102 EXXONMOBIL 47624317 GREAT BEND PA 22.00 02/08 ALS PEA AND SUBS ENOLA PA 33.45 02/14 SHELL OIL 57543471007 ENOLA PA 18.00 02/15 PUFF N SNUFF ENOLA PA 26.45 02117 TBE'HAWTHORNE ARCHITEC 900-772-42771L 25.31 02/22 GIANT FUEL M3 ENOLA PA 13.00 02!24 PUFF N SNUFF ENOLA PA 28.45 02/27 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18115 FlNANCECHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Feef Acarmulated FINANCE Category 28 days in cycle APR Balance Periodic Rats Service Charge Fin Charge CHARGES Pmchsees .02463% 800% $4.361.73 $30.08 $0.00 $0.00 $30.08 Cash advances V .05271% 10.24% $2.552.52 $37.67 $0.00 $0.00 $37.67 Convenience check .02463% 8.00% $6e8.46 $5.00 $0.00 $0.00 $5.00 Total finance charges $73.74 Effective Annual Percentage Rafe (APR): 11.369E Plasm acs INormatan About Your Account section for balance curptmaion method. gram period. and other important. irdonnation The Corresponding APR is the real of interest you pay when you carry a balance on any kansecion category. The Efteaim APR represents your local Lane charges - ihdudeg transaction fees such as cash advance and balance transfer less - expressed as s percentage. This Statement Is a Facsimile - Not an original ODGDM" FI33MC3 000 N Z as ONOLe2 P.O.1 O1 ear! M MA 24254 001100e00900@MES401 X ODSOMa135w CHASE 0 ppICarhh IW rsed „hara tl?Cla Oiadoeves on nser? reals. 01114- 1...111.1.11..1.1.11..11...1.1....11.1.1...11..1.1...11..11..1 14 of 75 Payrnaa Due Date Name Balance Pmt Due Amount Minimum PaymsM OV77/06 58,087.72 SD.09 S1K00 Aeeoult number: 417!6 N11 8786 3680 M.le your eho* ppMe le: chasecard 9erNws. PWsewrite ano nt erdosed. New sddrsas «e-mil? Print on Dad.. 426664118266368000016400008087725825718 1el7.66t Z 01000C WILLOW 8ZELNER 219 W DAUPHIN ST ENOLA PA 17025.2210 e: 5000 160 281: 20311,8266368020 84933?7 Additional ooh ht adeWr eeem oo-e oy looted on nsverse side ACCO WIT SUMMARY VISA Aeeeurd Number: 4266 9411 6266 366 Previous Balance $7.619.55 Trial Credt Line $8,600 Payment, Credits -5156.00 Avelable Credo $612 Punclumea, Cash, Debils .5340.61 Cmh Access Line $1.720 Finance Charges ?$83 W Avelable for Cesh so CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 . •_,-,..? Smurnern Dale: lJr?,1M/ lf/I Jt•, 03/0 b3/09 09 - 04/02b9 Ilr.nge yew saaure anfne: MWnmm Paymaltc $164.00 Payment Due Dale: OV27/09 .087.72 New Balance FLEXIBLE REWARDS SUMMARY Previous points belalea 4,793 To redeem your Flexible Reward point. call Poirot-, ed on purchase his period 341 1-800403-2265, or 10g On 10 Now total points balance 5,134 wwwdtaw.ccrnitrsdtards la 244iour access to your rewards program. 110 Points to algire on statement on or ailer AUGUST, 2013 ACCOUNT ACTNffY Date d Trensacf0n Madlarm Name or Transaction DesaiAion I Amouril 03121 Payment Therk You Electronic CHt -156.00 03/01 RUTTER'S FARM STORES a CARLISLE PA 20.00 03104 PUFF N SNUFF ENOLA PA 25.45 03/10 GIANT FOOD 0263 ENOLA PA 35.65 03111 SHELL OIL 57543471007 ENOLA PA 26.00 03/14 ALS PLaA AND SUBS ENOLA PA 34.67 03/14 WINE 6 SPIRITS 2108 ENOLA PA 22.25 03/17 TBE'HAWTHORNE ARCHITEC 800-772-4277 IL 26.31 03118 GWNT FOOD 8263 ENOLA PA 60.02 03124 PUFF N SNUFF ENOLA PA 26.45 0327 ONSTAR SUBSCRIPTION OW-40NSTAR M leas 0328 COLD CASE BEER HARRISBURG PA 19.86 04101 GIANT FUEL 8263 ENOLA PA 24.00 FINANCE CHARC36S Finance Charge Transactor Daly Periodic Rale Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rea Service Crags Fn Charge CHARGES Punlvaa .02463% 649% $4,527.29 $34.57 $0.00 $0-00 $34.57 Cam advances V.05271% 1924% 52.592.52 542.36 $000 $0.00 512.36 Cornaiwtw dledt .02463% 6.99% sma.71 $6.63 $000 $0.00 $6.63 Total fnmm charges $83.56 EfleeWe Amoral Pert en age Rate (APR): 12SwL Ptme we rdorrn rtion About Your Amount section for balance cornputaaon method, grace period. and ohs inwonatt inlonnstion The Cwmgwv&V APR is Vw tats d interest you pay when you arty a balance on any trsaacton category. The Etlaave APR represents you btal Nance chases - including uatsaCion lea such as cash advance and balance transfer teas - expressed as a percentage. This Statemerlt Is a Facsimile - Not an original 000= Plad»C3 000 N Z at aA.e2 Pgel dl 000 M wlove oemossomomtetrsm OD50 Ne176a r10103M CHASE 0 r'n Z w--., cur" 1...111.1..1..1.1..1..11...1.1....11.1.1...11..1.1...11..11..1 10 of 75 mrn Payntant Paymerd Due Dab New Balance Prt Due Am Lni Mlnk ? • asi27la Se.z4o.3s w.oo U A?eotrM rarttbar: 4206 M11 6206 3660 Mal. Ilona draaa Psyableto: Chou Card Sr.br. . Pass,wru ameun andosed. New address a e-nhal? Print on back. 426684118266368000000000008240350000007 Scan eDr Z 12M C MLL1AM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 Additional contact Int.rnatlan oonwni.ef l-dini on s id. ACOOUNTSUMMARY VISA AeoaumNUmle:4266wtt82663aa Previous Balance $8.067.72 Total Credit line $8.800 Payment.Crodtb -$164.00 Aveiable Credit $359 Purchaaaw Cseh- Debits +5233.95 Cash Access tine $1.720 Finance Charges +582.68 Avaiablefor Cash 5o 1:5000 060 28e: 203 L L8 26 6 3 680 2aa 8493317 statement Date: VMSTATES g 0N3109 - 050109 MaMga yaw aQOUM ealinc PCSTALSERVXF- outs Minimum Paynhrht: 50.0D amasbtda. P.ym«tt Due Dale: 0s27M New Balance .240.35 FLEXIBLE REWARDS SUMMARY Previous points balance Points awned an purclraae this period New tote! points balance 110 Points to a tpire on statement on or atler AUGUST. 2013 CHASE 0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 5,134 Thank you tar Long the credit card that Berne 234 rewards that can be used for travel. gilt cards- 5.368 cwh. or merchandise. RamMnber. you can redeem a wide salection d SSo gti cards for 5.000 point. SkVy go chase mrWrawards and use your rewards today! Your Chase Rmdb!e RetMVda credit card same 1 point for every $1 you spend on purdrwea Earn up to an additional 10 points while shopping online through www.c ase.oarMawardapue. Add w1hori ed users, end sign uP 10 have your nanNy bills charged b your cm:L too. Why not get rewards tar an thosepurrthasee too? Ms tM simple. Srrgly w dose cDmftwards b choose your reward today! Redmm your Points anytime. or just credt out new otlere al Www.chase.CWVrSwards. ACCOMTT ACTIVITY Date of Trense 2 Merchant Name or Transaction Deaantion amount 1 11 04119 Payment Thw* You Electronic Chk -164.00 0403 PUFF N SNUFF ENOLA PA 28.51 04/07 WART 9123 ENOLA PA 21.79 04/14 TBE'HAWrHORNE ARCH!TEC 800-772.4277 IL 26.32 04116 TBE'HAWTHORNE ARCHITEC 900.7724277 IL 26.31 04/17 BEER AND SODA DEPOT ENOLA PA 23.84 04/18 GIANT FOOD 0263 ENMA PA 59.72 04/23 PUFF N SNUFF ENOLA PA 28 51 04127 ONSTAR SUBSCRIPTION 8084ONSTAR M! 18.95 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rae Correap. Average Daily Due To Feel Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purc haaee .D2463% 8.99% $4.682.68 $34.60 $OAO $0.00 $34.00 Cash advances V.05271% 19.24% $2.634.52 $41.66 50.00 $0.00 $41.66 Convenience check .02463% 8.09% $068.65 $6.42 $000 $0.00 $6.42 Total lnance charges $02.68 Etbetive Anmral Percentage Rase (APi): 12.12% Plate" awe Worrnation About Your Aorourd section for balance cerrpttaaon method- grace prod, and other irnportani indomraWn The Consapandrg APR is the re` of interest you pay when you nary a balance on any transaction category. The Etler;ve APR represents your total finance charges - including transaction fees such as cash advance and balance, transfer tam - expressed as a pereartive. This Statement Is a Facsimile - Not an original 01)a0M FI833MC3 ago N Z 02 amo2 Pq.t d2 Croats --"077 12n00e000amSSa . X assn 2 of 75 Slalarnard Dole: OWM9 -OSr02PoG Acc4urd Number: 4266 6411 6266 3660 Pepe 2 of 2 8493317 IMPORTANT NEWS CONTINUED You haw the ta"rV 10 slip a psynnena. Ybll mba! pay past due and ovwlimit bdwwes wwnedoWy. Fbrrewr. tw ramainwup mwrtum paymsuA br9is marsh has bean reduced to $o. Fwwnca Menges olA contwue to acaua. To reduce your balance, feel too to make a payrnem. Tills Statement Is a Facsimile - Not an onglnal X omemn Rs3 sca mo a 2 02 oam@ rg2a2 o wM Sao" 12110000030005567702 4 of 75 Payment Due Dar Now Balance Past Duo Anwvnt Onknum Payment 1tILIZlA3a $e,e4o.a1 $o.oo $214.61 Account rarn6w:4206M11 8208 3880 Water your cheek payable a: Anse Card Oervleas. PMSetttrb errokrht arkeJofad. Neer sadness a aural? Print on back. 426684118266368000021461008640610000000 aZr.saok ZIs c WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025.2210 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19995.5153 l: 5000 L 60 281: 20 3 L L8 266 3 680 2me 8493317 f a? " Nr ME .7G1[?Il?.?. Staiernem Data t75A3AD8-06/02b9 g AMM b Ydmull Payment: $214.61 Payment Due Date: 06x17= A"21-d cereaet Irlennahlen ACCOUNT SUMMARY MSA Account Number: 42156 8411 BM 3i84 Precious Bapnce $8.240.35 Total Credit tine s6.600 Payment. Credit -$164.00 Available Credit $0 Purchases. Cash. Debits .$476.33 Cash Aeoasa Line $1.720 Freres Charges 4117.93 Available for Cash So New Balance .640.61 An overtime lee was assessed when you acoount exceeded the established credit limit. FLEXIBLE REWARDS SUMMARY Pf"* s Potts Balance 5.366 Thank you for using the a vdil card that ears Points Earned an Purchases, The Period 436 rewads no can be used for travel. gilt cards. Points Earned Through C have Raesms Plus 0 cesh. or mechvid". Ransrilw you can Now Toad Points Balance 5.606 redeem a weds selection of $60 gift Cards for 5.000 points. Simply go chse.carfytealards and use your rewards today! You Chase Ramble Rewards vedit card soma 1 point for every $1 you spend on purchases. Earn up to an additional 10 Points white shopping alas 1wough wwvrichaw.comkewrmplus. Add authorized users. and sign ap to have your monhly bias charged to your card, too. Why not get rewards fa as those purchases too? Its that simple. Simply go chase aankawrds to choose your reward today) Redeem you points anytime, or just erect oid nnw oilers of werw.c hsse.comkowards ACCOUNT ACTIVITY Date of Tmmseeeon Merchant .na or Treh.a ion DesmMion 9 Amount 05115 Payment Thank You Electronic Ctk -164.00 05101 WMSUPERCENTER MECHANICSBURG PA 33.74 05102 SHELL OIL 57543471007 ENOLA PA 20.01 05104 PUFF N SNUFF ENOLA PA 25 51 05107 COLD CASE BEER HARRISBURG PA 31.67 05/10 BEER AND SODA DEPOT ENOLA PA 38.13 05/10 GIANT FUEL #263 ENOLA PA 26.00 05113 GIANT FOOD #263 ENOLA PA 72.66 05/14 TSE-HAWTHORNE ARCHITEC 800.772-42771L 26.31 05119 GIANT FUEL #263 ENOLA PA 43.00 0521 PUFF N SNUFF ENOLA PA 28 51 05127 ONSTAR SUBSCRIPTION aaa-4ONSTAR MI 18.95 05/31 BEER AND SODA DEPOT ENOLA PA 23.04 05130 SHELL OIL 57543471007 ENOLA PA 37.00 06102 OVERLIMIT FEE 39.00 This SWernent b a Fatmtknlle - Not an adglrml 0000001 F003MC3 am n z oa oam&w P.e.te3 Des wwl21U 15ht000000o00 ,Wive CHASE ?...IIL6.1..1.L.L.11...LL...Il.i.l..,n..l,l...ll..ll..l 40 of 75 Statement Dole: OSIM9 - 06102" Account Number: 4266 5411 5266 3680 