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HomeMy WebLinkAbout10-6069{ (ETA 7 i E-Ll ©10 Ir?'?1?`. 11 a 4 rt t r,f l 10' 4 i L D C0IINTY a.,`!I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: lO' WO(o9 Tem vs CAROLE J ROBINSON 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 08396695 C A Pit KMJ O 4a. 00 Pa ATTy c,-t 4rr8&4'77 e 01g857/ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. CAROLE J ROBINSON Defendant Civil Action No 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: CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE, PA 17241 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX7182 . 4. Defendant made use of said credit card and has a current balance due of $3422.23 . 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 , CAROLE J ROBINSON , individually , the amount of $3422.23 with continuing interest thereon at the statutory rate of 6.000% per annum from September 10, 2010 , plus attorneys fees of $300.00 and costs. James C. WELT , 436 S e, 08396695 C A Pit KMJ Pitts ur, (412) 43. FAX: 41 This law firm is a debt collector attem t' g our client and any information obtained 11 Warmbroat,42524 WEINBERG & REIS CO., L.P.A. th Avenue, Suite 1400 h, PA 15219 -7955 -338-7130 to collect this debt for be used for that purpose. 8396695 Payment Dye Date New Balance Peal Due Amount Minimum Payment osn7no $3,4zz.23 g9/9.oo tt,m7.oo Account numbee: 4185 88151808 7182 Maly y.hur eheA eayaMeb Q Ch... Curd 9arvk+s- _ a? Pwsewrie emdnt endossd. [:::::::= : Now addrw cr rmai? Pmt on ark. 41658615198671820010770000342223000000000000009 20.8BFx z tteh00 CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-3706 I udlL.d..LLJ ul y.il 1..1.100.IIL.ui1...1..i..l1.l...ll I...111.1.1.110Ia.1..Init..i.1.10.II.I.I...I1..1.1..1110.11..1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 100105-5153 1:50001.6021111: 0 L8 L5 198 6 7 18 2 ire CHASE O H e?naw youraccent[ ordim: A Mln«w monad rM..m.aea eetea.dlast.0om cmvwvwlay located on reverse side ACCOUNT SUMMARY Ri,M /T INFORMATION Account Number: 4166 0615 1906 7162 New Balance $3.422.23 D OSM7/10 Previous Balance Fees Charged $3,209.00 +$30.00 Imear Charged +$95.14 New Balance $9.422.23 OperinglCbsing Dale 031r2l/10 - W20110 T01al Credit Line $3.500 Available Credit $77 Cash Access, Line $700 Available far Cash $o payment Due ere Minimum Payment Due $1,077.00 Lab Payment Warming: 11 we do not receive your minimum paynarn by the data listed above, You may have 10 PRY up to a $39.00 tale lea and your APRs wig be Killed to increase 10 a rrhaxtrraen Penalty APR of 29.997. Minimum Payment Mlarnin0: If you melke only the minimum payment each period. you will pay more in interest and it WIN take you longer to pay off your balance. For erarn pI0' ff you make no you will pay off the And you will and up additional charges balance shown on paying an es9maced using file card and this statement in total of each month you about.. pay. - Oniy the minim rrh 26 years $11.592 Payment 6 you woNd like information about crsdt counseling servhcsa. cri 1.995797-2085. The outsmnd'ng balance on your credit card amount is scheduled to be written o9 as a bad debt shorty. As a result. your credit bureau will be updated with a negative rating that could last for up to seven Yeas We can 5011 help but You need to cal u5 now at 1-588-792-7547(c01ect 1-302-564-5200). FLDUIBL.E REWARDS SUMMARY Previous Perm Balance 0 Thank you for using the credit card that same o rewards that can be used for travel. gill cards, Perms Earned on Purdimea The Period Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Rarmrhter, you can New Total Pants Balance 0 eam points by using your Amble Rewards credn card for everyday purchases tike groceries. ges, and dNgslore purchases. Your Chase Fledble Reaads credo card earns 1 Pam tr evey $1 You spend on puresasa Eam up b en additonal10 parrs while a hopping onirw through www chaeB.com/rewrdephm. Add authorized usWS, end sign up to have your mmauy tills charged to your card, too. Why not get rewards for an those pure rise too? Its that simple. Simply go c ow,c mh'ewrds to chome your reward today! Redeem your points anytime. or just check out new, offers at twrar.chas9.comtrewrda. ACCOUNT ACTIVITY Date of E Arnoum Tarawlion Mttrcliam Name or Transaction Description ... . .,:a - +,K.:, :4:: ?::v , :::`.;:.:v • \`; ...+.';:t:AY-. h i:`. "`2::: }?:Yd",?~.,,•.R :Tim ::y2:C;t_ •::a ti,*:=•4`';i\hYi...;,NCC;2;\?Cx?'ti},.??fiv ::,i 4iQ•: 04/16, a,,,, ,,.,. ,.LATE FEE 3e.." TOTAL FEES FOR THIS PERIOD $30.00 'off 1.X11: ?i.4++\,x v,M:\\?: ti. :AY{Ak.-• - :::yvK}:Y"v, . ... ... .......:..:.. .. .,\._,*a;;'}4:v ,}i:.a --, :Yi:::A :i:tii Tti.\+iii} ....n..::.?::::.: nut .:,.. .,..,?,,.......... 04020 PURCHASE INTEREST CFWiGE x5.14 TOTAL INTEREST FOR THIS PERIOD $8514 a,:`,- Total lase charged in 2010; $117.00 `•? _ Total imerer charged in 2010 $239-65 Year4 -date 101813 rWlect as charges moos any relund5 . appted to your account on or attar January 31, 2010 This Statement Is a Facsimile - Not an original oD000o1 Fo=080e 000 N Z 20 10.1.Qa PM., a] maw 1U.le] 1i W om00.oooso. R W. EXHIBIT 2of5 statement Dale: 0 312111 0 - 0 412 0/10 Account Number: 4105 0615 1906 7192 Page z 012 INTEREST CHARGES Your Annual Pareeraape Rate (APR)is fie annual interest rate on your ettoun Annual Balance Accrued Balsa PMOanlaya Rate (APR) Subject To Interest Rate Irrterest Interest Chryee charges Type 31 Days In Cycle Purdmeas 29.99%(v) $3.342.93 $e5.14 $0.00 00 00 $0 $0 Cash Advances 29.69%(v) $0.00 . . (v) . Venable Rate Please see Morrnation About You Account section for the Calculation of Balance "W to Interval Rate, Annual Renewal Notice. How to Avoid Merest on Purchases, and other important inlonration. as applicable. 8396695 This Statement Is a Facsimile - Not an origkml X ooooooh Asmstaos 010 N Z 2D 109121 PW202 0506 -MA 36129 11aoYGoogwax ? 4 of 5 Cardmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT This agremnent governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your accountis covered by this agreement. Please, read the entire agreement and keep it for your records. You authorize: us to pay for and charge your account for all transactions made, on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay thf! bell amount owed without first asking the other person(s) to pay. Please sign thu back of your caul when you receive it.You will be bound by this agreement it 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 cancol your account within 30 days after receiving your cart( and you have nut used your account lot any purpose. Throughout this agreement, the words "we", "its' and ''our" mean Chase Bank USA, N.A., Utu issuer of your credit card and account. The words -you", "your" and "yours" mean all persons responsible for complying with this agreement,including the personwho applied for the account and the person to whom we address billing statements, us well as any person who agrees to be liable onthe account. Theword "card" means one ormore cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consurnut acceunf and shall be used unly felt personal, family or household purposes. Unless we agree or it is required by lave, we will nut 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 tinder this agreement. Types ofTransaclions: Purchases: You may use your card to pay for goods or services. Checks: Wu may provide you cash advance chocks or balance transfer checks as a way to use your account. We also refer Lo them fn this agruentoet as a chock or checks. You may use a chuck to pay for goods or services,to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer balancas to this account from other accounts with its or any of our related companies. Only the person whose name is printed on the check may signthe 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 nffer we make to you. Wo may treat chucks that we call convemmnr..e checks as balance transfer checks. However, checks that we call convenience checks and that we indicated to you are subject to the terms for rash advanr.r.s, may be heated as cash advances and assessed cash advance rates and Ices. Balance Transfers: You may transfer balances Iron other accounts or loans with other credit card issuers or othef lenders to this account, nr othr.r halanre transfers we allow. But you may not transfer balances to this account from other amounts with us or any of our related companies. If it portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer tip 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; ur to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make it payment on your behalf and bill the payment to this account. Overdraft Advances: It 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". Eecb billing cycle is approximately one month in length. For each calendar month, your account will have. S billing eyclu that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a hitting statement for that billing cycle. Authorized Users: II you nllew someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized uses on your account. II you do so, this account may appear on the credit report of that authorized user. You should think carulully before allowing anyone to become an authorized user bemuse: ynu are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on 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 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 ocr.ess to your account Irom that authorized user. Credit Liuu: 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 purtion 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 art, responsible dot keeping track Page 1 of 6 of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line lot any reason, we may charge you an overlimit loo as described in this agreement. We may, bul are not required to, aulttorize charges that go over your credit line. Yet: must pay any amount rives your credit line., and ynu most 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 time. However, if you have askod us not to do so, we will not increase your credit line. A change to your credit line will nul alluct your obligation to pay us. International Transactions: International transactions include any transaction tli,ni you make in a foreign currency or that you make outside of the United States of Anwrir.;; e:on if it is made in U.S. dollars. If you make a transaction in a foreign currency, Viso. International or MasterCard International, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either frorn the range of rates availnhlr. in the wholesale currency markr.ts for the applicahle processing date. (tvhir.h rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing dale. The rate in elfeul on the applicable processing date may differ from tho rate on the date you used your card or account. We reserve the right to charge you an additional 3%of the. U.S. dollar amount of any international transaction, whether that transaction was originally nudp 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 it any international transaction is reversed. Refusal to Authorize Transactions: We may, but are not required it). decline a uen-.action nn your account for any of the following reasons: • because of operational considerations, because your account is in default, • if wesuspect fraudulent or unlawful activity or, in our discretion, for any other reason. We are not responsible for any losses if 0 IFOo9a0iell on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, wo may require that you register your account wilt an authorization system that we select. We will notify you it we want you to register. If you do not register, we may decline your online transactions. Refusal to Pay Checks: Each checkyou write is your request forfunds.Whenwe rer.rivu a check for payment, we may review your ar.rount 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 tin ilia check. Your credit line or cash advane:c portion of your credit line has bean excuefted, or wouln be exceeded if we paid the r.hack. The check is post-dated. If it 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 elate specilierd till it. You are in default or would be if we paid the chuck. Lost or Slolen Cards, Checks or Account Numbers: If any uari, check, account number or other means to access your account is lost or stolen, or you think sonu!ona used or may use them without your permission, you must notify its al once by calling the Cardmemher Service telephone number shown on your card or billing stateroom. On not use your account after you notify its, even if your card, check, account number ai clher means to access your account is found er ratllrned. We may terminate or suspend your credit privileges when you notify its of any loss. theft Of unauthorized use. falaied m; your account. You may be liable it there is unauthorized use of your account from which you rer.oive no benefit, but you will not be liable for more than $50.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identily for its the unauthorized charges from which you received no benefit. We may require you to provide us information in writing to help its lied nut what happenud. We may also rLiluiro you to comply with certain procedures in connection with our investigation. PAYMENTS Payment Instructions; Your billing statement and accompanying envelope mcludu instructions you must follow for making payments and sets loch fhu date and time by which we must receive the payment. You agree to pay its amounts you own in U.S. dollars drawn tin funds on deposit in it U.S. financial institution or the. U.S. branch of of foreign financial institution using if payment check, moneyorderorautomatic dehitthatwill he processed or honored byyourlinancial institution. We will not accept cash payments. Your total available credit may not be restorod for up to 15 days attar we receivo your payment. Any payment check or other form of payment which you send to its for less than the Icll balance that is marked "paid in full' or with a similar notation or that you otherwise tender in lull satisfaction of a disputed amount (conditional payments), must be sent to us at the conditional payments address listed nn your monthly statement. We reserve all out rights regarding such payments. Foe example, if it is determined there is no valid dispute or it any such payment is received at any other address, we may accept the payment and you will still owe any remaininn balance. We may rulusu to accept any such paymenl by rattrning it to you, not cashing it or by demrnying ft. All other payments that you make should he sent to the regular payment address shown no your monthly statements. EXHIBIT 2 We reserve the right to electronically collect your eligible payment checks, at first presentment and any represenlmont, from the bank account on which the chock is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, it flooded, by a draft drawn against the bank account. Poyfnent checks will be collected electronic ally by sending the check amount along with the check, routing and account numbers to your batik. 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 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 it halancr !hat is subject to finance charges, the sooner you pay Lis, the less you will pay in finaime charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance (the "New Balance" on your billing statement). If the New Balance is S10.00 or less, your minimum payment due will he the New Balance. Otherwise, it will ha the largest of the lollowing 510.00; 2% of the New 9;dimcm.; nr the sum or I'%? of the New Balance, total billed penodic rate finance charges, and any billed late and ovrrlimit fees. As 1),1110111113 minimum payment due,wu also add any amount past due and any amount aver your Credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Balanr.e.s: You may request a relund of a credit balance at anytime. We may reduce the tunnum of any credit (,olanco by the omountof 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 pi orniums). If automatic charges arc stopped for any reason (including because your account is Closed or suspended for any reason) or your account number changes, YOU are. responsible fur notifying the biller and payingthesecharges directly. If 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 your oldarcntint numbor. Promotions: From time to time we may offer special terms for your account. If we du, we will notify you about the tones 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 efler. 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 and tit this document or provided separately. To got the daily periodic rata we divide the APR by 365, and in offert always round up at the fihh placo to the right of the decimal point. Variable Rates: One or more APRs that applytoyour acrountmayvarywi(h changes to the Prime Rale. When you have an APR that varies with changes to the Prime. Rate, we calculate the AI'R by adding a margin to the Prime Rate published in The. Wall Simpt,lourrmltwo business days before the Closing Date shownonyour billing statement. The "Prime Rate` is the highest (U.S.) Prime Raw published in the Money Rates section of The Thrall StroetJournal. If The Wall Stroo0ournalstops publishing ilia Prime Rate, we will select a similar reference rate and inform you on your billing statement or through it 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 it 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 rata and any minimum daily periodic rate and corrospundirig APH. Two business days before the Closing Data shown o I your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to gel the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate front the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first clay of your billing cycle that ends in the calendar month in which we made the calculation. II the daily periodic rate increases, youwill 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 agroementyou have with us or any of our related companies ter any of the following reasons: We do not receive, for any payment that is owed mi this account or any other account or loan with us, at least the minimum payment due by the date and time due. You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. II any of these events occurs, we may increase the APRs (including any promotional APR) Lin all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider ilia following [actors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing o[ the defaults on your account; other indications of your account usage and performance; information aboutyour other relationships with us or any (if our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rata will take effect as of the first day of the billing cycle in which the default occurs. H wo decide not to increase your APR even though there is a delault or if we do nor increase your APR tip to the maximum delault rato 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 accotutt. Finance Charge Calculation - Average Daily Balance Method flnclriding New Transactions): We calculate periodic finance charges separately for each balance. associatedwith a difforenl category of transactions (tor example, purchases, balance transfers, balancetratsfer checks, cash advances, cash advance checks, overdraft advances, and each prornotion).Those calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of :hose categories by the daily periodic rate for each of those categories, each day. Ynu may have Overdraft advances only if you have linked this account to a checking account with one Of our related banks. We calculate the periodic linance charges forpurchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate tht soma wiry, but we use the pruiimnonal rate. To gut 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 uubn adjustments that apply to ilia( category. We add it new purchase, cash advance., balance transfer or overdraft advance, if applicable, to the daily balance as of Ihm transaction date, or a later date of Our choice. We add a now 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 Oi our choice. We subtract from that balance any paymuats, credits, (ir credit adjushnows 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 halance for earl) category for Lim next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all aI the daily periodic finance charges for each category, for each day during that billing cycle. However, if any periodic finance charge is clue, we will charge you at least the minimum periodic finance charge staled in ilia Rates and Fees Table, if it is necessary to add an additional amount to roach the minimum finance charge, wit acid 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 die, sum of the periodic linanco charges plus any transaction fee finance charges. For each categbrywe calculnle an averago daily balance (including new Transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number at days in the billing cycle. 11 you multiply the average daily balance for a catogoiybythe applicable daily periodic rate, and multiply the result by the number of days in the billing cycle, the total will equal [fie periodic finance Charges for that balance attributable (b that billing cycle., exre.pi for initial variations titre to roundimy. Grace Period and Accrual of Finance Charges:Wa accrue periodic fieiance Charges on it transaction, fee, orfin mete charge from the date it is added to your daily balance until payment in full is received on your account. Howover,we do not choice periodic finance charges on new purchases billed during a billing cycle ii we receive payment of your New Balance by the date and time your minimum payment is due and we roceivuel paymunt of your New Balance on yow previous billing statement by tho date and time your payment was clue. This exception or "grace period" applies only to purchases and does not applyto balance transfers, balance transfer chocks, cash advances, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cash Advances: We may charge you a cash advance lee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make it payment on your bohall and the service charges the paymunt to this account, wo may chargu a transaction loo for the payment. These transaction taus are finance charges. We add Ilia fee to the balance for tilt- related category as of the transaction date of the cash advance:. For example, it transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Dahmer Transfers: We may charge you a balance transfer lee. in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the foe to the. halanr.e for the related category as of the transaction date of the balance transfer. For exarnplo, a transaction fee for a balance transfer would be added to your lialance 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 lees will be added to the balance for purchases made during the billing cycle. Annual Membership Fee: 11 your account has an annual membership fee, it will be billed each year or in monthly installments las stated in the Rates and Fees Table), whether or not you Lisa your account, and you agree to pay it when billed. The anneal Page 2 of 6 C'MA12762 In embershipteelsnon-refundable: on Iessyouno IifyUs III at yo awish to cias eyouracc otin I within 30 days ofthe datewe mailyourhilling statement 0nwhich Ilia annual membership lee is charged and at the same time, you payyuur outstanding balance in full. Ynur payment at the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual membership lee until you pay your outstanding balance in full and terminal(: your account relationship. Late Fee: II 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 lee using the Previous Balance on the current month's statemontthat shows the late fee. This balance is the same as the New Balance shown on the prior month's statemont for which we did not receive at least the required minimum pavmoni by the date and time it was due. Overlimit Fee: If your account balbncu 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 creditline because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one overlimit fee for any hilling cycle. But we may charge an overlimit fee ;n subsequent billing cycles, even if ne new transactions are made on your account, it your account balance still is over your credit line at any time during the subsequLnt 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 (r.) we must return a payment check because it is not signed or cannot he processed, we may charge it return payntont lee. Return Check Fee: It (a) we stop payment on a cash advance chuck or balancri transfer check at your rLquest, or (b) vve refuse to pay a cash advance check or balance transfer check, we rnay charge a re:em check feu. Administrative Fries: If you oquesi a copy of a billing statement, sales draft or other record of your account or if you request two or mora cards or any special services Ifor example, obtaining cards on an Lxpodlled basis), we may charge you for those services. However, wo 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 wa offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: We do not receive at least tho minimum amount due by the date and time due as shown on your billing statement. You exceed your credit line:. You fail to Comply with the terms oI this agreement or any agreement with one of our related companies, We obtain information that causes its to believe that you rnay he unwilling or unable to pay your debts to us or to others on time. You file for bankruptcy. You became 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 balancu immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we dLt-m your account to be six or more billing cycles past due. To the extent permined by I;iw, 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 timL. If you call its to close your account, we may require that you confirm your request in writing. We may r. lose 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. II you or we close your account, you and any authorized users most immediately stop using your account and destroy all cards, checks or other means to access your account or return thorn to us upon request. You will continue to be 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 on your account arcnrrding to the terms of this agroenenl. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any lime attar your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES 7I4E RIGHT TO GO 1"D COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BL•FOREA JUDGE OR JURY, AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT' YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall bo governed by and be enlorcuable under the Federal Arbitration Act (the *FAA"), 911.S.C. 41-16 as it may hr. amended This Arbitramnn ;grcoolant sets forth the circumstances and procedures under which claims (as defined br.la:a'I may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, "we', "us", and "ou(' also includes our parent, subsidiaries, affiliates, licensees, predecossors, successors, assigns, any purchaser of your Account, and all of their officers, directors, empfoyoos, agents, and assigns or any and all of them. Atlditiunally, "we", "us and "our' shall include, any third party providing benefits, services, or products in connrcfion with the Account lincluding 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) Ii, and only if, such a third party is named hyyou as a co-cLlendnnt in min Claim ynii assert against its. Claims Covered. Either you or we may, without the other's catiselt, ollect inandal(lry, binding arbitration of any claim, dispute or controversy by either you or its 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 Caidinr.ndm:r AgruemLm, any prior CBrdntLrnberAgrLement, your credit cart) Account or the advertising, application or approval of your Account ("Claim"). This Arbitration Agrerimeni gov(irn:; all Claims, whether such Claims are based on law, statute, conracl, regulation, ordinance, lost, common law, constitutional provision, or any legal theory of law such as respoodeat superior, or any other legal or equitable ground endwhelher such Claims seek as remedies money darngLS, penalties, injunctions, or declaratory er equitable relief. Claims subject to this Arbitration Agiemnunl include Claims regarding the ipl)lirahiliiy of this Arl)iiritinii Agreement or the validity of the entire Cardmember Agreement or any prim Cardmembe, 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 turm Claim is to be given the broadest possible moaning: Claims subjectio arbitration include Claims that are, made as counterclaims, cress claims, third party claims, interpluaders of otherwise, and it party who initiates a prnr.ording in court may elect arbitration with inspect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agratimuni, you retain the right to pursuo in it small claims court any Claire that is within that court's jurisdiction anti proceeds on an individual basis. If a parryelects to arbitrate a Claim, the arbitration will bo r.onductt-d as an individual action. Neither you nor we agree to any arbitration on it class tit rupinseniative basis, and the arbitrator shall have no authority to proceed on such basis. This means hunt even if a class action lawsuit or other representative action, such its that in the form a( it private. attorney genoral action, is filed, any Claim between its relaterl to the issues raised In such lawsuits will be subject to an individual arbitration claim if either you of we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may bo joined in an individual action under this Arbitration Agreemunt are it) those [)taught by us against you and any cu-applicant. joint carrlmember, or authorized user of your Account, or your heirs or your frusute 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 its. Initiation of Arbitration. The party filing a Claim in arbitration must choose one at the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum.These administrators are independent from us. The adminisnratur dues not conduct the arbitration. Arbitration is conducted under the rules of the sniveled arbitration administrator by in 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 Itideral judicial district in which yet) 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 tsvu arbitration administrators, information about arbitration and arbitration fees, and instructions icr initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, Novi York, Nl' 10017-4605, Web site: www,adr.org, 000-778-7879; or National Arbitration Forum, P.D. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-forum.com, 800-474-237). Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitratorwill either be a lawyerwith at least ton years experience of a Poured or former judge. The arbitration will be conducted under the applicable procrrdtres and rules of the arbitration administrator that art. in effort on the date the arbilraliot is filed unless those procedures and rules art- inconsistent faith this Arbitration Agreement, in which case this Agreement will prevail. These procedures and riles may limit the amount of discovery available to you or its. the arbitrator will apply applicable: substantive law consistent with the FAA and applicablu statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and he represented by counsel.The arbilratorwill take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outsido the arbitration, if requested to do so by you at us. The arbitrator will have the power to award to a party any damages or other relief provided (Of undo applicable law, and will not have the power to award relief to, against, or for tine benefit of any person who is not a party to tho proceeding. If Ilia law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award inwriting but need not provide a statement of reasons unless requested by a party. Upon a request by you or its, the arbitrator will provide a brief statement of Ihu reasons for the award. Costs. We will reimburse you for the, initial arbitration filing Irt- 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 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 suluctud by you or us pursuant to this Arbitration Agreement. All other lees will be allocated in keeping with the rules of the. arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other 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 party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all fees and casts front another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at any time, cr 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 linal and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration hefare a pnnP.l of three neutrHI arbitrators designated by tho same arbitration organization The panel will reconsider all (,,anal and legal issues ;new, follow the. sanfo odes that apply to a proceeding using a single arbitrator, and make decisions basal on the vote of the majority. Each party will bear their own fees, costs and oxpenses for any appeal, but it party may rucuvur any or all lees, costs and expenses from ennther party, if thr. majority of tho panul of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as providrtl by the FAA Or other applicable law by any court having jurisdiction. Severability, survival. This AG itration Agreement shall survive: (i) termination or changes in the Cardmember Agrennunt, the Account and the relationship hutween 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 bahald; and (iii) payment of the debt in full by you or by a third party. II any portion of this Arbitration Agreement is deemucl 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, stay 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 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 dale it you do not want to accept certain Changes we are making. If you notify its in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable torms of the agreement, If you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will bu 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 lhuso othur people. If you think we have reported inaccurate information to a credit bureau, you may write to us r.; the Cardmember Service address Istod on your billing statement. Please include your name, addruss, account number, lolephonu 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 tiro report. If we disagree with you alter Our investigation, we will tell you in writing or by telephone. We will also notify file credit bureau that you dispute the information unless you lot 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 files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, collular or business telophone number or email address (if you elect to receive billing statf mr.nts or other notiras online), you must notify us immediately in writing at thu address shown on your billing statement. We may, of our option, accept mailing address corrections from the United States Postal Service. We flay contact you about your account, including for customer service or collection, at any address or telephone number as well as any collular Telephone number you provide its, TELEPHONE MONITORING AND RECORDING We., and it applicable, our agents, may listen to and record your ielephon 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 nur 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 att agreement and at least once each calendar your thereafter, describes our information sharing practices and the choices you have and directions you may give its about our sharing of information afoul you and your account with r.nnmanies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may riot 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 suhpowtal. You hereby agree that, if you choose nut to exurcise the applicable opt out des'crihed in our Privacy Policy, you will be deorned 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) vvith companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights uncles this agreementwithotn losing our right to enforce them in the future. It any of the leans 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 its, of any of our rights and obligations under this agrenne.nf to a third party. The person to whom we make the assignment will be entitled to any of our rights that tae assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALT. BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Ploaso call the Cardmember Service tulephono number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice. For Future Use This notice contains important information about your rights and our rnsponsihilides 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 rend more information about a transaction on your bill, write its on a separate. shout at the. Cardmember Service address Shown on your billing statement. Write to its 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. II you need more information, describe the hail( you are riot suru about. If you have authorized us to pay your credit Corti bill automatically from your savings or checking account, you can stop thp payment on any anfount you think is wrong. To stop the payutunt your letter must reach us at least three business days before the automatic payment is schuduled to occur. Your Rights And Our Responsibilities After We Receive. Your Written Notice We most acknowledge your letter within 30 days, unless we have cofrected the error by then. Within 00 days, we must either correct tho error or explain why we believe the bill was correct. After wo receive your lunar, wu cannot try to collect any amount you question, or report you as delinquent. We can continue to hill you for the amount you question, including finance charges, and we can apply any unpaid annum against your credit lino. You do not have to pay any questioned amount while vve are inv6sligaling, but you are still obiigatud to pay the parts of your hill that aru riot 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 pay finance charges, and you will have to makn up any missed payments on the questioned amount. In either case, we will send you it 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, it 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 wu report you to that you have a question about your bill. And, we must tell you the name of anyone wn re.porfed you to. We must tell anyone wo report you to that the maser has hrtr.n sealed Nuvveen us when it finally is. If we don't follow these rules, we can't r.nller.t tiro first 550.00 of the qunminnnl 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 thu 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 purchasu in your home state or, it not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if wa own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright 02007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he is Juan V. Montemgyor (Name) Assistant Treasurer of Chase Bankcard Services, Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. f (S nature) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~oti~tititp of ~it+rrh~lf,~~~ CsFF~C~,ti c Tt.c z'~ERIf~ 5"4~~~'°~~ r ~C ~~t- ~. t... ~ c;~CIt~OTAr~ Chase Bank USA, N.A. vs. Carole J. Robinson 1~~~ ~~~ ~'~ ~~~ 4; j ~ Case Number 2010-6069 SHERIFF'S RETURN OF SERVICE 09/30/2010 08:32 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on September 30, 2010 at 2032 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Carole J. Robinson, by making known unto Robert Robinson, Husband of defendant at 43 Country View Estates, Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time handing to him personally the said true and correct copy of the same. ~~-/ NOAH CLINE, DEPUTY SHERIFF COST: $38.80 October 01, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF !c7 GountySuite Sheriit. Teleosufl. Irc. V, !5 - lie, C? ??..? ? ! ?Ln1C. `?i_?? I? ? n/:1? . Its • 'n? it=s ? 1 GL i ??,?., r ? G' L Ge ?.r t V i ! I f' Irrwti C WKA t ru 1.?v' LL Y6l I??'"C' atJ ,,? CAMEL F Q <>- Tu 1f-) "'AT y ; wz v (m COW ??- != Same5 ?., "v1 oov-m 13Y- oel 5'i it ? WE L1'i AN) WFt NTZ--R(; ??. ?ZQS W. LP X. SUVL-e- fqe l41aa 43 ,195s 0 3q G I?? i' a' t VI M I'tJ h U,S?)0..nA ?ICt. lA.t ll. Gv? . YiN_ ?,it ..Yl 7 r v- ,?,a l? Earl . ly\,eh? Q!%m Qw1; i to (L ) SJ (. te LA) p air l ', n a?. jwc Io?+w, t?- firt ????,L ?-? y r S "S \1 •-A: C?L h j A--t. iA, F., ?J :.-I, •?,1 'L;. ?lj.. .w ? ?` ;?_1?1 ??,? "?? ?\, (. '?.? ?. ..4 C.?.C.,. ..,?'-L.,si...?. '0 L L ?'(J}, 71"41Y'-.- f? e L • n ?'- ` ? ?, ? ^•. s l5 ?h:i4 3 t?? ?°, C_.?"?a.•!`4L ??A..? r,' awT'l IG?_` s. ..1 ... 1 \ L. ?..w - t.ti.. uLC. S I kw I?t LI?...fY ? .A ?.K.. f 4 A. 1 t.+..?C°'., X ''Y!i f>re. ?? °-r_ay.., a.. rr.? r, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, NA, Plaintiff, VS. CAROLE J ROBINSON, Defendant. Case No.: 10-6069-CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 r.n 7 '- 0 te r - ? © O Ca Z _ - A © : c> c m WWR# 8396695 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, NA, Plaintiff, Case No.: 10-6069-CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT CAROLE J ROBINSON, 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 $3,422.23 with interest at the interest rate of 6.00% per annum from September 10, 2010, plus 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 February 04, 2011, 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 she applied for, received and made use of the WWR# 8396695 credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since September 16, 2009; and that $3,422.23 is a correct and accurate balance on the credit card account. 7. By way of her 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 $3,422.23 with interest at the legal interest rate of 6.00% per annum from September 10, 2010, plus attorneys' fees of $300.00, and costs. Respectfully Submitted: By: Matthew D. Urban, Esquire PA IN 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8396695 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: vs. CAROLE J ROBINSON 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 08396695 C A Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff i'S 1 Action T'to CAROLE J ROBINSON 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: CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE, PA 17241 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX7182 4. Defendant made use of said credit card and has a current balance due of $3422.23 . 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 ffor j,,id,gment against i;afendant , CAROLE J ROBINSON , individually , the amount of $3422.23 with continuing interest thereon at the statutory rate of 6.000% per annum from September 10, 2010 plus attorneys fees of $300.00 and costs. i James C. War ro t,42524 WELT WEINBERG & REIS CO., L.P.A. 436 S e th Avenue, Suite 1400 08396695 C A Pit KMJ Pitts ur h, PA 15219 (412) 43 -7955 FAX; f -338-7130 This law firm is a debt collector attem t' g to collect this debt for our client and any information obtained ill be used for that purpose. 8396696 Paytward Due Date NOW Balance Past Due Amount MlNmsm PayrneM 08117n0 99.422.7) $919.00 51.017.00 Accotad number: 4185 8615 1986 7102 $1 MoYeyoar ianouneysbte[e: I C hoo,o Cord 9pvke PWasrlondosad. Now rdd schooross a o-md1 Pmt a, trade 41858615198671820010770000342223000000000000009 -.9 Z,In.* CAROLE J ROBINSON 4-1 COUNTRY VIEW EST NEWVItL : PA 1 724 1-970 6 t,..111..rt.,i.1.i..I..III I.J.I...OI,,..tt...1.J..1111,1.11 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 193965153 p r: 50+00 1.60 2Rt: 0 LB L S 69B G? 38 2 bus CHASE ® C? wno9s your acswnt aNlm: AddefwW cwrtsa bfo mtlon a? eonvoniwlllytocatadonsvonevos ACCOUNT SUMMARY Amourn Number: 4185 0316 1986 7192 Proriam Balm- $3.299.09 Fees Charged +$39.00 mires! Chmpad +985.14 Now Balance 93.422.23 OpeningiCbeing Dale 03t21110 - 04120n0 Total Credit line $3.500 Available Credit ST7 Cash Acuesa Line $700 Available for Crash $D PAYMENT INFORMATION New Balance 53.422.23 Paymord Due Date 05/17!10 M9Nmunt Payl'nss Due 51.077.00 Leto Payment Warning= 9 we do not receive your mirwlarm paymerd by the dale listed above, yew may lave 10 pay up 10 a 598.00 Into tee and your APRs wig be subject 10 increase 10 a mex6nrn Panty APR of 29.99-/.. Wnkmm Poppers Warning: it you make only the nihirrium payrram each period you will pay nwre in interest end it wll lake youlon0arlopaye11yaubdanm. Foremmpn- 0 you make no You will pay off Me And you 919 and up add6onal charges betas" shown on paying en e58msed using ills cad and this, strsnent In hotel o1... each nen9h you about- pay - Only the rr**n rih 26 years $11,592 payph4r d you would We Inlormefen about croAt counatlino services, can 1-66679749A5. The outstanding balance on your credit card account Is scheduled to be wdsen of as a bad deb shorty. As a t Jt. you credit bureau wig be vIodaled wilh a negalkre rs" that could last for up to seven yews, Wa can sdtl help t w y W nand lodal us now at 1-3e9-792-7647 (owed 1-302-6849200). (FLEXIBLE REWARDS SUMMARY I P®vious. Pdrda Balance 0 Thank you for us-no the credit card that awns Points Esnsd m Purchases This Period 0 rawaroe that dart be used for travel, off cards, Poking Ewnod Through Chase Rewards Plus o cash, or rrwmtendise. Bernentber, you can New TotA Pans Balance 0 ohm pores by using your Flexible R9wsrds credll cstl for everyday purchases tike orocorim. one. and drugstore purclase& Your Chase Fledble Rewsrda audit card gems t point for every $1 you spend m pure amm, Earn up to an adoi0mul 10 points wtAe shoppbhg or*w trough www,chase.coMrewardsphm. Add au h4dZed tsars, and sign up le have you monthly bills charged to you card loo. Why nol oat awards for s9 ihose purcasea loo? Its that simple. Sinpty llo clase.wm it w r1s to choose your reward lodayl Rsdeom your points anyfime, or just check out now otlare at ww orximse,to towards. ACCOUNT ACTMTY Dale CA Trensacton ??1y MetUem Nerns or Transaction Osenipisn ay; d, $An-M 04!19 I've rl? .YS' ,,.... ...... a yam,.-?„Zic•???`?.tt.??.` •?i ;:? • •E ]9.1X1 TOTAL. FEES FOR THIS PERIOD _ 939.00 0020 I/AC IN EST CHARGE 9514 TOTAL INTEREST FOR THIS PERIOD $85 14 . . .,..icy: Total loss charged in 2010 9117.00 ` Tolatinimmsichargedin2910 ...(Or6 .., a.x: .. $2301.65 Year-to-dale lolala re08ct of cnargss mine any rakmde applied to pow account M or 01W Jsrlrary 31.2010. This Statement Is a Facsimile - Not an original oooooel F0353ta Da Do) N Z 3s, tagrIIO Paget ea (mM W1.1Ih 3alPJ IIMO0o00r0061ne.a]ef x(06, EXHIBR 2of5 Cerdmember Agreement CMA12762 ACCEPTANCE OF THIS AGREEMENT This agreometit governs your credit card arcaum with its referenced on the card carrier remaining the card for Ihis Or: count. Any use Of Vold 3CCOU11 iS Covered bythiS agreement. Please read the ontire agreement and kuup it lot your records. You authorize its 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 well as any feos arlinance clarges. 11 this is a joint accuunt, each of you, together and individually, is responsible for paying ell atnounts U'ved, oven if the account is Used by only one of you. We may require that ::? :sty ,(. 'a :amount us?•rd .vhhcut first asking the other parsoofs) to pay. case sign :.ht: u.tck of gout card Noel) ryou receive it. You will be bound by lhis agreement vnu rr anyone aurnorizad by you use your account for any purpose., even if you don't sign your card. Whither you use your a ecornt or not, you will be bound by this agrecr icni :mless you c: noel your account within 30 days after receiving your card and you have not used your account Inr env purpose. Throughout this agreemew. Ow woids'We "its- and bur' mean Chase Bank USA, N.A., tiro issuer of your credit card and account. The words 'you*, 'your" and "yours' mean all persons responsible for complying with this agreement, including the personwho applied Inr ilia account and the persun Io whom we address billing statements, as well as any person who agrees to be liable on tike account. The ward "card' moans one, or morn cards or other access devices, Stich as account ountbers, that we have issued to permit you u, obtain credit under this agreovieni. USING YOUR ACCOUNT Your accuunt 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 nut hp responsible for merchandise or services purchased or )eased through usr of your account. You promise to use your ac count truly top valid and lawful transactions. For example, internal ga,nbling may bat iilegal in some planes, 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 it transaction oven it it is not permissible or contemplated under this agreement. Types of Transactions: Purchases: You may use your card to poy for goods or services, Chocks: We may provide you cash advance chocks or balance transfer checks as a way to use your account. We also rater to them in this ogruurnent us if chock or checks. You may use a check to pay for goods or services, to ironster balances soyour account, or for other uses we allow. But you may flat use these checks to transfer balances if) this accoaht Irom other accounts with us cir any of our related companion. Only the parson whose nape is printed on the check may sign the check. Lash advance checks are irealnd as cash advances and balance transfer checks afu Ifuuted as balance transfers except as noted in this agreement or any offer we make to you. We mnytrant clucks that we call convenience checks os balance transfer checks. However, chocks thin we call convenience chocks and that we indiratpd to you are subject to the iornis for rash advances, maybe ticated as cash advances and assessed rash advance rates and lees. Bnhutrrt Tn nslrrs: You stay transfer balances Iron other accounts of loans with other credit card iesuers or other lenders to this account, or other balance, transfers we allow. But you may nut transfer balances to this account from uthnr accounts with its or any of om related companies If it portimt of a requested balauco transfer willexceed your available credit line, we may process a panial balance transfer op to your available Credit line C;ish Advances: You [nay usu your card to get cash Irom automatic teller machines, or item financial instilutions auuuplimg the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash•liku charges; or to obtain lottery tickets, casino guming chips, race track wagers orlor similar belting transactions. You may also use a third parry service to maku a payment ohyour behalf and bill the payment to this accounl. Overdraft Advances: fl you have on eligible checking account with ono of our rolated banks, you may fink this account to your checking account with our related bank to cover an ovort)r3f3 on than checking account under the [anus of this agreemunt told your checking account agreennew. Billing Cycle: In order to manage your acr-ount, we divide tfrnu into periods callers-billing cycles". Each billing cycle is approximatolynne monthin length. For each calendar infinill, your acr,ounl will have a hitting cycle that ends in that 111011th. Your account will have a !tilling cycle ending in eavih calendar munfh wlwihpr or pot (here is a billing stalumen !w that billing cycle. Authorized Users: II you allow someone to use your accounl, that peffatt will be an authorized usec You may request an additional card for use by an authorized user on your account. 11 you do so, this account may appear on the credit report of that authorized user. You shoutd think carefully before allowing anyone to becene an authorized user because you are allowing that person to use file uuctont as you can. You will remain responsible for the use of your account and each cardissund on your account according to the terms of this agreement. This includes your responsibility for paying all charges on your account made Wait authorized user. You must notify us to terminate an authorized user's permission to use your account. 11 you nolily 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 usuc Credit Line: Your credit line appears on your billing statements. We may also roler to ilia credit tine ns a credit Ilatit. Your billing statement may also show that only a punier of your credit line may be used for trash advances. Cash advances, including cash advance checks, are charged against ilia cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible lot keeping track PsgIt I of 6 of your account balance, including any foes and finance charges, and making sure it remains below your credit tine- If your account balance is aver your credit line for any reason, we may charge you an ove-rlimit lea us described in this if greemuru. Wa may, but are not required to, aulhorixr- dirges that go over your credil lira. Yost: nwsl pay any amount over Yalu credit fine., and you must pay its immediately if we ask you to. This agreement applies in any balance on your account, including any bal.,nr-e over your credit line. Aii our discretion, we may increase, roduca, or cancel your credit line, or the cash advance portion of your crodit line, at any time. However, if you have asked us not U) do so, we will not increase your credit line, A change to your credit fine will nut aliect your ubliyauun to pay us. Frncraational Transac(io!ts: Inlenhatianai {ransaclfuns faaaudb airy transactram that yart :cake in a lureign currenei; oramt make uutside of the urti!otl Sfales uf Anutrir.;; even it it is made in U.S. dollar;. d you make a transaction in a lon:iyr curr+uncy, Vise International or MasterCard Iniernationdi, !nc., w'dt CObven Urc Ifdnsaction into ti.S. dollars by using its raspectivu currency conversion procedures. Thu exchange rate each entity uses to convert CUrrL"Icy is a rate that it selects either [lure Inr- rang;: Of rates available in the wholesale currency markets for the applicable processing dnta (which rate may vary from the rate the respoctive uniky itself receives), or lilt, government-mandated rate in effect on the applicable processing dote. The rate to ellect on the applicable processing date may differ front ilia rate on the date you used Your card or accounl. We reserve the right to charge yo t an addhionaf 3 % of the U.S. dollar amount of any inrernaficnal rransar-linn, whinhrr that Iransartio0 was originally nr,-,tle,, in U.S dollars or was made in another currency and converted to U.S. dollars by Visa or MaslurCard. In either case, the 3% will be calculated on ilia U.S. dollar amount provided to us by that entity. The same procoss and charges may apply it any iouinational tansarlimt is reversed. Refusal lu Authorize Transactions: Wu may, hot are not rmtuinud Ill. decline a uan:;acliun nn your account lot any of the following reasons: because of operational comidaru0ons, because your account is in dulaldt, if we. suspect Irnudi lent or onlawf ll activity or, in our discretion, for any other reason. We are not responsible for any losses 11 a otinsacfinn an your account is declined for ally reason, either by us or a third party, even it you have sufficient credit available. For online transactions, we may require that vast r0gislur your account with an authorization system that we select. We will notify you it we wan! you to rugistcr. If Vail do not register, we may decline your onlina iansactfons. Refusal it) Pay Checks: Each check youwrite is your request for funds. When we receive a chock .for payment, we may review your account to decide whether in authorize that check, We may, but are not required to, reject anti relurn unpaid it check for any 'mason. including the following examples: We or one of our related canhpanics is Ilia payee era ilia check. Your credit lino or cash advance portion of your credit fine has Iseult exceeded, Or would be exceeded if we paid the chock, The clock is post-dated. If it post-dated check is paid, fesulha{l io another checl: being returned or not paid, tae are not responsible. You have used die check ahem the date spor.ilfad un ft. You arc in delault of would be if we paid the check. Lost ur Stolen Cards. Checks or Account Numbers: If any cari, cl!ccl(, ncuuum !rurober Of other means In access your accounl is lost or stolen, or you think sorononr, used (ir may use them whbon you permissinn, you must noify its tat once by r,allirg the Carrdmernber Service telephone number shown on your card or billing stalormmW. On not use your account aflrr you nolily ms, even it your card, chuck, account number )r other means to access your account is lound or (eturned. We may terminate up se%peud your credit privileges when you nnlity its of any loss, then or un.irnhorizad list! felawt! tc your account. You may be liable if Ibmro is unauthorizod usu of your arrounf Irurn W114:11 you n!cefvo no benefit, but you will not be liable lot mere than S5D.00 of such transactions, and you will not be liable for any such Iransaclines made after yov notify its of file loss, theft or unauthorized use. However, you oust idenfidy for its the unauthorized chan.tes Iran which you received no benefit. We may require you to provide us inlonnation in writing In help us find out what happened, We may also roulette you to comply with Cowin procedures in ulnae-elinn with our investigalion. PAYMENTS Payment Instructions: Your billing sialemenl and accompanying envelope include insimctions you must follow for teakiny paymods alit) Sets foul d+u date and time by which we, most receive the payment. You agree to pay its umDunls you owe, in U.S. dollars drawn us) funds oat depusii in it 11.& linancial institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic debit that will he. processed or honored by your financial inslilulion. We viol) not accept cash payments. Your total available crip.6t may not be restorod for up to 15 days after we recoivu your payment. Any payment check Of other form of payment which you send to its for less than the left balance that is marked "Palo in lull'or with a similar notation or that you otherwise tender in full satisfaction of a disputed amount !conditional payments), must be sent to its at the conditional payments address listed nn your monthly statement. We reserve all out rights regarding such payments, For example, it it is detennined there is no valid dispute or it any such payment is received at any other address, we may accept Ilia payment andyo f will still owe any remaining balance. We nay refusu to accept any such paytneol by retorning h to you, 1101 caslhing it or by dostrnyiny it. All other payments that you make should he sent to the regular payment irldir ss shown nn your monthly statements. EXHIBIT z We reserve file right to electronically collect your eligible payment checks, at first pros onifnent and any re presentment, Irom the bank accoum on which tha check is drawn. Dur receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, it needed, by a draft drawn against the bank account. Payment checkswilf be collected eloctroniuallybysonding 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 art image will be maintained in our :ernrds. Minimum: Payment: You agree to pay at least the minimum payment duo, as shown on yaur hilling statement, so that wt receive it by the date and time payment is due. You may pay mart? tltan the minimum payment due and may pay ilia full amount you ,we ,, ;ht any rime. it yne have a balance !hat is subject to finance choryes, the l';orPflet, to is.:tie !essyou will pavmn inai::acharges because finance rhargts cecrue on your Laianc i each day. !our miffing statement shows gage beginning balance and your ending balance ithe New Balance' un your billing statement). if the New Balanco is S10.00 of less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of due following: 510.00; 21. of the New Rai; nre; or the sum 111 1% of eha New Balance, total billed periodic rate finance charyes, and any billed late and overtimit fees. As part of the minimum payment due.Lve alsu add any amount past due and anyamw int over your credit line. Payment Allocation: You agree. that we ere authorized to allocate your payments and credits in a way that is most favorable to or convenient torus. For example, you aurhori.e us to apply you( payments and credits to balances Willi lower APRs (such ns promotlmuil APRs) b0orv halances with higher APRs. crodin Ralanres: You may request it refund of a credit balancu at any Ifma. We may reduce the amomil of any credif balance by the amount of new charges of fees billed to yuur account. Aulomatic Chances: You may authorize. a third party to automatically cliargo your account for repeat transactions (lor example, monthly utility chargus,mmnborships and insurance premimns). 11 auwillatic charges ate stopped for any reason fincluding hucause your uccuunl is closed or suspended for any mason) or your account number chanr,ts, you arc rrsponsibte (or notifying the biller and paying these charges directly, it your account number changes, we may, but are not rtguirrd to, pay from your new account number charges that you authorized lobe billed toyaur old account uumbor. Pronholions: t tom time to time we may offer special terms for yaur account. If we du, we will notify you shout the terms of the offer and howling theywillbe in effect. tiny promotion is subject to til(! terms at this agreement, as modified by the rrromolionaf alter. INANCECHARGES Daily Periodic Pales and Annual Percentage Rates: Your airline) percentage rates ('APRs") and the corresponding daily periodic rates are listed on lbe Rates and Fees Table that is at the end of (his docurreonl or provided separately. To got the daily periodic rate wa divide the APR by 265, and in effect always round up ;)I the filth place to tilt right of (he decimal point. Variable Rates: one or more APRs that apply In your account mayvarywifh changes to (lie Prime Rdte. When you have an APR that varies with changes to [lie Prime. Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wall Street Journal two business days before ilia Closing Date shown on your billing statument. Tile 'Prime Rate" is the highest (U.S.) Prime Rate published In the Monty Rates section of The Wall Surer: i Journal. Ii The Wall Streer.lournal stops publishing Ilia Prime Rate, we will select a similar reference rate find informyou on your billing statement or iluough a separate notice. A "margin" is the percentage we add to the Prime Rate to calculate due APR. A 'business day" is any day that is not a weekend or federal holiday. The Rates and frees Tabio shows which rates, it arty, are variable rates. It also lists the margin lot each variable rato and nay minimum daily periodic me and corrospunding APR. feu business clays hgfore the Closing Data shown on your billing statement, we see what Phu Prime Rate Is. We than add file applicahlu margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. if our calcmlalion results in it changn era a daily periodic rate Irum the previous billing cycle because the Prime Rate has changed, the new rate will apply as of 1be first day of your bilfiny cycle that ends in the calendar month in which we made the calculation. I) the daily periodic rate increases, you will have to pay a higher periodic financut charge and may have (a pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement of any other agreement you have with us or any of our rulatud companies lot- any of the following reasons: We do not receive, far 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 crudit title on this account. You i nake a payment to its that is not honored by your bank. If any of these events occurs, wu may increase the APRs f including any promotional APR) un all balances fuxcluding ovordialt advances) up to a maximum of the default rate stated in the Rates and Foes Tuble. We may consider the following factors to determine your default rate: the length of time your amount has been open, the existence, seriousness and timing of the defaults nn your account; other indications of your account usage and performance; information about your other relationships with us or limy ul our related companies; and information we obtain from consumer credit reppres obtained train credit bureaus. The (fulault rate will take effect as of the ti,s! day ul the billing cycle in which the defauli ucrurs. If we decide not to increase your APR even though lhure is a default or if we do nor increase your APR up to the maximum default rate stated in ilia Rates and Fens 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 deiauft rates or reinstate. standard rates for all or selected balances on your account. Finance Chorge Calculation - Average Daily Balance Method (Including New Transeclionsk We calculate periodic iinanco charges separately lot each balance associatudwitha different category of Ira Pisa efforts (for example, purchases, bafaucp transfers, balance transfer checks, cash advances, cash advance checks, ovefdrall advances, and each promotion), These calculations may combine difiereni categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, brdance transfer checks, cash advances, cash iovance checks, and overdraft advances by nmhiplyong the daily baionre (or each ol'hose categories by the daily ueriodic r.'AL for reach of those cotegctlcs, each ,Jay. Yon may have uverdtali advances only if you have linked this accniml to if checking arcmmf with one of our related banks. We calculate the periodic finance charges for purchases, balance transfers, balance transfer checks, cash atlvancus. and cash advance checks subject to a prtnnotional rate the same way. but we usu the prurhu Banal rate. To get ilia daiiybalance (or each day for each category We take the beginning btdancv for that deg. We add to that balance any new transactions, ices, other chareies, and grim adjustments that apply to that category. We add it now purchase, cash advance., balance transfer ar overdraft advance, if applicable, w the daily balance as of the transartinn date., or a later date of nor rhoire. We add a new trash advance rher.k or balance transfer check to she daffy balance as of life date the cash advance check or halance transfer check is deposited by if payee., or a later dale of our choice. We subtract from Owl balance any paymunt;, crudils, ur credit adjust n itts that apply to that category and that are credited ir5 of that day. We treat a credit balance as a balance of zere. To gel the beginning bal: iwe for each cau?gary for the, next day, wr add rht daily periodic finance charge to the daily balance. Ii more than one daily periodic me colhld apply to a category, because the rare lot ilia category may vary based on the amount of its average daily balance, we will rise the daily periodic: rate that applies for the average daily balance amount at the and of the hitting cycle to calculate ilia daily periodic finance charge each day. This agreement provides (or daily compounding of finance charges. To get the total periodic finance charge) far till. billing cycle, we add all of Ihr. d.,ify periodic finance charges for each cutegury for each day during that billing cycle. Howavor, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charyu stalod in tho Rates and Foes Tit blo.11 hl is necessary to add an additional amount to ruach the mirhimum finance charge, will add that amount to the balance for purchases made during the billing cycle. The Insist finance charge. on your account fora hitting cycle will he. the: sum of Phil periodic finance charyes plus any transaction ice finance charges, For each calegorywt. ca)rulata an nverayn daily balance (including now intnsaclimts) for the billing cycle by adding 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 calagorybythe applicable daily periodic role, and multiply the tasuh by the number of days in the billing cyci% live total will equal the periodic finance clla(yes lee Ibef balance onribulable Imhof billing cycle, excP.ps inr minor variations (1111: to rourdiug. Grace Period and Accrual of Finance ChiMles: We accrue periodic finance charyes on a transaction, tea, or finance charge Irom the. dale it is added to your daily balance until paymmuin full is received ooymu account. Howover, we do not r.hnrgn periodic finance charges on newpurchases biller) during a billing cycloif we receive payment of your New Balance by the date and lime your minimum payment is due and we rereivod payment of your New Balance un your previous billing stauumuill try nhu dam and lime you payment was duo. This exception or "grace period"applies ugly to purchases and does not apply to balance transfers, balanco transfer chcclis, c asif advances, cash advance checks or overdralt advances, it applicable. Transaction Fees for Cash Advances: We may charge you a cash advance lot. in the amount stated in the Rates and Fees Table for cash advance chucks and cash advances. In addition, If you use a ihirtl party service to wake. ;t payment ooh your behalf and ilia service charges the paynhmn to this uccuunl, we neat' charyu it liallsacitull tell for tile paymoill, These transaction loos art; finance charges. We add file feu to the balance lot the refilled category as of file lransaction date of rte cash advance. For examplu, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Bulanec Transfors: Wt may charge you a balance iranslor let. in the amount stated in the Rates and Flies Table for halance rransler checks and balance transfers. These transaction fees are finance charges. We add the fee to tilt, hnlanre Inc the related category as of the transaction dale of the balance transfer. For example, a transaction fee for a balance Ira isiet would be added in your balance transler balance. OTHER FEES AND CHARGES We may charge the following foes. The ainounts of these fees are listed in the Ralcs and Fees Table. These foes will be added to the balance for purchases made during ilia billing cycle. Annual Membership Fee: II your account has an annual membership fee, it will the billed each year or in monthly installments (as stater) in Ilse Rates and Fees Table), whether of not you use your account, and you agree to pay it whrn billed. The anwrol Page 2 of 8 GMA12762 membership fee is non•relundabie unless you notify us ihal you wish to Close your ar60 tint within 30 days of the date we mail your billing statemnni on which the annual membership lea is charged a nd nt the some time, you pay youroutstanding haltinca in lull. Ymu paymot of the annual membership fee does not atloct our right to close your account at limit your right to make transactions on your account. If your account is closed by you or us, we will Continue !o charge the annual membership lee until you payyour outstanding balance in full anti terminate your account relationship- Late. Fee: If we. do not receive at least the required minimum payment by the date and time it is dun as shown on your billing statement tot any billing cycle, we. may charge Ilia late fee shown in the Rates and Fees Table. II the late lee is based on a balance, we calculato fill: late fee using tine Previous Balance on the currant month's siatement that shows the late too. This balance is ilia same as the New Balance shown on the prior 'umth's ,!alrmr.nt for "vitii;b wo kd not receive :it least!he required minimum payment ny 0,s , date and fume it was 'sue. '..veriima ;cc: it vour account claiancu is aver your credit fine at any time durb!g a billing c,cie, even it only lot n nay, we may charge an oveiiiinit fee.. We may chargo this ILL, avun if your haiance is over tho credit fine because of a linance charge or fee wit Imposed or a Irensar,tion we authorized. We will not charge more than one overlimit fee to( any billing cycles 3ut we may charge an uverlimir lee fn subsequent billing cycles, even if no now transactions arc madr. on Your account, it your account balance still is over your credit tine at any lime during the suhsegwIni billing cycles. Return Paymcni Fee: 11 (a) your payment check or similar instrument is not honored, (bl an automalir. debit of oche! (lurtronic payment is returned'mpaid, or (r,) we most return a payment check because it is not signed or cannot be processed, we may charge u return paymeit lee. Return Check Fee: If (a) we slop payment on if cash advance check or haiance transfer cluck at your rugtest, of (bl the refuse to pay a cash advance check or balance. Ironsfer check, we may charge a re!f:ur check foe. Adminisir.own Fees: Ii you ?vquesl a copy of a billing statement, sales draft or other rrcorcl of your account of it you n?quest two or more cards or any special services (for example, obinining cards on an expedited basis), we may charge you for tltoso services. However, we will not charge you for copies ill hiling slatemenas, safes drafts or similar documents that you request fora billing dispute you may asson against us under applicable law. We may charge, fog any sorvires listed above and other services we provide, the Ices from time to time in efluct when we offer the service- DEFAULT/COLLECTION We may cunsider you to be in !leiault if any of these occurs: We do not receive at loan atn mtr.imum amount due by the data and lime, due as shown on your billing staiemem You exceed your credit line. You fail to comply with the torms of this agreoment or any agreement with one of oily refilled companies, We obtain information that causes us to believe that you may he unwilling or unahlo to pal' your dubts to us or to ulhers on lime. You file lot bankruptcy. You become incapacitated or in the event Of your death. H vve consider your account to be in default, we may close your account without notice and require. you to pay your unpaid balance iniiaed'tately. We also may require you to pay inierest at the fall. 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, it you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and off rather expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. 11 you call its to close your account, we mey require thatyou confirm your request in writing. We may close your account of any lime or sospend your credit privileges at any time lot any reason widmul prior notice except as required by applicable law. If we Close your account, we will not be liable to you for any consequences rrwhing from closing your account or suspending yow rredil privileges. if you or we close your account, you and any authorized users most immediately slop using your account and destroy all cards, checks or other means to access your account arf lion them to its upon request. You will continue to be responsible for charges toyour Ycnunl, enun if they arr. made of processed after your account is closed and you will ba required !o pay the omsmnding balnllre On your account according m the terms of this agrcument. In addition, to the extent allowed by law, we may require you to pay the omslanding balance, immpiliaiely or at anytime after your accminl is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO Of 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, BEFOREA JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FRED 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 FXCL'PTASOTHERWiSFPROVIDED BELOW, THOSE RIGHTS AREWAIVED. Binding Arbil ralion. This Arbitration Agreement is made pursuant is a transaction involving interstate commerce„ and shall be governed by and fip enforceable nodal, !fill Fndural Arbitration Ac ttlhu'FAA"I,91).S.C.41-4Gasit may hot amended This Arbnrannni:gnoenren! sets forth the chcumslancas and procedures under which claims (as defined bela•.vi may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreemanr,'vm'.'us , and "our- also includes our parent, subsidiaries. affiliates, licensees, predecessors, successors, assigns. arty purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, 'wit",'us' ahd'uur" shall ircludu uny third party proving hennfils, services, of istodur.ts in connmction with ilia 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, emplovees, agents and represemauves) ?1, and only it, such a third pally iS neinrd try you es a c.,-?icl endant in en1' (,taint •{nv r?;„'n against us. Claims Covered. Either you or we may, without the other'; c:n scn6 rirct ntar:d;tury, binding arbitration at any claim, dispute of r.oniroversy by rilher gnu or us against the other, or against the employees, parents, subsidiaries, affiliates, beriellciafics, agents or assigns of the other, arising front or relating in any way to the Caufinemher Agreement, any prior Cardmember Agreement, your credit card Accumn or the adv0nisiny, application or approval of your Account i"Claini 1. This Arbitohlitin Agreement govern:; all Claims. whether such Claims are based on law, statute, --ontracl, regulation, ordinance, tort, common law, constitutional provision, or any legal theory of law such as• fespmideal superior, or any oiherlegal or equitable ground andwhelher such. Claims seek as renhodies money damages, penalties, injunctions, ur duclarataty or equitable relief. Clifims subject to this Arbilralion Agrucumnl include Claims regarding the applicability of dote; Aibiumirin Agreement or the validity of tho entire Cardmember Agreement or any prior Cardmembe. Agreement. This Arbitration Agreement includes Claims that i;rose in the past, or arise in the present or the lulure. As used in this Arbitrehnn Agreement. ilia term Claim n u; bu given the broadest possible meaning Claims sublectto arbitration include Claims that art, made as counterclaims, cross rl„ ims, third party claims, inicipfeaders of otherwise, and it Party who iniliales it proceeding in court tally elect arbitration with ruspoci to any such Claims advanced it the lawsuit by any party or parties. As an exception to this Arbitration Agreement, yell retain the right to pursue in a small claims court any Claim that is within that court's jurisdiction anti proceeds on an individual basis. If a parry elects to arbitfale a Claim, the arbiualian will be conducted as an indivfdwt) action. Neither you nor we agree to any atbitration on a class of rupresen!alivt, hasi:t, and ilia arbitrntar shall have nO authority in prncrrd on swAi basis. This means flint even it a class action lawsuit or other representative action, such as that in the form Of it private attorneygenoraf action, is filed, any Claim between us related to the issues raised w sucli lawsuits will be subject to an individual arbitration ciaiin it either you or veo sly elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may bu joined in an individual ac!iun m:der this Arbitration Agreement are 11) those brought by us against you and ally co-applicam, joint canlmumbor, at amaharizod user of your Account, of goer heirs or your Inrsuee in bankruptcy or (2) those brought by you and any co-oppficant, joint cardmember, al, authorized laser of your Account, or your heirs or your trustee in bankruptcy against its. Initiation of Arbitration. The party filing a Claim in arbitration most choose one of the following two arbitration administrators: American Arbitration Association; or Nationat Arbitration FONIII.These administrators are independent from us. The adminisnetor duos not conduct ilia arbitration. Arbilralion is conducted ender fill-, rules 'of tile svlojtatl arbitration administrator by an impartial Uhird puny chosen in accordance with oho rules of the selected arbitration administrator and as may ba provided in this Arbitration Agreement. Any arbitration hearing Moat you attend shall be hold at a place chosen by the arbitrator of arbitration adminislialor within the federal judicial distrirt in which yet, reside at the time the Claim is filed, or at some other place to which yen rod we a9fau in writing. You may obtain copies of rltn current rides of each of file iwu arbitration administrators, information about arbitration and arbilration fees, mid isimilictions If:( initialing arbitration by contacting the arbitration administrators as 1011DVA: American Ailtitrafion Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605, Web site; www.ad(.org, 000.778.7979; or Notional Arbitration Furum, P.O. Box 50191, 1•.Ainnoapolis, NIN 'i,105. yv-_?h silo: www.arbitration-lorum.com, 800-474-2371. Procedures anti law applicable in arbitration. A single, neutral arbitrator will rosoh,r Claims.Tho arbitratorwi0 either bo a lawyer ivilh at Icnst for years axpurieoca or a reared or former judge. The afilwaiion will be conducted Under tbo applinabli! ptor.ndarns and rules of the arbitration administralor that arc in nflecl on tie dale thn arhitraiinn is tiler! unless those, procedures and rules are inconsistent with this Arbitration Agroeuianl, in which case this Agreement will prevail, Those procedures and rules may limit the amount of discovery availabic to you or its. The arbitrator will apply applicable substantive law consistent with the FAA anti applicable slalules of limilalions, and will honor maims of privilege recognized at law. You may choose to have a hearing and hi: represented by counsel. The arbitrator w,rifl take reasonable steps to protect cusloinerAccuunt inlormafitin and other confidential information, including the use 01 1)1`0100v0 orders to prohibit disclosure outside the arbitration, it requested to do so by you of us. The arbitrator will have the power to award to a party any damages or Other relial provided for under applicable law, and will not have the power to award relief to, against, or Ior ifie benefit of any person who is not a pony to tine proceeding. if ilia law authorizes such feliel, the arbitrator may award punitive damages or attorney fees. '(he atbitratuf will make any award inwriling but need not provide a statement of reasons unless icquesind by a p.-my. Upon a request hyyou or us, the arbitrator will provide a brief statement of trio reasons for file award. Costs. We will reimburse you for the inifial arbitration filing foe paid by you up to the amount of 5500 upon recrip! of proof of payment Additionally, if there is it hrannq. we Pape3 of 0 CMA12762 Will pay any fees of the arbitrator and arbitration administrator lot ilia first Iwo days of that hearing. 'flip payment of any such hearing fees by us will be made directly to the arbitration administrator sulucted by you or us pursuant to this Arbllralion 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 tees and other 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 sa. Each party will bear the expense of the fees and costs of that party's anorneys, experts, witnesses, documents and other expenses, regardless of whirh party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any aoplicabWlaw in dutennining whether a party should recover any or all feus and costs from another party. Enfurccment finality, anpeais. failure at any delay in enforcing this Arbitration r grr,amenl :,t :boy tiro». ar !n ,:r,tmtectian s,idt any particular Claims, will not com;titule a `n,;;nrer of a. y rinnts .a r?gnirc aJhurr;ian at a !a1Cr I1mC fir :n CUnrIrGl1011 wHh any that Claims.:;ry dersiaa rendered in'wcn arhiliaiion proceeding will be lima and hinding On the parties, ordess a party appeals in witunq to the arbitration organization .vthin 30 days of issuance of 01L. award. file appeal must request a new arbitration imfore a poop,l of three neutral arbitralors designated by the same arbitration o« lartization, 'flit panel will reconsider all lartuai and legal issues anew, tnpnve Ihr. sarno rules that apply tit a proceeding using a single arbitrator, and make decisions baser) on Flip. vote of ilia majority. Each parry will bear their own lees, costs and expenses for any appeal, but it party may recover any or all fees, costs anti expenses train anniher party, if the majority of the panel of arbitrators, applying applicable taw, so determines. An award in arbitration will bit enforceable as pmvidod by the FAA or other applicable law by any court having jurisdiction. Sevcmhifily, survival, This Arbitration Agreement shall survive: Ill lerndnation or changes in the Cardmember Agreement, till!. Account and the iulationship between you and its concerning the Account, such as the issuing of a new account number or the transferring of tut balance in tie Account to another account: (ii) the bankruptcy at any party or any similar proceeding initiated by you or on your buhnlf; and )iii) paymunl of the debt in full by you or by a third party. 11 any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless ramain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any lime, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, cr modify provisions includes financial terms, such as the APRs and lees, end other terms such as the nature, extent, find onforcement of Ihu rights and obligations you or wi•, may have relating to this agreement. Modifications, additions, or deletions are called "Chancres" or a "Change We will Polity you of any Chunge it required by applicable law. These Changes may be effective with notice Only, at the time stated in our notire, in accordance with applicable law. Unless we -"ilia otherwise, any Change will apply to the unpaid balances on your account and to new transactions. 'file notice will describe any rights you may have with respect to any Change, and the consequences if you do of do not exercise those rights. For example,the notice may slate that you may notify us in writing by a specified date it you do not want to accept cerluin Changes we are making. If you notify its in writing that you do not accept the Changes, your ac count may be closed (if it is not already closed) and you will be Obligated (a pay your outstanding balance under the applicable terms of the agreement. If you do not notify its in writing by the data stated in the notice, 1)r if you notify its but then use your account after the date slated in the notice, you will be deemed to accept ail Changes in the notice and to accept nod confirm all terms of your agreement and all Changes in prior notices we have sum you regardless of `.whether you have access to your account. CREDIT INFORMATION We may periodically rivinw your crudit history try obtaining information front credit buruarrs and uthers. We mayrapurt Information uhout you art) your uccouni to credit burpaus,including your failure in pay us on time, 11 you request additional cards nn your account for raters, we may report ac count mlonnetion in your name as well as in the names of those oche people. If you think we have reported inaccurate inlufniaiion to a credit bufouu, you in (IV write to its a; the Cardmember Service address listed on your billing statement. Please includo your home, address, imcounl number, telephone number and a brief descriplion of the problem. IJ aveitable, please provide a copy of the credit bureau report in question. We will promptly investigate the manor and, if our investigation shows that you are right, we will contact each credit bureau to which w1) reported file Information and will request they correct ilia report. if we disagree with you alter our investigation, we will cell you in writing or by leloplrone. We will also notify file credit bureau that you dispute the information unless you let us know that you nn Icnger dispute the information. NOTICESJCHANGE OF PERSONAL INFORMA7ION We will solid cards, billing statements and othor notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to ono of you will be considered notice to all of you and all of you will remain obligated on ilia account, It you change your name,' address, of home, cellular or business telephone numbur or email address (it you elect to receive billinq smirnents of other notices online), you must uolify us in inediately in writing it the address shown on your billing sletemenl. We may, n our up(ion, arcept mailing address conectinns frmnihe United States Postal Service. We may cuntaci you about your account, including lot customer service or collection, s1 any addnas Or telephone number as well as any cetluiar telephone number you pruvide us, TELEPHONE MONITORING AND RECORDING WP„ On"' applicable, lour agents, may listen to and record your [allophone ralls with us. You agree that we, and it applicable, our agents, may do so, whether you of we initiate the telephone call. INFORMATION SHARING You authorizo us to share certain inlorrnalion about you and your account within our family of companies, and with others nutsidp, 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 colendaryear thereafter, describes norinlorntation sharing practices and the choices you have and direciinns you may give, its sbmrt mfr sharing of information ahma you find your ar,cnont with companies 1)r organizations within and outside of our family of companies. ILLINOIS CAROMFIVIBERS Illinois law provides that we inay nut share inlonnation ahord you w4b ccarrpanii;:; or P,Iher organizations outside of our family at companies unless Volt aulhodze 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 snbpeanal. You hereby agree that, if you choose not to exercise the applicable opt out (Ne ebbed in our Privacy Policy, you will be docirred to have aurhnrizP.d 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 lamily of r.mnpan;os, ENFORCING THIS AGREEMENT We can delay enforcing of not enforcp any of our rights under this agreement without losing our right to enforce them in the future. 11 any of the terns of this ogr•tnnent are found to be unerifotcuablu, all other terms will ramain in full forr.p. ASSIGNMENT We may assign your accoum, any amounts you owu us, or ;lily of our rights and obligations under this nllreP,rnent in it third party. J"h1) per,;nn w whom we make the assignment will be entitlud to any oI our rights that we assign to that pe(son. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCF WITH FEDERAL LAW ANO,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. WILLAPPLi' NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Ploaso call the Cardmember Suivice tulephono number on your card at billing slatumanl if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice- For Fuhre Use This notice contains important information about your rights and our respnnsihililies under the Fair Credit Billing Act, Notify Us in Case Of Errors Or Questions About Your Bill It you think your bill is wrong, or if you need more iuformation about a transaclian on your bill, wrilo its on a saparitn sheet ai the Cardmember Service address shown on your billing statement. Write to us as seat) as possible. We must hear Iron Vol; no later than GO days after we sent you the first bill on which the error or problem appeared. You con telephone us, but doing so will not preserve your iigfns. I» your letter, give us the following information: Your name and account number. The dollar amount of Ihu suspected error. Describe the error and explain, if you can, why you beliuva there is an error, 11 you need more inlorlnation, describe the item Vol) are not sure about. 11 you have aulhorized us to payyour credit card bill aatomalicalfy from your savings or checking accotml, you can stop the poymeul on ally amount you think is wrong. To stop the payment your letter must roach us at least three business days bufoin the automatic pnymunt is scheduled to uncut. Your Rights And Our Responsibilities Alter We Reccive Your W1urrn Notice We most acknowledge your letter within 30 days, unless we 1,ave corrected 1111) errn( by then, Within go (lays, we most tither correct the error or explain why wo believe the bill was rorruct. After we receive your loner, we cannot try Ill called arty amODUI you questinn, fir report you as delinquent. We can continua to hill you inn the amount you question, including finance charges, ondwe can apply any unpaid amount against your credit fine. You do not have to pay any questioned amount white we are invusligating, bill you are still obligated to pay the parts of your hill that are riot ill question. 11 we find that we made a mistake on your bill, you will not have to pay tiny linance charges related to any questioned amount. It we didn't make a mistake, you ntiy have, to pay linancu charges, and you will have to Mato up any missed paymP.nts an the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. )f you fail to pay the amount that we think you owe, we may report you as delinquent However, it our explanation does not satisfy you and you write to its within 10 days tolling us that you still refuse to pay, we must ton anyone we repon you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We most tell anyone we report you to that the matter has been sorted buty.•ee„ us when it finally is. If the don't follow these hulas, we can't ,;nller.t the first S%fftl 01 the qt;p.noond amount, even if your bill was correct. Special Rides for CrP,dh Clint Purchases Pnge 4 of 6 CMA12762 it you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good laith 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. Thera are two limitations on this right: )a) You must have made the purchase in your home state or, if not within your home state. vviihin 100 miles of your current mailing address; and (b) The purchase price must have been more than S50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advortisomenl for the property or services. Copyright VON JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMAt2762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 elating to rlISIA/orr! Falsifications to authorities, that he is Juan V. IVlontemayor (Name) Assistant Treasurer of Chase Bankcard Services Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. (S nature) t_ WI i -YIUi SLo n n NO! I © L?R Q-Avll V`---?, Lvolfl D? e rL xx?- n _ TN Is INKY a. Tame-Is L Wdr r 6 CA i t a W'i bp -?-, 2Cj.,q, Liam. f?L., bra ? d?cad war, ooEli,tl n- Lois ;r Ak-'6,v- i?v e t s',? v- c? e 10 1 t Via. --r> wa n-'Q- ?o r GZ _a ?v t rxi Y- - l> t 4?r K zs d??fa 4 'a? t !. L : c' - c ,use C i tt io",E?[ U6.?,Xf- In OvDft -V s4 ?&? 10,A LLe' ? il ? rr. ii?e- ki %? fD h- U,.?K Lhl r, Ma- x. : vh v 1t? i , LL j ? L * s F•1 `' 4, l DSyi r 6 t Br ut l?f ?+i tt? ???raM . ia)N Vhcs'N1n t?? ; d ? - i si?vr r?td L a,??? ramt <vvctir?,i@?a_??r?rt U511 4 ;. we- A--d± t1?1GZ?1?c?Ci4 e3rtl`1iI?S z' -4 4 + t fl C?CJ t? 1 ?C? LI ' r :tw c$1, %v dui. tc 1; s.?, d? ash ?? ?? u5 - -??6A'j wt u-l,.d f .t CL ?'3r, I t t Lil Y v 4 byY -A- . ?'o v° L? ?r_? at inn ?v? t z3 vim - c? t? ? Af V ' 9 t1 Ckh C_L # AFC rIT l ems. 01-Ld i??a-4 a? I LOCI IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, NA Plaintiff. NU_: i 0-6069-(-'IV11--hER%,j 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 in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director 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. J c 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 pholographlc 1111tler. of aCtli?d ?p{c)ilitGtloll ?;? .c? rp)? Itlcccl Ot' 1'LOroduced, pert allu;:? tp LU1Y 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) identify 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; (S) 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. Ii !111 % i}S`CiItTlCllt C3}}eCl For ;l` CjLit_I IS v, t`i}lr_dd t>:1 Tile 1 nsiS O? dll!' }'11!11 Ot OF i blind copies, date, subject matter; llLliPbC1 J patieS_ attachments ot_ appendlces; ali Pei-soils 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 Plaintiff's Complaint Adm fitted If the answer to Request for Admissions No. 1 is anything omer 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 February 20, 2004 through April 20, 2010 and attached to these requests as Exhibit "2." 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 Demed ?! t._ ahSlCf CO ?egrleS? IJi',?C11'11:SS10n5 t?i0. ? Ai air 'u111]'? .'?;;;iTian 1131 1_;llili?lliii?:?ic;Ci171iSSiull, ;Tease qualify your response by setting forth which parts of the request are admitted and Mitch 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 September 16, 2009. 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 ad?nitted or den 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 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 docwnentation 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 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: $3,422.23 is a correct and accurate current balance of the credit card account in question as of September 10, 2010. Admitted 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. Benjamuh l'. Bibler, Esquire Pa. I.D. 03'?98 Weltman, Weinberg & Reis Co., L.P.A. 1400 Kopp] Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8396695 DEFENDANT'S VERIFICATION I> - , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the fo-egoing Responses are true and correct to the hest of Inv knowiecf?i?_ inf??inlation 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 TT-_ 9 7 Carole J. Robinson 43 Country View Est Newville PA 17241 CfArA12762 (:ar4member Agreement ACCEPTANCE OFTNIS AGREEMENT This agreement governs your credit card arcountwilh us referenced onthe card carrier containing the card for Ihis account. Any use of your account is covered by this agreement Please read the entire agreement end keep it for your records. You authorize us to pay far a;rd r.har;e vow accmjnt for all transactions made on your account.You promise to a ;;ell3s wle2 crlinance charges . , ti f1SIJ{" ON e n. g .:,In a r,. / r• ?:r r of Ott Fir„d ny ihis ryr it •d unies your n,.