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HomeMy WebLinkAbout10-6279Payment Due Date New Balance Past Due Amount Minimum Payment 07/02/10 S18,647.00 St.638.00 $2,211.00 Account number: 5401 6830 1346 2238 ` Make your check payable to: (y~/ Chase Card Services. Please wrde amount enclosed. New adtlress or e-mail? Pn nt on back. 540168301346223600221100018647000000000D0000004 ' 1583 aEX 9 15610 7 PAULA J FENERTY 648 BRISBAIN LN ENOLA PA 17025-1553 Lrrlllrrrlllr.rrrLl,IrLrrJlrlrlr,I,Lrrllrrir,IlrJJ,LrI Irrrlllrltrlttlrlrrlrrllrrrltlrtrrllrlrlrrrllr,Irlrrrllrrll,rl CARDMEMBER SERVICE PO BOX 15153 WtLMiNGTON DE 1 9886-5 7 53 t: 5000 L 60 281: 209 30 ~ 3 ~.6 2 2 36 711• CHASEFREEDOM® D Manage your xcounl online: Additional contact information www.chase.rom2reducards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 5401 8830 1346 2236 Previous Balance S18,259.83 Fees Charged +539 00 Interest Charged +5348.17 New Balance 518,647.00 OpeninglGlosing Date OS/Ofi/10 - 06105J10 Total Credit Line S17.900 Available Credit SO Cash Access Lina 517,900 Available for Cash 50 PAYMENT INFORMATION New Balance S18,647.00 Payment Due Date 07/02/10 Minimum Payment Due 52.211.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a 339.00 late Fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99 % . Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For exampfe~ If you make no You will pay off the And you will entl up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about.. Pay... Only the minimum 38 years 552,718 payment 5716 3 years 525,790 (Savings=526,928) tf you would like information about Credit counseling services, ca71 1-86fi-797-2865. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. Irnportanl Message. You Are Overlimil! Your statement balance exceeds your credit line. You should make a payment that inrludes the overlimit amount to bring the balance under your credit line. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance 50.00 Rewards earned on purchases 50.00 Bonus rewards from Ultimate Rewards Travel 50.00 Bonus revrards earned at Ultimate Rewards Mall 50.00 Rewards unavailable for redemption 3127.98 Current rewards balance 50.00 Vour Chase Freedom credit card allows you to earn Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash hack on ALL of your purchases with ongoing opportunities to earn even more! Earn up loan additional 10 % cash hack when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, (ravel or merchandise. To redeem. go online at www.chase.com/ultimaterewards or call us al (800) 610-5076. ACCOUNT ACTIVITY Date of Transaction Mercbanl Narne or Transaction Description S Amount - - FEL°S GNAR6ED C6/02 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST GHARGBD C6/04 PURCHASE INTEREST CHARGE C6/04 PURCHASE INTEREST CHARGE 06/04 CASH ADVANCE INTEREST CHARGE 8616492 TOTAL INTEREST FOR THIS PERIOD 39.00 539.00 10 345.48 2.59 5348.17 exHisir 0000001 x1533330 rJ 13 000 v 9 OS 10~06r05 Page 1 or2 05686 tfA l1A 11583 155'00001300011$f1301 ~ K 04221N511610 Address Change Reyuesl Please provide information below only if the address inforrnalion on front is incorrect. Street Address: -~----------------------- City - -------------- Slate' -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---_ E-mail Address: --_----------------------- -- 8616492 L To contact us regarding your account: By Telephone: ® In U.S. 1-800-945-2000 7 I~I V"V Espanol 1-88846-3308 TDD 1-800-955-8060 Send Inquiries to: Mafl Payments to: Visit Our Website: Pay oy phonel-SOO~A36-7958 P.O. box 15296 P.O. Uox 15153 wwev.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 IMOrmMlon ADOat Your Aamunl Cndltlnq d fOymenls: Yuu iwy make Payments by airy of the optbm, Infect bebw. The amount of your payment should ce at least your minimum payment dtn, payahk In U.S. dollars and down or payade through a U.S, lirmnzial insldulion or Iht U.S. branch of a loreipnflnanClal iretitutbn. You may make pnymant by regular U.S. nail. Send yorx payrnenl to tM Paymtnt address shown on this stakmem. Your DDY~nems by mail mast compry'wrh the instructbns en this statemzm. Oo not send zash. Write Fur Axount number on yon ahxk ar money order. Paymems must De acxnpanled by the DaY'nan[ coupon in the anvekDe prpvided weh our address vlsiole Through the envelope wlnoovr, the enwbpe cannot contain more Ifan one payment or coupon; and Thera can be no stables, paper cliDS, tape or correspondence Inclyded wkh your paymem. N your paymem k in aaordaxe •wtth our payment ilastructions antl is made availahk to us on arc/ coy by 5:00 D.m. boat tkne al our Payments address on this sttement. we will credN 1M Daymert to your RccouM as al tAat cey. II your payment is in axomarrce with out payment imrtrucllons, Dul is node availabbto us odor 5:00 D_m. local time al the Payments address en thk statemem, we will crodh h to your ACCOUm as of the Twit calendar day You may make payments ekrdronkalN Through ourwebstte shown on this sntemeM. If we rxeivz your rnmplzted request on our •,vzbsitz by 5 D.m. Easkrn Time, we will cr~ll your payment as of that day If we receive your request after 5 p.m. Eastern Tkne, wa will credit your payment as d me iced cekndar day. If you spec'rfy a fNure date In your request we will credd your Dayment as of that day. fhe same periodic rates. VartaDk rates will vary •.rAh the market based on IM Prime Rate jar Such index descnbetl h your Account Agreement). There's a minimam interest Charge el $1.50 (a such amoum desc•ibed In your Accpum Agrcememl in any billing cycle in which you owe any periodic interestchzrpes, xnd a Innsadion fce for each baance transler, cash atlvanre, or check tronsadlpnan the amoums stated in your AxountAgreemaM, as A may be amended. There is aforeign tnrcactbn foe ol3°4 d the U,S. do Nu anent of any lorelgn tnnsacllon (or such amount desedbed In your Accaum Ap•eemeM). How to 0.wid Paying Interest on Purchases: Wa hegira assessing periodic inkrast charges on a tnnsambn, lee, or irhrasl charpe'rom the data rt is added tc your dairy hakrme omit yaw ACCOnm s paid n ful, as described let your AtCqum Agreement. Vpur due date will De a minknun of 21 days following the close o1 each billing cycle. Vou can awb penodk imerest charges or new Damhasas when they am fleet billed ro a statenaant as described hebw. bN this does not apory to baance hareferc. cash advancesor everdrafl advances. 'n you raceivea eurtem monthlyda;emeMthat lrcludes nary pumfel5es antl makka DaymeM that we receive Ay the date aMtlme the Minimum Paymem Is due for that statement, we unit not Charge periodk Interest on any DoNon of tMSe now Durchases that we allocate such payment lo, so long as 1) your curtent statemem also sMv;s that we received payment of the ending halance Myour previoa4 month's stakmem by the date arM time Its Minimum PaVmem was due OR 2) that tM ending balance for yar prevrous month's stalartlem was zero. II you have a balaroe o[ner than a purohase balance and tAat balance conies a hip Mr p«btllc Immen rate, you may rid be able to awid periodk mmerest chrges on new purchases'rf you do not pay your halance b full each mpmh, heatrse we gercraly allocate payments lint to the balance wah the highest Denodic Interest rate. For ab. other payments or for any payrnem type above for •.rhkh you tlo not follow our Wql To Bo II You TMnA Yal Flnd A Mlshln On YDar Skhmam payment inslnidipns, crediting of your payments may he delayed far up to 5 days. Aaorml Inlarmellpn Raponntl b Ctstlll Bureaus: We rrry report inlormatlon about your Account to credit hureaus. Lots DDYments. missed Daymems or dher default on your Account mry Da rotlxted in your crxA abort. If you think we have roponed inaccurate irdorntadon to a tracts bureau. ypu may urea to us at the Irpuirice address stpwn on this .statemem. Nolln ADOUt Fladronk CAaDk Conwnlan: When yxu pay by check. you autMrim us either tp use Informatbn fmm your check lomake a erne-tkne electronk luntl transfer from your uu~d ur lu praress the payrnenl asacleck hansacliuu. Wlwn we use infonnatbnlrum your check to make an ekctronk fund transfer turrds may ba wdhdrawn from your account as soon as the same day wt rceive your payment, and you will not rxeive your check Dark Iron your flnaroial Instltmion. Callthe Custome• Service numher on tole statement if you Aavt questions aboN ekclronk check coledlpn or tlp iu[ want your paymenh :olkckd elxtronicallq. Candtiorrel Peymantr: Any peymem check pr other term of payment that you 9entl us for less than fns lull balanx due that is maned'Daid In fop" cr contains a slmlkr notation, or That rou olhenvka tender In fNl saliskction of a dkpdetl ameuM, Tool hs sem to Card Snrvicus, P. f,. Boa 15049, Wimirglon: DE 15850-5049. We reserve all our rights regarding Itxse DaY~nts (e.p.. 'rf A Is determined Mere b rc aald dkDrae or h any such r.Axk Is rxahad al anyalher address wa may atceDt:he check and you will still owe any remeidnq baance}. We Trey refuse to accept arty sink paymem by returning n to you, not pshing it pr destroylnp tt. All olAer payments that you mace should Da sem to the regWar PaynlaM address shown m this statemem. Annual Ranarel Nolla: If your Accoum Agreement has an annual nnembership toe and• or similar charge for tsuarnce or aeailahilhy of your attain, It wal be biNad each year or in monthly or quanerty installments. This lee andor charge are owed whethm or rrt you use your Axount ant you agree to Day them. when billed. Tha annual fee and charge am r-relmdable oaken you notify us that ypu wsh to cbsa your accoum wAkn 30 days or one hNlinp cycle (whicAever Ia less) otter we Drpvide LM statemem on wnkh the annual fan pr charge is oillztl antl a[ 1M same time, you pay you outstanding Oalance In toll. II you do this, for a charge billed more often than annually such as a Toothy servke charge, you will not owe the lest hlNetl charge, hoevever, prior billed chuges aro non-refuntlabk and must ha paid as Dan of paying your outsnrxling baknca In lull. Your payment of the annual lee or charge does rot affect our rights to cbsa your Account antl to Ilms your ripM to make transitions on ypur Account If your Account Is clpsad by ypu or us, we will conllrue to ImDOSe Ins annual Ise antl,'or Charge uMl you pay ypur oNSlantlinp haknca In lull antl termirale yon Account relatbnship, Cakulatlon DI Balanw subpel b Inland Rob: To 11quro your perbdc interest charge for cach billing cycle when a dais periodic retP(sJ apPlica, we use me dais balance method rincludinq curtent IransadionsJ. To Iqure yew padMlc intaresl charges for each billing cycle when a monthly parodic ~ak(sl applies, we ass the average miy bakurce method lincluding torten Imnsadlans). For an ecplanatbn d either method, or questbrrs about a partkuhr merest charge aloulatbn qn your staltmeM, please call us at the tea frte epmplner aeNCO p'bM fX1lnhBr listed dLUVe. We calculate perbtlic interest pharges, using the apDlicabk perbtlic rates Shawn on this stakrned, separately for cach featum (e. g., hakrce Irarsler decks and csh advance checks 1'check transad'lon'), purchases. halance Iranian, Cash advances, promotbnal Dakotas or oveMrak advanced. These calculatkns may comhirx tlilferoM categories wino If you mink mere is an error on your slalemem. write to us on a sepaMe sheet al Customer Sarvke, P.0. Box 15299 Wilmington, OE 19850.5299: In your letter, yive us Ilm lulluwinp inlanpliun: • Auomt IMO•mallon: Your name and Accprnt numhar • DPllpr amount: The tlolkr emoum of the suspedetl «ror. • Oescrlptlond Problem:lt you thinktharo is an error on your bill. tlescrihe