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HomeMy WebLinkAbout10-6362Payment Due Date New Balance Past Due Amount Minimum Payment 07/17/10 519.840.75 5813.D0 $1,3D5.00 Account number: 4266 8412 1890 2847 Make your check payable to: Chase Card Services. k~lease wnte amou~l enclosed. New address or e-mail'' Pnnt on bacK. 42668412189D28470013050001984075000000000000005 zirgeexzmlo~ MICHAEL BYRNES 1553 THOMPSON LN MECHANICSBURG PA 17055-6731 Ir~rllLrrlllrrrrLlydrLrllrrlrrrl,rllrrrJlrLlrr,IlJrr.ll Irr.Illrlrrlrrlrlrrlrrllrrrl,Ir,rrllrl.Ir„Il,rlrl„rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 (:5000 i60 28~: r~203 L 2 L890 2847 Lll• CHASE ~ ~ Manage your xcount online: Additional contact information www.chase.coMCreditcards convernently located on reverse sitle AGGOUNT SUMMARY Account Number: 4266 8412 1890 2847 Previous Balance 519,547.10 Fees Charged X539.00 Interest Charged tS254.65 New Balance 519,840 75 Opening/Closing Dafe 05121110 - O6I20110 Total Credit Line 522,500 Available Gredit S2659 Cash Access Line 59,000 Available for Cash SO PAYMENT INFORMATION New Balance St9,840.75 Payment Due Date 07/17/' 0 Minimum Payment Due 51,305.G0 Late Payment Warning: If we do not receive your minirnurn payment try the date listed above. you may have to pay up to a 539.00 late fee and your APRs will be subject fo increase to a maximum Penalty APR of 29.991. Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example 1f 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 38 years 544,693 payment 5691 3 years 524,877 (Savings-519.816) If you would like information about credit counseling services, call 1-866-797-2885. Yair credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. Your account is cbsed. Please continue to make monthly payments by the due dale until your balance is paid in full. FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn points by using your Flexible Rewards credit card for everyday purchases like groceries. gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns 1 point For every 51 you spend on purchases. Earn up to an additional 10 points while shopping online through www.chase comhewardsplus. Add authorized users, and sign up !o have your monthly bills charged to your card, too. Why not gel rewards for all those purchases loo? It's that simple. Simply go chasecorn/rewards to choose your reward today! Redeem your paints anytime, or just check out new offers at www.rhasecomlrewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount FEES CHARQED ;. 06117 ~,\TE i EE 39.00 TOTAL FEES =0R TH15 PERIOD 539 00 INTERE9T GHAR®Eq , 06/20 PURCHASE INTEREST CHARGE 127.88 06720 BALANCE TRANSFER INTEREST CHARGE 126 77 TOTAL INTEREST FOR THIS PERIOD 5254.66 8644352 This Statement is a Facsimile -Not an original 0000001 rIS353367~ 000 N Z 20 iD~06r20 Page 1 0(2 OS6Lifi MA !AA 21749 171+00000°0002 1 78 90 7 7( 0050 IN5136'3 EXHIBIT Address Chanye Reyuesf Please provide information below only if the address information on front is incorrect. Street Address: _-__________________- City: --. State -- Zip: -- Home Phone. -_ Work Pfione~. -- -mail Address: __ 8644352 L To contact us regarding your account: By Telephone: ' © In U.S. 1-8C0-9452000 Espanol 1-888~4(i-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD i$GO-955-8060 Pay Cy pnonel$00-436-7958 P.O. C3ox 15298 P.O. box x5153 wrvw chew corn/credltcards Outside US. cal' collect Wlirnlnyton, DE 19850-5 298 Vyirninyton, UE 19886-5153 1-302-594-8200 IMOrmmlpn ADaul Ypur Acepunl Crediting of Payments: Vuu InaJ nlahe payrixllis Try erry ul Ilx optkns 16;ed bekw. The amount of your payment shoulc he at least your minlmun payment due, payable in U.S. dollars ant drawn or payable ihrocph a U.S. financial ins[dulion or the U.S. brawh pf a foreign finanolal inslAdbn. You ovary make payments by regular U.S. nail. Send your payment to the Payments address shaven on this statement. Your paYlnents by mail must comply'.veh the inmmdbrs on this sztzm¢nt Do oat send cash. Wdta war Account number on your aback or money order. paymams nwst be ac9mpanietl by the paYlnen[ coupon in the anvekpa provided wdh cur address visible iMCUgh the envelope window. Ina envabpe cannot contain mom than ne pay'menl or Coupon; and there Can be nn singles, papal c Ips, tape pr correspondenx InMlldtd wlih yonr peymlM. N yppr DaymeM 61n aCtDldaxe W ah Opr payment In5'ractl One and rs made available tp us on am/ coy by 5:00 pan. kcal ikne at our Payments address on this statement. we will cradA the paymaM m your Account as of ttdt may. If your Daymenf is in accomance with our payment instructions, but is made available t° w oiler 5:00 p.m. local time at the Payrnems address en this statement, we vrill credN h to year Aaount as cl the ~xxt calendar day. You may make Daymenm elecironkaly mrough oarwebsite shaven on tMs statement. If we rxeiva your complatetl request on our'.vebsile by 5 D.rr. Eastern Tirx, we will credit your payment as of ifiat jay. 1i we receive yorr request a`ler 5 p.m. Eastem Time, we vvlll credit your payment as d the Ixd calendar day. If you speclly a future date in your request we will cra1N year payment as of that day 1M soma pArbdic rates. Varkbk rotes will vary wnh the market based on the Pdma Rate jar such index described in your ACCeunt Agreemem). There za mininwminterest charge of $1.50 jor such amount descrlhW in your Account Agrr_rneMi In any biahg cYda pv which you owe any Periodic Inkrrst charges, zntl a Irensaction fee for each balance transizr, cash advalwe, or check transadlvn, In the amoums stated in your Account Agreemem, as it may De amended, There ro a foreign nareanion tee of 3 . of the U,S. dolor amount o1 amt foreign tnnsacllon for such amount descrbed In yorr ACCUJM 0.g'eemem). How to Avoid Paying Ime~est on Purchases: We Dagin assessing periodic Interest oharge^, en a trensadan, tae, pr Irteresl oharge from the Oala'rt is added tp your dally balarko uM= your Account e: paid in to I, as describe0 in your 0.cceuM Agreement Your duo date will De a minknum of 21 days follw;ing the close of each bllling cycle. You can avoid per~odk: ilnerest charges on Irw parchasaz wlran that' are first billed to a statenxnt as dascnbad Dekw DM iniadvas net apaly to halarxe harsfars. cash advancesor euardralt advances. li you receivreacurtant momhlysta;ement that lrcludes nmv DUmteses and malmapaymaM ihet ore receive by Ina date and time the Mlnlmum Payment Is due far that malerroM, wa'MII not crarga periodk interest on any vortion or those new purchases that we allocate such payment to, so loop as 1) your curtant statement else sMvrs that we received payment of Ifro ending balance for you[ Drovkaas nxmh's statement by the date and time its Mlninnrm f'aymeM eras due UN 2j that tM ending balance Ipr yar prevbus months stalemenl was zero. II you have a balance ether than a Dumhase balance and that balance conies a h'glm Darktlic interest rate. you may not Ds able to aupitl periodic iderest charges on new prrchases if you Ao net pay your balance In full each month, because rro generally allocate paylrxnis Ilrsl to the balance vent Ilre highest perlWit interest rate. For al other paymams or Ipr cry paymaM type above far •,vhkh you dp Ipt tolmw our Wkat TO D° II You TMnk Yon Flntl A Mlslake On Ydnr StaMmeM payment instructions, crediting of your payments may to delayed for up to i days. Aadunl Inldrmellpn flappded Ip Cnrtllt aureeus: yJe may report informatipr about your Ac¢ounl to credit bureaus. Leta payments, m¢setl payments or other dataul5 on your Account may be reflected In year cratl0 report. If you think we have roported inaccurate iraornwtian to a credo bureau. you may write to us at the Irquuies address slwwn on this statemem. Nollta ADaN Eledrenle Ca9CN Convereldn: WMn ycu pay by checX. wu authorize us eNlxr Ip ass iMormatbn from your chock to mate cone-thee elaclronk turd Iransier from your e,: V unl ur to process the rlaymenl as a clxa:k hallraullun. When we use inlurlnallun Irom your chxk to rreke an ebctrvnk fund transler lands may bs v: nhdavrn frDm your aaouM as sxn as the samz day we rceive your payment, and you will not receive your etxck bask Irom your tlnaxial Institdion. Call the Custeme~ Servi x number on th6 statement f Ycu hauz questions aoeul zlectrank clceck CoezMion w do Trot want your payments rolkacled e:admnically Cpndllarml Peymeab: Any paymaM check or other Corm of payment that you send us for lass than the hill balance dire lflal le harked •DJId in }all" pr epntdlns a allTlldr n0}Jilon, or That you othervise Iarltler In lull satisfaction of a dasDMetl emcunt. must bs sent to Cartl Sarvicas, P. f,. Boa 150d9. Wi~.mingtpn. DE 15950-5049. Wn reserve all our rights regardllrg these paymams )e q.. N N Is determined there re m valid nisnrae nr h any .such chick is rxaivml at any o1Mr address we may accept the check and yea wiN still a'vx any remaiMry bakncef. We may refuse M acx01 arty such paymaM by rstuminp it to you, not cashing II er tlestroyirg N. All other DJYnxnis that ycu maze sheultl be sent to the repdar Pigment address shann on iM1ls siatemaM. Annual Renetral NoNa: If your Aceeunl A9reemoM