-t,_.r a cc,Urt..ith.., •'_ c' iv m g Your c and and you have not used your account fur any purpose Throughout this agreement, the words and '01J.' mean Chase Bank USA, NA., the issuer of your credit card and account. The vvords'you-, "year" and 'yours' mean persons responsible for complyingwith this agreement, including the personwho applied for the account and the person to whorn we address billing statements, as well as any ds parson who agreesto be liable oil the a ccouni. The ward card means oneormorecar or other access devices, such as account numbers, that we have issued to permit you to obtain audit 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 forvalid and lawful transactions. For example, internet gambling may be illegal in some place&.11 is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying fora transaction even if it is not permissible or contemplated under this agreement types of Transactions: Purchases: You roily use ,,our card to pay for goods or services- Chechs: We may ptavide you cash advance checks or balance irahsfsr checks as a Nay to use your account. We also refer to them in this agreement as a chackof checks. You may use a check to pay for goods or services, toiransterbalances tayour account, or for other uses vve 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 vuhose name is printed on the check maysign the chsck. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement orany offer we make to yau.'Ho maytneat chackstitatwe call convenience checks as balance transfer checks. However,checks that we call convenience checks and that we indicated to you are subject Lathe terms for cash advances, maybe treated as cash advances and assessed cash advance rates and lees. Balance Transfers: You may transfer balances from other accounts or loanswith other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our relalad companies. If a portion of a requested balance transferwill exceedyour availabfa clndil line. We may )Feces a partial balance transfer up to your available credit tine, Cash Advances: You may use your card to gel cash irom automatic teller machines, or Lnm financial institutions accepting the card; or to obtain travelers checks, foreign £Lrrrersy,m4^eyn1detc wirptransfersorsimilarcash-likecharges;artoobtainlaiiery tickers, casino gaming chips, race uackwagersorforsituaftFienm ransacn 5".YuU- may also use a third party service to make a payment on your bahalt and big the payment !o this account. Overdraft Advances: If you have an eligil a checking accountwith one ofoui related banks, you may link this account to your checking account with our related bank to cover an overdraft on [hat 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 calfed'billing cycles". Each billing rycle is approximately one monthin 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 pat there is a billing statement for that billing cycle- Authorized Users: II ,,ou 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, ff you do so, [his account may appaw on the credit report of that authorized user. You should think carefully before allowing anyone to become on authorized user because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on your accounl according to the terms of this agreement. This includes your responsibAily for paying all charges on your account made by an authorized user. You most nosily us to terminate an authorized user's permission to use your account. 11 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 neans of access to your apcount from that authorized user. Credit Line: Your credit line appears on your birting statements. We may also ref er to the credit line as a credit limit. Your billing statement may also show that only a portion of your creditline may be used for cash advances. Cash advances, ineludingeash advance checks, are charged against the cash advance porrion of your credit fine, and all other transactions are charged against your credit line. You are responsible forkeeping track Page1orb EXHIBIT of your account balance, including any fees and finance charges, and making sure it remains below your credit lire. If your account balance is over your credit line for any reason, vie may charge you an overlimit fee as described in this agreement. We may, but are not required to, authorize charges that. go over your credit line. You must pay any emount over your credit line, and you must pay us immediately if we ask you to. This agreement applies !o any balance on your account, including any balance ever your credit line. Al our discretion, we may increase, reduce, or caneelyoor crcdk!ine, or the cash advance porlion of your credit line, at any time However, if you have asked us r t to do so, we Inrt?aS]"Cllr rfFCC r', `r. "cur :f-?.....-•.. A?, .?`fg y'W, f;,•3'IDn 'Ai no, 'i velars by using t re p co, e c 1 - - e?uly uses to convert currency is ra.e l Jt 1 1B r -r ' available in the wholesale currency markets for the applicacabla pro_c,smg , .c !.rh ch rate may vary from the rate the respective entity itself receives), or the government-mandated rate ir• affect on Ihx applicabL° processing d rte. The rte ir, zHect on the applicable processing dale may differ from the rate on the data you us=d your card or account. We reserve the right to charge you an additicnal3% of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S- dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard, In either case, the 3 % wilt be calculated a,, the U.S, dollar amount provided to us by that entity. The same process and charges may apply if any inlarnalional transaction is reversed. Refusal to Aulhurize Transactions: We may, but ai a not required in, decline a !ransaclion on your account for any of the following reasons! because of operational considerations, because your account is in default, it we suspect fraudulent or unlawful activity or, in our discretion, for any other reason. We are not responsible far any losses it a lfansacii-silt an your account is declined far 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 tvant you to irgisier. If you do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write is your request far funds-When ;ve receive a check for payment, we may review your account to decide whether to authorize that check. We may, but ate not required to, reject and return unpaid a check. for any mason' including the following examples: We or ono of our related companies is the payee on the check. Your credit line or cash advaric a portion of your credit line h as been exce ede d, or :would be exceeded if we paid the check. The check is post-dated. If a post-dated check is paid, resufti:rg in another check beino 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 Aeeounl r4umbem: If any card, check, account number or other means to access your account is lost or stolen, at you think someone used or may use them without your permission, you must notify us el once by caging the Cardmember Service telephone number shat-m on your card or billing statement. Dg no! use your account after you notify us, oven if your card, chec k, account number or ether means to access your account is found w returned. We may :erminate or suspend your d'r pr:,,ae,gpsn•hpn ynrr notify us of any toss the.°t or unauthorized use related to your account. You may be liable if there is unauthorized use of your account irom which you receive no benefit, but you will not be liable for more than 550.00 of such transactions, and you ,,rill not be liable for any such transactions made after you notify us of the loss, theit ur unauthorized use. However, you must identify for us zha -nauthorizod charges irom :which you received no benefit- We may require you to provide us Warmation cat winino to help us find cut what happened. We may also require you to comply cer•ain procedures in connection with off investigation. PAYMENTS Payment Instructions: Your billing statemenl and accompanying envelope include instructions you most follow for making payments and sets Icith tha 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 debit that wig be processed or honored try your financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the fug balance thei is marked "paid in fulr or with a similar notation or that you otherwise tender in lull satisfaction of a disputed amount (conditional payments), must be sent to vs at the conditional payments address listed on your monthly statement. We reserve ail 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 ;hat you make should be sent to the regular payment address shown on your monthly statements We reserve the right to electronically coliect your eligible payment checks, at first presaniment and any represent ment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of the check electronically, or, if needed, by a draft drawn against the bank account. Payment checks will be collected electronically by sending the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment. The :,ri+;inal nayment checl',A1 be destroyed snd an image will be maintained in our e i 3 {oc I . i tg sta,eint nt slfows vcu bur nit g ?`a t end you. eni inq L a an.. e I h? -New Balance-on yourbdling siateneni). If the New Balanco is sl6 JD or less, your minimum payment due will be the New Balance. Otburwise, it will be the largest of the feller ing: SIU.OD; 2%. of the IJaw Balar,ce;or the sum of } of the!^lew Bafanca, total billed periodic rate finance charges, and any billed late and Dvedimit fees. Ps pan of the minimum payment due, we also add any amount past due and any amount over your credit line. menu payment Allocation' You agree that we are authorized to allocate your payment!; and credits in 3'Vvay that is most favorable to or convenient iDr us. For example, you aulhoriza us to apply your payments and credits to balances with lower APPS (such as promotional APRs) before balances with higher APRs. f_rcdit Balances: You may request a relurid 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. Aulorttatic Charges: You may authorize a third party to automatically charge your account for ToneaI transactions (for example,monthly utility charges, memberships and insurance premiumsf. It aulomatic charges are stopped for any reason (including because your account is closed or suspended for any reason) or your account number changes, you are responsible for notifying the biller and payingthese charges ' uired Ia. pay your new if account number charges ill aI youyauthor zed to be tilled t o to your Did acefou t number. Promotions: From time to time we may offer special terms for your account. If we do, we, will nutilyyou about the terms of the offer and how long iheywiR 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: Ycur annual percentage rates ('APRs -1 and the corresponding daily perindic 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 raia we divide the APR by 365, and in effect always round up at the tifth place to the right of the decimal point Variable Rates: One or more APRs that apply to your account mayvarywith chances to the Prime Rate. When you have an APR that vanes with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The 14/311SrreerJuurnallwo business days helore the Closing [)ate shownonyourbilling statement. The "Prime Rate- is the highest (U.S.) Prime Rata published in the Money Rates section o1 The Wall SireerJournal. it The Wall Srree( Journalist Dias publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or Ihrough a separate notice. na-? -ta cai,+tara the APR. A A margm is le '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 vanahle rata and any minimum daily periodic Tale and corresponding APR. Two business days before the Closing Date shown onyour 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. 11 our calculation results in a change to a daily periodic rate from te previous billing cycle because the Prime Palo has changed, the naw tale will apply s of the first day of your billing cycle that ends in the calendar month in whjcF we ar the iodic calculation. Ifthedailyperiodiclet,inc(eases,youvo•,llhavatOpaya hchar per finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary it you are in delauft 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 t;tis account or any other account or loan `rrith us, at least the minimum payment due by the date and time due. You exceed your credit line on this account. = You make a payment to us that is not honored by your bank. It any of these events occurs, we may increase the A.PRs(including anypromotional APR) on all balances lexcluding overdrofr advances) up to a max-imumof the default rare 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. ff vve decide notto increase your APR ever, though there is a default or i€ vve do not increase your APR up to the maximum default rate stated is the Rates and Fees Table, we reserve our right to increase your APR in the event of any future deiault. We may in our discretion determine to charge reduced def=ault cafes or reinstate standard rates for all or salactad balances on your account. Finance Charge Calculation - Average Daily Balance Method (Including New Transaction): yJe calculate periodic finance charges separately la[ each balance associaiedwith a different category of transactions (for example, purchases, balance vansfais, balance transfer checks, cash advances, cash advance checks, overdraft advances and each promOSien)"ThOSe calctaations may<'-ombina rd=-rent ct2crn>_; rnu h link d accu n r `Ala Calculate !nepencdtc hna ice chircres Icf Nut tea , - transfer checks. cosh advances, ar,u cash advance checks suf., rate the same way, but we use tha promotional rare. To get the daily balance [of each day for each c alagor/: We take ilia 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 OI the transaction dale, or a later data of Our choice. We add a nez: cash advance Check or balance transfer check m the daily balance as of the dale ,fie cash advance check or balance transfer check is deposited by a payee, or a later date o uur choice. We subtract from that balance any payments, credits, or c;eeit adjustments that apply to that category and thatare credited as of that day- We treat a credit balance as a balance of zero. To get the beginning balance for each cutegory for Ilia next day, vje add the daily periodic finance charge to the daily balance. H morn than oae daily periodic rate could apply to a category because, the rata 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 each day. This agteemen*, orOVides for daily compounding of finance charges. To get the total periodic finance charge for the biliing cycie, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due. we will charge yet, at least t5 minimum periodic finance charge stated inthe Rates and Fees Table. If it is necessary to add an additional amount to reach the niminem linance 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 category we calculate an average daily balance (including new transactions) for the billing cycle by adding al! your daily balances and dividing that amount by the number of days in the billing cycle. It you multiply the average daily balance for a category by the applicable daily pariodir_ rate, and mu$iply the resuftbythe number of days in Ilia billing cycle, the total will equal the periodic finance chergas for that balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges:` o accrue periodic inance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, ikre do not charge periodic linance charges on now purchases billed during a billing cycle if we racei'+e payment of your ew a ants y received payment of your New Balance on your previous billing statement by the date and tine your payment was due. This exception or 'grace period' applies only fo purchases and does not apply to balance Transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, if applicabla. Transaction Fees for Cash Advances: We nay charge you a cash advance lee in the amount stated in the Rates and fees Table fer cash advance checks and cash advances. In addition, if you use a third party sewice to make a payment on your `ai:a1) and the setviee charges the payment to :his accoun(, we may charge a fransacfion fee for the payment- These a -relatedreategory as of the transaction date of the cash advance. For balance transaction tee for a cash advance would be added io your cash advance balance. Transacliou Fees for Balance Transfers: We may charge you a ha!ance 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 lee 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 fe".The amounts of these leas are fisted in the Rates and Fees Table-These tees 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 billed eachysaror in monthly installments (as stated in the Rates and Fees Table), whether or not you use your account, and you agree to p3Y it when hilted The annual CMA12762 Page Z of 5 membership iea is non-refundable unless you notify us that you wish to close your ac count v,•hhin 30 days of the date we mail your billing statement on which the annual membership tee is charged and at the same tifil pay your outsiandingbafance in full. Your payment of the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account If your account is closed by you or us, we will continue to cha rgc the annual membership fee until you pByyout outstanding balance in full and terminate your account relalionship. Care rr_e: ff •.ve do not receive at least the required minimum payment by the date and shgw+, on tlnar billing ?taterneni for any billing cycle, we may charge the n If '.; e ;ate fee is based nn a balenc _, re Yom. 'iLpi n n ll I N a IJA'/, r re, :d ie tm;t c AA m/ r e Ir t= ;van;i your balance is uvc Ibe cradr 1;}e ar.c3uc, of a ('trance cltatgeUr (ee.:a ntpc.,_J nr a transaction we authorized. We vvdf not charge more than one overhmit fee lot any billing cycle. But we may charge an overli:nii lee in subsequent billing cycles, oven if no now iraT1Sal'lien3 are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: If (a) your payment check or similar instrument is not honored, {b) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check: because it is not signed or cannot be processed, we may charge a relurn 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 lee. Administrative Fees: If you requesl 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 maychargeyouforlhese services. However, we will not charge you lot copies of billing statements, sales drafts or similar documents thatyou request for a billing dispute you may assert against us under applicable faw. We may charge, for any services listed above and other services we provide, the tees from limo to time in effect when we o lei the service. DEFAUrr/COLLECTIDN We may consider you to be in default if any of these occurs( We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. You exceed your credit line. You fail to comply with the terms of this agreement or any agreement with one of our related companies. We obtain information that causes us to bebeve that you maybe unwilling or unable to pay your debts to us or to others on time. You life for bankruptcy. You became incapacitated or in the event of your death. II eve consider your account tg be in default, we may close your account without notice and require you to pay your unpaid balance imm idiaiely.We also may require you to pay ,Y direst at the rate of two percent (2%) a month on the unpaid balance when we deem •aour account to be six or more billing cycles past due. . To the extent permitted by low, if you are in default because you have failed to pay us, you will pay our collecliait costs, ultnrneys' fees, court costs, and all other expenses of enforcing our lights under this agreement rr OSING YOUR ACCOUNT You may close your account at any time. 11 you call us to close your account, we may requue MIDI you C01 1111M i . '')g may chose 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 lot any consequences resulting from closing your account or suspending your credit privileges. 11 you or we close your arcounl, you and any authorized users must immediately slop using your account and destroy all cards, checks of other moans to access your account or relurn them to us upon request. You will continue to be responsible for charges to your ac('ount, even it they are made or processed aher your account is closed and you will be required to pay the outstanding balance urn your account according to the terms of !his 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. ARBtTRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACESTHE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION DR OTHER REPRESENTATIVE ACTION. YOU WILL AIOT 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. I ABSENCE THIS U AGREEMENT, YOU WE MY OTERWiSEHAVE HAD ARIGHT DR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE DR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS IINCLUD)NG CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YDU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITFO. EXCEPT AS OTHERWISE PROVIDED BELOW,THOSE RIGHTS ARE WAIVED. Binding Arbitration.This Arbitration Agreement is made pursuant Io a transaction involving interstate commerce, and shaft be governed by and be enforceable under the Federal Arbitration Act (the'FAA"), 9 U.S.C- §1-16 as it maybe amended. This Arbitration. Agreement sets fortb the circumstances and procedures under which claims las de!ined below} may be resolved by arbitration instead of being litigated in coon. Parties Covered.For:hepurposes ofthisArbitrationAoreeoten:,and`cur'also includes our parent, subsidiar"ras, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account and all of their officers, directors, anployees, agents, and assigns or any and all of them.Additionally,":ve',-us and-our'shallincluda any third pal-Ty providing benefils, services, nr producis in conn.ectioii v iih the Acccuai (including gut not I n t.ad to r;?s ri a .,, ;rchants ti . _ , :Lams I overed. cmding arbitration of t / 1,` pu a r rontrcr t "'' other, or against the emp!oy_as, parents, subsidiaries, zfft.t.t_s, t . to I. s: 63_ ,ts of 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, contrect, regulation, ordinance, Ion, common law, constitutional provision, or any legal theory of few such as respcndea! superior, or any other legat or equitable ground and whether such Claims seek as remedies money damages, penalties,injunc6ons, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicabitity of this Arbitrauo.i Agreement or the validity of the entire CardreemberAgreerrem 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 Sri this Arbitration .agi all the !arm Claim is to be given the broadest possible meaning. Claims subject io arbitration include Claims that are made as counterclaims, cross claims, thirdparty, claims, f» terpleaders 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 thatis within That court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Clainrl arbilrationwill 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 ether representative action, such as That in the form of a private attorney general action, isfiled, 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 wish any other arbitration proceeding vfithout 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 =gains,, us. Initiation of Arbitration. The pang 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. Tile 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 A.rbitratioa Agreement Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or erbitrelion administrator within the federal judicial disfrici in which you resldo at the time the rt inn' fir d or at some other place to whicin you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration lees, and instructions lot initiating arbitration by contacting the arbitration administrator as follows: American Arbitration Association, 335 Madlscn Avenue, Ftoon ?0, New Yark, NY 10017-4605, Wele site; wvr4.adr-org, 800-778-7879; or National Arbitration Torun, P.D. Box 50191, Minneapolis, MN 55,105, Vveb site: www.arbitration-tor um. cam, 800-041-2371. Procedures and law opplicebie in arbilrafion. A sirnole, neutral a:bilraior will resolve Claims. The arbitrator wig either bit a ;Dwyer with at lease ten years ozpariance or a r erired or former judge. The arbitration will be conducted under d•e applicable procedures and rules of the arbitration administrator that are in effect on Tile dale 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 Simi! the amount of discovery available to you or us. The arbitTatter 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 prolect customer-Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so byyou or use 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 pa.-t Upon a request by you or us, the arb4ator will provide a brief statement of the reasons for the award. Costs. We will reimburse yet) 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 EMA12762 wilI pay ally fees of the arbitrator and arbitration aciministratorfor 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 tees will be allocated In keeping with the rules of the arbitration administrator and applicable law. However, we will advance orreimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the lees and costs of that party's artbrneys, experts, witnesses, documents and Other expenses, regardless of which !,;1"1V p'e rzds "31 rlitraLOn ,rd any anon al (as oernined belovro), arc p !1rat the 7mding11) lhe •3rl ?n r-rrut, .i .i..r,W u.-r ?r,rh,don q ,arr;uwr within 30 days of issuance of me -word. 'Le appeal must r?quesl a n--w` arbitration before a panel of three neutral arbitrators designated by the same arbitration organization-The panalwifl reconsider all factual and legal issuas anew, follow the same rules that apply to a proceeding using a single afbilrator, 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, it tine rnajoriry 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. Severahility, survival. This Arbitration Agreement shall survive: (i) termination of 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 Iranslerring of the balance in the Account to another account; iii) the bankruptcy of any party or any similar proceeding initiated byyou or on your behalf; and (iii) payment of the debt in full by you or by a third party. 11 any portion of this Arbitration Agreement is deemed invalid or unanforceable, the remaining portions shalt nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, ragardless otwhether 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 a greemeni. Modifications, additions, or deletions are called 'Changes' or a "Change". We will notify you of any Change if recuired by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. If you do not notify us in writing by the date stated in the notice, 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 elf terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT MfORIVIATIBN V,te may periodically revieve your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureavs, including your failure to pay us on time. If you request additional cards on your account for others, we may report account intormaiion in your name as well as in the names of ;hose other people. 11 you think vie have reported inaccurate intormaiion to a credit bureau, you may write to us at the Cardmernber Service address listed on your billing statement. ?tease include your name, address, account number, telephone number and a brief description of t'r,e problem. If available, please provide a copy of the credit bureau report in question. '!'/e will promptly investigate the mailer and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will 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 PERSONAE INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and ail 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 bitting statement. We may, at our option, accept marling address corrections from the United States Postal Service. We may contact you about your account, including lot customer service or collection, at any address or telephone number as well as any, cellular telephone number you provide us. TELEPHONE MONITORINGAND RECORDING We, and if applicable, our agents, maylisten to and record your telephone calls vvah us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone tali. INFORMATION SHARING You authorize us to share certain information aboutyou and yuur account .vffhin cur family of companies, and with others outside our family of cempenies including any company or organization whose name or mark may appear on the cards, as permittc.d by law. Our Privacy Policy, which is provided to you vahen you first receive an agreemertand ot'laastonce each calendar yearihereafterd -c ibesoarinfrtmation sharing ,pmctr `,d t. theses you I . nrd dine life -ay rt tj- : L•ou: dis..osuro or w he u•sclosure f u, under J .m't ( e , as sharing information to process your transactions or rp. »uns _ to ,ubpoene You hereby agree that, it 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 infmmautinwe 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 ornotenforce any of our rights under ibis agreementwithout 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 underihis z9reemenllo a third perry. The person to whomvve make she assignment wilt be entitled to any of our rights that we assign. to that person. GOVERNING LAW THETERMS AND ENFORCEMENT OFTHIS AGREEMENTAND YOURACCDU14T SHALL BE GOVERNED AND INTERPRETED IN ACCDRDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-IAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY No MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this [agreement- YOUR BILLING RIGHTS Keep This 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. 'Are must hear iron you no later than 60 days attar we sent you the first bill on which the error or problem appear=_d. You can lelophons us, but doing so will not presenra your rights. In your letter, give us the folio-ming inimmatiorc Your name and account number. The dollar amount of the suspected error, Describe the error and explain, if you can, why you ba!iav=_ sham is art error: If you nee more m - •? , ° -'. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is vrrone. To stop the payment your letter must reach us at least three business days befoto the automatic payment is scheduled la occur. Your Rights And Our Responsibilities After We Receive Your Writien Notice We must acknowledge your letter within 30 days, unless tva have corrected tha error by then. Within 90 days, we must either correct the Error cr explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amousrt you question, cr report you as delinquent. We cap, continue to bill you for the amount you question, including finance charges, end we can apply any unpaid amount against your credit Gna. You do not have to pay any questioned amount while we are investigating, but you are stiff 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 pay finance charges, and you will have to make up arty missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay she amount that we think you owe, we may reportyou as delinquent. However, if our explanation does not satisfy you and you write to us within )D days telling us that you still refuse to pay, we must tell anyone .wa report you to that you have a question aboutyour bill, And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been sealed between us when it finally is. If vie don t follow these rules, we can't collect the first SSD.OD of the questioned amount, even if your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 If you have a problem with the quality of property of services that you purchased with e 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 checUransactions. There are fwo limitations on this right: (a) You must have made the purchase inyour home stale or, it not withinyour home stale, within )00 miles of your current mailing address; and Ib} The purchase price must have been more than 550.00. These limitations do not apply it we owri or operate the merchant, or if we mailed you the ..dver7iseneni for Ilia proparty or services. Page Sol 5 CMA12762 P.O. Sc+ SM3J. Deb.. TX 752as-0432 ;... ?Indicata change oteddreas on beck Maly payments online with WashirVon Mutual. We easy. Just leg In to :4 I www.wamuca ftecm N pop Make Checks Polni to wksh1n@i Muaal WASHINGTON MUTUAL CARD SERVICES P O BOX 660487 DALLAS TX 75266-0487 'Ir11'r'rlrlmfllll'llrllrr'Irrrlll1ll11'rl lrl ll rlll'r911'l lrrl Payment minimum Oman" as of Account Due Dare payment C=W2007 Number ovtsror ita.oo i42A7 4185-8815-1986-7182 AMOUNT ENCLOSED (ew b1w of bleek Ink) $?????.?? CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241.8706 1ru 11 ur L.11111.1.1.11 4185861514867152 0001500 0004247 0000000 21 a 6092 0614 nG5 t 1 21 010220 PAGC 1 of 1 .1.204. a00D Important Mos iagee YOU RECENTLY ENROLLED IN THE CREDIT PROTECTION PROGRAM(S) THE MEMBERSHIP FEE(S) APPEAR BELOW. IF YOU ARE NOT COMPLETELY SATISFIED, YOU MAY CANCEL WITHIN THE FIRST 30 DAYS AFTER RECEIVING THIS STATEMENT FOR A FULL REFUND BY CALLING THE CUSTOMER SERVICE NUMBER ON THIS 'STATEMENT 2579 DETACH HERE .1A.6092 2519 Alatamem LA assts 0212097 Credls 8 Pa Is Woo •Credh Una $1,000.00 Cash Advances $0.00 Avadebls Credt for Cash Advances as of 0220`07 $200.00 NEW BALANCE $42.97 HSN Rewards VInO Summary Points earned this statement period 1.04300 Total pants balance as of Into statement 43.00 8396695 Beginning February 1, you'll now earn 3 polms per $1 spent at HSN and i point par $1 spent elsewhere. You automatically (eceive a $10 HSN merchandise crecilt every lime you react 1,000 pants. Ile that easy and rewaraingi May nol include recent adjustments or recent purchases. Transecsons Tran Post Dale Date Descrlollon r Reharenoe Number Amount lob ev P ENTER CARLISLE PA 4 50 9 11 P"33 RAkUKt!Vll PROTECTION FEE Copp 30,34 FOR BILLING ERRORS ANDIMPORTANT INFORMATIOli REVERSE OF PAGE 1. Balance Category Average Dally Prlodlt Corresponding Finance orao airy Balance Flats APR Charges Terms Purchase - Current Cycle $0.00 .OD00% O.D09: 00 TermA Cash - Currenl Cycle $0.00 .0657%• 2199W $0.00 Term B EtlecOve ANNUAL PERCENTAGE RATE (APR) : 0.00% 'These rata may vary. The Corresponding APR is the rate of irlereat you pry when you carry a belenw w Wrchom orcash atlyances. The Eaed-APR r ell eso as Your (oral fnanw rJlerpss - including tranaeekan foes such as sash advance and bahncs transfer fees - expressed katoplactinlego For 244mur Automated Account lnformatlon, plea" tall l•ao0.066.72$2 r vlslt us at wave wornucarda.tom Your OCCOunt Is Issued by Washington Mutual Bank, Henderson, NV. OREWARDS Awarded to: SON P111A W EST N 72 41.8 8 B jiyr HSN R Nan' cad ma PiM" ras nalar to the true HSN b fa" pwchmas cn HSN or HE 1Uu may Ede, HSN R-drds loward Merchandise credit - puchuaa made by talephan or pW_ at HEIN.oom. HSN Record.: 411 h" INS cash VI11W (2) snot be purchased or sold for cash; (9) may only be wed loward rnachandss purchases from HSN: (4) may only be used onca; (5) we man-lrWWNA61e; and (a) carvlot be used to purchase 90t cards. H8N employees we not 00ble. 2 of 67 Congratulations! You've dust bean rewarded. Payment Mnlmum BaNnee as of Account Due Dole Psyment D=X20e7 Number P.O. a- 800133. Drr., TX 762011-0433 :..indium change of address m bad, OMIa/07 Sts.ce s4laet 4185515-1888-7182 Make payments online with W011Nr ENCLOSED tust Wew bhc11 ink) Wa tog on Manuel- k14 easy. Just b9 in Nl to'rt' wwecwenw,ahrdscom ? 00000.00 N 000 IMko CfhaCb wyewe to Washingl0n MNwI WASHINGTON MUTUAL CARD SERVICES GARGLE J ROBINSON 2102 P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241-8706 1111111111111111.11..111.111,1r,10911111111.111111.1x,1111,111 1009111... 1111111„I,nlllnl,l,nllli,nlll.r10x1,.11.1„ill 4185661519867182 0001500 0049961 0004297 21 DETACH HERE con 0521 .n-cs 1 7 21 0'x0322 race 1 er 1 -2010 noon .1-11 x,12 Important Massages Have you checked your FICO® credit score lately? Did you know you could check n for F REE online? You have accessto your account information, including your credit score, 24/7! Log in or Register at waaa Wamidl-la rnmtoday, Remember, you can now gel 3 pants for every $1 Spent at HSN or HSN.oom and earn your $10 merchandise credit faster than ever before. Statement Closing Data 03/22/07 Credits i Pa is - $42,87 "Credit Line $1,000.00 Cash Advances ? $0.00 ------------- Avitable Credit for Cash Advances as of 03R2J07 520000 NEW BALANCE 1488.81 NINE hSN Rewards Visas Summary • Points earned this Statement period 636 Total prima balance as of this statement': 679 8396695 Remember, you earn 3 points per it of purchases made at HSN and 1 Pont per $1 of purchases made at other merchants Vou automatically receive a $10 HSN merchandise credit every time you reach 000 pants. It's that easy and rewarding! 'May not include recent aauetments or recent purchases. Transactions Tran Post B¦anceCategory Average Ally Periodic Corresponding Finance Grace Ally Balance Rote APR Charges Terms Purchase - Current Cycle $0.00 .0000% 0.00% $0.00 Tenn A Cash-Current Cycle $0.00 .0657%' 23.99X' So. DO TermB Etfeetlve ANNUAL PERCENTAGE RATE ( APR): MOO% 'Then rases may vwv. The Comospond'ng APR la the cent d inbre! you pay when you carry • bslano w purchases or cast. edvoncss. Tho Eflad"APR roprosords Your total finance charpes - including transaction tow such as cash edywo, end balance trandw tees - e>mrwsed as a percentage. For 24-hour Automated Account Informatlon, please call 1-800.865.7x42 or visit us at www.wamucerdacom Your account Is Issued by Washlrgton Mutual Bank, Hendwoon, NV. 46 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PARE 1. I: w1*? L';-j 1'A. B. ee0433. DWhw TX M.104 M :-.jIndiesh change of address m bark Make payments online whit Washkgton Mutual. It's easy Just log in to •'^l wwwtwamueards com obo Make Checks Payable to Vileshington Mutual WASHINGTON MUTUAL CARD SERVICES P O BOX 660487 DALLAS TX 7526&0487 P.rymsM Malmum Balancesscf Account Due Date Payment 04120/2007 Number o0/ tear sta.04 Stares 4185-8515-1088-7182 R1lotltn ENCLOSED I- W. 6rbl6ck vhp $?????.?? CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241$706 (1161116..11. Irln'O nl??m 4185861519867182 0001500 0059768 0005000 21 0 6012 0666 .tic5 1 t 21 M0420 this 1 sf 1 COLR2d16 RdOo bG Important Maeseges Need a reminder when your payment is due? Sign up for E-Mail Alone today and stay on top of your finances. Log In or Register today at www.WaMuCarde.com Becaues you deserve mora..Enjoy the enclosed VIP Offer- FREE SNIPPING on one item of your choice from HSN or than com. Some exclusions apply. see coupon for conditions .U6 DETACH HERE 01.11160.2 .636 Stalsmem Claiming Dale 04120107 Credls a Pa is $50.00 'Credit Line $1,000.00 Cash AdvBncee . .00 Available CroM for Cash Advartim as of D0007 $'200.00 NEW BALANCE $507.88 HSN Rewards Visa* Summary • Points earned this statement period. 144 Total pants balance as of the Statement': 823 8396695 Remember, you cam 3 points per $1 of purchases made at HSN and 1 point per $1 ot purchases made at other merchards You automatically receive a $10 HSN merchandise credit every time you reach 1,000 points. It's that easy and rewarding! -May not include recent adjustments or recent purchases. Transactions Tran Post BBianon Category Average Dolly Perlodle Corresponding Finance Grace Doily Balance Rote APR Charges Terror Purchase - Current Cycle $0.00 .0000% 0.00% $0.00 TermA Cash - Current Cycle $0.00 .0657V 23. 99%' $0 DO Term B Effactlve ANNUAL PERCENTAGE RATE (APR) 0.00% 'Them rout may vary. The Corresponding APR is the raw of interest you PM when you carry • balance, m purdhows 0/r dash advances. The EeedweAPR represnts your total fnnhca dMrpes -inducing ITVg00im lees such as coah advance and balance berhsfer toss - eRiressed •s • percentage. For 24-hour Automated Account Intermatlon, phw call 1-WO.665.7232 or visit us et www.wsmucardacom Your account Is Issued by Weshingten Mutual Bonk, Henderson, NV. 54 of 67 FOR BILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Payment Nnlmum amousce-f Account Due Dale Payment 06772'7007 Number P.O. ew er0rt9. Dolom TX 7629& 04M C:jndinrochange ofaddress nbedr oNlel07 !16.00 377!-86 4185.8815-1888-7182 Make payments online *,Rh A110111,01 VICLO0E D tvee blue- bleak wild Yvan to Washington Mutual. kb easy ????? ?? Just b8 In to'ry wwaawamrtoatds.oom N 000 Maas Ch*Ckg Payable 10 Washington Mutual 161x91 WASHINGTON MUTUAL CARD SERVICES GARGLE J ROBINSON P.O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241-8706 11ndJdndJJloll 1u11uNIkll?ulrlur"u'rlnr'?Iu1I 4185661519867152 00015DO 0072145 COMM 21 DETACH HERE 6092 0690 - 1 7 21 DT0622 rac[ 1 sf 1 -2- 11000 -IM I11M ?rnportent Messages Take charge of your ac count and manage ii online You can review your account balance, pay your bill, update personal information and much more! Log In or Regular today al www.WaMuCsrds.com Remember, you can now gel 3 puma for every $1 spent at HSN or HSN. corn and earn your $10 merchandise credit faster Than ever before. •credn une 51,0DD00 Cash Advances , $0.00 ------------ ------ Availads Credit for Cash Advances as of 0582/07 VW DO NEW BALANCE $721.45 {1SN Rewards VIaaM Summary . • Poems earned this statement period. 166 Total points balance es of this statement'. 991 8396695 Remember, you cam 3 points per $1 of purchases made at HSN and 1 point per $1 Of purchases made at other merchants. You automatically receive a $10 HSN merchandise credit every tine you reach 1,000 points. ti's shat easy and rewarding! 'May not include recent adjustments or recent purchases. Transactions Tran Post FOR NLUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Balance Category Average Dally Periodic Corresponding Finance Grace Dolly Balance Rate APR Charges Terms Purchase • Current Cycle $0.00 OOOO% 0 00% 5 00 Tenn A Cash - Current Cycle $0. DO .0657X• 23 gg%' $0 OD Term B Effective ANNUAL PERCENTAGE RATE ( APR) 0.00% _ 'These rates Intent varv. The Corresponding APR is the rate of interim! you pay when you carry a balance on purchases or cash advances. The EsedeaAPR rM mt ym total finance charges - including tralsectf-fen such as cash advance and balanoa transfer fees - expressed as a parcamaga For 24-hour Autonatiod Account Intormstlon, pNsss Call 1-WO.665.7232 or visit us at wiew.wamucardaCem Your account Is Issued by Washington Mutual Bank, Henderson, NV. 56 of 67 P.O7.?a9a at0172. OaYL, Tl(7Siae-Oq3 --1a'dip6e change of Address m hadl I waNlgarxoMM ?WeyL 1 /!a ICmCp lpoprp?l?l?K r) m Lwl icy) ?? ??bYO my ac0,calsll??? Illie WASHINGTON MUTUAL CARD SERVICES P O. BOX 660487 DALLAS 7X 75266-0487 Ilualrlrlurlalrlluallnllunlnjlnlrlnallulrjurlllual Payment lanknurn Beft"mosor Account Due Date Payment 01120,1007 Number Od/Nw statq $70001 4185-8815-1986-7182 AMOUNT ENCLOSED faae Mw or cart Ink) $ 00000.00 N 00o Map Checks Psyeblo to WpMnpton Mural CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 LrdllndrdrLl64LldlloLLIrIIL64111nrLrLdLLadl 4185861519867182 0001600 0078882 0002500 21 I u Gon 0716 - 1 7 22 070720 !Ka 2 eI 1 WLR206C 0wo yL 251669 DETACH HERE .1-6092 251649 Important Massages Remember, you ran now gel 3 pants for every $1 spent s1 HSN or HSN.Conn and earn merchandise credits fester than ever before -51a1amam Closing Data 07/20/07 Ch1d1S& Pa mu $25.00 ?? Credilline S1,0D0.00 CashAdvancae 000 'Aftlable Crean for Cash Advances as of 0772W07 5200.00 NEW SALANCE $788.82 HSN Rewards ViteS Summary Points earned this statement period 90 Total pants balance as of this statement': 127 Remember, you cam 3 points per $101 purchases made at HSN and 1 pant per $1 of purchases made at other merchants. You automatically receive a $10 HSN merchandise credit every tms you reach 1,000 pants. It's that easy and rewarding! :May not include recent adjustments or recem purchases. Transactions Tren Post FOR 01 LUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAOE 1. Balance ateyary Averps Dally Periodic Corresponding Finance Grain Dally Balance Rats APR Charges Terms Purchase - Current cycle $0.00 .0000% 000% $000 TermA Cash - Current Cycle $0.00 .0857X7 23.99%' $000 TermB E"w#" ANNUAL PERCENTAGE RATE ( APR): 0.00% 'These rotas may very. The Corresponding APR is the rata of inume t you pay when you carry a balance on purchases or cash advemos. Tha EaaciveAPR raprosonts your total /nonce charges - inclucng Vivisection fees such as cash advance and balance transfer teas - eyprassad as a Percentage. For 244mur Automated Account Inbrmstlon, please cell 1-BDo-86S7232 or visit us at www.wamucardacom Your account Is Issued by Washington Mutual Bank Nandwson, NV. Only your WaMu credit card offers you FREE online access to your FICO" credit score. ¦ Track your score and learn how to improve it ¦ Receive e-mail alerts when your online score changes by more than 20 points ¦ View your credit report snapshot To get started today, just register or log in at wsmucerds.com. 25A¦7o7 8396695 '- 60 of 67 Payment Mnlrnurn Dow." as or Account Due Dad Payment 00121/3007 Number PO. Boa DOW 33. Dabs. TX 752&0439 lndicsw change d¦ddrem on bark o7/1aA7/ Sts.oo 3717A6 4185.8615-1935-7132 AMOUNT E910L09E01w9 blue-bwk Ink) $?????.?? N ppp Make Chocke Payable to Washington Mutual WASHINGTON MUTUAL CARD SERVICES CAROLE J ROBINSON P O BOX 660,1187 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241-8706 4185861519867162 0001500 0071785 0005000 21 W. ales J96 1 t 22 0 0621 face 1 sr 1 -2040 10000 important Messages Your Customized Spending Proale is waiting for you! To loam more. Log In or Register today at www.WaMuCards.com Remember, you can now get 3 pcinia for every $1 spent at HSN or HSN.com and earn merchandise credits fester than ever before. 4OS629 DETACH HERE 01aa6W2 40S629 Craots 8 Pe ms $50.00 Cash Advances . $0.00 NEW BALANCE $717.85 HSN Rewards Vlass Summary Poems earned this statement period. 46 Total pants balance as of this statement`. 37 8396695 Remember, you earn 3 pants per $1 of purchases made at HSN and 1 point per $1 ot purchases made at other merchants You automatically receive a $10 HSN merchandise credit every lime you reach 1.000 points It's lhat easy and rewarding! 'May not include recent scluetmenle or recent purchases. Tranascaons Tram Post Date Data Description ? Reference Number Amount aY? ?l Y SAYLORS NEWVIU.LE PA 2MZ7337145MOOD6a37a 97 tt ----R.40 Jun 04 Jun 04 PAYMENT RECE NED -- THI0kW YOU 000000000008719479722 30 0000 0 00) FOR BI LUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Balance Category Average Deity Parlodc Corresponding Finance Grace Dally Balance Rate APR Charges Terms Purchase - Current Cycle $0.00 .0000% 0,00% $0.00 TermA Cash - Current Cycle $0.00 .065710.• 23.99X• $0.00 Term B EMM ve ANNUAL PERCENTAGE RATE (APR) .0.00%. 'Thor raise may vary. The Carespori APR s die ratDof into" you pay stmt you carry • balance an purchases or cash aCvances. The EaodNsAPR reproserts your total Mace charges - Including transaction fees such as cosh somas and bslenca eansdr toes - expressed as a percendge. For 24-hour Automated Account Intormatlon, PNass call 1-300-US-7232 or vlelt us at witrw.wanluesrdacom Your account is Issued by Washington Mutual Bank Henderson, NV. REWARDS CongratuMlorlel You've dust baton rewarded. Rewards Number: 923871539207173 Award Dole 21/07 Awarded to: Rams ll SON ` Reward 10.00 P1IPA W EST 72 41-8706 06f21/08 0 HSN 0 Rewords VWn c enough Points 10 PIrN radar to din ab- ort Tiger 9haa nutirhg this Him 1- prachress - HSN or HSN. thou may uaa HSN Rawants tawnl mwehrhdisa cradl on pavhacaa wads by ta?.pherha or aaira at HsN-oar. HSN Rarawde (1) have rq cash vahm C?) cannot be Purchased or said for cash; (3) may arty be used Inward rrtarchanWa pu thasas Iran HSN: H) way only be used onoe; (5) we non-trantrabd; and OA cannot be mod to purchase get cards. HSN employees we not does. 58 of 67 W au al0lsk. Dele4, 1'x 7SIeeO41D )V`400e drenge of address On Data watttb erNe n 11 fWd IgfC??MsI/WI?ay' f pp ro Ut: rl n I tYyJ ?aMmigNgOfgp?b Pry 8 ? l Anh1eMl'fih?YY?gII WASHINGTON MUTUAL CARD SERVICES P O. BOX 660487 DALLAS TX 7526630487 ILnLLLtr6LllorlLdLrrdrrllrrldorllnllLrhllbrrl Payment Manmvm Balance as of AceNowrit Due Data Payment 0Mµ2007 Number tamro7 i1s.DO Sesae2 4185-8815-1980.7182 AMOUNT ENCLOSED (- blue-!lick Ink), $ 00000.00 N 000 Make Checks Payable to Washington Mu usl sus CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-6706 1-1111111 11111118.111811111 IN III I 4185661519667182 0001500 0068882 0010000 21 bL ECR 07" 1 - 1 7 21 .10921 PACE I of I -1114D 0000 DETACH HERE 0lxe6052 11506 Important Massages Keep an eye on your credit card account by signing up for yr-REE E-Mail Alerts We'll hotly you when a payment is due, when a payment has posted, or even when your credit score (updeled monrily online) changes by more than 20 pants. Log In or Register today at wamucardacom Because you deserve more... Enjoy the enclosed VIP Offer - $10 off your next purchase of $50 or more from HSN or hen com Some exclusions a ; see coupon for conditions Stotement •Crat0lUne $250000 Cash Advances `--?-.---- $0.00 Available Credil for Cash AManeasbo10821107 $500.00 NEWBALANCE $688.82 NSN Rewards Veos Summary POgms earned this statement period Total pants balance as of this statement': 127 Remember, you earn 3 points per $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants You sutomsli lily receive a $10 HSN merchandise credit every lime you reach 1.000 points. It's that easy and rewarding! 'May not include recent ad)ustmenis or recent purchases. Transactions Tran Pool Date Date Deebrl fen Reference Number Amourd Aug 03 Aul 03 A Do00D0000D0571338441720 0000 I FOR 81LLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Balance Category Average Daily Periodic Corresponding Finance Grace DailyBelanw Rate APR Charges Terms Purchase - Currant Cycle $0.00 .000016 000% $0 00 Term A Cash - Curent Cycle $000 .0657X' 23 gg%* $000 Term B Ettectlve ANNUAL PERCENTAGE RATE (APR): 0.00% _ 'Thor rates may verv. The Corraspord'ng APR's the nu of intoroM you Pal when you arty • balance on purchases or csh advances. Tho Eaec:NeAPR repfesants vow gal Mnehce charges - Including transaction few such as cash advance rd balance transfer lea - expressed s a Percentage. For 24110ur Automated Account Information, please Call t-0$6005.7232 or visit us at www.wanucardaeom Your account Is Issued by Washington Mutual Bank, Henderson, NV. Enjoy all your new card benefits To take advantage of all your HSN Visa • Earn 3 points per $1 on HSN purchases, card benefits, just use your card. 1 point per $1 on all other purchases Its a great way to make • Get a $10 HSN merchandise credit for your everyday purchases. every 1,000 points you earn • Special financing on select items from HSN • VIP offers and special deals just for HSN Rewards V sa' cardholders 1SIINe7DM 8396695 62 of 67 0 P0. 996 ON33. 066. TX 1570E 0133 t- ]ndicato change of address -back WASHINGTON MUTUAL CARD SERVICES P O BOX 660487 DALLAS TX 75266-0487 IIrnLIrL11L61LnIL61LoiLJLhLImIINLIoJllorl Payment Minimum Balance as of Ae0ount Dre Date Pertinent 0012W2007 Number 1a17An Sn.ce teeeoe 4185-8815-1888-7182 AYOUN7 ENCLOBE 0 ohw blue err seek ink) $000001-10 N 000 Make CMCb Payable to Nishinglon Mutual 63239 CAROLE J ROBINSON 43 COUNTRY VIEW EST NEVWILLE PA 17241-8706 u1?llnl?n?rlllnlnll??ull?nhllluel?unlnlnllrlui 4165861519867182 0007100 0084406 0010000 21 n 6092 0169 1. 1 1 21 070920 - 1 •1 1 -,"01C Nee be, DETACH HERE 01X66092 63259 Inhporbnt Mseasges '--Plsaae review and keep both the enclosed Privacy Policy and the Important Notice(s) of Changes to your Account Agreement..' YOUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately You may also call us at 1-800-280-9411 or visit us at www.wsmucenhelpcomior payment options. DEFAULT APR. Your Default APR may very with the Prime Rate. Your Default APR is 31.99% or the Prime Rate plus 23.74%. whichever is greater (as of July 2007, 31.99% ANNUAL PERCENTAGE RATE. 0.0876% corresponding daily 'periodic rate). Pants earned this statement period 96 Total pants balance as of this statement 223 8396695 Remember. you earn 3 pants per $1 of purchases made at HSN and 1 pant per $1 of purchases made at other merchants You automatically receive a $10 HSN merchandise credit every time you reach 1,000 pants. It's that easy and rewarding! .May not include recent adjustments or recent purchases. Transactions Trsn Post FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. BalanceCssegory Average Dally Periodic Corresponding Finance Grace Deily Balance Rate APR Charges Terms Purchase - Cument Cycle $73718 .0657%- 23.99%, $14.53 TermA Cash - Current Cycle $0.00 0657%- 23 99%- $000 Term B Effective ANNUAL PERCENTAGE RATE ( APR). 23.86% 'These tabs mate vary. The Cormspondng APR • thereto of ir4mg YOU pay when you arty ¦ balance on purchase, or cash adwnaa. Tho EsectN9APR reprownts your total artence charges -Including Irmsecoen too, won as cash dewnce and beNnce transfer few - 9rPM"d as a Pone"do o. For 24-how Aulomsbd Account IniOrrmtion, phase call I-WO.066.7232 or clap us alwww.wsmucerds.com Your account b lmu*d by Washington Mutual Bank, Henderson, NV. Want a fast and easy way to pay your credit card bill? Do it online! • Save time • Avoid mail delays - Get email alerts to notify you when your payment is due • Schedule payments In advance or set up automatic payments It's quick, simple, and completely secure. Just log in or register at wamtllcards.com. I30Pa709 64 of 67 HSN Rewards Visa* Summary lrl ?II `J P.O Bu,NW73. DMYe, TX 7r2W-04?9 C)ndwe4 change of address m boor Yitl 1 want 10 SMR Yrpaal Pnmisr. 1 hxitx bn henalik (nrainkt to rti.n :eel ,•rml_an my cr krn, ale acct bsauS MalCOUIIMss'acterH ( a0awly,5g.'1iun;;liGily 9m.?.-a-,1?rr '1 WASHINGTON MUTUAL CARD SERVICES P.O. BOX 660487 DALLAS TX 75266.0487 j?ndddndJJ?ur??nj?un?n?jnjdudjuL?ndj?nrj Pediment 0.1- Balance at of Account Due Dore Payment 1011101`2007 Number tuttvar 1is0.ce so».s2 4185-661S-1986-7182 WOUNT ENOLOYED (- Me or ebet .W $?????.?? N ODO Mote Cheeks Payable Ito Washington Mutual CApOLE J ROBINSON 99330 43 COUNTRY VIEW EST NEWVILLE PA 17241.8706 nrll?urlr16j1111j1toll ln66nlllr.Uljrnl11js.jW.11 4185861519867182 0003000 0047932 0007100 21 0 9093 0a99 - 1 1 21 091019 PAGE 1 s( 1 WLR204C x000 DETACH HERE 01nu9092 199320 Impor4nt Massages Coming soon Exciting changes to our Web situ You'll see anew look and enjoy easier access to the mformsyon you want -- your balance due, payment due date, recent transactions at a glance, and more. Check it out in mid-November at womucards.oom. tccountsummary .SlalememCloin Dole 1011M7 Credits aPayrnsnls $121.00 Credit Lne $2.500.00 Cash AdvancN ? 50.00 - ------ --------------------- .Avertable Credt for Cash Advances as of 10119W $600.00 NEW BALANCE $970.32 HSN Rewards Via@* Summary Points earned this statement period 312 Total pclnte balance as 01 this statement': 535 Remember, you eam 3 points per $1 of purchases made at HSN and 1 point per $1 of purchases made s other merchants You automatically receive a $10 HSN merchandise credit every tme you reach 1.000 points. It's that easy and rewarding! ;May not include recent adluatments or record purchases. Trameacaons Trion Post Balance Category Average Dally Perlodc Corresponding Finance Grace Dally Balance Rate APR Charges Terms Purchase - Current Cycle $898.94 .0667W 23.99%' $17.15 TennA Cash - Current Cycle $0.00 .06571V 23.99%' $000 Term B E"DCOw ANNUAL PERCENTAGE RATE (APR) : 22.W% 'Thaw rafts may vw The Corresponding APR a the rob of interest you pay when you carry a balance on purchases a cash advames. The EaeaNeAPR represents yov cold rune aMrgss - in chng transwbcn fasswah asoash aMnae and balance translation - expressed as a percentage. For 24-hour Automated Account Infomastlon, Pleaes call t-a0d565-7222 or Mah us at www.wamucarde.wm Your accewn is iesl9ed ey Wnhingtan MWwI Bank, Henderson, NV. Enjoy all your new card benefits To take advantage of all your HSN 8396695 • Earn 3 points per $1 on HSN purchases, Platinum Rewards Visa card benefits, 1 point per $1 on all other purchases just use your card. It's a • Got a $10 HSN merchandise credit for great way to make your every 1,000 points you earn everyday purchases. • Special financing on select items from HSN • VIP offers and special deals just for HSN Platinum Rewards Vise'' cardholders 3SMC710 66 of 67 FOR BILLING ERRORS AN0IMP0RTANT INFORMATION, SEE REVERSE OF PAGE 1. r ?J PO. Boa aa0las, OaY6, Tx 752ea-0g2 .. inaaara change a address on book I V= 1 want ID Theft Yrpoot Pnrkriar. dwh... 6s betalhn pnrtaMr It .den ;sal min my apdry Q? itont 6e aaR bureal rd o lab al at=17.R1hntrildal?u ly_ akiOnclic,Mly b8c0 td mY misx t 0 OA 1771.« T2.-'.'TEA WASHINGTON MUTUAL CARD SERVICES P O BOX 660487 DALLAS TX 752660487 IIIIIIIIIIIrllllllllhlllhllllhrlllhllllllllhllllllllllllll1111 Payment Minimum Balance as of Account Due Due Primant 11I2N7007 Number 1NT7Ay7 574.00 111,1tn.tt 4185.8616-1986-7182 AMOUNT ENCLOSED (- eel a block Ink) $DDDDD.RD N Opp Make Checks Payable to Washington Muoni CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241.6706 I111IIIhhIII IIIIII11111111111I1111III III III IIhIII IIIIIIII11hll 4185661519867162 0003400 0110719 0005000 21 1 bon 0191 ,rrc 1 1 21 071110 rite 1 sf ] mcnlom uooo Ll 171292 DETACH HERE 02"6092 1M.2 CORRECTION NOTICE We sent you a Change in Terms to your Accaum Agreement with your September billing statement. As pan of that Change in Terms, we restated The formula for calculating your current Default APR in the 'Important Memages- section of your olelemeni. Unfonunately, ale formula wee incorrect, please ignore it The formula for 'calculating your Default APR remains the same as ii was before the incorrect formula was printed on your statement and is as follows- Defoun APR, Prime Rate? 23.74% . If you haie any questions, please call 1$00-356.0011. It's lime 10 least with the family Don't forget all The trimmings -just use chetils to access your credit line. Our Web silo has an exciting new look! IT'S now simpler to access all The nfo you want - balance due, payment due date, recent Iransections, your credit score, and more. PIUe, it's still easy as over To make a payment. NoWa the limelo get CradhLins :2500.00 CashAdvancet ¦??y?®?ry¦?1??agy ?u1111NIRlle -- ----------- Av 400 Cr" far Cash Advencas soot 112000 1600.00 NEW BALANCE HSN Rewards Vlos Summary Pointe earned this statement period 262 Toled points balance as of this statement` 797 Remember, you eam 3 points per $1 of purdtasea made at HSN and 1 point per 11 of purchases made at other merchants. You automatically receive a 110 HSN merchandise credit every lime you reach 1,000 points. It's that easy and rewarding! .May not include recent adjustments or recent purchases. CHECK TERMS AND CONDITIONS: When you use allies drool(s), wavdl charge a Cash Advance is* of 3116 Of the amount orthe advance ($10 mihnum),lphich is & FINANCE CHARGE To use this deck(s), your account muss becuranl and bow enough waltsde Oedit Your available audit may below d recently your Ohl Ito was losvwad a a psymors was ratumed. The deck(s) nwst be used by 01115M and cant boused to pay any Washington ktlt alaccouni. Returned cook few ilia Overtmitlew il3s. Fnancocharges accrus homthe date each drotk is pres"Od to us. 1 you are currently rocs ving a promotional APR for Cash Advances, the API will apply to shy clock(s) for the rot of the promotional Period Alter that (or if you are not romlvng a promotional APR). your non-Introductory APR for Cash Advances under your Amount Agrberrrord vnl apply, may wry, and s currently 73.99%. For this offer, the Cash Advance fee ant be added to the Purchase Balance and be sublest to your APR la Purchases. 66atatfa671K ae2a NO.atla eas6pyt hie CARCLE J R09NSDN Data 41 00UNmmIYVIEWEST NEwk'ILLE PA 1 7211-6 706 PAY TO TH ORDER DOLLARS cock an« art A%W.W Beak 8396695 Neveda Sig.ture 1100 LB11a 1: 1 1149940571:886 L 5 L98 6718 211099 28 4 of 67 ® ACCOUWr NU UFR 4185.815-1918-7182 ref2 Deer - 1 7 21 011120 rAcc 2 f 3 -201D Woo of Aron 112M Transsodons Tran Post Balance allegory Average Dally Perlodle Corresponding Finance Grace Daily Balance Rats APR Charges Terms Purawse - Current Cycle $1.070.36 .0657W 2399X• $22.50 TermA Cash - Current Cycle $0,00 .0657X' 23 99X• $0 DO Tenn B r. Ettsegve ANNUAL PERCENTAGE RATE (APR): 25.22% Those raise may vary. The Corresponding APR is the rate o intereal you pay whan you carry • bel on purchi ss a cash advances. The Elfsci-APR rap rd. vow total fntace charges -including transaction tees such as cash advance and balance transfer teas - expressad as a percentage. For 24-hour Autornaled Account Inlormatlon, please call t-WO.065.7232 or Walt us ai vrnw err muwrdaeom Your account Is Issued by Washington Mutual Bank, Henderson, NV. We've made things simpler at wamucards.com. It's now easier than ever to manage your credit card account online. Our streamlined navigation lets you move around the site faster, plus there's enhanced security, transactions at a glance, and more. Ywr Card Accoraraa Msas • Payment Credit Prorrle Trsnarer ¦ YIMrs Traraetsles Illals v I order Statements, iNsi age Ywr Account Olean i Card EnASnce vents Go to wamucards.com today! 2301.717 CHECK TEEMS AND CONDITIONS: When you us this crock(s), we wtl charges Cash Advance lead 3% d dw amount d dw advance (std mrimurr), which is• 19NANCE CHAROG To use this drsck(s), your saourt mud be aware and have enough available credit. Your available credit nay be Ms it recanay your wadit line was kwrared a a D•Yn^•rs Ms rdumed. This dwak(a) met ba Ised by 01/1 Let andcent be used to pay any YkdMotonMUa1d WCD t. Returned check tea $ae. Overli it fee:136. Finance charges Werlw trcmthe date each Mock is prosor`d to us ff you are ctarently mersivi g • ponrmonal APR for Cash Advances, this APR wit apply toms dacha(s) la the real d the promosaal paned. Mterthat (a fly- law not recoivng a promotional APR), your noun-Introductory APR fa Cash Advances under your Accart AOssrnort vvil apply, may vary. and is currently 23 99%. For this offer, the Cash Advance pie will be added to Via Purchas Balance and be subject b your APR fa Purchases. amist9as7t 62 am Nosl 102 604605A I" CARMEJ FKMNa0N Date e3 COt1N7Rv NEW ®T NEWVIIIE PA 17211-a70d PAY TO TM ORDER CY DOLLARS CaYaa ace % Mutual Bask 8396696 signaturr, 1e0 11,80 1: 1149940571:886 i 5 198 671821.9928 6 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PARE 1. ® ACCOUNTNUMBER 4185-MIS-1988-7182 fOR OP9? iYG 1 1 21 D9112D - ) G! 1 -"o- x000 -.12 x'12292 WsMe ID Theft Inspect' Premier We'll fight ID theft, so you can rest easy. Millions of Americans fall victim to identity theft every year. Protect yourself today by signing up for ID Theft Inspect* Premier. With your membership, you'll get: Reports and scores from all three credit bureaus • Monitoring of your credit information every business day Access to fraud specialists if there's a problem Surveillance of Internet chat rooms where credit card information Is illegally traded Prompt alerts by email, mall, phone, or text Sign up for ID Theft Inspect Pren"rtoday.* Simply initial the enrollment box at the top of your payment coupon. *See the enclosed ID Theft Inspect Premier insert for more information. 16106710 8396695 8 a= 7 of 67 ® Payment Mnlmun Balenee¦s of Acoesnt Ow Date Payment 12Ae/2o07 Number PO. sw SM33.OWe& TX 76204-0433 ., handcart dnanpe of e4d.rass on Dads ov1IAB y11.00 31,74SAa 4185-WIS-1998-7182 yd ID P" u?pset MOUNT ENCLOBE0 Nee erua or black Ink) Ile Is W ih llthc luocYl"hil'r mlil}tanm /« ,'a 811d tM a 17 1 o d ????? ? . 0 e NaOma h? bNled k) m alwuM a 0 & I ? y .K. . N 000 Malmo Chaces Payable to VeWHngton Mutual WASHINGTON MUTUAL CARD SERVICES GARGLE J ROBINSON 630771 P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241.8706 ills$ 119111 1111111 4185661519867102 0004100 0134596 0005000 21 i DETACH HERE u 60n O#UI n0 1 T 21 07121# rAG[ 3 of 3 -.2060 a000 oi"6092 #bTT• Important Ma saepeB Need clone extra 9 andm power 10 el Ihr h you r holiday hin'+ Just use alecks to access our ved2 line. 8396695 Rewards Sunmary Patna earned this aletemeni period. 255 • Total pane balance as of Ihia aletement`. 52 Rernemtwr, you earn 3 poinla per $1 of purchases made at HSN and 1 polnl per $1 Of purchases made as caner merchants. You automatically receive a $10 HEN merchandise credit every tore you reach 1.000 pohnle. Ire Thal easy and rewarding! .May not include recent adjustments or recent purchases Transactions Tran Post ® CongraluMlonsl YouYa earned a rawardl Rewards Number. 923399864327364 O Award Dste. N1 040% Awarded tPolms W EST ft 13Y SON Reward 10.00 7211-8706 ` 1211 W08 0 ~ caned yhoWh pohlet npM v.Mn AE. craft react b elheasn above 14,14P wfp Owttgaes on HSN a .cpm. You may use HSN Rawarde toward merchandise nedti on purdeasw made by lalaphone or oNha at HSNm HSN Ra si (1) have rho oaan vafru: (2) oannel be Maohaaad w cold far st ah: (3) may 0Ny be used 10a7rd nwehahdleo Wehsaee from Hsi 14) may only be Lead ornee; (5) are non-vrulaabN; and (6) cannot be used to PW hU3 pill Cards HSN ehrlpbysas we rot ellplble. ` 8 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. ® Paymnt Mrumum 9abnce as of Account Due Data Paymnt Ot/1d200e Number P.O. 6.