Page 2 of 2 FINANCE CHARGES Finance Charge Transaction Deily Periodic Role Correep. Average Deily Due To Feel Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fm Charge CHARGES Purchases .02463% 8.99% $4.918.30 $37.55 $000 $0.00 $37.55 Cash advances V .05271 % 19.24% $2.677.21 54175 $0.00 $0.00 $43.75 Convenience check .02463% 6.997E $86771 $6.63 $0.00 $0.00 $6.63 Total finance charges $67.93 Elective Mewl Percentage Rata (API): 1246% Places, ace nformalion Aleut Your Account section for balance cwgxAarion me8hod. grace period, and other important nlormelion The Corresponding APR is he not of interest you pay when you carry a balance on am, trensacaon category. The Effective APR represents your total linwce charges - including Yanssaion lam such as cash advanca and balance transfer fees - expressed m a percentage 8493317 This Statement Is a Facsimile - Not an original X o0moel Fl407035 Ca M M r-'Os, GWOd@ Pa0e202 oats W W t2h.e 15s00ooo30owa.m 42 of 75 Payment Due Date New Balance Past Due Amount Mnlmum Payrnrh mrnroi $6.557.75 $gOd 577200 Aecantatl rnattber: 4208 8411 8268 388D Meta: year check P.Vw to: caw Card Bevle.e. err r.rntenclosed. PMae dyes New address or ?mei? Print on betl.. 426684118266368000017200008557750000002 ®meo.zls c WILLIAM B ZELNER 219 W OAUPIiN ST ENOIA PA 17025-2210 I...11L.Jll.n...61.1.1n.l.lul.l...1111...... ll l.L.11..n1 1:5000 i60 281: 203 L i8 266 3680 28e 8493317 Addlamet cone t Irlt-tlan e9nwn:eney tocwed m n vane side ACCOUNT SUMMARY NSA Aecaurd Number: 4266 8411 8266 PrawOUS Balance $6,640.61 Total Credd Line 58.600 Payment Credits -5214.61 Awlatle Credit $42 Purchases. Cash, Debits +$45.27 Casa Access Line $1,720 Finance Charges -$86.48 Available for Cash so CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886,5153 ?//,? ??,????a/l/e??T?? Statement Date: ?r4..G7[L.IIE 06/03109-07/0209 g M.mse year.«wnt online: r.L SF•R Minimum Payment: $172.00 leesaa shast.9??Ms[93. Payment Due DOW: 07/27MO New Balance 8,557.75 FLEXIBLE REWARDS SUMMARY Pnwous Points Balance 5,806 Thank you for using the Cnedl card that eons Poiris Earned on Purchases This Period 46 rewards l hat can be used for travel, gill cards. Points Erned hough Chase Rarrards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 5,852 redown a wide selection of $50 gift cards for 5,000 points. Simply go dhsse.k:or M wards and use your ravords today! Your Chase Fler&ft Rewards Credit cad same, 1 point for every $1 you spend on purchases. Earn up to an additional 10 pane whsle Yhoppag -sine through wwwdaM.eornhweardsplus. Add su0wrized users, and sign up b have your monthly t0s charged e your Cad, too. Wily nd1 ga fswads to all Bhoas purchases too? lfs fat *We. Simply go c hase.o nkewards io Choose your reward today! Redeem your points ayfima. or just check out new offem of www.drase.canhewerds. ACCOUNT ACTIVITY Date of Traneection MardhemNamerTrenasclionDeeaiOtion I Amount OIg20 Payment Thank You Efectronc Chk -214.61 06123 TBE'HAWTHORNE ARCHITEC 1100-7724277 IL 2632 06x27 ONSTAR SUBSCRIPTION Bas40NSTAR MI 18.95 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rae Correep. Average Deity Du* To Fee/ Accumulated FlNANCE Caegory 30 days in cycle APR Balance Periodic Role Service Charge Fin Charge CHARGES Purchases .024631E 8.9971 $5,012.55 $37.04 $000 1;0.00 $37.04 Cash advances V.05271% 19.24% $2,720.59 $4102 $000 $0.00 $43.02 Convenience deck 02463% 899% $868.87 $6.42 $0.00 $000 $6.42 Total /nonce charges $0640 Effective Annual Percentage Rats (APFI): 12.069E Please sea Information About Your Account section for balance, computation method. grace period, and other important information The Cormapodeng APR is the tale at interval you pay when you camy a balance on any transaction category. The Ettsclive APR represents your total inence charges - including transaction is" such as cash advance and balance wansler tees - expressed as a percentage. This Statement Is a FacskWle - Not an original aooom r-doa 6C8 006 It Z 02 OAeh02 ?a.tat oars win 0=00 tanleoaomodooaooa zo" CHASE O f...111.1..1..1.1..1..11...1.1....) I.I.[...11..1.1...11..11..1 54 of 75 Paymem Due Dale New Balance Pmt Due Amount 9011nYSurn Paymanl o9rnra 16,520.68 Eo 00 :17400 Acewrtt tuwflbae: 4288 8411 8206 368D gyslMm: check iYksyour !mesa card lsrv', ro w Pbspwras,merest snebeod. Nrnr seiner or *Mil? Print on c.a. CHASE 0 426684118266368000017400008520660000000 ,acne00,zrr c WILLIAM B ZELNER 219 W DAUPHIN ST E%I PA 17725-2210 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 L..III,,.111r..,.11.1.1...11„LL..IIIL.....II LL.I L.rl 1:5000 L60 28f: 20 3 L L8 266 3680 21t' w. PO E Statement Darr. 07103:09-0702/19 H larr,oysywrooewnt oelins: RYlM.G. MPM 11E189. rdi Mrrmvn PayraerH: 1174.00 Payrnam Due Date: W27M Aad!tlmr owe-t 10. a- mnv.riontly Icctad on r.var?o id. ACCOUNT SUMMARY VISA /ouches Number: 42669411 112+6 Previous Balance 16.667.75 Total Credit Una, 16.600 Paymn6 Credits 4172.00 Available CreQt 179 Ptrdhasas, Can, Datifs +145.59 Cash Access Line 11,720 .. Finance Charges 489.32 Avaiabls1or Cash 1o New Balance .620.66 FLEXIBLE REWARDS SUMMARY Previous Points Balance 5,652 Thank you for using the credit card fiat srta Points Earned on Purchases This Period 46 rewards Last can be used for travel. gnt cards. Points Earned Through Chase Rewards Pks 0 cash. or merchandise. Rermmbw. you can Nov Total Points Balance S,89s redeem a aide selection of 160 gift cards for S.000 points. Simply go c aso.contrewards and use your rewards today! Your Chase Fkcdtte Rewards aedil card awns 1 poke for every 11 you apend on puchssea Ease up to an additional 10 points while shopping orbs trough wworc asecontkewerdous. Add sut hodzed wars. and sign up 7D have your Mmlhly bibs charged to your crq loc. Why not gal rewards for sit those protases too? Ifs that ample. Sinhply go c ase.cornfiewads to choose your reward today! Redeem your points anytime, or lust check out new offers at www.chase.camrewerds. ACCOUNT ACTIVITY Detect Transaction Mra,ad m or Tran-lion Description lArn.ount 07/21 Payment Thank You Becaonic Chit -172.00 07118 TBE'HAWTHORNE ARCHITEC 800-772-4277 IL 25.64 07127 ONSTAR SUBSCRIPTION 888.4ONSTAR MI 18.95 FINANCE CHARf3ES Finance Charge Traraacton Defy Periodic Role Corrsep. Average Daily Due To Fee! Accumulated RNANCE Category 31 doge in cycle APR Booms Periodic Raa Service Charge Rn Charge CHARGES Purchases .02463% 8.99% 14,913.29 $77.51 1000 10.00 137.51 Cash advances V.05271% 19.24% 12764.67 145.18 1000 10.00 145.18 Convenience check 02463% 899% 1068.96 16.63 $000 10.00 16.63 Total lance charges 189.32 Efseetlve Annual Percentage Rats (APR): 12.54% Pisan ass Intommoon About Your Account section for baka ce cornpudalioo meted. grace period• and orier inponrt information The Corresponding APR is the rats of inlereal you pay when you carry a balance on any vansacfon category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance mailer lees - expressed as a percentage. 8493317 This Sl atement is a Facsimile - Not an odgkmi 0m100r F11130411603 OD0 N 2 02 oabea Py.l dt case mmm hose 21t1000Dm aloes X am mm3ms 68 of 75 Payment Ohre Date New BWnos Pass Due Amount Mi. to Payment ONDAT. Se.s3e.9, Sgoo 517400 CHASE 0 AeeOUrIR rsstatber: 1256 &1,18204 3810 IiaYe yeereMdr pyeWem: 7p p?1 l " P?ymM tt G h f7hwt?ard 9arrlse? 1 y? qq a e w s sh ? l . Pleasewras amount onalosed. in b of nae Dia ra er tlo Now add- a ?nei?' Print on bads. 4266841182663680000174aaaa853691000000005909327 Woos t: I...II1.I..I..I. I..I..II...I.I....11.1.1...11..1.1...11..11..1 WILLIAM B B 2EL ZELNER 219 W DAUP W N 3T CAROMEMBER SERV ICE ENOLA PA 170252210 PO BOX 15153 WILMINGTON DE 190665153 L.dllo.111.....LLLLh.LL.LIodIIL.....1161..11.td 1:5000 1,60 281: 203 L L8 266 3 680 2ae 8493317 p???T,,??DSTdTIES oero3'o"otrotw or ?rVV AL.5E YRL. e lenlmtan Payment: 5774.00 Paymem Des Darts: 0927109 ACCOUNT SUMMARY AccorN Nor bov: 4266 &111 92as Pnsviots 8abnce 56.520.66 Total Credit Line $8.600 Payment Credits 4174.00 Available Credit $63 Purchases, Cash. Debits 4100.74 CashAooss Una $1.720 Finance Charges 40951 Avalable for Cash So New Balance .536.91 g M\Maa yen account enaM: AMOLdlMSLSZMtM2ddGKdl A"uanat ewdeat lot don aonvari-fir !octtad m rs»ne aide FLEXIBLE REWARDS SUMMARY Prevhohs Poirds Balance 5.668 Thank you for using the credt ad that same Pars: Earned on Purchases The Period 101 rewards Bat can be used for travel. gins cords. Pams Earned Through Cure Rewards Plus 0 cash. or nsrc andise. Remember, you can Now Total Pants Balance 5.996 redeem a wide selection of $60 gift ads tar 5.000 paras. Simply go dlase.oon*ewards end use your rewards Today! Your Chase Fkadde Rewards aedt card earns 1 pairs for wary $1 you spend on purelmss. Earn up to an additional 10 points while sh oppkhp aOka through www.dfese.cwnkm 4opls. Add ouBwrized users, and sign up b haw your monthly hies charged e your card, too. Why not get reward:lor all those purchases Poo? Ks the simple. Sitpy go chase.mmtrawards to choose your reword today! Redeem your points arip fin 9. or just c urc k out new offors al www.ceee comkewads. A Date of jransusclon Marchetti Name or Transaction Desaiotbn I Amount 03117 Payment Thank You Electronic Chk -17400 06/15 TBE'HAWTHORNE ARCHITEC 800.772-4277 IL 26.64 06114 PUFF N SNUFF ENOLA PA 26.51 0620 TSE'HAWTHORNE ARCHTTEC 600-772.4277 IL 26.64 06127 ONSTAR SUBSCRIPTION OBB-4ONSTAR MI 16.95 FlNANCECHARGES Finance Charge Transaeion Daly Periodic Rase Corresp. Average Deily Due To Fee/ Acalmulaed FINANCE Category 31 days in cycle APR Balance Periodic Role Service Charge Fn Charge CHARGES Purchase 024637E 6.99% $4,641.15 $36.06 $0.00 $0.00 $36.96 can advances V.05271% 19.24% szolo.21 $45.92 $0.00 50.00 $45.92 Convenience check .02463% 6.99% $1966.22 $6.63 $000 $0.00 $6.63 Total finance charges $69.51 EffecBw Annual Prceltage Rata (APFQ: 12 am Pleas sea Into ...so n About Your Accent sedien for belsnes corrpular on rnwlhotL grace period. and other Wrportant lnlormatlon The Corresponding APR is the rats d Ynsress you pay when you carry a balance on any transaction category. The Efbdfve APR represents yam laid finance charges - indudiM transaction two ouch as cash advance and balance transfer fees - espresild as a percentage. This Statemem Is a Facsimile - Not an orlgklal ODOOM F1333MC3 000 M 2 02 MGUV ?gatat ORS r.WaNttma 245ta00DOWMiO" X mac om3m eat:e4 72 of 75 Payment Due Date Now Balance Parer Due Arroad Nkdmum Payment ,OJ27AT. sa555.,7 $o.oo -.z.- CHASE O Aceourfl mratfbes: 4256 M11 Am6 3580 g_ A""? da?oiidid B:af oToan. ed. Chose C id seost andosed. Nw addres a e-mJ? Print m a4. 