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HomeMy WebLinkAbout10-5858PLED-C. ri Op7y `, INTY ?ENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: 10 - bvit-7exin vs. ALEKSANDR A MIKLUSH 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 08576649 C J Pit SJS (F) *QA.00 PO ATrif C f 47M 33q P'41"? q8146 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No ALEKSANDR A MIKLUSH 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 200 WHITE CLAY CENTER DR NEWARK , DE 19711 2. Defendant , is adult individual(s) residing at the address listed below: ALEKSANDR A MIKLUSH 2 B RICHLAND LN APT 20 CAMP HILL, PA 17011 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX8487 . 4. Defendant made use of said credit card and has a current balance due of $5541.65 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 , ALEKSANDR A MIKLUSH , INDIVIDUALLY , the amount of $5541.65 with continuing interest thereon at the statutory rate of 6.000% per annum from August 27, 2010 , plus attorneys fees of $300.00 and costs. James C. ro t,42524 WELTMAN, =BERG & REIS CO., L.P.A. 436 Seve th Avenue, Suite 1400 08576649 C J Pit SJS Pittsbu gh, PA 15219 (412) 4 4- 955 FAX: 4 2-3 8-7130 This law firm is a debt collector attempt' g to collect this debt for our client and any information obtained w'1 be used for that purpose. Payment Due Date New Balance Past Due Amount Minimum Payment 1 06/28110 55,541.65 $414.00 5525.00 Account number: 5582 5086 1533 8487 Make yCour check payable to: Chase ard'Services. Please write amount enclosed. New address or e-mail? Print on back. 55825086153384870005250000554165000000000000004 30288 SEX Z 15910 C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 213 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 r111Lr1116rrrrrlLrrlLrl,Ll,llrrLlrrrllr111,L?11Ldrl Irrrlllrlrrirrlrlrrlrrllrrrirlrrrrllllrlrrrll111rlrrrllt111rr1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:500016028t: 1698r.IS3 38 4 8 7 911e ® Manage your account online: Additional contact information frorn CHASE 0 www.chase.comAnk conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 5582 50861533 8487 New Balance S5,541.65 Previous Balance 55,485.46 Payment Due Dale 06!28110 Interest Charged +556.19 Minimum Payment Due $525.00 New Balance $5,541,65 Opening/Closing Date 05/09/10 - 06/08110 Total Credit Line 56,000 Available Credit $458 Cash Access Line $1,200 Available for Cash $0 Late Payment Warning: If we do not receive your minimum payment by the due date, you may have to pay up to a $39 late fee. Minimum Payment Warning: Enroll In Auto-Pay and avoid missing a payment. To enroll, call the number on the back of your card or go to the web site listed above. 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 gel back on track. Call 1-888-549-6881 (collect 1-302-594.8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. INK CASH a POINT SUMMARY Previous Points Balance 0 Rewards start at 1,500 points for Base Points on all Purchases 0 gift cards or get $50 cash back with Points Earned through Chase Rewards Plus 0 5,000 points. Earn more rewards New Point Balance 0 when you set up automatic payments for your recurring bills - visit www.chasebilimanager.com, Earn 3 points on all eligible purchases made at gas stations, restaurants, home improvement 8 hardware stores, and office supply stores. Earn 1 pt. per S1 spent on all other purchases with no limits or caps. You can also earn up to 10 points per dollar spent when you make online business purchases at hundreds of leading merchants. Visit www.chaserewardsplus.com to see our current offers. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount 06/08 PURCHASE INTEREST CHARGE 56.17 06/08 CASH ADVANCE INTEREST CHARGE .02 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) 556.19 INCLUDING PAYMENTS RECEIVED 2010°Tnt5laY?eir?o-Date Total fees charged in 2010 $0,00 Total interest charged in 2010 $271.98 Year-lo-dale totals reflect all charges minus any refunds applied to your account on or after January 31. 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Purchases 12.00% $5,511.06 S56.17 $0.00 8576649 Cash Advances 12.00 % $1.51 51 $0 50,02 .02 $000 Mimi 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. This Statement is a Facsimile - Not an original ...,?.__ 0000001 FIS33038 C 1 000 N Z 06 10/06/06 Page 1 or1 05606 MA DA 30288 159'0000010003026801 " X 03091NS 1 4619 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- 8576649 City: ------------------ State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------- L To contact us regarding your account: By Telephone: In U.S. 1.800.346.5538 ? a'IV1 Espanol 1-888-795.0574 Send Inquiries to: Mail Payments to: Visit Our Website: TOO 1-800-955.8060 Pay by phone t-800436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.comi Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 198863153 1-480-350-7099 Information Abdul Your Accomnl Crediting of Payments: You may make payments by any of the options listed below. The amount of your payment should be at bast your minimum payment due, payable In U.S. dollars and drawn or payable through a U.S. financial Institution or the U.S. branch of a foreign flmmahl institution. You may make payments by regular U.S. mall Send your payment to the Payments address shown on this statement. Your payments by mall must comply with Ile instructions on this stateroom. Do not send cash. Writs your Amount number on your check ar money order. Payments must be accompanied by the payment coupon in The envelope provided with our address visible through the envelope window, the envelops cannot contehn more thin ore payment or capon; and here can be no saples, paper allies, tape or correspondence hall Wed with your payment. If your payment Is in accordance with our payment Instructions and Is made awilabb to us on arty tlry by 5:00 p.m. local ikne at our Payments address on Ills statement, we will credit the payment to your Account as of that dry. U your peynrs Is In accordance with our payment Instructions, but Is nude available to Is after 5:00 p m. local time at the Payments address an this statement, we will credit d to your Aaount as of the nerd calendar day. You may make payments electronically through our webslte shown on this statement. Owe receive your completed natural on our virtual by 5 p.m fasten Tore. we will credit your payment as of that day. If we receive your reduem after 5 p.m. Easters The, we will credit your payment as of the most calendar day. It you specify a future date In your request we will credit your payment as of that day For all other payments or for any payment type above for which you do ncf follow our payment instructions. crediting of your payments may be delayed tar up to 5 days, Aaount Information Reported to Credit Burma: We any report Inlornmtbn about your Account to credit bureaus. Late payments, mlased payments or dihm defaults on your Amount may be reflected in your credo report. If you think we have reported inaccurate Information to a credit bureau, you may write to us at the Irpulrlas address shown on this transitions. Noli0e Abdul Electronic Check Coeenlon: When you pay by chock, you authont, us either to use io¢umaon tram your check to make a ore-time electronic IuW transfer from your retai er to process the payment as a check transaction. Whanweuseihiormatbnfran your check to make an electronic fund transfer. funds maybe withdrawn from your account as sofa as the same day we reform your payment, and you will rot real your crack back from your financial Institution. Call the Customer Service number an thin statement If you have questions about electronic check coeectlon or do out want your payments colboted el,otn caliy. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that Is marked 'paid in full" or contains a similar notation, or that you otherwise lender m full sallsfactlon of a disputed amount, must be sent to Card Services, P.0. Box 15049, Wilmington, DE 19850.5049. We reserve all our rights regarding these payments (eq., 0 it Is determined there Is m wild dapule or 0 any such check Is received at arry other address, we may accept the check and you will still owe any rearrialtiling balance). We may force to accept any such payment by returning it to you, not cashing 11 or destroying A. All other payments Int you make should be sent to the regular payment address shown on this detemeN. Annual Renewal NuBee: If your Account Agreement has an annual membership fee andY or shri charge for Issuance a availablify of your account, it will be billed each year or in monthly or quarterly Installments. This fee and/or charge are owed whether or not you use your Accomd, and you agree to pay them when billed. The anal lee and charge are non-refundable unbos you notify us that you wish to close your account witfdn 30 days or one bBitn0.cycle (whichever is lees) after we Pravda lte statement on which the annual lee or charge is billed and at the same time, you pay your outstanding balance In Iu0. II you do this, for a charge billed mar. often than annually such as a monthly service charge, you will not owe the last billed charge; however, prior billed charges are ton-refundable and must be paid as part of paying you outstanding balance In heal. Your payment of the annuat film or charge does not affect our rights to close your Amount and to limit your right to make transactions on your Account, If your Account is closed by you or fie, we wel confirm to Impose the annual lee al charge urdll you pay your outstanding balance In full and terminate your Account relationship. Caleulallon of Balance Beb(act to Interest Rate: To figure your poll interest charges lot each billing cycle when a dally periodic role(s) apples, at use the daily balance method tin ludrp current transactions). To figure your periodic Interest charges for each billing cycle when a monthly periodic rate(s) eppliea, we use the avenge daily balance method (including current transactions). For an explanation of either method, and questions about a particular interest charge calculation on your malemem, please call us at the tog Ime customer service phone number listed above . We calculate collate Interest charges, using the applicable periodic rates shown on this satemmd, separately for each feature III balance transfer checks and cash advance checks ("check Immu mill puratica , noun transi rash ad..., pmmehnei bell or overdraft advances). These calculations fey combine different calegmles with IM same periodic rates. Val rates will vary with the market based on the Prime Rate (or such Index described or your Account Agreement). Them Is a minimum interest charge of 31.50 for such amours described in your Amount Apmemen i in any poi g cycle in which you owe any pededic ihimanit charges; and a Irensaction fee for ouch balance transfer. cash advance, or check transaction, In the amounts stated in your Account Agreement, as If may be amended. There is a foreign trancieton lee of 3% of the U.S. dollar amount of any foreign transacion (or sucn amount described In your Account Agreement). Interest Accrael We accrue periodic merest charges on a transaction, fair or interest charge from the date t Is added to your dally balance umlll payment in fun Is recelwd on your amount. DA12022009 Cardmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT This agreument governs your credit card ac.cuunt with us referenced on the card carrier containing the card for this accounl.Anyuse oiyouraccount is covered by this agreement. Please, read the entire agreement and kuup it for your records. You authorize us to pay for arid charge your account for all transactions made on your account. You promise to pay as 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 for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other parson(s) to pay. Please sign the back of your card when you recuive 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, Whetheryou use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" and "and" mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible lorcomplyingwith this agreement, including the, personwho applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word "card" means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain crorlit under this agroornent. USING YOUR ACCOUNT Your account is a consumer icr,ount and shall bu used only for personal, family or household purposes. tJnless we agreo 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, internal gambling may be illegal in Soma, 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 LISP. your card to pay for goods or services. Checks: Wo may provide you cash advance checks or balance transfer checks as a way to use your account. We also refer to them in this agrournent as a chock or checks. You may use a chuck to pay for goods or servic.es,to transfor balances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from othur accounts with as or any of our related companies. Only the person whose name is printer( on the check may sign the chuck. Cash advance checks are fro ated as cash advances and balane transfer chocks are truawd as balance transfers except as noted in this agrournent orally offer we make to you. We may treat chocks that we call convenience checks as balance transfer checks. However, checks hat we call convenience chr. cks and that we indicated to you are subject to the terms for rash advanr•P.s, rnay bu treatod as cash advances and assessed cash advance rates and fees. Balance: Transfers: You may transfer balances (rum othor accounts of loans with other credit card issuers or other lunders to this account, mother balance transfers wo allow. But you may not transfer balances to this account Irani other accounts with its or any ei our related companies. If it portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer Up to your available credit line.. Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-liku charges; urto obtain lottery tickets, casino gaming chips, race trackwagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that chocking account under ilia, terms of this agreement and your checking account agreement. Billing Cycle: In order to manago your ncc,ount, 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 onds 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 cyclL. Aulhorized 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 authorizer) user on your account. II you do so, this account may appear on the credit report of that authorized user. You should think carLlully before allowing anyone to become an authorized user hLc-euse you are allowing that person to use the aeCUmtt as you can. You will remain responsible for the use of your account and each cared issood on your account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account, If you notify us, we rnoy close the account arid/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 Lou appears on your billing statements. We may also refer to Ilia credit tine 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 P,tL 1 of G 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 overhinn.lue as described in this agreemem. Wo may, but are not required to, authorize. r0mr9rs trial go over your credit line. You must pay any amount Over your credit line., and you must pay its 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 timu. Howevor, if you have asked us not to do so, we will not increase your credit line. Achange to your credit line will nut affect your ubligauon in pay us. International Transactions; International transactiuns include any transaction that you matte in a luroign currency orthal you make outside of the, United States of Amoricn even if it is mada in U.S. dollars. It you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., will convert ilia transaction into U.S. dollars by using its ruspective currency conversion procedures. The exchange rata each entity uses to convert currency is a rate that it selects either front the rango of talcs available. in the wholesale currency markets for ilia applicable processing date. (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate ill Lllect on the applicable processing date may differ from ilia rate on the date you usod your card or account. We reserve the right to charge you an additional 3°/i of the U.S. dollar amount of any international transaction, whrthnr that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The same procoss and charges may apply it any international transaction is reversed. Refusal to AulhurizeTransocliuns: Wu may, but are nut I er,uirod 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 nccnunt 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 it we wan! YOU to register. If you do riot register, we may decline your online transactions. Refusal ut Pay Checks: Each check you write is your request lot funds. When we nec.eive a check for payment, we may review your account to decide whother to authorize that check. We may, but are not required to, reject and return unpaid a check dor any reason, including Ihu following examples: We of one of our related companies is thu payee on ilia Chuck. • Your credit line or cash advance purtion of yow cfe'dit line has been exceutied, or would be exceeded if we paid the chunk. The check is post-dater(. If if post-dated check is paid, resultuu; in another check being returned or not paid, we are not rasponsible. • You have used the check chat ilia data speciliurd on it. You are in default or would be if we paid tlu: check. Lost or Stolen Carols, Checks or Account Numbers: It any card, check, account muutbec or other means to access your account is lost or stolen, or you think sorneone used or may use them without your permission, you must notify LIs at once by ral6rirl the Cardmemher Service telephone number shown on your cared or billing statement. Do nut use your account after you notify us, Mn it your card, check, account number oc rrhLr means to access your account is found or returned. We may terminate of s'u'spond yum credit privileges when you notify us of any loss, theft or unauthorized use rrlalod to your account. You may bit 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 ilia loss, theft or unauthorized use. However, you must identify for LIs the unauthorized charges Rom which you received no benefit. We may require you to provide us information in writing to help us lined out what happenud. We may also require you to comply with curtain procedures if) connection with our invostigntion. PAYMENTS Payment Instructions; Your billing statumnnt and accompanying envelope cncludu instructions you must follow for making payments and sots loth the auto anrd time by which wo must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on dupusn inn U.S. financial institution or lhr. U.S. branch of a foreign financial instilulinn using is payment check, monoy order or automatic dohittitat will be processed or honored by your linancial institution. We will not accept cash payments. Your total available credit may not be rustorod for LIP to 15 clays after we receive your payment. Any payment check or other form of payment which you send to us for less than the lull balance that is marked "paid in full" or with a similar notation or thatyou otherwise uendur in full salisfacliun of a disputed amount [conditional payments), must be sent to its at the. conditional payments arddross listed on your monthly s!ntemoni.We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute Or it any such payment is rucoivLd at any other address, we may accept the payment and you will still owe any rumainino balance. We may rL'lusu to accept any such payment by returning it to you, not caslcing it or by destroying il. All other payments that you make should be sent to the rerdular pnyment address Shown on your monthly s!atements. EXH18-IT We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the batik account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronically by standing the check amount along with the check, routing and account nurnhLrs 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 he maintained in our records. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your billing staturnont, so that we receive it by the date and time payment is due, You may pay more than the minimurn payment duu and may pay the full amount you owe us at any time. If you have a balance that is subject to finance chargus, tho sooner you pay us, the lessyou will pay in finance charges because finance charges accrue on your balance each ddy. Your billing statement shows your beginning balance and your ending balance (the "New Balance" on your billing statement). If the New Balance is S10.00 or less, your mininwm payment due will be the New Balance. OthorwiscI, it will be the largest of the following: 510.00; 2% of the New Balance.; nr the sum of 1% of the New Balance, total billed periodic rate finance charges, and any billet) late and ovorlimit fees. As part of the minimum payment due, we also add any amount post due and any amount over your credit line. Payment Allocation: You agroe that we are authorized to allocate your payments and credits to a way that is most favorable to or convenient Torus. For example, you authorize it,, to apply your payments and credits to balances with lower APRs (such as promotional APRs) before holances with higher APRs. Credit Balances: You clay request a rLlund at a credit balance at any time. We may reduce the amount of any crerlit'oalince bythu amount of new chargus or funs billed to your account. Automatic Chnges: You may ruthorizo a third party to automatically charge your account for repeat transactions (for example, monthly utility charges, mOmbLrships and insurance. prLroiums). II automatic charges are stopper) for any reason (including bucause your account is closed or suspended for any reason) or your account number changes, you are responsible for notifying the biller and paying these charges directly. It your account number changes, we may, but are not required to, pay from your new account number charges that you authorized to be billed to yourold account number. Promotions: From time to time wu may offer special terms for your account. If we du, we will notily you about the terms of the. offer and how long they will be in effect. Any promotion is subjr.ct to the turnts of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ("APRs") and the corresponding daily periodic rates are listed on [tie Rates and Fees Table that is at the end of this document or provided separately. To gel the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that applytoyour account mayvarywilh changes to the Prime Rate. When you have an APR that varies with changes to the Prince. Rate, we calculate the APR by adding a margin to the Prime Rate published in The. Wall Street Journaltwo businoss days before the Closing Date shown on your billing statement. The "Prime Rate' is the highest fU.S.t Prime Rate published in the Money Rates section of The Wall Strout Journal. If The Wall SrreeNournalstops publishing the Prime Rate, wo will select a similar reference rata and inform you on your billing statument or Ihrouah a setimato 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 Pees 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 husiness days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then adif thr. applicable margin to that Prime Rate to get the APR. Thu daily periodic rate is calculated ns described above.. It our calculation results in a change to a daily periodic rate: burn the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first (lay of your billing cycle that ends in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher pLriodic 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 its or any of our related companies for any of the following reasons: We do not receive, for any payment that is owed out this account or any other account or loan with us, it least the minimum payment due by thu date and time due. You exceed your credit line on this acCOUnt. • You make a payment to its that is riot honored by your bank. If any of these events occurs, we may increase the APRs (including any promotional APR) tan all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fues 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 its or any of our related companies; and inlormation we obtain from consumer credit reports ohlainLd frurn credit btueaus. The default rate will take effect as of the first day of the billing cycle in which the default occurs. 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 nlaxinllun default rate stated in the Rates and Forts 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 reini standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic financL charges separately for each balance associatedwith a different category of transactions (for example, purchases, balance transfers, balance trensrer checks, cash advances, cash advance checks, overdraft advances, and each promotion).These calculations maycornbine 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 advancus, cash advance checks, and overdraft advancos by multiplying the daily balance for each of those categories by 1110 daily puriudic rata; for each of those categories, each day. You may have overdraft advances only if you have linked this account to it checking an,CLUnt tvith one of our related banks. We calculate the periodic finance chargus for purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same wary, but we use the promotional rate. To gut the daily balance for each clay for each category • We take the beginning balance for that day. We add to that balance any now transactions, iLes, other charges, and uehn adjustments that apply to that category. We add it now purchase, cash advance, balance transfer mr overdraft advance, if applicablu, to Ow daily balance ns of the transaction date, or a later elate of our choice. We add 8 new rash advance chock or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by it payer., or a later date Of our choice, • We subtract from that balane.L any payincnts, rrudits, or credit ndjusinxants 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 halaime.. for Lar.h category for the next day, vvu ado 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 balancL, we will use the daily periodic rate that applies for the average daily balance amount at the find of the hilling cycle to ralr.ulele 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 unch 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 FLus lablu. If it is r1L'cessary to ad(] an additional amount to reach the minimum finance charge, wo mid that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will he the sum of the periodic finance charges plus any transaction fee finance charges. For each categorywe calculate air average daily balance (including newiransartions) 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 tite average daily balance for a culegmy by the applicable daily periodic ralo, and multiplythe result by the number of days in the billing cycle, the total will L'qual lhu periodic finance Charyus for that balance attributable to that billing r.yr.ln, except for minor variations cluo to rounrliuy. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to yourdaily balance until payment in full is received on your account. However, we do not chnrgu periodic finance charges on newpurchases billet) during i billing cycle it we receive payment of your Now Balance by the date and time your minimum payment is due and we roceivud payment of your New Balance tan your previous billing statomoul by Thu 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 flip. in the amount stated in the Rates and Fees Table. for cash advance checks end cash advances. In addition, if you use a third party service m make it payment on ymtr behalf and the service charges the paymunt to this account, we may cltargu it transaction lee for the payment. These transaction foes are finance charges. WL add the fuu to the balance lot thu related category as of the transaction date of the cash advance. For examplu, a transaction fee for a cash advance would be addLd to your cash advance balance. Transaction Fees for Balance Translers:V`k may charge you a balance transfer feo in the amount stated in the Ratus and Fees Table for balance transfer checks and balance transfers. These transaction fees ire 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 he added to your balance transfer balance. OTHER FEES AND CHARGES We may charge the following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Annual Membership Pee: If your account has an annual membership fee, it will be billed each year or in monthly installments las stated in ilia Rates and Fees Tahlel, whether or not you use your account, and you agreL to pay it when hilled. The annual Page 2 of 6 CMA12762 membership fee is non-refundable Uri ILI SS you nnlify us that you wish to close your account within 30 days of the date we mail your hilling statement on which tho annual membership fee is charged and atthe same time, you poyyouroutstanding balance in full. Ynurpaymont of that annual membership fee does not affect cur right to close your account or limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual membership fell until you payyour outstanding balance in full and terminate. your account rolationship. Laic Fee: If wo do not receive at least the required minintunt payment by the date and time it is due as shown an your hilling statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we calculate tho 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 for which we dirt not receive at least the required minimum payment by the date and tittle it was due. Ovariimit 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 foe. even if your halance is overthe credit line because of a finance charge orfee WE imposed or a Iransaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent hilling cycles. Return Payment Fee: If jai your payment check or similar instrument is not honored, (b) an automatic debit or other electronic payment is raturned unpaid, or (r.) we must return a payment check because it is not signed or cannot be Processed, we may charge if return payment fee. Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer chuck at your request, Or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return chuck feu. Administrative Fees; If you 'rquest a copy of a billing statement, sales draft or other record of your account or if you request two or more cards or any special services (for example, obtaining cards on on expedited basis), we may charge you for those services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you request for a billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: We do not receive at least the minimum amount due hylhO data and time due as shown on your billing statement. • You exceed your credit line. You fail to comply with the terms of this agreement or any agreement with one of our related companies, We Obtain information that causes us to believe that you may he unwilling or unable to pay your debts to us or to others fill time. You file for bankruptcy. You hecome incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by law, if you are in default becauso you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and nil other expenses of 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 time or suspend your credit privileges at anytime for any reason without prior notice except as requirer by applicable law. If we close your account, we will not be liable to you for any consequencps resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to its upon request. You will continue to he responsible for charges to your account, even it they are made or processed after your account is closed and you will be required to pay the outstanding balance of 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 RIGHT TO GO FU COURT. YOU WILL NOT DE 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 AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED, EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration.This Arbitration Agreement is made pursuant to a trensacum! involving inturstato commerce, and shall be governed by and ho enforceable under the Fndoral Arbitratinn Act (the "FAA"), 9 U.S.C. §1.16 as it may hr. amondmi This Arbitration Agrennini sets forth the circumstances and procedures under which claims Ins defined belo.vi may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreoment,'we "us`, and "our" also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, ontployues, agents, and assigns or any and all of them, Additionally, 'we", "its" and "our" shall include any third party provirling hnnnfits, services, or products in connection with the Account (including but not limited to credit buroous, 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, onployuus, agents end representatives) it, and only if, such a third party is named byyou as if cu-defendant in any Claim ynu asson against us. Claims Covered. Either you or we may, without the other's consent, clout mandatory, binding arbitration of any claim, dispute or r.nnlrovrrsy by rithur you or its against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, anenls of assigns of the other, arising from or relating in any way to the Cardmonber Agreement, any prior CardmumberAgroumont, your credit card Account or the advertising, application or approval of your Account ('Claim'). This Arbitration Agrmr.ment governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tor;, common law, constitutional provision, or any legal theory of law such as respondeau superior, oranyotherlegal or equitable ground andwhether such Claims sock as remedies money damages, penalties, injunctions, or declaratory nr Oquitahlu relief. Claims subject to this Arbitration Agreement includu Clairns regarding the applicability of this Arbitration Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreoment Includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreumont, the term Claim is if) he given the broadest possible meaning. Claims subject to arbitration include Claims that art, made es counterclaims, cross ck-.ints, third party claims, inwrpieadors or ntherwisu, and it party who initiates if prncnrding in court may elect arbitration with respect lu any such Claims advanced in the lawsuit by any party or parties. As an uxception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Ciairrt that is within that court's jurisdiction and proceeds on an individual basis. If a parryelects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration oil a class ur wiliosunlalive basis, and the arbitrator shall have no authority In prncr.rd On such basis. This means that oven if a class action lawsuit or outer representative action, such as that in the term of a Private. attorney genorei action, is filed, any Claim between us related to the issues raised tin such lawsuits will be subject to an individual arbitration claim it either you or wo su elucl No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agroeinonl are (1) those brought by us against you and any cu-applicant, joint cardmomhor, or nuthorized user of your Account, or ynur heirs nr your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmomber, of authorized user of your Account, or your heirs or your trlStOe in bankruptcy against us. loiliation of Arbilration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forunt.These administrators are indopertdent from us. The administrator dues not conduct the arbitration. Arbitration is conducted under the rulp.s of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be. provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial dishict in which you reside at the time the Claim is filed, or at somo other place to which ynu and we agrou in writing. You may obtain copies of lhr, current roles of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, Now York, NY 10017.4605, Web site: www,ndr.org, 800-778.7879; or National Arbitration Forum, P.D. Box 50191, Minneapolis, MN 55405. Web site www,arbitration•forurn.com, 800.474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitratorwill either be a lavvyerwilh at least ton years experience of a taur:d or former judge. The arbitration will be conducted under the applir.ahle pror.Odures and rules of the arbitration administrator that are in rffur.t on the date the arhilrmiot is filer, unless those procedures and rules are inconsistent with this Arbitration A( minunt, in which case this Agreement will prevail.( hose procedures and rules maylimit tho amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with tho FAA and applicable statutes of limitaiinns, and will honor claims of privilago recognized at law. You may choose to have a hearing and hr, represented by counsel.The arbitratorwill take reasonable stepsto protect customer Account information and other confidential information, including the use of protuctivo 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 it other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the lave authorizes such relief, the arbitrator may award punitive damages or attorney fees. 'flue arbitrator will make any award in writing but need not provide a slatentent of reasons unless requested by a pony. Upon a request by yet) or its, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will rrimburse you for the initial arbitration filing fee paid by YOU up to the amount of S500 upon recript of proof of payment. Additionally, if there is a hearing, we Page 3 of 5 CMA12762 will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other lees it the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or your ask us and we determine there is good cause for doing so. Each party will hear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitratur shall apply any applicable law in determining whether a party should recover any of all foul and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at anytime, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final will 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 n panel of three neutral arbitrators designated by the same arbihation organization. The panel will reconsider all factual and legal issues anow, follow thn same rules that apply to a proceeding using a single arbitrator, and make decisions baser) on the vote of the majority. Each party will hear their own lees, costs and expenses for any appeal, but if party may rucovur 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 law by any court having jurisdiction. Severabilhy, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmomber Agreentunt, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the translerring of the balance in the Account to another account; (ii) the bankruptcy of any party or any Similar proceeding initiated by you or on your behalf, and (iii) payment of the debt in full by you or by a third party. H any portion of this Arbitration Agreement is roamed invalid or unenforceable, the remaining portions shall nuve«heless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at anytime, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time staled 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 riot exercise those rights. For example, the notice may state that you may notify us in writing by a specifier) data if you do not want to accept certain Changes we are making. If you notify us in writing that you do riot 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. II you do not notify us in writing by the date stated in the notice, or it you notify us but then use your account nfter the data 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 front credit bureaus and others. We may ref!ort information ghoul you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account for uthors, we may report account information in your name as well as in the names of those olhei people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardnember Service address listed on your billing statement. Plense include your name, address, account number, teluphonu number and a brief description of the problem. If avai)ahle, 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 alter 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 sand cards, billing statements and other notices to you at the address shown in our tiles. 