has an annual membership Ice and yr smNar charge for issuance pr availJDllhy pt your account, It well be billed each year or in monthly or quarlarty inslallmen[s. This lee andor charge era uweU whether or rret yea use your Account, orb you agree to pay them when billed The znnual fee and cnarg<aro r-ralwdable unless you notiy us That you wish to cost your account within 30 days or ene bllling cycle (whichever Is tenet akera'e provide the siatemeM on vnkh the annual lee or charge is billed and at the same time, yoU pay your outstanding balarce f n full. It ypu do ihis.'or a charge bilbd more Ntan than anmlally such as a moMhy sendca charge, you will not w:e the lest bi8etl charge: 'nweveh prkr billed charges are ron-re!undada and must bz Daid as Cad of paying your rnltstalyding balance in lull. Your payrnanl of the annrel tae or charge does rpt affect our rights to cbse your Account and to Ilmit your ripM to make Transactions on your Account. If pear Account is clpsed by you pr us, ws wBf continue to impose the annual tae ard'Dr charge uM I you pay your pdmandinp baknce in lull and izrmirale yrour Account relationship. Calculalltln of Balance 8ubled Id IMenN Rant: Tv figure your periodc interest charge breach billing uyzk when a dally periodic ra4cis; apDlles, ore use the dairy balance rrethod linchuoing curtant Iransa[tlons). To figure your penMlc inlaresl ctarges for each billing cycle when a mon[INy periodic 'at¢(sl applies, we ase [Ire average daily Daknce method including current ImnsaMlons). Far an ezplanatbn nl eitner method, pr questions atwM a partkukr merest Lharge calcula:br on your stalemem. please call us at the :oh Irx container sarvire pvone camber listed above. We aalcwate Drrkdlc Interact charges, using [ne apDlizabk peripdic ratty snawn on TMs s[alamaM, separaldy Tar each feature (e. g., hakrr:e Uansler p'xcks ant Leah ddsnce checks t'cne<k Iransactkn-l, purchases. Daknce tranMere, cash atlrances, promotbnal balences or ovreMrah advances). These calcuktkns may combine different catsgranes ~wiM I1 )oU think iherE t9 an error pn ypUr mdlemeM, Wllte to u5 on a Separate shtel at CUSlomer Seance. P.D. Bpz 15299 Wilmington, DE 19850-5299: In yaw lelttr, yive us tiro luapwlllq tnlur nation'. • Acco;nt Information Your name and Account number • Dolmr amoum: rnt dmkr amopn pl the npapettetl crmr. • Cescriptlon of Prcblsrn: It youtniMCihero pan error onyeur bill, describe what yea believe is wrong and vein/ you believe a Is a mistake. Ypu m<~ epMaM vs within 00 days aRer 1M error aDDaarad on yorr statement. You must notify us cf erry potential errors in wrnirrp. You may Cell us, out d you dp we are ml requked to nvestigata arty potemial snore and you may have to pay 1M amount in quesden. W hila wa investigate whetter or rdthare Yes been an error. the tdbwing are true: • We cannot try to tolled :he amount in Tuest'lon, or report you as delinquent on that amoaM • the charge in questien maY remain on your slaMment. and we may continue h charge you merest on tot amount. Btd, N we tletermine that rre made a m$:ake, you will not hauz to pay iha ampunl In quzstbn or arty interest or other lees relslec M that amount. • While you tlp not have to pay the artwunt in ques[bn, you are responsible far Ina remainder of your potence. • Wean apply any unpaid amount agansl your credN Ilmit. Ypur RIgMt 11 Yotl An Bbutlatlad WIM Yom Credtl Card Puchasea If you are dissatisiletl with [le goods or services ihal ypu have purchased with your credit card. and you have triad Y good taAh to correct the problem whh the memhant, you may nays the right rwt to pay the remaining anaunt due en the purchase. To use this rignt. aN d the'oNmring mull M IrUe: 1. The purchase moat nave been made in year heme state or wnnln 100 miles of your minenl mailing address, and the ptlrctlase price must have bean more than $50. (Note'. NeNnn d inane arc nxessary it your purchase was based vn an advertsemaM we .mailed ro you, pr rf we own the company that sped you tM goods cr servkes.l 2. You nwst have used you- cretlA card Tor the Ruchase. Purchases rnatle vnlh asn advances Irom an ATM yr wnh a check Ihet accesses your credit card AecouM do not qualify 3. You must not Bret have fatty pale for tna purchase If all d the cMeda above are met and you are still dasatlslled vvnh IM purchase, contact us in wnhng et ;;ustorer Servke. PU. Box 15799 Wilmington, UE 19 550-52 99'. Wldla we Invastigala, da sanx rules appy m the disc Mad anwunt as discussed above. Altar we finkh par Investlpatbn. 'we will tell you our decision. A! tNt point, H we think you owl an amcunt andyou do no! pay w5 may rapod you as delirpuant. Mqt 202009 Statement Date: 05121/10 - 06/20/10 Account Number. 4266 8412 1890 2847 Page 2 of 2 2010 Totals Yaar-to-hats r- Total fees charged in 2010 539.00 Total interest charged in 2010 5655 53 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 Type 31 Days In Cycle Interest Rate Charges Charges Purchases 15.24 % (v) 59,880.58 5127.88 S0.00 Cash Advances 19.24 % (v) SO 00 50.00 S0.00 Balance transfer 15.24 % (v) 59.794.48 5126.77 SO.DO !v) =Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases. and other important information, as applicable. 8644352 This Statement is a Facsimile -Not an original K 01100001 FI53333805 000 N Z ZO 10iCi6i'd0 Paget aft 65686 MA W+2']~9 1]I1G000050002~]~9n2 Payment Due Data New Balance Past Due Amount Minimum Payment 07/27/10 514 x05.59 S895.00 $1,183.00 Account number: 4147 2020 2186 8862 w, Make your check payahle to: t ~ Chase Card Services. 4 ~ Please write amount enclosed. New adtlress or o-marl? pnnt on oack. 4147202021868862001183D001440559000DOOOOOOOD008 '.7888 BE% Z 1 E310 ~ MICHAEL BYRNES 1553 THOMPSON LN MECHANICSBURG PA 17055-6731 Irrrlll,rrl IlrrrrLlrrLlrrllrJrrrl,rllrrrrll,lrlr.rll,l,.dl I.,.Illrlr,Irrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 28f: 3 5 9 20 2 18 688 6 2811' CHASE ~ O Manage your account online: Additional contact information www.rnase.comrcredltwrds conveniently located on reverse side ACCOUNT SUMMARY Account Number: 4147 2020 2186 8862 Previous Balance S14,062.24 Purchases *5304.00 Fees Charged +539 00 Interest Charged +50.35 New Balance 514,405.59 Opening/Closing Date 06/03/10 - 07/02,'10 Credit Access Line 514 600 Available Credit S194 Cash Access Line 52.920 Available for Cash SO PAYMENT INFORMATION New Balance St4.405.59 Payment Due Date 07/27/1 ~ Minimum Payment Due 5288.00 Pest Due Arnounl 5895-00 Total Minimum Payment Due 51.183.00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have [o pay up to a S39.00 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 take you longer to pay off your balance. For example: If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using This card and this statement in total of... each month you about.. Pay... Only the minimum 35 years S32,494 payment 5502 3 years 518.063 (Savings=514,431) If you would like info rrnalion about credit counseling services, call 1-866-797-2885. The charge privileges nn your credit card account have been revoked. You no longer have the ability to use your credit yard account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due dale. FLEXIBLE REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cash; or rn erchandise. Remember, you can New Total Points Balance 0 earn points by using your Flexible Rewards credit card for everyday purchases like groceries, gas, and drugstore purchases. Your Chase Flexible Rewards credit card earns ? point for every S1 you spend on purchases. Earn up to an additional 10 points while shopping online through www.chasecom/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card, too. Why no[ get rewards for all those purchases loo? It's Iha[ simple. Simply go chasecorn/rewards to choose your reward today! Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount ±PURCHASES. GSl27 Returned Payment 304.00 FEES CHARGED Gtii22 F.C 7UkfJED ~A YGAENi FCC 3g 00 TOTAL FEES FOR THIS PERIOD 539.00 r INTEREST GHARGED 864435306/'22 PURCHASE INTEREST CHARGE 3g TOTAL INTEREST FOR THIS PERIOD S0.35 This Statement is a Facsimile -Not an original 0000001 1153333a J9 000 N Z 02 1007/02 Payel oft 055De MA M17A 1S8ail ~o3~OW0090001AD0D01 .{ wso EXHIBIT v Address Chanye Reyuesl Please provide inforrnalion below only if the address information on front is incorrect. Street Address: ^_`---^^----^^^-^^-^--__- City --------------^-- State: -- ZiP: ----- -^-- Home Phone. ^^- --_ .-^- Work Phone: --^ -^- -^^- Email Address: -__-__ __ _. 