426684118266368000020500008555170000DOOD5925640 1> 086XzZ?Mac WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 II II...ln.....l.l.l.l...lar.l.l...nn......n l.l..n...I i...In.1..l..1.l..l..n...1.1....u.l.l...n..l.l...IIAI l CARDM£MBER SERVICE PO BD% 15153 WILMINGTON DE i81H6-5153 1:5000160 2W: 203 L LO 2663680 2aa 8493317 "P%M ???,-,r ¦!(rLri'ai{, Smtar. Date: 091031109 - 1OW009 ? eama.nM ori..e: Wnknum Payment: $205.00 Payment Duo OWN: 1 GrTy/09 A"denal oorha.C Information ACCOUNT SUMMARY Account Nuf doe: 4265$01926535 =vrwnty located m reverse ode Previous Balance $8.536.91 Total Credil Une $8.600 PaymesL Credits -$174.00 Avsiabfe Credn $44 Purchases. Cash. Debra +$72.25 Cash Acws Line $1.720 Finance Charges 412001 Avatabie for Cash $D New Balance .555.17 FLEXIBLE REWARDS SUMMARY Previous Points Balance 5.099 Thank you for using the as*t card teat ear e, Pdnb Eared on Purchases The Period 73 rewards neat can be used for travel. gin ands. Points Erred Through Chase Rewards Plus 0 cash. or rtdrtlNnOee. Remember. you can New Told Points Balance 6,D72 redeem a wide adecson of $60 9M cards for 5.000 points. Simply go chose corWrowards 110 Porhts lo eq*e an statement on or star AUGUST. 2013 and use your rewards todayl Your Chaw Andble Rewards?salt card Sams 1 pokd for every $1 you spend on purchases Eam up to on adds ions 10 palms wHN dropping ortkhe through www.tlnase.earbFewarttsplts. Add Sulhorimd uses, red 00 up b haw your monthly Use charged to your ewc, loo. Why na gel -aards for an thosephrchasse too? Ks that simple. Simply go asr.comtewresm choose your reward today! Redaen your points anytime, or jusl check out new, offers at wwvr.chose.comMewrds. a Dale of MoD Mrchant Name or Transaction Deaengon I Amourd , OW19 Payment Thank You Eleelronie Chk -174.00 09112 TBE'HAWTHORNE ARCHITEC 600-7724277 IL 26.65 08117 TBE'FIAWTHORNE ARCHTTEC 800-MA277 IL 26.64 OW27 ONSTAR SUBSCRIPTION ea640NSTAR W 18.95 FlNANCECHARGES Finance Charge Transeclon Defy Periodic Raft Coreep. Average Daily Dune To Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rats Service Charge Fin Charge CHARGES Purchases V.04381% 15.9896 $4,823.57 $63.40 $000 $0.00 $63.40 Cash advances V 05271 % 19.24% $2.855.74 $45.16 $000 $0.00 $45.16 Corm"ance cheek V.04381% 15.99% $671.08 $11.45 $000 $0.00 $11.45 Total Fiance charges $120.01 Effective Annual Parcantego Rate (APR): 16.9096 Please see kdormatlon About Your Account section tor balance cortphtason m olvd. grace period. and oher inponad imormaaon The Corresponding APR is the mN el inbred you pay when you arty a balance on any Varsacfon category. The Etlecirve APR represents your loud sreance charges - including trans ecoon Was, arh as rash advance and balance tmnder fees - aapreasad as a percentage. This Statement Is a Facslmlie - Not an odgtr,al aooal F1938MC3 act a z a2 met P.a.tdh daa MAW 13=9 2134 eoooaso manse 1< OM enaala ealaas 6 of 75 Payment Ow Dale New Balance Past Due Amount Walmum Payment „raA16 S7t544.3z S9.oo sxa.aa CHASE O Aewlad ttrllbar: 1206IM11 x206 3QB0 Main diack a{ p qtt s d - ° P l " Sunrises. q i a s s IV a t Di is W Plea»wMamant endos.d. ?P nx sebeuraa on o Nw addrae. or-1. Anton DaA. 42668411826636800002090000854432000000005948727 amnia" Z30"c l...II1.I..1..1. i..1..II...1.1....11.1.1...11..1.1...11..11..1 WILLIAM 8 2ELNER 219 W DAUPHIN ST CARDMEMSER SERVICE ENOLA PA 17025-2210 PO BOX is tw WILMINGTON DE 198865153 1...III...III.....i.i.LL..LL.LL..1111...... 111. AI...I s:5000L602134 203L1,8 26 6 3 680 2Ne 8493317 ,?p? T ? Stalenent cam: 10/03/09-11/02A9 g saan.ye y..e.ee.ant ensue Wnkman Payment: $209.00 PaIn art Cue Data: 11/27/09 Addtaer.al oentast aranrwdsn ACCOL1IT SUMMARY Account Nunnim: 4266 GM t 11266 omverion y located on roni se side ProwOus Balance $8.555.17 Total Croft Line $0.600 Payment Credits -$206.00 Avdabm Credit 555 Purchases. Cash. Debts +$69.90 Cash Access Llna $1.720 Finance Charges +5124.17 Available for Cash so New Salto .544.32 FLEXIBLE REWARDS SUMMARY PreMous Points Balance Points Earned on Pktrcneees This Period Points Earned Through Chase Rewards Plus NOW Total Pants Balance 110 Poirot to expire on talamre on orator AUGUST. 2013 6.072 Thank you for using "credit card shat earn 70 rewards that can be used for travel. gift cads, a cash. or merchandise. Romerrilloor. you can 6.142 redeem a wide selection Of $60 gift cards for 6.000 points. Simply go ehaw.ear?rewade and use yourrereads todayf Your Chase Flexible Rewards credit card earns 1 point for wary $1 you spend on purtlrssa Earn up to an sddiaonal 10 points while ahoppng is ho through www.drse.oaMwadoplim Add sl6ronaed users, and algn up w have ymr ..wi i y bills charged to your cad, loo. Why not get reawrds ter as ewes pnrchoam loo? lrs Otst elmple. Sirply go Croee.mrMOwardsm choose your reward lodayl Redeem your pants anytma, or just check out row oBera at www.caae.comhawards. JACCOUN T ACTIVITY Date of Tra an: on Mocha Name or Transaction Deeantion 10119 Paymen Thank You Electronic Chk -20S.00 10105 WINE & SPIRITS 2111 ENOLA PA 24.37 1023 TBE'HAWiHORNE ARCHI EC 800-772-4277 IL 26.56 10127 ONSTAR SUBSCRIPTION Oea-40NSTAR MI 1a.95 FlNANCECHARGES Rnanoe Charge Transaction Daly Periodic Rene Conesp. Average Dally Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Role Service Charge An Charge CHARGES Purchase" V.04301% 15.99% $4,777.01 $54.88 $000 50.00 $64.08 Cash advents V.05271% 19.241E 52.002.01 547.42 $0.00 $0.00 $47.42 Convenience check V .04381% 15.99% $873.67 $11.87 $0.00 $0.00 $11.87 Total finance charges $124.17 Efinetlre Annual Percentage Raft (APR). 17.42% Please see Information About You Amount section for balance conVutWM method. grace period. and other important iniormalin The Conespnding APR is the rats of interests you pay when you carry a balance on any transacion category. The Etledrve APR represents your total Irson:e degas - including Vansedion fees such as cash advance and balance transits, leas - e[praesed as a percentage. This Statement Is a Facsinlle - Not an original GOMM FiV3$ eC2 We a 2 02 OMtaa P.p.t dal Gad .N rM Odes) 70en ODOOmOOW0aW0n X OOa0ea7Om 12 of 75 Payrnsnt Due Data New Balance Paw Due Amourn Midmum Payment ,2x1,19. se,soo,as $o.oo smsoo CHASE() AccouNl ttumber: 42666411 82x6 36BD Mane yea dried peyaelcts: wya I Ch w n C hasCare lwebr. Nhee read lha en A d DiarJawason risen . PlrhasehwasshreuhteerJoaW. New addren or shay? Pant on diced. . 42668411826636800002040000850085000000005969017 ozmmeell z-xs= I...111.1..1..1, 1..1..11...1.1.... ...11..11..1 WILLIAM 8 ZELNER 210 W DAUPHIN ST CARDMEM13ER SERVICE ENOLA PA 17021-2210 PO BOX 15153 WILMINGZDN DE 10886-5153 L..IiL..IIt...h.IJ.L1. h.LL1Lin.IIIL....drLL.IL..I is 5000 L 60 281: 2031182663600201 m STATES ' ,oL.5EWVICF- S03MG - t Data. 11/03!09-12/02A0 8 M..rae yeure«eure.axne: Mninurn Payment: SWIM Payment Due Date: 12127/09 "ddmd confect 6d6rnlwlea ACCOUNT SUMMARY AccourdNurdr: 4206841t82as oxnvenelwylocrteeanrsvawside Previous Balance $8,544.32 Total Crodh Line 58,600 Payment, Credits -5200.00 Available Credit sm Purchases, Cash, Debits .$45.59 Cash Acuws Live $1.720 Finance Charges 4119." Available for Cash M New Balance a,soo.as FLEXIBLE REWARDS SUMMARY Previous Points Balance 6,142 Thank you for twig as credit card that earns Points Earned on Purchases This Period 46 rewards Bat con be used for travel, gill cards, Points Earned Through Chase Rewards Plus 0 cash, or rnercharalN. Remember, you con New Tout Points Balance 6,189 redeem a wide adection of S&O gift e- ' for 5.000 polras. Simpy go OhsscplNewsrds 110 Points to expire can watemem on or afler AUGUST. 2013 end use your rewards today! Your Chase Rexible Rewards credit card same 1 poim for every $1 you spend on purchases, Earn up b an additional 10 pants while shoppig aiihe though www.chase.cornhewardeplus. Add authim =4 users. and sips up w have your monNly bills charged to your card, loo. Why nol get rewards for all those purchase loo? Ms that single. So iply go chase owntrewards to choose your reward today! Redeem your points anytime. or lust Chock out new offers al www.dhase.eornhewads. [ACCOUNT ACTIVITY Date of Tramacton Macron Name or Transaction Desabbon j-Arriount 1 via Peynwl Thank You Electronic CNc -200 go I ims TBEWWTHORNE ARCHITEC WO-7724277 IL 26.64 11127 ONSTAR SUBSCRIPTION SM-40NSTAR MI 18.05 IFINANCE CHARGES Finance Charge Transecion Daly Periodic Rate Corresp. Average Dairy Due To Fee/ Acaom lased FINANCE Category 30 days in cycle APR Bafence Periodic Rsle Service Charge Fin Charge CHARGES Purchases V.04381% 15.00% 54,704.06 $61.83 $000 $0.00 $61.83 Caron advances V .0$271% 19 24% $2,"8.03 $46.63 $0.00 $0.00 $46.63 Convervenca check V.181% 1500% s873.50 $11.48 $0.00 $000 $1148 Total finance charges $110." Ellecilm Annual Percernage Refs (APiq: ,SM% Please sea Imormaaon About Your Accoum section for balance Cornputaton mslhod, gran period. and ocher inportent imormason The Correspondig APR is the rate of interest you pay when you carry a balance on any tmruaelion category. The Effective APR repreaaaa your total Irene Chagas - including uensaclion tees such as cash advance and balance transfer lees - espesaad as a percentage. 8493317 This Statement ft it FacskWle - Not an foNghul 00000" F993aMC3 000 N Z CO Oea202 Pg., al oname, Wim 025ea 33M OOOOND000059e01 X 1r050e1e13101IM3003 74 of 75 Payment Due DM New Balance Part Due Amount Minimum Payment mrnno sa,1s9.52 t)zo4.oo flassoo CHASE 0 Accoutll number: 42M 4111 SM 3BB0 . Mahe yer c heA Payabto: Ch- Card larvtees. Pleasewrb arra.1t ana"ad. Now address a vmae? Print on back. 42668411826636800004550000874952000000000000000 ? GOkz21cc WILLIAM S ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 I...iii...III.....1.LLI...i.lnl.l...fill ...... III.I..11...I I...III.I..1..t.I..I..II...I.1....I1.1.1...11..1.1.,.11..i1..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:500D 160 281: 203 L 18 26 6 3 680 2!le 8493317 V Jfl $TeTFS " AQSTdL SER1/IiCE 31al11mant Data 1211009-01102110 Mowge y.-com nt 111 ns: Minenurn PayrrnrA: $456.00 Payment Due Dale: 01rono AdAtenal esnhet Inrern adea ACCOUNT SUMMARY Account Number: 42? +411 82+6 _..rianey Ioc.tad m mwrsv bled Phawous Balance $8.50015 Total Credit Line $8.600 Purchases. Cash. Debits +$123.59 Available Credit $0 Finance Charges +$125.09 Cash Access Line $1.720 New Balance Sa.74g.52 Aveletle for Cash so Ariportant Message: You Are Ovedimi! Your sailhannt balance exceeds your credit fine. You should h1Ww a paynern that includes the overfins amours to bring the balance under your credit fine FLEXIB REWARDS SUMMARY Prewous Points Balance 6.188 Thank you for Using the Credit red that eater Points Earned on Purchases This Period 46 rewards that can be used for travel. gift cards. Palms Earned Through Chase Rewards Plus 0 cash, or mshiwWisa. Remember, you can New Total Points Balance 6.234 redeem a wide selection of $60 gift cable for 5.000 you ds. Serply go chase eonWnmrds 110 Points to expire on alatenherd on or alter AUGUST. 