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 Fiume, cellular or business telephone number or email address (i1 you elect to receive billing statements or other notices online), you must notify us ntrnediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. We may contact you about your account, including for customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us TELEPHONE MONITORING AND RECORDING We., and it applicable, our agents, ntay listen to and record your telephone calls with us. You agree that we, and if applicable., our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information about you and your account within our family of companies, and with others outside our family of companies including any company orarganization whose name or mark may appearon 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 inlnrmatiun 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 CARDMF.MBERS Illinois law provides that we may riot share information about you with companies or other orgnnizations 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 suLpounal. You hereby agree that, if you choose not to exorcise thu applicable opt out clescribud 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 r.nmpanias 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 1grearTient without losing our right to enforce them in the future. If any of the !firms of this agraemem are found to be unenforceable, all other terms will remain in lull torce. ASSIGNMENT We may assign your account, nny nmounrs you owe us, or any of our rights and obligations under this agref,mf.m To a third parry. The person m whom we snake thb assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMS AND ENFORCEMENT OFTHIS AGREEMENTAND YDUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCF. WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statoment if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice Fnr Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you nued more inforntalion about a transaclion on your bill, write us on a separate. Shout at the Cardmember Srrvico 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, if you can, why you bulieve there is an error. If you need more information, describe the item you are riot sure about. If you have authorized us to payyour credit card bill automatically from your savings or checking account, you can stop the payment on any unruunt you think is wrong. To stop the paynunt your letter must reach us at least three business days before: the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive, Your Written Notice We must acknowledge your letter within 30 clays, unless we have, corrucled rho error by then. Within 00 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 gnu question, or report you as delinquent. We can continue to bill you for the nmount 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 wo 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. II 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 rf 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 about your bill. And, we must tell you the name of anyone we reported you to. We musttell anyone we ruporl you to that the matter has henn seulbd between us when it finally is. It we don't follow these rules, we can't r.oller.t the first 550.00 of the questioners amount, even if your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 II 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: la) You must have made the purchase in your home state or, it notwithin your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than 550.00. 111ese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright ©2007 JPMorgan Chose & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bank USA, N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (Signat f Ruben A. Alcaraz W WR# Client Account # Name LAW OFFICES OF ROBERT M. WALKER, LLC Robert M. Walker, Esquire Attorney I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 (717) 761-1200 Attomey for Defendant 2010UVrT 12 Pi112:59 ?U -RLA";J C a ' 1 -S ' A CHASE BANK USA, N.A., IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No. 10-5858 Civil Term ALEKSANDR A. MIKLUSH, Civil Action - Law Defendant PRAECIPE TO PROCEED IN FORMA PAUPERIS TO THE PROTHONOTARY: Kindly allow Aleksandr A. Miklush, Defendant in the above matter, to proceed In Forma Pauperis. I, the undersigned attorney for the Defendant, have been appointed pro-bono counsel by the Cumberland County Bar Association and believe the Defendant is unable to pay the costs of the case and I am providing free legal services on his behalf. Robert M. W er, Esquire Attorney I. D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant LAW OFFICES OF ROBERT M. WALKER, LLC Robert M. Walker, Esquire Attomey I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 (717) 761-1200 t- Df d t i? ILE0-0 F IC -- L, i?! F' i110111j T,,I- 20 10 CCU' 12 P1112: ? 9 Attomey r een an :i?F?9 ErtLA {U C0U J t _ - .oe , CHASE BANK USA, N.A., IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. ALEKSANDR A. MIKLUSH, No. 10-5858 Civil Term Civil Action - Law Defendant PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of Aleksandr A. Miklush, Defendant in the above matter. Papers may be served at the address set forth below. Robert M. Walker, Esquire Attorney I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant LAW OFFICES OF ROBERT M. WALKER, LLC Robert M. Walker Esquire } r; ` I0 TA4't C Attorney I.D. No. 86340 3461 Market Street, Suite 103 4 ?,t I2' Camp Hill, PA 17011 (717) 761-1200 `';,'a(!_ r i+aaJ Cl)tt a Attorney for Defendant { } ° f '?` `d N I . E_ CHASE BANK USA, N.A., Plaintiff vs. ALEKSANDR A. MIKLUSH, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No. 10-5858 Civil Term Civil Action - Law DEFENDANTS ANSWER TO PLAINTIFF'S COMBMT AND NOW, Defendant, Aleksandr A. Miklush, by and through his undersigned attorney, Robert M. Walker, submits the following Answer to Plaintiffs Complaint and in support thereof avers the following: 1. Admitted, based on information and belief. 2. Admitted. 3. Admitted. 4. Admitted in part, denied in part. It is admitted that Defendant applied for and received a credit card from Plaintiff bearing the account number XXXXXXXXXXXX8487. Defendant is without knowledge as to the precise amount or balance allegedly due on the credit card and therefore, the balance of the allegations in Paragraph 4 are denied. Plaintiff also disputes the authenticity and accuracy of the exhibits included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 5. Denied. Plaintiff failed to specify in its Complaint the specific monthly payments that Plaintiff alleges were not paid. In addition, Plaintiff provides no documentation or basis for its allegation that if Defendant failed to make monthly payments when due that the entire balance of the credit card would be immediately due and payable. Plaintiff also disputes the authenticity and accuracy of the exhibits included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 6. Denied. Paragraph 6 is a conclusion of law to which no responsive pleading is required. By way of further answer, Plaintiff disputes the authenticity and accuracy of the exhibits included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 7. Denied. Plaintiff is without a basis for knowing what attorneys fees Plaintiff may incur and for such reason this allegation is denied. 8. Admitted in part, denied in part. It is admitted that Plaintiff has, from time to time, made demands upon Defendant for payment of alleged balances due against the credit card. It is denied that Defendant has failed and/or refused to pay the balance due to Plaintiff. WHEREFORE, Defendant demands dismissal of Plaintiffs Complaint, at Plaintiffs cost. Date: /41s ?f v Respectfully submitted, By: Robert M. Wa! r, Esquire Court I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant CERTIFICATE OF SERVICE I certify that on this day I served a copy of the foregoing document via first-class U.S. mail, postage prepaid, which service satisfies the Pennsylvania Rules of Civil Procedure, addressed to: James C. Warmbrodt, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Robert M. Walker, Esquire Attorney I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant VERIFICATION I, Aleksandr A. Miklush, hereby verify that all the averments of fact contained in the foregoing Defendant's Answer to Plaintiffs Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unswom falsification to authorities. Date: Aleksandr A. cpd ? PRAECIPE FOR 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) CHASE BANK USA, NA C o "C)*1 vs. -OZ = n y ALEKSANDR A. MIKLUSH z No. 5858 08rm`? -:. 1 State matter to be argued (i plaintiff's motion for new trial e defendant's demurlw(6 = : . . ., , x. . complaint, etc.): :> o? MOTION FOR SUMMARY JUDGMENT cn < co 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: ROBERT WALKER, ESQ (Name and Address) 3461 MARKET STREET, SUITE 103, CAMP HILL, PA 1701 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 ture BENJAMIN R BIBL ER 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 day of, 2011, upon the following: Robert Walker, Esquire 3461 Market Street Camp Hill, PA 17011 By: Benj mi . Bibler,Esquire PA I D# 3 98 Weltmdp{Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, VS. ALEKSANDR A MIKLUSH, Defendant. Case No.: 10-5858 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 Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 C7 C ro G C> 3 r?rn rn- ? r' -a,r ;;0rn c oa z- -C-3rn c-n WWR No. 8576649 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, Case No.: 10-5858 CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT ALEKSANDR A MIKLUSH, 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 $5541.65 with interest at the interest rate of 6.00% per annum from August 27 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 11 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. 8576649 February 28 2010; 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 $5541.65 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 $5541.65 with interest at the legal interest rate of 6.00% per annum from August 27 2010, Attorneys Fees of $300.00, and costs. Respectfully Submitted: By: Ber Pa. We 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 8576649 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: vs. ALEKSANDR A MIKLUSH 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 08576649 C J Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff V.% Civil Action No ALEKSANDR A MIKLUSH 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 200 WHITE CLAY CENTER DR NEWARK , DE 19711 2. Defendant , is adult individual(s) residing at the address listed below: ALEKSANDR A MIKLUSH 2 B RICHLAND LN APT 20 CAMP HILL, PA 17011 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX8487 . 4. Defendant made use of said credit card and has a current balance due of $5541.65 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 . B. 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 , ALEKSANDR A MIKLUSH , INDIVIDUALLY , the amount of $5541.65 with continuing interest thereon at the statutory rate of 6.000. per annum from August 27, 2010 , plus attorneys fees of $300.00 and costs. James C. r ro t,42524 WELTMAN,. NBERG & REIS CO., L.P.A. 436 Seve th Avenue, Suite 1400 08576649 C J Pit SJS Pittsbu gh, PA 15219 (412) 4 4- 955 FAX: 4 2-3 8-7130 This law firm is a debt collector attempt' g to collect this debt for our client and any information obtained w'1? be used for that purpose. Payment Due Date New Balance Past Due Amount Minimum Payment 06!28110 55,541.65 5414.00 F_ 5525.00 I Account number: 5582 5086 1533 8487 Make your check payable to: Ohue Card Services. $ .{7 Please vmr amount errloxo. New addtes9 or e-mar. flinton bade 55825086153384870005250D00554165000000000000004 30289 9EX 2 15910 C ALEKSANOR A y11KLUSH BUSINESS ACCOUNT 26 RICHLAND LN APT 208 CAMP HILL PA 17011.2421 !..dll,..!!(,,...JL,,!L,61,L,1;,LIr1d6i.id„1,1,.11 I/++III,f1+11r61,drhllrr1t11+r1+It+LLrdL11,1„dL111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198061i153 t: 5000 160 281: `16986 15 3 3848 791Ie Q, Manage your account onlrw Additional contact Information from CHASE ® www "ser,*.Wnk converdenlly located on reverse side ACCOUNT SUMMARY Account Number. 5582 50861533 8487 Previous Balance S5,485A6 Interest Charged +556.19. New Balance 55,541.65 Opening0osing Date 05/09!10•- 06106!10 Total Credit Line S%000 Available Credit S458 Cash Access Line 57,200 Available ter Cash SO PAYMENT INFORMATION Now Balanoe 55,541.65 Payment Due Date 06/28110 Minimum Payment Due 5525.00 Late Payment Warning: If we do not receive your minimum payment by the due date, you may have to pay up to a $39 late fee. Minimum Payment Warning: Enrol in Au o,o-Pay and avoid missing a payment. To enrol, call the number on the back of your card or go to the web site listed above. 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 1.888-549-6681 (collect 7.302-594-82001 today. Your accounts closed. Please continue to make monthly payments by the due date until your batwm Is paid In fulf. IN-CASH- POINT SUMMARY - --? Previous Points Balance - 0 Rewards start at 1.500 points for Base Points on of Purchases Points Earned through Chase Rewards Plus 0 gill cards or got S5D cash back with 0 5.000 points. Earn more rewards New Point Balance 0 When you set up automatic payments for your retuning bib - visit www.chosebltmonager.com. Earn 3 points on all eligible purchases made at gas stations, restaurants, home improvement & hardware stores, and office supply stores. earn 1 pt. per 51 spent on all other purchases with no limits or caps. You can aso eorn up to 10 Points per dollar spent when you make online business purchases at hundreds of leading merdtanls. Visit www.clmserewardspius.com to see our current otters. - ' DACCOUNT ACTIVITY ' Dale of Transaction Merchant Name or Transaction Description •S Amount 06100 PURCHASE INTEREST CHARGE 56'17 OW08 CASH ADVANCE INTEREST CHARGE .02 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 84871 S56.19 INCLUDING PAYMENTS RECEIVED Total fees dtarged in 2010 50.00 Total interest charged M 2010 $271.98 Yeamo-dsle totals refbd all charges minus any refunds applied to your account on or after January 31. 2010. INTEREST CHARGES. Your Annuai Percentage Rate (APR) is the annual Interest rate on your account . Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Purchases 12.00% 55.511.06 $56.17 50.00 p? 8576649cashAdvances 12.00% S1.51 SO.02 ??? $0.00 Pfaff! see Mformallon About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice, How to Avoid Inhered on Purchases, and other important information, as applicable. This Statement Is a Facsimile - Not an original 0000091 F633=C1 000 N 2 90 10106000 Pe0e l d l 05668 MA OA 30209 1591000t1010000026mi X 0309 er514619 Address Change Request Please provide information below only 8 the address information on front is Incoeecl. Street Address: - - - - - - - - - - - - - - - - - - - - - - - - - City: -- Slate: -- Zip: --_.-.-- ---- Home Phono: --.- --- ---- Work Phone' E-mad Address: L To contact us regarding your account: ® By Teiwhone: 7 Tel 1500.3465538 I ICI ./? V"V V n espaM1d 1-888.795-0514 Sexed Inquiries to: TDO 1500.9554060 Mail Payments to: Vistt Our Webslle: Pay by pbone1-800436-7958 P.O. Box 75298 Outside U.S. cal codect wamingloN DE 19650-5298 P.O. Bom 15753 YGMI-ctaese? 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Cdd 1,WMloWw dalyb*Me yp Mpma kfol k-Wdwyw MOM. 8576649 TatleOM Cardmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT Thus agreumenl aovernsyrzur credit card arcuunt with its referenced on the card carrier ronlaining the card lot this account. Any use of your account is covered by this agreement. Please road the entire agreement and kuup it for your records. You authorizu us to pay for and charge your account for all transactions made on your account. You promise to pay its for all transactions made on your account, as welt as any rues ortinance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if die account is used by only one of you. We may require that ynu pay the: [till amount owed without first asking the other person(s) to pay. Please sign the back at your card when you receive it. you will be bound by this agreement if you or anyone authorized by you use your account fur any purpose, even it you don't sign your card. Whetheryou use your account or not, youwill be bound by this agreement unless you cancel your account within 30 days alter receiving your card and you have not used your account for any purpose. Throughout this agreement, fhe words "wc-, "us- and "our" mean Clmso Bank USA, N.A., the issuer of your credit card and account. The words "you , "your" and "yeas" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing stalenlents, as well as any person who agrees to be liable an the account. The word"card"ntcans one of Moto cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall be used only for personal, family or household purposes. Unless we agree or it is required by luw,we will not he 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 may be illegal in some places, It is not our responsibility to make sure that you use your account only for permissible traesuctions, and you will rumain responsible for paying for if transaction even it it is notperrnissihle or contemplated tinder this agreement. Types of Transactions: Purchases: You may use your card to pay for goods or services. Checks: We may provide you cash advance chocks or balance transfer checks as a waylo useyour account. We also ruler to them in this agrountont as a checker checks. You may use a check to pay far goods or services, totranslerbalances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on ilia check may signthe chock. Cash advance chocks ere treated as cash advoncas and balance transfer checks are treated as balance Ira nsf ens except as noted in this agreement or any after we make to Veto. We may treat chucks that we canconve.nience checks as balance transfer checks. However, checks that we call convenience clucks and that we indicated to you are subject to the tariffs for rash advances, may be treated as cash advances and assessed cash advance rates and lees. Balance Translers:You maytratsler balances trainothur accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. Bill you may not transfer balances to this account from other accounts with its or any of our related companies. It a portion of a requested balance transfer will exceed your available credit tine, we stay process a parlial balance transfer up to your available credit line. • Cash Advances: You may use your card to gat cash from automatic taller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cosh-dike charges; orto obtain lottery tickets, casino gaming chips, race trackwagers or for similar batting 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: H you have an eligible checking accountwith one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft an that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: ht order to manage your account, we divide time into periods called "billing cycles". Each billing cycle is appruxirnatoly one month in length. Fur each calendar month, Inonth your accou ment ccount billing cyclentendwill eauhlcale dar momhrwhethetnr pot there Isea billingvstatehave a for that billing cycle, Authorized Users: II you allow someone to use your acruuni, that person will be an authorizer) user. You may request an additional card for use by an authorized user on your account. l) you do so, this account may appear on the creditreport of that authorized user. You should think carelugy before allowing anyone to become an authorized user because you are allowing that person fo use the account as you can. You will remain responsible for the use of your account and each cardissuad on your account according to the terms of this agreement. This Includes your rosponsibdity for paying all charges on your account made by an authorized user, You must notify us to terminate an authorized user's permission hf use your account. 11 you notify us.we may close the account andior issue a new card or cards with a dilferent account number. You should also recover and destroy any carols, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing slalaments. We may also rater to dru credit fine as a credit limit. Yuut billing statement may also show that only if portion of your credit line maybe used for cash advances. Cash advances, including cash advance checfrar.are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit fine. You are responsible for keeping track Page. 1 at 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 ynu an nvcrlfmft hue as dexcrbed'uu this agreement. We may, bat are not required to, authwizr. charges that go over yea credit fine. You must pay any amount over your credit line, and yon must pay its immediately if we ask you to. This agreement applies to any balance on your account, including any balance over your credit line. At ourdiscretion, we may increase, reduce, or canselymrr credit line, or the cash advance portion of your credit line, at any little. However, if you have asked us not In rho so, we will not increase your crodit line. A change to your credit line will nut affect your ubliyauoa to pay its. tnteruatianal Transactions: International transactions include any a nsocliua that you nialte in a foreign currency or that ynu lnaka uutsfde of the United States of Arwfica vLen if it is made in U.S. dollars. If you make a transaction in a toreign curency, Vise International or MasterCard International, inc., will convert the transaction into U.S. dollars by using its respective currency conversion proceduras. The exchange rate each entiy uses to convert currency is it tine that it selects either from the range.. at r,tes available, in the wholesale currency markets for the applicable processing data (which rate may vary from the rate dta respective entity itself receives), or lire government-mandated rate in effect on lire applicable processing date. The rate in etiect on the applicable processing date may differ from the rate on the dateyou used your card or account. We reserve the right to charge you an additional3% of the U.S. dollar amount al any international transaction, whathu•.r that transaction was nriginnlly madif in U.S. dollars or was made in another currency and converted to U dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to its by that utility. The same process and charges may apply it any intaraational transaction is reversed. Refusal to AuthorizuTrausactions: Wu may, but are not reruirad in. decline a of anSaclion an 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 datinnd for any reason, either by us or a third party, even it you have sufficient credit available. For online transactions, we may require that veto registrar your account with an authorization system that we select. We win notifyyou if we want you to register. if yet) do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your request for funds. Whenwe 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 file check. Your credit line or cash advan", portion of your credit line has been exceeded, or would be exceeded if we paid the chock. • The check is post-daled. If a post-dated check is paid, resulting, in anmher check being returned or not paid, we are not responsible. You have used the check after the date specified on it. • You ere in default or would be if we paid flue chuck. Lost or Siolon Cards, Checks or Account Numbers: 11 any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must nntffy its at once by raping the Cardmember Service telephone number shown on your card or ()filing statement. Do not use your account altar you notify its, even it your card, check, account mrmbot ton other means to access your account is found or rolumed. We may terminate or suspend yum credit privileges when Vol) nosily us of any loss, theft or unauthorized use related to your aCCOUm. Y if may bit liable if there is unauthorized use of your account from width you receive no benefit, but you will not be liable lac 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 identity lot its the unauthorized charges frmn which you received no benefit. We may require you to provide us information in writing to help its lied out what happened. We may also require you to comply with certain procedures in connection with; sill investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow lot making payments and sets faith don date and time by which we must receive the payment. You agree to pay its amounts you owe in U.S. dollars drawn on funds an Jupush in a U.S. financial insthmfon or the. U.S. branch of a foreign financial institution using a payment check, money oiler or automatic dehli that will be processed or honored by your financial Institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days allot we receive your payment. Any payment chuck or other form of payment which you send to its for less than the Icll balance that is marked "paid in tun-or with a ska far notation or that you otherwise hander in full satisfaction of a disputed amount (conditional payments). must bit sent lowai the conditional payments address listed on your monthly statement. We reserve all our rights regarding such payments. For example, if it is determiner( there is no valid dispute or it arty such payment is received at any other address, we may accept the payment and you will still owe any remaining balance. We fully refuse to accept any such payment by returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular pnymem address shown nn your monthly staefnams. We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn, Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be, collected electronically ley sending life check amount along with the check, routing and account numbers to your bank. Your bank acuounl may he debited as early as life same day we receive your payment. The original payment check will be destroyed and an image will he maintained in our records. Mhhinmlrtl Pnynt0nl; You agree to pay at leastthe minimum payment due, as shown an your billing statement. so that we foceive it by the date and time payment is due. You may pay mate than the muhunam payment rluu and may pay the full amount you owe its at any time. it you Inavv it bahinre that is subject to finonce chargos, the smunetyoupayus,the less you wiii pwjinfinam:e charges because finance charges accrue on your balance each Jay. Your billing statement shows your beginning balance and your ending bafance fthe "New Balance- on your billing statement). If the New Balance is S10.00 or less, your minilnim payment due will he file Now Balance. Otherwise. it will be the largest of the following: S10.00; 2% of she. New Balance.; nr the sum of 1% of the New Balance, total billed periodic rate finance charges, and any bitted late and ovedirrit fees. As pan of the minimum, paymen!due,wu also add any amount post due And any amount over your credit line. Payment Allocation: You agn:o that we are authudzed to allocate your payments and credits in a way that is most favorable to of convenient for us. For example, you aterharize its to apply your payments and credits to balances with lower APRs )such as promotimial APRs) before balances with higher APRs. Credit Balances: You may request a rulund of a credit balance et any time. We may reduce the amount of any credit balance by the amount of new charges or fees billed to your account. Automatic Chortles; You may authorize if third party to automatically charge year account for repeat transactions (for example, monthly ulSty charges, memberships and insurance premiums). If automatic charges are stopped for any reason linchfding bucause your account is closed or suspanded for any reason) or your account number chonges,you are responsible for notifying thebiller and paying these charges directly. If your account number changes, we fully, but are not required to, pay from your new account number charges that you authorized to be billed to yourold account number. Promotions: From time to time we may offer special tariffs for your account. 11 we du, wu will uotily you about the terns of the offer and how lung they will 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 ("APRs") and the corresponding daily periodic rates are listed un the Rates and Fees Table that is at the end of this document or provided separately. To gal the daily .1 always round up at the, fifth periodic rate we divide the APR by 365, and in offer place to the right of the decimal point. Variable Rates: One or more APRs that apply to your account mayvary with changes to the Prime Rate. When you have an APR that vories with changes to the Priam Rate, we calculate the APR by adding a margin to ifi, Prime Hate published in The. Wolf Strear.lnnrnal two business days before life Closing Date shown an your billing statement. The `Prime Bate' is 0ic highest (U.S.) Prime Rate published in the Money Rates section of The Wall Streit( Journal. Il The Wall SrrawJournalsiops publishing ilia 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 file APR, A `business day" is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, it any, are variable rates. It also lists the margin for each variable rato and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Data shown on your billing statement, we see what the Prime Rate i5. We then add fire 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 if daily periodic rate Irurn the previous billing cycle because the Prime Rate has changed, the new rate will apply As of the first flay of your billing cycle that ends in the calendar month in which we made the calculation. If file daily periodic rate increases, you win have to pay a higher puriodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in defouit under this agreement or any other agraentemyou have with us or any of our related companies far any of the following reasons: We do not receive, for airy payment that is owed oft this account or any other account or loan with us, al least the minimum payment due by the date and time due. • You exceed your credit title on this account. • You make a payment to its that is not honored by your bank, If any of these events occurs, we may increase the APRs (including any promotional APR) un 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 !actors to determine your default rate: the length of time ynur account has been open, the existence, seriousness and dining of the defaults unyour account; other indications of your account usage and performance; informaton about your other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate will take effect as of the first day of tine billing cycle in which the dalauh occurs. if we decide not to increase your APR even though there is it default or if wa do not increase your APR tip to ilia maximum default rata stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your accotfift Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associatedwilh a different colagoryof transactions flat example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may combine dillerenl 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 (filch of those categories by life daily puriodic rate far each of those categories, each day. You may have overdraft advances only it you have linked this acrotrru to if checking arcaunt with ono of our related banks. We calculate ilia poriodic finance charges for purchases, balance iraosfers,balance transfer checks, cash advances, and cash advance checks subject to a promotional rate pile some way, but we use file promotional rate. To get ilia daily balance for each day lot each category: We take the beginning balance for that day. We add to that balance any new transactions, fuels. other charges, amt ac-hu adjusimunts that apply to that category. We add if flow purchase, cash advance, balance transfer or overdrah advance, if applicable, to life daily balance as of 11111 transaction date, or a later (late of our choice. We add a new rash advance check or balance transfer check to the daily balance, as of the date ilia 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 payment!;, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat o credit balance as a balance of zero. To get the beginning balance for each camgary lot the, next duty, we add the daily periodic finance charge to the daily balance. It 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 and of the billing cycle to calculate the daily periodic finance charge aach day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge, lot file billing cycle, we add all of the dally periodic finance charges for each category for each day (luring that billing cycle. Howovor, if any periodic finance charge is due, we will chargo you at beast Ilia minimum periodic finance charge stated is the Rates need fees Table, 11 it is necessary to add an additional amount to reach the Wrtimum finance charge, wo add that amount to the balance for purchases made during the billing cycle. The total finance clinige on your account fora billing cycle will be the sum of the periodic finance charges plus any transactian fee finance charges. For each category we calculme an average daily balance (including new transactions) lot the billing cycle by fielding all your daily balances and dividing that amount by the number of days in the billing cycle. 