[ 1aM33. Dn" Tk 76:ea-0.33 :_,.7ndeau change of address on beck O2/14/s i46.s f1,501.7e 4185.8615-1985-7182 Pay your Will online-or set up AYOUNr ENC1oeEDI~blu..ra krek) automatic payments. ? EI??0?.EIa Go to wsmucards.com N DD0 Make Chocks PoPM 10 Washington Mutual WASHINGTON MUTUAL CARD SERVICES P O. BOX 660487 DALLAS TX 75266.0487 446099 CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 Ill- All., If 4185661519867162 0004600 0150476 0010000 21 DETACH HERE n 6092 0933 .tt0 1 7 21 0[011[ PIhG[ 1 eE 3 COLA20.P NDOD ot>•[6012 444097 4L CashAdvnces a $0.00 NEW BALANCE $1,504.76 Rwnrds Summary Points earned this slalement period 220 Total points balance e8 of this elatemenl' 272 Remember, you earn 3 points per $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants Iii automatically receive a $10 HSN machndise credit every Ions you reach 1.000 pants. It's that easy and rewarding' May not include recent adjustments or recent purchases. Transactions Tran Post CHECK TERMS AND CONDRIONS: When you use this clock(s), "will charge! CM Advance fee of 3% of the amount of the adwmv ($lo mtrem/m), which is a FINANCE CHARGE To use 0u9 deck(s), yOUr oce01111 moat be currant and hew oncugh available colt Your available awdl may be bs If me Vy yew colt ire was klwered a a psynom was retumod. This dhetlt(!) rnuot ba used by 031101106 andant bo used to pay any Washnlton Mutual acecunt. RoWmd dhook foo: $7J. OvsrNNtfoo: $39. Fnanoa eMrya! 10011e komma dab aacn dhack Is pressnlad to us. Ifyou sro cucerdly reositIng a prom clonal Ail tar Csh Advances. this APR will apply to this ahedys) is the rest of the promddonelpenod Aft( that (car t you are not reteiving a prortedonal APR), your non-introductory AIR for CM Advanim under your Amount Agnarnanl wr7 appy, my wry, ands currorsy 23,89%. For t his clear, the CM Advance fossil be added to tie Purchase Belancv, and be subjedtoy" A7R for Purchases. CAROLEJ Ross BON V CCUNIRYYIEW Eef NEWIIILLE PA 172.1-erC6 ee615190671B2 saw Nomin 004~ 1.e Date PAY To Tr ORDER J;? DOLLARS Gh.e vGd.ar Aa1staM aawk 8396695 Mem sigrh.wre a10318a/ nii49940s71:8i86isigs 67i82a/9930 12 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. PsymeM Mnknum Plasmas as of Aemunt Due Dare payment 02MV2000 Number P.O. W 00433. DNY% T% 7ti3e-0Kr3 intliote charge ofoddrom on back OL/7f00 541.00 s1,44rst 4185.8615-1886-7182 unL with OPTIO eeOUar ENCLOSED lua9 ear1 a bask IM) 'LMM 10 1 d''b?wC"VI r,?? $ ?????.?? N cop Mob GMCb Payable to Washington hatflual WASHINGTON MUTUAL CARD SERVICES PO BOX 660187 DALLAS TX 76266.0987 4185661519867152 0004400 0144781 0010000 21 a 6092 0999 - 1 7 21 080219 ease I a1 2 -1.201. e000 DETACH HERE .1-6092 448109 Nuol CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241.8706 Important Messages Always remember 10 allow time for payments to reach us by the Payment Due Date and check your available credit line before using your card You could incur fees and see your APRs increase it we dont receive your minimum payment on lime or you go over your credit limit any time during a billing cycle. Romance is in the air. Just use checks to access your credit line and Del the DW100 Dill for someone solicial 02/19/08 'Credit Line .500.00 Cash Advances ? $0.00 Available Credit for Cash Advances as of 02/19108 5600.00 NEW BALANCE $1.447.81 ilowerds Surnmary • Points earned this statement period 0 Tole) pane balance as of this statement': 272 Remember, you eam 3 points per $t of purchases made at HSN and 1 pant par $1 of purchases made at other merchants You automatically receive a $10 HSN merchandise credit every time you reach 1.000 points. It's lhat easy and rewarding! 'May not include recent adiU81menle or recent purchases. Transactions Tran Post Onto Data _ Deserlollon Reference Number Amount an 16 n 23 CREDR PROTECTION FEE Woo238.0984 74lW8SM3Y0000o000000 OODO sit 8; Feb M Feb 06 PAYMENT RECEIVED -TWWK YOU OQDQDODDM71154MI10 OD00 100. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1 CHECK TERMS AND CONDfTIONS: When you use me chook(O."VAN Charge a Cash Advance tae 013x, of the amount of the advance (510 MINmuml. which is ¦ FINANCE CHARGE To use this deck(s), your account meal be cunnt and haw enough available Credit. Your swilabie Credit may be his t recently your Credit Inv was lowered c a payment was returned. This ahodi(s) must be used by 0411 Me and ont be used topay, nany Washington Mutualac00urlt. Rowmad dlack fee 529 Overimitfea: 539. Finance charges accrue from the date each chick is proseraed to us. gym re cunenty recaning a promcdnai APR for Cash Advances. this APR will apply to this chock(s) for the real of the pronotinai pried. Afar tM (Cr if you are not rooming a promotional APR), your nn-hboducory APR for Cash Adwncas under your Acoount Agrarrert MN apply, may wry, nd is cummily 23.99%. For this offer, the Cash Advance tee YAP be added to the purchase, Balance and be subloottoyow APR for Purchases. CAROLEJ ROBINSON 40 OOt1NTRYVIEW EST NEWILLE PA 1 1811-5 70 9 B96151SWIS2 east 40.1201 5544M 140 Date 40 PAY TO TM ORDER O DOLLARS 4ck wdeaM MMra Plsek 8396695 Newd. Memo Signstwe aa048111e I:1i149940571:88615i98 67182aa9933 16 of 67 ® Payment minimum SeNnse as W Account Due Data Payment 031211200111 Number P.O Bw NNW. 0e i,. TX M4111403 ;..,ndcate khan go of address on oaot 04f17A0 .? 11,2""•22 4185-8815-1988-7182 Pay your bill online-or set up AMUNT U4CL04Ia0twe kw. a bhek ,.sf automatic payments. ? ??a0F.M Go to wamucsrds.tom N doe Make CMeb Payable to Waellfngton M1nua1 WASHINGTON MUTUAL CARD SERVICES 161056 CAROLE J ROBINSON P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0187 NEWVILLE PA 17241.8706 111.111181 tltltlllllll?'II"1111'l1IIh1II?111II11I1I11i 1IIN11 IIBill. 1111111111I111411lilt hill, IIIrulIImIu 4185661519867182 0004200 0138822 0010000 21 DETACH HERE 6093 1019 ,risk 1 7 21 060321 race 1 e[ 5 00-2040 Nooc -.60102 461056 Important Massages ''Please review and keep the Important Notice of Changes to your Account Agreement n the end of 1Ms statsmenl- Facing a lax payment-P Dont worry, access your credit line by using checks Cash Advances ? $0.00 NEW BALANCE $1.358.22 Rewards Surnmary Poirss earned this slatemenl period: 0 Total points balance as of this stalemenP 272 Remomber, you earn 3 pants par $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchards You automatically receive a $10 HSN merchandise credit every time you reach 1,000 points. It's that easy and rewarding! 1May not induce recent adjustments or recent purchases Transaclims Tran Post Date Data Dsaal ton Relwence Number Amount Feb 1 CREDR PROTECTION FEE 80023&0964 741t13Ba0052Y000000p0ppp 0000 $1144 r r OODOOOMODO871291961530 0000 Q1 0071 FOR 81LUNO ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. CHECK TERMS AND CONDITIONS: Wrtn you us the dtedk(sL wo coil ohrge a Cash A6vnco too of 3K of ace amours of trw Wveme ($t o "IW"U-LwNdh is a mNANM CNAROL To use this clock(s). yaw account must be current and how enWO avahble credit. Your available aodt m6y to low it rocontly your or"t live was kRwrad a a psyrerd was resumed. This ch"(s) must be used by OW15A5 and oern boused topeyny Washnam Mu61alaccount RoWmtrdkhackfee 829 Ovrlimitfee 139. Fence charges accrue from the dab own check is prosAedtour. I you are currently receiving a promc4onal APR for Cash Advances, this APR will apply toshischeclds)for the roar at the Pf;D al pabd AfiN 6hY(orit ypu are not rocaHng a Promotional APR). your non-introductory APR for Cash AWames under your Account Agnarq.a cent aptXY, m2y wry, and ¦ caroms 23.99%. For this odor, the Cash Advance too ml 09 added to the Purchase Balance and be subject to your APR for Purchases. 6161 51 9 9 671 6 2 OW N0.4301 BBe4pSA 1.9 CAROI.E J ROBINSON Date 43 COUNTRY NEW E97 NEWVI EPA 17241-11706 4 /N PAY TO ORDER 0111 , W?Lo DOLLARS sek we sea s 4nk 44*r_ 8396695 NN1'' signshrr. 9.058"• 1:1,i49940571:88615198 67182489932 20 of 67 ® Payment Mnknum Bob." es of Account Due Dow Payment 0612Y2006 Number PO Bu WNW D.'b., TX 7625 -0123 ..alewetedlenpeof address on book odfo/oe.? ?.TU•? 0185.8515-1886-7182 Pay your 6711 online-or set up AUMWT ENCLON04 eeel.orclse coq automatic payments. $000001-10 Go to wamucards.com N cco Make Cheeks Payable to Washington Munial IId1L1111rhiIIIILr111LILrL1111LLLILLILLLILIIdllr11111n1 WASHINGTON MUTUAL CARD SERVICES P.O BOX 660487 DALLAS TX 75266-0687 1610 66113111111611 Ill 111nr1It IIl/L6n16166 n 1111111 CAROLE J ROBINSON 7911 s6 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 111 111111 ?II?III'llllill ll ll ll'llll'IIIII"IIIIII?IIIIIII It 4185661519867162 0005200 0171878 0010000 21 6082 1053 - 1 7 21 060122 .Ae[ 1 of 3 -11204• -000 DETACH HERE 01-6092 7.1159 Important Meeesyes Break free from winter, aping is here. Use checks to access your credit line and make the most cf the season. Are you ready to rock?Tum up your bank (TM) for some sweet parka' Visit www.wamuhve.com for details Dn the latest shows and to slay connected to your favorite amine. WeMu. Bank Minded. Wild of Mart (TM) Cnd1 Una 500 00 Cash Advencss a $0.00 'AvadableCredit for Cash Advances as of 04F22/06 :70p.00 NEWBALANCE - $1,718.78 BONN 11111 1111111 Rewards Summary points earned this statement period 386 Total points balance Be of 1h's Statement': 556 Remember, you cam 3 points per $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants You automatically receive a $10 HSN merchandise credit evwy time you reach 1,000 points. It's that easy and rewarding! 'May nol include recent aqustmente or recent purchases. Transactions Tram Post FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REV ERSE OF PAOE 1. CHECK TERMS AND CONDITIONS: Whonyou usethis an"($), hvawiy charges Cash Advance too of 3% ofthosmours oltha advance (y10 minmrm), which is a FINAMM CHARGE To use this chock(s), your account muer be current and haw enough available a act Your aveieca oadt may be ros d recently your cedt ine was!ownd or a payment was retuned. The crook(s) must be used by 061IW8 and ant be used to pay any Wesihingtn Mutual account. Returned check kv' 929. Overkill $39. Finance charges ecaw from the data own check is prosented to us Nyouancummily rscNWng a promatlnsi APR for Cosh Adams, this APR will apply to this check(s) for the rot of the promotional period After that (r it you ore not receiving a promotional APR), your nn-Introductory APR lot Cash Advances under your Account Alyeerrwnt will apply. dray wry, and a currently 23.99 6, For this over, thv Cash Advance roc m+tl be added to the Purchase Balsa and be subject to your APR let purchases. CAROLEJ ROBN9DN u COUNTRYVIEW E97 NEY.VILLE PA 17211.67a U61510es77a2 On ND.Mr ee810Y1149 Date PAY TO Tti OR DER O DOLLARS Ce wd6 r e 14 NNNNNNNI?r 4Nalrlael Amk 8396695 """d' Memo signature N0068ee I: i i4994057tl:886 &5198 67182N,9933 26 of 67 ® Payment Mnlmum ask- asM Account Due Deft Payment elr=tr=ooe Number Po. ew M6133. 0?6 7)176x96-0133 ... indicate, change of address on back 4185-MIS-1906-7182 lets my t N AYOUN7 ENCLOBEDI-M..eraNe2 vhk) list tlys ulilwa In l' dl•hlr ti]sit Ape N 000 Masa CMCIe Payable to Washington Multial ??hlh1u111n1U?0ullrltllnltllltir111rllklhlltltlhlltlltlllulillul WASHINGTON MUTUAL CARD SERVICES P O BOX 660467 DALLAS TX 75266-0187 111111111Iklklhlll11111111?'101111 ?'ul1'1111111111111111k111 CAROLE J ROBINSON 7%5632 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 1111111oIrrLLL1Ln1111rLL1111Li1kILoL1L11L1n1 4185861519867182 0005800 0191798 0010000 21 o "n 1091 JTC t 7 23 060621 - t et s co1x201o w0oo DETACH HERE .1-6M 13332 Important Manages Time for spring cleaning or household repairs? No need to delay, use checks to access your credit lire and get the cash you need. •slatsmamCloan Dau 05121/08 Credits iPayments $100.00 Credit Une 500.00 Cash Advances . $0.00 •AvadadsCreditforCashAdwrtoesuof 0581/08 sa 57(30.00 NEW BALANCE 1,977.98 wwww" Rewards Summary Polme earned this slatement period. 250 Total points balance as of this statement' 906 Remember, you earn 3 pants per $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants. You wlomalically receive a $10 HSN merchandise credit every time you reach 1,000 points. It's that easy and rewarding' :May not include recent adjustments or recent purchases. Trenasdons Tran Post CHECK TERMS AND CONDITIONS: Whenyou um this cell(s), weval charge a Cash Advance fee of 3% of se amcun of tho advance (610 MINITU ft whldh Its NNAIICE CHARGE To was this da0k(s), your account must ba currn[ and hew enough evoiable credit your avewabla credit rney below if rscwWtlyour credit Ina was lowered or • psyrrart was returned. This deck(s) must be used by 07115106 and cant bo used topsy ny Was hngtn 641ust aeoourt. Rwaimed dock foe: $29. Overwmitfoe: 3.99. Fnnce dmrgos a00ne k mote tlab each dh$O is prowned re us. Iyou arecunnsY recalving a promcdonsl APR for Cash Advance*, this APR wall apply to 61is ehsdk(s) for the rest of the promotional period Allarthat(or If you are not receiving a pranodwal APR), your non-Mktrodudory APR for Cash Advances under your Account Agrearrent w+l apply, may wry, and a currently 2349K. For this offer, the Cash Advance tag wM be added Who Purchase Belnce and be sabiect to your APR for Purchase. CAROtlJ WENSON U COYNrnywEW EST NEWAUE PA 13211.6706 U6isigu71a2 ou Month so 6405A 110 Date PAY To ORDE DOLLARS s:tvsu seer n .-Book Mayeb 8396695 sigrot- 6.0786• 1:L349940571:886i5i98 67i8209934 30 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. 0 ACCOUNT NLOMER 4185-515-1985-7182 .- ton -1 I 1 2l O.Ml race 2 e2 1 cOLelere eooo OLeee e2 111- Balance Clrtagory Average Dally Periodic Corresponding Finance Grace Dolly Balance Rate APR Charges Terms Purchase - Qurern Cycle $1,855.79 0657W 2399%• $3536 TormA Cash - Current Cycle $0.00 .0657X• 23 99%• $000 Term 8 EfleeNw ANNUAL PERCENTAGE RATE (APR): 22.86% Tine rains may vary. The Corresponding APR is the late of userat ym pay when you carry a balance on purchases or cash advances. The Effoctiyl R represents your total finance ctarpss - indudina tmsacdm fees wah es cseh adv m and balanco verafer tees - oxpmsod as a prcolaaye For 24-how Autoine Account information, please call 1-WO.085.7232 or Walt us w www.wamuards.eom Your account is Issued by Washington Mutual Bank, Henderson, MY. j With Credit Protection, if the unexpected happens you can suspend your WaMu credit card payments for up to 22 months with no fees or interest' Eligible events include: Involuntary job loss • Care of a new baby • Dsability • Care of a sick fami ly member Hospitalization Active military duty Signing up is easyl just initiel the Credk Protection box at the top of your payment coupon and get the Hest 30 days freer" 'See We embed Crfldt Ploteclbn Term and Cmdl bn/ Mart for tlu full pltRua dNaik •-MW ft Vial pined, the alanbersllp fee of 1.79 PN $1110 td your monthly balance will be Wiled to your %lik Will each 1lwaft :6CCaRJS CHECK TERMS AND CONDITIONS: When ycu use this eerk(s), we cell Charge s Cash All ice of 3% of" smlcula r the advance (e10 minnum)Lwhich is • FINANCE CNARGE. To use this dock(s), Your account must be currant end haw enough eralisble, cadit. Yow avalable, credit moy to bin If roc rHy your credit lne was lowered or a psynant was returned. This crock(s) rant be used by 07/15109 and cant bo used topoy Try Wadirnpm Mulualseeoura. Retuned check fee. lag. Over"Itse.539. Finance charges accrue from the dots each chock is presented to us. "arecam dly. rawhirp s promckwal APR for Cash Advances, this APR will apply tothischock(s) for theme of the promotional pried. Alter tot (r if you are not receiving a promotional APR). your non-Introductory APR fw Cash Advencse under your Account AtPerrent will apply, may wry, ands currently 23.911%. For the offer, the Cash Advance lee will be added to the Purchase Balance and be cabled to your APR tr Purc ases. BM151M7102 te91 40/5@ 864401M tae CAROLE J PAM 9ON Dale u COUNTRYMEW EFT NEVV%%1E PA 17211.8706 PAY TO TH ORDER O tn DOLLARS %Nor 4NINNININfiliNieffer sew ss« n 8396695 elsvsdo 44 4144 M.- srgreture 11.0785' 1:1149940571:88615198 67182P19934 32 of 67 ® Payment Mnlmum Baunaeasef Acoemt Due Dow Payment 0612w200a Number Po. a" past. De1Ne, M 762464433 .. ihauate atnpe oraddrw«s en ball mtnros 30e.M at,vt4.32 1185-535-1986-7102 ?wr6t N Il I I ? AMOUNT ENCLOSED tees kNewbwek ley l 4 o V ms ?Itly?W?r!r S in IwlhuCWCOCN ?% P ? $????? ?? a hap n?ya asnMa .Dd.pTi . N Oo0 Make Chocks Payable to Washington Mutual 1111 1,1111111111111611.16116,1,11111,1,1,111111111111111II,I WASHINGTON MUTUAL CARD SERVICES II„1111„I CAROLE J ROBINSON w236s P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241-8706 III.J.1 lutltlrllw11..11n1.11.I1nItIn111M111..11I1..11 6.111ni11. 1.1111.1.., 111.8111..1111nn1In11u1..1I111.111 4165861519667182 0005600 0191432 0030000 21 I DETACH HERE w92 136f .1.'c 1 7 22 W0620 r7mC 1 ear 3 -286c n00s o1A960e2 SM366 ii mportant Messagoe "Please revkwr and keep the enclosed Important Notice of Changes to Your Washington Mutual Cardholder Berwffls•' Make your vacation drearris a reality. Just use checkato access your credit line. 01 0620108 =700.00 NEW BALANCE 51,914.32 Rewards Summary Points earned INS slalemeni period 44 Total panto balance as of the statement'. 950 Remember, you earn 3 pants par E1 of purchases made at HSN and 1 point per $t of purchases made at other merchants. You automatically receive a $10 HEN merchandise credn every trne you reach 1.000 pants. Its thal easy and rewarding' -May not include recent a0ustments or recent purchases. Transectons Tran Post Dale Dale Description Reference Number Amount FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. CHECK TERMS AND CCNDrt1ONS Whsn you use Ms ehsck(s), we VAI charges Caste Advance fee D13% of the emourdottee advance %io msmm,m),wladh is a FlNANCE CHARGE Tome the duck(s), your account mustbe current and haw ntugh wssNe credit. Your waiable croot may be less it mway you aedt lino was lowered a a payment was istumod. may duck(s) must bo ufed by OV I5AX1 and cant be used to psy any Nhsningun Mutual account Returned duck fora: SM Overli mitten 339. Fence charges some from the data each duck is presented tour. Ilya.. are eumarty receiving a promcterhal APR for Cash Adwnues, this APR will apply to this cheek(s) for the real of ttq prorrotnel period After tut (or if you am not receiving a promotional APR), your nn-Introductory APR for Cash Advances under your Account AgrowrMnt willapply, may vary. and is cumantly 23.9991,. For this ~,the Cash Achemo two will be added to the Purchase Balance and be subkea to your APR fa Purduswa. 1661516667162 gash NQM01 6s-a606n lab CAROLE J RODN90N Date U OouNTRv VIEW EaT NEWVILLE PA 17261-6706 R PAD T R ORDE DOLLARS tick caste « A61r1aal a6wk . NevrM 8396695 Memo sigm6twe a,0880a 6:ii49940571:886i5198 6718211,9935 34 of 67 0 ACCOUNT NUMBER 4 18 5 418 1 5.1886-7182 6o12 13.1 - 2 7 21 Ca.a20 - 2 sr ] cou291C „GOO Ol"Itoft v92)64t BalanceCategory Average Dally Periodic CorlespandkV Finance Grace Dally Balance Rate APR Charges Terms Purchase - Current Cycle $1.901.04 .0657X1 2399V $3747 TermA Cash - Current Cycle $0 00 .0667X1 23 99X' SO 00 Term B Effective ANNUAL PERCENTAGE RATE (APR) 23.699E 'chase rates may vw. The Car"pondng APR a the rats of interest you pwi when you carry • Mlsnce m purchases a cash advances. The E6edneAPR reproseres your toll finance charges -including transaction fees such as cash advance and balance transfer fen - empressed "a parceMege For 24-hour Automated Account Intormatlon, plea" call t-606.665-7232 or visit us at vtrwa.wanucerdaeom Your account Is Issued by Washington Mutual Balk, handerson, NV. »l Bring beauty into view with Eyes by Design. From innovative eye skincere to customized shadows, you'll rind everything you need for a gorgeous new gaze. Shop with your HSN Platinum Rewards Visa Card and enjoy eye-catching rewards Premiering July 10.12. To shop the entire collection, visit han.com theme's no pace like... Ikeyword: Eyes by Design). CHECK TERMS AND CON DmONS. Whwymu=Vmchok(s)."vAlehage•Cosh Adwm9twol3%oftt*en rtotthooMme(sio moirruml. which is • FINANCE CHAROG To use the check(s), your ecoount must be current end have ecaugh available credit. Yoe W alhble credit maybe Was if recently your credit line ens beared a a psyrrent aces atumad. This check(s) must be used by OIY15M and ant bo used to pey ery W"hnen Mtutul eceoua. Returned check fee. M. Overimttae. $39. Finance charges acing Mom the dote eerh check is prenntedto u¦. 'you am currently receiving a promoionr APR fcrCwh Advances, this APR will eppy tothis checM(s) fa tha roc d the promoomsl Period ARK that (a if you am not mcvavrg a Womoeonal APR), your nn-Introductory APR for Cali Advent" undo your Account Agreement ail apply. may nry. and is curmitly 25.99%. For this offer, the Cash Advonee loo will be added to the Pwchaw Billerica and be wbledloyour APR for Purchases. B"1519067102 am No."at 5649 tae CAROLEJ ROBNOM Date 43 COUNTRY VIEW EST NEY/VkLE PA 172r1-Ade PAV TO TM ORDlR O DOLLARS mvroes. 8396695 gawk Sigrwtwe 100881' 1:1149940571:88615198 6718211'9935 36 of 67 ® Payment Minimum Oak"..0 er Account Due Dote P.ymeM 47,'9L2DW Number PO ll. WN33. Doe.a, TX 76.'ga-0433 :;';a+daaledr.ngaof address onhark >yt.W t2.7s4Jl6 4185.8615-1986-7182 want brim 7 I fm Dy N i ?n R s AYOUWT ENCLOBEOi~bleoorblrk we) ,P< N n ,i 1 iri 99 r =45 ??er krm tM rnxal hsan* b bDeulometl?119 y 00000 a0 . myaom DIIe, D kl . N ODD Male Checks Payable to WeerAngton Mutual ILLIrrillri''''llrrlLLOrrIrIILI,LLILLIIJrLIIrlLi WASHINGTON MUTUAL CARD SERVICES lbrllllrrl CAROLE J ROBINSON T109e P.O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0687 NEWVILLE PA 17241.8705 ILoLIdhriLLlLrhILdLlrrLdLrLlrerllrrblrrhll?rn? LrrIILHLrLLIH6NIIIrJrLollLnhlLnlrlLrlihlnrll 4185861514867152 0007100 0235485 0007500 21 8396695 I DETACH HERE 6098 1422 M 1 7 21 W0923 race 1 of 3 -2.40 vxx>o .1-6092 771076 Impatient Messages Give our oookoul that extra ban Get the cash YOU need b using checks b access our credit line. ahalrnenh corn ua» U7/23/08 Cr r ? --- CreddUne x3.600.00 Cash Advances a $000 Avallabte C" for Cash Advances as of 07/23708 700.00 NEW BALANCE =2,351.85 Rewards Summary Palls earned this elaternani period 453 • Total points balance as of lhis statarnanl•- 403 Remember, you earn 3 points per $1 of purrhssee made et HSN and 1 point per $1 of purchases made el olher merchants. You aulorroscally receive a $10 HSN merchandise credit every time you reach 1,000 poims. It's that easy and rewarding' .May not include recent eouelmenls or recem purchases. ]rrleacaons Train Post ® Congretulallonsl You've earned a reward I Rewards Number 922689533448206 O Award Date 7!23/08 Awarded dNPIPA Pams SON Reward 10.00 W E57 7241 .67060 07/23/09 ay PlolkaXn s ?Ve Yrrhad orglyh pokes erects. Floods, ne. reNr to chasm Dhow m9M when urr4 riY br swd+oes on HSN a .corn. YOU may up HSN Rewordir bward merchandise reeds on puidrees made I e a (e l haee m laoth value: (t)esi be purr asod a sold tern ; (a) may lw usedenaraM m.rd mo rreh HSI p ses R.wer? manHBN; (1) may only be used once; (S) an non-smlrapla: all (e) eembl be used d 10 b Purchase, 91111 caNc 1-1614 614 SN employees bysea we not esgiDN. 38 of 67 FOR MILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. 0 ACCOUM NUMBER 4185.615-1986.7182 IM uxx nc 1 7 xl 0.- PACs 2 et ] -.201e Woo. 01-92 nto,c Balance Category Average Dally Perlodic Corresponding Finance Grace Daily Balance Raft APR Charges Terms Purchase - Current Cycle $2,193.24 0657'L• 23 99Y.• $4755 Term A Cash - Current Cycle 6000 .0657X• 23 999:• $000 Term B ElfecBye ANNUAL PERCENTAGE RATE (AP R) 26.01% _ 'These rafts may vrv. The Corresponding APR is thereto dlmwealyou pry Mien you Carry a balance on purchases or cash advances. The ElleaiveAPR represents your tall rmsna charges - incucng trnsacGn fees suds ascash sdvwo red balance tmmW fees - espnnsed as • pwc"oge For 24-hour Automated Account Iniormatlon, plea" call 1-WO.665-7232 or Malt us al www.wsmuards,com Your account Is Issued by Washington Mutual Bank, Mandrson, NV. CHECK TERMS AND CCNDrTK)NS: When yw use this check(s), ere wit charge a Cast) Advance M of 3% of 00 amount other advance ($10 minimrm), which ISO RNAMM CHARM To use this check(s). yov account rMSt be current and have enough available riot Your walsble Credit may be bn ifrecntlyyour Credit Ina was lowered a a Payrlere ens retuned. This dtsckp) must be used by OW15M and and be used Iopsyany Vi slnlgton Mutualsoomrs. ReWmed check fee. lin. Ovrfmitlee63g. Fnwteacharges accrue howth"weach check is prasnledto us. 1 you we cumn9y receiving a promclicnal APR for Cash Advances. live APR will apply tothiscreel(s) tar the real d the promosmal pence. Altor MO (w if you arenot re wing a prmwbonal APR). your non-Introductory APR for Cash Advances under your Account Aprewnera willapply, may vary, and is currway 23.99%, Fordlis olfar,dre Cash Advance feewl be added loth* Purchase Balance and be subject to your APR Iv Purchases. OW151 9107 /92 Para! 110.07M 8944 149 CMQ.E J R08Nw7N )e1G u C0uwmy,AEWWT NEWe1LLE PA 17241•SMS PAY TO TH ORDER O S?3 DOLLARS swwuw sea NhPWW Bank 8396695 '"""°' Mama ShgNthre sa098a' 1:1149940571:80615i9B 671821"9936 40 of 67 ® Payment Mlnlmum BYaneeaser Account D. Oaks Payment oe72 mac Number PO. 11- 9110631 Daera TX 762E-0490 :... hdicale change of address - be oWt7Als 2T7.es ji,4il.as 4105?61S-lOBa-7'taZ Wa111 I at mIK I 1I AMOLWI ENCLOSED I~ We ar bask ink) p?pallp?lv?sm /s y?ggs Ikuin IM`p?ro t hKrnaau aubmatlslNy 17 b ??a??D ?? ?11W t Weal YJ my ?Wy . rl . N pep Male Greb PayabN to liftshinglon Mutual WASHINGTON MUTUAL CARD SERVICES 9nox4 GARGLE J ROBINSON P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241.8706 4185661539867152 0007300 0242155 OD10000 21 6093 1511 - 1 7 71 oa Da21 DETACH MERE ea0e 1 er s COLaxe48 eoto o1-6091 3*02a lrnportent Messages Summer fun left you short on cash? No problem, ust use checks to access our credal lane and et the cash you need. Credits b Pa 1s $100.00 Cash Advances a $0.00 NEW BALANCE $2.421.65 Rewards Summary Points earned this statement period 103 Total pants balance as of the slatemenP. 506 Remembar, you eam 3 pants per $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants. Vou automelifany receive a 610 HSN merchandise credit every time you reach 1,000 pants. Its that easy and rewarding! 'May not include recent aduslmants or recent purchases. Transactlons Tran Post CHECK TERMS AND C0NDrrIONS. When you use this crock(s), we will charge a Cash Advance fail of 3% of the ik D nl ofths advance($io minimum), which is a RNANCE CHARGE, To use this crock(s), your account must W cureht and have enough evailaua dead. Your available seat may be Ns if recently you chat kre was lowered or a payment was returned. The caekk(s) must to used by I& 16/06 and onT be used to pay MY Wasnvngton Mutual account. RaWm id crock fee SW Over"ttao: $39, Fnance Oharges accrue from die data each check is prewriledtous. Nycuartcumestlyrecoiving•promotional APRfor Cash Advances, tlks APR wilapply tothischack(s) for tharest dtae promodcrrol pmod Alter drot(a it you are no receiving a promotional APR), your non-Introductory APR la Cash Advances under your Amount Agreement 9rls apply, "Y vary, and is currently 29.99% For the offer, the Cash Advance tee mil be added lathe purchase Balance and a sudged to yourAPR fa Purdroans. a 61a19"?I$21at7 NO.NDI e694dat149 CMOLEJ ROBINSON Date 43 001JMRV NEW EST NEWVelE PA 172r1•a70a PAY , Ti4 ORDlR S?3 DOLLARS sa wtlakw a Maceal bank 8396695 tJ signatwe "•1081" 1:1149940571:8861,51,98 67182"19937 42 of 67 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. 0 ACCOIAtT NUMBER 41854815-1'088-7182 6012 1511 - 1 l 21 osoo21 IAea 2 ar 2 mWW -D o11u6092 3-26 Balance alogory Average Daily Periodic Corresponding Finance Grace Daily Balance Role APR Charges Terrm Purchase - Currem cycle $2.39364 .0657X' 23.99X' $45.61 Tenn A Cash - Current Cycle $000 0667%, 23 99X• $000 Term B E"WW49 ANNUAL PERCENTAGE RATE ( APR): 22.96% _ ?Mee rates may vary The Corresponding APR isthe rate of irter" you pay when you carry a balance on purchases w cash advances. The Ebecw9APR represerts your UAW Ntana charges - including bwuacdm fess such as cash advance and balance rrenster fees repressedes•pweanNge For 24-lour Automated Account Intorrmtlon, pleoas call 1-NO-665-7282 or visit us at www.wamumrdaeom Your account Is Issued by Washington 6lutual Bank, Henderson, NV. Join Wolfgang Puce as he celebrates 10 years at HSN with his biggest event ever! Shop for brand-new cookware, enjoy greet deals with anniversary pricing and check out twoTodayls Specials. Plus, shop with your HSN Platirxnn RewardsYrea Card for even more sizzling rewards. .. Watch August 15-17 or visit hon.eorn there'4 no ploce like... CHECK TERMS AND CON DITIOW: When you use this cheek(s), w era mwge a Cash A","nee f" Of 3% of bro smoum of the advance ($f o mihmlm),wNm isa FINANCE CNIWOE To use this crock(s), your Woount mum to gmwg and have enough wailad9 scot. Your eveihde tract my W Ns if naeamy yaw sect Ina was lowered of a payrteM mere retwned. Ths mace(s) apt Do lead by t U 15MO and ant be used to pay why N4ahngtm Mue1m acccunt. Reslmed crock fee: $29. Ovwlmit fee: $39. Fnmco charges acme from the data each crock is Presaged b us. ayUu sm ownntly receiving a promamm APR for Cash AMhas, bus APR will apply tol his cladh(s) for the rem of the prombmal Period'. After that (or it you ere not mcelrng a promokonal APR), your non-khtrodlcory APR fm Cash Advances mdw your Amoral AgrsameM wit appq. nay very, and is currently 23.99%. For t115 oiler, e,e Cash Advance W *l be added loth. Purchase BWmm and be su6ysot to yaw APR for Purmws. p 4061519%71542037140.0802 see~ toe CM0LEJ RommmN Date 63 CCUNYRY VIEW EST NEWVLLE PA 172914799 PAY TO TH OR DER O DOLLARS ae vee seer 1 blrarN seek 14 . Nevada 8396695 signatwl a'i08a' 1: 1116 99to 0591:8B615198 6418211'9937 44 of 67 ® Pyment Isnlm4Nn Balance sa at Account Due Date Peywant 09/2Y20e8 Number PO. B.. 060423. DwkA TX M1011-04%3 1ldigts change or address on I6d 1a1o/Oe x.00 ?.?.? 4186-8815-1888-7182 Pay your bill online-or set up A1e%Mt ENCLIDNED(usebW.erbwck automatic payments, $00000.00 Go to wamucards.cofm N Dpp Wta Ctlacb Payable I*VftA"nolOn Mutual IIIIIIIIIIIII?IIIIIIII1111'11111'llulll1l'IIIIIIAll. Ill IIIIIIIIIIIIIII 451,91] WASHINGTON MUTUAL CARD SERVICES CAROLE J ROBINSON P O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266-0487 NEWVILLE PA 17241-8706 Ilnlltldntllllllnlllnllnnlullnlllnllln?Ilnllllull Iorlllullulllllulnllllnlrlullllunllullulullllulll 4185661519867182 0007700 0255860 0010000 21 DETACH HERE 6091 16]7 JrG 1 T 21 01101,21 1Me 1 f 5 CoLez0111 nDOO .1-6042 134411 Important ANessapes •••Ptaaws review and keep the Important Notice M Changesto your Account Agreement at the end of this statement. Our Consumer Privacy Notice Is also enclosed with this sNNment. We ask that you review this noilm to understand both our Privacy Policy and the cholove you can meta ••• hewards Slenmary Poime earned this statement period- - 164 Total points balenae as of the statement'. 670 Remember, you earn 3 pants per $1 of purchases made at HSN and 1 point per $1 of purchases made at other mercherne You sutometically receive a 610 HSN merchandise credit every time you reach 1.000 gams. We that easy and rewarding! 'May not include recent adlusiments or recent purchases. Transactions Tran Poet CHECK TERMS AND CCNDrrK)N6' When you use this dwell(s), wewill charge • Cash Advance tae of 3% of the amount ofthe advance ($IB mirkmum).which is a 14MANM CHARDS. Tom* this Chwk(s), yaw account mug be current antl have enough aft we ar"t. Your malable -edit iney be Was it ncenay you credit line was lowered Ora Psyrrentwas retuned. Ths chedl(s) must aeused by 11/tope antl lanl ba used to psy array Warhnpcn MuOral mmurd RoWneid shock lea. t29. Owrknttfae. 639. Fnanoe charges accrue ham the data each duck is presented to us. N yw are currency rocerong a promotional APR for Cash Advances, tNs APR MI apply to this c"s) far the regal the promotional period After ftt (a Ifyou em rot receiving a prm)odoral APR), your non-Introductory APR for Cash Advances undw your Amount Agreement wia apply, may very, amt s clsreny 23.9996. For this offer, the Cash Advance feewd be added to the Plrcr6se Balance and be subject loyow APR for Purchases. 