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Home My WebLink About10-6461IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, v. NANCY J BJURSTROM, Defendant. Plaintiff s Address: 200 White Clay Center Drive Newark, Delaware 19711 Defendant's Address: 1 S Roosevelt Street Enola, Pennsylvania 17025 717-732-4538 c ~ {~ ~,.,, C1 e.-- M ~ 4 ~ No. 10-6461 ~ ~ 4 ~ ~ ~ ~~ ANSWER <n R, CIVIL ACTION r-a- ~~ ~~ ~ ~~ ~~ ~~ -+ c.~ U, -..F; e . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, v. NANCY J BJURSTROM, Defendant. No. 10-6461 ANSWER CIVIL ACTION ANSWER OF DEFENDANT Defendant Nancy J. Bjurstrom hereby enters an appearance pro se in the above-captioned matter and answers the Complaint of Plaintiff Chase Bank USA, N.A. as follows: 1. The Defendant lacks sufficient information to either admit or deny the allegations of Paragraph 1 of the Complaint. 2. The Defendant admits only a residence as alleged in Paragraph 2 of the Complaint. 3. The Defendant denies allegations of Paragraph 3 of the Complaint. Credit cards received by the Defendant contain more than four numeric digits. 4. The Defendant admits only that a credit card was used; the Defendant denies the remaining allegations of Paragraph 4 of the Complaint and demands strict proof thereof. The Defendant requests that the Plaintiff be required to provide a detailed accounting of all t purchases, charges, credits, offsets and payments to the alleged account in order to permit further admissions and denials. 5. The Defendant denies the allegations contained in Paragraph 5 of the Complaint. Defendant requests that the Plaintiff be required to provide any original, executed agreement alleged by Plaintiff. 6. The Defendant denies the allegations contained in Paragraph 6 of the Complaint. 7. The Defendant denies the allegations contained in Paragraph 7 of the Complaint. 8. The Defendant denies the allegations contained in Paragraph 8 of the Complaint. AFFIRMATIVE DEFENSES 1. The Defendant alleges that the complaint and each and every cause of action stated therein fails to state facts sufficient to constitute a cause of action against the Defendant. 2. The Defendant alleges that the amount claimed by Plaintiff has been inflated to include improper finance and other charges and late payment fees inappropriately charged by Plaintiff. The Defendant submits that these charges are unconscionable and that allowing Plaintiff to collect these amounts would be inequitable. The extra fees and costs applied by Plaintiff created an impossibility of performance. 3. The Defendant denies that Plaintiff is entitled to collect any additional amounts under any contract with Plaintiff. The Defendant contends that the excessive interest, late fees and penalties charged by Plaintiff result in there being no enforceable contract between the parties that would allow Plaintiff to recover the amounts claimed. 4. As a result of the excessive amounts charged by Plaintiff, the Defendant has not been able to reduce the debt, making performance of any obligation impossible. The Defendant contends that these fees should discharged in their entirety. The Defendant denies that Plaintiff is entitled to recover the interest that was included in the amount sought by Plaintiff, and demands an accounting of the manner that Plaintiff calculated the amounts prayed for in the Complaint. 5. Plaintiff has an affirmative duty to prove the amount of the debt. If the Plaintiff cannot prove the amount of the debt, this matter should be dismissed with prejudice. 6. The amount that the Plaintiff alleges is due is greater than the actual amount due, and therefore the Defendant demands a complete accounting. WHEREFORE the Defendant requests: 1. That the relief prayed by the Plaintiff be denied and this action be dismissed. 2. That the Court award such other and further relief as the nature of this case may require. r Nancy Bju#str 15 Roosevelt treet Enola, Pennsylvania 17025 717-732-4538 Defendant i INDIVIDUAL VERIFICATION COMMONWEALTH OF PENNSYLVANIA ) ss: COUNTY OF ) The undersigned, being duly sworn, deposes and says that: I am the defendant in the within-named action; that I have read the foregoing Answer to the Complaint and know the contents thereof and that same is true to the best of my knowledge, except as to those matters therein stated to be alleged upon information and belief and as to those matters I believe to be true. i `--.