what you helieva is wrong and wAy you belkve n Is a mistake. You must comact re r+ithin ri0 days afterlM error apDaared on your sktement. You must nobly ue of ant DMentel errors in wrainp. You may callus, but p you tlo we are rot regWred to nvastlgate am/ pokmlal ertom and you may have to Day Ina amount in question While wa invostigak whether or rot there has been an error. [he fdbwin9 are trust • Wecannol try to collect the amount in queston, «report yrou as delirpuent en that amozd. • the charge in question may remain on Wur statement. ono we may continue to charge you merest on that amount. Bul, if we tletermine that we made a mktke, you will not have to Day me amount in questbn or arty Interest or other tees rolatec to loaf amount. • While you tlp rapt have to Day the amount In questbn, you are responsble far the remalyder of your galena. • Wecan epDly any unpaid amount against yov cretld llmA, Your RlgAlt 11 You Aro Olssetlstlsd Wltl Yoar Cntlll Cab Pumkatas If ypu are tllssetimietl whh the goods or services that you ieve DucAasetl with yput Credit card, and you have trkd b good IaAh to correct Iha problem wAh the merchant, you inay have the right not to pay the remxininp amount due en the purchase. To use This nghL all d the'ogowiag must he tine: 1. The purchase mist nave keen made In your home State or within 100 miles of your aereM rnalliag address, znd the purchase pdce mt5t have bean more Than $50. (Note: Nekher of these an necessary if your purchase was Oasetl on an adveresemem we maibd Po you, or if we own tAe company That sold you tM goods cr servkes.l 2. You must haw used you' credo card for the purchase. Purchases tootle with ash advances fmm an ATIA or wkh a check that accesses your credA card Ameum do not qualify. 3, You must not yet havefulry paid for [ne Durchase If all d ttne criteria above am met and you aro stAl dissadsfled wtth tM purchase, comact us in writing at Customer Service, Y.O. 80.15299 Wilmington, Ut 19S511-5299: While we Insastlgala, the saran rules appy m lna dlspNeU amount as discrrssed above. After we fbkh our Investigation, ,~ will tell you our decision. At that pain, N we mink you oave an amount and you do not pay we may Tabora you as delinquent. MA1202003 Statement Date: OSlO6lt0 - 06105!10 Account Number: 5401 6830 1346 2236 Page 2 of 2 2plp Totals Yeas-tc-0ats Total fees charged in 2010 5156.00 Total interest charged in 2010 _ S1,653.84 Year~to-date totals reflect all charges minus any refunds applied to your account on or after January 31.2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Purchases 2224% (v) S18.290.55 3345.48 50.00 Purchases 22.24 % (v) 55.03 50.10 S0.00 Cash Advances 22.24 % (v) 5137.20 52.59 50.00 Cash Advances 2224 % (v) 50.00 S0.00 50.00 fv) =Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice I iow to Avoid Interest on Purchases, and other impodant informaton, as applicable. 8616492 Y 6000001 F1533338 0 13 D00 ~ 9 OS IO~Ob~05 Page 2 c12 OSOBti MA PM 1A583 15510000130001158302 Payment Due Date New Balance Past Due Amount Minimum Payment 07/,71,0 57,615.70 5641.00 579,.00 CHASE Account number: 5122 5710 2015 3294 Make your check payable to: Chase Card Services. Please write amount enclosed. New atltlress or e_matl? Pnnl on back. 5122571020153294DD0791000075157DDOOODOODODD0009 385639EX917'10C I1r11'IIIIIIIIIr lr rlllllllrlr'1 r/r II IIIIIrr III111I11r ~~rr"III PAULA J FENERTY 648 BRISBAIN LN CARDMEMBER SERVICE ENOLA PA 17025-1553 PO BOX 15153 ~u r~~~u r~~~unr~r~r~r~nu~~r~r~r r~r~ WILMINGTON DE 19886-5153 nr~~u~rr~~u~r~r~n~ t: 5000 i60 28~: ~ 36 LO 20 L 5 3 294 Ltl• ~ Q ~ S ~ Manage your account online: Additional contact information s convenienBy locatetl on reverse side /t r h www r ase.com ovs u ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 5122 5710 2015 3294 New Balance 57.515.70 Previous Balance 57,515.70 Payment Due Date 07/17/10 New Balance 57,515.70 Minimum Payment Due S791.00 Opening/Closing Dale 05/21110 - 06r20/10 TMaI Credit Line 37.500 Available Credit SO Cash Access Line 5750 Available for Cash - SO Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a 339.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99 % . Minimum Payment Warning: If you make only the minimum payrnenl each period. you will pay more in interest and it will lake you longer to pay off your balance. For example: If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about-.. pay... Only the minimum 30 years 519,376 payment 5277 3 years 59,971 (Savings=59.405) If you would like information about credit counseling services, call 1-866-797-2885. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you gel back on track. Call 1 800-955-8030 (collect 1-302-594-820D) today. Important Message: You Are Overlirnit! Your statement balance exceeds your rredit line. You should make a payment that includes the overlimil amount to bring the balance under your credit line. REWARDS SUMMARY Previous reward balance 50.00 Watch for opportunities to earn bonus reward Rewards earned on all other purchases 50.00 points lhrouyh special offers presented Remaining balance 50.00 throughout the year. Rewards unavailable for redemption 51.71 51.71 Rewards to expire on stalernenl in FEBRUARY, 2012 Thank you for using your Toys"R"Us and Babies"R"Us MasterCard Card! The Rewards summary above shows the rebates you have earned with the purchases you have made this billing period. Rernernber, you can earn a 5% rebate for all of your Toys"R"Us and Babies"R"Us purchases and a 1 % rebate on all your everyday purchases everywhere else such as gas and groceries! 2010 Tptale Year-touts Total fees charged in 2010 578.00 Total interest charged m 2010 S471 94 Year-to-dale totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rat e on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest 8616493 Type 31 Days In Cycle Interest Rate Charges Charges Purchases 19.24 % (v) 50.00 50.00 SO.OD Purchases 19.24%(v) SO.CO 50.00 S0.00 0000003 FI533336C2 000 V 9 20 t0i0E~20 Pzyzl oft 06390 hU UA 3x663 111'0000020003856301 w ~~~~~ X 0254 1N5146'9 1N5' 4649 ~^/ajF / ..~1 Address Change Reyuesl Please provide inforrnalion below only if the address information on front is incorrect. Street Address: -__---------------------- 8616493 City: ------------------ Slate: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address ------------------------ L To contact us regarding your account: By Telephone: ' IC71 ® In 115, 1-600-042-3142 V'"V Espanol t-ES88~46-3308 TDD 1-800-955-8060 Pay oY Phone 1 X00-436-7958 Outside U.S. cal' tolled end Inquiries to: P.O. Box t 5298 Wilmington, DE 19850-5 Mail Payments to: Visit Our Welnita: P.O. Box '~. 5153 www chase corn/[uvsrus 298 '/Yimingtun, DE 19886-5153 t-302-594-8200 Idgrmellbn About Your Aemunl Credltlnp of Payments: Yeu troy make Uaymenls by arty d the optbm lased bebw. The amount of your payment should heat bast your minimrrl payment due, DaYahle in U.S. tlollars antl drawn Or payade through a U.S. lironpial institution or the U.S. Dnluh of a foreign financial irrstimtbn. You may make paymerds by regular U.S. nail. Send your DaYnwnl to the Paymann address shown on this statement. Vour DSYmeMS by mall must comply whh Inc nstrudbns on this statement. Do not send cash. Write ycw Account number on your cneck or money order. Payments nwst De accompanied by the payment coupon in the envekpe provided wAn our address visible through the envelope wintlow. the envebpe cannot contain more than pn9 Cay'menl or coupon; and there can be no snples, paper clips, tape Or gprre5pondenx Inclided wiN ywr paYmed. If Your DaYmeM b in accordance wbh our payment ilutruchOns and Is made availabb n us on arty day by 5:70 D.m. bat time at our Payments address on this stanment. we wNl cretlY ik Caymmt n your Axount as of that day. IF your payment is in axoroance with our Daymenl insructions, but a rode awihbb to es aaer 6:00 D.m. local time al the Payments address on thu statement, we will credd h n your Axoum as of the rKd calendar day. You may make Paymann electronkaly through on webstte sAgwn on this sntemeM. If we rxeiva your comDlatetl request on our websile tl/5 p.R Eas[mn Time. we will cratlil your payment as of that day. IF •+e receive your request after 5 F.m. Eastern ikne, we will credit your payment as d the nail akndar day. If you specify a fdure date in your request we will cedN Vour payment as of that day for at other Paymann or for any payment type above for ~.vAkh you do not follow our payment instructions, crediting of your payments may be delayed br uD to 5 days Accgml Inlpmrelbn Repgdnd b GIe011 Yuneuc We may report infartre'km aDOUt your 0.ccounl to credit burwus. Lan payments. missed DaY'maMS or dhm ddautts on your Account may De reflected in year cretltt report. II you think we have reported inaccurate irdomredon to a cretlA bu'eau.. you may write to us a[ the Irpuirias address shown on ens rtatemem. Xallq Abbot Elndronk CMek Contnnlm: When yru pay by check. you autMrize In eaher to ~.lse Informatbn from your check 1o mesa acne-time eledrOnb lord tnnster Irom your ccuudm to Uloces;+:he VVynwnl ass clack hansadiun. When we use iufonnatbn hum your shale to rreke an ekdronb land transfer lands may be valxkawn from your axouM as soon as the same day wz rxeiva your peymenC and you will rmt raeive Sour dxgN back Irom your financial institdign. Callthe Cudeme•Service number ontnk; sntement ;f you have questions about ekclronb check collection or do no[ Want your Paymann colkcled elsdronicalty. Candibml Peymnnk: Any payment cnxN or other Corm of Daymem Thal you sentl us for lessthan the full halan0e due that Is marked'Daid in lul' cr contains a simian notation, or Iha[ y0a Olnert4ke terdef n fill 5atl5faClgn d a tlkputed amCUM, mUat D9 6BM tC Card Senrkes, P 0. Box 15019, Wimiilgmn. OE 19850-5049. We reserve all our rights rerprding these Paymann le 0-. N N Is determinxl mere is no valid nknde nr d any surh r.Aak Is rxaNal at any other coldness, we may accept the check and you wiN still owe dry remaining hahn0e). We Rlay fdUSa 10 aOceDt ally 9UCb DAYment by raUminq N 10 y0p, rips aahlrhJ It er tlestroyirp rt. All other paynleMS Ihm you mace should ba sem to the repdar Payment adtlrass shown nn ih15 gatemeM. Annual Rnnetnl Xgtiq: If your Account AgreeineM nos an annual lnembershiD fee arrN or similar charge for 5suance or availahillry of your aceouM, it will he billed each year or In montMy or quarterly Instalimenn. This tee anNor charge are awa0 wimlhm or rut you use your Account, aril you agree to pay them when billed. TM annual fee and charge are l-refuidable ulkss you notify us tint you r+sh to cbse your account wkhln 30 days ar one bYling cycle (whichever Is less) after we provide the sntenleM On wnkh the anmaal tae or charge is billetl and at the game time, you pay your outsnntlinp balance In full. 11 you d0 this. nr a Burge billed more often than annually such u a monlhy serdte charge, Mu will not owe the lest DINetl charge; rovvever. Drkr hilted charges are rorrrefundade end must 6a paid as Dad of paying your ounnidinq Dahncs in lull. Ypgr Dayrnsnl o` the annl0l Ise or charge tloes cot aXed our rghn to close your Account and to Ilmit your npM to make transactions on your Aaount. d your Account is closed Ml yrou or us, wa wNl comirue t0 impose Ina annual ix artlJOr charge until you Day your ONStanOirq OaknCe In full and mrminale yon Acceurrt relatbnshlD. Calnule0on of Salenen Subletl to IMnred Rob: To flpuro your gerbils Interest charges for each billing rycb when a daily periodic retell; applies, we use ne daily balance method linclutling