8644353 L To contact us regarding your account: By Telephone: ' In U.S. 1-800-945-2W0 Espanol 1-888~4ti=1308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-8C0-955-8060 Pay :,y pnonet-800-036-7958 P-O. f3ox 15298 P.O. 6ox'5153 www.chase.cornlcredltcards Outside U.S. oaf collect Wmnington, DE 19850-5298 Wlhnington, DE 19886-5153 1-302-594-8200 Inlgrmmlon About Your Anxounl CN°Iling of Payments: Yuu (nay make Vaynrellls b/ arty ul the pprbrn Ib:ed bebw. The amount of year DaymeM slcule be at kart }roar minimum payment due, Gayable in US. dollars and drawn or payade mrough a U.S. ilrnneiai institution or the U.S. bralrch aF a loraign flnarolal in511mtbn. You may n-ake paymentsM regular U.S. nniL Send your paynrenl to the Payments address shown on This statameM. Ymu ODYmems by mall must comPy'r+nh the kstructbns on this statement. Do not send cash. Write ycun Agcount numher on your check m money urdm. Paymems must be ac.nnpanled by the paynant couDen in the enveleDe provided wmt our atldress visible through ma envelope windovr Iha envabpe canrpt contain more than otk pay'menl or cauDgn: and theta can fre no staples, paper clips, tape ar correspondenx Inchded with your payment. It your paymem k in accordance wnh ear payment instructions and Is made avaiktk to us on arty coy by 5:00 p. m. beat time at our Payments address on this statement, we'.vlll cretla the Cayment to your Aaount as of that day. If your payment is in accodance with our payment irrsr-uctions, but is rude awilabk to us attar 5:00 Dm. local tlnro al the Payments address m Ihls statement, we vdB credN h to your Aavunt as of the Icyt rakndar day. You may mike paymantsnketronkafy through oarwabsAe shown on min statement. If •,ve receive your complaten r~uesl on our yvebsile W 5 p.rt. Eastern Time, we will credit your payment as of that day. If we receive your request otter 5 p.m. Eastern Time, we ~,rlll credit your payment as of the led calentler day. If you specily a future date ~n your request we will crsdA your payment as of that day the same pe~bdic rates. Varlabb rates •wlll vary ^.vith the markm based on tM Prime Rate wr such index describedbyour Aceoum Agreemer.). There namiNmrm interest charge el $1.50 (or such emouM described In Vour Account AgreemerAl In any billing cycle in wMCh you awe any periodic interest charges, and a transaction fee for each bakltce transfer, cash advance, or check transadion, In IM amounts slated in your Account Agreement, as A may be amended. Them is a foreign «arrsactbn fee 0134: d the V.S. doNar amount vl any lorelgn trensacllon (or such amount descdbed In your AccaJM Agreement). Haw m Avoitl PaYinq Interest on Punchasas: We begin assassirry Dmicdic (merest charges en a transaction. fee, or irterem charge rem Ina dab tt is adtled to your daffy balarwe ant I your Aceoum s paid in fu I, as described in your Aceeunl AgrxmenL Your duo dale will De a minknun of 21 days following tM close of each billing cycle. You can avoid Ixr'~.odle uderest charges on IrevJ pumhasas when ihsy are first billed to a stalerreln as described bebw, btrt this does not apoy to nalana trorlsters. cash advances or everdraN advances. a you receive a tartaric moMMy statement that Inclutles new Dumhases ant make a payment that we receive by 1M date and time the MMlmum Payment Is due for coat statement, we will not charge periodb Interest on any portion of those nevi purchases Mm we allocala such Oaymenl to, so long as 11 your tartaric statement else shows that we received payment m the ending balana for your Drevbua month's statement by the date and clog its Minimum Paymem was due UH 2j that Ilw ending balance for your previous npnih'S slatame'll v es zero. II you have a balance other than a purchase balance and that oalance tertian a hgher parbdle (Merest rata, you may not Da able to avoid padwlk Ir,Crasi charges on new purchases rfyou do not pay your balance in full each month, because we gercralty allocate paynxnls lirm to the balance with the highest periodic interest rate. For al other payments or for any oaymem IYDa above for ~,vhlch you do net igllo•.v our WMI 7o bo II You TMnk You Plntl A Mislakn B° Your SnbmeM payment instrctions, crediting of your payments maybe dNayed for up to 5 days Account Ininrmelbn Reportntl b Cntlit Bureaus: NJe any report inlornn'lor annul your Account to cretlil bureaus, Lata paYmeMS. messed paymems or dhar defaulb on your Account may he relkcted in year ctecN report. '.f you think we have rspodetl inaccurate inlornntion to a credo bureau. you may write to us at the Ilpuiries atldress sfpwn on this statemem. Nollp pbpul Elennnk Cbeek Conaroralan: When you pay by clreck. you authorize us anher to use Informatkn from your shack to make a om-time electronk land transfer Irom your vu•n m lu urocess :he rvaynlerd as a clax:k Irenrdbn. Wlrerr we use infonnatbn hmn your check to make an ekctronk fund transfer lands may be withdrawn frog your account as son as the lama day we rxeive year paymen?, and yqu will not receive your clae+-k back from yrour financial instifntlon. Call me CUStome•Servix number on this statement f you have questions abed alectronk check coNrctipn pr do Ito[ warn ypur payments collected elactronkaNy. Condtlarnl Paymanb: Any payment check or otnpr form of payrnem Thal you sentl us fof less than the hIN Dalalrsa tlrro that b maYSad `paid In tali" cr contains a slmitar notation, or that yea otherwise carder In full salisfamicn of a dk:puted emouM, must De sem ie Card .Servicxs, Pf. Box 15049, WiinAlrgmn. DE 19550-5049. We reserve all otu rignls regardng iMU payments a p.. it a is determined them is ro valid dknlAe nr p any such rheck Is recefvarl al any other address we may ausDt :he check and you soffit still pW0 any remaining baknvei. We may refuse lv accept ant such payment by raluming it Io you, net pshirg it or destroying it. All other Daynrenis that you ma<e slrould he sem to the regular Payment address shorvn on this statement. Annuel Renewal Nolen: II your Aceoum Agreement has an annual membership Ice and' er similar charge for Issuance or avallanllAy of your aecoum, it will ba pilled each year or in monthly or quarledy installments This fee andor charge are owed whathm or rct you use your Account. and you agree to Day IMm vrhen billed. The annual fee and charge am rrelwdable smkss you notify us that you wish to cbse your zccount within 90 days or one hNling cycle (whichever Is lessl abet we provide tM slateneM on vnkh the annual lee cr oharge is billed antl at iM same time, you pay your outstanoing balark:e In toll. II you do cols. !or a charge bilbtl more often than anvlaliy such as a momhy sarvke charge, you will net ovm the lest biNetl charga, Ilosvever, prior billed charges are non-refundada and must be gold as Dad of paying yota ouhbrding baance hr lull. Your Vaymant of the anmel Ise or charge tloes not attecl our rphts to cbse your A;.muM and to Ilmn your right to make transactions on Yvur Accvun[. It your Account is closed by you pr us, we will cvmirue to impose tea annual lee ardror charge until you pay your oMSlandinp Dalence in lull and lirminate yU Jf Arconm relxlonSDlp. Cakuladgn of 8alancw Subtxl to Inland Rob: To figure your perbtlic Inbrest charga for each billing yde when a daily periodic mtgis; applies, eve use me daffy balance ncthod including currsnt transactions). To figure your Cedetlic interem charges for oath bilNng cycle .when a monthly periodic :ate(sl applies, we rn the average dotty baance ncelhod jincluding currant tmnsamiens). For an explanatbn of eitnm method, or questions adod a particubr interest charge calcula:bn an your statenr<M, please rill us at the toN tree customer service Dnpne number listed shave. We calcu~ete prrbdic rnterasl charges, using the apDNsaDk pentode rates shrvm on this s[atemnnrc, separately for each feature (e ,}, baance «arslx c'secks ant rash atlvan;a checks r'~heck transadbn'I. purchases, balance ironslers, cash advances, promolbnal balances or overdraft avvances). Thasa calcn}albns may combine diRerent catagodes with f yvg think there i5 an ewgr qn ygUf 6ldllmeM. Y!(It< to US Ore a SEDarale Sheol al Cp5loenH Sendce, P.0. Box 16299 Wllmingron, DE 19850.5299: In your letter, give us Ifn IuNuwirq kdanwtiura: • Aao.mt information: Your name antl Account numher. • Dollar amount: The tlolkr Amount of Ina suspected error. • Oescriptlen of Prcblem:Il you think there is an erroron your bill, tlescrtbe what you Oellave is wrong and why you bellere A 19 a miatake. You must contact rrs within fi0 days attxlhe error appeared on your statement. You must ndAy us of ant pdemial errors in wrdirq. You may Call us, out N you do we are rot required to nvestpan ant pokmlal enrols and you may have to pay the amosrm In question. While we invastlgln whether or rot there Ins been an error, the tdbwmg aratrua: • Wecannol trV lv collect:he amount it queshvn, or report you as delinquent en mat amaum • the charge in question may remain pit Mar statement and we may continue n charge you merest on r`nt amcunl. BJI, If we tletermine that vas matls a rn6take. you'wlll not have to pay Ne anuunl in questbn or cry Interest or other fees relates m [tot amount • WMIa you do not have to Day the annum In questbn, you are responsible for the remailder of your aalance. • Ws can aDCN any unpaid amount against your cretlH IimN. Your Rlgats II You Are Bissatlsped WItA Your Lretlll Cab Pu¢batet I/you are dissatislletl with the pootls or services that you have Durchasetl with yam crMA card, and you have tratl in good faun to correct the pmtrlem wnh tM nwmhart, you +nay hays the right rpt to Day the remaining amount due en the purchase. To use this right, all d me'ollowivg must ba ime: 1. The Durehase must have been made in your hems stare or within 700 miles of your current mailing address, xnd the ptlrotase price mrrs( Nava bean more than $50. (Nate'. Neither d thane are nxessary it your purchase etas based on an advensemeM we naihd to you, or It we own the compam/that sold you the goads Cr SerYbe3.l 2. You must have used your credo card for the purchase. Purchases Inada with ash advances from an ATM >rvah a check that accesses your cradle ,~rd Aceoum do not qualify. 