~ ancy J. B' om Swo to before me this day of ~ , 2010. Notary Public CERTIFICATE OF SERVICE D ~~ I HEREBY CERTIFY that on this a~ day of ~ , a copy of the foregoing pleading was mailed, first-class, postage pre-paid to: James C. Warmbrodt Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, Pennsylvania 15219 412-434-7955 Attorney for Plaintiff ancy J B' r tr m SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SOiiCltOr ~~~~yitir ~i sEtr,G,~rl,~~,~ CSFFI~E '~ ~ Sf+ERlffi FtL~Q-OFFICE QF T~iE PRQT~O'?Q~'~pY ~~ ~ o ocr ~ ~ PH I : 2?~ ~~Uf~BER~~P~I~ CO!}PdT `'E~~~'5 YL'~'~~~0,~, Chase Bank USA, N.A. vs. Nancy J. Bjurstrom Case Number 2010-6461 SHERIFF'S RETURN OF SERVICE 10/14/2010 05:40 PM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on October 14, 2010 at 1740 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Nancy J. Bjurstrom, by making known unto herself personally, at 15 Roosevelt Street, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 October 15, 2010 AMANDA COBAUGH, DE TY SO ANSWERS, «~ RON ~ R ANDERSON, SHERIFF (cj Goun',ySuite Shen1Y, Tel~osoft, Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, VS. NANCY J BJURSTROM, Defendant. Case No.: 10-6461 MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D Urban, Esquire PA ID# 90963 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 rr ? r-1 MC -I' - r-r , -q a:> WWR# 8468906 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, Case No.: 10-6461 vs. MOTION FOR SUMMARY JUDGMENT NANCY J BJURSTROM, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $8585.67 with interest at the interest rate of 6.00% per annum from September 28, 2010, plus attorneys' fees of $300.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around December 8, 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the W W R# 8468906 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: vs. NANCY J BJURSTROM COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08468906 C A Pit KMJ e. '? LS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N_A. P1ai:!tiLf vs. Civil A,--!:ion No NANCY J BJURSTROM Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you'must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 200 WHITE CLAY CENTER DR NEWARK , DE 19711 . 2. Defendant , is adult individuai(s) residing at the address listed below: NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA, PA 17025 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX6361 . 4. Defendant made use of said credit card and has a current balance due of $8585.67 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys, fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the plaintiff Dravs for ? dgnent aaainst Defendant NANCY J BJURSTROM , individually , the amount of $8585.67 with continuing interest thereon at the statutory rate of 6.000% per annum from September 28, 2010 plus attorneys fees of $300.00 and costs. WEL G & REIS CO., L.P.A. James V338 t,42524 436 S ue, Suite 1400 08468906 C A Pit KMJ Pitts 15219 (412) FAX: 0 This law firm is a debt collector attemp/ti4g to collect this debt for our client and any information obtainedfwy.ll be used for that purpose. Payment Ow DM New BMW Part DuaArmv Mhtirsum Payrrwt t OMMIIO 50.685.67 51,22D.OD 51.40100 Aceoursl rltanbss: 4288 8111 708Y 6381 M91. T.w dwdl D+»tie Is: WQ ch-CW 9avioe9. '40..wree 9nnum anCOS11d. ?Ww dtl- a small Rim on bdl 42668411706463610014030DO0858567000O0O000Q00003 (rrearr ?un9a I......J?.?d...u.Jd..a?..u,.1 NAMCYJg?URBTROM 15 ROOSEVELT ST CAROMEMSER SERVICE ENOLA PA 17OU-2736 PO BOX 1$153 1NRMINWON OF 198863153 1,41...III....d.i.1,l.,.b1t...1..16.1L-11.1.1.... 