Current Iransacnonsl. Tv iigura your Cedodb mteram charges for each billing ryck when a monlllly perbdic :ate(sl applies, we ale the avenge daffy balena mempd Ilncluding torten InrlsaMlons). For an exDlanatbn d either matted, or questions abort a wltbukr merest charge calcda;bn un your slalemeM, please call us at the toN free cusbmer service pngM number Ilstetl above. We alculate pabdic inleram charges, using the applicable perbde ales shown on this statement, separately for sack feature (sg., Dalance iransim c.nxks aril cash advanre checks I'cneck transanbn ), purchases. baance transten, Cash atlwnces, promolbnal bahnces or overdrah adwncasl. These ealmibtkns may combine dilfareM categories with tM same periodic rites. Yarhbk rite ~MII vary •rvtth the marks based on the Prlme Pan jar such index described eyour Account Agreemem). There s a ninilnum interest charge el $1.50 (or such amours daxrlbed In your Account Agreemedr In any billing cyda in which you owe any periodic interest charges, and a Innsaction fee Ipr each hakrue Iranster, cash advance, orchak tnnsaction, In IM amounts sated in yourAaountAgreemenb as It may Da amended. There is a foreign [nrl~ctbn fee ol3% d the U.S. Oobar emoted of any lorelgn tnnsadlon (a such amount descdDed In you ACCDJd Agreement). How n 0.wid Paying Interest on Purchases: We begin assessing periodic inbrast charges On a tnnsadbn, tae, or irterasl charge tram IAe don N is added to your daffy balance uric 1 your Accoum s Daitl b tut, as described in your AceouM Agreerlnnt Your due dam will De a minknun of 21 days fallawing tM close d each billing cycle. You can awltl per odk iidare5t charges on rreu purchases when they aro first billed n a stalerlent as described Debw DN ihisdoes not apply tO halarue tnlrsfers. cash advances or gvadrslt advances. 11 you recede a tartaric moMNysntement that Includes new pumla5es ant make a payment that we receive by the date and time the Mlnlmum Paymed Is due for drat slatemeM, we ~MII riot charge penotlb interest on any portion of IMSe new purchases that we allocate such payment to, so long as 11 your tartaric statemer also stows that wa received payment d the eMing balance (a your Dreviole month's sntemeM by the date and time Its Minimum f2Yment was due UR 2) that IM ending balance for yar previous monm§ slalemerd was zero. II you love a Mhnce other than a pumhase balance and [not balance sorties a hpMr Imbdlc iMxesl ate, you may rid ba able io avoid periotllc Idertst ctmrges on now pumhases dyeu de rid pay your halarr;e b lull each month, because we generaly allovate paymmnts lirsl [o Ue balance with the highest periodic innerest rate. WAaf Tg Do II You TAInA You Flnd A Mlsnka On Yqar SfabmeM If you think there is an errpf On ygdr StatenlEd. Wft< 10 u5 qn a separate sheet at GUS1pmEr Servbe, P.O. Box 15299 Wilmington. UE 19850-5299: In your letter, ylve us tlw lulluwiny bfmnwtion. • Aao;nt information: Vour name antl Account number. • Dollar artmunn Tnc tlplkf amount of the suspectetl error. • OexriMlondPrcbkm:ll you ihinkthere kanerroronyaur bill, tlesaibewhat you DeNave Is vrtong and wiry you believe A IS a misake. You must wMad rs rdthln GO days aflx iMarror appeared on y0urshnment. Yau must notiy us of any pde'ltal errors in writing, You may call us, Dot H you tla we are not required to '.nvestigate arty pokMlal srtors aril yvu may have to pay 1M amount in queston. While wa inwstigpn rvhetner or rot then hs been an error, the tolbwinq are true: • We cannot by to collet the amount it quest On, or repgrt ypu as deinquenl on that ainouM. • Fero charge in question may remain on your dalement and we may continue to charge you merest on Nat amount. B~.A, if we determine that we made a mistake, you •aNll rid have to pay the ancunt in questbn Or dry inkresl or other lees relates to that amount. • WDlle you Oo not have 10 pay Ne amount In questbn, ynu are resDOnSiDle for me 'emaintler Of your Dalance. • We tan epCIY any unpaid amount against yorr credit limit. Ybur RIgAh II You Aro OlssaXNNnd WIt1 Your Cntlll Csrd PursAeus If you are tlissatisliEd with the goods or services that you nave Durchasetl with yow credit card. and yes have tried k good fadh to correct the problem whh the memhart you may haV9 the rlgnt apt [0 pay 1ha rem8lnlDg amqunt dUE Cn the DUrohase. To use this ngh( all d the `aNowinp must he True: 1. The purchase must have Dean matle In your Home sari or W stain 100 costae of your currant Inalll'g address. and the gondola price moat have Deen more than $50. INote'. NeNn<r d These are nxessary II your Wrchase was haled an an adver6semeM wa mailed [o you, or N wE own the cOmpa~' 1Mt sold you the goods cr sarvkes.l 2. You nwsl have used your credo cab for the purchase. Purchmses made with ash advances from an ATM or ~.vdh a check that aeeesses your credh yard AccOUM do rid qualify. 3. You must nql yet have fully paid forthe purchase. U all d [he crAeda above are mat and you am still dasatlsfiedwah the purchase, contact us In writing at :;ustoma Servke, P.J. tlox 15209 Wilminglan, UE 1 9 350-52 09'. While ws Imsstigak, Ms score rules appy to t!w distmsd amount as dbcr5sed above. Afar we finkh our investipatbn, 'we will tell you our dxi5ion. Al trei DoiM, N we think you c'rve an artnuM earl you do not pay we may report you as delinquent. h1A1202009 Statement Dates 05/21!10 - 06!20%10 Account Number. 5122 5710 2015 3294 Page 2 of 2 INTEREST CHARGES CONTINUED Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Cash Advances 19.24 % (v) 50.00 S0.00 50.00 Cash Advances 19.24 % (v) 50.00 S0.00 50.00 (v) =Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice, How to Avoid Interest on Purchases, and other irnporlanl information, as applicable. 8616493 Y 0000003 F1533335 C 2 000 ~ 9 20 ' OrOfii 20 P,aye 2 of 2 00390 MA PM 38563 17110000020003856302 Payment Due Dale New Balance Past Due Amount Minimum Payment oT/oano ss.7s9as s237oo 5363.00 SonyCard•PlnyStntion.Cnrd Account number: 4266 9240 0293 3804 . Make your check payable to: Chase Card Services. Please wnte amount enclosed. New adtlress or e-matl? Prmt on back. 4266924D029338040D03630D00578945000DODOODDOOD08 '3463 BEX 9 15810 C PAULA J FENERTY 648 BRISBAIN LN ENOLA PA 17025-1553 Irrrlllrl,rlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlr,rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1 9886-5 7 53 t: 5000i6028r: L404002933804011• SonyCard • PlayStation.Cnrd Q Manage your account online: Additonal contact information www.chase.com/sonycard rAnvenlently Icealed on reverse side ACCOUNT SUMMARY Account Number: 4266 9240 0293 3804 Previous Balance 55;720 93 Fees Charged +S39.00 Interest Charged ~S29.52 New Balance 55;789.45 OpeninglClosing Date 05!08110 - 06107110 Total Credit Line 56.300 Available Credit 5510 Cash Access Line 51,260 Available for Cash SO PAYMENT INFORMATION New Balance S5.789.45 Payment Due Date 07/04110 Minimum Payment Due 5363.00 Late Paymen[ Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay up to a 539.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99 % . Minimum Payment Warning: If you make oniy the minimum payrnenl each period, you will pay more in interest and it will lake you longer to pay off your balance. For example If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about.. pay... Only the minimum 27 years 512,083 payment 5196 3 years 57,041 (Savings=55.042) If you would like information about credit counseling services, call 1-866-797-2885. Your credit card account is pas! due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. SONY CARD REWARD POINTS SUMMARY Check or redeem your Sony Rewards points al Total Points Posted Io your Sony Card Account 0 wwwsonyrewards.com The points reflect only purchases rnade during your statement period. To see a complete summary of your Sony Rewards points visit wwwsonyrewards.com or call toll free i-877-718-SONY (7669). ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount FEES CHARt3E9. C6/04 LATE FEE '9 00 TOTAL FEES FOR THIS PERIOD 539.00 INTEREST CWAROED- - G6/07 PURCHASE INTEREST CHARGE S4 C6/07 PROMOTION INTEREST CHARGE 28.98 TOTAL INTEREST FOR THIS PERIOD 529.52 I~ 2010 Totals Year-to-04te Total fees charged in 2010 578 00 Total interest charged in 2010 5142.66 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. 8616494 ~~~~r 0000001 rIS33333 C 4 000 V 9 07 IOr0Ei07 Page I oft OG337 41A ~1A 13463 15a 10000040001346301 ,/1 X 01281N5146'0 JJ~ n Address Change Request Please provide inforrnatbn below only if the address information on front is incorrect. Street Address: ------------------------- City. ----------------- State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone' --- --- ---- E-mail Address: -__------------------------- 8616494 L To contact us regarding your account: ® By Telephone: In U.S. 1-877-717-7669 ' l~/I V"V 6spa riot 1-888-44(i-3308 TDD 1-800-955-8060 Pay oy phone)-SG0~36-7958 Outside U.S. cote collect end Inquiries to: P.O. Box 15298 Wilmregton, DE 19850-5 Mail Payments to: P.O. Box 15153 298 Whmington, DE 19886-5153 Visit Our Website: www chase cornlsonvcaN 1-302-594-8200 the cams perbdlc rates. V'ahbb rates will vary ovate tM rtarke[ based on tM Pnme Rah jar smh irdexdescnbetl n your Acxunt Agreement). There a a rMnim.m interest charge el $1.50 (or such amours demribetl In your AcwuM Agreement In any billing cycle in which you owe arty gonadic inkiest charges, and a Iransaption fee for each ha6nca transfer, cash zdvance, or check tnnsedioq In IM amounts shtetl In your AccouMAgreemenh as it may ce amended. There is a foreign tnrsactbn fee ol3% of the U.S dokr amorm of any lorelgn tronsectlon (ar such amount tlescdbetl In your Accoun AAroemeMl. How to Avoid Paying Interost on Purchases: Wa begin assessing Denodic Interest charges en a tronsaMbn, lee, or interest charge hem the doh h is added to your dairy balance uMN your ACCODm s Daid b ful, as described in your Acceunl Agreement Your due date will Da a minknun o121 days followlrg IM close of each billing cycle. You can avoid cerodb liderest charges on new purchases when they aro first Mlletl N a stalenenl as described hebw. tent this does not apoN Io halana traroiero, cash advances or everdratt advances. 