11 you multiply the average daily balance for a category by the applicable daily periodic rope, and multiply the result by the number of days in ilia billing cycle, lire total will equal fife periodic finance charges lot that balance attributable fit that hitting cycle., except ter minor varialinns due in rounding. Grace Period and Accrual of Finance Chortles: We accrue periodic finance charges on a transaction, fee, or finance charge from the data it is added to your daily balance until payment in full is received on your account. However, we do not chnrru poriodic finance charges on newpurchases billed during a billing cycle it we receive payment of your New Balance by iho date and time your minimum payment is due and vase received payment of your New Balance oil your previous billing statement by the date and time your payment was due. This exceptinn or'grnca perire(r appoes mtly to purchases and does not apply to balance transfers, balance transfer checks, cosh advances, cash advance checks or overdraft Advances, )f applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fen in the amount slated in the Rates and Fees Table for cash advance checks and cash advances. In addition, it you user third party service to make a payment on your behalf and the service charges the: paymout to this account, we may chargo a transactiua lute for the payment. These transaction legs ate finance charpcs. We add the ILL- to thu balance for Thu related category as of 1110 transaction data of tie cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance.. Transaction Fees for Balance Transfors: We may charge you a balance traasfur foe in the amount stated in the Rates end Fees Table for balance transfer checks and balance transfers. These transaction fees tiro finance charges. We add the lee to the balance for tile. related category as of the transaction date of the balance transfer. For example, a transaction too for a balance transfer would bu added to your balance transfer balance. OTIIER FEES AND CHARGES We may charge the following Iees.Tho amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: It your account has an annual membership fee, it will be bitted each year or in monthly insiallmants (as stated in the Rates and Fees Table), whether or not you use your account. and you agree to pay it when hiflea. The anneal Page 2 a[ 6 CMA12762 roembership lea is non-rehmdable unless you notify us that you wish to close your account within 30 days of the data wo mail yourbilling sratemonton which the annual memborship fee is charged and at the same time, you pavyouroutstanding balance, in NIL Youpayment of the annual membership fee does not affect our right to close your account ar Omit your tight to make transactions on your account. It your account is closed by you or us, we willcontinue In charge the a nnual membership fee unlit you pay your outstanding balance in full and terminate your account relationship. Late Fee: If wo do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement fnr any hlfling cycle, we may charge the late fee shown in the Rates and Fees Table. If the late lee is based on a balance, we calculate the late tee using the Previous Balance on ilia currant month's statement that shows the late fee. This bolancu is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Overlimil Fee: If your account balance is over your credit line at any time during a billing cycle, even it only for a day, we may charge an ovedimit fee. We may charge [hit fee. even it your balance is over the credit line because of a finance charge or lee we imposed or a transaction we authorized. We will not charge more than one ovprlimit fee for any billing cycle. But we may charge an uverlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit tine at any time during the subsequent (tilling cycles. Return Payment Feet 11 (a) your payment check or similar instrument is not honored, Ill) an automatic debit or other electronic payment is returned unpaid, or (n) we must return a payment check because it is not signed or cannot he processed, we fray charge a return payment lee. Return Check roe: II (a) we stop payment on a cash advance chuck or balance transfer check at your request, or (bl we refuse to pay a cash advance chock or balance transfer check, wu may charge a return chuck fie. Administrative. Fees: If you request a copy of a billing statement, sales draft or other rocord of your account or if you request two or more cards or any special services ffor example, obtaining cards on an expodiled basis), we may charge you for those services. However, we will not charge you [or copies of billing statements, salts drafts or similar documents that you request fore billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: We do not receive at least ilia minimum amount due by the date and time due as shown on your billing statement. You exceed your credit One. You fail to comply with the terms of this agreement or any agreement with one of our related companies, We obtain information that causes us to believe that you may he udwi ling or unable to pay your debts to us or to others on time. You life for bank(uptcy. • Yet) become incapacitated or in she event of your death. If we consider your account to be in drilling, we may close your account without notice and require you to pay your unpaid balance itouadiololy. We also may require you to pay interest at the rate of two percent (296) a month on the unpaid balance when we deem your account to be six or more billing cycles post due, To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and nil fisher expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your acroun( 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 tittle or suspend your credit privileges at anytime for any reason without prior notice except as required by applicable law, If we close your account, we will not be liable to you lot any consequences resulting treat closing your account or suspending your credit privileges- 11 you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to as upon request. You will continue to be responsible for charges layout account, even it they are, made or processed after your account is closed and you will be required to pay the outstanding balance, oil your account arcmrding to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance imirediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY DE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO 70 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 BROTHER REPRESENTATIVE ACTION DROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant w a ua nsacuoa involving interstate commerce, and shall be governed by and he onforceubla undur .fill Fuderul Arbitration Act (Iho "F-AA"), 9 D.S.C. §1-I6 as R may he. amended. This Arlihirmino Agreement sets forth the circumstances and procedures under which claims (as defined basa•:vi may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agrooment,'we'."as`,and'uur'alsc includes our parent, subsidiaries, affiliates,licensees,predecessors. successors, assigns, any purchaser of your Account, and all of their officers, directors, omployues, agants, and assigns or any and all of them, A(lditionally,'we',"us'anid'uur shall include any:hitd party providing benefits, snivicos, or producls in connection with the Accouru (including but not limited to credit burenus, merchants that accept oily 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 representauvesl if, and only if, such a third party N armed hyyou as it co-delendarn in any Haim ymr 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 ycu or us aganst the other, or against the employees, parents, subsidiaries, affiliates, beneliciaries, agents or assigns Mille other, arising train or rotating in any way to the Cardnhmnher Agreement, any prior Cardmomber Agre count, your credit card Account or the advartislug, applicatimt or approval of your Account f"Claiur ). This Arbitration Agropmam govems all Claims, whether such Claims ore based on law, stature, contract. regulation, ortfinance, la n, common law, constitutional provision, or any legal theory of law such as respotleat superior, or anyother legal or equitable ground and whether such Claims seek as remedies stoney damages, penalties, injunctions, or declaratory or equitable relief. Clainns suhjeri to this Arbitration Agreement include Clahtts regarding the applicabifity of this Arbitration Agreement or the validity nl ilia entire Cardmember Agreement or any prior Cardmembef Agreement, This Arbitration Agreement includes Claims that uruse in the pas., or arise in the present or the luture. As used in this Arbitration Agreement, she term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are, made ss counterclaims, cross claims, third party claims, inierpleatlers or othorwise, and a party who initiates a proceeding fn court may elect arbitration with mspoct in any such Claims advanced in the lawsuit by any party or patties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim that is within that coup-s jurisdiction and proceeds offers individual basis. If a parry elects to arbitrate a Claim, the arbilrntionwill be conducted as an indivdual action. Neither you nor we agree to any arbitration oil a class us (upresentative basis. and ilia arbitrator shall have to authorityto proceed au sueh basis. This means that even it a class action lawsuit orother representative action, such as that in the ionn of a private attorney general action,is riled, any Claim between its related to the issues raised nit such lawsuits will be subject to an individual arhilration claim it either you of we so elort. No arbitration will be consolidated with any other arbitration proceeding without ilia consent of all parties. The only Claims that may be joined in an individual action under this Arbitroson Agreement are (1) those brought by us against you and any co-applicant. joint cardmomber, fir authorized user of your Account, or your heirs nr your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmamber, of authorized user of your Account, or your heirs or your trustaa in bankruptcy against us. Initiation of Arbitration. The party firing a Claim in arbitration must choose one of the fallowing two arbitration administrators: American Arbitration Association, or National Arbitration Fort aLThese administrators are independent from us. The administrator dues not conduct the arbitration. Arbitration is conducted under the rules of ilia selected arbitration administrator by on imparted third party chosen in accordance with (he rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held of 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, of at settle other place to which yfw and we agroo in writing. You may obtain copies of slip, current rules of each of the two arbitration administrators, information about arbitration and arbitration lees. and instructions 1cr initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 100174(i05, Web site: www.adr.org, SDO-778.7879: or National Arbitration Forum, P.O. Box 50191, Minneapolis. MN 55405. Web site: www.urbitration-foruin.com. 000.474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will either be a lawyervvith at least ton years experience at a renretl or former judge. The arbitration will be conducted under ilia applicable pinepdures unit rules of the ofithration administrate( Ihai are in effect on the date the. arbitration is Ilia unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These procedures and rules may limit ilia amount of discovery available to you or its. The arbitrator will apply applicable substansrve law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. Year may choose to have a hearing and be fepresertad by counsel Tho arbiiratorwill Luke reasonable steps to protect customer Account information and other confidential information, including the use at protective orders to prohibit disclosure outside the arbitration, if requested to do so by you of us. The arbitrator will have the power to award to a party any damages at other relief provided for under applicable law, and will not have the power to award relief to, against, an for file benefit of any person who is not a party to ilia proceeding. If the law authorizes such tulles, the arbitrator may award punitive damages or attorney foes. The arbitrator will ohake any award in writing but need not provide a statement of reasons unless request od by a psny. Upon a request by you or as, the arbitrator will provide a brief statement of ilia reasons for The award. Costs. We will reimburse you for Ihn initial arbitration filing fee paid by ynu up to the amount of S500 upon receipt of proof of payment. Additionally, it there is a hearing, we Page 3 of 6 CMA12762 will pay any fees of the arbitrator and arbitration administrator (or the first two days of that hearing. Tile payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other leas wig be Allocated )nkeeping withthu rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing lees and utter fees it the arbitration administrator or arbitrator determines there is good reason for requiring its to do so or you ask us and we determine there is good cause for doing so. Each piny will hear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all fees and costs from anulher party. Enforcement, linality, appeals. Failure or any delay in enforcing this Arbitration Agreement at anytime, or in connection with any particular Clains,"All not constitute a waiver of any rights to require arbitration at a later time or in connection kith any other Claims. Any decision rendered in such arbitration proceeding will be final anrd binding on the parties, unless a party appe als in writing to the a rbitraiion 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 thu same arbitration organization. The panel will reconsider all factual and legal issues anew, follow din same rules that apply to a proceeding using a single arbitrator, and make decisions based on the veto of Ilia majority. Each party will bear their own teas, casts and expenses for any appeal, but a party may recovera4y, or all fees, costs and expenses (rain another party, if the majnrity 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. Severabilily, survival. This Arbitration Agreement shat] survive; fi) tenttimttiou or changes in the Cardmomber Agreement, the Account and Ilia relationship between .you and its concerning the Account, such as the.. issuing of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiated 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 nr Unenforceable, the remaining portions shelf nevertheless romain in force. CHANGES TO THIS AGREEMENT We can change this agreement at anytime, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial forms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this ugreement. Modifications, additions, or deletions are cated'Changes" or a "Change". We will notify you Many Changia 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 it you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified dato it you do not want to accept certain Changes we are making. 11 your notify its in writing that yet) do not accept the Changes, your account may be closed (if his not already closed) and you will be obligated to pay your outstanding balance under the applicable Corms of The agreement. it you do not notify us in writing by the date stated in the notice, aril you notify us but then use your account after the data stated in tho notice, you wig 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 rnvipw your credit history by obtaining information front cradit bureaus and others. We may report information abuul you and your account to credit bureaus, including your failure to pay us on time. If your request additional cards on your account lot others, we may report account Information in your name as well as in the names of those other people. If you think we havu reported inaccurate information to a credit bureau, you may write to its at the Cardmember Service address listed on your billing statenent. Please include you name, address, account number, te)uphano number and a brie) description of the problem. If available, please provide a copy of the credit bureau rupurt 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. 11 we disagree with you alter 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 its know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if Ibis is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of your will be considered notice to all of your and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or ether notices online), you roust notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from tile United States Postal Service. We may contact you about your a c count. including for customer service of collection, at any address or telephone number as won as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents,rnay listen to and record yout Telephone calls with us. You agree that we, and if applicable., our agents, may do so, whetter you or we initiate the telephone call, INFORMATION SHARING You authorize us to share certain information about you and your accountwithin our family of companies, and with others Outside nur family of companies including any company or organization whose name or mark ntay appear on the cards, as permingd by law. Our Privacy Policy, which is provided to you when you first receive all agreement and at least once each calendar year thereafter, describes our information sharing practices and the choices you h;tve and directions you may give us allow Our sharing of information abort you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMRERS Illinois law provides that we may not share information about you with couupani, :: or other organizminns outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in file law (such as sharing information to process your transactions or in response to a subpoeual. You hereby agreu that, it you choose not to exurcise the applicable opt Out described in our Privacy Policy, you will be doomed to have authorized as to share personal information we have about you fincluding information related to any o1 tire 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 agrenawnt without lasting our right to enforce thum in the future. If any of Ilia mrnns of this agreement are found to be unenforceable, all other terms will remain in full tnrre.. ASSIGNMENT We may assign your nccouni, any amounts you owe its, or ally of our HUNS and obligations under this agroemcnr to a third parry. The parson 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 ACCOUNIT SHAI.1. BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR (ISE THE ACCOUNT. FOR INFORMATION Plaoso call the Cardmember Service telephone number on your card or billing stalotnent if you have any questions about your account at this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important ?nfnrmatien ahaul your rights and our responsibilities under the Fair Credit Billing Act, Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you rued more information about a transaction anyour bill,writo its on a separate sheet at the Cardmember Servico address shown on your billing statement. Write to us as soon as possible. We mast hear Irom 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 preservu 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 oxplain, if you can, why you boliave them is an orroc 11 you need more information, describe Ilia item you are nut suru about. If you have aulhorizod us to payyour credit cart) hill automatically from your savings or checking account, you can stop the payment on 111Y amount you think is wrong. To stop the payment your letter must reach us at least three business days bufnre the automalic paymont is schodulod to occur, Your Rights And Out Responsibilities Aller We Receive. Your Wriltun Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we most eiiher correct the error or explain why we believe the bill was correct. After we receive, your lariat, we cannot fly to collect any amount yen rtimminn, or report you ns delinquent. We can continue to bill you for the amount you quesliun, including finance charges, andwe can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are invostigsting, but you tiro still obligated to pay the parts of your bill that are not in quamion. 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. If we didn't make a mistake, you may have to pay linancu charges, and you will have to make up any missed payments ou the questioned amount. In either case, we will send you a statement of Ilia amount you owe and the date that it is due, 11 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 mast tell anyone we report you to that your have a question aboutyow bil.And,wo must iellyuu the name el anyone. we reported you to. We must tell anyone we ration you to that the manor has been settled benwaen us when it finally is. If we don't follow these (tiles, we col" I caller.[ due first SSO.00 nl the questioned amount, even it your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 11 you havo 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 duo 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 honlo state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been mote then 550.00. These limitations do not apply ifwo own or operate the merchant, of if we mailed you the advertisement for the property or services. Copyright©2007 JPMorgan Chose & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bank USA N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (Signalf Ruben A. Alcaraz W WR# Client Account # Name LAW OFFICES OF ROBERT M. WALKER, LLC Robert M. Walker, Esquire Attorney I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 t f f ^\' (717) 761-1200 Attorney for Defendant CHASE BAW tfSA, N.A., IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. No. 10-5858 Civil Term ALEKSANDR A. MIKLUSH, Civil Action - Law Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT AND NOW, Defendant, Aleksandr A. Miklush, by and through his undersigned attorney, Robert M. Walker, submits the following Answer to Plaintiffs Complaint and in support thereof avers the following: 1. Admitted, based on information and belief. 2. Admitted. 3. Admitted. 4. Admitted in part, denied in part. It is admitted that Defendant applied for and received a credit card from Plaintiff bearing the account number XXXXXXXXXXXX8487. Defendant is without knowledge as to the precise amount or balance allegedly due on the credit ?k' I card and therefore, the balance of the allegations in Paragraph 4 are denied. Plaintiff also disputes the authenticity and accuracy of the exhibits included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 5. Denied. Plaintiff failed to specify in its Complaint the specific monthly payments that Plaintiff alleges were not paid. In addition, Plaintiff provides no documentation or basis for its allegation that if Defendant failed to make monthly payments when due that the entire balance of the credit card would be immediately due and payable. Plaintiff also disputes the authenticity and accuracy of the exhibits included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 6. Denied. Paragraph 6 is a conclusion of law to which no responsive pleading is required. By way of further answer, Plaintiff disputes the authenticity and accuracy of the exNWts included with Plaintiffs Complaint and for such reason also denies the balance of these allegations. 7. Denied. Plaintiff is without a basis for knowing what attorneys fees Plaintiff may incur and for such reason this allegation is denied. 8. Admitted in part, denied in part. It is admitted that Plaintiff has, from time to time, made demands upon Defendant for payment of alleged balances due against the credit card. It is denied that Defendant has failed and/or refused to pay the balance due to Plaintiff. WHEREFORE, Defendant demands dismissal of Plaintiffs Complaint, at Plaintiffs cost. Date: /0/5--'/ Respectfully submitted, By: Robert M. Wal r, Esquire Court I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant CERTIFICATE OF SERVICE I certify that on this day I served a copy of the foregoing document via first-class U.S. mail, postage prepaid, which service satisfies the Pennsylvania Rules of Civil Procedure, addressed to: James C. Warmbrodt, Esquire Weltman, Weinberg & Reis Co., L.F.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Robert M. Walker, Esquire Attorney I.D. No. 86340 3461 Market Street, Suite 103 Camp Hill, PA 17011 Telephone: (717) 761-1200 Facsimile: (717) 761-1201 Attorney for Defendant VERIFICATION I, Aleksandr A. Miklush, hereby verify that all the averments of fact contained in the foregoing Defendant's Answer to Plaintiffs Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unswom falsification to authorities. Date: /o/ /0 Aleksandr A. Miklus I If IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, NA Plaintiff, V. NO.: 10-5858-CIVIL TERM ALEKSANDR A. MIKLUSH, Defendant. 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 hi 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 or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 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 person(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) identi each and every person(s) participating in such an act; (3) identify all other person(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 filing 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 identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. 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. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Plaintiffs Complaint. Admitted Denied If the answer to Request for Admissions No. 1 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. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 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. 3: Defendant resides at the address listed on the monthly statements dated April 9, 2008 through October 8, 2010 and attached to these requests as Exhibit "2." Admitted Denied If the answer to Request for Admissions No.3 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 and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO.4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 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. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "2" 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. 6: Defendant made no payment on the credit card since February 28, 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. REQUEST FOR ADMISSION NO. 7: The credit card account which is the subject of the underlying action accrued interest at a variable 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 "2" 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. REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit 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. REQUEST FOR ADMISSION NO. 10: $5,541.65 is a correct and accurate current balance of the credit card account in question as of August 27, 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. 4zz? William T. Molcz squire Pa. I.D. #47437 Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8576649 DEFENDANT'S VERIFICATION I , (please print) under penalty of perjury and subject to the penalties of 13 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 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the day of 2010, upon the following: Robert Walker, Esq Suite 103, 3461 Market St Camp Hill PA 17011 J By. 4 /,1 Cardmember Agreement C NIAI2762 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 orlinance charges. It this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other person(s) to pay. Please sign the 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 Chase Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours- mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account-The word'eard" means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall be used only for personal, family or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawful transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated under this agreement. Types of Transactions: Purchases: You may use your card to pay for goods or services. Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account. We also refer to them in this agreement as a check or checks. You may use a checkto payforgoods or services,to transfer balancestoyour account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the 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 otter we make to you. We maytreat checks that we call convenience checks as balance transfer checks. However, checks that we call convenience checks and that we indicated to you are subject to the terms for cash advances, maybe treated as cash advances and assessed cash advance rates and fees. Balance Transfers: You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transferswe allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. 11 a portion of a requested balance transferwill exceedyour available credit line, we may process a partial balance transfer up to your available credit line. Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges: orto obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link 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 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 Pot there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. li you do so, this account may appear on 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 forihe use of your account and each card issued onyour account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. It you notify us,we may close the account and/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credittine 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 5 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 overlimitfee 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 c ancel your credit line, or the c ash advance portion of your credit line, at any time. However, it you have asked us not to do so, we will not increase your credit line. A change to your credit line 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 4oreign currency, Visa International or MasterCard International, Inc., will convert the transaction into U.S. dollar by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. The rate in effect onthe applicable processing date may differ fromthe rate onthe data you usedyour card or account. We reservethe right to charge you an additional 3% ofthe U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The 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 it a transaction on your account is declined for any reason, either by us or a third party, even it 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 creditline or cash advance portion of your credit line has been exceeded, orwould be exceeded if we paid the check. The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. You have used the check after the date specified on it. You are in default or would be if we paid the check. Lost or Stolen Cards, Checks or Account Numbers: It any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown on your card or billing statement. Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account. You may be liable it there is unauthorized use of your account from which you receive no benefrt, 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 byyourfinancial 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 iulror with a similar notation or that you otherwise tender in full satisfaction of a disputed amount (conditional payments), must be sent to us at the conditional payments address listed on your monthly statement. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may accept the payment and you will still owe any remaining balance. We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on your monthly statements. EXHIBIT We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checkswill be collected electronically by sending the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment The original payment check will be destroyed and an image will be maintained in our records. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe us at any time. It you have a balance that is subject to finance charges, the sooner you pay us, the less youwill pay in finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance ([he New Balance' on your billing statement). If the New Balance is 510.00 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 1% of the Now 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 Allocalion: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs( before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at any time. 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 account for repeat transactions (for example, monthly utility charges, memberships and insurance premiums). 11 automatic charges are stopped for anyreason (including because your account is closed or suspended for any reason) or your account number changes,you are responsible for notifying the biller and paying these charges directly. If your account number changes,we may, but are not required to, payfrom your new account number charges thatyou authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account If we do, we will notify you about the terms of the offer and how long they will 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 ("APRs') and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately. To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRsthat applytoyour account mayvarywith changes to the Prime Rate. When you have an APO that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall StreetJournaltwo business 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 StreetJDUrrtal. If The Wall Street Journalstops 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 on your billing statement,we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. II the daily periodic rate increases,you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: We do not receive, for any payment that is owed on this account or any other account or loan with us, at least the minimum payment due by the date and time due. • You exceed your credit tine on this account. You make a payment to us that is not honored by your bank. It any of these events occurs, we may increase the APRs (including any promotional APR) on all balances (excluding overdraft advancesl 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 credit reports obtained from credit bureaus. The default rate will take effect as of the first day of the billing cycle in which the default occurs. If 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 discretionAetermine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associaledwith a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may combine different categories with the same daily periodic Tales. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdrah 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 it 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 subjectto 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 or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. It more than one daily periodic rate could applyto 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, it any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rates and Fees Table. If it 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 categorywe calculate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a category bythe applicable daily periodic rate, and multiptythe result bythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, orfinance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive 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 lee for the payment. These transaction tees 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 ioyour 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 charge the following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether or notyou use your account, and you agree to pay it when billed. The annual Page 2 of 6 CMA12762 membership fee is non-refundable unless you notify us that you wish to close your account within 30d a yp of the date we mail your billing statement on which the annual membership fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual membership lee does not affect our right to close your account or limit your right to make transactions on your account If your account is closed by you or us, we will continue to charge the annual membership fee until you pay your outstanding balance in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we calculate the late fee using the Previous Balance on the current month's statementthat shows the late fee. This balance is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Overtimit Fee: It 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 even if your balance is over the credit line because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: It (a) your payment check or similar instrument is not honored, (b) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer 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. Administrative Fees: If you request a copy of a billing statement, sales draft or other record of your account or it you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents thatyou request for a billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: We do not receive at least the minimum amount due bythe date and time due as shown on your billing statement. • You exceed your credit line. • You fail to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay Your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at any time for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. It you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to us upon request. You will continue to be responsible for charges toyouF 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 DR 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 AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORELIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the "FAA"}, 9 U.S.C. §1-16 as it may be amended. This Arbitration Agreement sets forththe circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement,'we',"us", and "our' also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their Officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we", "us' and "our'shall include any third parry providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named by you as a co-delendantin any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement, your credit card Account or the advertising, application or approval of your Account ("Claim"). This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any legal theory of law such as respondeat 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 to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are made as counterclaims, cross claims. third party claims, interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As'an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means that even if a class action lawsuit or other representative action, such as that in the form of a private attorney general action, is filed, any Claim between us related to the issues raised in such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4505, Web site: www.adr.org, 800-778.7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbitratit)n-icrum.com, 800-474-2311. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will either be a lawyerwith at least ten years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator will take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding, If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a parry. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of 5500 upon receipt of proof of payment Additionally, it there is a hearing, we Page 3 of 6 CMA12762 will pay any lees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant 10 this Arbitration Agreement All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good he determine reason for requiring us to do SO of 'YOU kand we and costs of thatdpacause rty's for doing so. Each party will bear the expense 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 anytime, or in connection with any particular Claims,will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final and binding on the parties, unless a parry appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover any or all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided 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 of a new account number or the transferring of the balance in the Account to another account; (ii) the bankruptcy of any party or any similar proceeding initiated 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, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes" or a'Change We will notify you of any Change it 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 able terms of the will be obligated to pay your outstanding balance under the app agreement. If you do not notify us in writing bythe 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. CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed 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. It we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Dr, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections from-the United States Postal Service. We may contact you about Your account, including for customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, 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 yearthereafter, describes our information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you choose not to exercise the applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreementto a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THETERMSAND ENFORCEMENT OF AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED INHACCOR ANCE WITH FEDERAL LAW AND, O THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement it 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 Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at 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, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you 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 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount 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. If we didn't make a mistake, you may have to payfinance charges, and you will have to make up anymissed 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 about your bill. And, we must tell you the name of anyone we reported youto. We musttellanyone 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 Rules for Credit Card Purchases Page 4 of 6 CMA12762 11 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 1D0 miles of your current mailing address; and (brThe purchase price must have been more than S50.00. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. Copyright ©2007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 8576649 Statement tar account number. 5582 5088 1539 087 New Balance Payment Due Dale Past Due Amount Minimum Payment $4067.25 0528/08 $56.00 $167.00 Make your d-k Payable to Chase Card Sarvlosa. Amount Enclosed f New address a s-maN Pnre on Mek. CHASE 0 5582506615338467000167000D406725DODOOD4 79see BE. 21260! C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 I...111,1..1..1. I..I..11...I.I....I I.I d...ll. , f. 1...11.31"1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000L6028t: L698615 3 3848 799' Openingraoalng Date: 041091De-05108108 CUSTOMER SERVICE at$SINEaa CARD aTATI]MENT Payment Due Date: Minimum Payment Due: 0528N8 In U.S. 1-800-346-5538 $167.00 Espanol i-888-7954574 TDD 1-600-955-0060 Pay by phone 1-800436-7968 Outside U.S. cap collect 1480.350.7099 MASTERCARD CARD SUMMARY AccounlNumber: 51582 5006 1533 9467 ACCOUNT INQUI FOES PrMWous Balance $2.e3e.es Total Credit Une $6.090 P.O. Box 15298 Purchasm Cash, Debits .$1,196.84 Avalabb Credl $1.932 Wilminglon, DE 19850-52M Finance Charges .