6661SIeaartti2 ease No.spa 66e405A US CARCIA J 11041109014 Date 43 00UNtAY V1EW EaT NEINVUE PA 1 M 1.6716 PAV TOT M O4?0 RDER O DOLLARS sea 4sw ++n e Ismael Seek 8396695 elf-de sigrrtwe Nei1,81e t:1,i11.9911.0571:886i51,98 671,82069938 48 of 67 ® Payment Minimum Sam"".sd Account Due Date Payment 10122'30011 Number PO eel MW 33. Wow TX 7112664139 Yhdicate shrhg. of address on back tutl3ros tisD.os t3,a4s.u 4185-8616-1988-7182 wart VAOUNT ENCLOSED Des ?k,..1 bNck ink) Iour a 1 1M?beN b; part dial b n dkin >ttd nslDl ? 17 g t he d S?7 rte to bc uobmsOCEIM b+lsd to my aoclnnd Idr 30 daA 190 it 00n 1:10. ?? N 000 Make CheeasPayable to lNa ehirWph Mutual WASHINGTON MUTUAL CARD SERVICES T6227. CAROL- J ROBINSON P O. BOX 880487 43 COUNTRY VIEW EST DALLAS TX 75266-04 8 7 NEWVILLE PA 17241-8706 4185861539867182 00080DO 0264335 0010000 21 DETACH HERE u toll 15.2 IYG 1 T 2l Del= l.te 1 el 3 011..201. Ndoo Ot Ae609] 18221. Important Massages Wint fia home re irs? Get the cash you need by using checks to access your credit line. Rewards Summary Points earned this statement period-. 114 • Total points balance as of this Statement 784 Rartember, you earn 3 pants per $1 of purchases made at HSN and t point per $t of purchases made at other merchants. You automatically receive a $10 HSN merchandise credit every time you reach 1,000 points. It's that easy and rewarding1 .May not include recant adjustments or recent purchases. Transactions Tran Post FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. CHECK TERMS AND CCNDRIONS: When you use the chock(s), wood throe a Cash Advance in of 3% of the amount of the advents (sio min imum),wNdh is a FINANCE CHARD- Tome this cheek(s). your account must be eVrnt and how enough waiteble credit Your avNable eredt may ales N ecoMy your andt lire was lowered Ora payrtvnt was rstumed. The shedgs) must be, used by 1211MB and can't boused topsyny Washngtan Mutealecooura. Rselmedshackfee W Over"lloo:539. Fnanca charges acme from the date each check is presented to us. ayw erecumn9y receiving • Romckonah APR for Cash Advnas, this APR will apply to this cheoNs) la to rat d to promodonsl prod After tat (r if you are net reo wing a promotional APR), your non-Introductory APR for Cash Advances unar your Accourht Apeerarntwe apply, nay very, as s cwromly 23.9916. For this ~,the Cash Advence fee sell be added to the purchase Balance arid be subject to your APR for Purshas.s. 8ae151eav152 Wall NO.d10D1 S&IMMnlle CMOLEJ ROSN90N Date N COUNTRVwEW EST NEWV1UEPA 1Tdlt-6705 PAY TO TX ORDER O -0 A= DOLLARS sea s r el trhk 8396695 Nevada slgn.tur. N*12alls 1:1149940571IMB615198 671182Ne9939 2 of 47 ® Psy1nM Mnbmum BWnee.ad Ac-t Due Dine P.y"rd ttnw200 Number P0. ace 01W33. DW.b TX 762W-0 C')1.0coto- Change of address an back 1Y1wo0 _ •? i2,aal.OS 4186.8816-1988-7182 Wl wffd t o M l , NOwI the r from ByBODB l AMOUNT ENCLOWD I- bN. or bl.e9 into '''' + p ym l ? a?Ash w.mu Ml, cehe m kamaab ut"Sy ?( 7n?? a a ? ?? and (pwvieni pponenl opsom. LJLJ . N ppo Make Chaeb PsyablS t6 Washftlon Minuet Ili1,lr,lair,lllllirrll.1611rr161111161rIIII,I,II,I,I,II,Ilrll WASHINGTON MUTUAL CARD SERVICES ll11111r11 1e6o9f CAROLE J ROBINSON P O BOX 660087 43 COUNTRY VIEW EST DALLAS TX 75266-0087 NEV/VIL LE PA 17241-8706 IIn,IrIr1u1111111nIIInlluulnllnlllulllulrlullllnll Iu1111n11nIr111nIn1111nI111ulllnulln,Inlnllllnrll 4185661519867182 0020500 0289105 0010000 21 6093 1616 ale 1 7 21 .1111 DETACH MERE rKe 1 of l mr.Rp6o wm0 olaa60f3 16.19 Important Messages YOUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately You may also call us al 1-800-280.9441 or visit us at wernucenhelp.c ndfor payment options. - •statementclosin Data 1111WOB credo Pa w__-----------------------------50.00 - ------------------- Credit Line $3,500.00 CoahAdvances a $0.00 'Available Credit for Cash Advances as of 11/19/08 $0.00 NEWBALANCE $2.891,08 Rewards Summary Points earned this slatemeril period 137 701111 pants balance as 01 this Statement': 921 Remember, you earn 3 points per 51 of purchases made at HSN and 1 point per $1 of purchases made at other merchants. You automatically receive a $10 HSN merchandise credit every lime you reach 1.000 pants. It's that easy and rewardingl :May not include recent adjustments or record purchases. Tnneaesons Tran Post salons couw" Average Dally Periodic Corresponding Finance Grace Daily Balance Raw APR Charges Terns Purchase - Current Cycle $2.739.31 0557-W 23.99%• $50.39 Tenn A Cash - Current Cycle $0.00 .0557-W 23.999:• $000 Term B EMeetlve ANNUAL PERCENTAGE RATE (APR). 22.07% 'Thew rews mar vary The Canasponding APR a the rata of inure! you pay v han you Carty a b"nCa on purohaaN or cash advames. The EsodNeAPR represents your tdel nnarhra oheryN - IncUdin9 Mend en fws such as Mesh edVano and balance transfer fees - ownissed as a porcer"go. For 24-hour Autormted A0006Nrt InffrrTntlon, plea** call 1-800-666.7272 or visit us at www.wamueards. earn Your account Is Issued by Washington Mutual Bark, Henderson, NV. In case you misplaced your bill, or simply forgot, a payment is duo on this account. Log in at wamucanheip.com where you can: • Make payments online • Update your contact information • Get current account details and much more Make a payment online. Log in today. si.cxs„ 8396695 32 of 47 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. ® Payment Minimum Belence as of Account Due Dale payment 12/19'2000 Number P0. a" 1901`91. Wbo TX 76M 04" -,-ihdicsted1rlp ofeddram on bark ovlirae .? f2,931Jp 4186-8815-1988-7182 Pay your bill online-or set up AMOUrnENCUceeo(r Iau#erbee,MA) 8396695 automatic payments. ? 00000.09 Go to wamucards.com N 000 Map CMcp Payable 10 Washingson Mutual I, elf 160Ld1OrJ WASHINGTON MUTUAL CARD SERVICES P O BOX 660487 DALLAS TX 75266-0487 CAROLE J ROBINSON arse s7 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 II a I I I to 111 1111111 fur 11111111m 1111110 1110 1 1 n 1 n I I I Inf 4185661539867152 0008600 0293180 0010500 21 DETACH HERE con Ifs, JYG 1 7 x) 08121f rue 1 e1` 1 -2e4C uo00 of u,Of2 146857 Slatement Clos Date 12/19108 Credit Line $3,500.00 Available Crad1 for Cash Advances ss of 12719/08 0o Rewords Summary Panes earned this statement period. 127 Total pants balance as of this statement'- 48 Remember, you earn 3 pants par $1 of purchases made at HSN and 1 point per $1 of purchases made at other merchants. You automatically receive a $10 HSN merchandise credit every time you reach 1,000 pants. It's that easy and rewarding' 'May not include recent adjustments or record purchases. Tranaacllons Tran Post Balance Category Average Dally Perlock Corresponding Finance Gran Dally Balance Rote APR Chergss Terms Purchase - Current Cycle $2,939.16 .06675V 2309%, $57.83 Term A Cash - Current Cycle $0.00 .0657X• 23.99X• $000 Term B EtbcUw ANNUAL PERCENTAGE RATE (APR): 23,W% These rats may vary The Corresponding APR is the rate of irdervia you pay when you tarty a balance on purchases a cash advances. The EaedwA PR reproserss your total rnonoa 01141`999 - indlodn9 transsdan fps such p cash advance and balance irareter lap - 9W nod as a porcenreae. For 24-hour Automated Account Intormatlon, Plane cell 1-BOo-/BB-7232 or visit us al wwwmannuards.eorn Your account Is Issued by Washington Mutual Bank, Henderson, NV. Congratulellonsl you've earned a reward l Rewards Number: 922914845128365 O Award Date: 2/19/08 Awarded to: Pame a SON Reword 10.00 PIPA S EST ?724 1-87060 ? 1?19/O9 B y Plalmum Reyrds V b, 've tarried anugl ponte credo. PWae "911` to alrean above d9ht Won AV using sus fe Purchases on HSN or sari. you may use HSN Re , i4s; toward rnrdunic ks soda on Purchases ms" by te4Phone a omens N NSH.can. HSN Rwnrdr: (1) have so bah vehn; (2) canna be Purchased a SOW ter cash; (3) may only be used toward awcMndae Purchases from Harr, (4) may only be rasd once; (5) m n ssaaiwu bh% and (6) cannot to used 10 Purdrse gilt cud& HSN employes, are rid Mlpib4. 34 of 47 FOR BILUNO ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. ® Payment ""h- Due Dale Payment Balance as of Account 0112130De Number P.O. e.. N0033. DNb. TX 74100447! 3necats orange of add- on oarx obnros sea.oo sa,ox•„ 4185.8618-1888-7182 Pay your bill online-or set up AMOUNT ENCL06ED(-ble..rbl k IM) automatic payments. Go co wamuCerds.tom $000001-10 N ODD MAO Chocks Payable is wool ington Mulual Jr L 111 aansl WASHINGTON MUTUAL CARD SERVICES CAROLE J ROBINSON P.O. BOX 660487 43 COUNTRY VIEW EST DALLAS TX 75266.0487 NEWVILLE PA 17241.8706 4185661539867362 0008900 0293611 0008800 21 DETACH HERE ran lief nc 7 21 0"00 - I er I WLR20411 x0100 ..-61112 Mail Important Messages Your aceounl is now owned by Chase Bonk USA, N.A. See enclosed Privacy Policy. "you area new Chase CYaomw you need to contact us to eaerdes your prIV a?v orefermoee •SNlsmsntgosn Date 01/21/09 Pa many Credit Line $3.500.00 Cash Advances a •Avadsde Cradil for Cash Advances as of 0181109 M.00 NEW BALANCE pp?? Rewards Summary Points named this statement ponod- 5 Tote) pants balance as of this statement'. 53 8396696 Remember, you earn 3 pants per $1 of purchases made al HSN and 1 pant per $1 of purchases made at other merchants You automatically receive a $10 HSN Merchandise credit every tore you reach 1.000 pants. It's that easy and rewarding! :May not include recent adlustmenls or recem purchases. Transscllons Tran Post FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Balance Category Average Daly Penodlc Corresponding Finance Greco Deily Balance Rate APR Charges Terms Purchase - Current Cycle $2.943.16 .065790 23,99%• $6311 TermA Cash - Current Cycle $0.00 .066790 23.99%' $000 Tenn B EtNcgve ANNUAL PERCENTAGE RATE (AP RY 26.01% ?Nee reins may vrv. The Corresponding APR is the rots of ireenal you pay when you carry o bohnw on purchases or cash advances The Effect-veAPR nprasens your [oral finance Mantles • including tmeocdan less such as cash advance ontl hNnee transfer less - e-lorassad as a percentage For 244tour Atriomsted Account Informatlon, planes cal11-WO.6ai7232 or Nsh us el www.wrnucardawm Your account is issued by Wtnhingtm Mutual Bank, Henderson, NV. 36 of 47 ® Psymmt Mnini" 6alame as as Account ow lame Pyrre.l 02,14a2e011, W-be, Po a« 810132. Di&. TX 762106 ,inocate dhange of address m back OL1eMe 7el.oo t3,oJ1.» 4185.8616-1886-7182 ANOINT ENCLOSED imie OI09N beck ,M) $?????,?? Li tAhata gacb PaI'ebb to 1NeMlkl9lon Muluel 8396695 IId,I1r11L1111111r111,I111rILllLIJ,LIIdJLIr I.II,ILIILIIIILJ WASHINGTON MUTUAL CARD SERVICES P 0 BOX 660487 DALLAS TX 75266-0487 Il,r,lllrikniklrllurll„Ilir„II,IL,LIInIL,LI„rllLnl CAROLE J ROBINSON ..063 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 r.I IIl,rrlrrl,l,1111,,,I IIlrl,lr,rlll,k,ill„Ilr,l,rllrl,,, 4185861539867102 0009100 0302119 0010000 21 DETACH HERE W. Ole. - 1 T 21 090220 1., 1 sf I w4n2010 1000 01A116092 526063 Account Summa StawnsmCloesl Date 02/2Dro9 credits BPa demo - ...$10000 Cred'd tine $3,500.00 CashAdvancas + 60.00 -Available radlt for Cash Advances as of 02/24809 78.00 NEW BALANCE $3,021.19 Rewards Slanmary Points earned this statement penod. 104 Total points balance as of this statement, 157 Remember, YOU Sam 3 pants per $1 of purchases made at HSN and 1 point per $1 at purchases made at other merchants 'You automatically receive a $10 HSN merchandise credit every tree you reach 1,000 pants. It's that easy and rewarding! 'May not include recent adiuslments orrecem purchases Transactions Tan Post Balance Category Average Daily Periodic Corresponding Finance Grace Daily Balance Rae APR Charges Terms Purchase - Current Cycle $2,941.20 .0657X' 23.99X' 57.97 ennA Cash - Current Cycle $000 .0657X' 23.99%' $0.00 Term 8 E"ach" ANNUAL PERCENTAGE RATE ( APR): 23.45% _ 'TMs rate may vary. The Corresponding APR's the rate of interest you pay when you carry a balance m purchases or cash advancos. The E4ediveAPR represents your total amino charges - imiuding tranaacam less sudh as cash edvwm and behame.arnfor fans - wp sssed as a percentage. For 24-hour Automated Account Information, please call I-ODO-665.7232 or Malt us at vwrw.leamucards com Your account Is Issued by Washington Mutual Bank, Henderson, NV. 38 of 47 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1. Psymem Due Dale New Balance Peal Due Arta unt Minimum Payment OM14N6 =2,645 78 $6 00 =78.00 ACCr2W11 1rllnbar: 9185 881511188 7182 • a take Yew cheek Payable to: Chase Card Service s. Pgasa senile anx,utt oncbso, New eddross a w"19 Pmt on bad 41658615198671820000780000254538000D008 0330 80 CA ROLE J ROBINSON Irrrllirl,nl.rlrl..I.rlirrrlrir..rll,irlr.rliarrlrl.rrllrrllrrl 43 COUNTRY VIEW EST NEWVILLE PA 17241-5706 CARDMEMBER SERVICE PO BOX 15153 Ir.rllLrrLrlrlrlrrl.rrll IrrLLrrIIl,rrrllrr.L.L.ll.lrr WILMINGTON DE 19866.6153 rll 1:5000660261: 0 46 6 5 6966 7 i8 2 i11a O CHASE Statement Date: 02/21109 - 03/20/09 g bYnape yew aeceuM oMine: Mlramum Pa yraem: s76.oo www eh-? mrrwrodsc its Psymnl Due Dale: 04/14Aa Additional oontxa kaer rraen ACCOUNT SUMMARY VISA Account Ntanber: 41-0-5-8-61-5 1966 7164 ODnwnanty iocatod m mwrso adv Previous Balance $3,021.16 Total Croon Une $3,500 Payment . Credits 5600.00 Avelatle Credit $954 Purchases, Cash, Debits 471.11 Cash Access Line $700 Finance Charges .$53.08 Available for Cash S7oo New Balance 2,545.38 FLEXIBLE REWARDS SUMMARY Previous points balance Pants erased on purchases this penod 157 To redeem your Flexible Rewards punts, call 0 1 Points adjusted or purchased 41is period -800.603-2266, or log on to 25 www. chase.mrWcreditards for 24-hour access New total points balance 182 10 your rewards program 157 Points to expire on statement on or after FEBRUARY- 2014 IACCOUNT rTY Date of Transaction Merchant Name or Tranaersion nesaotion I Amount 0311D Payment Thank You Electronic Chk -60000 Omit CREDIT PROTECTION FEE 800.238-0964 23.67 03/D1 OVC 3536300,03501 800-357.9444 PA 24.78 03(20 PAYMENT PROTECTOR 1-800-238-0084 2245 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Dus To Feet Accumulated FINANCE Category 2e days m cycle APR Balance Periodic Rate S"ce Charge Fin Charge CHARGES Purchases V .06641% 24.24% $2,054.71 $5106 $0.00 $0.00 $63 08 Cash advances V 07463% 27.24% $0.00 $0.00 $0.00 $000 . $0.00 Total manse charges $53 08 Etleotire Annual Percentage Rats (APR): 24.24% Pleat see Information About Your Account section tot balance computation method, grace period and 01 her imporlanl Information, The Corresponding APR is the rate of interval you pay when you carry a balance on any transaction category The Effective APR represents you Iola) hence charges - including transaction loge such as cash advance and balance Vn0or lose - expressed as a percentage. IMPORTANT NEWS Puy you taxes the SMY WRY today and spread you payments out over time. Go to wwrw.chasepeyyounaxn cone lex 10 pay you loxes with your Chose credit card Worried your taxes weranl done oomect)y? Get a Second Look review from H6R Block for just $29. In the pat, we found rnistakes in 4 Out 5 of the returns brought to us for a Second Look Review. Call 877-696-LOOK. The identifies you as a Chase arsiontair 8396695 This Statement Is a Facsimile - Not an original 0000001 mum 013 WO N Z 20 011,00120 Pg. I of 7 050M MAMA 03340 0791 OO00130O00334M X 0010 40 of 47 Payment Due Date New Balance Past Due Amount Wnlmum Payment OSM SI09 =2,50315 :000 :76.00 Aeeounl number: 41856815 11786 7182 ,w Make your check gyable to: YW. Chace Cud 5-wee. Paasa eesa amOwhl enclosed. New address a a-mall Print on book 41858615198671820DD0760000250315000D001 M61 M AROLEz J ROBI OBI I' "D CA Ir.rIII.IrrI..I.Irrl.rllrrrl.Irr.dlrl.lrollrrlrl.rrllrrllr.l NSON 43 COUNTRY VIEW EST CARDMEMBER SERVICE NEWVILLE PA 17241-8706 PO BOX 15153 WILMINGTON DE 16886-5153 1:5000 660 281: O &815 &9867 &B 2 &tr CHASE O Statement Date 0321/09-04420/06 g rrYnegey"weeceurwonllne: IY1lnlmum Payment: $76.00 -he- Con7difrodlUE111 Payment Due Date: 05115109 Adelll°nal Oomact Irdonnatlon ACCOUNT SUMMARY NSA Account Number: 4185 9615 1995'71'92 COnwnunty hcuted m rworse s de Previous Balance $2,546.38 Tote, Credh Una $3 500 500 Payment, Credits -5250.00 Avas,We Credit . . Purchases, Cash, Debits .$156.50 Cash Aces Line $700 Finance Charges .551.27 Available for Cash $700 New Balance 2.503.15 FLEXIBLE REWARDS SUMMARY Previous Pointe balance 182 To redeem your Flexible Rewords points call Pants earried on purchaws this perod , 135 1-800.603-2266, or log on to New total points balance 317 % ww.chase.coMcred icards to 24-nour access 157 Pants to expire on statement on or aller FEBRUARY. 2014 to your rewards program ACCOUNT ACTIMY Date o1 Transaction merchant Name or Transaction De o nti 0402 a r on Payment Thank You Electronic Chk Z Amount -260.00 0321 OVC 353520816401 2 OF 2 800-367.6444 PA 45 86 03131 OVC 353950102001 1 OF 2 800-387-6444 PA 2011 0411 OVC 353826753401 1 OF 2 600-367-6441 PA 1954 0414 OVC 354118775101800-367-94" PA 2645 0419 OVC 354171854101 1 OF 2 800.367.9444 PA 2244 0420 PAYMENT PROTECTOR 1-800-238-0984 22.08 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rata Corresp. Average Dally Due To Fee/ Accumulated RNANCE Category 31 days in cycle APR Balance Periodic Real Service Charge Fin Charge CHARGES Purchases V .06641% 24.24% $2,490.66 $61.27 $0.00 $0.00 $61 27 Cash advances V 07463% 2724% $0.00 $0.00 $0.00 . $0.00 $0.00 Total inance charges $51 27 Effective Annual Percentepe Rest (APR): 24.34% Plea6e sae Intonnatlon About Your Aocount section for balance computation method. grace period, and Other important Inlonnalion. The Corresponding APR is the rate of interee, you pay when you carry a balance on any transaction category The Ettecive APR represents your 10181 frsnce charges - including Tansadtion tees such as ash advance and balance vansler less - expressed as a peroantage. Save 10% at La Ouinta Inns a Sates where your travel dollars go even tun her with FREE Bright Side ereabal, FREE Hgh-Speed ahsmal and Cosy beds. Book now rirough 9/30/09 at www.LO.comfChase10 or call 1-000-SLEEP-LO (753.3757) and ask to promo "Chasel0" 8396695 This StatemeM Is a Facsimile - Not an original 0000001 FS23M D5 000 N Z 20 Oe44410 Paget dh 055M rMWh4r*l 11 a OOOOOWODIM0i R Om 42 of 47 Payment Due Dais New Balance Past Due Amount Wrilmum Peymemt 08/1q/W $2,55047 $000 $0.00 Account marls liar: 4185 8815 1888 7182 . !lake yew check payable to: Chase Card Services. Please wrila smmnt enr:losed. New adtlrass or amai+ Print on bad 418586151986718200000000002550470000007 CAROLE J ROBBI IrrrIll.Irrlrrirlrrlr.Il.rrlhlrrrrll.l.lr.rll.rl.l.rrllrrilh,l CAROLS R NSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1e886-5153 Ir.rIIIrrrL,LLl.rl.,rllLrLlrrrlllrrrrlLrdr.inll.lrrdl 450001,602B,: 0 i8 L 5 1.98 6 7 i8 2 1o CHASE O Statement Date: 0421/00.05/20/09 g Manayeyowomountonana: Minimum Payment: 50.00 v'- `N'•J----?"'rQOddm?b Payment Due Dale: 06/14109 Additional contact IMermaticn ACCOUNT SUMMARY VISA Account Number: g195 8615 1998 7182 wrivenimuti located on reverse side Previous Balance $2,503.15 Total Credit Line $3 500 Payment, Credits -$110.00 Available Credit , $949 Puntheses, Cash, Debts w$107.48 Cash Access Line $700 Finance Charges 449.84 Available for Cash $700 New Balance 2,550.47 FLEXIBLE REWARDS SUMMARY Previous points balance Poime earned on purchesee this period New total poime balance 157 Points to expire on statement on or after FEBRUARY, 2014 317 Thank you for using the Credit card that earns 85 rewards that can be used for travel, gift cards, 402 cash, or merchandise. Remember, you can earn points by using your Resole Rewards Credit card for everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credh Card DBMS 1 point for every $1 you spend on purchases. Earn up to an additional to points while shopping online through wvw.dhsse.comhewardaous Add authorized users, and sign up to have your monthly tills charged to your card, loo. Why not get rewardsior all those purchases too? Ka that aimple. Simply go chase.comvirewards to choose your reward todayl Redeem your points arrytsne, or just check out new offers at www.chase .com/rewards. ACCOUNT ACTIVrrY Date of Tnuismon Merchant Name o T i D 04/25 r ransact on escription TLG Enrollment Credit Amouiril 05/01 Payment Thank You Electronic Chk -ID 00 -100.00 0413D OVC 353885401801 800367-9444 PA 05/01 OVC 353950102001 2 OF 2 800-367.9444 PA 36 61 USID4 OVC 354349392101 1 OF 5 800-367-9441 PA 20 11 05/12 OVC 353926753401 2 OF 2 800-367.9444 PA 6 72 05/20 PAYMENT PROTECTOR 1-800-238-0984 1954 22.50 FINANCE CHARGES Finance Charge 7mnssc5on Daly Periodic Rule Commp Average Daily Due To Fee! Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Auto Service Charge Fin Charge CHARGES Purchases V 06641% 2424% $2,501.70 $49.64 $0.00 $0.00 Cash advances V .07463% 27 24% $0 1)0 $48.84 . _ $0.00 $0 ,00 $0.00 $0.00 Total finance charges $4e 84 ENSCtWO Annual Percerrtaye Rate (APR): 24.209E Please see Imormalon About Your Account section for balance C017WIltion method, grace period, and other important information. The Corresponding APR is the rats of interest you pay when you carry a balance on any transaction Category . The Effective APR represents your total finance charges - Including trarhsacnfon fees such as cash advance and balance transfer lees - expressed as a percentage. 1111IMPORTAINT NEWS You have the flexibility to cup a payment . You must pay Past clue and ovarlimil balBnoes immediately. However. the remaining minimum paymem for IND rhonih has been reduced to $0. Finance Charges will continue to amnia 8396695 To reduce your balnce. feel tree to make a payment This Statement Is a Facsimile - Not an original 000e001 F1033M0 13 cod N 2 20 QMR0 P .O. zooso a9• oseee wh,u4045 14M0000130004aausm 44 of 47 Payment Due Deft New Balance Past Due Amount Wnimurn Payrnant 0711SN9 $2,658.69 $0.00 $80.00 Acclwrtl number: 4195 0615 ISM 7182 Make yew check Payable to: Chase Card Services. Plassowreo arrant enclosed. New eddrasa or -19 Pnnl on bed. 41858615198671820DD08000002658690000006 AR aL7(2 ROBI O Ir1tl?Illrrlydrl.rl.Illrrrl111lrrllrllllrl1111111.hrllrrl1r11 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18886-5153 ?udl?ur?nldr?erln 11? ?n1?ur???nu?lurln?o??r?n1?? 1:50001,,6028e: 0 W L 5 19867 i8 2 19a CHASE 0 Stetemenl Date' 05)21/09-06/20/06 g lasm9eyew•«waonllne: MinimumPayrinsirl: $60.00 hxwwrcn.•ecomraeder d, Payment Due Daft: 07/15N9 Additional domed Womaticn ACCOUNT SUMMARY VISA AccountNumber: 4165 6615 1966 7162 wriw cenoy located an revtrw side Previous Balance $2,550.47 Tolel Credit Line $3 500 Purchases, Cash, Debits .$64.61 Available Credit , $841 Finance Charges $63.61 Cash Access Line $700 New Balance Available for Cash $700 FLEXIBLE REWARDS SUMMARY Previous Point s Balance Point s Earned on Purc ases This Period 402 Thank you to using the credit card that erns Point: Earned Through Chase Rewards Plus 32 rewards that can be used for travel, gift cards, 0 cake, or merchandise. Remember you can New Total Points Balance , 434 earn pontes by using your Flexible Rewards credit card for everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns 1 point for every $1 you spend on purchases. Earn up to an addaiohal 10 points whilt Mopping online through www.chose.com/rewOrd@Ous Add authorized were, and sign up to have your monthly bills charged to your card, loo. Why not get rewards for all those purchases too? Ire that simple. Simply go Chase.conhewards 10 choose your reward today[ Redeem your points anytime, or just check out new offers at www.chase corn/rewards. ACCOUNT ACTIVITY Date of Trerseceon Merchant Name or Transact on Description 1 D5/20 OVC 354171654101 2 OF 2 800-367.94M PA 2244 06/04 OVC 3543403921012 OF 5 800-367.9444 PA 8 72 06/19 PAYMENT PROTECTOR 1-800.236-0984 23.45 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp Average Deily Due To Fee / Accurnulated Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Char e FINANCE CHARGES g Purchases V .06641% 24.24% $2.604.25 $53.61 50.00 $0 00 $5311 . Cash advances V .07463% 27.24% $0.00 $D.DO $0.00 $0.00 $0.00 Total finance charges $53.61 Etfecttvs Annual Percentile Rats (APR): 24.249E Please see irdonation About Your Account section for balance computation melhod, grace period, and orier important Information. The Corresponding APR is the rest of Interval you pay when you carry a balance on any transaction category . The Etlecive APR represents your total finance charges - including Iran section lees such as cash advance and balance transfer lase - expressed as a percentage. Get ureimiled local 6 long dialanos Calling with Vonage for the low price of $24.99/Morth. 26 great features ® no extra 0038. High Speed internal required. See Vonsge.eony911. For details cal Vonage 81868.689-3608. Idereity yourself es s Chase Cardrnember (tits is NOT a Chase customer service a) Whiled time oiler on British Airways... Save $1001/. Book a round-trip flight on British Airways worldwide in World Traveller Plus or World Trwe6er balwash Mar 23- Aug 31, 2009. Vied bit ca7?cheeelg0 to book your fight. Offer ends June 30. 2009. ' Tens 6 conditions apply. 8396695 This Statement Is a Facsknlle - Not an origlrml 00000111 F0331= D 13 ODD N Z 20 OPM20 P e 1 a/ X ODasw813a9/ V 05686 MAW 02069 1701000013DODD20ft111 46 of 47 Payment Due Dale New Balance Past Due Amount Minimum Payment 08/14!06 &2,690.66 &0 00 &60.00 AccotarM number: 4185 8815 1986 7182 $1 Wire you amount pyaWato: YW Chase Card 9wvkes. Please urns amount enclosed. Nsw address a s-msi'/ Pnnt on Dock 4165861519867182000080D00026906800DD001 2$li&M Z21) ODD CAROLE J ROBINSON 43 COUNTRY VIEW EST CARDMEMBER SERVICE NEWVILLE PA 17241.8706 PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,60281: Di8L5i9867i82L11e CHASE 0 Statement Date: 06/21/09.07/20/09 g fifenageyoursccountenure: Minimum Payment: $60.00 www enase. m...,. edtewds Payment Due Date: 06/14,06 Additional contact Ndormatlon ACCOUNT SUMMARY VISA Account Number: 4165 6615 1696 7162 ...niwxy located on rwerse cede Previous Bellows &2.65369 Total Credit Line $3,600 Payment, Credits -&100.00 Available Credit &809 Purchases, Cash, Debts -$7882 Cash Access Line &700 Finance Charges af63 17 Available to Cash &700 New Balance 2,690.68 FLEXIBLE REWARDS SUMMARY Previous Points Balance 434 Thank you to using the credit card that earns Points Earned on Purchases This Period 79 rewards that can be used for travel, gin cards, Pdms Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn pools by using your Flexible Rewards Total Points Unavailable for Redemption 513 credit card for everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns 1 point for every &1 you spend on purchases. Earn up to an additional 10 points while shopping online through www chose.comhewardsous Add authorized users, and sign tip to have your monthly bills charged to your card, loo. Why not gel rewards to all those purchases too? ITs that ample. Simply go chase. comhewards to choose your reward lodayl Redeem your points anytime, or juat check out new otters at www.cho a com/rewards. ACCOUNT Al Dole of Transaction Merchant Nome or Transaction DescrDtlon 07/07 Payment Thank You Electronic Chk SAmouni -100 00 06126 OVC 360936505901 1 OF 4 800-367-9444 PA 5 30 07105 OVC 354349392101 3 OF 5 800.367-9444 PA 6 72 07107 OVC 355014042001 1 OF 3 S00-367-9444 PA 13 63 07112 FISN'NSN 877075586 1OF3 800-284-3900 FL 51 09 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Coresp. Average Daily Due To Fee/ Accumulated FlNANCE Category 30 days in cycle APR Balance Periodic Role Service Charge Fin Charge CHARGES Purdhmas V .06641% 2424% &2,666.52 1153.17 $0.00 &0.00 $53 17 Cash advances V .07463% 27.24% &0.00 &0.00 &0.00 &o.00 . &0.00 Total finance charges $5317 Elfectlve Annual Percentage Rate (APR): 24.24% Please see Information About Your Account section for balance computation method, grace period, and other imponant information. The Corresponding APR Is the rate of interest you pay when you carry a balance on any transaction category . The Effective APR reproaems your total finance charges - including transaction fees such as teen advance and balance transfer toes - expressed as a percentage. IMPORTANT NEWS Discover your favorite Starbucts Vivenno Smoothie! They come in three fantastic favors: Orange Margo Barerhs, Banana Chocolate 6 Strawberry Banana Each corneins 280 calories or ism, has great nutritional benefit and tealea sensational! 8396695 This Statement Is a Facsimile - Not an original OOM F*33=D5 WO N 2 20 OW720 Pagel dl 05606 WMl12e11e 2011000005DO026ltea x OoOVA wo13075 6 of 47 Payment Der Dale New Balance Pest Due Amount Minimum Payment Oal14/Oi (2,665 67 =0.00 :01.00 Accburd number: 410506151686 7162 ,w IM as yew Check Payable to: VW: 1 Chase Card service. Plessowrsa amours onclosed. Now addres a s•mat'+ Print on book 416586151986718200D0810000266567000000000000009 57057 BEX L Z320e D CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 ?nriiinr?rr lrlrln? n.11I. lrl.Ollirlrlllllll Li u??rin rill 0:50001,60281: D L8 i5 1986 7 18 2 La' 8396695 CHASE O Statement Dote. 07,21109-08/20109 JR a.. N 9eyour.ceowaon ne: Wnpnum Payment: $81.00 v„,w? : •a Msaod Payment Due Dale: 09!14109 A4elaonal Contact Information Conveniently Inceted on reverse ads ACCOU TSU MMARY Account Number: 4186 eMSta9a 71e Previous Balance $2.690.68 Total Credit line $3 500 Payment, Credits -$8000 Available Credit , $834 Finanoe Charges .$64.99 Cash Access Line $700 New Balance 2,665.67 Available for Cash $700 FLEXIBLE REWARDS SUMMARY Previous Points Bdanoe 0 Thank you for using the credit card that earns Points Earned on Purcnrues This Period 0 rewards that can be used for travel. DIt cards, Points Earned Through Chase Rewards Plus 0 cast, or nterchandias. Remember, you can New Total Points Balance Tots Points Unavailable tor Redemption 0 513 earn pours by using your Flexible Rewards Credit card 10, everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns 1 point for every $1 you spend on purchases. Earn up to an additional 10 points whle stopping oNine through wWw.Chose .comhewll/dsplus. Add authorized users, and sign up to have your monthly tills charged 10 your card. too. Why not gel rewards ter all those puraheses too? Its lhat simple. Smply go chese.com/rewardB to choose your reward todayl Redeem your points Wime, or luck check out new otters at www.chase convi ewer0s. ACCOUNT ACTIMY Date of Trertasnon Merchant Name or Treneaclion Deaaolion & Amowl 08/03 Paynsnt Thank You Electronic Chk -00 00 FINA E CHARGES finance Charge Trarmacton Doty Periodic RoleCorresp. Average Dally Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Role Service Charge Fin Charge CHARGES Purchases V,06641% 24.24% $2,670.94 $54.99 $000 $0.00 $64 98 Cash advances V 07463% 27.24% so.oo $0.00 $000 $000 . $0 00 Told Inane charges $5499 Elfte We Annual Percentage Role (APR): 24.24% Pleaso see Inlormation About Your Account section for balance computation method, grace period, and other Important inlorrnelion The Corresponding APR is the role of interest you pay when you carry a balance on any !rani acDOn category . The Etlecive APR represents your bid lnance charges - Including transaction less such as cash advance and balance sander tees - expressed as a percentage. This Statement Is a Facsimile - Not an original 0000001 FI$333 a D 1 a 000 N 2 20 00ftQO ?.p. t .I 1 05M Wr.U 51057 2yr 00001311005n)5701 zam 8 of 47 Payment Die Dow New Balance Peel Due Amount MMmum Payment 1N16/00 x2,679.01 60.00 :121.00 Account number: 4185 88151988 7182 . Atoka your cheek payable to: Chase card 6nvleas. Please wee amount enclosed. New address or x.6111 Print on bads 41858615198671820DO121D0002679010000000DOOOD001 0x1 as 8EX Z 26309 0 CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-6706 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 lru?I?ur?ulcirlnin rid ?nlsiurl?Innllnrl n? niiriur?? 