't you receive a curteM mDMMy MatemeM that Includes new purchases ant make a payment That we receive q'the date aid time the Mlnlmum Payment Is due for that shtemeM, we will oat charge periodk interest on any porROn of those new purchases that we allocate such payment to, m long as 1) /our cumeM statement elm shows that we received payment M the ertdng balance for your Drerlou9 month's satement by the dale and lime its Minimum I'aVmem oyes due OR 2) that the entlirtp balance tot yar prevbus rnonlh5 slalement was zero. II you have a balance other than a purchase balance and that balance carties a hpher perbdic interest rete, you may not be able to awid cerlodlc Inerest charges on new purchases H you do rot pay your halarce b full exh month, because we generzlN allocde paynxnh lirsl to the balance wM the highest periotlk interest rah. For aU other payments or Ix aay payment type above for whkh you tlo Iro[ tpirow our Wkat Te Do II You TMnk YDU Flntl A Mlshke On Yonr ShhmeM IMDrmallan ADOU1 YDHI Aeeount Codling of Peymuda: Yuu nay make Vayrnenls trj arty ul the opibrrs Iced bebw, The amount of your DaymeM should he at bast your minlmun payment dirt, payable In U S. dollaro and drawn or payable through a U.S. hranciM institution or the U.S. brarv:h of a loreign financial Irrttnrtbn. You may make payments try regular U.S. naaiL Send your payment to [he Payments address shavvn on this statement. Your payments by mail must xmpN wah the Instructbns on this statement. Do nM send cash. WMe yow AxouM number on your check or money order. Payments oust be accompanied oy the DDYmeM coupon in the envelope provided wah Dur address visible through the envelope windavr. the envabpe canrot wMMn more [tan m prymenl or coupon; and there can be no staples, paper cilps, tape or correspondenx Irclyded wHh Vour WYmeM. If your payment b in auordance wah cur payment tnrructions and Is made availahb ro us on an/coy by 5:00 D.m. bcallMe al our Payments address on this statement, we will sredY IM Cayment to your Account as of that day. If your payment is in axomaroe with our payntant instrumions, but b nude availabb to us otter 5:00 pm. local time al the Payments address on Ihb stdemeM, we will credR a to your AwpuM as el the rcxt calendar my Vou may make Daymerts electronkalN through ourwebsite shmxn on this statement. If we receNe your compleletl request on our website by 5 D.nt. Eastern Tinw. wa will credit your payment as of that say. If we receive your request after 5 p m. Eastem Thne, w vrlll credit your payment as of the rod calendar day. If you scecify a future Qate n your request we will credH your payment as o1 that day payment instructions, crediting of your payments may Ca delayed for up m 5 days Aueorad Inhmldlgn ReDOdetl ro grodlt Bunels: We maV repod inlorrrolbn about your Awotml to credit bureaus. Late DaYmaMS, missed Daymems or Mher dehulD: on your Acwlnd may De rotbctetl In your cratlN ropart. II you mink we have reported inaccurate irnornatlon to a trade bureau. you may wrae to us at [he Inquiries address shown on This statement. Rolla ADaut Ehdronle Check Convenlon: When yzu Day by checX. you authorize us ether to use Informatbn from your check tomake acne-tkne elemrmrk fund transfer from your won ur lu VroxaS the laymen) asacleck hansacliun. Wlwn we use infonnatunlrom your check m make an ebctronb fund transfer, funds may be wahdrawn from your aacuM as soon as the soma day we receive your payment, and you will not raeiva your clock bask from your financial lnstltMlon. Call[he Customer Service number on mk sntemaM iyou have questions about ekctronk check waemien or de wl cool your paymerrh :olkcted elxtronlcaNy. CaMltrorrol Poymeeh: Any payment Check or Omer form of payment that you send us for lass than the toll balance dlu that is marketl'pab M fuY"or contains a similar notation, ar that yea olDenvlse lender In fdl salishctlen of a dkputetl amount, must De loco to Cartl seMcns, P.C. Boa 15049, Wihdngmn. OE 19850-5049. We reserve all olu rights regardlrg IMSe paytnenh (s q.. H M Is tlelermined there Is rte valid dknnte nr tt any such rheck Is received a1 any otFur address. we may accept the check and you will still ovro any remaining babncal. We maV refuse to accept arty such payment by relurnlnq N to you, not pshing i[ cr destroying H. All other Daynwnts That you ma'ee sMUld ba sent to the reguar Paymsnl address shovn on this datamenl. Annml Itenrrval Rolla: If your AcwuM Agreement has an annual membership Ice and or similar charge for Issuance or avallabllNy M your accam, It will De frilled each year or r montAly or quarledy Installments. This lee andor charge ere cored wMher or icl you use your Account. ant you agree to vay tMm when billed. TM annual lee and charge are Dn-relwdaDle unless you notify us Iht you wwh to close your acwuM within 30 days or Din hYling cycle (whichever Is less) aaerwe provide tM statement on wnkh the annual he or charge is frilled and at the same time, you pay your outshnclnq balance in full. It you tlo thh, for a clurge bllbd more alien than annually slash as a moMhy servke charge, you wtY not awe the hd Diked charge, Mvvever, prbr billed charges are nomrdundable and must ha paid as pad of paying yorr aitshrding balance In lull. Your payment o` the annual fee or charge does rot aRect our rgMS to tole your Account and to Itma your right to make transactions on year Account. If your Account is closed by you or us, we will coMlrue to Impose the annual fee ardor charge until you pay your oMStantlirq balance in lull and tarmbale your Acxurn relatbnship. Gleulatlon of Dalanw Bubpd b Intend Rah: To 1lgure your perbdc Interest charges for each bilGnq yck whence daffy periodic rotojs; applies. we use the daffy balance method rinclutlinA torten[ transactions). To figure Vow pedotlic Interest charges for each billing cycle when a monmly ce~btlic ~rte(sl applies, we ale me average daiN balance method ilnDluding cumeM trensaMlons). For an eaplanatbn of either method, or questons about a patlbahr merest Chargi aloulatbn Dn your stalemem, please call us at the tole Iree custotrnr service p'eorre number listed aLnve. We calculate periodic interest ::barges, using fire applicable cerbdc rates shown an this s'Yalamern, separately 1Dr nth feature (a g., bahrce trarsler checks and cash advanx checks 1'cheek [mreadbn'), Durchaus, balance trandere, cash atlwrces, promelbnal hahnces or oveMrah advances). These calcubtkns may mmbira different catagodes wah If you think there is an error an your MatemeM. writs to us on a sepaMe sheet al Guslomer Servbe, P.0. Box 15299 Wilmtnglon, OE 19850.5299: In your letter, give ua Ilx lolluwinq kilornaliun: • Account Intormallon: Your name and ACCOIM number • ealmr arrcnm: me dolor amonm of too snspeatm error. • Oemripllon of Prcbbm:ll you think there is an ermr on your bill desalhe what you believe is Wrong and wiry you believe tt is a mistake. You must contact us within GO days after the ermr appeared on your statement. YDU must nmily ua of arty potenthl errors in W rairrq. You may pll us, out tl you do we are rot required to nvestlgah arty cebrMal enors and you may have to pay the amount in graesgon. While we investigate whamer or ram there hs been an error, the tdlowinq era true: • Wecannot lrY to wlled:he amount in quest on, xreport you as delirqueM en that amoun • The charge in pueslion may remain on your shtameM and we may coMbue ro charge you interest on hat amount. Bul, It we tlete•mine that we made a mbtake, you will nM have ro pay the amount in questbn or arty interest or other lees relates to that armunt. • WDlle you tlo not have to pay the amount In questbn. you are responsible far the remalyderaf your Delano. • Wecan aDON any unpaid amount against your cretlH limit. Your Rlghh II You An Olasaeatbtl WIU Yoar Crotlll Cab Pumbaau If you era dissatisfied wtth the goods or services that you have Durchasetl v+llh your credit card, and you have Ined n good hate to correct the problem wah the mercharL you may hays the right mth pay tIR romalninq amount due on the purchase. To use this right. all dma'okmvlnq must ce true: 1. The purchase must have been made In your home soh or W itAln 100 miles of your current inalllrtp address, and tM Wrchase pnce must have Dean more than $50. (NMe. Neaher d these are necessary d your purchase was haled ov an advertisement we malbd b you, or a we own the compary that cold you tM goods cr servkea.) 2, You roust have used your credo card for the purchase. Purchases made with cash advances from an ATM orvah a check That accesses your credit aN AcceuM do nM qualHy. 3. You must nd yet have fairy Dad for the purchase If all d tM cmada above are met and you are slit dbsaasiled wah the purchase, comacl us Inwriling al Customer Servke, P.0. tloa 15299 Wilmmgtan, UE 1985(I-529Y: While wa investlgah, me sane rules appN M the disOmeU amouru as tlbcrrssed above. Alter we rinish our mvestgatbn, we will tell you our decision. AI tint point, H we mink you owe an amount ant you do not Day vas may report you as delinquent. n1A1 zG2oo9 Statement Date. 05108!10 - 06!07110 Account Number: 4266 9240 0293 3804 Page 2 of 2 INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Purchases 14.24 % (v) 544.32 50.54 S0.00 Cash Advances 19.24% (v) 50.00 50.00 S0.00 Promotion 5.99% 55,695.83 528.98 SOHO !v) =Variable Rate Please see Inforrnalion About Your Account section for the Calculation of Balance Subject to Interest Rale, Annual Renewal Notice How to Avoid Interest nn Purchases, and other important informalbn.. as applicable. 8616494 )( 0000001 F1533335 L 4 000 ~ 9 07 10i06r07 Paye: cf 2 Oti337 MA nip, 13463 1681000004000134ti302 ~~~d~~~m~~~ ~~~~em~~~ ACCEPTANCE Of-THIS AGREEMENT CMA127Fi2 1 his agroumr.nt governs your credit card ar.cuunt with us referenced on the card carrier nnntaining the card fur this a ccount. Any use ni your account Is covered by this agruernunl. Plei;sr. read the entire agreement and keep it fur your records. You authorizr; us to pay (or and charge your ar.rnunt for all rrmsartinns madr, on your acr:ounl. Yuu promi:;e to pay us for all Vansactions made on your ar.coun[, as well as any taus nr finance chargr.s. I( this is a joint account, each of you, together and individually, is responsible for payinc; all amounts owed, uvun if the account is used by only one of you. We may require that gnu pay thy. full amount owerJ without first asking the other person(s) to pay. Please sign the batik o(your caul when you receive it. You will Uo bound bythis agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whetheryou use your arrmmt or nntyou will bu hound bythis agreemunt unless you cancel your account within 30 days after receiving your card and you havr. nut used your account for any purpose. Throughout this agreement, the words "we", "us"and "ord' mean Chase dank USA, N.A., the Issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable nn the ar.r.ount.The ward "card" means our. or mom r.ards or other access devices, such as account numbers, that we havr, issued in permit gnu !n obtain credit under this agreornent. USING YOUR ACCOUNT Your account is n r.onsumur acr.aunt and shall be used only (nr personal, family or Household purposr.s. Unless we agree or it is required by law, we will not be rrsponsihle for merchandise or services purchased or loosed through use of your account. You promise louse your account only for valid and lawful transactions. Pnr example, internal gambling may bu illegal in some planes. It is not our respunsihilhy to make Burr, that you use your account only for punnissihle transactions, and you will remain responsible for paying !or a transaction even if it is not purmisslhle nr contemplated under this agreement. Types ot7ransactions: • Purchnsus: You may use your card to pay for goods or services. • Checks. lNn may provide gnu cash advance chocks or balance transfer checks as a way to use your account. We also refer to them in this ayruuntent as a chock or checks. You may use a chunk to pay for goods nr servir.es,to transfer balances to your ar.r.nunt or for other uses we allow. 