$31.56 Cash Access Line Aval" lot Cash $1,200 $0 PAYMENT ADDRESS New Balance .06 .25 P.O. Box 15153 Wilmington. DE 19086-5153 VINT US AT: The new APR and promotional rate expiation refaced on this stelemsnt is a result 01 a late payment on your sooount. For your ow walnierxxt, you can always pay online by accessing our webeAe displayed on this statement. PRF FR CASH RFRATF POINT SI IMMARY Previous Rebate Point Balance 4.485 Bonus Rebels Points 1.064 Base Rebate Points on all Purchases 1,121 Rebee Esrninge larteited this monih 0 New Rebels Point Balance 6.670 496 Rebates 10 expire on 81el6mem deb in January 2010 Remember you earn one point lot all your purchases plus an additional two Points to common bumness purchases. Common business Purchases include purchases made at gas stations. hardware sloes, home improvement stores, ot50e supply stores and restaurants. TRANSACTIONS Trars Amount Date Relsrenee Number Merchant Name or Transaction Deeoip9wh Credit Debit DAM 0 5 41 01 961 01e83loo520169 AMOCOOR 06964CM LEMOYNE PA $10.24 04109 554887281002e8967600017 GOOD HOPE FAMILY PRACT SOUTH ENOLA PA 10.00 04109 05410198101255416082744 SUBWAY 26913 00269016 MECHMNCSBURG PA 6.24 04110 55432068101000867244105 VONAGE'PRICE.TAXES 866.2434357 NJ 30.73 04/10 05410190102255416891077 SUBWAY 26913 00269016 MECHAMCSBURG PA 5.82 04110 0545252a10225e743606466 7-ELEVEN 11425 005 MECHANICSBURG PA 6.76 04111 5554186el03072015200098 BLOCKBUSTER VIDE08420 LEMOYNE PA 13.64 04/13 25247800104021107597855 TWO COUSINS PIZZA CAMP HILL PA 8.42 04/110541019610325541771403a SUBWAY 26913 W269016 MECHANICSBURG PA 6.99 04111 56499678103691263690296 RITE AID STORE 1074 LEMOYNE PA 25.71 04112 855027MIG49SOOlMS0752 GRAYER PT MECHAMCSBUR MECHANICSBURG PA 90.00 04114 55432868105000329068728 Amalon.eortlAMZN.COMMU. WA 135.87 04114 05410198106683105930292 AMOCO OIL 06954009 LEMOYNE PA 10.24 04114 554114IM1052e6128400057 DOMINO'S PIZZA 104861 LEMOYNE PA 20.e6 04114 654326681050003174654" HSBC'CREDITKEEPER 877-27"919 VA 9.95 04115 05410190107663106040058 AMOCO OIL 06954009 LEMOYPE PA 51.85 04/16 06410196106953030331466 PERKINS 82390 00123902 LEMOYNE PA 34.09 04116 85182530106900018100406 BROTHERS PIZZA ITALIAN MECHANICSBURG PA 4.77 04119 5548WMI112860M000197 RITAS ITALIAN ICE 106 LEMOYNE PA 7-05 04119 55541869111072015212512 BLOCKBUSTER VIDEO 1420 LEMOYNE PA 4-55 04/19 05410190111105156507939 STAPLES 00116442 CAMP HILL PA 9326 04116 06410198110256422869063 SUBWAY 26913 00260016 MECHANICSBURG PA 6.24 0422 05102538114WW IS600373 BROTHERS PIZZA ITALIAN MECHANICSBURG PA 7.42 04/23 554464181 15 28M 11500202 NEW 2ND WOK HARRISBURG PA 12.57 04122 56499670114691350649632 RITE AID STORE 1074 LEMOYNE PA 2220 0423 85500398115400008470062 PHYSICIANS OF 00 OF 00 717-7800504 PA 35.00 0427 25247808118000092621586 TWO COUSINS PIZZA CAMP HILL PA 25.39 0428 LATE FEE 39.00 04128 SSS4186al 20072017117510 BLOCKBUSTER VIDEO 1420 LEMOYNE PA 4-55 This Statement Is a Facsimile - Not an o ftbul 0090601 Fa 3333SCI see M 2 Oar esOSiea rM.142 056M IN0. 790se 1 291 0 0 0 0 010YmMe61 X. 930694913013 EXHIBIT "of 97 OpennglClosi g Date. 04/09108 - 05108!06 Accour" Number; 55112 5086 1533 807 Pape 2 ol 2 TRANSACTIONS (CONTINUED) Amount Trans Date Relerence Manber Merchant Name 9r Transaction Description Credit Debit 04,30 55432868121000209539812 MY AX - RC US IP SOLN 866-5639212 NH 10.00 58 99 04,28 554996781206914o0669605 4 RrrE AID STORE 1074 LEMOYNE PA SUBWAY 25913 00269076 MECHANICSBURG PA 6 14 0 04!29 X10 19 81 212 5543 05 901 0480 55446118121207426402110 PA DRIVERMEHICLE SERV 8009324600 PA 37.50 70.00 06430 554 88 72 01 212 86 31 08 00016 92 GOOD HOPE FAMILY PRACT SOUTH ENOLA PA SUBWAY 26913 00269016 MECHANICSBURG PA 24 6 624 o4/30 0541019111222554313950 05)02 06740488123040001545067 KARNS OUALRY FOOD SNO LEMOYNE PA 7 6 56 05102 05410190124255432973616 SUBWAY 26913 00269016 MECHANKSBURG PA . 33.03 05/0505410198126953030009043 PERKINS M9009123902 LE MOYNE PA AMOCO OIL 06954009 LEMOYNE PA 17.96 05105 054101001275531266BD459 DSIo5 o5444oottinzae380385077 NEWSHOSTING407-249.2221 FL 19.95 17.25 05106 55500368128286088901535 DUKES RIVERSIDE WORMLEYSSURG PA DUKES RIVERSIDE WORMLEYSBURG PA 59 31 05/06 555003691282860&!902137 05106 05410198128663127760278 AMOCO OIL 06054009 LEMOYNE PA 8 98 19.50 05/06 25247008125000409345959 CINEMA CENTER AT CAMP CAMP HILL PA 2225 05,07 5544641812RW128012749 1 WINE 6 SPIRITS 2102 LEMOYNE PA CINEMA CENTER AT CAMP CAMP HILL PA 10.00 05106 25217110812800040934599 05,0705410190129799128830344 60.00 3588 05/08 BUSINESS PAYMENT PROTECTOR 14866-707-8748 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $1.195.64 INCLUDING PAYMENTS RECEIVED Finance Charge Due To Transaction Accumulated Daly Periodic RIMS Corresp. Average Daly INANCE CHARGES ARGES Category 30 days in cycle APR Balance periods Rate Fee Fn Charge $O W X1-'`'4 . Purtlhasas V.03011% 10.99% $3.492.04 $31.54 $0.00 02 $0.00 $0.00 $0 $0.02 . Cash advances V,057511% 20.99% $1.06 $31.56 Total lirtance charges Eflectlve Annual Percentage Rata (APR)- 10.9496 Please see nbrma9on Abdul yaw ACColnl section for balance c-T AaOm marlwd. grace period and o7her importer"iMornre7lon. . The Corresponding APR is the rate of ir"erest you pay when you carry a balance on any transaction Category The Etletlive APR rapreaems your tole! finance charges - Including Vansacorf foes Such ae cash advance and balance tranabr tees - arqueased as a percaraege. 8576649 This Statement Is a Facsimile - Not an original X OOaaan Fltusissc, ado N z as owow a Pg2e2 SUN swa ? 12mooooarasm05MM 96 Of 97 Statement for account manger: 5682 508315338487 Now Baker" Payment Due Date Past Due Amours Mirdmum PWnwnt $5.155.85 09/28108 $0.00 $103.00 make Wch*C*pyabIt.: Ch- Card Services. Ne Ii Please write ar arro rant.nrbr4d New address o o-rei? Print nlon bad. 556250861533846700010300005155850000009 Z{Oe. aEx Z a20a C ALE KSANDR A MI KLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 I ... III... 111,1....11...11.. L L I, d. , i. L r.I1. LI, L J, L r I J CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19085-5153 1:50001160281: i6986i5338487911e OpeningiClosirg Dde: 08/09108 - 09108/08 CUSTOMER SERVICE Peymerd Due Dole: 09/28/08 In U.S. 1-800-346-5535 6081-9$88 CARD STATEMENT Minimum Payment Due' $103.00 Espolol 1-8 -795.0574 TDO 1. OD-955-8060 Pay by phone 1-800-436.7958 Outside U.S. call collect 1-480.350-7099 MASTERCARD CARD SUMMARY Account Number: 5562506815330497 ACCOUNT INWIPoE3 Previous Balance $5.115.08 Total Credit Line $6.000 P.O. Box 15298 Payment. Credits 4200.00 Avail" Credit 5844 Wilmington DE 19650-5298 Cash. Debits 4192.81 Cash Access Line Ptrdhee $1.200 . Finance Charge 8$47.96 Available for Cash $844 PAYMENT ADDRESS New Balance .155.85 P.O. Box 15153 Wilmington DE 19886-5153 VISIT US AT: PREMIER CASH REBATE PAINT SUMMARY Previous Rebde Poird Balance 3.812 Bonus Rebels Pink 87 Base Rebels Points on all Purchases 148 Rebate Earrings forfeited this month 0 New Rebate Pdm Balance 4.047 1.670 Rebates to expire on stalament dale in May 2010 Remember you earn one point for all your Purchases plus an additional two pmts fm corlrrnn ixltiree purdhee. Common bLmrn S pxrchaaee include purchases made at gas eleliora. hardware stores. hone mprovernerd stores. office supply Stores and reatrants. TRANSACTIONS Trans ArnOum Dale Rolwencs Nunber Merchant Name or Transaction Description Credil Debit ON10 5543286522300MM48265 VONAGE'PRICE+TAXES a56-2434357 NJ $30.39 01113 55432868226000691387542 HSBCICREDITKEEPER 866497-6054 VA 9.95 OW19 05410198233683232990041 BP OIL 06954009 LEMOYNE PA 8.09 08/22 55432868236000030986600 GIANT FOOD 0269 CAMP HLL PA 30.71 08/28 12412412700005829811203 Payment - Thank You 200 00 ON27 15203251241163464803505 CRYSTAL ART SOFTWARE A FREDFOKS13ERG DNK 2.99 08030 55432868243000850931620 MYFAX 'PROTUS IP SOLN 866-563-9212 NH 10.00 08131 05410198245835311766132 PIZZA HUT a23D84430034 CAMP HILL PA 1377 00/0205410195246035030418592 PIZZA HUT*230e443D034 CAMP HILL PA 11.63 09!04 051404 88248 72 00328 20 23 7 MCDONALDS F7928 017 LEMOYNE PA 8.84 09M 05444008250446IS3290570 NEWSHOSTING407-249-2221 FL 18.95 09108 BUSINESS PAYMENT PROTECTOR 1-865-707-8748 45.49 ALEKSA NDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) 5-7.19 INCLUD ING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Dally Periodic Rala CorresP. Average Daily Dire To Transaeon Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Ride Fe Pot Charge CHARGES Purchases V.03011% 10.W% $6.135.46 $47.94 $0.00 110.00 $47.94 Cash advances V.05751% 20.90Y. $1.15 $002 $0.00 50.00 $0.02 Total trance charges $47.96 E/lediverAmud Perowtage Kale (APR): 11.20% Please ae Information About Your Accota section for balance oomputabon mdhod. grace period. and other imporierd inlormaton. Corresponding APR is the rate oi irses; you pay when you Th e Eitecive APR represertb your told 1ar1 WTM charges Includig carry trenaa balance on acton fee a" ter,eaien category. 8576649 such as cash advance and balance Varefer leas - expressed as a percentage. This Statement Is a Facsimile - Not an original 000001t FM3335CI Sea N Z oar osaaee P.O.1 e1 M59% MADA 2 25x10000ero0n2 O R 03Awwwa mm"INat Sdetl 80 of 97 CHASE C) I...I I I. i..I. ,1. i..I..I I...III.... HIM ... 0,.1.1...11..11..1 Statement for account number 5582 508815M sae? /? New Balance Paymant Due Dale Past Due Ambum Minimum Psyrnem CHASE O $2.254.00 02rdm7 WOO $45.00 MMk-year cheek Payable to Chase Card Servi- Amounl Enclosed $ Nw ddmss or -mill Print m back. 558250861533848700004500002254000000000 211-'aeorz03107c I„JILL.I,.LLJ.,IIn.,LL1nJlJ.L.1111,IJ.n,iLJL.I ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER SERVICE 2 B RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011 WILMINGTON DE 19886-5153 1:5000 8160 281: 1698615338487911• Opsning(Ciosing Date: 01103,D7 - 02JO2107 CUSTOMER SERVICE 6Ua1111Eaa CARD aTATE M NT Payrruad Due Dale: 0222#7 in U.S. 1-800-346-5538 Minimum Payment Due: woo Espefbl 1-688-795-0574 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. cell collect 1400-350.7099 MASTERCARD ACCOUNT SUMMARY Account Number: 5682 50861533 6467 Previous Balance $0.00 Tolai Credit Line $5,000 PACCOUNT INOUIPoES O Box 15296 Purchases. Cash, Debits .$2,222.12 Available Credit . 12,746 . DE 19850-5298 Wilmin ton Finance Charges .131.118 Cash Access Line g . $1.000 New Balance 12,254.00 Available tar Cash 11,000 PAYMENT ADDRESS P.O. Box 15153 Wilmington. DE 198 86-5 15 3 =US AT.rkrm PRFMIFR ASH RFRAT POINTS IMMARY Previous Rebate Pam Balance 0 Bonus Rebale Points 283 Base Rebate Points on all Purchases 1.160 New Rebels Point Balance 1,443 1,443 Rebates to eVre on statement dale in February 2000 Remember you earn one point for all your purchases plus an ad6tlonal two points for common business Purchases. Common business purchases include purchases made at gas stations. hardware stores, home Improvement stores. otlim supply stores and restsurmts. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01108 55432867009000336489526 SUNOCO SVC STATION CAMP HILL PA 130.00 01109 75306377010227500000106 BROTHERS P=A INC MECHANICSBURG PA 5.30 01110 0541019701 168301007D33 AMOCOOIL 06956009 MECHANICSBURG PA 6.54 01/11 06140487011720008007840 PAY 1 D40 SERVICE FEE # a6865a6465 TN 6.72 01111 05140487011720007904386 U.S. TREASURY TAX PAYM 8007229104 DC 270.00 01/13 56434257014200669700011 TWO COUSINS PIZZA AND CAMP HILL PA 17.12 01/13 05444007014703165561936 GLENN MILLER BEER LEMOYNE PA 16.95 01115 55541867016004046218679 SEARS AUTO CNTR 6364 CAMP HILL PA 316.72 01!20 20200028740666666661083 BALANCE TRANSFER 357.44 01/2120200028740666666661093 TRANSACTION FEE 10.72 012020200028741666666661064 8N-ANCETRANSFER 705.27 0121 202000287416666SW51004 TRANSACTION FEE 21.16 0122 55499677023200438800076 BURGER KING 8554 007 CAMP HILLPA 191 0122 05140487023710014381343 WEIS MARKETS 853 SHSHD CAMP HILL PA 4.51 0126 05410197027683026010115 AMOCOOR 06955009 MECHANICSBURG PA 515 01/30 55453267030286599600240 ADVANCED DERMATOLOGY AMECHANCSBRG PA 10.00 01/31 05410197032683031250113 AMOCOOIL 06955009 MECHANICSBURG PA 4.50 ALEKSANDR A MBKLUSH TRANSACTIONS THIS CYCLE (CARD 6487) $1,792.01 INCLUDING PAYMENTS RECEIVED 01/10 55446417011286099900106 NEW 2ND WOK HARRISBURG PA 31.15 01M 061404870107100146578226 WEIS MARKETS 853 SHSHD CAMP HILL PA 18.92 01110 05410197011799010690183 AMOCO OIL 06954747 LEMOYNE PA 15.10 01111 05140487012710015989907 WETS MARKETS 853 SHSHD CAMP HILL PA 14.82 01/14 05140487015710011737679 WEIS MARKETS 853 SHSHD CAMP HILL PA 90.60 OU16 55483827016360949241828 WMSUPERCENTER SE2 MECHANKS8URG PA 69.87 01/19 55541867019064016225368 COMCAST OF CENTRAL PA a0o-COMCAST DE 123.91 01/17 SS547517019251017DIO402 UNI-MART #Ml3 CAMP HILL PA 12.39 0124 05140487025710015464920 WEIS MARKETS 853 SHSHD CAMP HILL PA 2156 .i o o' 138 6703°?311603 5 8576649 063 E PAL PA 4F7 LE OY 1029 1 1 1 MO YN 6964 01130 051404BM31710015430305 WEIS MARKETS $53 SHSHD CAMP HILL PA 10.14 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8495) $461.99 This Statement Is a Facsimlte - Not an original 1c 000401. F"3=sct sea N Z 02 071fDA2 PM.1 a2 656111 VAC A 213H ONIOD0001000243MM 70 Ot97 OpeningiCbdng Date: 01103107.02/02/07 Account Number: 5552 5006 1533 5M7 Page 2 of 2 .8576649 FINANCE CHARGES Fnarxa Charge Daily Periodic Rate Corresp. Average Defy Balance Due To Transaction Azvmufated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fm Charge CHARGES Purchases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0-00 V .056Q% 24.24% GO-1211pim- $Q.00 $000 $0.00 $Am 40.00 .. Balance transfer .00000% 0.00% $495.93 $0.00 $31.09 $0.00 $31.08 Total finance charges $3180 Effective Annual Percentage Rata (APR): 35.99% Please sea Information About Your Account section for balance cornp labon method. grace period. and other important intonnation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your told finance charges - inclu4rg transaction fees such as cash advance and balance transfer lees - expressed as a percentage. This Statement Is a Facshniie - Not an original R 0000016 nas+vscl 066 N z @ 6rr(m@ Pge2d2 060114 sow arms e3a11a6o4n00oKUM 72 of 97 Statement for aeoould raanbw: 5502 50061533 04107 New Balance Payment Due Date Pest Due Amount Minimum Ptlymeni CHASE O $3,397.40 0328/07 $II o0 $6700 ??1 MaMe your d,eek Pgeble to pose Card Sur i- . Amount Enclosed '$ ?Nsw edd?.as v omrr? Print on hack - 558250861533848700006700003397400000003 2LEKSAN A DRAMIKLUSH BUSINESSACCOUNT AP CARDMEMSER SERVICE 2 2 8 RK;HIANO LN LN APT 208 PO BOX 16153 5153 CAMP HILL PA 17011 WILMINGTON DE 198865153 i:5000L6028i: L6986153384879111 OpeninBlClosinB Dale: 02/03/07-03/06/07 CUSTOMER SERVICE 8MMEW CARD STATBaENT Payment Due Dole: Minimum Payment Due: 03128/07 In U.S. 1-600.346-5538 $67.00 Espanol 1-688.795-0574 TOD 1-600-955-0060 Pay by phone 1-600-436-7958 Outside U.S- call collecl 84350 7009 1 MASTERCARD ACCOUNT SUMMARY Account Number: 5682 56661533 8467 ACCOUNT INOUI W ES Pro ious Balance $2,254.00 Total Credit Una $5.000 P O Box 15298 Payment. Credits -$70.00 Available Credit . . $1,602 Wilmington DE 19850-5288 Purc weft Caen, Debts +$1,213.40 Cast Access Line . $1,000 New Balance .397.40 Available Tor Cash $1.000 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19986-5153 VL91T US AT: wrrrr hsss wd, 8576649 PRFMIFR CASH RFRATF POINT SUMMARY Previous Rebae Poitx Balance 1.443 Bonus Rebeve Points 275 Base Rebate Points on all Purchases 1,199 New Rebate Point Balance 2,916 1,443 Rebates 10 expire on statement dine in February 2009 Rernember you earn one point for all your purchases plus an additional two points for common business purchases. Common business purchases indude purchases made at gas stations, hardware stores, home imprave ni sores- office supply Morse and restaurants. TRANSACTIONS Trans Arum Date Rehrence Number Merchant Name or Transaction Description Credit Dabit 02103 05410197035790034440183 AMOCOOIL 06954747 LEMOYNE PA $34.67 02/02 55420367036670391089148 UGI / NCO JACKSON Mir 206.95 02115 85406757048101912840027 LONG MEDOWS APARTMENTS CAMP HILL PA 203.50 02722105405327MO2072660DOOS PAYMENT-THANKYOU 7000 02122 74265850543467000113a34 EPAY FEE Wilmington DE 14.95 ALEKSA I aR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 5497) $39007 INCLUDING PAYMENTS RECEIVED 02/OS 65483827035360614724104 WMSUPERCENTER SE2 MECHANICSBURG PA 9.74 02103 55547517036117027010347 DOMINO'S PIZZA 804861 1111111111 PA 16.82 02MS 06140487037710014750906 WEIS MARKETS 963 SFLSFD CAMP HILL PA 108.80 02MS 05486807038378000049383 EKKONMOBI_75 04209763 HARRISBU PA 10.01 02M7 5641734703912039011412 KFC 730 01835 8831076 MECHANICSBURG PA 8.94 02/07 5524 64170 402x5098900010 NEW 2ND WOK HARRISBURG PA - 24.41 02/08 05140487040710016177284 WEIS MARKETS 853 SHSHD CAMP HILL PA 41.34 02/12 05140487044710016756663 WEIS MARKETS 853 SHSHD CAMP HILL PA 10.97 02/16 5554751704x117039012367 DOMINO'S P177A 104x61 1111111111 PA 21.60 021`19 05140487051710016146469 WEIS MARKETS 853 SHSHD CAMP HILL PA 69.06 0225 66483827057360321632230 WMSUPERCENTER SE2 MECHANICSBURG PA 217.22 02/28 55485417060004044331901 APRIA HEALTHCARE SOOTHWYN PA 6400 02J2a 054150170601400049a2728 WAL-MART81006 SE2 MECHANICSBUR PA 128.34 030`03 06410197063799OUSDOW3 AMOCOOL 06954747 LEMOYNE PA 20.09 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 0495) $75333 This Statement Is a Facsimile - Not an original )(OO=2 F033MCI ON N Z 09 07Aer0a Pgat d4 05M MADA 25M ovicooD0r000T3.5m 64 of 97 Opstitglaosi g Data. 02M3/07 - 03MW07 Accourtl Number: 55112 5085 1533 $4e7 Page 2 of 4 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Accumulated Transaction Due To FINANCE Category 34 days in cycle APR Rate Periodic Fee Fin Charge ARGES CH Purchases .00000% 0.00% $1.921.13 $0.00 00 $0 50.00 00 $0 $0.00 00 $0 30.00 $0.00 Cash advances V .06642% 24 24% Balance trereier .000001/6 0.00% $000 51,062.71 . $000 . 50.00 . $0.00 $000 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Ream see Information About Your Account section for balance computation method grace period. and other inportant nlamstion. The Corresponding APR is he rate of interest you pay when you carry a balance on any transaction category. The Enehiive APR represents your total finance charges - including transaction tees such as cash advance end balance transfer lees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the TwoCyde Average Deily Balance Method (compute interest on previous and current CyCIB purchase, balances) with the Average Daly Balance including new purchases Method (purduaea daily balance limes prrdtases dusty rate each day only in he Current eyrie). Pay your taxes the tact and easy way. Use your Business Card to pay your federal taxes. Veit www.dnaeepayyourum&com,`Uz today for details. Save time and new rtise a monthly payment. lrs easy to arrange automatic psynemsioryour recurring expanses with your Chase Business Cara. Them are no fees for his service'Asl www.eheaOWhMager.eom today for a list of peranipafng merchants. 8576649 This Statement Is a Fwalmile - Not an origbUt x 0000012 RSai'05Ct am e z 06 MOVING Paprr20s ON" WnM 25456 aenmamtmml am 66 of 97 Statement t0N account i nrnber. 5682 5086 ism m7 Now Balance Payment Due Date Past Due Amount Minimum Payment CHASE 0 $4,112.49 9428107 $0.00 $82.00 y N." gy y1?p1 Make your d4eck We to Chaaa Card 9.rvlcew PN.7ax CeM at, Amount Enclosed 1 S Nwv eddmsa v sarrl? Print on back. ww Cllasepayyetataxes,com n 556250861533848700008200004112490000001 ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER SERVICE 2 B RK:HLAND LN APT 208 PO BOX 15153 CHAP HILL PA 17011 WILMINGTON DE 19886-5153 1: 5000 L60 281: 16986 L 5 3 38I.& 79ea 8576649 OpenngfOosinp Dale: 03109107.04106/07 CUSTOMER SERVICE BUSH E CARD BTATBMEMT Psymare Due Dale: t D P 04/26107 In U.S. 1-860-346-SSW 00 $82 aymen ue: Minimum . Espanol 1.886-795-0574 TDD 1-806955-8060 Pay by phone 1-800-436-79M Outside U.S. call cooed 1-486350-7099 MASTERCARD ACCOUNT SUMMARY Account Number: 5592 50961533 8487 ACCOUNT INQUIRIES Previous Balance $3.397.40 Total Credit Una U.- Box 15298 Payment Credits 4147-00 Available Credt $887 Wilmington, DE 19850-5298 Purchases, Cash, Debits +5862.09 Cash Access Line $1,000 New Balance $4.112.49 Available for Cash $887 PAYMENT ADDRESS P.O. Box 15153 WllnirgtorL DE 19856-6153 VISIT .MAT, PREMIER CASH RF_RATF POINT SUMMARY _ Previous Rebels Point Balance - - -- - 2.918 Borx1s Rebels Palms 130 Bess Rnbale Points on all Purchases 863 New Rebate Point Balance 3,911 1,443 Rebates 10 expire on statement dale in February 2008 Remember you earn one point for all your purchases plus an additional two points for common buainss purchases. Common business purchases irnckhde purchases made at pas ststiom hardware stores. home improvement stores, olliice supply stores and restaurants. TRANSACTIONS Trans Amount Date Reiererce Number Merchant Name or Transaction Descrip4bn Credit Debit 03110107ODS927374576336DDDDS PAYMENT-THANKYOU $147.00 03/16 5543286707500o882568640 FEES 214.7562700 TX 4.85 owls 5s432es707swosa2722386 ERIE INSURANCE 806967-9649 PA 671.00 03/30 15121637090973241204995 PUMUS.COM ONLINE STOR SAN DIEGO CA 10.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 0487) $538.95 INCLUD ING PAYMENTS RECEIVED 03/07 0514048706771 W16096389 WE13 MARKETS 053 SHSHD CAMP HILL PA 64.81 03/08 6549967706869167283661a RITE AID STORE 1074 LEMOYNE PA 26.90 03/14 05444007074763951267087 WENDYS 00431 025 CAMPHILL PA 16.88 03/16 05410197076799075440373 AMOCOOIL 06954747 LEMOYNE PA 15.12 03/27 55547517087117078015448 DOMNO'S PIZZA 0040611111 Ill 111 PA 25.91 0328 55499677088691780596860 RITE AID STORE 1074 LEMOYNE PA 19.43 03/29 55547517089251067020103 UNI-MART 094213 CAMP HILL PA 5.09 RACHELA MIKLUSH TRANSACTIONS THIS CYCLE (CARD 5495) $176.14 x0000001 F1Ma=C1 DM r e as 07A,Ae P,9.1 d2 eSeM te10a 14M MNUMDOIDOM400 M 60 of 97 OperonglClosing Dale: 03/0W07. 040OM7 Aocoum Number: 5582 5006 1533 6467 Pape 2 Of 2 8676649 FINANCE CHARGES Finance Charge Daily Periodic Rate Curresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in Cycle APR Periodic Rene Fee Fn Charge CHARGES Purchases .000009. 0.009E 52.663.46 00 $0.00 $000 $0.00 $0 00 $0.00 00 $0 $0.00 $000 Cash advances V A *W-1. 24.24% Balance transfer 00000% 0.009: $0. $1.062.71 $000 . $0.00 . $0.00 $0.00 Total finance charge, $0.00 EN,cdvo Annual Percentage Rasa (APR): 0.009L Please see Information About Your Account section for balance computation method, grace period. end other important information. The Corresponding APR is he role of interest you pay when you carry a balance on any bansaaion category. The Effective APR represents your told finance charges - including ?ansaction lees such as cash advance and balance lmnsler fees - BVressed as a parcemage. IMPORTANT NEWS You can access cast veth your Chase Business Credit Card 81ATMsworldwlde. Simply call ourAcivalion Line today at 1-800.949-3452.301W your own 4 digh PIN and youll have immediate rash access. R 6066mr PS3333SCI loo v e 06 07r60M Pep2d2 65,86 w M flea amooomn6omasrs6z 62 of 97 Statement for account number: 5502 50061533 8407 New Billerica Payment Due Date Past DUSAmoum Minimum Paymem $4,507.93 05!26!07 $0.00 $60.00 Make your elhock P6y6blo.to gage Card S6Meea Mount Enclosed New edboss s v-Trot? Pmi -C bw*. 558250861533848700009000004507930000005 ,e0reek]t a,l c ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 i:50001h60281: 16986153384879Ne 8576649 OpeninprGosirg Date: 04109/07 - OSAM107 CUSTOMER SERVICE 111MINBSS CARD STATEMENT Payment Due fie: LiKumum Payment Due: 05728/07 In U.S. 1-000-3465538 $90.00 Espanol 1-006795-0574 TOD 1-806965-9050 Pay by phone 1-000436-7956 Outside U.S. call tolled 1-406350-7099 MASTERCARD ACCOUNT SUMMARY Account Number: 5502 SM 1533 M87 Previous Balance $4,112.49 Tofel Croon Line $5,000 ACCOUNTINOUIRIES Box 15290 Payment Credo -$02.00 Available Credit $492 W,WilrIrai n0lon, DE DE 19850.5208 Purchases, Cash, Debits +5477.44 Cash Access Line $1,000 New Balance ,507.93 Available for Cash $492 PAYMENT ADDRESS P.O. Box 15153 Wilmirglon. DE 19806-5153 VISIT US AT: PREMIER NACU REBATE POINT SUMMARY R4eAtous ReOMS Point Balance 3.911 Bonds Rsbaw Points 275 Base Robins Points on ell Purchases 478 New Robins Point Balance 4.665 1,443 Rebales to expire on statement date in February 2009 Remember you own one point for 99 your pvchases plus an additional two points for cwmrion business purchases. Common business purchases include purchases made at gas stationk hardware stores, home Irnprovemrm stores, o181e a Wy stores and restaurants. TRANSACTIONS Trans Amount Date Rebreme Number Merchant Name or Transaction Description Credit Debit o4m il1611s27390697725o0008 PAYMENT-THANKYOU $82.00 04/M 15121837121789257855815 PUMUS.COM ONLINE STOR SAN DIEGO CA 10-00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 6487) 572.00 INCLUDING PAYMENTS RECEIVED 04122 56446417112286011500074 NEW 2ND WOK HARRISBURG PA 39.37 05101 064101971226831212401S7 AMOCOOIL 06954009 LEMOYNE PA 10.06 04/30 05140487121710017952637 WEIS MARKETS AS3 SHSHD CAMP HILL PA 22.27 05101 05140487122710018208500 WEIS MARKETS 853 SHSHD CAMP HILL PA 2335 05103 05140487124710019127483 WEIS MARKETS 853 SHSHD CAMP HILL PA 32.19 05/03 06444007124817856178385 BARNES a NOBLE 8204090 HARRISBURG PA 21.13 OU03 25260057124124167650309 THE MAIL ROOM LEMOYNE PA 10.44 05/03 55499677124691988208645 RITE AID STORE 1074 LEMOYNE PA 12.75 OS/06 06410197127683126610193 AMOCOOIL 05964009 LEMOYNE PA 10.14 05106 25413897126901851601851 XPENNEY STORE 2712 CAMP HILL PA 49.98 05/05 85500397126,1000003701104 TWO COUSINS PIZZA AND CAMP HILL PA 22.00 05/0705410197128799127670082 AMOCOOL 06054747 LEMOYNE PA 20.10 0510606410197127625314987042 TACO BELL 805600056065 LEMOYNE PA 14.70 05107 55446417128286011100091 NEW 2ND WOK HARRISBURG PA 21.47 05/06 25411177127127099576709 OLD NAVY 85348 CAMP HILL PA 157.49 RACHELA WKLUSH TRANSACTIONS THIS CYCLE (CARD 5495) $187.44 x 0000006 Fauxis c 1 00e v 6 on OAe51116 No.1 d2 ,bees IM 011 there 1291000001OMOOM CHASE O I...III.I..L.Iri..I..11...1.1....Ilri.i...ii,.l, 1...11..11..1 56 of 97 Openitplaosin0 Date: 04/00/07 - 05108107 Account Nudber: 5582 5086 1533 8487 Page 2012 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fm Charge CHARGES Purchases .00000% 0.00% $3.099.38 $0.00 $0.00 $0.00 $0.00 Cash aMances V.06642% 24.24-1. $0.00 $000 $0.00 $0.00 $0.00 Balance trenster .00000% 0.00% $1.062.71 $0.00 $0.00 $0.00 $000 Total lnance charges $0.00 B1ecttm Annual Percentage, Rate (APR): 0.00% Please sae Intwmation About Your Account section for balance computation mall d grace period. and other importard intonaation. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represerds your total finance charges - 'incldig transaction tees such as cash advance and balance transfer tees- expressed as a percentage. Free quarterly online managernerd reports. Free e-mail or phone account darts. No /ee Orlin* payments and much more. Let your Chase Business Card work for you. Pail us today al www.chaae.coinitusineescsrds and sign up for free amine account access. lab easy to pay your common business expenses autometitely with your Chore Business Card. Slmpty visit www.dhasebilmer ager.com totlay or check your baling invoices to see d your vendors otter auto bill pay 8576649 R oao0eea RS33 CI aeo v o 05 07MM Pp2e2 05M rMOA foam 12eroooomo00ree79m 58 Of 97 Stat@rylellt for accord number. 5682 50881533 8487 New Name Payment Due Data Past Dua Amoum Kn rrum Paymem $1,476.80 06reW7 $0.00 $29.00 l? dace psysbts is Ch- Cod 9ervl- 'f ?Nw cdeyaurdrass a e-rtiH Pert C beck. Mnoum Enclosed We 558250861533848700002400001476800000005 Unsm a iwwc ALEKSANDR A MIKLUSH BUSINESS UNT 28 RICHLAN LN APT 208 CAMP HILL PA 17011-2421 CHASE O CARDMEMSER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000L60281: LF3986L53381.879xe 8576649 OpeninglaosinO Dale. 05!08/07-06100/07 CUSTOMERSERVICE f11Ni$NESis CAM STATEMENT Payment Due Dale: Minimum Payment Due: 0528107 In U.S 1-800-346-5538 $29.00 EspsAol 1-888-795-0574 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect 1460-350.7099 MASTERCARD ACCOUNT SUMMARY Account Numlow: SSW wee 11533 9487 Previous Balance $4,507.93 Total Credit Una ACCOUNT INQUIRIES $5,090 P.O. Box 15298 Payment, Credit 84,610.63 Available Credit $3,523 yalrnirglon. DE 19850-5298 Purchasss, Cash, Debits X57,579.50 Cash Aocess Una $1,000 New Balance 1,476.80 Available for Cash $1,000 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VL91T US AT. www ehes9 99nyhasirwsscard RRFMIFR CASH RFRATF POINT SUMMARY Previous Rebate Point Balarice 4.665 Bonus Rebels Points am Base Reba* Points on all Purchases 1.456 New Rebate Point Balance 6.991 1.443 Rebates to aq*e on statement dale in February 2009 Remember you earn one pD" for ell your purchases plus an additional 1010 point for cormen business purchases. Common business purchwas include pureheaes made at yss stations. hardware mores, home improvemsr4 mores, office supply stores and restaurants. TRANSACTIONS Trans Amounl Dale Reference Number Merchant Name or Transaction Description Credil Debit 05112 05410197133743006684461 RADIO SHACK 00120105 CAMP HILL PA $31.74 05/12 55434257133505161295942 TOYS R US #6315 CAMP HILL PA 42.39 05113 05410197134743003890805 RADIO SHACK 00120502 MECHANICSOURG PA 15.87 05!16 11361362730767517100000 PAYMENT - THANK YOU 3,988.77 05119 0514610T307200277S5205 MCDONALDS F/928 017 LEMOYNE PA 9-20 0520 05410197141105173130844 STAPLES 00116142 CAMP HILL PA 150.98 051`19 56432867140000309971113 SUNOCO SVC STATION CAMP HILL PA 1027 0521 06410197142683141230263 AMDCOOIL 06955009 MMECHANICSBURG PA 5.61 0522 05410197142683142890275 AMOCOOIL 06954009 LEMOYNE PA 5.07 05/22 05410197143603142930286 AMOCOOIL 06954009 LEMOYNE PA 1014 0523 05140487144710019132281 WEIS MARKETS 853 SHSHD CAMP HILL PA 11.22 05/27 05410197140603147360385 AMOCOOB. 06954009 LEMOYNF PA 5.07 0525 25247807146011363733876 SUBWAY 026913 MECHANICSBURG PA 6.86 0525 56300767146547877057786 SHELL OIL 57542530509 CAMP HILL PA 7.47 Ord25 55301IM1465471578057767 SHELL OIL 57542538509 CAMP HILL PA 29.38 05/29564.92067140000048516610 WWW.NEWEGO.COM 800.390.1119 CA 310.70 0527 55432867140000930009900 SUNOCO SVC STATION HERSHEY PA 30.01 OU28 06140487149710016640071 WEIS MARKETS #53 SHSHD CAMP HILL PA 12.49 05/29 a54067571401019120WO17 LONG MEDOWS APARTMENTS CAMP HILL PA 63.50 052905410197150683149750430 AMOCOOIL 06956009MECHANICSBURGPA 5.79 OU31 55547517151251591010080 PAPA JOHNS 00795 7177617272 PA 26.07 06130 15121837151644273922707 PUMUS.COM ONLINE STOR SAN DIEGO CA 10.00 05/3105411019715211111315117011,479 AMOCOOIL 06954009 LEMOYNE PA 5.07 06/0105410197152663152760225 AMOCOOIL 06954009 LEMOYNE PA 5.e2 06/06 11571572740498147MWO PAYMENT - THANK YOU 500.00 06/06 55432067157oM837344523 AMTAmseon PeynlwasAMZN.COMIBILL WA 109.11 06107 55417347150641592309399 LIT MICHAEL K TRAN OD CAMP HILL PA 69.00 ALEKSINDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8467) $3.529.47 INCLUDING PAYMENTS RECEIVED 05/07051,4048712871001171131200 WEIS MARKETS 11153 SHSHD CAMP HILL PA 3440 OSM 8550# M29400000410054 TWO COUSINS PIZZA AND CAMP HILL PA 21.84 OSN6 56499677129691012645567 RITE AID STORE 1074 LEMOYNE PA 33.50 05M 05 1404 071 307100 185 35 340 WEIS MARKETS 253 SHSHD CAMP HILL PA 25.87 X OD00001 F18333lsC1 OOO Y 9 oe 07Aae4 Pager d2 1080 WADA 34715 /6010000010003an501 52 of 97 OpenngUoalrg Date. 05109/07 - 06108M7 Account Number. 5582 5086 1533 8487 Page 2 of 2 TRANSACTIONS (CONTINUED) Trim s Amount Data Reference Number Merchant Name or Transaction Descriplion Credit Debi) 05110 5554 a67131072013363340 GIA x269 SJ6 CAM HILL PA 16 32 05110 55490677131691029370702 RITE AID STORE 1074 LEMOYNE PA 26.73 OSn2 55500367133029327800944 KATHIES CHRISTMAS a C CAMP HILL PA 31.96 05112 55409877133691040252291 RITE AID STORE 1074 LEMOYNE PA 2493 05112 55434257133508150630520 TOYS R LIS 06315 CAMP HILL PA 36.01 05A2 05140407LWI0035206666 MCDONALD'S FT02a 017 LEMOYNE PA 12.05 06111 0541019713274300388833 RADIO SHACK 00120592 MECHANICSBURG PA 105 99 05111 05140487132710021275254 WEIS MARKETS 053 SHSHO CAMP HILL PA 3703 05113 05410197134743003999797 RADIO SHACK 00120592 MECHANICSBURG PA 105.99 06114 05410197135683134260494 AMOCO OIL 06VAODO LEMOYNE PA 11.13 OU14 05140487134720025a712D4 MCDONALI S F7M 017 LEMOYNE PA 13,44 05!14 05410197135790134250140 AMOCO OIL 06954747 LEMOYNE PA 2005 05/15 05410197136709136350354 AMOCO OIL 06954747 LEMOYNE PA 15.22 0522 05410197143790142910217 AMOCO OIL 06954747 LEMOYNE PA 25 09 0522 554317117143001354605a84 LISPS 4134870011 CAMP HILL PA 52,40 0523 554317871410013543101172 LISPS 4134670011 CAMP HILL PA 1625 0523 05140487144710019131903 WEIS MARKETS 953 SHSHO CAMP HILL PA 4404 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8495) $498.34 FINANCE CHARGES Finance Charge Daily Periodic Rate Correap. Avow# Daly Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .00000% 0.01y% $1.674.65 $0.00 $D.00 $0.00 50.00 Cash advances V .06642% 24.24% SD.00 $0.00 $0.00 $0.00 $0.00 Balance trereler DDDDD% 0.00% $500.10 $0.00 $0.00 $0.00 $0.00 Total finance charges 10-00 ENedlve Annual Poics age Rate (APW.. 0.00% Please we Mormnion About Your Account section ter balance comp talron method. grace period. and other Important inla is ion. The Corresporhdng APR is lane rate of interest you pay when you carry a balsnoa on any transaction category. The Etlsmve APR represents your told linanor charges- ine97di g transaction fees such as nalh advance and balance Verne tees - expressed as a percerda0e. IMPORTANT NEWS You Chase MasterCard Business Card can save you money on busneesaavel ex penises. Veil www.chaMCOrntusileaaCafda and drx on Discounts br MewerCard Cardltembers to see great othrs tore Four Points by Sheraton. Alamo. National Car Rental and more. Your Chase Business Card provides you a cerweniert A secure way to pay your Ouarerly Federal Business Taxes with a low 2.49% convenience tee. Pins, you can own rewards on tax payments and manage you cash tlow by choosing to pay over tine. Vigil us at www.dmepeyyoutaxes.co fUzsx today. 8576649 X 000001 RS33325C1 o0 v a as 6rASe6 P p2a2 0506 MA DA 34715 15er0000010004T5a2 54 of 97 St1tOrliGnt for s0eourd number: 5582 50961333 8497 New Balance Payment Due Cate Pant Due Amount MinImum Payment CHASE 0 $2.880.18 07121107 $0.00 $86.00 e Your dleeft psysbls to Chan Card Services. Amount Enclosed laek If ? Nwv.d=.erra-a.il? Pura m tad,. 558250861533848700008600002880180000001 1.3Q8EX s ae0r c I...Ill.l.,l.d, I.,I.rll.,.l,lrr.,llrlrir.r Ii..l.I.r.ll.rll..i ALEKSANUR A MIKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 R CHLAND LN APT 208 PO 80X 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19996-5153 1: 5000 160 281: 16986 1,5 3 3848 79"a OpeningCosingDate: 06/091D7-07/09/07 CUSTOMER SERVICE StMNF.EB CARD STATEMENT Payment Due Dale: Minimum Payment Due: 0726/07 In U.S. 1-000-346-5538 $8600 Espefbl 1-989.705.0574 TDD 1-800.955-0060 Pay by phone 1-800-436-79511 Outside US. cell collect 1490-350.7099 MASTERCARD ACCOUNT SUMMARY Account Number: 5592 SOee 1533 8497 ACCOUNT INQUIRIES Previous 9"24118 $1,476.80 Total Credit Line $6.000 Box 15298 Payment. Cre6b -$371.19 Available Credit DE $2.119 Wilrilm VYirgton DE 19850-52011 Purchass. Cash. Debits +31.746.00 Cash Across Line . 57.000 Finance Charges +5211.57 Available for Cash SIi114 PAYMENT ADDRESS New Balance 2.ee0. a P.O. Box 15153 WilmingtorL DE 19886-6153 VL91T US AT. wax. hem r,r. The promo rate expiration reflected on this statement is a reap o1 a late paymera made during the pronationaf rate period on your account. For your convenience. you can always pay online by ac®aaing our web" displayed on this statement PRFtia1FR t_ARH RFRATF P0I14T C11119MARY Previous Rebate Point Balance 6.991 Bonus Rabeta Palms 419 Base Rebate Points on all Purchases 1.382 Pron"oned Rebates 1.452 New Rebels Point Balance 10,244 1.443 Rebates to expire on statement dale in February 2009 Remember you earn one point for all your purchases plus an additional two points for conrnon bueineas purchases. Common business purchases include purchases made at gat stations. hardware stores, home enprevernerd storm office supply stores and restaurants. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Tlansaclion Description Credit Deb" 06/09 0544400716laS0001935136 GLENN MILLER BEER LEMOYNE PA $63.58 06109 25247807160011761524207 CINEMA CENTER AT CAMP CAMP HILL PA 17.00 06f09 55453707161666000227446 ADVANCE AUTO PARTS #12 MECHANICS BURG PA 37.76 06109 05410197161803160490343 AMOCO OIL 06054009 LEMOYNE PA 5.07 06110 5543286716100W000S9903 SUNOCO SVC STATION CAMP HILL PA 7.12 06/11 55547517162249419010198 OUIZNOS SUB fre902 MECHANICSBURG PA 8.25 06/11 55547517162240120010347 OUIZNO3 SUBS A51179 LEMOYNE PA 14.18 06/13 064101971646031647902011 AMOCOOIL 06054000 LEMOY14E PA 5.96 06/13 560206716400020106044 HCS'CREDITKEEPER x77-276-3019 VA g.95 06/13 554121167165900363370003 SUNOCO SVC STATION CAMP HILL PA 47.02 06/13 5502667165000363369989 SUNOCO SVC STATION CAMP HILL PA 5.13 06/15 5543425716720029030DOCS WEST COAST VIDEO LEMOYNE PA 17.55 06/14 5640"77186200436600051 SURGER KING 8554 007 CAMP HILLPA 6.24 06/16 054101971606a316711DOe7 AMOCOOIL 06954009 LEMOYNE PA 5.07 06/15 56308767167547566027572 SHELL OIL 57542535509 CAMP HILL PA 4.49 06!16 05410197168941311459051 RADIOSHACKCOR00120105 GIMP HILL PA 42.39 06/16 051404x7168710034295221 MCDONALD'S F7926 017 LEMOYNE PA 14.36 06/17 55547517169259160010102 UM-MART #94210 CAMP HILL PA 4.42 062155432867172000903339436 WWWA EWEGG.COM x00.390.1119 CA 47.20 0622 05140467174710036611111211 MCDONALD'S F7928 017 LEMOYNE PA 5.49 061270541o1g7T7979917eoso39a AMOCOOIL 06954747 LEMOYNE PA 45.57 0629 LATE FEE 39.00 0629 554328671x0000577500853 EXPEDIA'SERVICE FEES 800.367-3475 NY 5.00 06/28 554996771x0635000669053 JETBLUE ZHVMMO "005362583 CT 548.00 06/30 15121.371x2814290971754 PUMUS.COM ONLINE STOR OSO-764-1975 CA 10.00 05W 051404"7102710020562196 WEIS MARKETS 963 SHSHD CAMP HILL PA 4.54 05 8576649 0 3 S ' 0 9 02 83 017 A S x 7 ' 6/30 0 5 668 1 6 OMS 011 711 411 06954000 LEMOYNE PA AMOCOO 0 5. 07104 74068257185250307261515 TAJ MAHA111000 BOARDWALK ATLANTIC CITY NJ 304.00 07/04 74009257185250307261515 TRANSACTION FEE 10.00 07/03 55541867194004143491506 NJ E-ZPASS VIOLATIONS 973-368.1425 NJ 25.70 X0000001 FL&UM el 000 Y e 00 0r4410e 1q.t d2 M86 wa 1a1t2 1ee10000,010=81142 01 46 of 97 Openng(Cloalng Dae: 08/09/07- 071O&07 Account Number: 5582 5086 1533 8487 Page 2 of 2 8576649 TRANSACTIONS (CONTINUED) Trans Amount Dale Reference Number Merchant Name or Transaction Deseripson C TOM Debit 07102 56429797154120 IBM 102al JIFFY LU E 0420 MECHANICSBURG PA 47.58 07/08118918927415300a2200004 PAYMENT-THANKYOU 350.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 0487) $1.07455 INCLUDING PAYMENTS RECEIVED 06/06 55434257159508159821946 TOYS R US #M 15 CAMP HILL PA 21.19 0627 55431787179001353753377 USPS 4134070011 CAMP HILL PA 45.80 06,29 05410197180498174181359 SHEETZ 00003269 GETTYSBURG PA 15.15 0629 55434257181500151280720 TOYS R US $8315 CAMP HILL PA 85.03 0629 85502787181509093010087 MOUNTZ JEWELERS CAMP HILL PA 114.75 07/01 55541067183004075356309 MAURICES81909 GETTYSBURG PA 7012 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8495) $310.26 FINANCE CHARGES Finance Charge Daly Periodic Rate Corresp. Average Daly Due To Transaction Accurnulaled FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .02737% 9.00% $2.133.26 $17.52 $0.00 $0.00 $1752 Cash eWences V.06642% 24.24% $52.40 $1.05 $10.00 $0.00 $11.05 Total finance charges $20 57 Effective Annual Percentage Rate (API): 24.24% Please see nfoo nation About YourAccprt section for balance cornpufsion m ethmt grace period, and other tmpDrMM illormmion. The Corresponding APR Is tha rate of irterest you pay when you tarry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction tees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Did you levow you can access cash with your Chase Business Credit Csrd at ATMs worldwide? Simply cal ourActivaeon Line today at 1-0004403452. select your oun 4 digit PIN and you will have it riediste cash access. View up to 6 yeas of your statement history online. Get safe and easy access 10 your current statement You can even save your statements for oilne viewirng in PDF format. Mail www.ehase.comrbusineescards today to swnttn to paperless statements R oooomr Rssasasel 000 Y 0 m mXXOGS Pg202 osm W W ls30 1691000001000187.202 48 of 97 Statenielil tar aoeoaatt rAm*w: 5682 50861533 8487 New Balance Payment Due Date Past Due Amount Minimum Payment $4.199,01 X052=7 $0,00 $83 00 9eMaea. Amount Enclosed 'S ?Nwaddd drress Wit? Rini w back. 558250861533848700008300004199010000007 21262 eOr 9 ZWW C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CAROMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19886-5153 Ir..lil..rlilrr....l 1...11..1.1.1..1..1.1...11.1.1.1..1.1..61 t: 5000 160 281: 16986 i 5 3 38 48 79oa 8576649 Opening/Closing Dale: 07/ON107. 