3. You must not yet have fairy Dail for the purchase If all d the crnena above are mat and you are still dissapsfled wnh IM purchase, contact us in wrihnq at i:ustpr'nr Service, Y.U. tlwY 15299 WBmfnglon, Ut 19550 5199. Wldk we Im+astlgala, the sank rules appy le tae disCmad amount as discussed abns'e. Alkr we finkh our Investi(ntbn. we wiN tell you our rlens+on. At that point, A we think you o',ve an amount and you do not Day we may rapod you as dellmauent. h1A?202009 Statement Date: 06/03110 - 07!02/10 Account Number-. 4147 2020 2186 8862 Page 2 of 2 20idTMalsYaardn-date Total fees charged in 2010 539 00 Total interest charged in 2010 5365 93 Year~to-date totals reflect all charges minus any refunds applied to your account on or after January 3L. 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days In Cycle Interest Ra[e Charges Charges Purchases 15.24% (v) 50.00 S0.00 SO ~)0 Cash Advances 19.24 % (vJ 50.00 50.00 S0.00 Balance transfer 15.24% (v) 50.00 50.00 S0.00 (v) =Variable Rate Please see lnformalion About Your Account section for the Calculation of Balance Subject to Interest Rale, Annual Renewal Notice How (o Avoid Interest on Purchases, and other important information, as applicable. 8644353 This Statement is a Facsimile -Not an original Y 0000001 FI538338 D 9 D00 N Z 02 10~D7i D2 Paye 2 oft 08680 MA PM 1.1888 1d31D000090001.188d0? C MA 12762 CardrrAember Agreement ACCEPTANCE OFTHIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containingthe card forthis account. Any use of your account is covered bythis agreement. Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for alltransactions made on your account, as well as anyfees orfinance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other persons) to pay. Please sign ttte back of your card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account far any purpose, even if you don't sign your card. Whetheryou useyouraccountornot,youwill be bound bythis agreement unless you cancel your account within 3g days after receiving your card and gnu have nut user] your account for any purpose. Throughout this agreement, the words "we", "us" and "our" mean Chase Bank l1SA, 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 personwhoagrees to be {table onthe account.Theword"card" means one ormore cards or other access devices, such as account numbers, that we have issued to permit you co obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall be used only far personal, family or household purposes- Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use year account only forvalid and lawful transactions. For example, Internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible or contemplated under this agreement. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a wayto useyour account. We also refer to Them in this agreement as a chock or checks. You may use a check to pay for goods or services, to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer halancr.s to this account from other accounts with us or any of our related companies. Only the person whose Warne is printed on the check may sign the check. Cash advance checks are treated as sash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We may twat checks thatwecall convenience checks as bafancetransier checks. However, checks thatwe call convenience checks and that we indir.ated to you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates and fees. • BalanceTransiers: You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting [he card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers orfor similar batting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: In orderto manage your acr.ount, we divide time into periods called "billing cycles". Each billing cycle is approximately one month in length. Far each calendar month, your account will have a billing cycle that ends in that month. Your account will have a killing cycle ending in each calendar month whether or not there is a billing staternont for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account. If you do so, this account may appearon the credit report otthat authorized user. You should !kink carefully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You will remain responsible forthe use of your account and each card issued on your account according to the terms of gtis agreement. This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. If you notify us, we may close the account andJor issue a new card or cards with a different account number You should also recover and destroy any cards, checks or any other means of access to your account horn that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit. Your billing statement may also show that only a portion of your credit line maybe used for cash advances, Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track Page 1 of 6 of your account balance, including any fees and finance charges, and making sure n remains below your credit line. If your account balance is over your credit line for aay reason, we may charge you an nverlimit tee as described in this agreement. We may. bni are not required ro, authorize r.hargrs that qe over your credit line. You must eery any amount over your credit line, and gnu mtrsC pay us immediately IS we ask you to. This agreement applies to any balance on your account, including any balance ov•_^' your credit line. At our discretion, we mayincrease, reduce,or cancelyourcreditline,orthe cash advance portion of your credit line, at any time. However, if you have asked us not m do so, we will notincrease your credit line. A change to your creditlinewili not affect your ob{igatiur to pay us. International Transactions: Internaticnal transactions include any transaction that you make in a foreign currency orthatyou make outside of the United States of America raver if it is made in U.S. dollars. If yorr make a transaction in a foreign currency, Vise International or MasterCard International, Inc., will convert the transaction into U S. dollars by using its respective currency conversion procedures. The exchange rate nar,l entity uses to convert currency is a rate that it selects either from the conga of : ate~a available in the wholesale currency markrts for the applicable processing date ;which rate may vary from the rate the respective entity itself receives], or tYu; government-mandated rate in effector the applicable precessing date. the race In effect onthe applicable processing date may differtromtho rate onthe date you useri your card or account, We reserve the right to charge you an additional3 % of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U S dollars or was made in another currency and converted to U.S. dollars dy Visa or MasterCard. In eithor case,ihe 3%wiN bu calculated on the U.S. dollar amo~.mt provided to us by that entity. 1"he same process and ;barges may apply if any irrternati;nza transaction is reversed. Refusal to Authorize Transactions: We may, but are not required to, decline a iransactinn nn your account for any of the following reasons; • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other mason. We are not responsible for any losses if a transaction on your account is declined (or any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with. ac authorization system that wa select. We wiU notify you if we want you to register. If yoc do not register, we may decline your online transactions. Refusal to Pay Checks: Each checkyouwrite is your request for funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are notrequlredto, rejoct and return unpaid a check for any ieasoi:, including the following examples: • We or ono of our related companies is the payee on the check. • Your creditline orcash advance portion of your credit line has bemr exceeded, or would he exceeded if we paid the check, • The checkispost-dated. If apost-dated check is paid, resulting in another check being returned or not paid, we are not respcnsible. • You have used the check after the date spcrifled un it. • You are in default ur would bu if we paid tfie chuck. Lost or Stolen Cards, Checks or Account Nmnbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by caking the Cardmember Service telephone number shown on your card or billing statement. Dc not use your account altar you notify us, oven if your card, chuck, accoum number or other rnean5 to access your account is found or returned. We may terminate of suspend gout credit privileges when gnu notify us of any lass, theft or unauthorized use related to your account. You may be liable if there is unauthorized use of your ar,r.ount from wiur,l, you receive no benefit, but you will not ba liable for more than 550.00 of