8ui you may not use these chucks to transfer balances to this account from ether accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance eherks arc, treated as cash nr)vances and 6alanl:e transfer checks era Iruatud as balance transfers exr.ep[ as noted in this agrucnlent nr any offer we make to gnu. We may want chucks that we call convuninnr.e checks as balance transfer checks. However, chucks that we call convenience chucks and that we indir.atr.d to you are subject to the terms for rash acivanr.r.s, maybe uuatr.d as cash advances and assessed cash advance talus and Ines. • Balance Tmnsfrrs: Ynu may transfer balances Irom other accounts or loans with other credit caul issuers or other lenders to This account or othr.r halanr,e transfers we allow. But you may nut transfer balances to this account Irony othr.r arr,nunts with us or any ui our related companies. It a portion o1 a requested balance transfer will exceed your available credit line, we ;nay process a partial halancn transfer up to your available credit line. • Cash Advances: Yuu utay use your card to get cash from automatic fuller machines, or tram financial institutions accepting the card; or to obtain travelers chocks, foreign currency, money orders, wire trinsinrs or similar each-like charges; orto obtain lottery tickets, casino gaming chips, race track wagers or far similar betting transactions. You may also use a third party service to make a payment nn your behalf and bill the payment to this account. • Uverdraft Advances: II you have an eligible checking account with one of our related hanks, you Wray link this account to your checking acr,ount with our related bank to cover an overdraft nn that checking ar.count under the tel'ms of this agreemunt and your checking acr.nunt agreement. Uilling Cycle: In order to manage your acrnunt, we divide tune into periods called "billing cycles".Each billing cycle is approximately one month in length. For each calendar month, your acr.nunt will havr. a hilliny cycle that ends in that month. Your account will )lave a hilliug cycle ending in each calendar month whethr,r nr not there is a billing suttumnm for that billing cycle. Aalharizcd Users: It you allow someone to usr, your amount, that pr.rsnn will bu an authorized uses You may request an additional card for use by an aulhnrizerl user nn your account. ti you do so, this account may appearon the credit report of tha[authorized user. Yuu should think carefully before allowing anyone to become an authorized user bnr,ausr: gnu are allowing )(tat persmt to use the nccuunt as you can. You will remain responsible for the use ul your ar.count and each ca«1 issur.d on your ar.count according to the terms of this agreement. This includes your responsibility for paying aft charges on your account made by an authorir.ed user. You must notify us to terminate an authorized user's permission ut use your aucmml. II you notify us, we may close the account and/or issue a new card or cards with a different account number Yuu should also recover and destroy any cards, checks or any other means of acr.ess to your ar,count from that authorir.ud user. Credit Liuu: Your credit Ilne appears on your billing statements. We may also rater to the credit line as a credit limit. Yuur billing statement may also show that only a portion ul your credit lint, maybe used for cash advances. Cash advances, including cash advance chucks, are charged against the cash advance portion of your credit line, and ell other transactions are charged against your credit line. 1'ou are responsible for keeplny track Pane t of G of your account balance, including any fees anti finance charges, and making sure u remains below your crr,dit line. If your account balance is azer your credit Tine for any mason, we may charge gnu an nvr.rlimit lee as described in this agreement. Vv'e may, but are not required to, authorizr. r.itorgr.s that go over your r.rerlil line. Ync must pay any amount over your r.rr.rJit tier„ and gnu must pay us immedimcly if we ask gnu to. This agreement applies to any balance on your account, Including a:~y balanr.e over your credit line. At our discretion,wu mayincruasu, reducu,orcancelynur r.rr.ditline,orthu cash a;ivancu portion of your cretfit lino, at any time. Howevor, it gnu have asked us oat m do so, we will not increase your credit line. A change to your rrr.dit tier, will nut affect your ubliya!lun to pay us. International Transactions; International transactions iltclude arty uansar,liun that you make in a foreign currency or that you nlaiu uutsidu of thy. llniterl Status of Anu;rir.n even if it is rnado in lJ.S. rlollnrs. If you make a transaction in a foreign cunrncy, Visr. International or MasturCarti International, Inc., will convert the transaction fete U.S. dollars by using its respective currency conversion procedures. 1'he exchange rate each entity uses to convert currency is a rate that it selects either from the range nl r,!tr.s availahlr. in the wholasale currency nr,{rkrts for the applicable processing daft. (~•.vhir.h rate may vary from the rate the respnctivu entity itself receivasl, or the govarnment•mandatedcate in effect on the applicable processing date. The rate in affect on the applicable processing data may differ from the rate on the date you usod your card or account We reserve the right to charge you an additional3°/r of thy. U.S. dollar amount nt any inrrrnalinnal transnr.tinn, whr.rhr,r shat transar,tion was nriyinnlly madr, in U.S dollars or was made in another currency and converted to U.S. dollars by Visa or MaslarCard. fn either case, the 3% will he calculated on the U.S. dollar amount procrded to us by that entity. 1'he same process anti r.harges may apply it flog international transaction is reversed. Refusal to Authorize Transactions: Wu may, but are not rer,uin:d to, decline ~ uan.action nn your ar.count for any of the (allowing n:asnns: • because of operational considerations, ° because your actiount is in default • it we suspect fraudulent or unlawful activity or, • in our discretion, tar any other reason. We are not responsible for any losses if a transaction nn your nccuunt is declined for arty reason, either by us or a third party, even if you have sufficient r,redit available. Fnr online transactions, we nu{y require that you rrgister your ar.count with an authorization system that we select. We will notify you it we wan! you !n register. If you do not register, we may decline your antler. transactiens. Rehlsal to Pay Checfts: Each check you write is your request for funds. bVhen vvu rer.eive a check (or payment, vde may review your ar.r.ount to decide whathur to authorize that check. Wn may, but are not required tn, reject and return unpaid a r.heck inr any nelson, I^Clndllty thL' loleWlny L'xanlple S: • Wa or one of our related companies is the payee un the chuck, • Your credit liar; ur' cash advance portion ui your credit line has been exe:eedod, ur wolrlri ba exr.eeded it we paid tie: chock. • The check is post-dated. If apost-dated check is paid, rr.suiung rn rrnarher checl: hems returned or not paid, we are not responsible. • You have usod the check abet the date spur.ilierf un i!. • You i{rL' Irt dClatdt er WUnld Ile II WC pall) 1111: GIIi;Ck. Lust ur Stolen Cards, Checks or Accoum Nunthurs: If any ca«i, cl!cck, ar.uount numbul or nthur means (n access your account is lost or stolen, or you think sorneonn used nr may use lhrm withotn your permission, gnu must notify us at once by r,alf;r.g the Cardmernher Service telephone number shown on your ca« 1 or billing smternr.n!. Dn nut use your account after gnu notify us, even it your card, check, account numbo: ul ether means to aucess your account is found or rulunted. We may terminate ar suspend goal credit privileges whr.n you entity us of nny Inss, theft ar unauthorized usr. ralatnl! n; your account. Ynu may hr, liable if theca is unauthorized use ni your ar.r,ount from wiur.h yea receive no hmtefit but you will not 6r, liable Inc more than x,50.00 n( such transactions, and you will not ba liable for any such transactions rnadn after you notify US Df Ihl TOSS, tIICIt Dr unauthorized usu. Hovaever, you must irlentifytor us the unauthori>ed charges Irom which you received nu benefit. We may requiro you to provide us information in v~riting to help us linrl nut what happened. We may also requiro you to comply with certain prnr.r.dures in connection wllh our invastigation. PAYMENTS Payment hlstructions: Your billing statement and accompanying envelope utclude instructions you roust follow fur making payments and sets ionh [he data and time by which wn must rr.r.eive the payment. You agree to pay us amounts you owe in U.S. tlullars drawn nn funds cn dcpusi! in n U.S. financial institution or thy. U.S. branch of a foreign financial institution using a payment check, moneyarrleror automatic dehitthatwill heprocessed or honored byyour linttncial institution. We Will not accept cash payments, Your total availahir. crr.dit ncy not be restorarl fur up to 15 days alter we receive your payment. Any payment check ^r other form of payment which you send to us for loss lhal-~ the Icll balanr.o that is marked "paid in full"or with a similar notation or that you otherwise tender in full salisfaution el a disputed amount Iconrlitional payments), must hr, snot to us at thy. conrfitinnol payments address listed nn your monhly staturnent. Wu reserve all our rights regarding such payments. Fer example, if it is datnrmined there is no valid dispute or it any such payment is received at any other address, we may accept the payment and you wit) still owe any rumaininn balance. We may rulusu to tICCBpI any SnClt payrnL`nl by returning it to you, not cashing it nr by destrnyiny it. All other paymems that gnu make should he sent to the regular pnymenr arlrirnss shown nn your monthly s!atements. N~~ We reseNa the right to electronically collect your eligible payment checks, at first presonunent and any representment, from the bank account on which the che.ckrs drawn. Dur receipt of your payment checks is your authorization far us to collect the amount of the check electronically, or, it noadoti, by a draft drawn against the bank account. Payment checks will hr. collected uloctronic ally lJy sending the check amount along with the check, routing and account nurnhers to your hank. Your hank acr:ount may be debited as early as the same day wn, receive your payment. The original payment check will ha destroyed and an image will he maintained in our rer;nrds. Minimum Payment: You agree to pay at leastthe minimum payment due, as shown on your hilling statement, so that we receive it by the date and time payment is due. You tray pay more than the rn'minnun payment rluu and may pay the lull anwunt you owe us at any time. I( you have a halanre that is subject m finance charges, the. sooner you pay us, the less you will pay in linanr,e charges because finance charges aCCrne Dn yUllf belanCL' ealal dtly. Your billing sraternent shows yvur beginning balance and ypur ending balance the "New Balance" on your billing statumr.nd. If iho New Balance is SIU.UU or less, your minimum pnymunt due will he the Now Balance. Otherwise, it will ho the largest o! the following:5i0.00; 2% of the New Rnlancr.; nr the sum of 1 °/ ni the New Balance, total billaci periodic rate finance charges, and any billed late and ovorlirnit foes. As partofthl:utinilnumpaynu:r.tdue,wu alsaarld any amount pastc4:e and anyanwunt over your credit lieu. Payment Allocation: You agrr.r. that wu are autilorizud to allocate your paymunis and credits in a way that is most favorable to or r,onvr.nient for us. For e>:ampla, you nuthnrize us to applyyoul pr,mrnts and credits to balances with IoarerAPRs (such as promodnnel APRsI helore balances with hiyhr.r APRs. Credit Ralanr.us: Yau may ruyuest a rehuxl of a credit balance at any time. VVe may reduce the smmint n1 any credit Lclance by the amount of new charges ur ieus billed to your account. Automatic Chnrgas: Ynu mrly authoriir, a third party to automatically charge your account for repeat transactions (Ier example, monthly utility charges, mernburships and insurance premiums). I(autnnurtk charges are stopped far any reason lincludiny bucauso your account is closed ur suspended for any reason} or your account number changes, you are rosponsibfu fur notifying the hiller and paying these charges directly. I(your account number changes, we