08105/07 CUSTOMERSERVICE SU61NESS CARD STATEMENT Paymam Due Date. Minimum Payment Due: 06126107 In U.S. 1-800-346-5536 $83.00 Espallol 1-808-795.0574 TDD 1-600.955.8050 Pay by phone 1.800.436-7958 Oulaide U.S. cell collecl 1.480.350-7099 ACCOUNT INQUIRIES MASTERCARD ACCOUNT SUMMARY Account Nunhbar: 5562 wee 1533 907 P.O. Box 15296 Previous Balance $2,880.18 Total Credit Line $5,090 Wilmlrgton, DE 19850-5298 Payment. Credits -$523.99 Available Credit $800 PAYMENT ADDRESS Purcasas, Cash, Debits .$1,836.35 Cash Access Line $1,000 P.O. Box 15153 Rnance Charges 46.46 Available tot bash $we Wilmington DE 195863153 New Balance $4,199.01 wm AT, VISIT PREMIER GASH RFRATF POINT SUMM ARY Previous Rebate Pam Bslsnce 10,244 Bonus Rebels Points 255 Baas Rebate Points on all Purchases 1,413 Promotlond Rebates 1,091 Rebels Eamin99 distributed this month 5,000 New Rebate Point Balance 8,005 1,991 Rebates to expire on statement dale in Juno 2009 Rsmombw you eam one Pont for all your purchases plus an additional two point for common business purchases. Common business purchases wiclude Purchases made at gas stadons, hardware stores, home improvement stores, office supply stores and restaurants. TRANSACTIONS Trans Amount Dale Reta¦ence Number Merchant Name or Transaction Description Credit Debit 07113 55432867194000768553810 HCS'CREDRKEEPER 877-276-3919 VA $aos 07121 55308767203547777043714 SHELL OIL 57542538509 CAMP HILL PA 7.42 0721 5530876720354777aO43713 SHELL OIL 57542538509 CAMP HILL PA 37.01 07125 12062062742225313900009 PAYMENT - THANK YOU 100.00 07126 05441007208911390093686 BJ WHOLESALE 00025 WOX HARRISBURG PA 468.90 0728 05444007210913729630074 BJ WHOLESALE 80025 WOX HARRISBURG PA 423.99 07IN 05410197200001011290926 TARGET 00012542 HARRISBURG PA 317.98 07/260541010720OW1011290942 TARGET 00012542 HARRISBURGPA 30.74 07/30 1S121a37212950207179935 PUMUS.COM ONLINE STOR 058.7541975 CA 10.00 08101 06410197214683213270244 AMOCOOIL 06055000 MECHANICSBURG PA 21.65 08/02 55420387215670320180769 UGI / NCO JACKSON MI 226.95 06/02 05410197215683214120462 AMOCOOIL 06064000 LEMOYNE PA 5.07 OW04 55432857217000742190716 HOLLYWOOD VIDEO MECHANICSBUNRG PA 11.10 05104 05444727217022105156756 CIRCUIT CRY SS 93720 MECHANICSBURG PA 74.17 OWW 05410197218683215230350 AMOCO OIL 06954009 LEMOYNE PA 5.07 08/06 05410197219611144 ("60373 AMOCO Os, 06954009 LEMOYNE PA 5.07 08106 25247807219013537078886 SUBWAY 026913 MECHANICSBURG PA 6.67 0SW 064101971206832/9530080 AMOCOOIL 059540M LEMOYNE PA 8.24 ALE KSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $722.09 INCLUDING PAYMENTS RECEIVED 07/11 05410197193116000118000 THE AVENUE 00007039 MECHANICSBURG PA 79.91 0726554835271OMM13236975 WMSUPERCENTER SE2MECHANICS8URGPA 31.57 072605410017208140005434943 WAL-MART#1886 SE2 MECHANICSBUR PA 52.88 0728 054101972107MOM40153 AMOCOOIL 02446079 SHERMANS DALE PA 16.23 0728 25247807210013243778930 MALECS PETS LEMOYNE PA 91.63 X 0000pl1 F1833335Ch 00o y e 06 07Aa06 Py.1 d2 asset MADA 21202 22MOOD0010e02121M CHASE O I......1.1....1111d..r111.1.1...11..111.1 42 Of 97 Opening/Closing Date: O7fOf107 - OBIOW07 Account Number: 5562 5066 1533 6467 Page 2 of 2 TRANSACTIONS (CONTINUED) Amount Trans Dag Relarence Number Marchand Name or Transaction Descaipion C M& Debit 0729 252471107211013266607668 MALECS PETS YN A 210.28 6065 0729 051404a7211710020339931 SUPERPETZ S327 MECHANICSBURG PA OM1 05410197214799213970078 AMOCO OIL 06954747 LEMOYNE PA 15,04 2140 Otllb2 051404417214040001611927 KARNS OUALITY FOOD SNO LEMOYNE PA 00/03 05444727216920521745925 CIRCUIT CITY SS $3720 MECHANICSBURG PA 10.69 RACHEL A MIQ.USH TRANSACTONS THIS CYCLE (CARD 8495) $590.28 FINANCE CHARGES Finance Charge Deily Periodic Role Cti esp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .00000% 0.00% $3.079.33 $0.00 $0.00 $0.00 $0.00 Cash advances V .06642% 24.24% $313.32 $6.46 $0.00 $0.00 $6.46 Total lirrence charges $6.46 Elective Annual Percentage Rats (APR): 24.24% Please see nformattan About Your Accoun sedion for bsence con relon metho4 grace periott and other irmponard Information. The Corresponding APR is he rate of interest you pay when you carry a balance on any transaction category. The Effac ve APR repressors your told finance dames - including transaction fees such as cash advance and balance tralsler fees - expressed as a percemage. View up to 6 years of you atmarnOM history aline. Gat seta and easy access to your current statement. You can even save your s er events lor offns viewing in PDF format. wdtwww.dsee.caNbusirweacerdatoday to switch to paperiew slatemeris. Did you know you can sass cash with ycw Chase Businas Credit Card at AThb worldwide? Simply cal our Activation Line today &1 1-000-297-4070. select your own 4 digit PIN and you will have immediate case access. 8576649 X 0000011 1493333SCI 000 v e a 0710e01 P&W202 050e MCA 21202 22aaM10002120202 44 of 97 St8temer$t for account number: 5692 50861533 8487 New Belanco Payment Due Date Pest Due Amount Minimum Payment $4,700.11 O9/20A7 $0.00 $94.00 Mske your c dck payable to Chase Card Se.vim> Artrount Enclosed ?JNm address or e-mw14 Print m back. 556250861533848700009400004700110000006 I...III ...I H......I I...II ..I.I.I..I..t.l...l I.t.l. 1..1.1..1.1 115na"9251wc ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17611-2421 CHASE O I...II 1.1..1..1.1..!..1 1...1.1....1 l.t.t...ll..i. i...l l,.li..i CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19 88 6-51 53 8576649 1:5000160 281: 1 698 6 1 5 3 38 48 791Ia OpenkhgfCloalng Dale: 08/09,07-09/06/07 CUSTOMER SERVICE , Payner8 Due Dale. ' ' ' 09AM7 M U.S. 1-800.346-SSW D 1R $ A1 297 NIIIIIIIIIIIIIESS Minimum Payment Due: $94.00 Espatbl 1-8867954574 TOD 1-804955-0060 Pay by phone 1-900-4367969 Outside U S. call collect 1490.350-7099 MASTERCARD ACCOUNT SUMMARY Account NureWr: 5682 50111111533 8497 Previous Balance $4.199.01 Total Credit Line ACCOUNT INOUI FOES $5.000 P.O. Box 15298 Payment. Credits 3150.00 Available Credit $299 Wdminglon. DE 19850-5299 Purchases. Cash, DaLils +$644.62 Cash Access line $1.000 Finance Charges .$6.48 Available for Cash $299 PAYMENT ADDRESS New Balance $4.70D.11 P.O. Box 15153 WilningtorL DE 199863153 VISIT US AT, PRFMIFR HASH RFRATC onRJT SlIMMIARY Previous Rebels Point 8elance 8.005 Bonus Rebats Points 216 Bane Rebate Points on all Purchases 645 Rebate Earnings distdbuled this mm1h 5.000 New Rebate Point Balance 3.066 244 Rebates to expire on statement date it July 2009 Remernbo you earn one point for all your purchases plus an ad6tbnal two points to common business purc asim Common business purchases Include purchases made at gas stations, hardware stoma home improvement stores, Office supply stores and restaurants. TRANSACTIONS Trans Amount Date Reference hU mber Merchant Name or Transaction, Description Credit Debit 06/07 85454917219900017608337 GRADY-FERRY PC CAMP HILL PA $195.00 06113 55432867225000366935461 HS13C'CREDITKEEPER 877.2763919 VA 9.95 OB/1S 55541667228004039397963 ES GAMES 04061 CAMP HILL PA 52.99 08/16 06410197229683228380254 AMOCOOIL 05954009 LEMOYNE PA 5.07 06/16 554BO72722020693MOOlOS RRA'S ITALIAN ICE ON LEMOYNE PA 5.68 08115 55308767228547792031778 SHELL OIL 57542539509 CAMP HILL PA 4.48 08/17 061404872307140037766610 MCDONALD'S F7928 017 LEMOYNE PA 11.00 08118 85500397231400001660033 TWO COUSINS PIZZA AND CAMP HILL PA 21-10 08124 123623627431904e720DO03 PAYMENT -THANK YOU 150.00 08130 1512183720.7964223523201 PUMUS.00M ONLINE STOR 856-764-1975 CA 10.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $16627 INCLUDING PAYMENTS RECEIVED 0620 55499877233288.703000443 BURGER KING 9617 007 LEMOYNE PA 17.55 0826 05140407230040001742567 WARNS OUALFTY FOOD SNO LEMOYNE PA 106.27 ON26 55499677239601642206902 FATE AID STORE 1074 LEMOYNE PA 26.72 0028 55490677239601642468900 RITE AID STORE 1074 LEMOYNE PA 122.88 08/27 S.S44641724D20716440DSD7 FIESTA MEXICO HARRISBURG PA 42.12 08!30 05140487242040001669020 KARNS OUALITY FOOD SNO LEMOYNE PA 12.81 RACHELA MIKLUSH TRANBACTIONSTH6S CYCLE (CARD 8495) $328.35 R 0000000 Fn13335 C1 wo y 9 Do 0710010! P.0at d2 050M WDA 415" 251K0DOMOW6157T01 38 of 97 openinglaosfng DOW. 06/01)/07 - 01)(08/07 Account Number: 5582 5086 1533 6467 Page2 of 2 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daly Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .00000% 0.00% $4.256.90 $0.00 $0.00 $0.00 $0.00 Cash advances V .066417. 24.2411. $314.53 $6.48 $0.00 $0.00 $640 Total finance charges $6.46 Effective Annual Percentage Rate (APR): 8/24% Please see nlormation About Your Account section for balance computation matho(t grace period. and other important information. . The Corresponding APR is he rate of interest you pay when you carry a balance on arty transaction category The Effective APR represerds your told finance charges- Including lransaaion fees such as cash advance and balance transfer fees - eVressed as a percentage. IMPORTANT NEWS Your 2007.2008 Privacy Nollicalion is enclosed for your record. Its easy to pay your common business aVwses automatically with your chase Business Card. Srnpy visit www.dvmmblmwager.com today or check your billing invoices 10 sae it your vendors oiler auto bill pay. Free quarlariy, online management reports. Free e-mail or phons account alerts. No fee ordine payments and much more. Lel your Chase Business Card work for you Visit Lis today at vrww.rhme.cOrWWsinasscerds and sign tip for tree on ins account access. 8676649 R ODDOM Ra81 01 001) v 2 OR aeaa'm PW202 Oda r.1A0A 1151( ziolo)0001O0041SM2 40 of 97 Statement for aeeouni moftber: 5682 5m i5m aw CHASE O New Balance Psyment Due Date Pest Due Amour M6nimum Payment $754.04 lGrNIM7 $0.00 $1500 A I?'?'?I MalreY6or Meek payable to phn.s Caro 9e7vloea. mount Enclosed -ly JNaw addrvss a eamil? Pent m lark. 558250861533848700001500000764040000005 Mr. sett s MwC I...Iil.l..i..I.I..1..11...I.I....11.1.1...11..1.1...11..11..1 ALEKSANDRA MRKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 1988(5-5153 1-111...Illuun16 .1Iu1.i.[A1.1.1...IL1.LL.LL.Id 1:5000L60281: L698616533841379aa OpennyClosing Dane: 09/09817-10/08/07 CUSTOMER SERVICE Payrnera Due Date: 1028)07 in U.S. 1.800-346-5538 6UE11?E8 CARD STATEMENT Minimum Payment Due: $15.00 Espanol 1.688.795-0574 TOD 1.800.955-8060 Pay ty phone 1-600436-7958 Outside U.S. cell collect 1-480-350-7099 MASTERCARD ACCOUNT SUMMARY Account Number : 5682 Soae 1533 8487 - ACCOUNT INQUIRIES Previous Balance - $4,700.11 Total Credit Line $6.000 P.O. Box 15298 Payment Credits 54.709.00 Available Credit $5.236 Walmingtort DE 198545298 Purchases, Cash. Debits +3768.73 Cash Access Une $1.200 Finance Charges x34.20 Available W Cash $1,165 PAYMENT ADDRESS New Balance 764.04 P.O. Box 15153 Wilmington, DE 19866-5153 VISIT US AT. wwwchasem -sirwneards Your credit tine has been increased. Take advantage of you enhanced spending power to make purchases and transfer baleneas today. PREMIER CASH PFRATF POINT SI IYUARY Previous Rebels Palm Balance 3.866 Bonus Rebate Points 163 Base Rebels Palms on all Purchases 730 New Rebate Point Balance 4,759 244 Rebates 10 expire on statement date in July 2009 Remember you cam one point form your purchases plus an additional two points for cowman business purdasen. Common business purchases include purchases made at gas stations. hardware stores. home improvement stores. office supply stores and restaurants. TRANSACTIONS Travis Amount Dee Reference Number Marrham Name or Transaction Description Credit DOW 09/13 55432867256000099057460 HS8CCREDTTKEEPER a77-276-3919 VA $9.95 09120 OVERUMIT FEE 39.00 oe/YJ 7426sa5267331000009al34 Ovarlimit Fee Revwsal DE 39.00 092712702704400000001218899 PAYMENT-THANK YOU 4,200.00 09/28 12712712744402162600004 PAYMENT - THANK YOU 470.00 09!30 15121837274946239880828 PUMUS.COM ONLINE STOR 058.764-1975 CA 10.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $.4.650.05 INCLUD ING PAYMENTS RECEIVED 09117 55488727281286200900167 GOOD HOPE FAMILY PRACT SOUTH ENOLA PA 10.0D 09/19 06410197262416030717290 PEARLE VISION 01062795 CAMP HILL PA 404.90 09/19 05140497262720026648126 MCDONALDS F792a 017 LEMOYNE PA 13.75 00/19 05410107262641493219288 RADKOSHACK CORD0120105 CAMP HILL PA 42.38 09/19 55417347263642631291595 UT MICHAEL KTRAN OD CAMP HILL PA 70.00 09/21 064440072659E0138823498 WEGMANS 045 SEl MECHANICSBURG PA 21.48 10107 05410197281663200740291 AMOCO OIL 06954009 LEMOYNE PA 8.71 10107 051404a72W720024623691 MCDONAID'S F7928 017 LEMOYNE PA 9.52 10/ 07064101972816MB07W14 AMOCOOIL 06954009 LEMOYNE PA 12.84 10106 064101972W x3279690029 AMOCOOIL 06964009 LEMOYNE PA 755 1 OM 36466677290307925670072 ZEIDERELLIS LEMOYNE PA 28.65 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8495) $709.78 8576649 X 060082 F123333 5C 1 we Y 9 os WN0006 PM. t d2 ONO MA DA 23174 26110000a00023374a 34 of 97 Openr*Voalng Dole. 08/00/07 - 10106!07 Aoeoual Nunbw: 5562 5056 1533 8467 Page 2 of 2 FINANCE CHARGES Finance Charge Daily Periodic Real Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days n cycle APR Balance Periodic Rate Fall Fn Charge CHARGES Purchases .000DO% 0.00% $2.635.44 $0.00 $0.00 $0.00 $0.00 Cash advances V.06504% 23.741/6 $215.00 $4.20 $0.00 WOO S4 20 Total finance charges $4.20 EHealve Annual Percentage Rate (APR): 2174% Please see hfonrotian About Your Ad»ud sedron tot balance conpMelion method, grace period. and other important intormalion. The Corresponding APR Is the rate al imeresl you pay when you carry a balance on arty transaction category. The Elective APR represems your lotal Tnanca charges - induding Yansaction fees well as cash advance and balance transfer tees - expressed as a percentage. Did you wtow you can access cash with your Chase Business Credit Card al ATMs worldwide? Sinpy cal our Activation line today at 14!00-0403452, selea your own 4 digit P IN and you all have immediate cash access. Fees may apply. View Up 10 6 years 01 your stalertrent history online. Gal safe and easy access 10 your anent statement You can even save your slebnrems lDr oti6ne viawng in PDF fontud. Vatlwwlexhass.ccrNbrreineescards today to switch 10 paperless stalerrbrns. 8576649 X 00008-02 R83=5Ch wo v 9 d Oenerue Pge2d2 05MG a CA 23V4 2j+t000DMO0®7v0Q 36 of 97 State1118M for a9Wta61 member: 5582 SO IS= SW CHASE O New Balenee Psyment Dua Date Pest Du9Amoura Writ urn Payment $1,82468 1128/07 $0.00 $3600 IYM Year check peysble.lo Che9e Cad 9ent9es. Amount Enclosed ?Naw W M9s a amrl? Pnn m beck. 556250861533848700003600001824680000004 24SMOM 9 31207 C '•I."'11.•'•?. ?•.?.1??•••?•?...1??.?•?1u ??•.?.?•..??..??.. ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 RICHLAND LN APT 208 PO BOA 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19866-5153 t:5000160281: L698615338487911- OpeningR7osing Date: 1009/07- 1 V08/07 CUSTOMER SERVICE Payment Due Dote: 1128!07 In U.S. 1.800346.5538 611a11$FSS CARD BTATEIMEMT hlNmum Perris nt Due: $36.00 Eap.W 1-888-795-0574 TDD 1.600-955.8060 Pay by phone 1-900-436-7958 Outside U.S. call collect 1-480.350-7099 MCARD AOCOUNT SUMMARY Account Nu-: 5682 50961533 9497 MAST AOCOUNT INQUIRIES Previous Balance $764.04 Total Credo Line $6.000 P.O. Box 15298 Paymem, Credits -$87.78 Available Credd $4.175 VAlminglon, DE 198505299 Purchases. Cash, DeWs, .$1,147.42 Cash Access Liu Finance Charges 41.00 Available for Cast $1.200 $1,164 PAYMENT ADDRESS New Balance $1.824.68 P.O. Box n. DE WilntingloR DE 198863153 VISIT US AT, www chase,mVcusiresacrds M Previous Rebels Point BsYy? _ _ ARY - 4.759 Bonus Rebate Points 356 Base Rebafs Points on all Purd+sses 1,148 Prontlolionel Rebates 0 Now Rebels Point Balance 6.263 Renlanbr you tam one pointor all your purchases plus an addtions two points fa ommn Mainm purdnaw. Common buainees purchases include purchases neds of gas atetiwe, hardware saes, home improvement 510rea, office supply sores and reelaurnla. To AaCA[ _TIf111LC Trans CredA n.wn•Dedt Dote Relarenee Numbs Marchand Name or Transaction Deectipbon 10115 554328672.8000957642249 HSBCCREDITKEEPER 877.2763919 VA W» IW29 1302302270DO0458MOS470 Psyment-Thw* You 87.78 10 00 10130 15121837304063255615393 PUMUS.COM ONLINE STOR 858-764.1975 CA . ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 6487) $-67.83 INC- 1NG PAYMENTS RECEIVED - Iome o541019728149a538436736 SHEETZ 00002014 MECHANICSURG PA 15.01 87 8 100e 554996772a220731i2400302 BURGER KING #11593 007 MECH ANICSBURG PA . 115 99 JIM 064440072820106807111137 WEGMANS 046 SE7 MECWINICSBURG PA . 14 48 10110 054101072849453191x0056 ARM #6902 00069052 GETTYSBURG PA . 1011 56417347286122860128087 DOMINOS PIZZA 04767 MECHAN SSURG PA 23.39 36 87 1011105414007285014473469075 WEGMANS 04S SE1 MECHANICSBURG PA . 29 25 1015 56417347269122890105479 DOMINOS PIM 04767 MECHANICSBURG PA . 20 12 1015 064525272M0197W523973 KMK FILL259 086 MECHNNICSBURG PA . 54 9 1018 06140487291040001572844 KARNS QUALITY FOOD SNO MECHANICSBURG PA . 211 41 1018 55541867291004016160065 COMCAS7 CENTRAL PA xg04OMCAST DE . 41 80 101a 06444007202023416100764 WEGMANS #45 SE1 MECHANICSBURG PA . 11 58 1018 11641019729252531"33996 TACO BELL #05600056065 LEMOYNE PA . 66 92 102005444007294026203898792 WEGMANS 045 SEI MECWINCSBURG PA . 75 158 1022 2&4111 77m2960324S0408 OLD NAVY 05348 CAMP HILL PA . $ 87 1 012 3 06 41 01 9 72 076 832 9 603 0 19 2 AMOCO OIL 06954009 LELIOYNE PA . 00 150 IW240641019729803545672aM/ LANE BRYANT 00046674 MECHANICSSURG PA . 10/31 06410197306525033080595 TACO BELL #05600056066 LEMOYNE PA 12.16 19 8 11102 SS4328673050006MO60711 GIANT FOOD #260 CAMP HILL PA . 54 80 TIM 0541019730002214037217 BOSCOVS ONW125 CAMP HILL PA . 71 80 1 IM 0541019731092x'610474218 PAYLESSSHOES0000063537 CAMP HILL PA . 21 59 11107 55489727312286129800217 DOMINO'S PIZZA 404861 LEMOYNE PA . 40 19 11/06 0541019731160331019DO73 AMOCOOIL o69540M LEMOYNE PA . RACHEL A MIKLUSH 8576649 TRANSACTIONS THOS CYCLE (CARD 6495) $1.127.47 X 0000029 fWasi acI 000 Y 9 08 an1Ae P.0&/ d2 mete MCA 2.151" 31214000010002452401 30 of 97 FINANCE CHARGES Dpy Periodic Rate Coneep. Average Daly Financechaps Due To Transaction Acm-u d FINANCE CHARGES Category 31 days it cycle APR Balance Periodc Rate Fee Fin Charge Purchases 00000% 0.00% $0.00 $0.00 WOO S000 $0.00 00 $0 $0.00 $1.00 Cash advances V.06436% 23.49% $34.64 $1.00 . _ $1.00 ENeclive Annwt Percentage Rate (APR); 493% Please see Information About Your Account section for balance comp Aelian method. grace perio4 aid other important information. The Corresponding APR is ne rate of interval you pay when you carry a balance on any transaction category. The Elleclive APR represents your lost Tnatce charges - inciWdng tensaction fees such as cash advance and balance trawler tees - expressed as a percentage. IMPORTANT NEWS We easy to pay your common business expenses anomatcety wtm yotr Chase Business Card. Simply Watt wwa.dhesebllma ager.corn Way or check your biting invoices to sae r yotr vendors oiler auto till pay. Free quart" online manegamem reports. Free e-matl or phone account alert. No Us OrAna payments and much more. Let your Chase Btaneas Cad work err you. VIM us today at www.cltme.caMbuainesecads and sign up for tee online account access. 8576649 X OWDO a RS3=SCt WO Y 0 os amine Pye:ex ON" WM W810 arasoconaoasaeoz 32 of 97 Statement for accourM manbor: 5582 50851533 8,1187 New Balance Payrnem Due Date Past Due Amount Minimum Payment $473.00 122807 $0.00 $10.00 Mob. year cheek payable Chase Curd 9krvlees. Artalnt Enclosed $ M. address or iii-mair lePrint m t C eJl. 558250861533848700001000000473000000007 wl wEXZU"c ALEKSANDR A MIKLUSH ACCONT BUSINESS U 28 RICHIIW D LN APT 208 CAMP HILL PA 17011-2421 45000L60281: L69&6L53381.879ae Openinp/doainp Dale: 11!0907. 72!06/07 CUSTOMER SERVICE BU82NfEa CARD ETATFJNEMT Peptlsnt Due Dale' Minimum Payment Due: 11226107 In U.S. 1-600-346-5536 $10.00 E6pellol t-666795-0674 TDD 1-800.955-Bow Pay by phone 1-800-436-7958 Outside U.S. cell collect 1-406350-7099 MASTERCARD ACCOUNT SUMMARY Account Number: 5682 50651533 6497 A INQUIRIES Previous Balance $1,624.66 Total Credit Line $6,000 P.O. Box 15298 Pot Payment Credits -$2,485.29 Available Credil $5,527 Wilrilmirh plon DE 19850-5298 Purchases, Cash, Debits .51,132.61 Cash Access Un o , $1.200 Finance Charges -$1.00 Available for Cash $1,199 PAYMENT ADDRESS New Balance 73.00 P.O. Boa 15153 Wilmington, DE 10886.5153 VISIT US AT., wsa..chse.eon t -senores PREMIER CASH REBATE POINT SUMM ARY Previous Rebate Point Balance 6,263 Bonus Rebels points 696 Baas Robust Points on all Purchases 1,090 Promotional Rebates 0 Courtesy ABOalmorts 0 Now Rebate Point Balance 3,057 Remember you cam one point for no your purchases plus an additional two points for mrirn in hhnineae plrchalea- Common bu sinses purchases inlduda pun9lsses made at pas Bastions, hardware stores. home imp10Yenhenl stores, office supply scree and restaurants. TRANSACTIONS Trans Amount Date Relerelhce Number Merchant Name or Transaction Description Credit Debit I......1.1.... 1111.1...11.11...IIA1.11 CHASE 0 CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19896.5153 11113 55432867317000784308092 11/15 55431707320001354437713 .IS 05140487319720020403963 11115 05410197320683319920073 11116 05410197320683320560199 11/16 05410197321603320050141 11/16 25247807321016680503529 1123 05410107328295274751740 1125 55308767330547341021234 11/26 15121837331574260620714 1126 15121037331575268622220 1126 15121837331576258622327 1128 13323322700004652247788 11/20 56408727333286128800147 1127 25247807332016078257502 1128 25247907333017004909968 1128 55199877333601228142502 121101654454173362a691160015S 11130 05410197335835312007228 12/02 55488727337288128200096 12103 0514D407397040001511970 12103 25247807338017157455937 12103 6543/547336980001893276 12/D4 05410197339255342194866 12/05 56446417340206911000053 lAD4 S641641273929N11900321 I" 04632573402062MOSM 12104 05410197339683330390380 12/05 054101973407149339770128 17054/ 0/97340683339770132 8576649 HSBCCREDrTKEEPER 877476-3919 VA LISPS 4134870011 CAMP HILL PA MCDONALD'S 1`7928 017 LEMOYNE PA AMOCO OIL 05954009 LEMOYNE PA AMOCOOIL 06055009 MECHANI SBLJRG PA AMOCO OIL 060540M LEMOYNE PA SUBWAY 426013 MECHANICSBURG. PA BEST BUY 00005001 BROOKLYN NY SHELL OIL 27542142008 NEW YORK NY PUMUS.COM ONLINE STOR 8567641975 CA PUMUS.COM ONLINE STOR 056754-1075 CA PUMUS.COM ONLINE STOR 8567641875 CA Payment - Thank You DOMINO'S PIZZ/1 OD4061 LEMOYNE PA SUBWAY 026913 MECHANICSBURG PA SUBWAY 026913 MECiIINICSBl1RG PA RITE AID STORE 1074 LEMOYNE PA NEW 2ND WOK HARRISBURG PA PIZZA HUT 023094430034 CAMP HILL PA DOMINO'S PIZZA 004951 LEMOYNE PA K01ANS OUAUTY FOOD SNO LEMOYNE PA SUBWAY 826913 MECHANICSBURG PA OF - PT CAMP HILL PA SUBWAY 26913 00269016 MECHANI SBURG PA NEW 2ND WOK HARRISBURG PA NEW 2ND WOK HARRISBURG PA HA001ON-LINE TUITION 7177802300 PA AMOCOOIL 05954000 LEMOYNE PA AMOCO OIL 06056529 MECHANICSSUR0 PA AMOCOOIL 06955000 MECHAMCSBURG PA BUSINESS PAYMENT PROTECTOR 1-866-707-8748 $9.95 10.24 8.34 10.41 5.20 12.13 6.67 177.31 29.39 10.00 10.00 10.00 2.455.29 20.65 6.67 6.67 89.92 19.66 20.10 23.03 17.70 6.35 160.00 6.96 17.80 1SA0 35.00 5.12 36.00 10.39 4.16 This Statement Is a Facsimile - Not an odgt„al )(0000017 F533336 C1 000 N Z 06 Ora2101 Paget d4 05006 MCA W16 mit0000010006 ion 24 of 97 OpenngrClosng Date. 11/09/07- 12ION07 Accoura Nunbar: 5582 5035 1533 OQ7 Page 2 of 4 8576649 TRANSACTIONS (CONTINUED) Trans Amour Da* Reference Number Merchant Name or Transaction Deacnplion Credit Debi) ALEKSANUHAMIKUJISH TRANSACTIONS THIS CYCLE (CARD 8487) 8-1,713.65 INCLUDING PAYMENTS RECEIVED l l/07 65499677312691093822606 RITE AID STORE 1074 LEMOYNE PA 4.50 11)0825247W7313016443144247 SUBWAY 1'28913 MECHANICSBURG PA 6.57 11/08 05410197313683312340335 AMOCO OIL 06954009 LEMOYNE PA 10,24 11/10 55499677315691111935105. - RITE AID STORE1074 LEMOYNE PA 21.98 11/10 55499677315691111957000 RITE AID STORE 1074 LEMOYNE PA 13.9a 11/10 05441007315053515474424 WEGMANS 445 SE1 MECHANICSBURG PA 200.59 11/09 06410197314683313460074 AMOCOOIL 0604009 LEMOYNE PA 10.41 lln505410197320525312472646 TACO BELL 005600055065 LEMOYNE PA 19.67 11/16 95456677320307925670330 ZEIDERELLIS LEMOYNE PA 33.16 11/16 55499677321691150293095 RITE AID STORE 1074 LEMOYNE PA 39.77 RACHEL A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8495) $360.97 FINANCE CHARGES Finance Charge Daily Periodic Rale Coveep. Average Daly Due To Transaction AcaarlVated FINANCE Category 30 days in cycle APR Balance Periodic Rale Fee Fn Charge CHARD EB Purchases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash a&ances V.05436% 23.48% $22.65 $1.00 30.00 $0.00 $1.00 Total lirmnce charges $1.00 E1Nalw Annual Pei n1age Rata (APR): 1.03% Please see Inlormaaon Abma Your Account section for balance canputatan ne9ed. grace period. and other imporlant nt0rmation The CwegmnOhg APR Is Ina rate of merest you pay when you tarty a balance on ary transaction category. The Etlacthe APR represents your lolal lnance charges - indudirg trwandion fees such as cash advance and balance Vanater fees - expressed as a percentage. This Statement Is a Facsimile - Not an odgk»I X 0000017 RS Cl 000 N Z 00 Oh206 Piga2d. 0el4 MM 61416 341100000100011N1802 26 of 97 Statement for account number: 5502 50961533 6067 New Balance Payment Due Dote Past Due Amount Mni n+m Payment $2.S2247 0128108 $0.00 $50.00 Makeywr duock ywyahle to CMaa Care 9srNosa Amoral Enclosed iJaer Wdrvss a a-mrl? Prurx m Dock. 5582508L1533848700005000002522470000005 . ffl SEX 2Wee ALE KSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 1,..IIL,.IIL,....Il..,tl„11.1.,1„1,1,,.1111 L,L L.LI 8576649 i:5000i6028r: L69861,5338487911- OponingAClosing Data. 12/09107 - 01108!06 CUSTOMER SERVICE Payrrem Due Date: 012WW In U.S. 1-500-346-SSW BUSINESS CARD STATEMENT Minimum Payment Drs: $5000 Espanol 1-886.795-0574 TOD 1-000-955.8060 Pay by phone 1-800.436-7956 Outside U.S. can coNset 1-060-350.7099 ERCARD ACCOUNT SUMMARY Account Muralist: 5582 50861533 9467 MAST ACCOUNT INQUIRIES Previous Balance $473.00 Total Credit Una $6.000 P.O. Box 15296 Payment. Credit •$100.00 Available Credit $3.477 Whlminglom DE 198555298 Purchases, Cash. Delfts .$2.149.47 Cash Access Una $1,200 47 Available for Caah 522 $2 $1,199 PAYMENT ADDRESS . . New Balance P.O. Box 15153 Wilmington, DE 196863153 VtW U9 AT,. PREMIER MATE POINT SlJMUARY Previous Rabble Point Balance 3.057 Bonua Rebate Points 313 Base Rebels Points on all Purchases 2.128 Rebels Earrings forfeited this monri 0 New Reba! Point Balance 5.498 1263 Rebates to expire on sistemem data in November 2009 Remember you earn one point for all your purchases plus an additional Iwo points fa oormuorn business purchases. Comnwn bu Wrms purdlnos include purchases made at gas atafions, hardware stores. home improvemem stores, oilirs KVPly stores and reslerranis. TP w ucw r•rrnsls 12106 05410197341683340840196 AMOCOOIL 06955009 MECHANCSBURG PA $5.95 4 55 121M 05410197341255343525262 SUBWAY 26913 00269016 MECHANICSBURG PA . 19 00 1 2106 0641 01 a7 3 41 83 53 1 16o91i94 Pam HUT 323084430034 CAMP HILL PA . 6 46 12108 05140487342720029417614 MCDONALDV F7928 017 LEMOYNE PA . 46 20 12108 05410197343799342720059 AMOCOOIL 06954747 LEMOYNE PA . 15 53 12/07 06410197342683341660089 AMOCOOIL 06954009 LEMOYNE PA . 7 05 12!09 05410197344603343770223 AMOCO OIL 060540M LEMOYNE PA . 55 7 12108 05410197343603342720089 AMOCOOIL 06954009 LEMOYNE PA . 239 10 12M 05410197343001008097422 TARGET 00022020 MECHANICSBURG PA . 995 12/13 55432867347000475493405 HSBC'CREDITKEEPER 8 774 76-3 91 9 VA 39 88 12125 554464173592869110WO93 NEW 2ND WOK HARRISBURG PA . 00 100 1212613623522700004799079377 Payment- Thenit You . 00 1 602 01104 564632SWO6286220201610 HACCaON-UNE TUrrION 7177802300 PA , . 09 29 01104 55420368006670393704250 EVGA.COM CORP. BREA CA . 26 22 01106 BUSINESS PAYMENT PROTECTOR 1-066-707-0748 . ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $2,049.47 INCLUDING PAYMENTS RECEIVED nmluurs Trans Credit Debit Data Reference Number Merchant Name or Transaction Deeaiption This Statement Is a Facsimile - Not an odgkal X 000mos F833MC1 0110 N Z 06 am= Pir104 05M WCA4 OOMe0000fe0M0Mq CHASE O Ir,rlll,1.rl..1.l..l..I1...I.I....IIII.I...Il..I.Irr,ILAIA 18 of 97 Opening oositg Dale. 1 N09107 - 01/00/06 Account Number. 5562 5066 1533 6467 Page 2 014 FINANCE CHARGES Finance Charge Daily Periodic Ride Comesp. Average Daiy Due To Transaction Accumulated Fee Fn Charge FINANCE CHARGES Category 31 days in cycle APR Balanas Periodic Rate 00 $0.00 $0.00 $0 So 00 . Pumhaeeo .000OO% 0.0076 $0.00 24% WOO $0.00 $0.00 $0.00 _ 06367% 23 V $0.00 . , Cash edvsncee $o.oo Total finance Charges Erieaihne Ann=[ Parcerntage Be* (APR). 0.00'X. clion for balance cOr puaiun method, grace pemod. and other impormm rdormation. t se Please see niormslion About Your Accoun The Corresponding APR is the rate of interact you pay when you carry a balance on art/ trenteailon category. The Effective APR represents your laid finance charges - Including transaction tees such as cash advance and balance trarefer fees - expressed as a percentage. Save time on employee reimbursements. Improve e,gMee IreesMg. Maimsin control with individual spending limits, Call the number on to back of you card today to requeel additional employee dada and lane ail advantage of your Chase Business Cad account. vMW up to 6 yeas ai you statarnem history chance. Gel safe and easy access to your Ctrtam stalemate. You can even arm your statements for otlns viewing in PDF lomel. Malt www.rlen.COrmitu inmscards today to switch to paperless slal~a. 8576649 This Statement is a Facslmlie - Not an original X saosoe R931135CI as N z a Gamma Pgefaa 0506 din Oa rOten woloo0ahaowGfOS 20 O}97 Statelltent for accowR number 5582 50861533 8487 New Balance Payment Due Date Past Due Amount Minimum Payment $2.45233 02/28478 $0,00 woo ? M.ks.er d..Ck pryaWe to INS C.re 9eMma. Amount Enclosed ly . =syddnea Q>mrl? Pnr? mCUeck. 558250861533848700004900002452330000000 n 41 eEx z mace C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 29 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 L..IIL..IIL.....IL..ILrLIJ.rI,.IJ.r.Ii.LIJ.ddr rt.l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:500? L6? 2131: L69136 1 5 3 381.879u' OpeningtClosin9 Dale: 01/09106 - 02!08/08 CUSTOMER SERVICE P6? Due Dale. 0226/08 In U.S. 1-800-3463536 aUa111RES CARD STA7 61/ENT Minimum Payment Due. $49.00 Esp.,Iol 1-888-765-0574 TOO 1.800.955x080 Pay by phone 1.600-436-7956 Outside U.S. call collect 1480350-7099 ARD ACCOUNT SUMMARY Aeem of Number: S82 6088 1 533 8497 MASTERC ACCOUNT INCIUROES Previous Balance 52.522.47 Total Credit Line $6.000 P.O. Box 15208 Payment. Credits -$500.00 Available Credit $3.547 Wilminglon, DE 198505298 Cash. Debils 44400.7D Cash Access Una Purdhssas $1.200 , Finance Charges .$21.16 Avail" lot Cads $1.198 PAYMENT ADDRESS New Balance $2452.33 P.O. Box 15153 Wilmington. DE 198863153 VISIT US AT: 8576649 enrl.rr cr muwRV PREMIIFR CASH Previous Rebele Point Bslerce? 5.498 Bonus Rebels Points 490 Base Rebate Points on all Purchases 388 Rebate Earrings distributed this rmntt 5.000 Rebate Earnings torlened file month 0 New Rebels Point Balance 1.376 498 Rebates 10 expire on statement date if January 2010 Remember you aem one point for all your Pvdtases pkrs an additional two points for common business purchases. Common budnees purchases include purchaws made at gee elation- hardware Stores. home improvement sloreS. office Supply stores and restaurants. TRANSACTIONS Trans Date Reference Number Merchant Name orTransaction Desaiplion Amount Credit Debit 01N0 55488728000266310500043 GOOD HOPE FAMILY PRACT SOUTH ENOLA PA $10.00 12 17 .1/11 05410198012693011150228 AMOCOOIL osa54000 LEMOYNE PA . 12 67 01/12 06410190013683012220193 AMOCOOIL 06954009 LEMOYNE PA . 9 85 01114 55432069014000040750917 HSBCICREDTTKEEPER 877-276-3919 VA . 25 70 0 1114 665418 680 14OD409MZ4660 NJ E-ZPASS VIOLATIONS 073.368.1425 NJ . 8 35 01/14 05410188015255362071365 SUBWAY 26913 00269016 MECHANICSBURG PA . 50 10 01115 05410196016683015110190 AMOCOOIL 06055009 MECHAMCSBURG PA . 4 23 01/15 05410190016255362722339 SUBWAY 25913 00269016 MECHANICSBURG PA . 14 00 01115 5554750901625320DOID432 ISAACS DELI x09 MECHANICSBURG PA . 1218 01117 56547518017249169010336 OUIZNOS SUBS 85179 LEMOYNE PA 14 00 OU17 55547500017253210010569 ISAACS DELI 600 MECHANICSBURG PA . 1125 OU18 06410199019683016310257 AMOCOOIL 06855009 MECHANCSBURG PA 81 3 01118 051404060111720019147650 MCOONALDS FISTW 017 MECH NICSBURG PA . 33 35 01119 05410106020953310803427 PERKINS 82390 00123902 LEMOYNE PA . 99 5 0U19 554996711020691616101361 RITE AID STORE 1074 LEMOYNE PA . 500 00 01/24102402427000040OW07005 Payment -Thank You . 24 4 0122 85182536023900010000229 BROTHERS PIZZA ITALIAN MECHANICSBURG PA . 6 80 0123 05410199024255367256209 SUBWAY 26913 00260016 MECHANICSBURG PA . 60 5 01M 95/82538025900011000314 BROTHERS PIZZA ITALIAN MECHANICSBURG PA . 7 05 0126 05410199027603026290179 AMOCOOIL 06x54000 LEMOYNE PA - . 5 50 0125 064101OWN255360545402 SUBWAY 26913 00260016 MEC:HANICSBURG PA . 28 45 0127 05410198026953310569606 PERKINS 02390 09123002 LEMOYNE PA . 46 21 0128 55499678MOOl691752936 RITE AID STORE 1074 LEMOYNE PA . 6 86 012a 06110199029255370043871 SUBWAY 25913 00260016 MECHANICSBURG PA . 77 50 01130 054101 x8030233129063390 MONRO MUFFLER 00001990 LEMOYNE PA . 60 10 0113105410196032603031090410 AMOCOOIL 069%( 9MECHANICS11LAW9f$` . 914 01130 05410196031255371352335 SUBWAY 26913 00260015 MECHANICSBURG PA 13 00 02/01 55547500033253241010422 ISAACS DELI 009 MECtANICSBURG PA . 15 39 02102 55499679034691716179117 RITE AID STORE 1074 LEMOYNE PA . 41 10 02106 0541010WMW3037150319 AMOCOOL 06954008 LEMOYNE PA . 424 02/06 95192639036900012100266 BROTHERS PIZZA ITALIAN MECHANICSBURG PA 64 21 02/08 BUSINESS PAYMENT PROTECTOR fd86 707-0748 . This Statement Is a Facsknile - Not an orlgimi X acroml F1331105CI ms N 2 of. o2A1" Pq.1 e2 COMES Mewu 4741 osatoxeQ,* or7l4/n CHASE O 1..,111.1.,1,.1, I..I..11...I.1...,tl.l.l.„11..1.1...11..11..1 14 of 97 Openng0osing Dale. 01A0aPo8 - 02108M ASOWd NUnper; SM 5035 1533 507 Page 2 01 2 TRANSAi_TIONS Anhount Trans Crodit Debit Date Reference Number Merchant Name or Transection,Dascripion TRANSACTIONS THIS CYCLE (CARO 948711 $-91.30 'NCLUOING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulaled FINANCE Calegory 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .02737% 9.99% $2.491.63 $21.14 $0.00 $0.00 521.14 Cash advances V.05025% 21.99% $1.00 $0.02 $0.00 50.90 $0.02 Total finance charges $21.16 Effective Annual Percerdage Rate (APR): 111118% Please a" nfornation About Your Account section for balance cornputalion method. grace period and other ivportorif information. The Corresponding APR is rie rate of Interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction tees such as can advance and balance transfer fees - onxessed as a percentage. Your Chase Businese Card provides a eawtrntav & sactxe way to pay your ouaterty Federal Business Taxes Will a low 2.40% convenience lee. Plus. You can earn rewards an tax perverts and manage your cash tow by choosing to pay over live. Visit us al www.chasapayyorrtaaee.comlbizlm today. Free quarterly, anine vanagernara reports. Free 6411189 or phone account alens. Mole* online payments NO munch more. La yaw Comm Business Card work for you- VW us today al www.chre.convWdnesecards and Sign up for free online amount access. 8576649 This Statement Is a Facsimile - Not an odgkul A 0000011 nsSasseh mo N z m ovum Pq.2e2 cease h M 171 1 osahosaootmnM.02 16 of 97 Staten1017t for account number. 5682 50861533 8187 Now Balance Payment Due Date Pest Due Amount Minimum Payment $2,606.32 032&08 SO.DD $5200 Make your dwek payable to Cheee Card 9ervlasa Amount Enclosed No. address a-sil? Prue on beck. 558250661533848700005200002608320000004 . 09EX Z 0M0e C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 206 CAMP HILL PA 17011-2421 1... i ..... n-11A.i,i,.i„Iri.,. 8576649 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198665153 n:5000L60281: L6986L5331348790 lClos De e: O ing 02/09108 - o CUSTOMER SERVICE ng a 15" CARD 8,M?ENT aUala Minimum Payment Due: U.S. 1-8063465536 $52.00 E apsrol 1-868.795-0574 TDO 1-800-955-6060 Pay by phone 1-000-436-7958 Outside US. call collect 1160.350-7099 MASTERCARD CARD SUMMARY Account Numbs: 5597 90961533 9407 ACCOUNT INQUIRIES Previous Balance $2,452.33 Total Cradit Una $6.000 P.O. Box 15296 Payment Credits -$367.50 Available Credit $3,391 Wilmington, DE 19856S298 Purtlteses, Cash, Debits 4503.62 Cash Access Urfa 67 Available for Cash 0$19 $1.200 $1.198 PAYMENT ADDRESS . Finance Charges 608 32 B l P.O. Box 15153 . ance , New a Wilmington, DE 196863153 VISIT US AT: PREMIER CASH BERATE PMNT SUMMARY Previous Rebate Pam Balance 1.375 Boras Rebate Pokes 532 Base Rebate Points an all Purchases 481 Rebels Earrings iorleded this month 0 New Rebate Pam Balance 2,369 496 Rebates to aspre on statement date in January 2010 Remember you am one point for all your Purchases pus an additional two points for common buinarpurchases. Canaan buWaea purchases include puchaws made at gas sts6ons, hardware stares. home improvement acres. ottice WAVY stores and resWrans. TRANSACTIONS Trans Date Relsrenae Number Merchant Name or Transaction Description Amount Credit Debit 02!07 0641010a03a255376075925 SUBWAY 26913 00269016 MECHANICSBURG PA 56.86 02!09 0541019OD40265376756770 SUBWAY 26913 00260016 MECHANICSBURG PA 6.24 02000 85600399041400004670161 TWO COUSINS PIZZA AND CAMP HILL PA 10.55 oVM 05410190,041683040360314 AMOCO OIL 06954009 LEMOYNE PA 10.24 02009 55409678040691761175604 RITE ND STORE 1074 LEMOYNE PA 15.99 07/10 051404 710024330336 MCDONALD'S F7928 017 LEMOYNE PA 7.25 02/12 0541019844683043770276 AMOCOOIL 06955009 MECHANICSBURG PA 9.1D 02111 0541019643255378297006 SUBWAY 26913 00269016 MECHANICSBURG PA 6.24 02/12 55547516043249105010159 OUIZNOS SUBS 05179 LEMOYNE PA 23.07 02!12 855003OW44400007960044 PHYSICIANS OF 00 OF 00 717.7005504 PA 25.00 02/12 05410190044525312638884 TACO BELL 244100244065 LEMOYNE PA 10.15 02/13 55432060644000384415600 HSBCICREDITKEEPER 877,276-3919 VA 9.95 02113 0541019094688304487409 AMOCOOIL 06054009 LEMOYNE PA 10.24 02113 95162530046900012700309 BROTHERS PIZZA ITALIAN MECHANICSBURG PA 4.24 02119 10500502700005009346082 Payment - Theme You 367.50 02119 55432966050000031952014 VONAGE'PRICE+TAXES 065-2434357 NJ 30.73 02/19 05410199051683050080338 AMOCOOII 06954009 LEMOYNE PA 10.24 02/19 054101900612653032136M SUBWAY 26913 00269016 MECHANICSBURG PA 5.82 02121 SS547505052283280010467 ISAACS DELI ON MECHANISBURG PA 11.15 0221 05,4101900536113052270349 AMOCOOIL 06954009 LEMOYNE PA 12.57 02M 85192530062900013200348 BROTHERS PIZZA ITALIAN MECHANICSBURG PA 424 02/26 054101960691051ON13538 STAPLES 00116442 CAMP HILL PA 0.51 0225 554M760S7691699351SOO FATE AID STORE 1074 LEMOYNE PA 21.37 02125 05410198056255367610773 SUBWAY 26913 00280016 MECHANI SBURG PA 6.56 02F20 05410190060255369003734 SUBWAY 26913 00260016 MECHANICSBURG PA 4.76 02/29 06410199061603060010240 AMQCOOFL .16954009 LEMCYNE PA 10.24 01110011 110, E PA 9.D9 03/01 0544400111ft2206249013M BARNES a NOBLE 9204090 HARRISBURG PA 50.24 03001 SS409a7a0a2a019SW50621 RITE ND STORE 1074 LEMOYNE PA 13.89 03101 0514048WW7100365WMO MCD0NALD'S F7928 017 LEMOYNE PA 14.68 03M 0541019808169306320425 AMOCO OIL 06954009 LEMOYNE PA 12.67 0373 e550278s0619e001s85075a DRAYER PT MECHANICSSUR MECHANICSBURG PA 10.00 This Statement Is a Facsimile - Not an original 0000010 F1933 SCt we e z 0e OLMM Pap., d9 45M MADA 46460 0an000DM00""800h X. aum "219680 Ns/ZOS1 CHASE O 10 of 97 Opera ngrClosing Dale: 02/09/08 - 03fOWW Account Number 5682 50661533 8487 Page 2 of 2 TRANSACTIONS (CONTINUED) Mount Tram Dale Reference Number merchant Name or Transaction Description Credit Debit 03104 56547518064249216010527 0D NOS SUBS #5179 L V A 21.91 18 83 03804 5549967WS56 91 9593 841 27 RITE AID STORE 1074 LEMOYNE PA 12 67 03105 05410198066683065510140 AMOCO OIL 060.54009 LEMOYNE PA . 24 37 03/06 25247808066019878500276 TWO COUSINS PIZZA CAMP HILL PA . 10 00 03/05 a550278a06s9a001atiSms DRAPER PT MECHANICSSUR MECHANICSBURG PA . 23 01 03/07 BUSINESS PAYMENT PROTECTOR 1-066-7078748 . ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $136.32 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Decry Periodic Rate Correap. Average Daly Due To Transaction Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Role Fee Fin Charge CHARGES Purchases .02737% 9.995E $2,475.37 $19.65 $0.00 $0.00 00 00 $0 02 $0 0 $19.65 $0.02 . . . Cash advances V.05025% 21.99% $1.02 $ $19.57 Total finance charges Effective Annual Percentage Rm IAPRY 9.53% please ate tmormalion About Yaw Account section for balance compsation method. Vacs period. and char importers information. The Corresponding APR Is he rate of imeresl you pay when YOU carry a bdar= on any transaction category. The Effective APR repreawsa your told intnce charges - ircluelng transaction fees such as cash advance and balance tmrwW fees - expressed as a pacamage. IMPORTANT NEWS We any to pay your mrnmon businees expenses aAomafeally vsh your Chase Business Card. Simply dell Worst dm@ llme -.*IW Com today a cedt your billing invoices 10 ace t your vendors offer auto b7 pay. Pay your Taxes Today With No Delay. Use your Chase Business Card to pay your Ssse. Local arid Federal lases is quIcK convenient and sears. Lean more- www.dhempayyourtmes_mmbiztat 8576649 This Statemerd Is a Facsimile - Not an origbmi X nesaeho Fla33mch am m z a 0010009 Pp2e2 05M MA at .sat conanooonaoaersoo2 12 Of 97 Statement for accord number: 5592 509615M e4e7 New Balance Payment Due Date Past Due Amount Minimum Payment $2.839.85 04/28108 $0.00 $56.00 Makeyeur duck peyelxe to Chase cwd 9eMaa: Amount Enclosed New eddn s a e-mr7 Nut on hack. 558250861533848700005600002839850000006 8576649 mJ a" z 09"C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 1...111...1!1...... 1I..J ..1J.I.,I..I.I...11.1.I.1..1.1..111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 t:50001i60281: 1,6986i53384879ue OpennyCXosirg Dale: 03millm - 0408!06 CUSTOMER SERVICE Payment Due Dale: 042WW In U.S. 1-804346-5538 a!ls11 3a CARD IBTATBrEMT Minimum Payment Due: $56.00 EspeM1d 1.886.7960574 TOO 1.800.965-0060 Pay by phone 1-800-436.7958 Outside U.S. call collect 1480-350.7099 MASTERCARD CARD SUMMARY Aeco- Number: 5562 50861533 8997 ACCOUNT INOlNPoE3 Previous Balance 52.608.32 Total Credit Line $6.000 P.O. Box 15298 Credits -$1.081.05 Available Creel Payment $3.160 Wilmington. DE 19850-5298 , P dn Debits .$I.29&92 Cash clots rb Cash $1.108 PAYMENT ADDRESS n Finance ts Charges yea P.O. Box 15153 New Balance $2.839.85 Wilmington. DE 198863153 - V191T US AT: wear chaft-combudnessairM EPREMIER CASH RATE POINT SUMMARY Previous Rebate Pant Balance 2.389 Bonus Rabata Points am Bass palate Points on all Pvdnases 1.266 Rebels Eamngs torfeiled this month 0 New Rebels Point Balance 4.485 498 Rebates to expire on statement date in January 2010 Remember you earn one point for all your purchases plus an additional two points for common business purchases. Common business purchases include purchases made at gas aalions. hardware stores. home improvement stores, office supply stores and restsnranis. T A YCAr+T ^MQ Arnoum Trans Credit Debit Date Reference Number Merchant Name or Tra sactio n Description 03107 05410198068663067720323 AMOCOOIL 06954009 LEMOYNE PA 03107 SSM967BD68691903412925 RITE AID STORE 1074 LEMOYNE PA 03!09 o641019507o683069550173 AMOCOOIL 0454000 LEMOYNE PA 03107 55499676068691983486903 RITE AID STORE 1074 LEMOYNE PA 031070541019WW953311065553 PERKINS 4239009123002 LEMOYNE PA 03110 5643265607o000281219342 VONAGE'PPoCE.TAXES 066.243-4357 NJ 03107 855027BWWN0018850706 DRAYER PT MECHANICSBUR MECHANICSBURG PA 03107 55546558069451184000224 CUMBERLAND APOTHECARY CAMP HILL PA 03/10 05410190071603070920055 AMOCOOIL 0454009 LEMOYNE PA 03110 0541019470683070690350 AMOCO OIL 0454009 LEMOYNE PA 03/10 55541666071072015119704 BLOCKBUSTER VIDEO 4420 LEMOYNE PA 03110 SS43296470ooo34a844421 Tir EDUCATIONAL SALES 600-TIC-ARES TX 03106 55547506072253132010046 ADVANCED DERMATOLOGY & MECHANICSBURG PA 03!12 05410196073683072100142 AMOCOOIL 06954009 LEMOYNE PA 03113 0541019474603073270067 AMOCO OIL 0454009 LEMOYNE PA 03712 175500390073400006170035 PHYSICIANS OF 00 OF 00 717-7906504 PA 03113 55432866073000577879359 HSBCCREDrrKEE PER 8772763919 VA 03712 05140466073710032533237 MCDONALD'S F7926 017 LEMOYNE PA 03/13 054101990742SS397083956 SUBWAY 26913 IXIMOI6 MECHANICSBURG PA 03!16 107807827WOOS1 25 8 41 81 7 Payment - Thank You 03/1605410199079683070060313 AMOCOOIL 05OSS009MECHANGSBURGPA 0320 5543178606100135431749 LISPS 4134870011 CAMP HILL PA 03x19 553087644547745000449 SHELL OIL 57542536509 CAMP HILL PA 033121 SS54106WBIOD4021265300 COMCAST CENTRAL PA goo-COMCAST DE 0322 2S2470011002020390946594 TWO COUSINS PITTA CAMP HILL PA 03W 05444720003232524004552 CIRCUIT CITY SS 43720 MECHANICSBURG PA 0323 06410198064603083060019 AMOCO OIL 06954009 LEMOYNE PA 03/22 55409678MG91106701262 RITE MD STORE 1074 LEMOYNE PA 03123 06410190084953310405448 PERKINS 42300 00123902 LEMOYNE PA 032406410100005603084/20163 AMOCOOIL 0454009 LEMOYNE PA 03126 5648.0 8628407900084 GOOD HOPE FAMILY PRACT SOUTH ENOLA PA 03126 05410190087255405766560 SUBWAY 26913 0024016 MECHANICSBURG PA CHASE O I... i I I.1..1..1.1..1..11.,.1.1....11,1 J... It..l .1...11..11.. ! 1.061.05 ante 1.51 9.04 20.97 26.79 30.73 10.00 39.00 8.71 5.12 14.04 25.96 10.00 6.91 5.12 25.00 9.95 7.26 6.88 9.10 25.00 35.00 219.11 20.40 105.98 5.12 15.21 38.74 11.73 10.00 6.86 This Statement Is a FacsWle - Not an orighni 001111012 F1937785C1 000 N Z OR GINDuDe P g.11 d2 05M Y E^ 277311 catiop001000177ae01 X 00011 ere13012 6 97 Oponng(Closing Dale. 0woom - 0410am Account Number: 5592 5086 1630 8487 Page 2 of 2 TRANSACTIONS (CONTINUED) Mount Trans Dais Reference Number Merchant Name or Transrretbm Desuiplon Credit Debt) 0327 05410198088683067430040 AMOCO OIL 06955009 MECHANICSSUATRA 1050 14 15 0328 05,4101980896630641480373 AMOCO OIL 06954009 LEMOYNE PA 98 2 03!20 05410196089683060500046 AMOCO OIL 06954009 LEMOYNE PA . 73 3 0329 05410198090583089540180 AMOCO OIL 06954009 LEMOYNE PA . 53 10 0329 05410108090603089570278 AMOCOOIL 06954009 LEMOYNE PA . 35 00 03n9054101980907990(19540150 AMOCO OIL 06954747 LEMOYNE PA . 84 75 0329 05416018089141007423382 WAL-MART a1886 SE2 MECHANICSBUR PA . 672 0328 55499678089691152185687 RITE AID STORE 1074 LEMOYNE PA 14 33 03130 05410198091683090640010 AMOCO OIL 06054009 LEMOYNE PA . 10 00 03rd0 5543211590900005284192,48 MYFAX 'PROTUS IP SO LN 866-5639212 NH 12 5 0329 0541019WM503089520433 AMOCO OIL 06954009 LEMOYNE PA . 756 03l310641019809268309169W89 AMOCO OIL 06954009 LEMOYNE PA 6 88 03131 05410198092255409255530 SUBWAY 26913 00269016 MECHANICSBURG PA . 15 82 04101 05410198093683092820071 AMOCO OIL 06954000 LEMOYNE PA . 46 56 04102 D54 1019100 946 8309 38 70306 AMOCO OIL 06954009 LEMOYNE PA . 60 106 04102 85450786093118000126841 CITIZEN WATCH CO OF AM 310-5328463 CA . 9 09 04104 55541WWN072014238222 BLOCKBUSTER VIDEO $420 LEMOYNE PA 16 7 04/03 85162538095900017000404 BROTHERS P177a ITALIAN MECHANICSBURG PA . 7 67 04)03 55304768095547757029294 SHELL OIL S754253%09 CAMP HILL PA 19 95 04105 05444WO097249651020151 NEWSHOSTING WINTER PARK FL . 04 14 04MS 25247808096020838475282 TWO COUSINS P12ZA CAMP HILL PA . 5171 04/06 05140488097040001494660 KARNS DUALITY FOOD SNO LEMOYNE PA 25 06 04108 BUSINESS PAYMENT PROTECTOR 1-866-70748748 . ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $209.87 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Fnarwe Charge Daily Periodic Rate Coneep. Average Daily Due To Transaction AcmxWated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .02137X 9.99% $2.549.88 $21.64 50.00 $0.00 00 $0.00 02 9D $0 $21.64 $0.02 . . Cash advances V.05019% 21.24% $1.04 1.80 Total finance charges PJNcdve Annual Pace rdage hate (APR): 10.18% Please nee Intormation About Your Aemum aeaion tor balance cortrpuaation method, grace pedod. and ottan Important Information- The Corresponding APR is rid, rate of interest you Pay when you carry a balance on any, transaction category. The Etledive APR represents your total finance charges- including trenoactlon 10ea ouch as cash advance and balance tranater fees - expressed as a percemage. IMPORTANT NEWS Pay your Taxes Today Wil h No Delay. Use your Chose Business Card to pay your Slate. Local and Federal texas hs quick mmeriem and sears. Leern more- waw.rhawpayyounaxss.mrnHzW Did you know you can access cash whh your Chase Business Credt Card al ATMs worldwide? Simply cal our Activation Lira today at 1-000449-3452. select you own 4 digit PIN end you will have irmedate cash access. Fees may apply. Ila easy 10 pay your common burin ses expanses aubmaacaly MM your Chow Business Card. Sinlpy Nsh www.diosabOmanww.com today or check your billing invoices lo see 6 you vendors after auto bill pay. 8576649 This Statement Is a Facsimile - Not an original X 0000012 Ramos Ch 00 N z to owe Pag*202 0506 Maw 27M oewm®lamnseoz 8 of 97 StYtemeffl for account nurnber: 5692 5M 1533 8487 New Balance Payment Dua Dale Past Dua Armoum Mimmum Payment $4,134.19 0628108 So 00 $82.00 Make yoa<hcdr peyebleto- . Chsee Cad Servloee• PMasew ito emmm eridosed. New address or -19 Print on b-k. 558250861533848700008200004134190000000 MIa9Or 9,axeC ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CHASE O CAROMEMBER SERVICE PO BOX 15153 WILMINGTONDE 19886-5153 8576649 t:5000 L60 281: 16986 L 5 3 38487911• OpeninglClosing Dale: 0509108.06/0800 CUSTOMER SERVICE Payntam Die Dale: 062WW In U.S. 1-800.348-5538 BIJBINEES CA18D FiTAT819ENT Mirimum Payment Dus: $82.00 Espanol 1-OM795-0574 TDD 1.804956-8060 Pay by phone 1.804438-7956 OulBide US. cell collect 1-480.3547099 MASTERCARD CARD SUMMARY AOCaunt Nureber: "608815338487 ACCOUNT INGUIIVES Previous Balance $4.067.25 Total Credit Line $6.000 P.O. Box 15290 Payment. Credita -$233.29 Aellable Credit $1.865 Wilmington, DE 108545298 Pvd+eses, Cash. Debits s$262.09 Cash Access lira 14 Available for Cash •538 $1.200 DRESS Y MENT AD 51.198 PA . Finance Charges 3 O P New Balance .134.10 WilmingloR DE 198 86-5 15 3 VISIT US AT: MULUNRIGK-ft PRFMIFR CASH RFRATF POINT S1 IMMARY Previous Flebale Point Balance 6,670 Bonus Rebels Points 60 Base Rebate Points on all Purchases 226 Rebels Eons ga dintribuled INS month 5,000 Rebate Earings forfeited this morrin 0 Now Rebels Point Balance 1.965 7,670 Rebates to expire on slatement dale in May 2010 Remember you own one point for all your purchases plus an adationd two points for Oorrumon business purchases. Common business purchases include purchases made at 9e6 stations. hardware stores. home improvement stores. 4164• suppy stores and reslauranls. TRANAACTIONS Trans Date Reference Number Merchant Nona orTranssd'ron Desaip9on Amount Credh Debt 0507 55499678129601470067650 RITE AlD STORE 1074 LEMOYNE PA $38.77 05/08 55432868130000329259449 SUNOCO SVC STATION 021 CAMP HILL PA 5.28 14 85 0508 05452528130293114576226 7-ELEVEN 11425 005 MECHANICSBURG PA . 3059 05110 55432868131000486711967 VONAGE'PRICE.TAXES 866243-43S7 NJ 15 72 05112 05140488134710031716731 MCDONALD'S F7920 017 LEMOYNE PA . 83 20 05/12 55499678134601524028511 RITE AID STORE 1074 LEMOYNE PA . 194 29 0520 11411412700005382520088 Payment - Thank YOU . 39 00 0 5/7 0 742668 51413 2920 0X000012 Late Fee Reversal . 05 9 0522 55432aa81430D0004435516 HS8C'CREDRKEEPER 877-276-3919 VA . 10 00 05130 554328681510D0795609313 MYFAX 'PROTUS IP SOLN 866-563.9212 NH . 18 52 05130 564996781526016DW38137 RITE AID STORE 1074 LE MOYNE PA . 0513015203258154160384603981 CRYSTAL ARTSOFTWARE A FREDRIKSBERG DNK 2.19 06/03 06410190158255453355211 SUBWAY 26013 00269016 MECHANICSBURG PA 7.63 06103 56499678156891716348118 RITE AID STORE 1074 LEMOYNE PA 22.46 7 60 0603 55499678158601716367118 FETE AID STORE 1074 LEMOYNE PA - 19 95 060606444006158320841810287 NEWSHOSTING 407-249-2221 FL . 36 47 0608 BUSINESS PAYMENT PROTECTOR 1566 7075748 . ALEKSANDR A MIIQUSH TRANSACTIONS THIS CYCLE (CARD 5487) $28.00 INCLUD ING PAYMENTS RECEIVED 0000OU Fl833375C1 000 v a as CBAeiOe Pge1 s.2 05els Nn0^ 31123 IMOODW OMI123M X 03009M2223110e13M 90 of 97 Operung/Closng Dale: 05molm - 061015/08 Account Number: 5582 50861533 8487 Page 2 of 2 FINANCE CHARGES Finance Charge Dsiy Periodic Rate Corresp. Average Daly Due To Transaction Accumulated fee F. Charge FINANCE CHARGES Category 31 days in cycle APR Balance Periodic Rate Purchases V.03011% 10.99% $4.084.25 $38.12 $0.00 $0.00 00 50 $36.12 $0 02 . Cash advances v 05751Y. 20.99% 51.08 $0.02 $0.00 . $18.14 Total finance charges Effective Annual Percentage Rate (APR): 11.20% Please see information About Your Account sedion for Imlants corrgeaion method, grace period. and other important information. The Corresponding APR in the rate of interest you pay when you any a balance on any transaction Category. The EHeeuve APR represents your told finance charges - including transaction fees such so cash e~ce and balance transfer lose - expressed as a peramage. Your Chase Buainees card provides a convenient 6 segue way to pay your Ounrierly Federal Business Tales with a low 2.49% convenience fee. Plus, you an earn rewards on tax payments and tnsnsge your cash flow by choosing to pay over line. Visit us of www.dtesepeyyounexes.comrtizmx today. Your Chase MaswrCard Business Card an save you money on Waness travel expanses. Visa www.dlese.ami1ximessewds and dick on Discounts for MasterCard Cardmembers to we greed offers from Luggage Express, Alamo, National Car Rented, and more. 8576649 R owoam nsasass Cl goo y s m ommm Paga2a2 owes ak„n. 3i'm teoraotxxnaomr1?02 92 Of 97 Statement for scomirll nlunbar: 5662 5086 New Baku" Payment Due Date Peal Due Annum Minimum Payment $4,906.43 0728105 $0.00 $96.00 . Make Your check payable tar: Chase Card Ssrm4cea. Please wriis smont enclosed. Now address or emei? Print on tack. 558250861533848700009800004906430000009 3i0k0 aFR 611008 C ALEKSANDR A MMKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 x:5000160 281: 1 6986 1 5 3 38 48 79tr 8576649 OpeningfCloslnOD61e: 06/09108-07/08/08 CUSTOMER SERVICE UMN EEE CARD STATEMENT Payrnenl Due Date. i P nt D e: Mi 0726!06 In U.S. 1-600.346-5636 $9x 00 n mum ayme u . EspaW 1-686.795.0574 TOO 1-800-95"OW Pay by phone 1-600.436-7958 Outside U.S. call trolled 1-00-360.7099 MASTERCARD CARD SUMMARY Account Nundler: SW 50961573 9487 ACCOUNT INQUIRIES Previous Balance $4.134.19 Total Credit Line $6,000 P.O. Box 15298 Payment, Credits -$82.00 Avail" Credit $1.093 Wiknk lor% DE 19850-5296 Pkrdhaeas, Cash. Debits a$al l.03 Cash Access tine $1.200 France Charges 442.31 Avail" for Cash $1.093 PAYMENT ADDRESS New Balance 906.43 9 P.O. Box 15153 . Wilminglon, OE 19896-5153 VtS1T US AT, PRFMIFR CASH REBATE POINT SUMM ARY Prehious Rebate Point Balance 1,95 Bonus Rebels Ponts 634 Be s Robste Poima on all Purchases 754 R= Eantinga taieited this month 0 New Rebate Point Balance 3,373 1,670 Rebates to eg*e on statement dale in May 2010 Remanoer you eam one point for all your purchases plus an additional two points for common business purchases. Common business purchases Include purchasso, made at gas safora, hardware stores, home improvement stores, office supply sores and reststri nts. TRANSACTIONS Trans Annum Date Reference Number Merriam Name orTrensacion Dcecipoon Credit Debit 06/7705410/ Gal 60653159700269 AMOCOOA 06054009LEMOYNEPA $741 06107 55417340160121005146830 KFC CAMP FULL 74 CAMP HILL PA 27.65 06108 05410198161603160740364 AMOCOOA 06954009 LEMOYNE PA 6.78 06/10 564328681820DO706447700 VONAOE'PRICE.TAXES 055.243-4357 NJ 30.59 OGM 655418WIS10720 203 7931 5 RADISSON HOTELS PENN H CAMP HILL PA 150.82 06308 05410190161953310727227 PERKINS 02390 09123002 LEMOYNE PA 60.00 06/10 05410195163603162910464 AMOCOOIL 069540M LEMOYNE PA 4.99 06109 55499670162691769314621 RITE AID STORE 1074 LEMOYNE PA 33.47 06110 05410190163255457805727 SUBWAY 26913 00269016 MECHANICSBURG PA 6.46 06/11 05410160164683163460090 AMOCOOIL 060SS009 MECHANICSBURG PA 4.65 06(11 05410160164255458477574 SUBWAY 26913 00269016 MECHANICSBURG PA 7.95 O6r12 05410198165683IM070343 AMOCO OIL 05954009 LEMOYNE PA 9.97 06112 85410198165683164110354 AMOCO OIL 06954009 LEMOYNE PA 9.72 06112054101515799154070354 AMOCOOA 06054747 LEMOYNE PA 53.02 06112 0610253815900011300078 PAAUTO LICENSE BROKER MECHANICSBURG PA 20.50 06113564325681650004M22152 HSBCCREDRKEEPER 877276-3919 VA 9.95 06!13 OS/1 019815 2664598 5851 6 SUBWAY 26913 00269016 MECHANICSBURG PA 7.09 0621051404810174710035281856 LACDONALDSF7228 017LEMOYNEPA 10.04 OW21 05410108174663173890417 SPOIL 06954006 LEMOYNE PA 4.99 0622 05140488175710027666213 MCOONALO'S P7920 017 LEMOYNE-PA 4.75 0623 55400678176601906207351 RITE ND STORE 1074 LEMOYNE PA 16.10 0624 05140488176720032058313 MCDONALD73 F7226 017 LEMOYNE PA 9.40 06325 06140400177720032426287 MCDONALDS F7928 017 LEMOYNE PA 5.18 0626 05410198179683176270057 SPOIL 06054000 LEMOYNE PA 4.44 0625 564957817889191755593 RITE ND STORE 1074 LEMOYNE PA 30.39 0626 0641015179683178290303 SPOIL 06954009 LEMOYNE PA 9.10 0626 5S641868179004033371938 EB GAMES 44061 CAMP HILL PA 43.59 06127 05410196190603179390042 SP OIL 05954009 LEMOYNE PA 10.57 0627 05410198180683179410410 BP OIL 00954009 LEMOYNE PA 3.69 OWN 1161100270000545968114 Payment -Thank You $2.00 0020 74266851913467545968115 EPAY FEE 14.95 0628 05410198101603100450131 SP OIL 05054009 LEMOYNE PA 13.26 CHASE O I...III.I..1..1.1..1..1I...1 J....11.1.1...11..111...11..11..1 0000000 Fr9a0IDe C1 000 Y 0 00 OaerAB P.ee102 (5015 MnaA32MO fe0100000100®m10q x 0000 W8,33M 86 of 97 Openig0o sing Data. 06R WO9 - 07101006 AC=M wooer. 6582 60661533 6467 Page 2 012 TRANSACTIONS (CONTINUED) Trans Amount Dale Reference Number Merchant Name w Transaction Dexnpton C odd Debit 06730 55432968182OW400446417 MY AX LN 866-563.9212 NH 10.00 0627 05140488180710040758206 MCOONALD $ F7926 017 LEMOYNE PA 5.28 062816203258182162834628807 CRYSTAL ART SOFTWARE A FREDRIKSBERG ONK 2.99 07A01 554328661830W5988781199 WMV-MATCH.COM 900-926.2824 TX 68.50 07)02 0541019111115683194830185 SP OIL 06954009 LEMOYNE PA 9 119 07101 05140486104710034991041 MCDONALD'S F792f1 017 L.EMOYNE PA 9.19 07102 06410198105255471399506 SUBWAY26913 00269016 MECHMICSSURG PA 7.63 07/03 05410199106255472063438 SUBWAY 26913 00269015 MECHANICSBURG PA 6.46 07)05 05444008188368011101021 NEWSHOSTING 407-240-2221 FL 19.95 07/0e BUSINESS PAYMENT PROTECTOR 1-866-707-8748 4329 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $720.93 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Daily Periodic Rate Correap. Average Daly Due To Transaction Aocu mulaled FINANCE Category 30 days in cycle APR Balance Penodhc Rate Fee Fn Charge CHARGES Purchases V.03011% 10.997E $4,681.78 $42.29 $0.00 $0.00 $4229 Cash advances V.05751% 20.99% $1.10 $0.02 $0.00 $0.00 $0.02 Total firiance charges $42.31 E1fairdw Annual Percentage He%(APR): 10.04% Please sae htoms9on About Your Accent section br balance compltatan method. grace period, and other important kdormalion. The Co respondng APR is he rate al interest you pay when you carry a balance on any transaction calegory. The Effective APR represents your total finance charges - nclucing transaction lees such as cash advw= and balance trarsfor uses - etpressed as • percentage. IMPORTANT NEWS it's easy to pay your common businses entelnes sutomatcally with your Chase Business Card. Simply visit www.clwOabillmMlger.com today or check your biling invoices to we I your vendors otter aura bill pay. View up b e years d your statement history ortine. Get sate and my wAmto your current swerneat. You can even gave your slatememsbr d91ne Mewing in PDF format Visit www.chose eom0 usineseeads today to stitch b paperless stataTmNs 8676649 R 00000011 R8113985CI too If 9 ® oww" PW2e2 050116 reaak a o h11010061e+k0062erea2 88 of 97 Statement toe accouart nu sber 5682 50861533 S41B7 Now Balance ., Payment D5u?8 Poor Due A o Minimum Payment CHASE O . Male yew check payable to: Chase Cad Services. Ploase write errowht enclosed. New address or -mail? Print on back. 556250861533848700010200005115080000009 sxroeorz221sac 1-11 .i.. JIL.L.11...1.1....IIJ.L..IL.L1...11..111. ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER SERVICE 28 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19886-5153 r:50001i60281: L6986L5 3 38 4 8 7 911- Openngtoosirg Date: 07/0&08-06105" CUSTOMER SERVICE Payment Due a11a1111F.aaa CARD 8TAT618EMT m Payment Due: 0012WW U.S. $102.00 In air 1-300.348-5538 Espaflol 1.906.795-0574 TDO 1-900-955-8060 Pay by phone 1.900-435-7958 Outside U.S. call colocl 1-480.350-7099 MASTERCARD CARD SUMMARY Account Number: 56e2 5006 1533 0487 ACCOUNT INOUIRIES Previous Balance $4,906.43 TOM! Credit Lute $6,000 P.O. Box 15299 Payment, Credits 4170.00 Available Credit $884 Wilrirglon, DE 19850-5298 Cash. Debits 4331.5a Cash Access Une Purchases $1.200 . Finance Charges 447.07 Available for Cash $981 PAYMENT ADDRESS New Balance .115.08 P.O. Box 15153 NahlirgloR DE 19806-5153 VISIT US AT: sewn Chase g+..+DAWLW"rd+ oocMIER CASH RFRATF POINT SUMMARY PrrAcus Rebate Point Balance 3,373 Bonus Rebate Points 172 Base Rebore Points on all Ptedtases 267 Rebats Earrings Waned thin month 0 New Rebate Point Balance 3,612 1,670 Rebates to expce on statement date in May 2010 Remember you earn one point for all your purchases plus an additional two points for common busenees purchases. Common business purchases Include purchases made at ge- smfons, hardware stores, home inprwanent stores. office supply stores and restaurants. TRANSACTIONS Trans Amount Del* Reference Number Merchant Name or Transaction Description Credit Debit 07/09 55432660191000557439063 VONAGE'PRLCEaTAXES 00e-243.4357 NJ $30.30 07/09 55446410193206911300244 NEW 2ND WOK HARRISBURG PA 11.24 07/10 66432060192000767666862 GIANT FOOD $269 CAMP HILL PA 36.03 9 27 07110 654320 60102000767666078 GIANT FOOD 9269 CAMP HILL PA . 07/14 5 643f0601DS000135742M HSBGCREDfTKEEPER 377-275-3919 VA 9.95 07117 0544400520030366$621741 BARNES a NOBLE x204090 HARRISBURG PA 13.72 07117 55 30876RW547006025463 SHELL OIL 57542538509 CAMP HILL PA 12.72 0724 05410198207683206330373 BP OIL 05955009 MECH NICSBURG PA 605 0724 55547518206249355010349 OUIZNOS SUBS 13179 LEMOYNE PA 11.44 072405410196207603206740317 BP OIL 06954000 LEMOYNE PA 4.99 0725 55547518207249356010271 Ol82NOS SUBS 85179 LEMOYNE PA 11.14 07/25 05410/902000332D7940428 SP OIL 05965009 MECHANICSBURG PA 10-68 0720 121021027000DW92194127 Payment -Thar* You 150 OD 0727 55420360210030352734294 FTD'FTO.COM DOWNERS GROVE IL 68.48 0727 15203258210151203916008 CRYSTAL ART SOFTWARE A FREDRIKSBERG DNK 2.99 07/30 564320602120009899666121 MYFAX 'PROTUS IP SOW 066-563-9212 NH 10.00 08-0505444005220409754020711 NEWSHOSTWO407-249-2221 FL 19.95 08.40 55432068219000006434824 W W WNEWEGG.COM ODO-390.11 to CA 20.00 03706 SSU64IB221205911100020 NEW 21,10 WOK HARRISBURG PA 17.11 os" BUSINESS PAYMENT PROTECTOR 1-066-707-0746 45.13 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8497) $161.58 INCLUDING PAYMENTS RECEIVED 8576649 This Statement Is a Facsimile - Not an original 0000er2 Ftse4 01 880 M 2 06 osomm ?.ea/d2 OWN MDA 571150 22n00000100057e1001 Z 05Aeef12aS 70910]21 82 of 97 Opening/Closing Dale: 07/09/06 - WOWS Account Number: 5562 5066 1533 6497 Page 2of2 FINANCE CHARGES Finance Charge Daily Periodic Rate Correap. Average Dafy Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V 03011% 10.99% $5,041.19 $47.05 $0.00 $0.00 $47.05 Cash advances V .05751 Y. 20.99% $1.12 $0.02 $0.00 $0.00 $0.02 Total tirrence charges $47.07 Effective Annual Percem,1ge Rata (APR): 11.20% Please a" ntormation About Your Account section for balance computation malhod. grace perfo4 and other important information. The Corresponding APR is fie rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer lees- eVressed as a percentage. IMPORTANT NEWS Did you know you can access cash with your Chase Buena, Credit Cad at ATMs vroridwids7 Simply ®1 our ActMAon Lire today at t -900-0493452, select your own 4 digit PIN and you wig have irrnadiate cash amass. Fees may apply. Phew up 10 6 years of your statement history online. Got safe and easy accessto your current statement. You can even save your statements for ofdine viewing it PDF format Malt vren whass conVbusineeCOrda today to switch to Paperless stalemerm. 8576649 This Statement Is a Fumknile - Not an ofitgIrml X 0000012 RSU335C1 M M z m eee0e,1 Pp,12a2 05M MM 51,190 a 11o0000raemiea00t 84 of 97 Sta7ternent for account number- 5502 5D881533 8487 New B6lenee Payment Due Date Peet Due Amoum Minimum Payment $5,223.49 1 Oro" $0 00 $138.00 Maya your check payable to: clasoa card 9.,V Pl asevainanentanclosed. New address or wm il? Print din back. 558250861533848700013800005223490000005 2MwMZa;MC ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 1,.1111...III....k.il..JL.I1111111.1LI11.11.1111Ldd111.1 CS000i60281: i6986i5338118791ra CHASE 0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 Openinotaosirg Date: 09/09/08 - 10/08/08 CUSTOMER SERVICE f0UE1116E8 CARD STAT®aENT Payment Due Dale: 1025" In U.S. 1-800.346-5538 Minimum Payment Due: $138.00 Espaflol 1-886795.0574 TDD 1-806955-5060 Pay by phone 1-800-436-7958 Outride U.S. call collect 1.480.350-7099 MASTERCARD CARD SUMMARY Aocowu Number: 5662 50661533 8487 ACCOUNT INQUIRIES Previous Balance $5,155.85 Told Credl Line $6.000 P.O. Box 15298 Payment Credits -$150.00 Available Credit $776 Wi rringlon, DE 19850.5298 Purchases, Cash, Debits 4170.75 Cash Access Une $1.200 Finance Charges 9$46.88 Avallebla for Cash $776 PAYMENT ADDRESS New Balance 5.223.49 P.O. Box 16153 V&Tinglon. OE 19886-5153 =US AT, PREMIER CASH REBATE POINT SUMMARY Previous Rebate Point Balance 4,047 Bonus Rebats Palms 25 Base Rebate Pohas cn all Purchases 86 Rebale Earnings distributed this month 2,500 Rebsle Earrings forfeited this month 0 New Rsbde Pcm Balance 1,658 873 Rebeas to expire on slalemana date in July 2010 Remember you som one pool for all your purchases plus an addi6oral two points for common business purchases. Comm business purchases ndude purdaws made at gas sts9ona, hardware dore4 home improvarnem sloes, office eupply Mres and reaauranis. TRANSACTIONS Trans Date Reference Number Merchant Name or Transsdon Descripfion Amoum Cradh Debit OOM 55432868253000896581257 VONAGE'PRICE.TAXES 866243-4357 NJ $30.39 09/15 65432888259000570584841 HSBC'CREDTTKEEPER 8664976054 VA 9.95 0925 15203258270162277258602 CRYSTAL ART SOFTWARE A FREDRIKSBERG ONK 2.99 0928 LATE FEE 39.00 09291273273270DO05965718729 Payment -Thenit You 150.00 10/01 55432868275000407796864 MYFAX •PROTUS IP SOLN 866-553-9212 NH 10.00 10/05 054440082WO2145092174 NEWSHOST84G 407-249-2221 FL 19.95 1407 05410196282583261720133 BP OIL 06954009 LEMOYNE PA 12.40 10108 BUSINESS PAYMENT PROTECTOR 1-865-707-8748 46.08 ALEKSA NDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $20.75 INCLUD ING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Daily Poriodic Raft Correep. Average Daly Due To Tmnsecfan Acoamlawd FINANCE Category 30 days in cycle APR Balance Periodic Rde Fee Fin Charge CHARGES Purchases V.03011% 10.90% $5,187.55 was $0.00 $0.00 $46.86 Cash advances V .05751-A 20.90% $1.16 $0.02 $0.00 $0.00 $0.02 Total scene charges $46.89 Eflecthe Annual FYreentago Rafe (APR): 10.84% PIe96e 9" Imormadon About Your Aeeaurd secton for balance 1»n ixhlalon mobod, grace parted, and other importam -I-- The Corresponding APR is the rare of nlereai you Pry When you CO" a balance an any r w2aaton c8kPWY The Effect" APR represents your 101a1trance charges - ithcluding 8eaeeton fees 8676649 slydh as cash, advance and beloncs Vansfar fees - expressed as a pereanege. This Statement Is a Facsimile - Not an of foul 0000009 F1333336C1 we N Z are amoft Papal d1 05696 WDh 26159 2eTa000n0=8651101 Z 010 9 01919/11 78 of 97 Statemerlt for account raaaber: 5582 50M 1533 8487 New Balance Psymarn Dm Dale Past Due Amoum Minimum Payment $6,536A9 1126106 $0.00 $17900 - Mae year ahedr payatlam: Chase, Cara l-1- Ples"wrsa amain enclosed. Newt address or -ei? Print on back. 558250861533848700017900005536490000003 w?3e8Ex zn3000 ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Il-1lllllllll-lrl1.1111.ILd1LLtIt111111riLLI1 L111111111 1:5000L60281: L6911615331111.8790 8576649 Opening Dosing Dale: 10709108 - 11109/08 CUSTOMER SERVICE BUSINESS CARD STATEMENT Payment Due Dale: Minimum Payment Due: 112WW In U.S. 1-900.346-SSW $179.00 Espemol 1-889.795-0574 TOD 1-900.955.8060 Pay by phone 1-800436-7958 Outside U.S. cell collect 1480350-7099 MASTERCARD CARD SUMMARY AccotmtNuntbsr:56B2 5086 1533 84W ACCOUNT iN WIIBFS Previous Balance $5,223.49 Total Credit Lute $5,000 P.O. Box 15298 Payment. Credits -$300.57 Available Credit 5463 W9ninglon, DE 19850.5298 Purdhasss, Cash, Delis 45489.87 Cash Access Line $1,200 Finance Charges +$123.90 Available for Cast $463 PAYMENT ADDRESS New Balance 55,539.49 P.O. Box 15153 Wilmington. DE 19896-5153 VISIT US AT- The new APR and promotional rate expiration refecled on Ins statement is a result 01 a late payment on your account. For your convenience. you can always pay online by accessing our webaee displayed on this alatemeal. PRFMI R CASH R RAT POINTC IMMARY Previous Rebels Point Balance 1,658 Boren Rebels Panne 25 Base Rebate Points on ail Purchases 451 Roberts Earnings lorlailed this month 0 New Rebele Pam Balance 2.134 873 Rebates to expire on statement date In July 2010 Remember you cam one point lot ail your purdtesee plus an additional two points for Common busneas purchases. Common business purchases include purchases made at gas stations, hardware stores, home improvemem stares, office supply stores end ressurams. TRANSACTIONS Trans Date Relwance Number Merchant Name or Transaction Description Amount Credit Debit 10109 55432666283000420016644 VONAGE'PRICE.TAXES 866-2e3-4357 NJ $47.12 10/13554328:8287WWBI920596 HSBCCREDITKEEPER 866.497-6054 VA 9.95 10/17 74265a52763667010040213 Redemption Credit 20.00 1023 06410198299635341627052 PIZZA HUT 823084430034 CAMP HILL PA 12.17 1024152032SB301165148457009 CRYSTAL ART SOFTWARE A FREDRIKSBERG DNK 2.99 1028 LATE FEE 39.00 10129 13033032700006096707358 Payment - Thank You 150.00 10/29 7426685303329 OOWWIS Late Fee Reversal 39.00 09708 74266853043232040007332 PROTECTION PLAN REFUND 45.49 10708 74266853043232040007340 PROTECTION PLAN REFUND 48.08 t 0130 55432858304000860501977 MYFAX 'PROTUS IP SOLN 866363-0212 NH 10.00 11/03 25536068309030010995357 HAOC - WEB FOR STU HARRISBURG PA 338.50 1110505444008311519438947781 NEWSMWIN0407-249-2221 FL 19.95 11107 5543281183120008711103358 VONAGE'PRICE.TAXES BWZ43-4357 NJ 9.99 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $189.10 INCLUD ING PAYMENTS RECEIVED This Statement Is a Facsimile - Not an odgirml 0000027 F/61131eCl 000 N Z are 0e111r00 P.pa1 e2 05=5 MCA 43M 31210000e00m379001 X OMMIMS04913609 CHASE 0 74 of 97 OpennWVoseg Dale: 1 WOOM - 11108108 Account Number 5682 5086 1533 848 7 Page 2 of 2 FINANCE CHARGES Finance Charge Daily Periodic Rale Conesp. Average Daly Due TO Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .0766% 27.99% $5,211.19 $123.87 50.00 $0.00 $123.87 Cash advenees V .07666% 27.99% $1.19 $0.03 £0.00 50.00 $0.03 Total finance charges $123.90 Etlectlve Annual Percentage Rate (APR): 27.999E Please see niormation About Your Accwkm section for balance computation metfod, grace period, and other Important information. The Corresponding APR is he rate of interest you pay when you tarry a balance on any transaction category. The Effective APR represents your totes linanee charges- including Yansaceon fees such as cast advance and balance trenslar fees - 9"ased as a percentage. Free quarterly online management reports. Free 0-m8il or phone account alerts, No lee oriine payments and much more. Let your Chase Business Card work for you. Visit us today at www.chese.carNhusreaecarde and sign up for tree online account access. It's easy to pay your uv nicin business expenses sutomalicaly, with your Chow Business Card. Simply visit www.chaim ilmarmgwoom today or check your billing Irmices to sae If your vendors oiler auto bit pay. 8576649 This Statement Is a Facsimile - Hot an aigtrml x omocer nasavscx 000 N z m eN1Lee P1p24a 0300 r nM am i12he0000naoema0z 76 of 97 Statement for accourd number: 5682 6086 1533 8487 Now Balance Payment Otis Date Past Due Amoure Minimum Payment CHASE y - Make yew theca payable to: WQ Chalw Cord 9-loss. Pl asewrite arrohnt wcbsed. Now address ar -19 Print on back. 558250861533848700018300005548720000009 ZU'Y 9612xtosc ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19886-5153 L..IIIr.,111..,.,.11.nllul.Irl.eL,i,L,.I1.Ide6el.LdJ 1:5000 i60 281: 16986 1 5 3 3aL fI79lta OpeningK:losirg Dale: 11MMO - 12/06/08 CUSTOMER SERVICE BUSINESS CARD STATEMENT Payrnem Due Oar.: Minmum Pa ment Due: 12F28/06 In U.S. 1-600-346.5538 $153 00 y . Espallol 1-888.795-0574 TDD 1-BOb955-6060 Pay by phone 1-800436-7958 Outside U.S. call collect 1-480.350-7098 MASTERCARD CARD SUMMARY AccountNurnbw: 5582 501115 1533 0487 ACCOUNT INQUIRIES Precious Balance $5.536.49 Total Credit Line $6.000 P.O. Box 15298 Payment, Credits -$179.00 Avail" Credit $451 Wilrrknglork DE 19850.5296 Purchases. Cash. Debts .$63.25 Cash Access Une $1.200 Finance Charges 4127.98 Available for Cash $451 PAYMENT ADDRESS New Balance S5.546.72 P.O. Box 15153 Wtmirglon. DE 198863163 WRIT US AT: chaaa?col PREMIER CASH RERATE POINT SUMMARY Previous Rabble Point Balernca 2.134 Base Rebate Points an all Purchases 64 Rebels Earrings iollalftd fits month 0 New Rebate Point Balance 2.198 873 Rebates to expire on statement date it July 2010 Remember you earn one point for all your purchases plus an additional two points for oomnwn business purchases. Common business purchmes include purchases made at gas sfelions. hardware almm home improvement stores, ofim supply stores and restaurants. TRANSACTIONS Trans Amount Date RNerence Number Merchant Name or Trenseaion Description Credit Debit 11109 55432865314000104566453 VONAGE1PRICE.TAXES 666.2434357 NJ $20.36 11713 55432666319000623242663 HSBCCREDRKEEPER 6 66 407-6054 VA 9.95 11/72 15203256329162711813302 CRYSTAL ART SOFTWARE A FREDRIKSBERG DNK 2.99 11/2713323322700006225001368 Payment-Thank You 179.00 11/30 55432868335000750133056 MYFAX 'PROTUS IP SOLN 866-663-9212 NH 10.00 12/05 05444008342559260498462 NEWSHOSTING 407-249-2221 FL 19.95 ALEKBANDR A MIKLUSH TRANSACTIONSTH IS CYCLE (CARD 04" $415.75 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Deily Periodic Rams Conesp. Average Daffy Due To Trarsecfon AccurWated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.07668% 27.99Y6 $5,562.03 $127.95 $0.00 $0.00 $127.95 Cash advances V .0756V% 27.99% $1.22 $0.03 $0.00 $0.00 50.03 TotA lnence charges $127.96 Eflectlve Annual Percentage Raft (APR): 27.99% Please we Irdormakon About Your Account seclon ter balance computation nre8hod, grace period. and otter krhportam inlormalon The Corresponding APR is tw rate of Interest you pay when you carry a balance an any transaction category. Thaftleetve APR represents, your total frhsnce charges - including transaction lees such as cash advance and belase transfer fees - expressed as a percentage. ,-. Save time on enpbyee rein bursameras. Improve expanse tracking. Maintain control with individual spending lirrits. Call the number on ft beck of your 8576649 card today to request additional employee cards and take het advantage 01 your Chase Business Card account. This Statement Is a Facsimile - Not an original m0a0oe P1603306CI 000 N 2 M 011A1A11 Pgeldl 050M -DA 25066 Y IXXGVI @SWew R 6laawa166w 50 of 97 Statement for account number 5682 80951333 8467 New Balance Payment Due Date Peat Due Arrant Minimum Payment $585285 OV28A8 $0.00 $189.00 • be row check payable to: Ch. card 9envleaa. Plassowrile amount enclosed. New address a emal? Print m back. 5582508615338487000189D00058528500D0001 Aam sex 1 e09 C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 26 RICHUIND LN APT 208 CAMP HILL PA 17011-2421 CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19066-5153 i...III... 1:5000 i60 281: i698615338487911' 8576649 Opening/Closing Date: 12/09MO.01108/09 CUSTOMER SERVICE SUa1NE8a CARD STATEMENT Paymen i Due Date: h9nmum Payment Due: 01r2a" In U.S. 1-800.346-5536 $189.00 Espallol 1-888-795-0574 TDD 1-804855-8080 Pay by phone 1-600436-7968 Outside U.S. call coiled 1-480-350-7098 MASTERCARD CARD SUMMARY Accouel Number: 5562 50661533 6497 ACCOUNT INQUIRIES Previous Balance $5.548.72 Total Credt Line $6.000 P.O. Box 15298 Payment, Credits 4183.00 Available Credt $147 mirrington. DE 190546298 Purdhes a. Cash. Debit 4356.03 Cash Access Una $1.200 Finance Charges 4131.10 Avail" br Cash $147 PAYMENT ADDRESS New Balance 5852.85 Boa VAInlnni Wingtom n, DE DE 198863153 VI91T US AT: PREMIER CASH REBATE PAINT SUMMARY Previous Rebels Point Balance 2.199 Boras Rebats Points 160 Baca Rebate Points on all Purchases 357 Rebelle Earnings forfeited this morn h 0 New Rebels Point Balance 2.715 873 Rebeles 10 expire on slafsmem date in July 2010 Remember you earn one point for oil your purchases plus an additional two points for common business purchases. Common business purchases include purchases made at gas sletiow. hardware sloes, home improvement sloes, o8ics supply stores and reslauranis. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Traneadim Desaiplion Credit Debit 12/09 Wa2a68344000127305826 VONAGE •PRICEaTAXES 866-243-357 NJ 12115 55432868350000070262256 HSBCCREDITKEEPERBSS-8973054 VA 12!2115203258357170275711105 CRYSTAL ART SOFTWARE A FREDRIKSB ERG DNK 12122 65446418357899000065668 PTC EZ PASS AUTO RE 8777366727 PA 12/27 13633622700006359068902 Payment - Thank You 1227 6531658a363739362710320 ERFORD RD SP OPS LEMOYNE PA 12/26 55421350363158154642070 E-Z MARTS 064 CAMP HILL PA 1229 05410100364835310931153 PIZZA HUr )12 3 0 8413 0 03 4 CAMP HILL PA 1229 55316508365739364940172 OLD GETTYSBURG PIKEOPS MECHANICSSURG PA 12/29 0541 01 9x365255569512366 SUBWAY 26913 00260016 MECHANI SBURG PA 12/M 05416018356141008500563 wAL-MART81006 SE2 MECHANICSBUR PA 12131 55432068386000242853505 T-MOBILE TEL PAYMENT 800-937-8097 WA 12130 65434250366608151011784 TOYS R LIS 80315 CAMP HILL PA 12/30 65308768366547577026612 SHELL OIL 575425385OPS CAMP HILL PA 12/30 55300768386647670026613 SHELL OIL 5754253850PS CAMP HILL PA 12rA 554990783686001887644685 RITE AID STORE 1074005 LEMOYNE PA 01/72 56446419002899000056193 PTC EZ PASS AUTO RE 8777366727 PA 011050544400WOM2336229703 NEWSHOSTING407-249.2221 FL 01/06 55446419006009000065810 PTC F2 PASS AUTO RE 5777366727 PA ALEKBA14DR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD $407) $173.03 INCLUD ING PAYMENTS RECEIVED 183.00 $20.36 9.95 2.99 35.00 15.00 12.62 13.77 6.15 5.30 49.44 2013 .31.77 19.65 7.03 16.72 35.00 19.95 35.00 This Statement Is a Facsimile - Not an original ?sao 0011 gke00tO0WaaP01 000000 F1833335 C1 000 N Z Oe 0001Ae P.ael alt Issa -QA X 05W W8t3a22 W1H a 1N91354t 2 of 97 Opening/Closing Date: 12/09/08 - 07/08/09 Account Number. 5582 5086 1533 8487 Page 2 of 2 8576649 FINANCE CHARGES Finance Charge Daily Periodic Rate Coneap. Average Only Due To Transaction Accumulated FINANCE Category 31 days in Hyde APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V .o746-3% 27.249E $5,665.55 $131.07 $0.00 $0.00 $131.07 Cash advances V.07463Y. 27.249/6 $125 $0.03 $0.00 $0.00 $0 03 Total finance charges $131.10 Etfectlve Annual Percentage Rats (APR): 27.249E Please see Inlorrnation About Vour Account aedion for balance cornpinalion method, grace pariod. and olner important intonation. The Corresponding APR is he rate of interest you pay when you carry a balance on any transaction category. The EBeclive APR represents your total finance charges - including transaction tees such as cash advance and balance transler lees - expressed as a percemage. This Statement Is a Facsknile - Not an odglnal R etetatt R5ahsa5ef soo N z os oael0e Peae2d2 OSeee MM asesa oaNeeoeoreoorasetea 4 of 97 Payment Due pale New Balance Pmt Due Amount Minimum Payment u.esz.69 $o.oo sl9aao Aewtmt number 5582 5088 15338487 $r Make yourchecllvtnd sto: LLChess Card send . Pkesawrberrant erndP Pint Now ddross or a-mei? Print on bed. 558250861533848700019400005852890000001 113UBE12 QXXPC I...III,I..I..I.I..I..II...1.1.,..?1.1.1...111.1.1..,11,.11..1 ALEKSANOR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER 3ERVIC: E 28 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 18866-5153 1:5000160281: L6986L5338487911e Statement Date: a NESS CARD STATEMENT 0110=9-02A70/09 H M.neaeyewa-ntonlle Minimum Payment: $194.00 Payment Due pale: 02r2909 Additional oentea iniomedrn ..........a ?............ -"---- --. _?-?----- omveriandylocaradmrllvernoida Previous Balance $5,852.85 Total Credit Line $6.000 Payment. Gelb 4169.00 Awlable Credit $147 Purchases. Cash. Debts .$53.04 Cash Access Line $1.200 Finance Charges 4136.00 Available for Cash $147 New Balance ,852.a9 PREMIER CASH REBATE POINT SUMMARY Previous Rebels Pont Balance 2715 Baas Rebuts Points on all Purchases 54 Rebate Earnings broiled tis month o New Ret ats Point Balance 2.769 873 Rebates 10 expire on statement date in July 2010 Remember you own one point for all your purchases plus an additional Aso points tar common business puntasea Common business purchases include purchases made at gas stations, hardware stores, horse inprovernem stores. office supply stores and restaurants. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transsdion Description $ Amount 01/28 Payment - Thank You -189.00 01/10 VONAGE'PRICE4TAXES 866-243-4357 NJ 20.15 01113 HSBC'CREDITKEEPER 866.497-5064 VA 9.95 01119 CRYSTAL ART SOFTWARE A FREDRIKSBERG DNK 2.99 02/05 NEWSHOSTING407-249-2221 FL 19.95 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $-135.96 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Daly Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Bab" Periodic Rate Fee Fn Charge CHARGES Purchases V.07463% 27.24% $5.877.18 $135.07 $000 $0.00 $135.97 Cash ldvanees V .07463% 2724% $1.28 $0.03 $000 $0.00 $0.03 Total finance charges $136.00 EtkclWe Annual Percent ge Rafe (APR): 27.29X. Please see Wonmtion About You Account section for balance computation method. grace period. and other Important irdomatbn The Corresponding APR in the rate of interest you pay when you carry a balance on any transaction category. The Etlactvs APR represents your total trance charges - including transaction tees such as rash advance and balance tanalar tees - expressed as a percentage. IMPORTANT NEWS I We are bringing you dew and amplef Take a bit at the now tornal of you statement - we tope you Wt easier to reed. III trial has everything you need on to front end bads with I. ft ton simply displayed. Your Chase Business Card provides s convenient a secure way to pay your Ouarrry Federal Business Taxes with a low 2.49% convenience tee. Pluss, you can tam swards on tax 8576649 payrtwn and manage your cash low by choosing to pay am time. Visit us at www.chesepamurtmescomtixblx today. This Statenimnt Is a Facsimile - Not an origtltal 0000000 FISXMMC1 000 N 2 es 000[mce P.Q.1 d1 matt WD. 11362 03e100000100a13.501 R 0306011113731 28 of 47 Paymanl Due Data New Balance Past Due Amount Minimum Payment 55.853.54 EO 00 $187.00 Aocowd llrrQlbw: 5682 50861533 BA87 . Make year ch.* payable to: Chase Card swlees. Pleeseewb amount-hosed. Now address or emee? Print on bed. 55825086153384870001810000585354000D002 same ease 2 osrase Ilrlill.l..I..1.1.rl..il.r.I.I..l.ilrl.il.r 111 rinl.l rlllllln.l ALEKSANDRA MIKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 2B RICHLAND LN APT 208 p0 BDX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19886-5153 1: 5000 L60 28i: L 6986 L 5 3 381.& 79n' Stalemem Date EM MINEES CARD STATER1ENT 02A0109 -03708ADa '* Memgs you acoauntonu lr Ordmum Payment: $1811.00 wwrw a,ss. ??? Payment Due Daft: 001120109 Addithmel contact Infemwtion ACCOUNT SUMMARY MASTERCARD Account Number: 5992 5098 1533 84 mnvereantty, teceod an r.e.rs. ed. Previous Balance $5,852.89 Told Credit Late $6,000 Payment Credits 4194.00 Available Credit $146 Purchases, Cash. Debits .$71.52 Cash Aries Line $1.200 Finance Charges +$123.13 Available for Cash $149 New Balance 5,853.54 PREMIER CASH REBATE POINT SUMMARY Previous Rebate Point Balance 2,769 Bonus Re' Points 37 Bass Raters Paints on all Purchases 72 Rebate Earnings torfsned this morph 0 New Reban Point Balance I. 873 Rebates to e3pfre on statement dale in July 2010 Remember you earn one poira for al your purchases plus an addificnal two points for aorarnon business purdhaws. Common buafnes purdnases Include purchases made at gas ststlona, herdWare stores, horse i nprovamera Worse. office supply gores and reslanuaas. ACCOUNT ACTIVITY Date of Tmrsecfon Merchant Name or Transscion Description $Amount 02/26 Payment - Tank You -194.00 02ma YONAGE •PRICE.TAXES 666-2434357 NJ 20.15 02/13 HSBC'CREDRKEEPER 8664976054 VA OAS 0?/19 CRYSTAL ART SOFTWARE A FREDRIKNERG DNK 2.99 02rA DOMINO'S PIZZA #0617177634100 PA 18.48 03/05 NEWSHOSTING 407-249.2221 FL 19.95 ALEKSANDR A MIKLLISH TRANSACTIONS THIS CYCLE (CARD 6467) $-122.48 INCLUDING PAYMENTS RECEIVED IF114ANCE CHARGES Finance Charge Transaction Daly Penodie Role Corresp. Average Dally Due To Fee/ Accumulated FINANCE Category 28 days in cycle APR Balance Periodic Rata Service Charge Fin Charge CHARGES Purchases V .07463% 2724% $5,890.74 $123.10 $0.00 $0.00 $123.10 Cash advances V.07463% 27.24% $1.31 $0.03 $0.00 $0.00 50.03 Tots finance charges $123.13 EfleeOve Annual Percentage Rant (APR): 27.24% Plesse sass information About Your Arscud section for balance compuna6on method, grace period, and otter Important Information. The Careeporttarg APR is the rats of Wdweal you pay when you carry a balance on any transaction category. The E/6civeAPR repreaeme your told franca charges - including transaction bee such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS View up to 6 years of your statement history oni ns. Get sate and am access to your current satennent You /an even saw your daarwas for ol6rle viewing In PDF lofmal. Mart wonv c ase.comebusiraagnte today b aWfich to paperles statements. 8576649 This Statement Is a Facsimile - Not an original x OeO W3177Faa?%/aa see N Z as o"ace Pgel tll =05 -DA a+erY Den GdemoooeWAeh 26 of 47 Payment Due Date New Balance Past Due Amount Minimum Payment 1 W2M? 1 E6,167.90 5181.00 1591.90 Acccoud--mtmberJ : 5582 50861533 8487 . Malin yew check Payable b: phase Card 7wvlcea. Planowriia err est endosW. Now address a wmai? Print on bark. 558250861533848700059190006157900000000 astemr z0emec Ire.ill.1..1..1.I..1..II...1.1....11r1.1... 11..1.1... 11.11..1 ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER SERVICE 26 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19888.5153 1:5000L60281: L6986L53384879l0 Statement Date. KININEW CARD STATEMENT 03109/09 - 0409109 g hM+^eea yew a«eura enaac haso MIrtmun Payment: $591.90 viaur, Payment Due Dab: 04P28A9 A"dwal contra bterandon nwmianay located on reveres side m fi82 5D661513 ACCOUNT SUMMARY YASTERCARD Account Number- 5 Previous Balance $5.85354 Total Credit Line 56.000 Purchases. Cash. Debits 41151.71 Available Credit $0 Finance Charges 41162.65 Cash Access Line $1.200 New Balance $6.157.90 Available to Cash s0 An overiimt tee was assessed when your account exceeded the established credit limit The now APR and promotion" rata woralion retected on Ilia al"smarm is a result of a 1899 Payment on your account. For your convenience, you can always pay online by aecasing our webehe displayed on this statamem. PREMIER CASH REBATE POINT SUMMARY Previous Rebate Pohl Balance 2676 Base Rebate Points on sit Purchases 74 Rebels Eamligs brbned this month 0 New Rebels Point Selene 2952 873 Rebates to more on stawnent data in July 2010 Remember you earn one point tot at your purchases pus an additional two points for calrnan business purchases. Common businesepvduses imhtde purdsss made at gee stations. hardware stares, hone itnprovemet stores, ottice supply storee and restaurants. ACCOUNT A Date of Transacton CTIVITY Merchant Name or Transaction Description $Amarn 03110 VONAGE'PRICE.7AXES 066-2434357 NJ 40.82 03113 HSBC'CREDRKEEPER 8664976054 VA 9.95 03120 CRYSTAL ART SOFTWARE A FREDRIKSBERG DNK 2.98 03129 LATE FEE 39.00 04/05 NEWSHOSTIN0407-249-2221 FL 19.95 04/09 OVERLIMIT FEE 39.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 840n $151.71 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finence Charge Trerroaclon Daily Periodic Rea Cmeep. Average Daly cue To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rata Service Charge Fn Charge CHARGES Purchases V .08216% 29.99% $5.992.06 $152.62 $0.00 $0.00 $IS2.62 Cash advances V.08216% 29.99% $1.34 $0.03 $0.00 $0.00 $0.03 Total tna ce charges $152.65 EtfeelNe Moral Percentage Raft (APif): 211.99% Please see Wormation About Yom Account section for balance computation method. gram period. and otnar Importan information The Corresponding APR is the rate o, interest you pay when you carry a balwo on any transaction category. The EtIactive APR represents you btal Lance darges - ncludiM transaction foss such as cash advance and balance transom loss - expressed as a pecemage. 1IMPORTANT NEWS Save Hinson employee reimbursements. Improve expanse VocIdng. Maintain control with individual spending limits. CM that unbe on the back of your $576649 card 10ay to request additarel errpoyee leads and take full advantage 0, your Chase Business Card account. This Statement Is a Facsimile - Not an odglllal e0a0W. Fa33331 C 1 000 N z ore errouca Pqe t 01 uses -OR teas OMf 0000n000'?)a0r R am 22 of 47 Payment Due Date New Balance Pmt Due Amount Mfnimun Payment 58.039.37 5138.00 (91197 AcQe?outd rttalttber 5582 50861533 1187 `Y IIMYe year Ufed pyablete: Chu Cvd 9nhrlcae. N-addreewont 9 Print t Newaddres+ Q a mH? On fled(. 558250861533848700031337006039370000007 sV36E:r z h3aroc ... I'll ... ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CAROMEMBER SERVICE 26 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19806-5153 I I I Ilnn..11...IL.1.L Ld.d.L.J LLL Ld.Ld.l 1: 5000 160 26i: 16986 i 5 3 3848 79tH Statement Date: at1SiNESS CARD STATEMENT 04Aa1D9. 05A70A9 H a Manageya.r-litenlina: Mfnlmun Payment- $31137 Payment Due Daft: 0512909 Additional oanta.a bferrre0an ACCOUNT SUMMARY MASTERCARD Aceaurt Number: Sim Sass 1Ins 04 ao w.:.nay (causal m reverse aid. Previous Balance $6.157.90 Total Credit Line $6.000 Payment Credits -$179.00 Avaiabte Credit $0 Finance Charges a$50.47 Cash Access Line $1.200 New Balance ,039.37 Avertable ter Cash $D Your account is dosed. Please continue to make monthly payments by the due dab until you balance is paid in full. P CASH REBATE POINT SUMMARY Previous Rebate Pohl Balance 2952 Bass Rebels Palms. on all Purchases 0 New Rebel* Point Balance 0 Rebate Earnings unavailable for redemption 2.952 873 Rebates to expire on statement date in July 2010 Remember you eem one pols for at you purchases plus an additional swo points for common business purcaeea Common business purchases Indude purchases made at gas stations. hardware stores, horns improvement stores. office supply atones and reste crams. ACCOUNT ACTNffY Date 01 Transaction Merchant Name or Transaction Desorption S Amount o424 Ovedknit Fee Revered -39.00 05/01 Payment - Th r k You -140.00 ALEKSANOR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8987) S-179.00 INCLUDING PAYMENTS RECEIVED FlNANCECHARGES Finance Charge Transaction Daly Periodic ROro Corrmp. Average Daily Due To Fee! Axturnlaled FINANCE Category 30 days in cycle APR Balance Periodic Rata Servtes Charge Fin Charge CHARGES Purctasea .03280% 12.00% $6.129.07 $60.46 $0.00 $0.00 $60.46 Cash advances .032aa% 12.oo% $1.36 $0.01 50.00 50.00 $0.01 Total manna charges 560.47 Ettectlve Annual Percentage Rate (APR): 12009- Please sae Information About You Aoeoud section for balance computation method. gmice period, and other important information. The Correspondiing APR is the mite of interest you pay when you a" a balance on any transaction category. The Etbdrm APR repraaerts your total fnence charges -including trshmmon leas such as cash advance and balance tender ism - expressed as a paroentage. 8576649 This Statement Is a Facsimile - Not an original 0000001 F1833106Ct 000 M Z Oct e506ee POar dt D1eM wM 537se tmhoonmoo0e37mm X 0300 20 of 47 Payme d Due Dab Now Balance Past Due Amount Minlm,rn Paytttant u.9ez.91 a13s.oo azuoo Aeeotmt number. 5582 SORE TSH3 8407 . Make your cheek payable to: Chase Card !-does. Pleeseveis amaet enclosed. New address or e-meti? Print M b. X. 558250861533848700027400005962910000007 er 110 sex z 15"c I...III.I..I,.1.1..1..11«.I.f....li.l.l...I1..1.1...11..11..1 ALEKSANDR A MIKLUSH BUSINESS ACCOUNT- CARDMEMBER SERVICE 28 RICHLAND LN APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 19886.5153 L..IIL..I IL««.IL..11..1.LL.L.IJ...ILLL L.LL. LI ,:50001,60281: i69861i53384879na Statement Dale. SMIE"CARD sTATEMENT 05109/09-06/0809 BM.mgeyour.oeeunteelne: Minimum Payment: $274.00 Payment Due Dab: 06/2009 Additional contact Mematlan ,...r?.kur c..sesaa ev ee....- ......... ............ .-----..---. conveniently located on reverse side Previous Balance $6.039.37 Total Credit Line $6.000 Payment. Credits -$138.00 Avolable Credit $37 Finance Charges +$61.64 Cash Access Line $1.200 New Balance ,062,9Avolablelor Cash $0 Your acooml is dosed. Please continue to make monthly, payments by the due dale until your balance is paid in hill. PREMIER CASH REBATE POI SUtANIARY Previous Rebels Point Balance 0 Base Roberts Points on ail Purchases 0 New Rebels Point Balance 0 Rebels Earnings unavailable for redemption 2,952 873 Rebates to 93pre on statenrad deb in July 2010 Remanber you earn one point for all your purchases pus an additional wo points for coninion business purdiams. Common business purchases include pure asea made at gas stations. hardware stores. home ynprovernenn stores. office supply atom and restaurants. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description a Amara 06102 Payment - Thank You .138.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) 5138.00 INCLUDING PAYMENTS RECEIVED IFINANCECHARGES Finance Charge Transaction Daly Periodic Rae Cerresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in Cycle APR Balance Periodic Role Service Charge Fin Charge CHARGES Purdssen .03288% 12.00% $6,036.66 $61.53 $0.00 $0.00 $51.53 Cash advances .03286% 12.00% $1.37 $0.01 $0.00 $0.00 $0.01 Taal finance Barges $61.54 EffeetNe Annual Percentage Rafe (APR): 12.00% Please see kdomation About Yom Amours section lor balance conpulaion matMd, gram period, and other important inbnation The CorreepondFg APR is the rate of interest you pay when you carry a balance on any tmnsecfon category. The Etlect!W APR represents your local isrhee charges - hcludlnty transaction fees such m cash advance and balance Vander less - expressed as a perconlage. IMPORTANT NEWS Celebrate Our Biggest FREE Nights Offer! Slay any 2 right, than ersoy a FREE right al pr9dpat!ng hotab, induduhg InarContinertsr. Crowns Plaza, Holiday hn and Holiday Ise Eup m& 8576649 This Statement Is a Facsimile - Not an original 0000001 FeSV.Ct we e z 06 owame P.O.r sir USING eaM stno 15er 0000010a0er ADp z03130 18 of 47 Psymttd Due Data New Balance Past Duo, Amount Minimum Payment EdfiJ8/09 $8,022.01 5274.00 543401 Account nutnber: 5582 508815338487 W - Make your check payable te: Chase Card Services, Pleas9 uwke emourht 4ndos9d. New addren a -19 Print on back. 556250861533848700043401006022010000009 4 eex zteamC ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 I...111...I1I......11...III. LLL.1..1.1...11.1.1.1..1.11.111 1...111.1..1..1. i..I..II...I.I....II.i.1...11..1.1...11..11..1 CARDMEMSER SERVICE PO BOX 15153 WILMINGTON DE 18586-5153 1: 5000 1.60 261: L 6986 L 5 3 38 t.8 7911• 8576649 Statement Date: SUEINESSCARD BTATEMENT 06MOM9 - 071011/09 g MYtayeya.taaccuid dine,, Minimum Paymllnt: 5434.01 v aw.enaa m,n2>La...s..,..?. Payment Due Dahl: 07J291019 AdNaatal ooMeet kaornaaen ACCOUNTSUMMARY MASTERCARDAceoutt Number: 558250881533 con-iwdyl«sfMm avarsaids Previous Solstice $5.962.61 Tonal Credo Line $6.000 Finance Charges +11159.10 Available Credit $0 New Balance 6,022.01 Cash Access Line $1,200 Available for Cads $0 Your business credit card account is past due. Please send payment immediately. Call 1.888-549{,881 (collect 1-302-5944200) today. Your amount is dosed. Meese contlnue to make monthly payments by the due date unit your balance is pad in full. PREMIER CASH REBATE POINT SUMMARY Previous Rebate Point Balance 0 Base Rebate Poona on all Purchases 0 New Rebels Point Balance 0 Rebate Earnings unavailable for redenpion 2,952 873 Rebates to mire on slalement date in July 2010 Remember you earn one paint for all your purchases plus an additional two points for common business purchases, Common business purchases include purchases made at gas stations. hardware saes. horse improvement stores. office supply dares and restaurants - FINANCE CHARGES Rnenee Charge Transaction Daly Periodic Rate Conesp. Average Dally Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Belem& Periodic Rate Service Charge Fin Charge CHARGES Purchase" .032811% 12.00% $5,990.05 $59.09 $000 $0.00 $50.00 Cash advances .03289% 12.00% $1.38 $0.01 $0.00 $0.00 $0.01 Total finance cargos $59.10 Efleetlve Annual Porcontage Raft (APR): 12.00% Pleura see Intonation About Yom Account section for balance computation method, grace period, and other important irdormetion The Correspondrg APR is the tats of interest you pay when you carry a balance on arty transaction category. The Et%ctive APR represents your told Dance dirges- ildudirg transaction fees such as cash advance and balance transfer lees - expressed as a percentage. This Stateniient Is a Facsimile - Not an original 0000001 Fa33=Cl 000 M z oil 09iWAe Pget all Oeeee MDA 44629 lmcoomn 652 e. X WA 16 of 47 Payment tDue Date New Balance Past Due Amount MlnImurrr Payrnant L Oa/?us 1 ES.e45.i4 5274.00 511200 Acerylc.courR?numbsr. 5582 50861533 8487 W wane 1'eur check payable to: Chase card aervlrn. Pkesetwse amount enclosed. Now add- or e-mae? Print on bad. 556250861533848700041200005945140000007 71-00 SEX z a00ec I.r.ill.I..l. r1.1.rl..Il.r.1.1....11.1.1...1{r ri.l.r.llr.llr.l ALEKSANDR A MIKLUSH BUSINESS ACCOUNT - 2B RICHLAND LN APT 206 GARDMEMBER SERVtt:E 153 CAMP HILL PA 17011-2421 PO BOX 15 WILMINGTON DE 19886-5153 Irrdlirrrillrrrrrdlro{LJ1LIr1LJdo.ILIdrLJdrrL1 1:50ODL60281: L6986L53384879na Statement Date: OMMEM CARD STATEMENT 07'9'9.OB/OMb9 a laugye year amountonilne: Minimum Payment: $112011 Payment Due Date: 08!28'9 Additional mrsaa Intametlon ACCOUNT SUMMARY MASTERCARD Amount Number: 5582 5096 1533 84 mnvwianrly lecaavd on raw m acv previous saw" $6.022.01 Told Credit Line $6.000 Payrnem. Credits -$138.00 Available Credit $54 Finance Charges 0$61.13 Cash Aeoese Lire $1,200 New Balance ,g ,1 Available for Cash $D Your business credit card account is past due. Please send payment immediately. Cell 1-8ae-6496ae1 (collect 1-302-594-0200) today. Your accouhl is dosed. Please coninue to mane monthly payments by the due date until your balance is pad in full. PREMIER CASH REBATE POINT SUMMARY Previous Roberts, Point Balance 0 Bass Rebate Pants on all Purchases 0 New Rebels Point Balance 0 Rernember you cam one point for at you purchases plus an additional two points for cortrnan business purchases. Cmrnan business purchases include purchases nmde at gas slsttona, hardware alorea, home mprovemem stores, olhee supply stores and restaurants. ACCOUNT ACTIV(7Y Date of Transaction Merchant Name or Transaction Description $Amourd 07/28 Payment - Ttark You -138.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $738.00 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Transaction Defy Periodic Rafe Corresp. Average Daily Due To Fee ) Acoun med FINANCE Category 31 days in cycle APR Balance Periodic Role Service Charge Fin Charge CHARGES Purchases .03289% 12.00% $5.996.e7 $61.12 $0.00 50.00 s61.12 Cash advances .03288% 12.00% $1.30 $0.01 $0.00 $O-W $0.01 Total finance charges $61.13 Effective Annual Pereariage Rate (APR): 1200% Please sae lydommtion About Your Aoeourd section for balance eornputalfan r"Inod. grace period- and oher important information. The Corresponding APR is he rats of iniereal you pay when you carry a balance on any Inumaction category. The Etbclive APR represents your total tirmnce, Merges - ihditdfrg Inmesation fees such as cash advance and balance transfer fees - expressed as a percentage. 8576649 This Statement Is a Facsimile - Nei an Original 000p1 F18333mci Om a 2 05 obowas P19a1 e1 05M a Dh nano 2111000M000714e00/ Rm Mos 14 of 47 Payment Due Date New Balance past Due Amount Minimum Payment Cg8R6/6.? $5,867.49 $274.00 (41200 Account number: 5582 r 1533 &187 Make year check psybte to: Chase Card 9arvlm. amountenclosed. Flew addrara Of rmai? Print on tad[. 5582508615338487000412000058674900000000U000006 Oslo BDt L 25101 c ALEKSANOR A MIKLUSH NESS ACCOUNT BUSI 2B RICEN O LN APT 208 CAMP HILL PA 17011-2421 Ir.nllllhn111.r..r.IL..i1r.IrIrL.Irni.Lr.II,Ir1,LrLIIJ.I CAROMEMBER SERVIC= PO BOX 15153 WILMINGTON DE 198SC-5153 n:5000L60281: L6986L53384879aa 8576649 Statement Data. RMNESS CARD STATEMENT 08!09108-0910WO B ataeyeyour-ritondw Minimum Payment: $412.00 Payment Due Data: 09426" Additional contact Infaxmallen convsrianaly located on reverse side ACCOUNT SUMMARY AcoountNurIIIer: S582SMS1533946 Previous Balance 55,945.14 Total Credit Line $6.000 Payment Credits -$138.00 Avetable Credit $132 Finance Charges -$6035 Cash Access line $1.200 New8alance $5.86749 Available for Cash $0 Your business credit card account is past due. Please said payment immedincy. Call 1-685-540-6881 (collect 1-302-594-0200) today. Your accent is dosed. Please confine to make monanly payments by the due We until your balance is pad in full. PREMIER CASH REBATE POINT SUMMARY Previous Rebeu Point Balance 0 Yodre on your way! Rewards start m 1.600 8asa Rebeb Points on all Purchases 0 0 points - get gift cards now or save W Mail c asetlillmanager.oom to sal up sulomalc www Nor Rebels Point Balance . payments for your recurring bills - never mss a payment and aam more rawardal Earn 3 points on all eligible purchases made at gas stations, restaurants. home improvement a hardware stores. and office anpply stores. Earn 1 P. per $1 spent on all oho purchases wih no limits or caps. You can also earn up to to points per dollar spat when you make online business purchases at hundreds of leading merchants. Visit vwew.dhaeaawardaplue com to see our Current offers. ACCOUNT ACTIVITY Data of Transeelon Marctard Name or Transaction Description $ ktou oar" Payment - Tha it You -138.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $-138.00 INCLUDING PAYMENTS RECEIVED FINANCE CHARGES Finance Charge Transaction Daly Periodic Rste Corresp. Average Daily Due To Fea7 Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rata Serwes Charge Fin Charge CHARGES Purchases .03288% 12.00% $5.919.61 Cash advaKes .03288% 12.00% $1.40 Total finance charges Effeed" Annual Percentage Rub (APR): 12.00% $60.34 $000 $0.00 $60.34 so-01 $0.00 $0.00 $0.01 $60.35 Please we IntonneWn About Your Aoceunt section for balance conptdlalion method. grace period. and ohm important intommton The Corresponding APR is the take of Intsrest You pay whsn You cemy a balance on any transaction category. The Efbctive APR repmee is your told finance dargas - kKkx rg iransaCtron fees such as cast advance and balance transfer fees - expressed as a percentage. 1tMPORTANT NEWS Sava time on employee reimbursements. Improve expense tracking. Mainaln control nth individual sparkling limits. Call the number on he beds of your card today b request additional employee cards and take full adianlage of your Chase Business Card account. This Statement Is a Facsimile - Not an original aMea 0000001 F0Q1&31eC1 coo N Z as Comm Praaf oft atass Wan Oaalo 2M 10000111 X oste 12 of 47 Payment Der Data New Balance Past Due Amount Mirtmum payment 10!27/01, $6,78$.24 110.00 1113600 AecwlrA rwat?er: 5582 50861 Si3 8487 . Clan, Card 9w ces. t1,: Pkesewrie errovnten.lo-d. New address or .-mea? Print on badr. 55825086153384870001380000578524000000000000001 .70.3amxnowc 1...111.1..1..1.1..1..11...1.1....11.1.1...11..1.1...11..11..1 ALEKSANDR A MIKLUSH ACCOUNT CARDMEMBER SERVICE HLAND l.?1 APT 208 PO BOX 15153 CAMP HILL PA 17011-2421 WILMINGTON DE 1988 6-5 1 53 1:S??OL6?281: L6986L533aL.a79]1* s Statement Date: 09109/Da - 10107109 Il ,year.-sentonane: from CHASE Q www eh.ae rani k "nimum Payment: :138.00 Payment Due Dais: 10177/01, ACCOUNT SUMMARY Additional mmact k.fer d an Account Number: 5597 501,6 1533 000 con."ontly Wooled on reverse side Previous Balance $6.867.40 Total Credo Una $8.000 Payment Credits -$136.00 Aveiabs Credil $214 Finance Charges +$55.75 Cash Access Lino $1,200 Now Bslenca ,785.24 Avaiable for Cash $214 Your account is dosed. Please continue to make montHy payments by the due data until your balance is paid in full. INK CASH POINT SUMMARY Previous Points Balance 0 Rewards start at 1,500 point for Base Points on am Purchases 0 gilt CWda Or get 1150 Cash back with Point ; Earned through Chase Rewards Plus 0 5,000 points. Earnmore rewards New Paint Balance NOW 0 when you set up automatic payments for your rearming bills - visit www.c hambillma ager.cen. Earn 3 points on all eligible purchases made at gas stations, restaurants, home improvement a hardware Mores, and office supply storm. Earn 1 p. Par $1 spent on all other purchases win no "Is or caps. YOU can also Sam up to 10 points per dollar spent when you make online business purchases at hundreds of leading merchants. Visit www.dreswowwdq*n.com to see our current offers. ACCOUNT AC Y Date of Tnansecfon Merchant Name or Transaction Description $ Amount 04128 Payment - Thank You -138.00 ALE KSANDR A MIKLLISH TRANSACTION$ THIS CYCLE (CARD $487) .$138.00 INCLUDING PAYMENTS RECEIVED FlNANCECHARGES A- Charge Transaction Daly Periodic Role Correap. Average Deny Duo To Fee/ Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Role Service Charge Fln Charge CHARGES Purchases .03288% 12.00% $5,845.49 $65.74 $0.00 $0.00 355.74 Cash advances .03288% 12.00% $1.41 $0.01 $0.00 $0.00 $0.01 Total finance charges $55.75 ENsethre Annual Percentage Rats (APR): 12.009E Poems 1,m IntormaiDn About Your Account section for balance corrylAMion method, grace period. and offs important imonrallon The Cormsponding APR is the rats of infsrasf you pay when you carry s balance on shy transaction category. The Etlactive APR repassms yotr total finance charges - including transaction tee sari as cash advance arts balance transfer fins - expressed as a percentage- 8576649 This Statement Is a Facstmlle - Not an orlgtnal 0000001 F93321SC. 000 N z o1, O.I10107 Py.1dh mesa -DA -?D13 r 10110oOn00e70r.101 R? 10 of 47 Payment Due Date New Balance Past Due Amount Minimum Payment 11/2lIOt 56.7117.60 SDAO 513000 Accwad nienfoer: 5582 SO80 533 3,111117 Mate your eked gya6leb: t9.aw Card 9enriwa rarrantandhsa e NoW Adddre slew as ter a-rrai? Print t on back s 55825086153384870001380000570788000000000000005 .idea ENU 20200 C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 200 CAMP HILL PA 17011-2421 L.dll.h.111.uu.11.u1L.L1.1u1nl.l...11.LL1.1h.1d I...Ill. I..i.11.1..i..11...1.1.... 11.1.1...11.11...1L.M.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19 60 6-51 53 i:5000i6028t: L6986L533811.879110 -a- S -nt Dale: 10/oSM9 00!09 11/03A9 H Mon.ga y.ur s-t online: (rent CNASEQ un w,dass comfink Minimum Payment: $730.00 Paymem Due Dais: 1712010! Addhimai contact ed.reat.n ACCOUNT SUMMARY Ac..dNumber: 5602 6000 7=Mi convniamlylocated on averseads Precious Balance $5,736.24 Total Credit tine $6,000 Payment Credits -5133. DO Available Credit $202 Finance Charges .$60.64 Cash Acoeas Line $1.200 New Balance ,707.03 Avalable for Cash $292 Your accent is dosed. Please eominue to make montily payments by the due date until your balance is paid in full. INK CASH POINT SUMMARY Previous Points Balance o Rewards start at 1,500 pouts for Base Points on all Purchases o gill ands or gat $5o cash back with Points Earned through Chase Rewards Plus 0 5,000 points. Earn more rewards New Point Balance 0 when you am up a tonalic payments for your recurring bile - visit www.dmmbOrtrenager.com. Earn 3 pokes on all ofigitle purdhesea made at gas stallions. restauram4 home imiprovement a hardware stores, and office supply stores. Earn 1 p. per $1 spent on all other purchases 1Nri no limils or caps. You can also earn Lip to 10 points, per dollar spent when you make online business purchases al hundreds of leading merchants. %rmh www.dhaserewsrdzplus.com to see our current oilers. [ACCOUNT ACTIVITY . Dateof Traroacaon McMham Name or Transacion Description S Amount 10/26 Paymem-Thank YOU -136.00 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 6467) -$136.00 INCLUDING PAYMENTS RECEIVED Fl NANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corrasp. Average Deily Due To Fee! Accurnialed FINANCE Category 32 days in cycle APR Balance Periodic Rate SaMce Charge Fin Charge CHARGES Purdlaees .03266% 12.00% $5.761.56 $50.62 $0,00 $0.00 $60.62 Cash advances .03266% 12.00% $1.42 $0.02 SO 00 $0.00 $0.02 Total finance charges $60.64 Effective Amaual Parcadaga Rata (APR): 12.009L Please aes Information About Your Aamni section for balance conhpunation method, grace period, and otter important information The Corresp.omdng APR is the rate of interest you pay when you carry a balance on any tren sockon category. The Etladive APR represents your total tlrance charges - iWudi ng transaction lees afdh as (ash advance and balance Pander teas - sWeeaed as a percentage. IMPORTANT NEWS Save *no on errployae reirrnbursemeros. Improve etpartee irac king. Maintain contoi vtitn individual spending lirdta Cat to number on are bads of your Card today to request additional empoyee cads and take full advantage of your Chase Business Cad account. 8576649 This Statement Is a Facsimile - Not an original OOCOreI F1933204 CI 000 N 2 oe an/ae Pha.l as sans MROa47dey M2400000OW4738M z am 8 of 47 Payrmrn Due Dale New Balance Past Due Amount Minimum Payment E121JB/09 55,764.46 5736.00 S2Ta00 Accotmt number 5582 5083 193 3487 . Make your checkpeyade to: Chase Card lwfees. Plaasswrits emolnt andosad. Nsw address or a-mal? Print on back 55825086153384870002760000576445000000000000006 3.x1. col z 3uaac ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 29 RICHLAND LN APT 206 CAMP HILL PA 17011-2421 I...III...III...... IL.,11..1.1.6d..16.,11dJrL.LInLi 1.,.III.1..1.,1.1..1..11...I.I....II,I.I i..11..i.l...l l,.li..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19056-5153 f:500OL60261: L69861533B487911a SlaMment Data: r 11/09/09 -12/05109 lYn.g. ye-.kxeunt anon: leoneLChaumm0ok from CHASE() Minimum Payreern: $276.00 Paymera Due Dale: 12rAMO 8576649 A"d.nel e.ftot lnf.readon ACCOUNT SUMMARY Aewull Nuntw: 5662SOBS 153164 coaxal.rrtlylocirdenne rsande Previous Balance $5,707.66 Total Credit Una $6.000 Finance Charges 466.57 Available Credit $235 New Balance ,761.45 Cash Ace mLine $7,200 Avallatletor Cash $0 Your Bocanl is dosed. Please Conkwe to make momNy payments by she due dale until your balance is paid in full. INK CASH POINT SUMMARY Prerfous Point Balance 0 Rewards steel el 1,500 poirrh for Base Polls an all Purchase 0 gill cards or gel $50 cash back with Paints Earned trough Chase Rewards Plus 0 SAW points. Eam more rewards New Point Balance 0 when you sal up auomdie paymams for your reaming bits - visit www.diaaob inmrmgor.corn. Earn 3 points on all eligible purchases made at gas station& restaurants. home improvement a hardware awes. and office soppy, stores. Earn 1 p. per $1 spare on all other purchases with no smib or caps- You can also earn up to 10 points par dollar epam when you make orilme busihsas p Achases al hundreds of leading merchmis. Yhsit www.dheserewardapw.cern to see our arrant otters. FINANCE CHARGES Finance Charge Transaction Daly Periodic Rile Corresp. Average Daily Due TO Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Senesce Charge Fin Charge CHARGES Purchases .03288% 12.OD% $5,733.74 $56.56 $0.00 $0.00 $56.56 Cash advances .03288% 12.00% $1.44 $0.01 $0.00 $0.00 $0.01 Total finance charges 556.57 Effective Annual Parcarnage Rob (APR): 12.00% Please sea Information About You Aecoum section for balance computation method. grace period, and other important information The Corresponding APR is the raw of interest you pay when you carry a below@ on any transaction category. The Etledive APR repiessraa you total franca charges - ihduding Yansacl'ion fees such as cash advance and balance transfer lees - expressed as a percentage. This Slatement Is a Facsimile - Not an original 0000001 FISffiVeCt 000 N z es ow.xoa Pg.tdi ateae W0. 34n4 34M000001000e4n40r Row 6 of 47 Payment We Data New Balance Pawl Due Amami Minimum Payma„ 0//2L10 $5,545.67 50.00 $17a00 Accotsrtt numE e,r 5582 5088 1533 8487 - Mate year che<a payable te: Case Card Sonrlces. PYasewras amount enclosed. Nw address a o-mail? Print on bad.. 55825086153384870001380000554567000000000000008 .110568EC zaf 0 c I'll Ill. i..1..1.I.J..Ii...1.1.... 11.1.1...II..I.I...Ii..11..1 ALEKSANDR A MIKLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 RICHLAND LN APT 20a PO BOX 15153 CAMP HILL PA 170)11.2421 WILMINGTON DE 16986-5153 t:500D 160 281: 16986 1 5 3 38b87911a r Statement Data. 12109M -01/08/10 g fianageyourocccurdonan.e: loc f.. CHAASE0 htnallt?{Sa ml?mk Mnkn m Payment: $138.00 Payment Due Dab: ot/2mo Additional eemact hdom atlan ACCOUNT SUMMARY Acmunl Number: 5582 5086 1591 648 con.."nity 1-.td on roverse sid. Previous Balance $5,764.45 Total Cress Une $6,000 Paymant Credit -$276.00 Available, Credit $454 Finance Charges •$57.22 Cash Acoaa Line $1,200 Nw Balance 5,545.67 Available for Cash $454 Your account is dosed. Please coninue to make morally Payments by the due dab unlit your balance is paid in lull. INK CASH POINT SUMMARY Previous Points 9alance 0 Rewards apart at 1,500 points br Base Ponta an all Purchases 0 gift cards or gel $50 cash back with Points Earned through Chase Rewards Plus 0 5,000 points. Earn more rewards Now Para Balance 0 when you eel alp automali : payments for your recrring bills - visit www.cha$oUllnmager.com. Earn 3 points on all eligible purchases made at gas stalio ns. restarrems, home Improvement a hardware stores, and office supply stores Earn 1 p. par $1 spent on ON other purchases with no "is or caps. You can also earn up to 10 points per dollar spent when you make online business purchawa st hundreds of leading mardronts. Ysil www.chaserewadapks.com fo tee our arrem oifera. A UNT ACTIVrrY Date of Transecfon Merchant Name or Transaction Daw"ion $Amotni 12112 Paynsnt - Thank You -138.00 12/28 Payment - Thank You -138.00 ALEKSANDR A MIKLUSH TRANSAC71ONS THIS CYCLE (CARD 8487) -$275.00 INCLUDING PAYMENTS RECEIVED FlNANCECHARGES Finance Charge Tmnsacion Daly Periodic Rate Cor osp. Average Deily Due To Fee/ Accumulated FINANCE Category 31 days In cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases .032aa% 12.00% $5,612.78 $57.21 . $0.00 $0.00 $57.21 Cash advances 03288% 12.00% $1.45 SG.-OT $0.00 $0.00 $0.01 Total finance charges $57.22 Eflactre Amaral Pen:antage Rob (APFQ: 12.00% Please sea Irdonnation About Your Account section nor balance compute w m attrod, grace period, and other important irdoralbn. The Comosponding APR is the rat of interact you pay when you carry a balance on any trensacton category. The Ef edive APR repraseras your total truant charges - including transaction lees such as cash advance and balance Pander left - expreased as a percentage. IMPORTANT NEWS Tfy Ta ftTax Free Edison for your simple ref urn or Gal a 35 percent Discount on TudloTex Online Federal Product. visit chase corrillaxes 8576649 This Statement Is a Facsimile - Not an original ODOM FIS33M C1 000 N Z DO Iomm P.D.t di claw M. M.PpJ3 o0al ka000fOD0.e/301 X 0200 4 of 47 Payment Due Date New Balance Past Due Amount Minimum Payment ly2rmrfo E5.4ea.a3 fo.oo $136.00 Accourti nuetlber: 5682 SORB 1533 &187 U.Ift ch yourchook oss. etc: la..ee Isar. 5-lrrlwa. Plessevrse smantendosed. Nov address a .mat? Print on bark, 55825086153384870001380000546443000000000000004 3224091 EX ALEKSANDR A k6KLUSH BUSINESS ACCOUNT CARDMEMBER SERVICE 28 RICHlANO LN APT 206 PO BOX 15153 CAMP HILL PA 17011-2'421 WILMINGTON DE 19606-5153 1..111...111...11.1 LAI..I.I. L.L.I 11AI.66I..I.I.J.1 P:5000460281: 4 6986 L 5 3 3848 7911• H twm2e your account arWrhe: Additional seated Info.- from CHASE Q bpppy, q- k ccmemanay lonroe on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: SSMW0615339497 New Balance $5,454.43 Previous Balance $5.545.67 Payment Due Dale 02128170 Payment, Credits 413800 Atnmum Payrtwnt Due $138.00 Interest Charges .$56.76 Late Payment Warning: h we do not receive your nsnmum New Balance $6.464.43 payment by the due dale, you may have to pay up to a $39 late tae. Mlnimurn Payment Warning: Enroll in Auto-Pay and avoid Opens goosing Dale 01/09110 - 02108170 missing a payrrett To ervo8, cell the ribber on the beck of your Total Credit Une WOW card or go to the web site listed above. Available Credit $535 , Cash Access Line $1,200 Available fa Cash $535 Your amount is dosed. Please eoninue to make monthly payments by the due date until your balance is pad in 1WI INK CASH POINT SUMMARY Previous Points Balance 0 Rewards ideal x11,500 points for Base Points on all Purchases 0 gift cards or get $50 cash bads will Points Earned through Chase Rewards Plus 0 5,000 points. Earn more rewards Now Point Balance 0 when you set up auaomalie payments for your recurring bits - visit www.chasebilirrainager corn. Earn 3 points on all eligible purchases made at gas stations, reataurem4 horns improvement 8 hardware stores, and office supply stores. Earn 1 pl. per $1 spent on as other purchesss will no lirrib or ceps. You can also earn up to 10 points per doll. spent when you make online business purchases at hundreds of leading merchants. Yish www.dheserewardsplus.com to see our current offers ACCOUNT ACTNfTY Date of Transaction Merchant Nana or Transaction Deaaiption $ Amount 02108 Payment - Thant You -136.00 02/06 PURCHASE *INTEREST CHARGE' 56.75 02M CASH ' INTEREST CHARGE' 01 ALEKSANDRA MIKLUSH TRANSACTIONS THIS CYCLE (CARD 0407) -$81.24 INCLUDING PAYMENTS RECEIVED 0.17" .W, a-?.. are. \ :i? iOai.?lC ... Total tees charged in 2010 $0.00 Total imerem charged in 2010 $56.76 Year-to-dale lolels reflect at charges minus any refunds applied to your account on or after January 31, 2010- IINTEREW C HARGES Tar Miafl eeom"e Rao (APBIis the annual Interest roe on your account. Annual Balance Accrued Balance Percentage Rata (APR) Subject To Interest Merest Type 31 Days In Cycle fnteroat R.s Charges Charges Purdueass 12.00% ¢5,567.17 056.75 $0.00 Cash Advances 12.00% $7.46 $0.01 $0.00 8576649 Please am Information About Your Arnaud section ter the Calculation of Balance Sutieel to Interest Rate. Amaral Renewal Notice, How to /void Interest on Purchases, and other important Information. as afTficat le. This Statement Is a Facsimile - Not an original 0000002 FM33MCI Wo N 2 as 10=06 Mg./d2 030ee WW 3010 Osar Oooero000e2mm XM ONS144W 44 of 47 Statemetv Data: 01/00110 - 02101VID Ao=rn Number: 5582 5086 1533 9497 Face 2 of 2 IMPORTANT NEWS Save lime on employee reimbursements. Improve etgtenee tnadury. hAeintsin control wth in6vidual apandng limits. Call the number on the beck of your card today to request additional employee cards and lake full advantage of your Chase Business Card accourn 8576649 This Statement Is a Facslmlle - Not an orlgirmil z aoooaoz raasaeec1 We Al z ae taoaae rge2e2 saris sua aeala camoommmo3ga4 z 46 of 47 Payment Ow Date Now Balance Pap Due Amount Mlydmum Payment 03128/10 85.376.55 80.00 8138.00 Aceourt ntrttlmae: 5382 £i0B6 7533 8+187 hlah your chock payablcto. Chas Cara 5ev' - Plesewrila arno nt oncos.d. New address o emaa? Pnnt.n had,. 