2013 and use your rewards today! Your Chase Flrdtle Rewards credit card Game 1 pairs for every $1 you spend on purchases. Earn up to an additional 10 points white shoppirg Mina through www.chavec . Add authorized users, and sign up to have your monthly bills charged to your cant toe. Why not get rewards for all those purchases loo? Its act almple. Sitply go chow ownhewards to choose your reward today! Redeem your points anytime. or just check out new offers at www.chasstanRGwrds. ACCOUNT ACTIVITY Date of Trarsaction Merchant Name or Transaction Description Muni 12103 'fBE*HAWTHORNE ARCHITEC 800-772-427711. 26.64 12127 LATE FEE 39.00 12/27 ONSTAR SUBSCRIPTION 588-40NSTAR MI 18.95 01/01 OVERLIMIT FEE 39.00 FlNANCECHARG Finance Charge Transaction Daily Periodic Rate Ccvresp. Average Dally Due To Feet Acwmuialed FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.04301% 15.99% $4.724.79 $64.17 $0.00 $0.00 $64.17 Cash advetces V .05271% 1924% $2.996.01 $48.97 $000 $0.00 $48.97 Convenience check V. 04381% 15.99% $679.26 $11.94 $0.00 $0.00 $11.41 Total finance charges $12508 EHecthe Annual Percentage Rate (APR): 17.45% Please ads kdomretion About Your Ao¢dutt aecion for teethee oortputniorh method. grace period. and other importsn nlor n rtion The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Etlectrw APR represents your total Stance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement Is a Facsimile - Not an arigbul 0e01101oh F030316C3 000 N Z at 1eelx2 P.D.I et 0.2111 MNMN3411K call 000000e.rer X 0040 70 of 75 Payment Due Dar. New Balance Past Due Amount Nlrirnum Payment ou27no 56,112.96 szos.60 5457.4 CHASE O AcQ?,ount number 42'668411 81D6 3660 W &%be your cheek Payable W. Chase Card 5rvleee. PM*- ,it. rnounit -bits. New address or e-rrnat? Print on back. 42668411826636800004570000872296000000000000009 x,seeEN z=10C WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 L..IIL..IIL.... L1.LL..11.1.6.. 1111...... 11I.6.IL..I I...II I.I..I..I.1..I..II...1.I....11.1.1...11..1.1...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON OE 19886-5153 1:5000 L60 2131: 203 L L8 2 6 6 3 680 2111 8493317 ?.7G16YI?.t. `--' sYnaae yar a tit brine: AMItIo d contact aiorwr0en POSTAL yprps, }p• cones N-ftlaeahedanrevrseside ACCOUNT SUMMARY PAYMENT INFORMATION Account Numbsr: 4256 0411 8286 3680 New Balance $3.722.96 Previous Balance $8.749.52 Payment Due Date 0227/10 Payment, is -5250 00 Uninarn Paymem Due U57.00 Purchases .$18.95 Fees Charged xS75.00 Interest Charges .$126.49 Nov Balance $8.772.86 OpsninglCbeng Date 01/03/10-02NN70 Total Credit line $8.600 Available Credit so Cash Access Line $1.720 Available for Cash $0 Late Payment Wrrirg: It we do not receive your nwrnum payment by the date Istsd above. you may have to pay up b a $38.00 tsle tee and your APRs will be subject to khcrsaes 10 a nwarin ern Patsffy APR of 29.09Y.. Mnlmurn Paymra Warning: If you male only the mUlrtarn payment each period, you will pay more In interest and it will take you longer to pay off your balance. For example: If you make no You WE py oft And you w6 and tip additional charges the balance paying an eshntamd told using nfscard and shown on this of... each month you tWemem in Pay.. about... Orly to nownurn 32 years 522.089.00 payment $312.00 3 years $11,236.00 (Savinpa.510,847.00) N you would Ike information scout credit counseling sonless, call 1-8615.797.2885. Irnporlatd Message. You Are Ovedimit! Your statement Delrtce exceeds your credit One. You should make a payment that includes ne overlin6 amount to bring the balance under your credit Ine. FLEXIBLE REWARDS SUMMARY Previous Polds Balance 6.234 Thank you for using the credit ksd that cants Perms Earned on Purdhsses TNs Period 19 rewards that can be used for travel. gift cards, Paints Earned Through Chace Rewards Plus 0 cash, or finer hendise. Rstnerrbr, you can New Tots Points Balance 6,253 redeem a wide selection of $60 gift cards for 5,000 points. Sinpy go drse.com/rewards 110 Polls to ftTire on ssemard on or oiler AUGUST, 2013 and use your rewards today! Your Chase Flexible Rewards credit card cams 1 poem for every 91 you spend on purchases Earn up to an additional 10 points while shopping online nroug h www.dhsas comhewarde(ius. Add authorized users. and sign up to have your nhon8iy bias diarged to your card, too. Why not gat rewards lr all those pucchasee too? fns tatt aimple. Singly go chase comtre yardsto choose your reward today! Redeem your points anytime, or just check out new offers at www.ehese.corntawerds. ACCOUNT ACTIVffY Dale of Trarbaclon Merdham Name or Transtrcton Desaipyon $ Amcurd '?' :! 2 + vl 2 ++' ? ? v N ' '+' ++- ? R7w^"^ .. • : :•. 01118 Payment Thank You Electronic Chk+ -.+w. , aF : , t7.: .0?ti+ i , . V h. .+, .v d- i+ -250.00 ai;a -';•Y . v. ^errs'a-;ac,,^???.<,:;vanh<xx.,:,a>x-.'?az-1?:::?:.v?2+'C"'"?? 01m ONBTAR SUBSCRIPTION 886.40N3'TAR tM 18.95 'E:..?qG...`?.. ++:;,:•`. ,7A +;: `a'a.••... "'-ti _:+-_•.+;'?.?.-'.:k{<?-s:.t+ H'Sg$:'-2:;?t-.?+?+•ic}C-M'•':;.+-•:;, 'R:l'.+. ?Au.+: -sa+.:.?aa:S5?f5:•.::?r'aac+k'?+'c.?''xti..)a-ca#?.o+`',.'+-?t ak-`??+' 0127 LATE FEE 38.00 02M OVERLIMITFEE 36.00 TOTAL FEES FOR THIS PERIOD $78.00 "?i.•'c.',hz?.•ka..'?".x`r:aY:iT. ?. • _ '4 „ i? c . ." ?ti w?+` .. y am PURCHASE INTEREST CHARGE' 64.79 02/02 CASH ' INTEREST CHARGE' 4.77 02/02 PURCHASE INTEREST CHARGE' 11.94 TOTAL INTEREST FOR THIS PERIOD $126.49 This Statement Is a Facsimile - Not an awilgt5al 0000Oa Fi333MC3 ono N z 02 haaa02 Pge1d2 OBA MMMM2tsr oahOOOOat00rresDk X OVAVMMM 44 of 75 Smunanl Ore: 01103/10-02/02110 Account Number: 4266 5411 6266 3600 Page2 of 2 i'.^:: dill' F?c ?:. ... Total teas Charged in 2010 $39.00 Total ir-dw' w c arued in 2010 $126.49 Your-lo, -dole tmar re1190 all darge6 minus any refunds WO led to your account on a allay January 31. 2010. INTEREST CHARGES Your Annual Percentage Rats (APR) is the amts! interest rem on your a0munt Annual Balance Accrued Balance Percentage Ram (APR) Subject To Interest Inweat Type 31 Days In Cycle Irrtwat Rate Charges Charges Purchases 15.90%(v) $4.769.64 584.76 $0.00 Cash Advances 19.24%M $3.946.17 549.77 59.00 Balance transler 15.99%(v) $978.15 $11.94 $000 (v) . Variable Ram Please ace tnbrmation About Your Account section for the Calculation of Balance Subject b Interest Ram. Annual Renewal Notice. How 10 Avoid Imitrea on Purchases. and other important information. as applicable. 8493317 This Statement b a Facsimile - Not fin oHginal X WOO M F4333335 103 am M z 02 toll rp2d2 00214 law 2111ee omoDom3wmstr02 46 of 75 Paymrht Due Dar New Balance Pam Due Amount Minimum Payrnem mran0 se-64s.z9 5207.00 514600 CHASE O Acc?oraM number: 42668111 8216 WW `Y rest yser cMdpysme te: Chose C" Q 9evtor. Pba»wrb err Print Now sddrsae or g,mely e?rhei? Print on bode. 42668411826636800004460000864529000000000000001 Z 1891 Z-10C WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 I...111u.111.....1.L1.L..1.1..1.1...1111...... 111.1..11...1 I...It1.1..1..1.1..1.111...111.... 11.1.1...11..1.1...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19066-5153 r: 5?OO 160 28r: 20 3 Z i8 2 6 6 3 680 2111 8493317 Tall. ?1 /I?.G Q Messy y- St-urt come: AMN-ell contact rRsr 11- conventsnay located on nswrsa tide ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 9111 62563660 New Balance $6.645.29 Previous Balance $6.722.06 Payment Due Date 03!27110 Pmen L Credits -$25000 Minimum Payment Due $446.00 y Purchases .576.95 Fees Charged Sw 00 Interest Charged 1•$114.36 New Balance $6,646.29 OpelirgACbeng Dean 02103/10 - 03/02/10 Total Credit tine $3.5000 Available Credit 5o Cash Acura Line ,$1.720 Available for Cash e $o Carr Payment W annkV: if we do not receive your minimum payment by the dots listed above. you may hew to pay up to a $39.00 M! fee and your APRs wed be sutjeet 10 Yurease 10 a ne:dman Penalty APR of 29.90% 18nlmum Pay rat. Warning: N you make oray the MNmm paymarm each period. you w8 pay more !n interest and it war take you longer fo pay off your balance. For exampr. ff you make no You wit pay ON the And you wN end up additional duirges balance shown on paying en estimated using ibis card and this tesMmmm in 1018101... each month you about.. pay-- Orly the m!rimdn paymnt 31 years $21.904 $309 3 years $11.140 (SavingM$10.764) It you would like udormation about credit Cou seling services. call 1-666-797-2885. Important Message: You Are Overlimill Your atstenhart balance exceeds yaw credit line. You should make a payment that includes he werl" amount to bring he balance under your credit hne FLEXIBLE REWARDS SUMMARY Prewws PoixM Balance 6.253 Thank you for using the creed cad that same Poems Earned an RschasesTNs Period 19 rewards rat can be used lortraval, gi t cards. Palms Earned Through Chase Rewards Plus 0 cash. or merchandW. Remember. you can Now Total Pons Balance 6.272 redeem s wsOS adacaon of $50 gaff cards for 6.000 palms. Simply go chese.comhawards 110 Points to egire on statement on or slier AUGUST. 2013 and use your rewards today! Your Chase F7adde Rewards d-edt cad cams 1 point for every $1 you spend on purchases. Earn up to an additional 10 points white shoppev online hough www.chase ca /Innewdepan. Add authorized users. end sign up b have your monthly bills charged to your card. too. Why mat gm rewards ior all them purchases too? Its that simple. Sit" go Chase Com"wards to Choose your reward today! Redeem your points anytime, or just check out new offers at www.chass.comeewards. ACCOUNT ACTIVITY Date of Transaction Msrcham Name or Transaction Descriptio?n+p $ Amours 02121 PsynemThuii You Eledorie Chit -250.00 0227 ONSTAR SUBSCRIPTION 0004ONSTAR M .... 18.95 o2/28 LATE FEE 39 OD TOTAL FEES FOR THIS PERIOD $39.00 03102 PURC/MSE INTEREST CHARS 67.09 03002 CASH ADVANCE INTEREST CHARGE 45.66 swu BALANCE 10 73 TOTAL INTEREST FOR THIS PERIOD $114.38 This Statement Is a Facsimile - Not an original 0000001 FBSNOeC3 000 N Z 02 ts== P.pale2 08M MI. W. 2'7=7 Oe10000na00a70" zOD50 20 of 75 8493317 Slolomeni Dote. 02103/10 - 03c02110 Accoun161umber: 4266 5411 5266 3600 Page 2 of 2 MRS-01 Tow tees charged n : $7e 09 Total imrest charged! in 2010 E240.07 Year-locale totab retell all c aMea narks any refunds applied to your accounl on a Amer January 31. 