may, but are not required to, pay from your now a ccount number charges- that you authorized to he billed in your ofd ar,r,nunt number. Promotions: From time to time wu may offer special terms for your account. If we de, wu will notify you about the turns of the. alter and how long thoy will he in effect. Any promotion is subjr.ct to the loons ul this agrcemunt, as madilied by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates f"APRs")and the corresponding daily periodic rates are listed on the Rates and Fees Table [hat is at the anti of this document or provided separately. To yea the daily periodic taro wu divide the: APR by 365, and in effect always round up at the fifth place to the right of the. decimal point. Variable Rate s: Dne or more APRs that apply to your account mayvarywith changes to the Prime Rate.. When you have an APR that varies with changes to the Prime. Rate, we calculate the APR by adding a margin to the Prime Rate published in TRe Wall Strr. er,/nunurl two business days before the Closing Date shown on your billing statement. The "Prime Bate` is the highest (U.S.) Prime 11ate published in the Money Hates section of The Wall SrrcrtJnurnal. If The bVall Srrerr,/ournalstops pulJlishing the Prime Rate, wu will select a similar reference rate and inform you nn your hilling statement or through a separate notice. A "rnaryin" is the percentage we add to Ihu Prime Rate to calculate the APR. A "business day" is any day that is not a weekend ar federal holiday The Rates and Fees Table shows which rates, it any, are varlahlu rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before Ihu Clusiny Dato shown on your hilling statement, we see what [he Prime Ratu is. Wn. then add the. applir.ahlu margin to that Prime Rate tc yui the APR. Thu daily periodic rate is caiculatod as described above. II our calculation results in a change to n daily poriodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. II the daily periodic; rate increases, you will have to pay a higher poriodic linancr, r,harge and may have to pay a higher minimum payment, Default Rates: Your APRs also may vary if you are in default under this agrcemunt 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 awed nu this account or any other account or loan with us, nt least the minimum payment due by the date and time due. • You exceed your crodi[ line on this account. • You make a payment to us that is not honored by your bank. If anyof these events occurs, we may increase theAPRs }including anyprnmotional APR} ml all balances (exchrding overdraR advances) up to a maximum of the delault rate stated hr the Rates and Fees Table. We may consider the following factors to determine your delault rate: the length of time your arr.ount has been open, the exis[unce, seriousness and tuning o(fhe defaults on your ar.r,ount; other indications of your account usage and performance; information about your other relationships with us or any ul our related companies; and infonnatiun we obtain from consumer credit reports ohtainud from credit bureaus. Thle dufauh rate will take, effect as of the first day of the billing ryr.le in which the rlnfauh ncr.urs. If wu decide not to increase your APR even though thuru is a default or ii we, do not increase your APR up to the maxinnrul delault rote stated in the Rates and Fars Table, we reserve our right to increase your APR in the event of any lu[uro dofauh. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances an your account. Finance Charge Calculation -Average gaily balance Method (Including New Transactions}: Wo calculate periodic Ilnance charges separately for each balance associated with a di(feront r.aleyery of transactions (for example, purchasns, balance translers, balance transfer checks, cosh advances, cash advance checks, overdraft advances, and each promotionl, These calculations may cornbine dirferent categories with the same daily periodic rates. This is hots it works: We calculate periodic finance charges for purchases, balance translers, balance transfer checks, cash advances, cash advance checks, and avn.rdraft advances by multiplying the daily balance for each of those categories by the dally punudlc fell; for r:ach of Ihase categories, each day. Ynu may have overdc+h odvanr.es only if you have linkrrl this ar.l:nunt to a checklnq account with one nl our related L•anks. We calculate the periodic linanco charges for purchases, balance transfers, balance transferchecks,eash advances, and cash advance chucks subject ro a promotional rate the same way, but we use the promotional rata. To gu( the daily Iralancu far each clay for ear.h ritr.gnry • We take the beginning balance for that day • We add to that balance any new transactions, iuus, other charties, and uei,n +djuslments that apply to that caleynry. 4Ve add a new purchase, casl•~ advanr.e. bal3nCl; Ir811SfL`f n OVL'fdfilll advance, it applicable, to the daily balanr.e s ui the transartinn date, or a later data of our choice. We add a nrev nosh advance r.her.k or balance. transfer check to the daily balance as of the date the :ash advance check or balance transler check is rJepnsiled by ;+ payee, or a IatCr date of our choice. • We subtract from (hat baiancu any payrncnts, CrL'dII5, Or CfL'dlt ndIII51ft18nS that apply to that category and that are credited as of that clay. • Vera treat a credit balance. as a balance of zero. To yet the beginnlny halaur.r. for cor.h category for the, next day, we add the daily periodic finance charge to the daily balance, li more than one daily periodic rata could apply to a category bucausc the rate fur the category may vary based on the arnnunt of its average daily balance, we will use the daily periodic rate that applies for the average daily bolance anleunt at the end nt the hilling r yr.le to r.alr,ulale the daily periodic finance charge each day. This agraument provides for daily compounding of finance charges. Te get the total periodic finanr.e charge, for the billing cyr,lu, we. add .III of the. doily periodic finance charges for n.ach category fur uach day during that billion cyr.le. Huwuvor, if any periodic finance chance is due, we will chargo gnu at least the Ininimum periodic finance charge stated in the Hates and FL'L'S lablu. h p Is nucessar/ to arld an additional amount to reach the minimum finance r.harge, wu orld that amount to the balance for purchases made during the hilling cycle. The total fhuJncr, charge on your ar.r.ount for a hilling cyr.le will hr. the, sum of the. periodic finance charges plus any transaction fee finance charges. For each catl;ynrywr. calr.ulntr, an average daily balanr.e linr,luding new transar.tlonsl !or the billing cycle by arJding all your daily balances and dividing that amount by the number of days in the billing cycle. II you multiply the average daily balance for a category bythe applir;ablo daily poriodic rata, and multiply the result by the, nurnbr.r vi days in the billing cycle, IIIL' total will el11J81 lhC perID111C ilnallCL' charges for Ihal bulanr,n. aftribumblu tnrharbilling r.yr.ln., r.xcn.pt fnrminorvariatiturs clot. In rounding. Grace Period alld ACCrllal of FI II i111CL' CIIarII L'S; WL' aC Crll L' perlOdlC IlnanCL' Chary CS on a transaction, fee, or linanr.e charge Iron the date it Is adduct to your daily halanr.r. until payment in full is received on your account. However, we do nm r,hnrr,!; periodic, finance charges an new purchases billed during a iJilling cycle i! wu receive payment of your New Balance by the Jate and time your minimum payment is duo and vdn rer.uivud payment nl your Nevv Balance un your previous billing statement by ttn: date and time your paymn.nt was Clue. This exception or "grace period" applies ,nly to purchases and does not applytu balance transfers, balance transfer char.ks, cosh advancos, cash advance checks or overdraft advances, if applicable. Transaction Fees for Cnsh Advances: We may charge you a cash arJvanee Ier. in the amount stated in the Rates and Fees Table, for cash advanr.e cheeks and cash advances. In addition, if you use a third party service In make. a payment on your bchall and the service charges the payrnuru to this ar:cuunt, we may chargo a transaction toe far the paymem. These transaction funs are finance charges. We iJdd the fL'L' (0 Lhu b81'JnCe fur the relatod category as of Ihu transaction date of the cash advance. For example, a transaction lee for a each advance would hr. added to your cash advonr.e balltnce. Transaction Fecs for balance 7rnnslers: Wu may charyu you a balance transler Ice in tho amount stated in the Batas and Furs Tahlu for halanr.e transfer cher.ks and halunce transfers. These transaction fees are linancc rhargr.s. We add the fr.e to the. halanr,e for Ihr, related category as of the transaction dale of the balance transfer. For example, a transaction fee for a balance transfer would he added to your balance transfer balance, DTIIER FEES AND CHARGES We may charge the following laws. The amounts of those foes era listed In the Batas and Fees Table. These fees will be added to the balanr.e for purchasns merle durinn the billing cycle. Annual Membership Fea: If your account has an annual membership feu, it will be billod oach year or in monthly installments las stated in the Rates and Feos Tahlel, vdluaher or not you use your accuum, and you agruu u+ pay It whr.n hilled.lTlr, annl:al Faye 2 of 6 CMA11/G2 membership fro is non-rehmdable unless you nntlfy us that you wish to close your account within 30 days of the date we mail your billing strrtement nn which the annual membership lee is charged and atthe same time, you payyour outstanding balance in full. Your payment of the annual membership fee does not affect nor right m close ycur accoum nr limit your right to make transactions on your account. Ii your account is closed by you or us, we will r.ontinur. m chargr, the annual membership rue until you pay your outstanding balance in full and terrnlnau: your account relationship. Latr. Fr.e: If we do nut receive at least the required minimum payment by rho date and tune it is due as shown on your hilliny statement inr any billing cycle, wr, may charge the lair. foe shown in the Rates and Fees Table. If the late fee is based on a balance, we calcula[o the late fee using the Previous Balance on the cotton! month's statemon[ that shows the late foe. This balance is the same as the New Balance shown on the prior month's statement for which we dirt not receive at least the required minimum paymont by the date and time it was der:. Overlimit Fee: II your account balance is over your crodit lino al any time during a billing cycle, even ii only for a day, we may charge an nverlimit fen. We may charge this fee even if your balance is over the r.redit line because of a finance charge or fee we imposed or a transaction we authorized. We will not charge more than one overllmit fea for any billing cycle. But we may charyu au overlimit fee in subsequent billing cycles, even if no new transactions arr. made nn your account, if your account balance still is over your credit line at any !free during the subsuquunt hilliny r.yr.lns. Return Payment Fee: If (a) your payment check or similar instrument Is nut honored, fib) an automatlr, debit or other r.Ier.rronic payment is returned unpalrl, or (r,) we must return a payment check because it is not signed or canna[ he proressed, we may charge a totem payment lee. Return Check Fee: It (a)we stop peyrnent on a cash advance cheek or balance transfer check at your requr.st, or (bl we reluso to pay a cash advance