1f1 8468906 4 50 0 0 1160 2 81: 203 i f 7069636 L3de CHASEFREEDOM" ?MwM Your eoowst..itw: Additional meat Intermit" ema'h- ra .4-ty tasted on n9rn?.Ne ACCOUM SUMMARY Acooult 04Mrllber: 4288 8x11 70M OM Prevfous8alence $8,487.61 Fees Charged +539.00 Interest Charged +$69.06 New saw" $0.595.67 OpervirVOCbrng Oae 04IM10-054VIO Total Credit lire 513.000 Aueibble Credit $41414 Cash Access Une 52,600 A%Uftbe for Can 50 PAYMENT MIFORMAMPI New Balance 50.680.07 Payment Otte Date 06r1N10 Mrlnwm Payment Mm 51,403.00 late Payn.r t Wambg. was do no receive your minimum peyrtwm by 1M date rated sbaea, you may have to pay up to a wo.00 lee *9 std your APR* will be au *w to It-~ la a nmdraem ParM1y APR of 29.00%. Mantra Payment Warning 0 you noire ally are n irn rn paynarra each partod you will pay two In Interest and it veil IOW you tongerro p.y(m youtralanos. fw e9s.aFls: It you make no You will psy n0the And you wM and up additional diarges 6elenn shown an paying an seemed killing Net Mod and Ole statement M told o1... each marsh you about.. Par-.. Qvy the ralrirlertl poy^asi 32 yews S18:342 $271 3 years $9.752 (Swkvs- 8.6fi0) a you would Inks knontration Mom credit countrewid services. Call 1-866-797.2605. The oulaw ding bdence on your credit and accvwn is scheduled to be vainer of as a bad debt Miry. Aa a rmUL your Credit burster twy M Wft*d v4111 8 n6910% raWV Ota1 could beg for up to even years- We can eel llrpt but you need b al us new ad 1.880-792-7547 (00980 1-302.6940200). . CHASE FRE : ULTIMATE REWARDS' SUMMARY Prevma rewards belasa $0.00 Rswrds saasd on purrtasas 50.00 BeusrewrdsfromlaWtlstsRSirsWsTrpN 10.00 Bone rewrde owned as UYrme Rewards MW SD.00 Currom rowed. lento S0.00 Yoe Chore Freedom creel cad Mom you to sent I)OOW CAM Bads Rewaaw4h No EsFiniws You sarn a kA 1% cash back on ALL d Vow purdraesawMh orVdnO opportunities to seta even mare) Err. tap loart rldironet to%cah back eflwn you Mop N*w ft 0110 na U68Ma RMINd?MON. YOU cart redeem yotA Cash Bark heard( bar Colt, gM aide cave or mrd.andiae. To rsasam, gD peh0 r www.fieae.cenWlptaterewerde a coq w st (e00) 610-Sa78. EXHIBIT 1 WCW" F1813s0e0e coo Y 9 19 fe,?e• Dp.1 ej (left 1 t.e ft9ft IJa.0000(e(0Coom 1 X OIR 2of5 SUWneM DOW. 04 AD-06019rM0 AO MMrnbW, 4266 8411 7000 0301 Pa"2 oft Tcfal tesschergsd n 201e 575D.ae Talal iraareat gfu4od in 3070 3229.06 Yoar-lodata Imi-mled all 1161990m any rslunda applied to Youraccount on w orwr ja . 71, zeta. 8468906 ERMT CHARGES Your Annual P-ordage Rue (APMg16ft anstd iraer" tale on your acmum. Amur Balmw Acvued Bohm" PanesM - RM(APR) OUNO 1TO IMereet Inlereel Type 30 6eye In Cyde Inwer ROW Chorg" CAror Purdleaes 024%(Y) 5190.51 $1 A0 $0.00 putaheees 27.24%M "&13 $1.91 $0.00 Coln A00rlcee 19.24%(V) $D.00 $D.00 $0.00 Comh Adva"m 27.24%(0) $0.00 $9A0 $0.00 Balonmusnow e.24%M $0.275.69 W,OB $0.00 N) - Vedette Raw Please "0 htormeoal AbdA Your AKoton $30561 for to Celmde0on oM Balmco Sucletl to Inwresl Rats, Mnuei Renewal NoSce How to Auld trwrma m Purdhame, and other IMponam tMormefion, as apptcebw. X oomm wsmsoo ow 0 o to rwmns Posaaea OINSO wwaom nnmanomamoo 4of6 Cerdmemher Agreement CMA 12762 ACCEPTANCE OF THIS AGREEMENT ,.This ngroumont governs year credit card account with as (aIerenced on The card carrier containing the card f or this accoum. Any use of your accounl is covered by Iftis agruumonI. Pte;tso read the entire agreemunt and keep it for your records. You authorize us to pay for and charge yoar account lot oil tiansarlimhs made on your accuufn. Yuu promise to pay its for all transactions mad onyour ;iccount,aswellasanyleesollinancechargr.S. if this is a joint account, ;ach of yuu, together and individually, is rusponsible for;myrng, Al amounts awed, :-fun if the iccount is used by only one of you.'.Yc may ruouin! that mn pay thy. Iu0 amount awed without first asking the uifter persouisi io pay. Please sign the back of your card when you rt:cuive ii. You will be bound by (his agfeemanl if yea or anyone authorized by YOU use your account for any purposo, even if you don't sign your card. Whether you use your ac rotni or not, you will be bound by thus agreement unless you cancel your account within 30 days after receiving your card and you )lave not used your account for any purpose. Throughout this agreement, the words "we", "its" and'car" mein Chose Bank USA, N.A., the issuer of your credit card and account. The words-you", "your" and ''yours" mean an persons responsible for complying with this agreement, includ'etg the, Parse nwho applied for the account and the person to whom we address billing statemous, as well as any person who agrues to