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Balance Acmred Balance Percentage Rate (APR) Subject To Interest Intmmt Type 26 Days In Cycle Irtrer 1iaN chug" Charges Purchases, 15.99%(hr) $4.727.13 $57.99 50.00 Cash Advances 19.24%M $3.093 B7 $46.66 $0.00 Balance transfer 15.99%(v) $674.67 $10.73 $0.00 (Y) - Variable Rale Pleats am Information Abort Your Aaatat section for the Calalation of Balance Sutjecl to Interest Rap, Annual Renewal Notice How io Avoid interest on Purchases. and 01hr nportent irtometion. as applicable. This Statement Is a Facsimile - Not an odgfnal x onoomr R223MC2 ODD N z at I&MM PaW2d2 Deana MAW Z?w oMtDODODapD? V of 75 .1 -1 s Paymerrt Due Dade Now Balance Past Due Amount Minimum Payment 04r1TAg $11,11,,.3, $416.00 s7oaoo CHASE O Acws1M mntbar: ?2gg 6111 8216 3080 mo t oncl w. Make year e chokpayblto: 9. W Cb Card PM.seoabmo.rh axdoW Now address a smsl? Print on back. 42668411626636800007000000881131000000000000000 ern eoc z-0c 1...111.1..1..1.1..1..11...1.1....11.I.I...q..1.1...i1..11..1 WILLIAM B ZELNER 219 W DAUPFNN ST CAROMEMBER SERVICE ENOLA PA 1 702 5-2 210 PO BOX 15153 WILMINGTON DE 1901165153 I...111...111.....LLLi...1.1..1.1...1111...... II1JAI...I 1:5000 L60 281: 203 L t.8 26 6 3 680 2a' sac R1/KX JR awn.e. yn.. eeow.nla+lne: Aataenroeeha IMnm..Ben ?PQSI.aL S><E. ,eralghmss 9aba «averi«htytoc.adonrsvee.;tM ACCOUNT SUMMARY Accent Number: 1266 9411 8266 36W Previous Balance $6,615.29 Fees Charged .$39.00 Inler" Charged 412702 Now Balance Wall 1.31 Oparing.Cbalng Date 03103170 - 04A2/70 Total Credit Line $6.600 Available Credit so Colt Access Line $1,720 Available for Cash $o PAYMENT INFORMATION Now 9alarxs Met 1.31 Payment Due Data 0427/10 Minimum Payment Due $700.00 Late Payment Waning: it we do not receive yow minimum payment by the date istsd above. you may hem to pay up to e $39.00 late %e and your APRs will be suMset to increase to a nardmum Perely APR of 29.995L Mnlmurn Payment Warning: u you make orgy the rninirnrn payment each perio4 you will pay more in interest and it will take you longer to pay off your balance. For exertow e you make no You will pay off the And you will and up additional charges balance shown on paying an eslir tmed using this card and We statement in 1018 101 each month you about... Pay. - Only the rrinen m 32 yens $22.321 payment $315 3 years $11.353 (Savings-510.960) e you would like information abort credit counseling services, call 1-056-797-25115. Your credit card account is past due. Planes send payrnem immediately. Call 1-aoo-955-6030 (coNea 1-302-591-0200) Iodey. Inportera Message: You Are Ovedimit Your statement balance exceeds your credit fine. You should make a payment that includes fie ovelint amount to bring the balance under your credt line [FLEXIBLE REWARDS SUMMARY f Previous Points Balance 6,272 Thank you for using the credit card that same s Erred on PurMam This Period Point 0 rewards that can be used for travel. gM cards, Pdnte Eased Through Chase Rewards Plus 0 cash. or merchandise. Ranerntw. you can New Teal Points Balance 0 earn points by using your Flexible Rewards Total Points Unavailable for Redernplion 6.272 credit card for everyday purchases like groceries. gas, and dnsgatore purchases. 110 Points to expire on statement on or after AUGUST, 2013 Your Chase Flexible Rewards credit card same 1 point for every $1 you spend on purchases, Earn up to, an addibnal 10 points while shopping or&* trough www.chase .wrMwardsplus. Add surwaad users. and aVn Lip 10 have your monthly blue durged to grow card IDO. Why not gal rewards for all those purchases too? Ifs that ample. Simply go chass.corn2awads to choose your reword today! Redeem your point a maims, w just theca out new offers at wwor,dase.comhewards. ACCOUNT ACTIVrrY Date of Tnrnawilon Merchant Name or Traneacton Descripton $ Amount . "'?? ve?s?,'=.:``?$zN?•&+`?t.`-?•'`l'•`;u?`?9"?tM1.',??+`,',kr,?2,-'•cr.? ?'s.'"vzrob:k?rtx,3?>:?:} ?y?ifi? 0:326„'"£?' Z; LINE FEE •`-. xa .?s:.-a"ii: ^ ;cx::::wG;:a.... -eT`.-:•..:x:2.,:;.5::...3.x:tica3..?. 39-00 ? TOTAL FEES FOR THIS PERIOD 1 $39 W WU02 PURCHASE IN TERESTCIWX`aE:. •-h ..... ,••,?•. ,..•... . .10 04102 PURCHASE INTEREST CHARGE 63.64 04M CASH ADVANCE INTEREST CHARGE 51.15 01002 BALANCE TRANSFER INTEREST CHARGE 11.93 8493317 TOTAL INTEREST FOR THIS PERIOD $12702 This State(nent Is a Facstlnlle - Not an orlgilal 0000M Fe a=C:3 000 Al Z 02 10eu02 P.O.102 OWN MMMM 64879 ooh OODDM005437= X WW 32 of 75 Statemenl Dale. 03003/10 - 04/02/10 Account Nuhdler: 4268 8411 11260 3680 Pepe 2 of 2 •TOW ties charged in 2010 $117.00 .. Total nlersat charged in 2010 $367.89 Year-lo-date totsla WOO ON Charges rnntal any refunds applied to yohi acwml on or sllar January 31, 2010. INTEREST CHARGES YOOr Annual Perceldage Rand (APR)is the smual Merest rely On your SC= nt Annual Balance Aevued Balance Pereenlage Ran (APR) Subject To lnit et Jntere n Type 31 Days In Cyde Interest Rai. Charges Charges purchases 15.99%(v) )4.685.67 S63,64 $0.00 Purchases 15.99%(v) $755 $0.10 $0.00 Cash Advances 10.24%(v) $1.142.36 $5135 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $O.OD Balance trenaler 15.09%(v) $87850 $11.93 $0.00 (v) - variable Rate Please see nbmwAion About Your Account section for the Calculation of Balance SL04ed l6 merest Rate, Annual Renewal Notice, How 1o Avoid nMreM on Purchases. and of hr important irlonmlion, m applicable. 8493317 This Statement Is a FatcsIndle - Not an original x 6000001 Reams 0a 'me N z R loom Pp202 000 MAW aura OMOD00DSODom 002 34 of 75 Payment Due Date New Balance Past Due Amount Minimum Payment I 05127/10 58.975.54 5700.00 5953.80 CHASE 0 A count number: 4266 8411 8266 3680 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 42668411826636800009530000897554000000000000004 46126 BEX Z 12210 C WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 1GO 281: 203 118 2663680 211• SERA u Manage your account online: Additional contact information L mva.chase.com/credikards conveniently located on reversr, side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8411 8266 3680 New Balance S8,975.54 Previous Balance S8,811.31 Payment Due Date 05/27110 Fees Charged +$39.00 Minimum Payment Due 5953.00 Interest Charged New Balance +$12523 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay up to a 58.975.54 539.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 9Q QQAA Opening/Closing Dale 04/03/10 - 05/02/10 Total Credit Line S8,600 Available Credit 50 Cash Access Line 51,720 Available for Cash sit Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about.. pay... Only the minimum 32 years 522,751 payment 5321 3 years :511,565 (Savings=S11,186) If you would like information about credit counseling services, call 1-866-797-2885. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. Important Message: You Are Ovedimil! Your statement balance exceeds your credit line. You should make a payment that includes the ovedimt amount to bring the balance under your credit line. FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that ea ms Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn points by using your Flexible Rewards Total Points Unavailable for Redemption 6,272 credit card for everyday purchases like groceries, gas, and drugstore purchases. 110 Points to expire on statement on or after AUGUST. 2013 Your Chase Flexible Rewards credit card eams 1 point for every S1 you spend on purchases. Earn up to an additional 10 points while shopping online through www.chase.comlrewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card, loo. Wiry not get rewards for all those purchases too? It's that simple. Simply go chase.com/rewards to choose your reward today! Redeem your points anytime, or just checkout new offers at www.chase .conVrewards. ACCOUNT ACTIVITY Dale of Transaction Merchant Name or Transaction Description S Amount ,? rr FEES CHAD 04127 - Ln,TF FEE +9.U0 TOTAL FEES i OR THIS" PERI O D y39.00 y ? . ?k{? 05/02 PURCHASE INTEREST CHARGE .02 05102 PURCHASE INTEREST CHARGE 62.41 849331705102 CASH ADVANCE INTEREST CHARGE 50.50 05102 BALANCE TRANSFER INTEREST CHARGE 11.70 TOTAL INTEREST FOR THIS PER40D 5125.23 This Statement is a Facsimile - Not an original 0000001 Fts33335 C 3 000 N 2 02 1W.J02 Page l w2 066268 MAMA 46126 12210000030004612601 ? WiO.. Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: - -------_-------?„?---- City: - ------------- Slate: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone'. --- ___ ____ E-mail Address- -------------.- ------------- -- mom 8493317 L To contact us regarding your account: By Telephone: © " " In U.S. 1-888-305-4016 V V Q Espanol 1-888-446-3308 TDD 1.800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pay by phone1.800436-7958 P.O. Box 15298 P.O. Box 15153 Www.chase.comlcreditrards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, IDE 19886-5153 1-302-594-8200 Information Aboal Yout Account Cmfibq or Payoonts: You may make payments by any.1 Ile options 1614 bona. Tie amour of your payment che* be at bad your mW- payment due, payable in U.S. dollars and drawn or payable through n US. firousl inwi8utb or It. US. Wench of a faelp fin-Itl nrrlltbn. You oay mate paynra by regularU.E. nail Sant po paywh d b la Paymmb uldren shown. ft otmwt. Youpsymers by mall mitcompywch the kok di amflds sWmwt bo nest sendpath. Write your Aa ti merM a pox check a mmq adr. Paylmrs mist is acmrgw, by the payner coupe I. The anrabpe panel ded alt h our address visMe througin the smeebpe wirdoo; the emeipe esM conwo NMI lien one payment a coupon; end then ion be ro week, paper dips, taps or -7w danm 6wlu ladwkh youpyamd. Nyo rpsyrmr s in aaoNercewil arpymwdirndrudkms and s made awdhkN b s aaryday by5:00 ?m khal finer eat Pe etrat, address an floe stabrest, vas w#erd[ the payment b gar Aorourd a r IIr1 ahoy. p ywr peynnonl 'r to axordrea,nth ant payreal hndrudime, M h mole available to as after 50 Pm. kxy thrit at the Payments addrsc on Ihs saement, we will credit it to your Amour as of the raid caisdar day You may mabp rnwbGbdrmkatiy IhmuohowwYrle sh wnoniNa sbUwmt. Rare receive your conpNled regwd a ar webtb by 5 pm EagAm Tree, we will crom you prymentsrthelag Hwe rweheyarmaapwel mAwSC.m. Eawiam Ties.we will credit your payment as of the and aMder day. U you specify a lulu, dab eat you request we wi aedl your payment as &I that day the sm periodic rates. Yrtable stn will vary, with the worker based on the Rime Rah (or such hats ova lured a your Accoud Agrow.4 Theres o metmm Irdentat.hage of $1.50 (a such amarrd deacrerd In your Accrued Apeemadl in any Wing cyce in which you aweany Glade ineaestchage; andatrwhoctlowhleekxeach basrcelrmolac cnth advance, a.Msktraaaadion, int. amount elated h yourAUOUntAgreemad, as t maybe amembd.Thm 4 atoMp tramabn of 2%afthe U.S. dolor anou t a any lmepnirdmdi n (a such amour described b you Account Agieoer). How to Avoid Paying Imerest on Pudhwx Wes begin axssing periodic interest chaps on a tmm db% NA or irdaem charge: 'ram the data it Madded to your daily balance until you Aroounl's paid In hT, as deecribnd In your Accusal Agreement Your do due we be a minknuan of 21 days following the cba