such transactions, and gnu will not be liable for any such transactions made after ycu notify us of the loss, ;haft or unauthorized uso. However, you must identify for us the unauthorized charges from w'iich you received no benefit. We may require youto provide us information in writing to help us find put what ha;tpened. We may also require you to comply with curtain procedures in connection with oar investigation. PAYMENTS Payment Instructions: Your pilling statement and accompanying envalcpe include instructions you must follow for making payments and sets forth :he date and tuns oy which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or thn U.S. branch of a foreign financial instituion using a payment chock, moneyorder or automatic debitthat will be processed or honored by yourllnancial institution. We will not accept cash payments. Your total available credit may oat be restorod for up to 15 days after we receive your payment. Any payment check or other form of payment which you send to us for less than the full balance that is marked "paid in full" or with a similar notation otthat you othervise tenuer in full satisfaction o1 a disputed amount jconditional payments), must be sent to us at thr: conditional payments address listed on your monthly statement We reserve ail our rights regarding such payments. For example, if it is determined thore is no valid dispute or if any such payment is received at any other address, we may accept the payment anti ycu will still owe any remaining balance. We may refuse to accept any such f:ayment L~r returning ii to you, not cashing it or by destroying it. All other payments that you crake should be sent to the regular payment address shown nn your monthly statements. EXHIBIT We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your autfrorization far us to collect the amount of the check electronically, or, ii needed, by a draft drawn against the bank account. Payment checks will be collected electroniually bysertdiny the check amount along with the check, routing and account numbersto your bank.Your bank account may be debited as early as the same day we receive your payment. The original payment check will be destroyed and an image will be maintained in our records. Minimum Payment: You agree to pay at least the minimum payment due, as shown on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and rnay pay the full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooner you pages, the lessyouwill pay in finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance Qhe "New Balance" on your billing statementl. It the New Balance is S10.00 or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: S1D.00; 2% of the New Balance; or the sum of 1 °/ of the New Balance, total billed periodic rate finance charges, and any billed late and overlirnit fees. As part of the minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and cralits to balances with lower APRs (such as promotional APRs) hetcre balances with higher APRs. Credit Balances: You may request a refund of a credit balance at any time. We may reducethe amount of any credit balance by the amountof new charges orfees billed to your account. Automatic Charges: You may authorize a third party to autmnatically charge your account for repeat transactions (for example, monthly utility charges, memberships and insurance premiums). If automatic charges are stopped for anyreason lincluding because your account is closed or suspended for any reason) or your account number changes you are responsiblefornotifyingthe billerand payinythese charges directly. If your account number changes, we rnay, but are not required to, pay from your new account number charges that you authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account. {f we do, we will notify you about the forms of the offer and how long they will be in effect. Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ("APRs"1 and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this docurnunt or provided separately. To get the deity periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that applyto your account mayvary with changes to the Prime Rate. When you have an APR that varies with changes to the Prirne Rate, we calculate the APR by adding a margin to the Prime Rate published in The Wail Street Journaltwnbosiness days beforethe Closing Date shown on your hitting statement. The "Prime Rate" is the highest (U.5.) Prime Rate published in the Money Rates section of The Wa!lStreerJournal. if The Wa/l StreetJoumalstopspublishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A "margin' is the percentage we add to the Prime Rate to calculate the APR. A "business day" is any day that is not a weekend or federal holiday The Rates and Fees Table shows which rates, ii any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to yet the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Hate 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 cootie the calculation. If the daily periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed on this account or any other account ar loan with us, at least the minimum payment due by the date and lima due. • You exceed your credit line on this account. • You make a payment to us that is not honored byyour bank. It any ofthese events occurs, we rnay increase the APRs lincluding any promotional APR) on all balances iexcluding overdraft advanced up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults on your account; other indications of your account usage and performance; information about your other relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus. The default rate will take effect as of the first day of the billing r.yr,le in which the default ocr.urs. It we decide not to increase your APR oven though [hero is a default or if we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Finance Charge Calculation -Average Daily Balance Method (Including New Transactions): We calculate periodic finance charges separately for each balance associated with a different category of transactions Ifor example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). Those calculations may combine different catepories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of those categories, each day. You may have overdraft advanres only if you have linked this acrount to a checking account with one of our rata±ad banks. We calculate the periodic finance charges forpurchases,balance transfers, balance transfer checks, cash advances, and cash advance checks subjectto a prernntional rate the same way, but we use the promotional rate, To get the daily balance for each day for each category: We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charyes, and debit adjustments that applyto that category. We add a new purchase, cash advance, balance transferor overdraft advance, if applicable, ro the daily balance as of the transaction date, or a later date of our choice. Wa add a new cash advance cher.k or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date cf our choice. • We subtract from that halance any payrnunts, credits, ^r credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance of zero. 7o get the beginning balance for each category for the next day, we add the :i~.ily periodic finance charge to the daily balance. If rnoru than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of its average daily balance, we will use the d-dily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate tbn daily periodic finance charge each day. This agreement provides for natty compounding of finance charges. To get the total periodic finance charge for the billiny cycle, we add ap of the deify periodic finance charges far each category for each day during that billing cycle. However, if any periodic finance charye is due, we wil4 charge you at least the minimum periodic finance charye stated in the Rates and Fees Table. If it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billiny cycle. The total finance charge on your account fur a billiny cycle will be the sum of :he periodic finance charges plus any transaction fee finance charges. For each cateyorywe calculate an average daily balance (including new transactional for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balanr,e for a cateyory bythe applicable daily periodic rate, and multiply the result byti e number of days in the billing cycle, the total will equal the periodic finance cnaryus fur that balance attributable [other billing cycln, except for minor variations due to rounriing, Grace Period andAccrual olFinance Charges: We accrue periodic finam:e charyes on a trensaciion, fee, or finance charye from the date it is added to your daily balanr,e until payment in full is received on your account. However,we do not r,hargs periodic, Iinance charges on newpurchases billed during a billing cycle if we receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or "grace period" applies only to purchases and does not applyto balance transfers, balance transfer checks, cash advances, cash advance checks nr overdrah advances, if