55825086153384870001380000537655000000000000001 on, shazooloc ALENSANOR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 L. r 111, , , I I L, r , r.l 6..11,.1 r I, L, L. L L,.I L L L L. L L J.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19086-5153 1:5000L60281: L6986L53381.87911e r H s\asge yew account ar,Nrho: AddWmnl -tact I formed" from CHASED wove cease mrmw,k canwriiendy located on raves. aids ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 5502 5066 1533 9467 New Balance 85.376.55 Previous Balance 85.464.43 Poymenl Due Date 03128/10 Payment Credits A13800 Minimum Payment Due $138.00 InNmot Charged aS50.12 New Balance 85,376.55 OpeninplClosing Date 02109110 - 03100/10 Total Credit Line 86,000 Available Credit $623 Cash Access Line $1.200 Availabe for Cash 8623 Late Payment Warning: It we do not receive your minimum psymem by the due date, you may have to pay up 10 a 839 fete be. Unlmum Payment Warning: Enroll in Auto-Psy and avoid missing a psytent To enroll, call the number on fie back of your card or go to the walk she listed above. Your account is dosed. Pleas coninue to make monthly payments by the due data until your balance is paid in full. INK CASfff POINT SUMMARY Previous Paints Balance 0 Rewards start at 1,500 points for Bess Points an all Purchases 0 gift cards or 001850 cash back with Paints Earned through Chess Rewards Plum 0 5,000 points. Eam more rewards New Point Balance 0 when you set up automatic payments tw your recurring bills - visit www.dssebkm nager.com - Earn 3 poems on all eligible purchases made at gas stations, restaurants, horns Improve nenl 8 hardware stores. and otfice supply stns. Earn 1 p1. pe 81 spend on all other purchases with no limits or caps You can also can up to 10 points par dollar spent when you make online business pure hases at hundreds o11eadng macants Vsitwww.dhaserewanispls.c om to see our Current aters. ACCOUNT ACTIVffY Date of Transaction Merchant Nerve or Transaction DowApton S Amount 02128 Payment - Thank You -138.00 03MO PURCHASE INTEREST CHARGE 50.11 0305 CASH ADVANCE INTEREST CHARGE .01 At.ENSANDR A MOCLUSH TRANSACTIONS THIS CYCLE (CARD 8487) -887.88 INCLUDING PAYMENTS RECEIVED ote) two charged in 2010 80.00 rT o tal interest charged in 2010 St 06.88 T Yes-to-dale lards reflect all charges minus any rdunde appled to your account on or aka January 31. 2010. 8576649 INTEREST CaES •601'- o,_ (APR) is Sm annual interest roe on your account. Annual Balance Accrued Balance Percentage Rats (APR) Subject To Interest Interest Type 28 Days in Cycle InIs. Rah Charges Charges Purchases 12.00% $5,44227 860.11 80.00 Cash Advances 12.11094 $1.47 $0.01 80.00 Please sse Idomms! n About Your Ao murd scion to lha Calculation of Balance Sutiect to Into" Ras, Annual Renewal Nonce, How to Avoid Inteest on Purclirses, end other Important tniomation, as appecade. This Statement Is a Fmmhdie - Not an original 0000001 F?Cr We N 2 as locewe Prg.1 d2 05M MM O 0 o07i0000eo00oee00h z stM 40 of 47 StalarnM Dale. 07/09110 - 03/08/10 Account Number: 5582 5096 1533 8497 Pape 2 of 2 IMPORTANT NEWS Save Ume on employee reinburaemens. Improve erpanne traddrg. MaMain control wh indvidual spending imis. Cal he number on he back al your card Ioday to request edddionel employee cards and take full advantage of yaw Chase Business Card accoum. 8576649 This Statement Is a Facsknile - Not an origkwi x asoemr RSaaaasct 00e M z a loop Pga202 Mae MAOA eaere ae71000001arro0?7e0z 42 of 47 Payment Due Date New Balance Past Due Amount Midnim Payment 09/x/10 55,431.63 5138.110 (27600 AeQQe?orad rtaanber: 5582 308615338087 W Me our check Payable to: Plaasswrss amount onclosad. New address a "mail? Print an back 55825086153384870002760000543163000000000000005 15759 me z era e ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHUAD LN APT 208 CAMP HILL PA 17011.2421 1.1.111.ir.1.r11I..I..11..11.1..1.11.1.1...11..1.1.1rIi..11.11 CARDMEMBER SERVICE PO BOX 16153 WILMINGTON DE 19886-5153 i:5000L60281: L69861533848790 r H Mantle yo r scoamt onKne: AddMsnal contact Infomr0on front 04ASE0 Imlm s8ntoltm6ok c(nw enllylasted an rsvass title ACODUNT SUMMARY Account Number: 5582 50861533 8987 Previous Balance $5,376.55 Interest Charged xW.08 New Balance $5,431.63 Open goosing Dade 03708110 - 04=110 Total Credit Une $6,000 Available Credit $568 Cash Access Line $1,200 Availads is Cash $0 PAYMENT INFORMATION New Balance $5.431.63 Payment Dee Dale 0426/10 h6inhum Payment Due 5276.00 Late Payment WrrrMg: If we do not receive your mtrimum payment by the due daft, you may have to pay up to a We lab fee. Minimum PaymrK Warning: Enroll in Auto-Pay and avoid missing a payment To erroM, call the number on the bade ad your card or go to the web ate listed above. Your account is dosed. Please contnusto make mon yr payments by the due date unfit you balance is paid in full. INK CASH" POINT SUMMARY Previous Palms Behow e 0 Rewards elan at 1,500 points for Base Porno on all Purchases 0 gitl ends or get $50 cash back with Points Earned enough Chase Rewards Plus 0 5,000 points. Earn more rewards New Point Balance 0 when you not up automatic payments for your redwing bills - visit www.dmssWWnanager.com. Earn 3 points on an aligitle purchases made at gas ststion& restaurant& home improvement 6 hardware stores, and office supply states. Earn 1 pt. par 51 spas on sat otter purchases with no krnlb or caps. You can also earn up b 10 perms per dollar spare when you make online business purchases at hundreds of leading mrdbrds. Visit www.chaswwjwdsous.com to see our current offers. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Descripton S Amount 04100 PURCHASE N TfEREST CHARGE 55.06 04100 CASH ADVANCE INTEREST CHARGE .02 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) $55.08 INCLUDING PAYMENTS RECEIVED T > Told fees charged in 2010 $0.00 TOtaI krWft charged In 2010 $161.96 Year-b-deft lolds reflect at drapes rtirua any refunds applied to your account on or ache January 31, 2010. [INTEREST CHARGES Your Annual Parcentage Role (APR) is to annual Interest rate on your eccourt. Arnuef Balance Accrued Balance Parordogs Rant (APR) Subject To Intaeat anereef Type 31 Days In Cycle Imereat Runt Charges Charges Purchases 12.009E $6.401.64 $55.08 $0.00 Cash Advances 12.00% $1.48 $0.02 $0.00 Plane see kdormakon About Your Amoral section for to Calmlafion of Balance Subjecl to Imereal Rae, Anmd Renewal Notice. Her 10 Avoid Internet an Purchases. OW other important irsarroni , are app6®131e. 8576649 This Siotenumt Is a Facsimile - Not an odgkul (001001 n:913Nae Ct 000 " z n 10mr46 P.D.t s1 09506 Wn0. 19759 05010001(10(n57501 zas" 38 of 47 Payment Due Dam New Balance Paul DueArnourn Minkinurn Prymsnt 05/2Bf10 S5,4a5.46 _ 276.00 541400 Account ttcartber: 5582 5086 7533 8087 W is your check payaalete: yW; chose, cord Services. Plisse-ka ivrourt enclosed. New address a snail? Print on bedr 5562508615338487000414000054854600000000D000001 6Y/MaO. z .2r0c ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 7CAMP HIILLL PA LN APT 208 2421 I...III...111..1.1.11...111.1.LL.L.LIu.IL1.LLd.l..l.1 I...116 L.L.I. I..1..11...1.1....11.1.1...11..1, 1..,11,.11..1 CAROMEMBER$ERVICE PO BOX 15153 WILMINGTON DE 19666-5153 1: 5000 160 281: 16986 i 5 3 381.8 79go . H Mamps year aCOelllt allot. Addlllond contact Inforinotion from CHASED 111laLlhtda mmdOk cmwrienlylocatedanreversaside ACCOUNT SUMMARY Account Number: SSW 90061533 6467 Previous Balance $5.431.63 Interest Charged +$53.03 New Balance $5.405.46 OparingACbaing Date 04ror10 - 0SM8110 Total Credit Line $6.000 Available Credit $514 Cash Access Line $1.200 Available for Cash $0 PAYMENT INFORMATION New Balance $5.485.46 Payment Due Dodo ost2alio M6rimlm Payment Due $414.00 Late Payment Wernhtg: "we do not receive your minimum payrtwm by the due dam. you may have to pay up to a $39 Isle fee. Minimum Paynrm Warning: Errol in Auto-Pay and avoid r issing a payment To scroll. cuff the number on the back of your card or go to the web aim Noted above. Your business credit cord account is poet due. Please said payment immediably. Call 1880-549 001 (collect 1-302 6948200) today. Your accent is dosed. Please continue to make monthly payments by the due data until your balance is paid in full. INK CAS POINT SUMMARY Previous Points Balance 0 Rewards cart at 1.Soo points for Base Points an all Purchases 0 gift cards or gal $50 cash back with Poirns Earned through Chase Rewards Plus o 5,000 points. Eam more rewards New Point Balance 0 when you set up ataometle payments for your reaming bile - visit woror.chaagbilffianager.corn. Earn 3 points on all eligbe purchases made at gas stations, restaurants. home ilprovenlenl 6 hardware atone. and o0ics supply stores. Earn 1 pt. per $1 spent on all other purchases wil h no Nmfb or caps. You can also eels up to 10 points, per dollar spent when you make online business purdhanss at hundreds of leading merchants. Vied www.rhasersorm splus.cam m see our current oars ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description 5 Armurd 05107 PURCHASE INTEREST CHARGE 53.82 05107 CASH ADVANCE INTEREST CHARGE 01 ALE KSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 0487) $53.83 INCLUDING PAYMENTS RECEIVED Told fees charged in 2010 $0.00 Tots imereat charged in 2010 $215.79 Year4o-doss 1MSe ruled all charges minus new rahnds applied to your account on or a0r Jaruny 31.2010. INTEREST CHARGES Your Annual Percentage RaN (APR)is the annual unrest rate on your account. Amnual Bamera Accrued Balance Prcentags Ram (APR) Subject To Interest hemree i . Type 30 Days In Cycle kin at Raw Chorgsoo Charges Pkhrahaaee 12.00% $5.456.11 $53.62 $0.00 Cash Advances 12.00% $1.50 $0.01 $0.00 8576649 Please see Intotmation About Your Account gentian for to Calculation of Balsnce SLV400 m Interval Rare. Meal Renewal Notice. How to Avoid Inner ow on Purchases, end other irlportarN Inforrmlon• as applicable. This Statement Is a Facsimile - Not an ofighal 0000004 F939870 01 see N z se taC3a11 Pq. t d 1 mesa Wait 6wao 191 oacoo.oonssaom X ammsiM 36 of 47 Payment Due Date New Balance Past Due Amount Minimum Payment 06/28110 55,541.65 S414.00 $525.00 Account number: 5582 5086 1533 8487 ,r, Make your check payable to: yW? Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back 55825086153384870005250000554165000000000000004 30288 SEX Z 15910 C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 2B RICHLAND LN APT 208 CAMP HILL PA 17011-2421 Irr.Ill-IILrr.rrlI..IIL.id.L.L.111 I1.I IrlrrllIIJ.I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:S000i602Bt: L6986IS 33at.87911• n A Q Manage your account online: Additional contact information from CHA5E V www.chaw. xo n/mk conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 5582 5086 1533 8487 New Balance 55,541.65 Previous Balance S5,485.46 Payment Due Date 06128110 Interest Charged - +S56.19 Minimum Payment Due 5525.00 New Balance S5,541.65 Opening/Closing Dale 05/09110 - 06/08/10 Total Credit Line S6,000 Available Credit 5458 Cash Access Line 51,200 Available for Cash SO Late Payment Warning: if we do not receive your minimum payment by the due date, you may have to pay up to a S39 late fee. Minimum Payment Warning: Enroll in Auto-Pay and avoid missing a payment. To enroll, ca ll the number on the back of your card or go to the web site listed above. 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 1-888-549-6881 (collect 1-302-594-8200) today. Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full. INK CASH" POINT SUMMARY Previous Points Balance 0 Rewards start at 1,500 points for Base Points on all Purchases 0 gift cards or get S50 cash back with Points Earned through Chase Rewards Plus 0 5,000 points. Earn more rewards New Point Balance 0 when you set up automatic payments for your recurring bills - visit www.chasebilimanager.com. Earn 3 points on ail eligible purchases made at gas stations, restaurants, home improvement 8 hardware stores, and office supply stores. Earn 1 pt. per S1 spent on all other purchases with no limits or caps. You can also earn up to 10 points per dollar spent when you make online business purchases at hundreds of leading merchants. Visit www.chaserewardsplus.com to see our current offers. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount 06/08 PURCHASE INTEREST CHARGE 56.17 06108 CASH ADVANCE INTEREST CHARGE .02 ALEKSANDR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8487) S56.19 INCLUDING PAYMENTS RECEIVED "21110:Totals Year-to-0ate Total fees charged in 2010 50.00 Total interest charged in 2010 5271.98 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 31 Days In Cycle Interest Rate Charges Charges Purchases 12.00% 55.511.06 S56.17 50.00 8576649 Cash Advances 12.00% S1.51 50.02 S0.00 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 This Statement is a Facsimile - Not an original 0000001 FIS33333 C 1 000 N Z 08 10,WMs Page 1 d 1 05686 MA DA 30288 159'.0000010003028801 X 03M INS14619 Address Change Request Please provide information below only if the address information on front is incorrect. --------- Street Address . - ------------- City: ----------------- State: -- Zip: ----- ---- Horne Phone: --- --- ---- Work Phone. -__ --- ---- E-mail Address: --------------------------- -- 8576649 To contact us regarding your account: By Telephone: 7 O In U.S. 1-800-346-5538 V_"V fill Espatiol 1-888-795-0574 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone l-800 136-7958 P.O. Box 15298 P.O. Box 15153 vorvw.chase.comlink Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1450-3510-7099 lotormallon Aloul Ya A-val Credill at Payments: You nay make paynsids by any ul the uni rs listed below. The amout of your payment should beat teed your mbvimdmv paymant due, payable M U.S. dolbre and drawn or payahis through a US. financial institution or the U.S. branch d a lorelgo Nmnch axtmd'on. You may make paynrds by regular U.S. and. Send you payment to IM Payments addees shown on this slalcmerd. Your payments by mail mid arupy Inch Ile midi d n. on this shtemnt. Do net send cash. Write your Acosm number on your check or morl order Payments mat be accenpknied by the Irymod coupon in the envelope provided with cur address vi*k through the ewelope window: the envelope canmt wddn mom flan pons payment a coupon; and them can be no sbpse, paper clip; tape or crrocpondence itGUledwNh you payment. If you pwomra s InacrodaoueweA om paymemiruucUom and Is made awihte a us on anydry by S:r10 ?.m- bill tkne d our Paymoms addrea on this sukmanl, we will credit the payment to your Accused as of 1M dry. It your painell Is in axodonce wtth our payment intrdatbm, but An ruark available to us a9er 590 p.m. local time at Ike Payments Address on this sstemem, we will credit k to your Aaourt es of the neat caander day You may make paymens ehctronicaly through our webeNe shown on this stalemed. fur receive vow arrykled request em our wooed by 5 pm Fasten Tune, we wit vedtt your paymsm as d the lay. Rae mceha you request air 5 p.m. EftI m Tme, sun wind eredt your payment as of the nod calendar dry. If you specify a future dal n your reWSd wer will ast1A your paynem a3 at the day. For or agar payments or for any pay red time abort for which you do not follow our payment maruchbr, crediting of you payments may be delayed Ia to to 5 days. Accooll Infurtndbt Reported to Crudtt Nees: We troy report Wormal about your Accodrdt to crock bums. Lute payments, mined payments or other ddauls on your Account may be reflMed in your lee ck report . II you mad we haw reported inaccurate Irl natton to a c,WN butau, you ma'/ write to us at the Inqudes address shown in this statement. Nalke Abod Sadul Cback Casarslon: When you pay bycheck, you authorize is ether to use imamalion from pia check to make a one-fkne ekclrmk lurid hander from your acesum or to process iM pained as a check uanaclbn. Whenwe use Information from you check to make an elecbouk led enonstr. lulls may be withdam from your account as soon as the Same day we nedwyour payment, and you will not recdee you check back from your financial lramtullon. CAN the l]slmer Service number on the shsmot:f you haw questions about eleclmde check collection or do not ward your payments colkctd elwoonicae(. CodfUonal Payments: Any paymm check a other farm of payment that you send a for less than the full balance cite thu is mnkd "pull At for' or conks a smisr natation. or oat you otherwise lade in full satisfaction of a disputed amount, must be sent to Cad services, P.O. Box 15(l WNmington, DE 19850-SOcg. We reserve 21 nor rigtda regarding these payments (eg. I k is delamined them is an wild dispute or A any such check is receeed story other addea, we may accept the chockwal f Intlsill ma any remaining baronial. We may rouse he accept any such pay eam by relumbK N to you, no cashing H or destroying N. All other payments the, you coke should be will In dun regular Paymer address shown co this stalemerd. Annual Rmpanl eb&s If your Account Agreemed has an amid mwntia tb In and or sYMar charge for sswnee a awlabAim of year account, N wig be bill Inch year c or in number a gIndady bMalkil This fee ardent charge are owed whether or out Y. tss your Aceoud, and you apro to pay them when bdsd. The mat la sad charge are non-refundable unless you notNy rs tied wu vr6k to case your acoudwilin 30 days or one blfng Cycle (adictewr s kaj star we Ctorldogre ddemat on whsle the anwal lee or large is bRed add at the son time, you pay your outstanding baste in WA Il you do ill for a outgo blind man often than small such as a =to* service chugs, you will not owe the sst billed ehal however, prior bIkd charges re rorr-rettad" And mud be paid as part of paying yar outstanding bsYnce b full. Your paymed d to aural fee or charge does not ~ car dgas to class your Account and to limit your digs to make tan ndoorm on your Account. I your Account te dead by you or us, wx will xinUma to booms the aural for andkor charge utN you pay Mu cuhandng basnse in full and formula your Acocurn "loan* CakalalNn of Islands Subject to lalsrd Rate: To figure you rerivdc nearest ddarges for each biting cycle when a daily paddle ate(s) apples, ws uses the dilly balance method including eumd transactions). To figure your periodic interest ehuges for each le hlrg cycle when a monthly parade hot(s) apple, we use the awrage do* hebcce method (including ounmttransadknal. Far an expWwlbe at ddw mehod, and questions abou a parlldpW let efoo charge calculation on your shement, piles ail us A! the Ivr tree eustmder servkx Chore ember listed above. We celculate paled c Interest charges, ul the applicable periodic rates dawn on this shamed, sroarak'y for each haute (ag, bale n:e uatda desks and cash adwrce chess ('dwak has oactbn ), nonevents, balxnm tns9em, ash adwrcmr, emrmi oml balances of overdraft adla n). These Calcmhbm may mill d ten d calagodK with Am same perbdc rain Variable ndes will vary with On narked lased on cis Prime Rate (or rah indwel cdbed in your Accoud Agiesmwdt). Thar Is a mintrrcm belted etfle of $1.50 (or such acenlad described in your Account AgrmrlMi in any biplg cycle u which you awe any periodic interest charges. and a transaction to for each balaoue harder, . advree, a check transaction, in the amends dated in your Acebtnt Agresmem, as I my be amended. Thous Is a foreign transaction We of 3% of the U.S. dolt amour of cry lrelgntnnsee c n (a such amount desaibd In your Account Areemem). blerstASCral We scene pabtlc Meest charges on a transaction, to or steed chage loom the date u is added to your dally baste mll pa im nt In 01 is recefwel on Cur ampud. DA12022009 Payment Due Data Now Balance Past Due Amount MInIrnum Payment (16178/(0 (5,547.65 t:4t4.00 SS2500 Account rant: 5582 5086 1 573 M87 . =70 w a wck payawto: Cant $wvicee. Plaasowrte errant enclosed. New address or s-mei? Print M b..k 55825086153384870005250000554165000000000000004 3(a51 rx z 15/0 C ALEKSANDR A MIKLUSH BUSINESS ACCOUNT 28 RICHLAND LN APT 208 CAMP HILL PA 17011-2421 I... 116u11.... ..11-.IL.Id.lul..l.lu 1.1.1.I.J.11.111 I... n b L. L.L L.L.I I... I.1 .... I I. 1I .J. L-.I I--I L.I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18886-5153 1:5000 L60 281: L6986 L53384879a- a . arnage ywr aew.d ordhe: Additional contact idonnstlon from CHASE 0 1rmr matlLSa?tx can arely tocated on reverse ride ACCOUNT SUMMARY Ateourt Nunbr: 5582 50861633 8487 Previous Balance $6.405.46 Interest Charged .$56.18 New Balance $6.541.65 Opening, Closing Date 05/08rto - 06)15110 Total Credit Une $6.000 Available Credit $468 Cash Access Line $1,200 Available ter Cash $0 PAYMENT INFORMATION New Balance $5.541.65 Payment Due Dale 0628/10 Minimum Payment Due $525.00 Late Payment Warning: It we do not receive your minimum payment by the due dale- you may have to pay up to a $39 late lee. Ynlmum Payment Warning: Enrol In Auto-Pay and avoid rrissirg a payment. To enroll, call the number on the back of your card or go to the web she llood above The charge privileges on your credit cord account have been revoked. You no longer have the alllily to use your credit card account lor purchases. We can help you get back on tack Cal 1-886-54"ll01(coil so 1-302-594-8200) today. Your amount Is closed. Please contnue to make monthly payments by the due dale unto your balance is paid in full. IINK CASH'- POINT SUMMARY Previous Pointe Balance 0 Rewards start of 1.500 points for Base Points on all Purchases 0 gitl cards or get $50 cash back with Pants Earned through Chase Rewards Plus 0 5.000 prints. Earn more rswads New Point Balance 0 when you set up automatic payments for your recurring bills - visit www.c asebillmahaga com. Earn 3 points on all eligible purchases made at gas stations, restaurants, home Improvement A hardware stores, and o16ce supply stores. Earn 1 pt. par $1 spent on all other purchases with no limits or caps, You can also earn up to 10 points per dollar spent en when you make online business purchases at hundreds of leading merchants, Vbh waw.dhasereweMaplua.com to see our current otters. ACCOUNT ACTIVITY Date of Transaction Manzhat Name or Transaction Description $ Amours 0608 PURCHASE INTEREST CHARGE 56.17 06/08 CASH ADVANCE INTEREST CHARGE .02 ALE KSANOR A MIKLUSH TRANSACTIONS THIS CYCLE (CARD 8467) $56.18 INCLUDING PAYMENTS RECEIVED w -ON Total fees charged in 2010 $0.00 Total Ifll... charged in 2010 $271.96 Year40-data totals rellect at charges minus any refunds applied to gar aCOOUnt on or after AMU ry 31.2010. INTEREST CHARGES Your Anate1 Percentage, Rae (APR) is the annual Mere/ rata on your account. Annual Balance Accrued Balance Percentage Rats (APR) Suhlacc To Interest ft 11 Type 31 Days In Cycle Interest Rate Charges Charges Purchases 12.00% $5,511.06 $66.17 $0.00 Cash Advances 12.007E $1.51 $0.02 $0.00 8576649 Plesse see Worretion About Your Arcmrd section tor the Cakulstion of Salerno Subject to Interest Reb• Annual Renewal Notice. Haar 10 Avoid Interoo on Purchaaas, and other inpona n InformaW n. as app icabie. This Statement Is a FacskWle - Not an migtnal eD00001 F93730eCi DDO N z es law= Py.t alt osm -M 30206 1s, o)0001D*aC21W Z WaeeaNete 34 of 47 PaymaM Due Date New Balance Past Due Amount Mlnimurn Payment 07/28!10 55,541.65 (525.00 5635.170 Aerxwll ltttnrrer: 3582 50881IS43 8487 I M.he your check Payable to: chars caw Suvlw Pbasawrite mount-dosed. blow address or ..all Pmt on back 55825086153384870006350000554165000000000000002 12000M s henoc ALEKSANDR A MIKLUSH BUSINE33 ACCOUKi 26 .. as W APT 208 CAMP HILL PA 17011-2421 I..rlll...Ilir..r..11...11..1.1.1..1..1.1...11.1.1.1..1.1..1.1 I...II1.1..1..1.I..I..11...Ill.... 11.1.1...11..1.1.. x11.111..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 f:500?i6028t: 1,6986i53384849na r B Menge yaw acseum erwns: AddabrW eantedlM.matlsn f o m CEO con-rilwety located on reverse side ACCOUNT SUMMARY Account Number: SS92 50861 SU 8487 Previous Balance $5,541.65 New Balance $5,541.65 Operirg+Closing Date 061OW10 - 07iO8110 Total Credit Line $6,000 Available Credit $458 Cash Access Line $1,200 Available for Cash $0 -77771 PAYMENT INFORMAT 0H New Balance $5.541.65 Payment Due Date 07211110 Minimum Payment Due $635.00 Late Payment Warning: n we do not receive your minimum payment by the die date, you may have lo pay up to a $39 Isle lee. Minimum Paymorn Warning: Enroll in Auto-Pay and avold hissing a payment. To ermoll, call the number on fie bark of your card or go to the web age Greed above You havent made the requ rod payments and your credit Card 8OWMt is 90 days Past due. As a rewI , your credit bureau may be updated wilha negative rating. Pieria Send your payment immediately or call us at 1-M-5403ae t (collect 1-302394.8200) today. Thin account is dosed and not available for new lrenseciona 8 rise is a balance please continue to make peyrnems by the due dale. INK CASH POINT SUMMARY Previous Points Balance 0 Rewards start as 1,500 points for Base Points on all Purchases 0 gift cards orget $60 cash back with Palms Earned through Chase Rewards Plus 0 5,000 points. Eam more rewards New Pant Balance 0 when you set lip awomatic paymerts for your recurring bias - visit www.choseNimine".com. Earn 3 Palms on all eligible purchases made at gas stations, resteurama home knprovement 8 hardware ekes, and office supply stores. Earn t pt. per $1 spent on an other purchases wiri no limits or caps. You can also earn tip to 10 points per dollar spent when you make online business purchases at hundreds of leading merdtems. Vish www.cheserewardepkue.aam lo see our current ollers. RMONNEWWW", I., Total lees charged in 2010 $0.00 Total Interest charged in 2010 $271.98 Year4o-date totals reflect an charges Mrsis any refunds applied to your account on or efler January 31. 2010. 8576649 INTEREST CHARGES Yam Anrwal Percentage Rate (APR) Is the annual interest rate on your account. Amml Balance Accrued Beence Percentatls Rate (APR) Subject To fntarest Interest Type 30 Days In Cycle (merest Raw Charges Charges Purchases 29.00x(1) $0.00 $0.00 $0.00 Cash Advances 29.99%(V) $0.00 $0.00 $000 (v) = Variable Rate Please we Idonneton About Your Ac court section fa the Calculation of Balance Subject to Imereal Raft, Annual Renewal Notice, Haar to Avoid Interest on Purchases, and other inponsnt information, as appfh®ble. IMPORTANT NEWS Sere time on employee reimbursements. Improve expense fraddng. Maintains) control with individual spending Wr to Call the number on rie beck of your card today lo request addaional employee rands and take full advantage of your Chase Business Card accocrvi. This Statement Is a Facsimile - Not an original fD000D1 FM3.1Lc1 coo y e oo 1000706 P.9a1At 05M MAM%12000 a20keaWete0w2000ah 7L deep 32 of 47 Payrnsrrt Due Dan New Balance Past Due Amount Mlnlnum Payment 08/28!10 55,541.-5 (635.00 (74500 AcOOUrR nuMtet: 5582 SORB X533 8487 It.be year check payable to: Chase Cord swvk- Plesse twin amount snclo"d. New address a e• rd. P9knon back. 55825086153384870007450000554165DOODODDDOODODOD '3.o. sex 9Z oc ALEKSANDR A MJKLUSH BUSINESS ACCOUNT 2 RICHLAND LN APT 208 CAMP HILL PA 17011-2448 I 'All ... I I I......i 1...11..1.1 L. L L.I L. 1.1.1.1..1.1.1 u 1 I...III.1..1..1.1e.l..II...I.1....I1.1.1...1l..I.1...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153 1:5000160281: L6986L53384879Ra r H IYYn¦gs your account ml1w: Addale.r eereact lafemwtlen from CMASE0 seesa-shear llamd0k oamenionay locersd on rvvwss aide ACCOUNT SUMMARY A=oun1Ntanbsr: 5582 5086 1 533 84 87 Previous Balance $5,541.65 New Balance $5.541.65 Opening/Closing Dote 07/09/10.08R1if/10 Total Credit line $6.000 Available Credit 5458 Cash Access line $1,200 Available for Cash So PAYMENT INFORMATION New Balance 55.541.65 Payment Due Dare owello Minimum Payment Due $745.00 Late Payment WwnbB: n we do not receive your mirrmum payment by the due date, you may have to pay up to a $39 late tee. Mnimum Paymerd Warrdng: Enrol in Auto-Pay and avoid missing a payment. To enroll. CNN the number on to back of your card or go 10 the web 8110 Rated above. it's not too line 10 resolve fie outet u tdirg balance on your business aadil card account. We have a variety o1 psymem opions that may be right br you. Call 1-986549-5601 (coned 1-302-594-9200) today. This accourd is closed and not available for new tmr oactons. N there Is e balance plan" contmna to make payments by the due dale. INK CASH POINT SUMMARY Previous Points Balance 0 Rewards shat at 1,500 points br Base Points on all Purchases 0 gift cards or gal $60 cash back with Palms Earned through Chase Rewards Plus 0 5.000 palms. Earn room rewards New Poird Balance 0 when you set up sulornaac payments for your reaming bile - visit www.dreaetilkmager.com. Earn 3 points on all eligible purcnsas made at gas stations. restaurants. tome improvement 6 hardwere stores. and office supply stores. Earn 1 pt. per $1 spent on an other purchases with no IMttlh or ceps. You can also cam up b 10 points per dollar agent when you make online bush see purdeees al huMnds o1 leading merchants. Visit www.ehaserewardepkps.com to see our arrant offers. Total fees charged in 2010 $000 _Total intents charged in 2010 5271.9- Y9ar40-dale lotals reflect al dtorges minus arty rol nds applied le your account on or after January 31. 2010. 8576649 INTEREST CHARGES Your Armual Percentage Rate (APR) is the amual inereat rate on your account. Anntd Balance Accrued Balance Perpntage Ran (AM Subject TO Inttra6t Inte" TyPe 31 Owe In Cycle Ir1bmM Role Charges Charges Purchases 20.99%(v) $0.00 $0.00 $0.00 Cash Advances 29.99%(v) s0.00 $0.00 $0.00 Balance roreler 29.99%(v) loco $0.00 SD.oo (v) - Variable Rita Pismo see IMomation About Your Aom" section for the Calculation of Balance MMOCI 10 Interest Role. Annual Renewal Notice How to Avoid Interaw on Purchases, and other irnpornnt IrdormsYon, as applicable. This Statement Is a Facsindie - Not an original 0000M Fr 33MISCh 000 r e W tepee Peat sit owes Wilk 130D4 2mo0000hoom3a.oh zt000 30 of 47 Payment Due Date New Bdarnce Pad Due Amount Minimum Paymard lWl2a/10 $5,541.65 =7!5.00 (al5S00 Accourd number: SSt12 SOW 1533 8687 `Y Risks r cheek Payable to: Chase Card lwvtow Pleasewvtaa tenclosed. hlaw addram m s-moll Prin en back. 55825086153384870006550000554165000000000000008 td115 SEX O M010 C ALEKSANOR A MIKLUSH BUSINESS ACCOUNT 2 RICHLANO LN APT 206 CAMP HILL PA 17011-2446 Ir..ill...lll...rr.ll..111..1.1.Ir,1.1.ellr.it.l.l.l..l.l,lr.l I...Ill.lr.l.rl.l..lr.11...1.1....Il.l.ir.r llh.l,l.rrllr.llnl CARDMEMBER SERVp-'E PO BOX 15153 WILMINGTON DE 19666-5153 1:5000L60281: L69861I5338L.879nr Q slYmaeyour account mum: Addiderot contact Wematlon ftm CHASE O canverhianey loeaed an revwse ode ACCOUNT SUMMARY Account Number: 5562 5066 1533 6491 Previous Balance $6,541.65 New Balance $5.541.65 Opening/Closing Date 08M9110 - 091DW10 Total Credit Une $6.000 Available Credit We Cash Access Lire $1.200 Avallable tor Cob $0 PAYMENT INFORMATION New Balance $5,541.65 Payment Due Dole 09!26/1 o Mnimum Payment Due $655.00 LOU Payment WwnbV: n we do not receive your minimum payment by the due dote, you may have to pay up to a $39 late tee. IMnlmum Payment Warring: Enroll in Auto-Pay end avoid missing a payment. To emo6, cell the number on the back of your card or go 10 the web she listed above. You haven't made the required paymens arc your hyedit card account is 150 days pest due. You can still turn things around. Call us today at 1-666.64946661 (collect 1-302a949200) so that we can Lind a sdullon for your demon. Tnis account is dosed arc not availade for rww imnsactons. If there is a balance please cominuslo make payments by the due date. INK CASH POINT SUMMARY Previous Points Balance 0 Rawards dart d 1,500 points for Base Point on all Purchases 0 gift cards or get $50 cash beck with Palms Earned through Chase Rewerds Plus 0 5.000 palms. Earn mare rowarda New Point Balance 0 when you sal tip automatic payments ior your reaming bills - visit www.chasedllmonager.com. Earn 3 points on all aligide purchases made at gas stations, restaurants, home improvement a hardware stores, and olce supply stores. Earn 1 P. Par $1 spent on all other purchases, with no limits or ape. You can also earn up 10 10 points per dollar spent when you make onlihw business purchases at hundreds of leading merMarns. VIM www.choserewardsouscom 10 see our current otters. ?sYt?i ?1.. ? +r Told feet charged in 2010 $0.00 Total interest charged in 2010 $2ytA6 Yea-to-dells totals reflect al charges rdnrs any refunds applied to your aaccuni on or alter January 31. 2010. 8576649 INTEREST CHARGES Your Annual Perestage Rate (APR) is the annual interest rate on your account. Arnusl Balance, Accrued Balance Percentage Rats (APR) 3ub(sct To Interest Whereat Type 31 Days In Cycle InMnst Rata Charges Charges Purdteeas 29.99%(1) $0.00 $0.00 $0.00 Cash Advenaa 29.99%(v) $0.00 $0.00 $0.00 Balance ranslar 29.99%44 $0.00 $0.00 $0.00 (v) - Variable Rate Please see Information About Your Account section for to Calculation of Balance Sub)ech to Interest Rene, Annual Renewal Notice, How to Avoid Mred en Purchases, and other important irdomaton, as appiiade. IMPORTANT NEWS Save time on employee reimbursomems. Improve espehae trading. Maintain control with indlviduel spending limits. CM the Tunica on the back of your card today 10 request additional enupoyee cams and take lull advantage of your Chase Bualnees Card account This Statement Is a Facsimile - Not an o"ginal 0000001 F CS 000 v a 05 106aes on., el 06800 Mani 1.15 2511000oT0 001 8115 01 Xomm 24 of 47 Payment Due Date New Balance Past Due Amount Minimum Psymard 102U10 (5,541.65 1855.00 $88500 Account number: 5582 30061533 8487 Main ur check payable to- ChwCard tin $ PYasswdle amdnt ollebaed. New address a a-mail? Print on back. 55825086153384870009650000554165000000000000006 ALEKSANDRA MI KLUSH BUSINESS ACCOUNT 2 RICHLAND LN APT 208 CAMP HILL PA 17011-2448 L..IIL1n111.rrrkrll...IL.LLI1J.l..lirdr.LLL1LIJ.d I..rill.i..1.rl11.r1.ell..rl.Ir.r.ll.l.i...fl.rirl..rll.rll111 CAR MEMBER SERVICE PO BOX 15163 WILMINGTON DE 1/886.5153 1:50001,60281: L6986L53381.8791te r MrMP your amount am-: Add Weed contact infomr8on from CHASE G beat/ fblsP ?mloh conveniently located M reverse sift ACCOUNT SUMMARY PAYMENT INFORMAMN Amount Number: 5582 MSG 1533 0467 NOW Balance $5.641.55 Previous Balance $5.541.65 Payment Due Dale 1020110 New Balance $5.5417S 1i rimum Payment Due 1065.00 Operirg/Cbeing Date OWOa10 - 10/08/10 Total Credit Una $6.000 Available Credit use Cash Access Line $1.200 Available for Cash 1o Late Payment Warning: h we do not receive your minimum Paymen! by the dre dab, you may have to pay up to a S39 late lee. NNnlm ms Payment Warning: Enroll in Auto-Pay and wad miming a paYMOM. To troll, eat the number on the beck of your Card or go W the web alb naiad above. The outstanding balance on your credit card account is x mkiled to be written ON m If bad deb Monty. As a reaiL your credit bureau WWI be updated with a negative rating that could last for up to swan yeas. We an Biel help, but you need to cal us now at 1-SB8-549-8881(coled 1-302-594-8200). The amountis closed and no longer available forum. N you here a balance remaining onto sccounL plume continue to make monthly pawnaBS by the due date. Thank you. INK -1 ;j; SUMMARY Previous Palma Balance 0 Ravrads stan is 1,500 polls for Base Poi fa on all Purchases 0 qh earth or gat $50 cash back with Pants Earned through Chase Rewards Plus 0 5,000 points. Earnmore rewafds New Pam Balance 0 when you eat 1p Mr10na1tC payments for your ramming boa - visit www.daseblNmanager.com. Earn 3 points on all eligible purchasas made at gas stations, reataurams home Improvement 8 hardware pores, and of0oa supply stores. Earn 1 p. par $1 spent on e8 other purchases with no limits or cape. You an also earn up to 10 palms par dollar spent when you rnsks online business purchases at hundreds of leading mere hant& Visit www.chawawwds0m.com to see our current o8ars. Trial bas chegad in 2010 $0.00 Total intsfeal othagW in 2010 $271.98 Yea-to-date told/ re ow all dtargm minus any refunds applied to your lexatnt on or after Amery 31, 2010. INTERN CHAR4ES Your Annual Percentage Rate (APR) is the annual interest ride on your account. Annual Balance Balance Pal coa tags Rate (APR) Suhlect To Inimem Accrued ?? Type 30 Days In Cycle Interest Rate Charges Charges Plydhams 29.991E (h) $0.00 $0.00 Cash Advances 29.99%(V) $o oo $0.00 . $0.00 Balance transfer 29.9911. (r) $0.90 $0.00 $0.00 $0.00 (v) - Variable Rate Please see lit ffrwbon About You Amours section for the Cakxkbon of Balance Sub)ed 10 Interest Rabe Annual Renewal Notice , How to Avoid Intend on Purchases, and other important incantation, as applicable. . IMPORTANT NEWS Save time on arrgloyee mirnbums nam, knprove Balm as tracking. Maintain contra W M Individual 8576649 spending Write, Call the number on the back at your card loday b request additional enployes cattle and take lull advantage of your Chase Business Card account. This Statement Is a FacsWle - Not an wigkml COMM F93331 aCt 000 Y e 08 lonoA* Pr9.t Y1 cases MAM 19575 2a11WW01000 %7W X Me 2 of 47 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffs Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ltday of 60'Y1yAa& 2010 upon the following: I Robert Walker,Esquire Suite 103, 3461 Market St Camp Hill Pa 17011 By: We1flRxffip, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 8576649 CHASE BANK USA, N.A., IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION - LAW ALEKSANDR A. MIKLUSH, ' Defendant NO. 10-5858 CIVIL TERM "03 rat z a c u) rd > IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT ; . BEFORE OLER_ GUIDO and MASLAND, JJ. 7 ORDER OF COURT - J AND NOW, this 18`t' day of February, 2011, upon consideration of Plaintiff's Motion for Summary Judgment, and upon relation per the Court Administrator's Office that Defendant is not opposing the motion, it is hereby ordered and directed that Plaintiff's Motion for Summary Judgment is granted, and judgment is entered in favor of Plaintiff and against Defendant for $5,541.65, plus interest at the legal rate of 6.00% per annum from August 27, 2010, attorney's fees in the amount of $300.00, and costs of the suit. /Benjamin R. Bibler, Esq. Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Attorney for Plaintiff -""'Robert M. Walker, Esq. 3461 Market Street Suite 103 Camp Hill, PA 17011 Attorney for Defendant o? BY THE COURT, PROTHONOTAR 011 ASR 25 PFD 3: 32 CUMBERLAND COUNTY 'PENNSYLVANIA IN T? E COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. vs. ALEKSANDR A MIKLUSH ants No. 10-5858 CIVIL TERM PRAECIPE TO VACATE JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Williiam T Molczan, Esquire PA I. D. #47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Building 436 7th Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08576649 ckm? %9,co P4 Q -I dk.4110g77(o(Q 12* .25% 992 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plai vs. Civil Action No. 10-5858 CIVIL TERM ALEKSANDR A MIKLUSH Defe PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: SIR vacate the judgment entered in the above case. WELTMAN, WEINBERG & REIS CO., L.P.A. (/?ti L By: Attorney for Plain t1 1400 Koppers Bui ing 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08101954 FILED-OFFICt yi 1He PROTHONOTARY 2011 JUL -I PM 3: 21 CUMBERLAND COUNTY WELT N, WEINBERG & REIS CO., L.P.A. REh1NSYLYANIA BY: Sarah E Ehasz Attorney for Plaintiff(s) I.D. No. 86469 436 Seventh Avenue, 1400 Koppers Bldg Pittsburgh, PA 15219 Phone: 12.434.7955 Fax: 41 .434.7959 File # 08576649 CHASE \' ?A' P. A CUMBERLAND County Court of Common Pleas A MIKLUSH TO No.: 10-5858 CIVIL TERM PRAECIPE TO DISMISS WITHOUT PREJUDICE TO REFILE PROTHONOTARY: dismiss the above matter without prejudice to refile. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sarah E Ehasz Attorney for Plaintiff