of each hung cycle You can avoid periodic Inlaar changer as her po chas wen they are fist Wad b .. titherwrill as described heba, bid tisrbe net espy b MMee tamlare,Cashadaro orovw"adwoca. It yos receive a current nw" sWe otftt Inch new pActsas and ma4a payment thatw recent byfhedah andfeethefMinu lore nt I. due W that statement, wee will not doge pedodk Mrst a aypaUOn of those new practical tM we aloaab such payment 1% an hag a 1) Ywr arrest shbmeil coo Thaws Iht we radwd permed of the rhdng baba for your previous meths sUt msr by the doe and ftro its Moisture Payment was dies OR 2) that to ends g burlaps for yocr pevbs =in's sawasrm was xa l you taro a hehow other den a pundaa Mans and that Nina camNs a hi$W Periodic i,ared rue, you may not heYle In sold periodic irwst charges on new prachass R yaw do not pay your balers in fail each north, because wa gen rely alloram Paymsls tint to the bounce wlh the highest paiodk behind rate. For air other parnowde or for any payment type above for which you do rot follow our WM To Be 11 You Disk You FNr A Mislaw On Yew Stssmaul payment Instructions, erodiigof Vow payments; nay be ddayd for w to 5 drys. Accord IAMmulen Regarded he Credit Bursae Die may report Manalbn about your Account to eredil bu cue Lab paynlwa, mated payments or who ddads on your Aaded may be erected N yew war mpM If Ya think stn have ,spaded kaocunde Manndbn to a antic buraq you err w heto a at the Inqukks addax :town on this statement. NollaMer Bacprc Clerk Cpovrdea: Wen you lay bydeck, you autar¢e aahher 1. use kdormatNn from you clock b mike a one-Ime ehctrahk fund lusher tmm your acwardabynsewepaymentnacleckt-boe Whnweuseiranrdionhowe you chheck b mb an eNcUaklandtrarWr,funds may he wlhbeYn homyow occart s oxn s tit sus dayW rwaira your paymenL and puwll IM ieceWe ymdiwk bark from your finoncel kaeWom GR the Duettorrer Se ice numb on this sMn*M 4 you haves Questions bout eladrprc check collection or do not went your MmeaN mllaced declmN.aly conditional paymesb Any payment check a other form of payment tell you sew us Its less than teful chase des that Is in~ 'paid N iW' cr amain a sbliter actions, or that you olhlnvh r Iwor in fun se idshm of a deplaw am xK crawl he and to Card Se..im P.O. D. 15D49, WiNinpbn, DE 10150-506. Wa rwr.e al our rifts rW*g teas payments (hog., it R la determined fen I. no vale dkpra or t way such check N ,ecated oekyotar address, wemay accept the check and youai M wart my remtcng babrz4 M may Moe to wood any such pryrnwl by rearming N to you. et cahkg N or dettr eying 1. AN other payments that you wale should be sr to the regular Payiewt address shorn on thin adremetl. Annual Recant Notices If your Account Agreement ha an ameal numbado hoc and or sinlar charge for swum or avaNabiy of your .-K N wll be paled wok year or in malbly or garterky bablu eef , This hoe mayor cargo we awd whether or nct you use your Aaour, and you allow to pay Ihm wen biled. The enmal in and charge am no,refudaae wit you notify ee that you wish to close row aaount all 30 days or our bill gcyce (wWCever k less) after we provide The datement a which to maadfw or doge N hied ant r therm lame, you pry yow wsbkding babnce infue If youdo 1hs, fora .harp Wed mesa ohm tananaaiyeleh s a "** wvb cage, you M nos owe the lad hied chage; etr m pro Wind ehagw am no-re'umNbe andmar he paid as pad of prykg your oulsbdiwp bob- I. furl Your payment of the awaal J. or dupe dos net elfact war rights to claim your Axeud and to thrift roes right to stab frinaw ions on your AocomL B Vow Account is dosed by you w us. or will confirm to IMPdae to VOW ice uNa Charge Will You Pay your ourarin0 brans In fail aid larrrae yx Account relationship. calculation of labm Sol to Ielarer lab: To Ill you pwbdc Mawr charges for ach bill cyclic where a daly perbd , rem(s) applies, we aw the daiy aurae method (urcl drip current taaaciaml. To figures your parNde Waal ahwM for sech Ukq .gala :New a a-" pabdo ac(s) weeks, we oss due awage day boom ratan (including housed lraradba). Fa an expbatb of wkr method, or question about a particular nftmd charge calculation an your stalamea, par ow aB a r la bob is cabmeraeke pee amber RdW above. We calculate perbdre aerest danger, using the applicable pabdie rates down an this sower, apaelely fo each fwb w (e.µ, balance trapsfw deco wad cab admen checss ('tack tawodbn'), purchase, balance tenders, with whaees, po I ..i eences a overke advances). These akulatios my comWm cheer obpodavtih It yalNrlktMse is mempron your statement. write Is s on a sepaab ester at customer SwAm P0. Boa 15299 Wikninglork OE 10850.5299. In year, peter, Ilse o the blvwi,g kdarrmi et. •ACroua W nlebw Ya, now and Account mwrler. • Dollar amount The dollar amourl or IN aapcclad am. • Desedpiac Robem:IlyoutWYMe, b anenaonyourbil, desuibewM you beambwmnpaewlyyoubdN Nsa,Mae. Youmustoaadee WienwdrysatateemraMmmdonyoursbtm t. You most nnt'dY s of art pohntal mom in writing. You may all us, bur l you do we am not required to nwrigata any potential room and you may have to pay the amoual inmost. While we ineg0le whether or not them has been an error, the following am true: • We caner try to cord the amour in gedion, a,pd you as de ircluem comet amaxt. • The dupe in nnrion may remain on your, shimK and we may corns to large you wired on that ancunt. 81, t M dramhe that we made a mis7ke, you we not awes to pay the amend inqueslbn or ry Interest or other lea notes b cal aeod. • White you do not hew to may the amount in question, you am responsihN for the ,raker of Der ,apace. • We on apply any unpaid amoum againwi you credit pmt. Yow Rights If Yoe Am Dkwashed Wa Yew credit Cad Pwcbw- t you ate dssdMied with the goods or renloesthat you eve purchased wilt your credit cad. and you have tried n good tath to correct the problem with the memhamt, you nay how a right but to gym rewidn" annual des on the purchase To are In, right, aft d it. hlowng meet be Ina: 1. The Pmhate most haw line mac in yam harc she or wide 100 mines of you surer mring addess, and the pniase prim must haw been mac tan $50. (NOW: Nd1er of tlhrar we eassa , N your purchase was band on an advaaementwereailad No you, a Iwo omit thecompanythat nid yes tho goads ant aervicel 2. You real haw used year uadil card I., the parches. P..hha redo mew cash Wmmfrom a ATM or with a check that aecwes yew c dk card Account do nut q w 3. You mud not yet have fug poi late Pumas. tall of the cries above an reel Lid you we will &u§gW wilco the pucha n, contact a orWW q t Qdww 5W"M R0.8ss 15299 Wilmigb, DE 19550.5409: While -Nwst4tla growers rulasopy loth. ft. hod anoutadbcvsedebove Aft we fk*h air Ihhaeulijwpdea, we ail tel yww our atetlron. AI Nis poirlL A we diY you sae ae arreurd ..it yes do not pay we may repod you asdeeeato. M120An Statement Dale: 04103110 - Q5!02!10 Account Number: 4266 8411 8266 3680 Page 2 of 2 - .2010 Totals Year4o-Dale Total fees charged in 2010 S156.00 Total inlefest charged in 2010 5493.12 Year-to-dale totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days In Cycle Interest Rate Charges Charges Purchases 15.99%(v) S4.748.68 S62.41 50.00 Purchases 15991 (v) 547.15 50.62 S000 Cash Advances 19.24% (v) 53,193.27 S50.50 50.00 Cash Advances 19.24% (v) 50.00 50.00 50.00 Balance transfer 15.99% (v) S890.32 511.70 S0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other important information, as applicable. 8493317 This Statement is a Facsimile - Not an original % 0000001 FIS3333S C 3 DDO N 2 02 10105/02 Page 2 d2 06268 MA MA 46126 12210000030004612602 Pagreant Due Date New Balance Past Due Amoud etinlrea n Payment osrnno se.9,7s 54 3700.00 1190100 CHASE 0 Atxotatt tarwrber: /2aa 8411 eaea 3060 . Alale yow chalk P.yabt. tor: Chase Card !rv{eee. Please write em41wnanclosad. N.w addro or emei? Print on bad.. 42668411826636800009530000897554000000000000004 .r laaaNzh221oc WILUANI B ZELNER 219, W DAUPHIN ST ENOLA PA 1 702 5-2 210 CARDMEMBER SERVICE PO BOX 15153 WILABNGTON DE 195865153 1:5000160213,: 20 3 1 18 26 6 3 680 2na H elanafM your accent acne: Adde.eal cereact Mamatlon r -w chase com0cradOcads convani.nay located on reverse side ACCOUNT SUMMARY Account Number: 4288 9411 9288 3808 Previous Balance $8.811.31 Fees Charged ?s 11.00 hiewast Charged S12523 Now Balance $8.975.54 Operinli Closing Date 04/03110 - 05A210 Total Credit Line $8.600 Available Credit so cash Access Line $1.720 Available for Cash $0 PAYMENT INFORMATION New Balance 118.975.54 Payment Due Date 0527110 mrirtaan Payment Due $953.00 Late Payment W amlmh6: It we do not race" your minmun payment by Rhe dab lsM above, you may hate to pay up ion $39.00 late tee and your APRs will be wMact to increase to a necirrarn Penalty APR of 29.99%. fWdmure Payment 101lamin6: N yw make only the ralnlrtsrn payment each pwkxt you wit pay more in Interest and 11 va lake you longer to pay off your balance. For aornpe: R you make no You will pay o0 the And you YA and up additional charges balance shown on paying an estimated using ehis card and this statement in total o1... each morah you about.. pay Orly to minimum 32 years $22.751 payment SM11 3years $11.565 (Savinps.ftt.l86) If you would like Information about credit counseling services, cell 1-866797-2965. The charge privileges on your credit card account have been revoked. You no longw have the abiOy o use your credit card aceoum for purchases. We, can help you get beck an tact Cal 1-800-955-8030 (collect 1-302-594-0200) today. Important Message: You Are Ovedimi8 Your sbbrnent balance exceeds you credit One. You should make a payment thal includes he overlinl amount to bring the balance under your crecift line FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit cord Rat earns Points Earned on Purchases This Period 0 rewards that con be ueW for travel, gift cards, Palms Earned Through Chase Rewards Plus 0 cash, or merchandise. Rennewriber. you con New Total Points Balance 0 eem points by using your Resale Rewards Total Points Unavailable for Redemption 6,272 credit card for everyday purchases Oka groceries, gash and drugsorepurrheses, 110 Points to expire on stalemert On or after AUGUST, 2013 Your Chase Flexible Rewards credit card same 1 point for every $1 you spend on purchases. Earn up to an addbonal 10 points while shopping onkm lhm gh www.dim.cankewrdspks. Add authorized users, and sign tp to have you monthly tills charged to your card loo. Why col oat rewards for aillhose purchases too? Ks that simple. Simply go dese.corahewards o choose your reward today! Redeem you points anytime. or just check out new offers at www.chase.comtewrds. ACCOUNT ACTIVITY 000 01 Traseclon Mordent Nana or.Tfryra?naaction Deacrtpeon S Amount .O??C?•.+ •'' ?m.?"'.'?•-.a??w. 3KO.:£-acv..?:....'{",w...-..-?L'•?'.?