1:500011160 281: O 48 4 5 198 6 7 LB 2 Lae 8396695 CHASE O Statement Dale. 0621/09.09120/06 1?1 ? M Ml ?7M?G c nageyour•«ounto ne: A6nknum Payment: $121.00 Payrr»m Due Data: 10!15/09 Additional contact a,onreacn convenl6nty totaled an reverse do ACCOUNT SUMMARY Account Number: 4195 0615 1968 I18 Previous Balance $2,665.67 Total Credit Line $3,500 Payment, Credits -$61.00 Available Credit $020 Purchases, Cash, Debts x$30.00 Cash Access Line $700 Finance Charges x$55.34 Available for Cash $700 New Balance 2,676.01 FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the cre11 card that erns Palms Erred on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cast, or merdwndise+ Remember, you can New Total Points Balance 0 earn Ponta by using your Flexible Rewards Total Points Unavailable for Redemption 513 credit card for everyday purchom like groceries, gas, and drugstore purchases. Your Chose Reside Rewards credit card came 1 point for every $1 you spend on purchases. Earn up to an addnional 10 points while shopping Orlin, through www chose.comhewerdaplus. Add authorized users, and sign up to have your monthly bills charged to your curd, loo Why not gel rewards for all those purchases too? 1151he1 simple Simply go chase cwnNewarda to choose your reward today! Redeem you points anytime, or just check out new offers at www.chase combewards. IACCOUNT ACTIVITY Dale of Transaction Merchant Name or Transact on Descrlion I Amount 09116 Payment Thank You Electronic Chk -61 00 09/14 LATE FEE 3900 FINANCE HARGES Finance Charge Transaction Daily Periodic RoleCorresp. Average Daily Due To Fee/ Acnlmulatsd FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Pk/c haws V .06541% 24.24% $2,688.13 $55.34 $0.00 $0.00 $55.34 Cash advances V .07463% 27.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $5634 E1leetlve Annual Percentage Rate (APR): 24.24% Please see Information About Your Account section for balance corrtputalion method, grace period, and other important irdormation The Corresponding APR is the rate of interest you pay when you carry s balance on any transaction category. The Effective APR represents your total trance charges - including transaction tees such as cash advance and balance transfer tees - expressed as a percentage. This Statement Is a Facsimile - Not an odglml 0000001 F63733a D a 000 N Z 20 OWWO P.O. l of / owes MAW 00106 26310DODOOD000n 0601 R ooso 10 of 47 Payment Due Dew New Balance Past Due Arnourht Minimum Payrra m ttn4ia 52,/1296 futon f24t.00 Account number: 418581815 1996 7182 . Make your check payable to: CMae Care Services. Please into annount ond"od. Now addross a ?maili Print on bark 41658615198671820002410000277206000000000000009 475V M z OLE L.MILL.LrLLtl.rllraLLr..11rLL..IL.LLrrlL.llrrl CAROLE J ROBI OBINSON 43 COUNTRY VIEW EST CARDMEMBER SERVICE NEWVILLE PA 1 7241-870 6 PO BOX 15153 WILMINGTON DE 18886-5153 1:500016028j: 0 L8 i5 &9867 &8 2 &r O Statement Date: CHASE 06121/06.10120106 g ia.na6e your •«oura onxne: erNw ehs_s mrNaadacrde Minimum Payment: $241.00 Payment Due Dale: 11/14106 AC U SUMMARY Addlderhal contact Inromistfcn Account Number: 4186 6616 1 666 716 conwnisnoy located on roverso a do Previous Balance $2,678.01 Total Credit Line $3 500 Purchases. Cash, Debts 43800 Avaiable Credit , $727 Finance Charges .$54.05 Cash Access Line $700 New Balance 2,772.06 Available for Cash $0 FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you lot using the credit card that erns Pants Earned on Purchases This Period 0 rewards that can be used for travel, gift cards Points Earned Through Chase Rewords Plus 0 , cash, or merchandise. Remember. you can Total Points Forfeited This Period New Total Po nts B l 513 earn ponla q using your Flexible Rewards i ance a 0 credit card for everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card same 1 prim for every $1 you spend on purchases. Earn up 10 an addhlonal 10 pohms while ehoppng oNw* through wwwtchase.C"Owwdaplue Add authorized users. and sign up 10 have your monthly bills charged to your card, too. Why not get rewards fo all those purchases too? Ica that simple. Simply go chase.comhewwas io choose your reward today' Redeem your points anytime, or just check Aa new offers at www.chase conulrowerds. [ACODUNT ACTIVITY Dote of Trsnas1a2a Merchant Name or T a ti D i r nsac on ption escr 10115 LATE FEE ;,Amoypl 3600 FINANCE CHARGES Finance Charge Transaction !Daily Periodic Rate Coreep. Average Daily Due To Fee! Accumulated Categor 30 cla i l A FINANCE y ys n cyc e PR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .06641% 24.24% $2,712.77 $54.05 $0.00 $0.00 $6405 Cash advances V .07463% 27.24% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $54.05 E1feelNe Annual Preantapa Rata (APR): 20.21% Plesse see Information About Your Account section for balance ComgntniOn method, grace period, and other important inlomnalion. The Corresponding APR is the role of interest you pay when you carry a balance on any treroacton category The Etlective APR represents your local %nance charges - including transaction less such as cash advance and balance tranalr lees - expressed as a percentage. 8396695 This Statement Is a Facsimile - Not an original X cirso t«0001 F6333M oat 000 N Z 20 OBROO20 P.O. i of t OssM LAM. 11621 292110000Oe00DiW 0h 12 of 47 Payment Der Dtle New Balance Past Due Amount Minimum Payment 12/16/09 62.066 86 (241 00 5366.110 Accourd r undfia : 4185 8615 1886 7182 Make your cheek paysafe to: Chase Card Services. Pbesewrxe snwetandosod. Now address or o.msi' Print on bade 41658615198671820003660000286886000OOOODD000007 CAR ON 250 eLx 240O0 D BI R IMMtIIlelttLMLl.eI.MIIeMMIMIe..el1M1M1M..Iledtl.eMlinll.Ml CAROLS J 43 COUNTRY VIEW EST NEWVILLE PA 1 7241-870 8 CARPO DMDMEMBEMBER SERVICE Box 15153 WILMINGTON DE 18886.5153 LrMI11o.IrMltLl•rlEMll beLIMMMIiL•MriLM•L•LMILLoII 1:50001,60281: 0 i8 i 5 198 6 7 i8 2 Tee Statement Date: CHASE O 10121/09 - 11/20/09 g llhi your amount omens: wow OAM mrtJ LRU Edl Minimum Payment: $366.00 Payment Due Date: 12115/06 AC NT SUMMARY Addidenel eontses Information Account Number: 4165 8615 /9116 718 con-.-dy located on rovarse lido Previous Balance 52.772.06 Total Credil Line $3 500 Purchases. Cash. Debts +53900 Available Credit . $631 Finance Charges $67.80 Cash Access Line 5700 New Balance 2.868.86 Available for Cash $0 Your credit card account is peat due. Please send paynsm immediately. Call 1-800-955-8030 (tolled 1-302504.8200) today FLEXIBLE REWARDS SUMMARY Previous Palms Balance Poim1, Earned on Purcha in This Period 0 Thank you for using the credit card that earns Points Earned Through Chase Rewards Plus 0 rewards that can be used for travel, got cards, 0 cash, or merchandise. Remember you can New Total Points Balance , 0 earn points by using your Amble Rewards credit card for everyday purchases like groceries, gas, and drugstore purchases Your Chas Flexible Rewards Credit card earns t point for every $1 you spend on purchases. Earn up b an addhional 10 points while shopping online Through www.chase .comhewardeplu6. Add authorized users, end sign up b have your monthly bills charged io Your card, too Why not gel rewards for all those purchases too? ITS that simple. Simply go chass.com irewards to choose your reward lodayP Redeem your points erhytme, or just check out new offers at www.chase comilrewards Date of Transaction Merchant Name or Transa t D i i c on escr pt on 11/15 LATE FEE SS,Ampypl 3000 FINANCE CHARGES Finance Charge Trarsarson Daly Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated Category 31 days in cyde APR Balance Periodic Res Service Charge Fin Charge FINANCE CHARGES Purchases V .06641% 24.24% $2,807.41 $57.80 $000 $0.00 $57 00 Cash advances V .07463% 27.24% $0.00 $0.00 50.00 $0.00 . $0.00 Total finance charges $57.80 E/lec9ve Annual Percentage Rats (APR): 24.24% Plena sus Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rats of interest you pay when you carry a balance on any Irenamon category The Etleative APR rep isems your total finance charges - including transaction fees such as cast advance and balance transfer fees - expressed as a percentage. IMPORTANT NFWS Chose Gill Cards, The Perfect atil Available in any arnoum from $2510 $500 Accepted et millions Of locations worldwide. Order online at chass.comVGtflCardorder or slop by a Chase Brandt today, 8396695 This Statement Is a Facsimile - Not an original 0000001 Fe33M D 13 000 N Z 20 09A IR0 Py 1 .11 07aM MAMA 2a06a 3241 WW13D0028DOW X om 14 of 47 Payment Due Dow New Balance Pest Due Amount Minimum Payment mn4no 32,86573 536600 549200 Accourd number: 418S 8615 1886 7182 lkiw yore Check Payable to: Chase Card Services. Plssso writs sm.1 enclosed. Now address or rmaN V Pnn1 on book . 416586151986718200D4920000296573000000000000003 1 lz I lll l CAROL E OBI hrr r lrlrrl.lrrlrhll.rrl.Irrr,llal.l...llrrlnl.,rllrhllrrl 43 COUNTRY VIEW EST E ST NEWVILLE VILLE PA 17241- 6706 CARDMEMBER SERVICE PO BOX 15153 IrrrllLhrir.LlaLdaa.IILrLLrhIII,.r.ILr.Ir.LrILLr WILMINGTON DE 16686-5153 .II 1:50001,60213e: 0 i8 1,5 i9B67 i8 21a9 Statemenl Date: CHASE O 11/21/69-12/20/09 g Menagellowaecwntonllne: www che.o mMaredecrM Minimum Payment: 5492.00 Payment Due Date: 01/14/10 A"llmol Contact Infemetl ACOO NT SUMMARY Accowl Number: 4186 66/5 1986 Tt convenantly located on reverse title Previous Balance $2,868.86 Total Credit Line $3,500 Purchases, Cash, Debts .530 W Available Credil $634 Finance Charges .567.87 Cash Access Line $700 New Balance 2,965.73 Available for Cash $0 The charge pnwleges on your 0`0011 card account have been revoked. You no longer have the ablky b use your credit card account for purchases We an help you gel back on rack. CBN 1-600-955-8030 (collect 1-302-594.8200) today FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card That owns Perms Earned on Purchases The Period 0 rewards that can be used for Travel, gift Cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Told Points Balance 0 earn points by using your Flexible Rewards credll card for everyday purchases like groanes, gas, and drugstore purchases. Your Chase Flambe Rewards credit card same 1 point for every $1 you spend on purchases. Earn up b an additions 10 points while shopping online through www.chase.comhewerdsous Add authorized users, and sign up 10 have your monthly bills charged to your card, loo. Why not gel rewards for all those purc imse too? Ira that simple. Simply go chase.mm,Yeewds to choose your reward lodayi Redeem your points anytime, or jus check oul new offers al www.chase comhawards. AC UNT AC ITY Date of Transaction Merchant Name or Transaction Deaaintion Amount 12115 LATE FEE 39.00 CHARGES IFINANCE Finance Charge Transaction Defy Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 30 days in cyde APR Balance Periodic Rele Service Charge Fin Charge CHARGES Purchases V 06641% 24 24% $2,904.48 $67.67 $000 $0.00 $67.87 Cash advances V .07463% 27.24% 50.00 $0.00 $0.00 $0.00 50.00 Total finance charges $57.87 Effective Annual Percentage Row (APR): 21.24% Plesse see Intonnalion About Your Account seclion for balance compuleNion method, grace period, and other imponanl inlorrnailon. The Corresponding APR is the role of Inferos you pay when you carry a balance on any tranaection category. The Effective APR represents your told finance charges - including lrnsactbn less such as ash advance and balance render lees - expressed as a percentage. 8396695 This Statement Is a Facsimile - Not an original 1C ? F633=05 000 h z 20 Oe/12R0 vp.1 bit MGM MAMA 15=4 3541 00000110M 5M01 16 of 47 Payment Due Gets New Balance Past Due Amount Mlnlmum Payment 02/14/}0 53,066 58 5492 DO $823.00 AtxouM ra2ntber: 4165 88151686 7182 ,w wile yoNr ak.ok pey¦ae t0: YW Chase cw savices. Please wrae amount enclosed Now address or email Pmt on back 4185861519867182DD0623DOOD306658ODDDODDOODDODD1 15700m 2 03010 D CAROLE J ROBINSON 43 COUNTRY VIEW EST NEWVILLE PA 17241-8706 (1x1111111111x111.1L111111111.1r1111LI..rIL11.1.11111r111.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001,6028t: 0 L8 L 5 L 98 6 7 i8 2 1,g' Statement Date: CHASE 0 12/21/09 - 01/20110 manage yaw amountonline: WMW Cn Lae mrNnodifer ds 1Wnlmum Payment: $823.00 Payment Due Dais: 02J14/10 [ACCOUNT SUMMARY 4"t a ail contact Information Account Number: 41 as 66 15 1888 711821 con-anty zead on remorse aids Previous Balance $2,965.73 Total Credo Line $3 500 Purchases. Cash, Debits 4539 00 Availabe Credit , $433 Finance Charges 461 .8S Cash Access Line $700 New Balance 3,066.56 Avatabie for Cash 50 You haven'! made fie required payments and your credo card account is 9o days past due. Ae a result, your credit bureau may be updated wilh a negative rating. Please send your payment Immediately or Call us at 1-800-955-8030 (collect 1302-5948200) today. FLEX! LE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the C Sdil card fist earn, Points Earned on Purchases This Period 0 rewards that can be Load for travel, gin cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise Remember, you can Now Total Points Balance 0 earn points by using your Flexible Rewards credit card for everyday purchmse like grocanes, gas, and drugstore purchases. Your Chase FlevIble Rewards credit card some 1 point for every $1 you spend on purchases. Earn up to an additional to points wttile Wopping online through tww.dnse.comkewardsous. Add authorized users, and sign up to have your monthly bills charged to your card,too. Why not get rewards tar all those purchases too? ors that simple. Simply go chase. comkewards io choose your reward today' Redeem you points anytime, or jual check out new offers al www.chase comkewards. ACCOUNT ACTIVITY Date o1 Transaction Merchant Name or T ti D i ransac on escr ption 01/14 LATE FEE I Amount IN 39 00 [F ANCE CHARGES Finance Charge Transaction Deily Periodic Rate Correep Average Daily Due To Fee/ Accrrnxlated Category 31 days in cycle APR Balance Periodic Rate Service Char e F Ch FINANCE g n arge Purchases V 066419E 2424% 53,004.26 $61.85 So 00 $0.00 CHARGES $61 85 Cash advances V 07463% 27.24% $0.00 So.oo soloo So.oo . $0.0o Total inenca Charges $61 66 EthmlWe Annual Peresnlos" Rats (APR): 24.24% Pl6aae see Information About Your Account section fo balance compularion method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category . The Ettecave APR represents your total finance charges - including transaction fees such as cash advance and balance Yanaler fees - expressed as a percentage. IMPORTANT NEWS Try TurboTax Free Edition for your simple return a Get a 35 percent Discount on TurboTax Online Federal Products, wail chose. com7faxes 8396695 This Statement Is a FacslnUle - Not an original 0000001 FI6033ae D 10 000 N z 20 10001R0 Palatial M696 MAMA 15769 02010000100001570001 x 0060 18 of 47 Payment Due Data New Balance Past Due Amount Minimum Payment 03/17M0 63,18458 262300 5773.00 Account rnnnber: 41185 6615 IM 7182 . Make yew oheok payable to: Chase Card Services. Please wree amount enclosed. New addrsas or o-msil? Print on back 416586151986718200077300003184880000000DODOO001 aL)tZ 05 to D I Irrrlllrlrrlrrlrl.rlrrllr.rl.Irkrrll.l.l...llkrirl.rrllkrll..l CAR AROLS J ROBVIEW E 43 COUNTRY VIEW EST CARDMEMBER SERVICE NEWVILLE PA 17241-8706 PO BOX 15153 WILMINGTON DE 18856-5153 L.rIllrrrlrrLLLrl.rrllLrLlrrrllLrrrllrr.L.Ir.ILLrrll 1:5000 L60 2BI: O i8 L519867 i8 2 Lea CHASE O aYnage your account worm: Additional coffied information www.ause co"crodacards conveniently located on reverse ode ACCOUNT SUMMARY Account Number: 4195 551 5 1996 7152 Previous Balance $3,06658 Fees Charged 439.00 Interest Che ges .675.30 New Balance $3.184.88 Opervng/Closmg Date 01/21/10-02/2D/10 Total Credit Une 63,500 Avoilatle Credit $315 Cash Access Line $700 Available for Cash $0 PAYMENT INFORMATION New Balance 63,18418 Payment Due Dale 03/17/10 Minimum Payment Due s773.00 LaN Payment Warning: It we do not receive your minimum payment by the dale haled above, you may have 10 pay up to a $39.00 Isle tae and your APRs will be subject to increase to a maximum Penally APR of 29 99% Minimum Payment Warning: 11 you make only the minmum payment each period, you will pay more in interest and it wig take you longer to pay oft your balance. For example It you make no You will pay oil Arid you wiN end up additional charges the balance paying an estimated total using this card and shown on Irma ol... each momh you statement in pay about.. Only the minimum 25 years $10,767.00 payment $136.00 3 years $4,890.00 (Savings-66,677.00) If You would like iniormaton about credit counseling services, call 1-868.797-2885. h's not too WOW resolve the outstanding balance on your credit card account. We have a variety of payment options that Maybe right tot you. Call 1-888.792-7547 (collect 1-302-594-8200) today. FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for lravel, ilia cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn polls by using your Flexible Rewards credit card for everyday purchases like groceries, gas, and dnlgslore purchases. Your Chase Flexibe Rewards credit card earns 1 point for every $1 you spend on purchases. Earn up to an additional 10 points white shopping onions, through www.chse.comASwardsplus Add authorized users, and sign up to hove your monthly bile charged to Your card, too. Why not gel ravwrds for all those purchases too? Ira Bhat s mple. Simply go chase.cornhewards to choose your reward today' Redeem your points arhytime, or just check out knew offers at www.chaeecoMrawards. ACCOUNT ACTIVITY Dote of Transaction Merchant Name or Trnesction Description $ Amount 02114 LATE FEE • •••• 3900 TOTAL FEES FOR THIS PERIOD $3900 02% •• ' ••• ••? 19 PURCHASE 'INTEREST CHARGE' 7D 30 TOTAL INTEREST FOR THIS PERIOD $7B 30 Total tees charged in 201 C $39.00 Total hnlaresl chided M 2010 $70.30 8396695 L01-12.10-doll" loll a regain all charges mine any rehnds applied to YOur eoaoum on or star January 31, 2010. This Statement Is a Facsimile - Not an miglnal Dommt Fle"M D e 000 N Z 20 104000 Poll. h It 2 05M u4 MA 742W OW 000000ocw42eom x (4110141111"" 20 of 47 slaiemenl Dale 01/21/10-02/20/10 Account Number 4185 8615 1986 7182 Page 2 of 2 [INTEREST CHARGES Your Annual Peccentage Re% (APR) is the annual intereal role on your scooult. Annual Balance Accrued Balance Percentage Rata (APR) Subject To Interval Interval Type 31 Day.ln Cyde InterevI Rate Charges Charges Purchases 29 99% (V) $3.11350 $7930 $000 Cash Advances 20,99%(V) $0.00 $0.00 $0.00 (v) - Vanade Rate Please aes Inlormaeon About Your Account section for the Calculation of Balance Su4sci to Interval Rate, Annual Renewal Notice Flow to Avoid Interest on Purchases, and oiler imponam inlomlelion, as appicable 8396695 This Statement Is a Facsknlle - Not an original X WDOWr F1833335 DO ODD N 2 20 IWM20 P49*242 050H MAMA 74230 05MODOD0eWW42.0D2 22 of 47 Payment Due Dale New Balance Past Due Amount Minimum Payment ammo S3,z9e oe $n3 00 $at e.oo AccOlsrd rwmbw: 4185 8615 1988 7182 Make you check payable to: WM Chase Card Services. PIssso write amount anclosed. Now address a rmaeli Print on back 4185861519867182000919000032980900000000DOOODOD 123.0m z070100 L.JIIrLrLJrLd.JLrdd.rrrlLLLnIL.LLrrILJL.I CAROLE J ROBINSON 43 COUNTRY VIEW EST CAROMEMBER SERVICE NEWVILLE PA 17241-5706 PO BOX 15153 WILMINGTON DE 19886-5153 9:50001,60213e: D i8 L 5 198 6 7 48 2 ia- CHASE O 8 Msnageyour account mane: Additional contact Information were chma oorNCrodieards convorwmdy located - rov r- ode ACCOUNT SUMMARY Account Number: 4195 6615 1 966 7162 Previous Balance $3,184,88 Fees Charged +539.00 Interest Charged .$74.21 New Balance $3.296.00 Opening/Cloeng Date 02/21/10. 03120110 Total Crean Line $3,500 Amiable Credit $201 Cash Access Line 11700 AvefIsble for Cash $o PAYMENT INFORMATION New Balance :3,298.09 Payment Due Date D4/17/10 Minimum Payment Due $919.00 Late Payment Waning: II we do not receive your minimum Payment by the date bated above, you may have to pay up 10 a $3900 Isle fee rid your APRs will be subject to increase to a mrcimum Penalty APR of 29 99% Minimum Payment Warning: d you make only the minimum Payment each period, you will pay more in interest and it wig take you longer to pay off your balance. For example. If you make no You will pay on the Anti you will end up additional charges balance shown on paying an estimated using this card and this Statement in 10181 of . each month you about.. pay. Only the minimum 25 years $11,196 payment If you Would like information about credt counseling services, call 1-866-797-2685 You haven9 made the required payments and your credit card account is 15o days post due. You can still turn trwngs around. Cell u6 today at 1-086-792-7547 (collect 1-302-694.8200) 50 that We can lind 8 solution for your BilUal on. IFLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for Using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards Points Earned Through Chase Rewards Plus , 0 cash, or merchandise. Remember you can New Total Points Balance , 0 esrn polls by using your Fli able Rewards credit card for everyday purchases like groceries, gee, and drugstore purchases Your Chase Flexible Rewards credit card Sams 1 point for every $1 you spend on purchases. Earn up to an additional 10 points while ahoppng mkne lhmugh www chase comdewardsplus Add authorized users, and sign up to have your monthly bills charged to your card, loo. Why not get rewards for all those purchases too? ITs that simple. Simply go chose.comkowards to choose your reward today' Redeem your points anytime, or just check out new otters at www.chose convyewards. Total lees charged in 2010 $78.00 Total interest charged in 2010 $153.51 Year-lo-dole totals reflect al charges aims any refunds applied to your account on or shot January 31, 2010. 8396695 This Statement Is a Facsimile - Not an original 0000001 FIs3033S 0/3 000 N 2 20 1Q%Q0 Poet d2 05600 MAW B5340 0781mmi3com53x001 X Dose 24 of 47 Slelemenl Dale 02x21110 - 03x20/10 Account Nurnber: 4185 $615 1986 7182 Page 2 012 INTEREST CHARGES Your Annual Percentage Rate (APR) is the amual interest rote on your account Annual Balance Accrusd Balance PercenLge Rate(APR) Bu4e0T9 Interest Interest Type 28 Days In Cycl Interval Rate Charges Charges Purchases 29.90%(V) $3,22603 $7421 $000 Cash Advances 29.98%(V) $0.00 $0,00 $0.00 (V) s Venable Rete Please see Inbmreluon About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Nonce, Now 10 Avoid Intereat on Purchases, and other important irllonnation, as applicable 8396695 This Statenwnt Is a Facsimile - Not an original X oaoocor FlaasxMDts 000 N Z 20 IWOWM Pw2u2 oame MAIM maw 07e100omsmosm"m 26 of 47 Psymarrt Der Date Now Balance Pail Due Anhounl Mlr9murn Payreeni 06717810 53,422.23 $919.00 51,W700 AoQoounl tyuttbar:111N #0151### 71#2 W Maie Yehr check Payable to: chavscard 9erafaea. Piasewrim arrant enclosed. New address or a-mil? Print on beak . 4165861519667182001077000034222300DOOODOODO0009 30aaaR z rh moo Lr. 116Ld..LL.LdLoLLo.ILLL..IL.L CAROLE J ROBINSON 43 COUNTRY VIEW EST CARDMEMBER SERVICE NEWVILLE PA 17241.11708 PO BOX 15153 WILMINGTON DE 19965-5153 I...MIL.J..L6lu1..1111.ILIn.I11....I ...L.I..ll.6n11 1:5000 i60 281: O i8 1,5 19867 i8 2 ill' CHASEO g Manage your account ardlne: Marlow caasel sdwmahen IISOY.!>?, cmv -t" located on reverse dda ACCOUNT SUMMARY Axourt Number: 410961519967'162 Previous Balance $3,299.09 Fees Charged +539.00 Interest Charged +596.14 New Balance $3.422.23 Openlracbsing Date 0381110. 04RUr10 Total Credit Une $3,600 Availstle Credit $77 Cash Arno Line $700 Ayeilckle for Can so PAYMENT INFORMATION New Balance $3.422.23 Paymert Due Dole OSM7110 Minimum Payment Due $1,077.00 Latin Payment Warning: 11 we do not receive your mrwmum payment by the d9a feted above, you may have to pay up to s $39.00 le` toe and you APRs will be autism to Increase 10 s rraxirsm Penahy APR of 29497.. M1 Imum Payment Warning; If you make only the minimum psynwrrl each period. you will pay more In Imreat and It will take you longer 10 pay an your balance. For exempt. If you malty no You will pay of the And you will and up additional charges balance shown n paying in estimated using rile card and this elalenhal t In 10181 of... each month you about... pay. . Only the mininxfn 29 yews $11.592 payment If you would like Information about credit counseling swvicn, call 1-856.797.2086. The outwandng balnce on you credit cord account Is scheduled 10 be written of o • bed detlt shorty. As • mum. your credit bureau will be updated with • negative rating that could leat for up to seven years. We con still help but you need b col us now at 1-Bea-792-7547(coled 1.302-694-8200). [FLEXIBLE REWARDS SUMMARY I Previous Palms Balance 0 Thank you for using the credit card that same Points Earned an purchases, This Period 0 rewards, that stn be used for travel, gift cords, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Romenlber, you can Now Tots! Points Balance 0 Gem points by using you RemiNe Rewards credit card for everyday purchases like groceries, pea, and drugstore purchases. Your Chase Reside Rawsrds credit card eams 1 point for every $1 you spend on purchases. Earn up b in additional 10 points while shopping online, through Www.dhase.Camlyewrdspus. Add authorized users, and sign tap to have your monrily bills charged to your card, b0. Why not gel rewards for all those purchases too? ITS thal simple. Smply go dhaw.oDmIrewards to choose your reward todayl Redeem you points anytime, or just checle out new offers at www.ehsse.eomAswards. A NT ACTWMY Date of Transaction Merchant Name or Trarna wri Deec pion 5 Amount i' '\\\ \ J:. \?.. y....,'}h v1+d.?d,vh?AA .... ... .........\\?:2:,,?•. \.. 4.v'n, •,.•,.\.,'...2hi::»»Ch::?'+ix<>.++.' . •yy?y ?: w.,; ti:::>;;::#:?^;?if;Y•?:b`'•'•3i:?ti:f3?S:CR: :'.sS :i 04x111:: :: ?v. •4[[^•,.,,,,,,.\•',„:,..a.,..,,..,,..,,;,...,..:..,,.y,..,a,,.,,,,,,,,,,,,,,,,,.,,.,.:#.;,: U1TE F E TOTAL FEES FOR THIS PERIOD $39.00 '0412"0:' 'ii;C2ri 4\iv •::?`h.`NT KAC2•'fi+',?.,. :.•....`. .•...•.`>'ti \C,ti^; '{:ii;::i;:\+h:L::<:R;>.4,+,J'.::tY; :': <:.'''.'. 85 PE INTEREST CHARGE seals TOTAL INTEREST FOR THIS PERIOD $8514 Toter 10" charged in 2010 $117.00 Total inlet" Charged in 2010 $278.66 Year4o-date totals rellecl as c3hrges rtenue any refunds appMed 10 your account on or alter January 31. 2010. 8396695 This Statement Is a Facsimile - Not an original 00 OOpp1 F1933MDe app N z 20 IaA.Qo P.p.1r2 GNU .WW ? 11 m000DMOaaa.z.01 X 0050 2of5 aurtrnera Dais: 03121110. 04120110 Aceourh Number: 4186 6616 1866 7182 Page 2 of 2 Your Annual Poems age Rate (APR) is the annul inlerow raft on your account Annual Balance Accrued Balance PeranLBa Rift (APR) Bubleet To lhIN at inoreet Type 31 Days In Cycle in/raal Rata Charges ChrW PurdrW 28.96%(v) $3.312,63 SM.14 {0.00 Cash Advances 29.99%(v) $D.00 $D.00 $0.00 (v) . Variable Rate Places ace Intonilabon About Your Account a"on tot"Calculation of Balance B114sct to InWW Role, Annual Renewal Notice How to Avoid Interest on Purchases, and other irtponent irdommion. me applicable. 8396695 This Statefinent Is a Facsimile - Not an odgkml X OOOOOM RMW&De 000 N Z 20 IOOWN PW202 0518 W W 301a 1101000WY00WW1902 4 of 5 Payment Due Dab New Balance Past Due Amount Illlninhu n Payment 06117/10 $3,422.23 $81000 $1,077.00 Acco>,ml number: 4185 8615 1g66 7182 r* ? AAslte your she rv eyeWs to: YW. cn.ae Card Services. Please write errwint enclosed. New address or wm@09 Print on back -7 41858615198671820010770000342223000000DD0000009 L ROBI CAAROROLES J RO Irrr11111rrIkrll1.ll.rllr.llr1.rr1111111..111r11.1.11111111r11 V 43 COUNTRY VIEW EW EST NEWVILLE PA 17241-0706 CARDMEMBER SERVICE PO BOX 15153 Inrlllnrlnlllkiull.rl?IulrInlll?nnllnll uIMIi1?u WILMINGTON DE 19886-5153 111 1:5000 L60 281: OWL 5 198 6 7 18 2 11r CHASE O B AYrhsge your accountonion: Additional conted Information waw.dhe , COW-dilig-s conveniently located on reverse oils ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4185 66151986 7182 Now Balance $3,422.23 Previous Balance $3.29809 Payment Due Dale 06/17/10 Fees Charged +S3900 Mirvmum Payment Due $1.077.00 Interest Charged 485.14 New Balance $3.422.23 Opening/Closing Date 0312 V 10 - 0412 0110 Total Credit Line $3.500 Available Credit $77 Cash Access Line $700 Available for Cash $0 Late Payment Warning: If we do not receive your minimum payment by the data t5*0 above, you may have io pay up to e $39.00 late tee end your APRs will be sutlecl fo Increase to a maximum Penalty APR of 29 99% eAlnimum Payment Warning: 11 you make only the nunmum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you make no VW will pay 011 the And you will end up adddlional charges balance shown on paying an estimated Usig this card and this statement in total of each month you about... pay Only the minimum 26 years $11,562 payment h you would like Information about credit counseling services, call 1-866-797-2885 The outstanding balance on your credit card accountis scheduled 10 be written o8 8e a bad debt Shortly. As a result, your credit bureau will be updoled wilh a negative relirg that could last for up to seven years. We can grill help, but you need to call us now at 1-888-792.7647(00100 1.302-5948200). FLEXIBLE REWARDS SUMMARY Previous Points Balance Points Earned on Purchases This Period 0 Thank you for using the crsdt card that earns 0 Points Earned Through Chase Rewards Plus rewards that can be usedi for travel, gift cards, 0 cash, or merchandise. Remember you can New Total Points Balance , 0 earn points by using your Flexible Rewards credit card for everyday Purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns 1 point for every $1 you spend on purchases. Earn up to an adddlonel 10 points wtsle s hoppng eNina through www.chose.canRewardsota Add authorized users, and sign up lo have your monthly bills charged to your card, too. Why not gel rewards for all those purchases too? Ito that simple. Simply go chaae.comhewards to choose reward today! Redeem your pants enytane. or just check oul new otters at www.chasecomhOwards. Your T0181 fees charged in 2010 $117,00 Told intereal dhar in 2010 $238.65 Year -to•dale totals reflect all charges minus any refunds 8396695 applied to your account on or after January 31. 2010. This Statement Is a Facsimile - Not an original 0000001 F1a2933s Da 000 N Z 20 109140 Plot/ d2 OWN MA rho 30123 1 t a 00000e0011304WO, X Woo 28 of 47 Statement Date 03121/10 - 04/20/10 Account Number: 4185 6615 1868 7182 Page 2 of 2 IINTEREST CHARGES You Annual Percentage Rate (APR) is the annual interest rule on your account. Annual Balance Accrued Be' once Percentage Role (APR) Subied To Incest Interest Type 31 Days In Cyde IMereat Rate Charges Charges Purchases 29 90% (v) $3.342.93 $85 14 $000 Cash Advances 2999%(V) $0.oO $0.00 $0.00 (v) - Variable Rate Please see Inbrmhnion About Your Account section for the Calculation 01 Balance 3ut(ec to Interest Rate, Annual Renewal Nol,ce How to Avoid Interest on Purchases, and other important information, as applicable 8396695 This Statement Is a Facsimile - Not an original x om" RG&M9 Do 000 N Z 20 1 WOV20 ?yr 2 d Z 0500 MAMA SUM 110100000e00ppp21302 30 of 47 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on ISM day of ua_r-_, 2011 upon the following: Carole J. Robinson 43 Country View Est Newville, Pa 17241 By: Matthew D. Urban, Esquire PA ID# 90963 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8396695 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, NA, Plaintiff, vs. CAROLE J ROBINSON, Defendant. Case No.: 10-6069-CIVIL TERM ORDER OF COURT AND NOW, to-wit, this day of , 2011, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $3,422.23 with interest at the rate of 6.00% per annum from September 10, 2010, plus attorneys' fees of $300.00, and costs. BY THE COURT J. WWR# 8396695 4 FILED-OFFICE (IF THE PROTHONOTARY 2011 APR I I PM 12: 26 CUMBERLAND COUNTY IN THE COURT OF COMMON PLEAS OF CUPI?%L?TOK)UNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, NA, Plaintiff, vs. CAROLE J ROBINSON, Defendant. CIVIL DIVISION NO. 1048969-CIVIL TERM TYPE OF PLEADING: PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8396695 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CIVIL DIVISION CHASE BANK USA, NA, Plaintiff vs. CAROLE J ROBINSON, Defendant NO. 10-8069-CIVIL TERM PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to withdraw the Motion for Summary Judgment on the above referenced case number. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T. Molczan, Eire PA ID # 47437 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8396695 CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe to Withdraw Motion for Summary Judgment was served by U. S. Mail, postage prepaid, this _J?)Tday of, 2011 upon the following: Carole J. Robinson 43 Country View Est. Newville, PA 17241 By: William T. Molczan, uire PA ID # 47437 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: William T. Molczan I.D. No. 47437 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 8396695 CHASE BANK USA, N.A. VS. CAROLE J ROBINSON FILED `. THE 2011 MAY -9 PM CUMBERLAND C06j.; .. . Attorney for Plaintiff(s) Cumberland County Court of Common Pleas No.: 10-6069 CIVIL TERM PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. (/? fAr By William T. Molczan, E ire Attorney for Plaintiff 111111111111lilt 111111111111111101111111111111111111111111111111111