applicable. Transaction fees for Cash Advances: We may charge you a cash advance tee in the amount stated in the Rates and Fees Tad'e for cash advanr,e checks and cash advances. In addition, if you use a third party service tc make a payment on your hehalf and the service charges the payment to this account, we may charye a transaction fee for the payment. These transaction Sues are finance charges. We add the foe to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be addr:d to your cash advance balance. Transaction Fees torBalance 7rans(ers: We may charge you a balance transfer im:~ in the amount stated in the Rates and Fut;s Table for halance transfer r,ner,ks and balance transfers. These transaction fees are finance charges. We add the fee to the halanr.e for the related category as of the transaction date of the balance vansfer. For example, a transaction fee for a balance transfer woulc he added to your balance transfer balance. OTNER FEES AND CHARGES We may charge the following fees. The amounts ofthese fees are listed In the Pates and Fees Table. These fees will he added to the balance for purchases made d.uiny the billiny cycle. Annual Membersfiip Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments las stated in [he Rates and Fees Table 1, whether ornotyou useyouraccuont, andyou agree to payi[when billed.The aanunl Page 2 of 6 CMA11762 membership fee isnon-refundable unless you notify us that you wish to close your account within 30 days ofthe datewemail your billing statement onwhichthe annual membership tee is charged and atthe same time, you pay ya;r outstanding balance in full. Your payment of the annual membership fee does not affect aurrightto close your account or limityour right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual membership fee until you payyour outstanding balance in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge tfte late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we calculate the late fee using the Previous Balance on the current month's staternentthat shows the late fee. This balance is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Overlimit Fee: If your account balance is over your credit line at any limo duriity a billing cycle, even if only for a day, we may charge an overlimit foe. We may charge this fee even if your balance is overthe creditline because o1a finance charge orfeewe imposed or a transaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: If (a) your payment check or similar instrument is not honored, Ib) an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: if (a)we stop payment on a cash advance check or halanr.e transfer check at your request, or Idl we refuse to pay a cash advance check ar balance transfer chock, we may charge a return check fee. Administrative Fees: If you request a copy of a billing statement, safes draft or other record of your account or i( you request two or more cards or any special services Ifor example, obtaining cards on an expedited basis), we may charge you for those services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you request for a billing dispute you may assert a yainst us under applicable law. We may charge, for any services listed above and other services we provide, the tees from time to time in effect wfreri we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at least the minimum amount due by the date and time due as shown on your billing statement. • You exceed your credit line. • You fail to comply with the terms of this agreement orany agreement with one of our related companies. • We obtain information that causes us to believe that you may he unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2°/) a month on the unpaid balance when we deem your account to be six ar more billing cycles past due. To the extent permitted by law, if you are in default because you (rave failed to pay us, you will pay our collection casts, attorneys' fees, court costs, artd all other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we teas require that you confirm your request in writing. We may close your account at any time or suspend your credit privileges at any time for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to us upon request. You will continue to be responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, wt: teas require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES TIDE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BHING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NDT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY AN.YDNE ELSE, OH BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OFTHfS ARt3iTHATIDN AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FlL[D IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIGHTSARE WAIVED. Binding Arbitration. This ArbitrationAgreement ismade pursuantto a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Actlthe "FAA"), 9 U.S.C. § t-I6 as itmay be amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims fas defined belon,~i may be resolved by arbitration instead of being litigated in court. Parties Covered. Forthe purposes of this Arbitration Agreement, "we", `us",and "our" also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, ernployuus, ayerts, and assigns orany and all oithem. Additionally, "we", "us"and "our" shall include any third party providing benefits, services, or products in rnnnection with the Ar.r.ount lincluding but not limited to credit bureaus, merchants that accept any r,redit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debtcolloctors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named byyou as a cu-defendant in any Claim yr.u assert against us. Claims Covered. Either you or we may, without the other's consent, oleo mandamry, binding arbitration of any claim, dispute or controversy by either yon.; or us against use other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents o~ assigns of the other, arising from or relating in any way to the Cardmemher Agreement, any priorCardmernherAgreement, your credit card Account orthu advertising, application or approval of your Account ("Claim"). This Arbitration Agrgernant governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tcrt common law, constitutional provision, or any legal theory of law such as respandeat superior, orany otherlegal or aquitableground and whether such Claims seek as remedies money damages, penalties, injunctions, or dec{aratory or equitable relief. Claims sui~jer,•. to this Arbitration Ayreernent include Claims regarding the applicability of this Arbitration Agreementorthu validity of the entire hardmemberAyraement or any prior Cardm~m,^,e~ Agreement This Arbitration Agreement includes Claims that erase in the oast, c~ arise in Cha present or the future. As used in this Arbitration Agroernent, t^,a term Claim is tr, be given the broadest possible meaning. Claims subjectto arbitration include Claims that are made as counterclaims, ci oss cL;inis, third party claims, interpleaders or otherwise, and a party who initiates a prnr,r.r:din,• in court may elect arbitration with respert to any such Claims advanced in rile lao~.s:;it by any party or parties. As an exception to this Arbitration Agreement, you retain the rieiit to pursue in e sm:al claims court any Claim thefts within that court's jurisdiction and proceeds r.n an indiv;duai basis. If a party elects to arbitrate a Claim, the arbitration will bo conducted as an individual action. Neither you nor we agree to any arbitration on a lass or representative basis, and the arbitramr shall have no authority to proceed on such basis. This means that ever it a class action lawsuit or other representative action, such as that in the form of a , rivata attorney general action, is filed, any Claim between us related tothe issues raked u~ such lawsuits will be subjectto an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual acfion under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs nr your trustee in bankruptcy or (2J those brought by you and any co-applicant, joint cardrnumher, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party filing a Claim in arf:itration roust choose one rf the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. T!;u administrator due not conduct the arbitration. Arbitration is conducted under the n;lr.s of t~~~e sulucte;l arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing the' you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial distrir.t in which yu~.; reside at the time the Claire is filed, or at some other place to which you and we agree In writing. You may obtain copies of the current rules of each of the rr~u arbirratior administrators, information about arbitration and arbitration fees, and insvuctions Ier initiating arbitration by contacting the arbitration administrators as fellows: American Arbitration Association, 335 Madison Avenue, Floor '0, New York, Ny' 10017-4605, Web site: www.adr.org, 800-]78-7879; or National Arbitration Forum, P.O. Box 5D191, Minneapolis, MN 554D5, Vl'eb site: www.arbitration-forum.com, BOD-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitratorwill either be a lawyerwith at leastten years experience or a retired or formerjudge. The arbitration will be conducted underthe applicable prnr.edure,s end rules of the arbiVation administramrthatere in rffact on [he date the arhi~rmion is filuri unless those procedures and rules are inconsistent with this Arbitration Agreement, ir, which case this Agreementw'dl prevail. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law conslstont with the FAA and applicable s~datutes of limitations, and will honor claims ~f privilege recognized at law. You may choose to have a hearing and be r::presemed by counsel The arbitratorwilltako reasonable: stepsto protect customer Account inforrnaticn and other conildential information, including the use of protective orders to prohi'.ti disclosure outside the arbitration, it requested to do so dy you or us. The arbitrator will have the power to award to a party am/ damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relies, the arbitrator may award punitive damages or atCOrney fees. Tho arbitrator will make any award inwriting but need not provide a statement of reasons unless requeste-d bye parry. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing tee paid by you up tc one amount of 5500 upon receipt of proof of payment. Additionally, if there is a hearing, .ve Page 3 of 6 CMA12762 will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payrnent of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other tees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other tees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense vi 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 belowl, except that the arbitrator shall apply any applicable law in determining whether a party should recover any or alt fees and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at any time, or in connection with any particularClairns,will notconstitute a waiver of any rights to require arbitration at a later time or in comteutimt with any other Claims. Any decision rendered in such arbitration proceeding will he final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the soma arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rulesthat apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recoveranyor all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severahility, survival. This Arbitration Agreement shall survive: ji) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account; (iij the bankruptcy of any party or any similar proceeding initiated by ynu or on your behalf; and (iii) payment of the debt in full by you or by a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the rumaininy portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extant, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called "Changes" or a "Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. the notice will describe any rights you may Rave with respect to any Change, and the consequences if you do or do not exercise those riyhts. Far example,the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. if ynu notify us in writing that you do not accept the Changes, your account may be closed (i(it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement If you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically review your credit history by obtaining Information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will requesttheycorrect [he ruport.lf we disagree withyou after our investigation, we will tell you in writing or by telephone. We wilt also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send killing statements and notices to any join[ account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, accept mailing address corrections frornthe United States Postal Service. We may contact you about your account, including far customer service or collection, at any address or telephone number as well as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorite us to share certain information about you and your account within nor family of companies, and with others outside nor family of companies inrludiny any companyor organization whose name or markmayappear on the cards, as permin•~d by law. Dur Privacy Polley, which is provided to you when you first receive an agreement and at least once each calendar yearthereafter, describes o.rr information sharing practices and the choices you have and directions you may give us abmrt our sharing of information about you and your account with rompanies or organizations within and outside of our tarnily of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless ya+ authorize the disclosure or unless the disclosure falls under another exception in the la,r,~ (such as sharing information to process your transactions or in response to a subpcenal. You herebyagreethat,ifyou choose sotto ex~rcisethe applicableoptoutdescrihud fn our Privacy Policy, you will be deemed to have authorized us to share personal information we have aboutyou (including information related to any of the products or services you may have with any of our companies) with companies ar other organizations outside of our family of companies. ENFORCING THIS AGREEMENT Wa can delay enforcing or notenforce any of our rights underthis agreernnntwithout losing our right to enforce them in the futu•e. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, nr any or our rights and obligations under this agreement to a third party. ThE: person to whom we make thr. assignment will be entitled to any of our rights that we assign to that person. GDVERNING LAW TH E TERMS AND ENFORCEMENT OF THIS AfREEMENT AND YOUR ACCOUPJ7 S'rlALt 6E GOVERNED AND INTERPRETED IN ACCDRDANCEVVfiH FEDERAL. LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD f0 CONFLICT•OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILLAPPLy' NDMATTER WHEREYOU LIVE OR USE 7HE ACCOUNT. FOR INFORMATION Ploaso call the Cardmember Service telephone number an your card cr billing statement if you have any questions about your accoum or this agreement. YOUR BILLING RIGHTS I(eep This Notice For Future Use This notice contains important information about your rights and our responsihihtlos under the Fair Credit Billing Act, Notify Us In Case Of Errors Or Questions About Your Bilf If you chink your bill is wrong, or ii you need more information about a transaction on your bill, write us on a separate sheet atthe Cardmember Scrvicv address shown oc your biking statement. Write to us as soon as possible, We must hear from you nc later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not prorogue your rights, In your letter, give us the fallowing informatiun~. • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an agree !f you need mote information, describe the item you are nut sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payrnent on any amount you think is wren,, To stop the payrnent your letter must reach us at least tF•ree business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have co«ectai the error by than. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your lerier, we cannot try to collect any amount you question, nr report you as delinquent, We can continue to bill gnu for the amount you question, including finance charges, and we can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you era still obligated to pay the parts of your hill that are not in question. If we find that we made a mistake on your bill, you will not have to pay amy finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments nn the questioned amount. In either case, we will sand you a statement of the amount you owe and the date that it is due. If you fail to paythe amountthatwa thinkyou owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us [hat you still refuse to pay, we must tell anyone we report you to that you havo a question about your hilt. And, wa must tell you the Warne of anyone we reported you to. We musttell anyone we report you to thatthe matter has been serried herneen us when it finally is. if we don't follow these rules, we can't collect rho first S50.0g of the cuastinnerl amount, even if your bill was correct. Special Rules for Credit Card Purchases Page 4 of 6 CMA12762 If you have a problem with the quality of property or services that you purchased with a credit card„and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does trot apply to check transactions. There are two limitations on this right: ial You must have made the purchase in your home state or, if notwithin your home state, within 100 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 tiie advertisement for the property or services. Copyright ©2D07 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12762 VERLFICATION 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. Montema, or (Name) Assistant Treasurer of Chase Bankcard Services Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. r1~~~~~ _ ,~,, (S,y~nature) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~~p~ti 01 41dIRbrY'/~~~ ~° ~ .'.~ ~ ' r ~;; > ~~; FFLED-flFFlCE ~~ ~`F3 FROTHOt~01'~~t -' LtI~U~i,E ~~ r~lL' +.