•'o-:.•t?.cc"'.?'?;cX.-".•x•.:£.uT',,?a•:;i.,-.-..,.'.tio':C:;`?#:fi ???:?...$?„?.':?$*.1??•--„?.. OV27 LA E FEE 39.OO TOTAL FEES FOR THIS PERIOD $39.00 :: ., yfp. .. .. .. ................ . .....'?y4x... =?.:. ... ):0-a .. N., # .. "£ o5N2 PURCHASE INTEREST CHARGE .62 05!02 PURCHASE INTEREST CHARGE 62.41 05W CASH ADVANCE INTEREST CHARGE 50.50 0552 BALANCE TRANSFER INTEREST CHARGE 11.70 8493317 TOTAL INTEREST FOR THIS PERIOD $125.23 This Statement Is a Facsimile - Not an fxighel 0000006 F*33MC3 000 N 2 ax 1405412 Pq.1 e2 OOM WW-25 12r10000000006rae1 X OD50 24 of 75 Stalemers Dale: 04003110 - 05/02110 Amount Number: 4265 0411 8266 3600 Page 2 of 2 Total teas charged in 2010 $156.00 Total interest chwed in 2010 $493.12 Year-ID4aae b1Ws rated all charges minus any reLnds applied to you account on or she,.1muery 31, 2010. 8493317 INTEREST CHARGES YOU Annual Percentage Rate (API) is the arnual interest rate on your account Annual Balance Accrued Balance Percentage Raft (APR) Sub)ect To Interest Interact Type 30 Days In Cycle Interest Rata Chargs Charges Pucheses 1S.99%(V) $4.748.68 S62a1 $0.00 Purchases 15.99%M $47.15 $0.62 50.00 Cash Advances 19.24%(V) $3,19327 $5050 $0.00 Cash Advances 19.24% (v) $000 $0,00 $0.00 Balance lransler 15.90%(V) $89032 $1170 $0.00 (v) . Variable Rate Plesss see nbrnimman About Your Accohml section for theCalntlation of Balance Butted to Interest Rele, Annual Renewal Norio, How to Awid interest on Purchases, and other impotard information, as applicable. This Statement Is a Falcslmlle - Not an odgkmf X 00000Dt R=2=03 ODD N 2 @ 1a06rat Pp.202 o6 mw "In /221D00002DDDrer2a02 26 of 75 Payment Der Dots New Balance Pee Duo Arnount MtNrrlum Payment /? OVl7A0 8,975.54 s959.9g (,.,92.00 CHASE O aoQoor.d nan6.r zee 861 1b2efs aeeo W - Mahe your check payable to: Cheee Card Services. Plossawrb arexW endosod. New address a *-al- Print on bad,. 42668411826636800011320000897554000000000000004 0061SON eta010C WILLIAM 8 ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 1.11111.1..1..1.1.11..11...1.1....11.1.1...11.411...111.1 L.I CARDMEMBER SERVN:E PO BOX 15153 WILMINGTON DE 190665153 L..IILI.III..r..1.Lidx.LL11.1...t111..1x.ttLL.llxd r is /5000a L60 281: 203 L L8 266 3680 2rle ?a ?Vr??t??np =ZEN- Q Mamye your account oMm: AddMonat contact b.lemrtlon SERV /Gfe. IM co-ervently located on revers side ACCOUNT SUMMARY Accoarht Number: 4266 6411 9206 3690 Previous Balance $6.975.54 New Balance $0.975.54 OpeningiClosing Dale 0 S/03Ito-06102/10 Total Credit Una $6.600 Available Credit $o Cash Access Line $1.720 Available for Cash so PAYMENT INFORMATION New Balance $0,975.54 Payment Due Date 0627/10 Minimum Payment Due $1,132.00 Late Payment Wrvi : If we do not receive your minimum payrnmd by the date fated above. you may have to pay up to s $39.00 late be and you APRs will be subject to increase to a maximum Penalty APR of 29V11% You haven, made the requited paymerds and your credit card account is 90 days past due. As a reou0. you credit bureau may be updated with a negadre rating. Pietas send your payment invnodately or call us at 1-00095640030 (collect 1302.694-0200) belay. Important Massage: You M Ovedirriri You statement balance exceeds your crest line. You should make a peYront that includes he overkne rnouni to birg fie balance under you credo line FLEXELE REWARDS SUMMARY Previous Points Balance 0 Thank you fa using the credt card that earns Pants Earned an Purchases This Period 0 rewards that can be used for travel. gib txr I . Points Earned Through Chase Rewards Plus 0 test. or nwchmWee. Remember. you can New Told Pants Balance 0 earn points by using your Reek" Rewards Total Points Unavailable for Redemption 6.272 credit card for everyday purchases like groceries. gam, and drugsbre purchases. 110 Points to expire on eeernerd on or ate AUGUST. 2013 You Chase Flexible Rewords credit card owns 1 point for every $1 you spend on purchases, Eam up b an additional 10 palms while Wwppirg online lhmugh w chose eankewwxhpkw Add aNnrmed was, and sign up to have your monhly bias charged to your cad, loo. Why not got rewards for all those puclueas too? Its het aimplw. Simply go chnowconkewards b choose your reward today. Redsom you points alyflme: or lust check oud new oters at www.chase.comkewwds. Told lees charged in 2010 $156.00 Totalinkerea charood in2010 $493.12 Yea-4e-dale lotals reflect at charges minus any refunds applied to your account an or after January 31. 2010. 8493317 INTEREST CHARGES Your Annual percentage Ras (APR)ia the annual intrestrra on your account. Amuel Balance Accrued Balance Percentage Raft (APR) Subject To Inlareei Informal Type 31 Days In Cycle Irmeest Rate Charges Charges Purchases 15.99%(h $0.00 $0.00 $0.00 PtrOUSes 27.24%M $0.00 $0.00 $0.00 Cash Advances 19.24% (N $000 $0.90 $000 Cady Advances 27.24%M $0.00 $0.00 $0.00 Balance tender 15.09%(N $0100 $0.00 $000 (v) . Variable Rae Pies" as* YAortfation About You Attars sociorh for to Cakukftn of Balance "act to hear" Rao Amman Renewal Notice. How to Mold Intermit on Purchases, and other in poelant irdonnallon, as applicable. This Statemot Is a Facsimile - Not an original 0001101" F12113106 C3 We v a 02 10100a2 Fg.1a1 cam MA aM03M 151100001"00o00a0a0r 36 of 75 Payment Due Date New Balance Peal Due Amount Minimum Payment o7rano se,97s.54 (1,13x.00 31.311.00 CHASE O R Aeeotnt 1ar.ttbea:4!268 8011 8298 3880 to: check year flow PWsewri antes.arrbsedad. kM.r address, or a-mel? Print on bad,. 42668411826636800013110000897554000000000000005 rear. eon . I-Oc WILLIAM 8 2ELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 ..dttt.,....111A.11 ...I I...IIf.I..l..1.1..1..il...i.1....11.1.1...11,.1.1...11..11..1 CAROMEMBER SERVN:E PO BOX 15153 WILMINGTON DE 19886-5153 1:5000160281: 20 3 L 18 26 6 3 680 2u' w. aYnaya your account a.a-.- Additional minted Intemrden 7GaL cd..?ry.ndy touted on revena dale ACCOUNT SUMMARY Account Number: 4296 8411 8286 38M Previous Balance $8.975.54 New Balance $9.975.54 OpsninplCbdrg Dale 06103110 - 07MVIO Tote[ Credit Une $9.600 Available Credit so Cash Access Line $1.720 Avoilablelor Cash s0 PAYMENT INFORMATION New Balance (8.975.54 Payment Due Date o7r27n0 Minimum Payment Due $1.311.00 tab Payment Wwnkq: V we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 Iota Ise and you APRs will be "ad to increase to e maximum Penalty APR of 28.99%. Ira not too lee to resolve the outetanding balance an your credit card account We hove a variety of payment options riot maybe right for you. Call 1- NO.792-7547 (Collect 1-302-564.8200) today. Irtpalarht Message: You M Ovedim9 You statement balance exceeds your credit line. You should make a paynera that includes fie overlimit amount to bring the balance under your credit hne. This account is closed and not available for new transwoons It hereis a balance pease contnue to make payments try the duo dab FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credt card that eame Points Earned an Purchases This Period 0 rewards that van be used for travel, gift cards. Ponns Eamed Through Chaas Rewards Plus 0 cash. or merchandise. Remember. you con Total Potrhis Forie4ed This Period 6.272 eam points by using you Raxiblo Rewards New Total Pointe Balance 0 credit card for evaryday purchases like 9"Mes. gas. Mid drugstore purehasas. Your Chase Flexible Rewards asdp card owns 1 point for every $1 you spend on purchases, Earn up b an additional 10 points whale altdppkg onttns Vrarph www.dlaas.COfNlerafdoi**. Add authorized users. and sign up to have you monfhly bibs charged to your card. oo. Way" gel rewards for sip thoseplrchaeas too? Ks Vitt awrhple. Si pty 9c dese.comtewarde to choose your reward today! Redeem your (,rims anylkne, o1 just deck out new oners at www.tlese.comheweros 1110 -0 K" Total was charged in 2010 3156.00 Total interest charged in 2010 $190.12 V*W40-dole totals reflect at charges minus any refunds applied to your account on or after January 31. 2010. 8493317 INTEREST CHARGES Your Annual Percentage Rase (APR)is the annual interest rue on your account. Arimad Balance Accrued Balance Percentage Rah (APR) Subject To Interest kdw wt Type 30 Days h Cycle Inhn eat Rah Charges Charges PuMhasas 15.98%(v) $0.00 $0.00 $0.00 Pudtesea 27.24%(h $OAO $0-00 $0.00 Cent Advances 19.24%(v) $0,00 $0.00 $0.00 Cash Advances 27.24%M $O.oo s0.00 $0.00 Balance tonsfer 1s Do%.(v) $0.00 $Obo WOD (A . Variable Rue Pteass acs Intonnabon About You Account section for the Calculation of Be once Sioad to interest {late. Annual Renewal Notice. New to Avoid Merest on Purchases. and ethar important Mon. liom as applicable. This Statelf Bent Is a Feesll aft - No an or194W a0010e Fl333305C3 ON Y a 02 IGWJ02 P.O.1 dt Oh MM 07M X am artaommooom.nm 56 of 75 Payment Der Data Nov Balance Poet Due Amount Wni um Payment oe/nne se97s.54 $,.3,,.00 r.«a? CHASE 0 Account raaltber: •286 6411 6286 3680 Make yea check payable b: YW. Chase Card go v PW"wrae anotm andoaod. Nawr address or o-mae? Poirot oro bads. 42668411826636800014900000897554000000000000007 a134Sealr aa.hoc WILLUM 8 ZELNER 219 W DAUPFUN ST ENOLA PA 17025-2210 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1888&5153 1:5000160 281: 2031, LB 26636BO 2aa ??nera ?«sr my?= /?Msaaaeyw acwunt onions: " ?Q M?MSpt mss . ?? Camatianey Ixaad on ravens, side ACCOUNT SUMMARY Account Number. 4288 6111 82883880 Previous Balance $8.975.54 New Balance $8.975.54 opMingiClosing Dete 07703/10 - O"arlo Total Credit Line $8.800 Available Credit $O Cash Access Lire $1.720 Available for Cash $O PAYMENT INFORMATION New Balance $8.975.54 Payment Duo Data 00127110 Wrtirrhum Payment Due $1.490.00 Late Payment Warning: If We do not recehre your nvrinum PayrTom by the dale listed above. you may have to pay up to a $39.00 lag fee and your APRs VON be MgOM to Wicreaseto a nre:dm m Psrahy APR of 29.99%. You haven't made he required payments, and your uses card account is 150 days past due. You can alit turn things around. Can us today at I-M-792-7547 (00110=1-3022394-0200) so that we con 81M a solution for your Situation. onpontnt AAessage: You M Ovsrnrri8 Your alliwrwm balance exceeds your credit line. You should make a peynwm that includes he overlina amount to bring he balance under your credit line. This account Is dosed and not available for Haarvaruacfons 8 here is a balance pease continue to make paynhans by the due dos FLEXIBLE REWARDS SUMMARY Previous Parts Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel. gill cards. Pants Earned Through Chase Rewards Plus 0 cash, or ro ncho"iss. Rarnember• you can New Total Points Salame 0 arm points by using your Flexible Rewards credit card for everyday purchases like groceries. gas, and drugstore purchases Your Chsse Flexibe Rswarda edit card arms 1 point for every $1 you spend on punhasea Earnup lo an additional to pares while alcppig orakns th=ough www.drsa.Comhewi rdsp!us. Add authorized users. and sign up to have your monthly bills charged to your card. too. Miry not gal rewards for all those purchases too? Its that air". Siriply go chass.co n i ewards to choose your reward today! Redsern your points aryfing, or Just check out raw offers at www.chese.conrurewards. Total fees charged in 2010 $158.00 Total interest charged in 2010 $493.12 YOW40-data Woods reNM all charges mnus any refunds applied 10 your account on or after January 31. 