check or balance transfer r.heck, we may charge a retool check lee. Adminislralive Fees: Ii you ?:quest a copy of a billing statement, sales draft or other rr.cnrrl e( your account or it ~,~uu request two or morn cards or any special services Ifar example, obtaining r.ards on an expudned basis), we may claanle you fur those services. Flowever, we will not charge gnu for copies of hilliny statements, salts drafts or similar documents that you request for a hilliny dispute you may assert against us under applicahlu law. We may charge, for any services Listed above and other services we provide, the fees from time to time in effect when wu offer the service. DEFAULT/COLLECTION We may consider you to be in tietault ii any of these occurs: • We do not receive at least flit. minimum amount due by the darn and time dun as shown on your hilliny statement. • You exuucd your crodit line. • You fail to comply with flit. teens of this agreement ar any agreement with one of our related nnmpanies. • We obtain inlormation that r,auses us to believe that you tray he unwilling or unable to pay your debts to us or to uthr.rs on time. • You file fur bauluuptcy. • Ynu hncnma incapacitated or In the event of your death. II wu consider your account to bu in default, we may close your account without notice and require you to pay your unpaid ltalanr.e inuuerliatcly. We also may require you to pay Interest at the raft. of two percent ~2%) a month on the unpaid halanr.e when we doom your account to be six or rnnre hilliny cycles past duo. To the oxtent permitted by law, if you are in default because you have failed to pay us, you will pay our collection casts, attorneys' fees, court r,osts, and ell mher expenses of enforcing our rights under this agreement. CLOSING YOl1R ACCOUNT You may r.lnse your acr.ount at any time. If you call us to ulnse your account, we may require that you confirm your request in writing. We may r.lnse your account at any !fine or suspend your crodit privileges at any tune 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 cnnsequuncr.s resulting from nlosing your account or suspending your credit privileges. If you or we close your account, you and any authnrimtl users must immediately stop using your account and destroy all cards, checks or other means to access your account nr return thorn to us upon request. You will continue to be responsible for charges to your account, evt:n if thr.y arr. made ur processed abet your account is closed and you will be required to pay the outstandiny balance on your account ar.r.nrrling to the turns of this ayrcnrnent. In addition, m the extent allowed by law, wu may require you to pay the outstanding balance irnrnr.diately or at any time after your account is clnsr.d. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TU COURT. 1'DU WILL NOT BE ABLE TO BRING A CLASS ACTION DR OTHER REPRESENTATIVE ACTI0~,1 IN COURT SUCH AS THAT IN TfiE FOHM OF A PRIVATE Al'1~Of1NEY GENERAL ACTION, NOR WILL YDU BE ABLE TO BRING ANY CLAIM IN ARBITRATION A5 A CLASS ACTIOIJ DR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OH BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVEACTIDN.INTHEARSENCE OFTHISARBII'RATION AGREEMENT,YOU AND WE ~4A1' OTHERWISE HAVE FIAD A RIGfiT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE BLEU IN COURT BY OThIC-RS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONSI. OTHER RIGHTS 1'HA7 YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOV[RY OR THE RIGHT TO APPAL THE DECISION MAYBE MOHELIMITEO. EXCEPTRS OTHERWISE PROVIDED BFLOW,THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transact~o:: involving iutorstale commerce, and shall bo governed by and he enlorcuable under !hu R:deral Arbitration Act (flit. "f-AA"j, 9 U.S.C. §1-16 ns it may hr. amr.nrJr.d. This Arbiuatinn Agrr.nnun~. sets forth the circumstanens and procoduras undr.r which claims las rinlined balawl may be resolved by arbitration instead of briny litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, "v:e", "us', and"our" alsc includes our parent, subsidiaries, affiliates, licensees, predecessors, sec censors, assigns, any purchaser of your Accotmt, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally, "we", "us"and "our" shill include any;hird party pravirling benefits, services, or produr.ts in connr.ction with the Ar.r.ount (inr.lurling but not limited to credit bureaus, merchants that accept any r.rr.dh devir,e issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employnus, agents and representauvesl if, and only if, such a third parry is named byyou as a cu-defendant in any flaim you assr.r! against us. Claims Covered. Either you ur wu may, without the other's consent, elect nlandiunr/, binding arbitration n( any r,lairn, dispute er r,mttroversy by tither yru or us agates! the other, or against the employees, parents, subsidiaries, affiliates, beneliciarir.s, agr.nts rr assigns o1 the other, arising Irom or relating in any way to [he CarrJmembr.r Ayruenwnt, any prior Cardmurnber Agreement, your credit card Account or the advertising, appllcatiun nr approval of your Account ("Claim"). This Arbitration Agrnrrnr.nt yovr.rns all Claims, whether such Claims ere based nn law, statute, can!roct, regulation, erdinan::n, tar,, common law, censtilu[ional provision, or any legal !henry of law such as respondent superior, or anyotherlegalorequitable ground and whether such Claims seakasremaclies money damages, penalties, injunctions, ur declaratory or nyuitablc raliul. Claims suhjer.t tc this Arbitration Ayrectnunt inchrdu Claims regarding flit. applicnhiliry of this Ariti;ratinn Agreement or thevnlidityof the entire CardmemherAgreement or anyprior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the Mast, or ;;rise in the present or [he torero, As used in [his Arbitration Agreement, the term Claim is u; bu given dre broadest possible !Weaning. Claims suhjectto arbitration include Claimsthat err, made as counterclaims, cress r.laims, third parry claims, intnrplcadcr„ or othcrwis'u, and a parry who initiatr.s o prnr.r.r.ding in court may elect arbitration with rr.spr.ct ut any such Claims advaWCnd in the lavrsuit by any party or parties. As an t:xception to this Arbitration Agreurnunt, you retain the right to parson in a small claims court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a parry elects to arbitrate a Claim, the arbitration will bo r.nntiucted as an individual action. fJeilher you nor we agree to any arbitration un a class ur rupna:;ntative basis, and rho arbitrator shall have nn authority In prncerd nn suc'n hosis. This meinu that rven if a class action lawsuit or other representativo action, such as that in the ions n(n nrivatr. attorney genoral action, is filed, any Claim between us relamd to the issues raised u•: sur.h lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will he consolidated with any other arbitration proceeding witfunn the consent of all parties. 7ha only Claims that may bu joined in an individual action under this Arbitration Agreement err, (1) Ihose brought by us against you fled any cU-apllhcant. joint cardmemher, nr authorized user of your Ar.r.mrnt, nr ymlr heirs nr your trusu:e in bankruptcy or j2) those brought by gnu and any ce-applicant, joint cardmember, nr authorized user of your Account, or your heirs nr your trusrou in bankruptcy against us. Initiation of Arbitration. The party tiling a Claim in arbitration must choose one el the following two arbitration administrators: American Arbitration Association; nr National Arbitration Po rum,These arLninistrators are independent Irom us. The administrator !loos eat eonduct the arbitration. Arbitration is conducmd undr.r the rrlr.s of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of [he selected arbitration administrator and as may he provided in this Arbitration Agreement. Any arbitration hr.ariny that you attend shall ha hr.ld al a place chr,sen by [he arbitrator or arhitrntion administrator within the federal judicial distrir.! in which you reside at the time the Claim is filed, or at soma other place to vrhir.h gnu and wn agror. in writing. You may obtain r.npies of flit. current rules of each ci the two arbitration administrators, information about arbitration and arbitration fees, and instructions Ir.r initiating arbitration by contacting the arbitration at)ministrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, Nevr Ynrk, Nl' 10017-4GO5, Web site: www.adr.org, 1100-778.7879; or National Arbitration Forum, P.0. Box 50191, Minneapolis, MN 55AU5, VVab site. www.arbitration-forum,con, B0U•474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitratorvrilleither be a lavvyr.rwith atleast ton years experience of a i aur;d or former judgo, The ar'oitratiun will be r.onductcd under the applir.nhln prnr.r.durr.s tout ruins o(thn arhitrntion administrator Ihat arc in r.ifnr.t nn the Ante the arbitration is filed unless those procodures end rules arc inconsistent with this Arbitration Agreement, in which case this Agreornent will prevail. These procedures and Hiles may limit the amoun~. of discovery available to you or us. Tht: arbitrator will apply applicahlu substantive law consistent with the FAA and applicahlu statutes of limitations, and will honor r.laims nl privilege recngniznd at law. You may r.hoose to have a hearing and hr, repnaer,rod by counsel The arbitrator vdill take reasonable steps to protect customer Account inlormation and other confidential information, inchiding the use of protoctivn orders to prohibd disclosure outside the arbitration, ii requested to do so by you or us. Thu arbilralnr will have the power to award to a party any damages ar ether relief provided for under applicahlr. law, and will eat have the power to award relief to, against, nr for tiro brnebt o(any person who is not a party to the proceeding. li the law authorizes such rnlial, rho arbitrator may award punitive damages or attorney lees. the arbitrator will make any award in writing but need not provide a statement of reasons unless requcstr.d by a party. Upon a request byyou or us, the arbitrator will provide a brief statement of rho reasons for the award. Costs. Wa will rr.imbursc you for Ihr. initial arbitration filing Ir.e paid by you up tc the amount of S5OO upon recnip*, of proof of payment. Additionally, it !hare is a hearing, we Page 3 of G CMA12762 will pay any fees of the arbitrator and arbitration administrator (or the first two days of drat huariny. Tha payment of any such hearing fees by us will be made directly to the arbitration administrator seluutud by you or us pursuant to this Arbitration Agreement. All other tees will he allncatetl in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and uthur 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 hear the expanse 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 taus and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing [his Arbitration Agreement at anytime, or in connection with anyparticularClaims,will not constitute a waiver of any rights to require arbitration at a later lima or in cannccliun with any other L'laims. Any decision rendered in such arbitration proceeding will he final sort binding on the parties, unless a party appeals in writing tm the arbitration organization within 30 days ul issuance of the award. The appeal must request a new arbitration before n panel of three neutral arbitrators designated by the same arbih'ation organization. The panel will recnnsidur all (arhral and legal issues anew, Inllnvv the. carne rules that apply to a proceeding using a single arbitrator, and make decisions basnrl on the vote of the majority. Each party will hear their own fees, costs and expunsrs for any appeal, but a party may ruuovereny or all foes, costs and expenses from another party, if thy. majority ut the panel of arbitrators, applying applicable law, so determines. An award in arbitration will hr. enforceable as providod by the FAA or other applicable la~n~ b'J any court having jurisdiction. Severahility, survival. This Arbitration Agreement sholl survive: (il termination or changes in the Cardrnumber Agreement. Hu: Ar.count and the relationship brtween you and us concerning the Account, such as thy, issuing of a now account nurnher or the transferring of the balanca in the Account to another account; (iij 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 parry. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining ponions shall nevertheless remain in force. CHANGES 70 THIS AGREEMENT We can change this agreement at any time, reyardluss of whether you have access to your account, by adding, dclotiny, or modifying any provision. Our right to adrl, duletu, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extant, and enforcement of rho riyhcs and obligations you or we may hove relating to this agrnn.ment. Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of nny Change if required by applicable law. These Changes Wray he effective with notice only, at the time stated in our notir.e, in accordancr. with applicahlr, law. Unless wt: state otherwise, any Change will apply to the unpaid balances on your ar,count and to nn.w transactions. The notice will describe any riyhcs you may have with respect to any Change, and the consequences it you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a speciliurl data it you do not want to accept certain Changes we are making. If gnu notify us in writing that you do not accapt the Changes, your ar.r.ount may be closed (if it is not already closed} and gnu will he obligated to pay your outstanding balanca under the applicable teens of the agreement. II you do not notify us in writing by the date stated in the notice, aril you notify us but then use your account altar the date stated in the notice, you will bu deemed to accept all Changes in rho notice and to accapt anti confirm all terms n1 your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION Wu rosy periodically rovinw your credit history by ohtaininy information from credit bureaus and others, We may cohort information shout you sort your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your acr.ount for others, we may report account information In your name as well as in rho names el those ulhur people. If you think we have reported inaccurate information to a credit bureau, you may write to us m the Cardmumher Service address listed on your billing statement. Please inchnie your Hama, address, account number, telephone number and a brief description of the problem. If available, plr.ase provide a copy of the r,rrrlit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact sack credit bureau to which wu reported the information and will request thug correct the report. If we disagree with you after our investigation, wa will fell you in writing or by tclephonu. 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/CIfANGE OF PERSONAL INFDRMATION We will send cards, billing sr{ternents and other noticos to you at the atJdress shown in our files. Dr, if this is a joint account, wr, can send billing staternunts and noticos to any joint account holder IJotice to ono of you will be considered notice to all of you and all of you will remain obligated on the account. If gnu change your name, address, or home, cellular or business telephone number or email address iii you elect to receive billing s~atemrnts or other noticos onlinel, you must notify us immediately in writing at the address shown on your billing statement. tAre rosy, at our option, ar.r.ept mailing address rurructinns from the United States Postal Service. VJe may cuiuact you about your account, including for customer service or collection, at any address nr telephone number as wall as any cellular telephone number you provide us. TELEPHONE MONITORING ANO RECORDING Wn„ and if applicable, uur agents, may lislun to and record your telo-:phone r.alls with us. You agree that we, and if applicahln, our agents, may do so, whether you or wn. initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your account within our family of companies, and with others nutsirlr. our family of companies including any company or organization whose name or mark may appear on the cards, ns pr.rmittc,d by law. Our Privacy Policy, which is provided to you when you first receive sit agreement and at toast onco Dock calendar year thereafter, describes our infnnnotiun sharing practices and the choices you have and direclinns you may givr, us about our sharing of information shout you and your acr.ount with r.nmpanies or organizations within and outside of our family of companies. ILLINOIS CARDMF.MRERS Illinois law provides that we may not share information shout you with companies or other arganizntinns nutsirle nl our family of r.ompanir.s unless you nuthorizu the disclosure or unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response [o a suhpean+l. `lnuherubyayreuthat,ifyou choose not to exurcise!he applicably. optoutdescrihed in our Privar.y Pnlir.y, you will be duerned to hove authorized us to share personal information we have about you lincluding information related to any of the products or services you may have with any of our componiesl whit companies or other organizations outside of our family of companirs. ENFORCING TfilS AGREEMENT We can delay enforcing nr not eninrc.e any of our rights undn.r this agreement wilhntn losing our right to enforce them in the future. If any of the Ir.nns of this agreement are found to be unenforceable, all othor terms will remain in full forcr., ASSIGNMENT We may assign your nr,cnunt, any amounts gnu owe us, ar ,uty of r,ur rights and obligations under this agrer.mr.nt m a third harry. Thu person tr, whom we make thy. assignment will be entitled to any of uur rights that the assign to that person. GOVERNING LAW THETERMSAND ENFORCEMENTOFTHISAGREEMENTAND y'OURACCOIJN'iSHAI_I. RE GDVERNED AND INTERPRETED IN ACCORDANCE. Whiff FEDERAL LAW AND, TU THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWAR[, WITHOUT REGARD TD CONFLICT•OF•LAW PRINCIPLES. TFIE LAW OF DELAWARE, WHERE WE ANU YOUR ACCOUNTARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR IJSE TFIE ACCOUNT. FOR INFORMATION Ploaso call the Cardmember Service telephono number on your card nr billing statement it you Nava any questions shout your account or this agreement. YOUR BILLING RIGHTS I(eep This Notice Fnr Future tJsc This notir.o contains important information about your rights and uur rr.spnnsihilities under the Fair Credit Billing Act. Notify Us In Casc Of Errors Or Qurstinns Ainul Ynur Bill If you think your hill is wrong, or it you need mare information about a transaclian on your hill, write us on a sr.parntr. shn.ut at the Cardmrmher Srrvice arldrr.ss shown on your billing s[atr.munt. Write to us as soon us possible. We must hear Irom you no later than ti0 days after we sent you the first hill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and oxplain, if you can, why you believe there is an error. II you need more inlorrnation, duscrihu the item you are nut sure about. If you have authorized us to pay your crr.rlit cart) hill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your loiter must reach us at least thruu business days hr:fon: the automatic payment is scheduled to ur.r.ur. Your Rights And Our Ruspunsibilities Aflcr We Reccivr. Vour Written Notice We must acknowlerlya your letter within 30 clays, unless we havr, corructod Ihr: urrnr by then, Within 00 clays, we must either r,orrect the error or oxplain why wu believe the bill was r.orrect. Aftr.r wo receivr. your lemur, wu cannot fry to collect any omnunt you qur.stinn, nr report gnu as delinquent. Wo can continue to bill gnu inr the omnunt you yuestion, including finance charges, and we can apply any unpaid omnunt against your credit lino. You tie not have to pay any questioned amount while we arc invustiyaCiny, but you aro still olrligatod to pay the parts cl your bill that are nut in question. If we find that we made a mistake on your bill, you vvill not havr. to pay any finance charges related to any questioned amoum. If we didn't mako a mistake, you may havr. to pay finance charges, and you will havu to make up any missed paymr.nts nn the questioned amount. In either case, we will send you a statement rf the amount you owe and the date that it is due. If you sail to pay the amount that we think you owe, we may report you as delinquent. However, i1 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 capon you !o That you have a yuestion abuutyour bill. And,wo must lull you the Warne ul anyonr. we rr.pnnud you to. We musttell anyone wr. report you to that the matter has bran settled hr.rwaan us when it finally is. If we don't follow those nrlr.s, wr r.an't ~:nller.t ihr. first 550.00 nl the questinnr.ri amount, even if your Dill was correct. Spr.cial Rules for Credit Cord Purr.hases Page 4 of 6 CN1A12702 I(you hale a problem with the quality of property or sen~ices that you purchased with e 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 aniuunt duo on tht: property or services. This right does not apply to check transactions. There are two limitations on this right: la) You must have made the purchase in your home state or, it not within your home stato, 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 if we own or operate the merchant, or if we mailed you the advertiseurent far the property or services. Copyright ©2007 JPMorgan Chose & Co. All rights reserved. Page 5 0l 6 CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is Juan V. Montemayor (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 anal 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' ature) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~~ttilp at ~ u+ribt~t(~rf~ ~~ '•a,"~' r, ~FF`t~5 Q€ 'nE "E~+IFF Ci~~ €~~ i'~?'1µ':i0~~'F~,~, ~~I~ ~C i -3 ~~ ~~ ~ I Chase Bank USA, N.A. Case Number vs. Paula J. Fenerty 2010-6279 SHERIFF'S RETURN OF SERVICE 10/04/2010 06:15 PM -Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on October 4 2010 at 1815 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Paula J. Fenerty, by making known unto herself personally, at 648 Brisbain Lane, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 October 05, 2010 RYAN BURGETT, D UTY SO ANSWERS, ,.,., y, ~-~,.... RON ~ R ANDERSON, SHERIFF (ci CeuntySuite Sheriff. TeleosofT. Inc. NE P OTK NO i ' ?. U T??R ; 2010 0EE 15 Ply 1: 3 7 t1UMBERL,4yo PENNSYLV COUNTY ANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. PAULA J FENERTY Defendant(s) No. 10-6279 PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR#8616492 CH 1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-6279 PAULA J FENERTY Defendant(s) PRAECIPE TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF Cumberland COUNTY: SIR: Kindly settle, discontinue and end without prejudice to refile the above-captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A. By: BenjW squire PA IWEERG & REIS CO., L.P.A. 1400 g 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 SWORN TO AND SUBSCRIBED before me th's day of 2010 NOTARY PUBLIC No oubNc two G. W" Nov. L6 2014