~~ ~~~$~~L~~~ ~~~T~ ~~P~~SYI_l~A~~, Chase Bank USA, N.A. Case Number vs. 2010-6362 Michael Byrnes SHERIFF'S RETURN OF SERVICE 10/12/2010 06:17 PM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2010 at 1817 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Michael Byrnes, by making known unto himself personally, at 1553 Thompson Lane, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the me. 0-- AM NDA COBAUGH, DE TY SHERIFF COST: $37.00 October 13, 2010 (c) CountySuite Sheriff. Teleosoft, Inc. SO ANSWERS, ~.'~ RON R ANDERSON, SHERIFF FILED-OFFICE O TH E' PROTH'??y 2'310 DFC 28 AM g; %MBERLAND Co,tj y° PD,WSYLvf;; ; ?, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHAEL BYRNES Defendant No. 10-6362 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA. I.D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08644352 Judgment Amount $34946.22 ou wk a ly, ? a a? q ?aSa ?ed IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-6362 CIVIL TERM MICHAEL BYRNES Defendant PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: COUNTI Kindly enter Judgment against the Defendant, MICHAEL BYRNES, above named, in the default of an Answer, in the amount of $20222.50 computed as follows: Amount claimed in Complaint $19840.75 Interest from September 22 2010to December 2, 2010 $231.57 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $20222.50 COUNT 11 Kindly enter Judgment against the Defendant, MICHAEL BYRNES, above named, in the default of an Answer, in the amount of $14723.72computed as follows: Amount claimed in Complaint $14405.59 Interest from September 22, 2010to December 2, 2010 $168.13 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $14723.72 TOTAL COUNT I & COUNT 11 $34946.22 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: I William T. Molczan, squire PA. I. D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08644352 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 1553 THOMPSON LANE, MECHANICSBURG, PA 17055 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Case No. 10-6362 CIVIL TERM VS MICHAEL BYRNES Defendant IMPORTANT NOTICE ICHAEL BYRNES 1553 THOMPSON LN ECHANICSBURG, PA 17055 C/O JIM MCCARTHY 2041 HERR ST HARRISBURG, PA 171t103 Date of Notice: t YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. By: Matthew Urban P.A.1.D.# 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 8644352 J PIT K4M IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N_A. Plaintiff VS MICHAEL BYRNES Defendant Case No. 10-6362 CIVIL TERM IMPORTANT NOTICE TO: MICHAEL BYRNES 1553 THOMPSON LN MECHANICSBURG, PA 17055 C/O JIM MCCARTHY 2041 HERR ST HARRISBURG, PA 17103 r Date of Notice: 11 1 I c) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. By: . r Matthew Urban P.A.I.D.# 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 8644352 J PIT K4M IN THE COMMON PLEAS COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. Civil Action No. 10-6362 CIVIL TERM NON-MILITARY AFFIDAVIT MICHAEL BYRNES Defendant The undersigned is the duly authorized agent and/or attorney for the Plaintiff in the within matter and states as follows: Affiant states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, MICHAEL BYRNES is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the DMDC does not possess any information indicating that the below individual is in the military service: MICHAEL BYRNES 1553 THOMPSON LANE MECHANICSBURG, PA 17055 Affiant further states that the averments contained herein are true and correct to the best of Affiant's knowledge, information and belief and that these averments are made subject to the penalties of 18 Pa C.S.A. §4904 relating to unsworn falsification to authorities. Request for Military Status Department of Defense Manpower Data Center Military Status Report .AgEm W Pursuant to the Service Members Civil Relief Act Page 1 of 2 Dec-08-2010 07:44:26 Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency Based on the information you have furnished, the DMDC does not possess BYRNES MICI-IAE1. any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). $but 10T 44 Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http://www.defenselink.mil/faq/pis/PC09SLDR.htm1. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popreport.do 12/8/2010 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:K9SUOM224V https://www.dmdc.osd.mil/appj/scra/popreport.do 12/8/2010 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-6362 CIVIL TERM MICHAEL BYRNES Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on 1 - -10 _ (xx) Assumpsit Judgment in the amount of $20222.50plus costs as to Count I. (xx) Assumpsit Judgment in the amount of $14723.72plus costs as to Count II. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonote MICHAEL BYRNES 1553 THOMPSON LANE By MECHANICSBURG, PA 17055 PROTHOIN Plaintiff's address is: I c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 1-888-434-0085 f . 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHAEL BYRNES Defendant SUSQUEHANNA BANK SUSQUEHANNA VALLEY FEDERAL CU SOVEREIGN BANK, Garnishee, No. 10-6362 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: => `x ?? cv ?rn N Tj r S> William T Molczan, Esquire PA I.D. #47437 WELTMAN, WE,INBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 1:5219 (412) 434-7955 ?57 (D WWR#08644352 ftya, 0o < ? 1cj.GG << ,1? 176 C%v Ply q 1? 000 136A 11,43 10A y ,21,Ud'4 ul 766 GG G'G - . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHAEL BYRNES Defendant SUSQUEHANNA BANK SUSQUEHANNA VALLEY FEDERAL CU SOVEREIGN BANK, Garnishee TO THE PROTHONOTARY: Civil Action No. 10-6362 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against MICHAEL BYRNES, Defendant 3. against SUSQUEHANNA BANK and SUSQUEHANNA VALLEY FEDERAL CU and SOVEREIGN BANK, Garnishee 4. Judgment Amount $ 34946.22 Interest Costs SUBTOTAL: Costs (to be added by Prothonotary): $ 155.10 $ 35101.32 WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-6362 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANKE USA, N.A. Plaintiff (s) From MICHAEL BYRNES AT 1553 THOMPSON LANE, MECHANICSBURG, PA 17055 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of SUSQUEHANNA BANK, AT 1196 WALNUT BOTTOM ROAD CARLISLE, PA 17015, SUSQUEHANNA VALLEY FEDERAL CREDIT UNION AT 3850 HARTZDALE DRIVE, CAMP HILL, PA 17011, SOVERIEGN BANK AT 17 W. HIGH STREET CARLISLE, PA 17013 GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $34,946.22 L.L.$.50 Interest $155.10 Atty's Comm % Due Prothy $2.00 Atty Paid $170.00 Other Costs Plaintiff Paid Date: Feb. 4, 2011 D. rrothonotary (Seal) By: Deputy REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C. Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 08644352 CHASE BANK USA, N.A. Attorney for Plaintiff(s) CUMBERLAND County Court of Common Pleas vs. MICHAEL BYRNES NO. 10-6362 CIVIL TERM and SUSQUEHANNA BANK SUSQUEHANNA VALLEY FEDERAL CU SOVEREIGN BANK Garnishee(s) PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), SUSQUEHANNA BANK SUSQUEHANNA VALLEY FEDERAL CU SOVEREIGN BANK, only. Jr o ( . c S E Orr, -;; WELTMAN, WEINBERG & REIS CO., L.P.A. By: Jarr Attu Sworn to and subscri ed Before me the day of February, 2011 OTARY PUBLIC COMMONWEALTH OF PENNMVWA WNW Seel n, NOUN Public legheny County Nov. 2014 MEMBER, PENNSYLVANIA A,,?'SOCIA'RON OF NOTARM amo at rA alt( W 9ogsisa Rb ?O ?A3 SHERIFF'S OFFICE -6F CUMBERLAND COUNTY Ronny RAnderson FILED-O FJ Sheriff ttp of IF THE F ROT14ONr 3a?K?t`t` Jody S Smith Chief Deputy 2011 SEP -2 PM 2: 36 Richard W Stewart r'UMBERLAND COUNTY Solicitor PENNSYLVANIA Chase Bank USA, N.A. Case Number vs. Michael Byrnes 2010-6362 SHERIFF'S RETURN OF SERVICE 02/09/2011 09:00 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 9, 2011 at 0900 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Michael Byrnes, in the hands, possession, or control of the within named garnishee, Sovereign Bank, 17 W High Street, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Denise Beecher, Customer Service Representative, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on February 10, 2011 to Michael Byrnes, 1553 Thompson Lane, Mechanicsburg, PA 17055. 02/09/2011 09:13 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 9, 2011 at 0911 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Michael Byrnes, in the hands, possession, or control of the within named garnishee, Susquehanna Bank, 1196 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Tami McKee, Customer Service Representative, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. 02/09/2011 12:30 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 9, 2011 at 1231 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Michael Byrnes, in the hands, possession, or control of the within named garnishee, Susquehanna Valley Federal Credit Union, 3850 Hartzdale Drive, Camp Hill, Cumberland County, Pennsylvania 17011, by handing to Jaymie Emerson, Head Teller, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. 09/01/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $206.28 SO ANSWERS, September 01, 2011 RON R ANDERSON, SHERIFF fC CounfySu to Shewf 1"eieo.=.oft.