2010. 8493317 INTEREST CHARGES Your Amur Percentage Raft (APR) is the annual interest rag on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To holan at a 10634 Type 31 Days In Cycle Interest Raft Charge Charges Purchases 15.99%M $D.00 $0.00 $0.00 Purchases 27.24%M $10.00 $0.00 $0.00 Cash Advances 19.24%M $0.00 $0.00 $0.00 Cash Advances 27.24%(V) $000 $0.00 $0.00 Balance trenaler 15.99%M 11o.Do $0.00 $0.00 Balance yanaler 27.24%(v) $0.00 60.00 $0.00 (v) - Variable fiats Please ace 6 on ffbn About Your Account section for the Calculation of Balance Subject to Inlarsal Rate. Annual Renewal Notice How to Avoid Interest an Purchases. and other enportant intomusUon• as applicable. This SmermM b * Ffcsi! ft -Net a aklOml seomt fRmmea coo v e 112 11WOM Pgaldt oats MUrea 03595 nHdbGDerdOEda ma x dsso 38 of 75 Payment Due Date New Balance Past Due Arnount Minimum Payment It9rano s6.97s.s4 f1.49o.0o tt.669oo CHASE O At:ewxht number:12868/Tl 8268 3880 . Male: veer checklay imo te: Chine Card 9arvleo. PMacswr N sir 11' Now sed.esas a a+m -ai? Print R W Gal. 42668411826636800016690000897554000000000000009 oftZ5 eOr 9 2410 c WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 I...1.1.... I 11.11-1h.11 . 11 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON OE 198065153 1:50001.6028m: 203 L L8 26 6 3680 2ra T H 1111-ye Oe your sacaunt amm: Additional caber Information SdSR YOttl.chose .coinkradICY9w canvarionhry, located on reverse, ode ACCOUNT SUMMARY Account Number: 4266 9111 82863600 Previous Balance $8.975.54 New Balance $6.975.54 Operfrg/Ctosng Due 06/03/10 - 09A1/10 Total Credit line $8.600 Available Credit $0 Cash Accts Line $1.720 Available lot Cash so PAYMENT INFORMATION Now Bslarm $8.975.54 Payments Due Due 0927110 MLrmum Payment Due $1.869.00 Lau Payment warning: m we do not receive your minimum parymard by the class (sled above, you may hors w pay a hits /w of up to $36.00 and your APRs Will be subject to wncresw w a rn odin nh Penally APR o129.90% The ouslarbinp balance on your credit card account is scheduled 10 be written o6 as e bad debt shorly. As a resdL you credit bureau will be updelrM with is negative rating that could last for up to seven years. We on aaa help but you need b ml u now al 1-8as•792-7547(collect 1-302-504-11200). Inponarit Message: You Are Ovedimt! You statement balance exceeds your credit line. You should make a payment that includes the overlirnk amount to bring the balance under your credit line. This account hs dosed end not available for new, lismusclons 8 tws is a balsno piesw oonynus 10 neke payments by the duo dale. FLEXIBLE REWARDS SUMMARY Prevvous Pokes Balance 0 Thank you for using the cmdt card that came Pam: Eared an Pudnssee This Period 0 rewinds that can be used for travel, gift cads. Pam: Eared Through Chose Rewards Plus 0 cash, or merchandise. R manta r, you can New Toe Points Balance 0 :not poids by using your Rexbte Rewards credit card for everyday purchases filur grooriw. gas, and drugstore parrchaaee Your Close Razitle Rewards aadA card came 1 Point for every $1 you spend on pure hase& Earn up to an additional 10 points While ehopphg online trough Www.dmw.canhowads(Ae. Add au0rorized users, and sign up to have your monfny bills charged 10 your coq too. Why not get rewards for all thow purchases too? Ira set wimple. Sk" go dhase.C~8wards to choose your reward today! Redeem you points anytime, or past chedm out new offers at www.chase.con wads. Total leas charged in 2010 V $156.00 Total interest charged in 2010 $493.12 Year-to-dae totals rallect all charges minus wry refunds applied to your account on or after January 31. 2010. 8493317 INTEREST CHARGES You Annual Percerta8e Rafe (APR) is the annual interest rue on your account. Annual Balance Accrued Balance Pat co tags Rats (APR) Subject To Inutem it Type 30 Days In Cycle interest Rage Charges Cla rgea Pudteow 15.98%(v) $0.00 $0.00 $0.00 Plrcu:as 27.24%M $0.00 $0.00 $0.00 Cosh Advances 18.24%(v) $0.00 $0-00 $000 Cash Advances 27.24%M $0.00 $0.00 $0.00 Balance transfer ts.e9%M $0.00 $0.00 $0.00 Bdaflbe transfer 27.24% M $0.00 $0.00 WOO (v) - Variable Rae Please acre Information About Your Aoeourd section 1st t w Cak%ftV n of Balance Subject loIntareal Rae. Annual Renewal Notice How to Avoid Interest on Purchase:, and other i rportam information, as applcable. T Statement is a FacaWle - Not an aiglnel 000113or fl33SMC3 see Y e W 1Oman "at Y, erns M.W 0e1H ]!Mhcssomosmamoh X 0060 18 of 75 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on I ?, day of 2011 upon the following: William Addams,Esquire 43 W South St Carlisle Pa 17013 By: ibler, Esquire W tm .WWeinberg & Reis, Co. 140 oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 8493317 PRAECIPE FO LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) --------------------------------------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) N o - CHASE BANK USA, NA 3 ?_ n --? CZ) A mF vs. ? 7?0 n -Om c)t WILLIAM B ZELNER 7 --4c> No. 5520 ] 0 C>-n Dom ? oM 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer cr 5 complaint, etc.): -< Co 5 -< MOTION FOR SUMMARY JUDGMENT 2. Identify all counsel who will argue cases (a) for plaintiffs: BENJAMIN R BIBLER, ESQ (Name and Address) 436 7TH AVE, SUITE 1400, PITTSBURGH, PA 15219 (b) for defendants: WILLIAM ADDAMS, ESQ (Name and Address) 43 W. SOUTH STREET, CARLISLE, PA 17013 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: FEBRUARY 18, 2011 S nature BENJAMIN R BIBLER Print your name PLAINTIFF 1/13/11 Attorney for Date: INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe for Listing Case for Argument was served by U. S. Mail, postage prepaid, this ('Nh day of, 2011, upon the following: William Addams, Esquire 43 W. South Street Carlisle, PA 17013 By: 11-1/ Benja R. Bible , quire PAI #9 98 Welt a einberg & Reis CO L.P.A. 1400 oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 #17. CHASE BANK, USA, N.A., Plaintiff V. WILLIAM B. ZELNER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2010-5520 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, JR., GUIDO, MASLAND, JJ. ORDER OF COURT AND NOW, this 22ND day of FEBRUARY, 2011, upon consideration of Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $8975.54 with interest at the rate of 6.00% per annum from July 30, 2010, Attorney's Fees of $300.00, plus costs. By the Court, Edward E. Guido, J. /Benjamin R. Bibler, Esquire ? William Addams, Esquire Court Administrator Py ? -> :LLB ?r t c? rn alai f=°- :tea - -,-, WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-5520 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA N.A. Plaintiff (s) From WILLIAM B. ZELNER, 219 West Dauphin Street, Enola, PA 17025 (1) You are directed to levy upon the property of the defendant (s)and to sell ' . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS 1sT FCU, 1711 SPRING ROAD, CARLISLE, PA 17013 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof, (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$9,631.12 Interest $52.25 Atty's Comm % Atty Paid $174.66 Plaintiff Paid Date: May 20, 2011 L.L. $.50 Due Prothy $2.00 Other Costs (Sea]) REQUESTING PARTY: Name MATTHEW D. URBAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO. L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 90963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-5520 CIVIL TERM WILLIAM B ZELNEk ?P 11095 • , oZ W • CLKP h U1 Defendant C") MEMBERS I ST FCU, jzb ?0 17013 17lt $Prie'l C ° J Garnishee x <> o ? PRAECII'E FOR WRIT OF EXECUTION r"Z TO THE PROTHONOTARY: Z Kindly issue a Writ of Execution in the above matter N ... G I . directed to the Sheriff of CUMBERLAND County: 2. against WILLIAM B ZELNER, Defendant 3. against MEMBERS I ST FCU, Garnishee 4. Judgment Amount $ 9631.12 Interest $ 52.25 Costs SUBTOTAL: $ 9683.37 Costs (to be added by Prothonotary): $ aN- %- Sb T4 ?l.So68F J 00 11 if I LI 00 G " d . SD w 1--)Li. So ?d 0 IT WELTMAN, WEINBERG & REIS CO., L.P.A. r5y: L--- MATTHEW D. URBAN, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 l'r,?Crv. '0;'a s .sow ,e.?as9?s U11 -? 0 ? ?? -Tc'c' 'f-rll IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. WILLIAM B ZELNER Defendant MEMBERS I ST FCU, Garnishee, No. 10-5520 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: MATTHEW D. URBAN, Esquire PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8493317 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff OFFICE -r -HE S!-ZRIFF FILED-OFFICE (IOW' THE PR0TH0' WIT,%R , Jody S Smith Chief Deputy Richard W Stewart Solicitor 2011 MAY 27 AM 9: 48 CUMBERLAND CUU14T' PENNSYLVANIA Chase Bank USA, N.A. vs. William B. Zelner SHERIFF'S RETURN OF SERVICE Case Number 2010-5520 05/25/2011 11:35 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 25, 2011 at 1130 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: William B. Zelner, in the hands, possession, or control of the within named garnishee, Members 1st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17015, by handing to Cathy Wissley, Customer Service Representative, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on May 26, 2011 to William B. Zelner at 219 W Dauphin Street, Enola, PA 17025. SO ANSWERS, May 26, 2011 RON R ANDERSON, SHERIFF Wil iam line, Deputy (c;! CountySulte Sheriff. Teleosofif_ Inc. WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Matthew D. Urban, Esquire I.D. No.90963 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8493317 Attorney for Plaintiff(s) Cl) CHASE BANK USA, NA vs. WILLIAM B ZELNER and MEMBERS I ST FCU Garnishee(s) CUMBERLAND County CC) Court of Common Pleas 2C-? y„ c X NO. 10-5520 CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: C; ^' -n A C:)-r1 rv o M Kindly marked the above matter discontinued and ended as to Garnishee(s), MEMBERS 1 ST FCU, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Matthew D. Urban, Esquire Attorney for Plaintiff Sworn to and subscribed Before me the y JUNE, 2011 ' G N ARY P IC COMMONWEALTH OF PENNSYLVANIA Notarial Seal Wayne A. ]ones, Notar/ Publl" i aty of Pittsburgh, Allegheny C' i MY Commission res June ,.. -.-j Member. Penns0vanla Aswdc',:. , ;-Ct Qmvag.cppda ct'a 9c gcmoas 2&A0 U9ZI