be liable Origin account. The word "card" means one or more cards or other access devices, such as account numbers, that we. have issued to ponnil yeti to obtain credit under this agrecatent. USING YOUR ACCOUNT Your account is a consumer acrouni and shall be used only for porsonal, family or household purpast: s. Unless we agree or it is required by law, we will nut he responsible, lot merchandise or services purchased or leased through use of your account. You promise io use your account only for valid and lawful transactions. for example, internet gambling may be Illegal in some places, it is nol out r ispunsibilily to snake sure. that you use your account only for permissible transactions, and you will remain responsible for paying for it transaction even it it is not permissible ar contemplated under this agreement. Types o(Trausactions: Porchnscs: You may usn your card to pay for goods or saryiees, Checks; We may provide you cash advance chocks at balance transfer checks as a way to use your acrount. We also refer to them in this agruuncm os a chock or checks. You may use a check to pay for goods or services, to transfer balances to your nr.couni, or for other uses we allow. But you may not use these checks to transfer balances to this account Irom other accounts with us or any of our rulatutl companies. Only the person whose name is printed on the check may sign the chuck. Cash advance checks are iretued its cash advances and halaoce transfer checks are treated as balance trunslws except as noted in this agreement of any nflerwe make to you. We pray treat chocks that we call convemonce checks as balance translai checks. However, chocks Thai we call convenience checks and that we indicated to you are subject to the torsos far rash advances, rnay bu -foaled as cash advances nitsl assessed cash advance rates and tees. Balance. Translers: You may lransiLr balances frog Other accounts of loans Willi other credit card issuers or other lenders to this account, or uthnr balance transfurswe allow. But you may not transfer balances to this accounl treat other amounts with its or any fit our related companies. If a portion of a requested balanco transfer will exceed your available credit line, we rnay process a partial balance transfer up to year available credit line. Cash Advances: You may use your card to get cash tram automatic teller machines, at from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-iikL cha[ges; of to obtain lotlory tickets, casino gaining chips, face track wagets or for similar boiling transactions. Yet] may also use a third party service to make a payment orb your behall and bill the payment to this account, Overdraft Advances: 11 you have an eligible checking occowm tvilh one of our related banks, you may link this accounl to your checking account with our related bank to cover all overdraft on that checking account under cite lonns of this agreemenl and your checking account agreement. Oilling Cycle: lit order to manage your ac roant, wti divide time into periods called `billing cycles'. Eacl, billing cycle is approxinately one month in length. Fur each calendar month, year account win have. a billing cycle that cads in that month. Your account will have a billing cycle ending fn each calendar month wherhor at Am there is a billing stillonent fur 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 au authnrized user on your aceniml. R you do so, this account may appear on the creditrLport of that authorized esur. You should think carolully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You wfll remain responsible for the use of your account and unch card issued onyour account according to ilia terms of this agre11mam. This includes your mspensihiihy for paying all charges on your account made by an authorized user. You must nolily us to terminate an authorized user's pe(missiun to use your account. 11 you nolily us, wu may close the account and/or issue a now card or cards with a different account number. You should also recover and destroy any cards, checks or any other !eons of access to your ac count from that authurized user. Credit Linn; YOU( credit line appears on your billing statements. We may also refer to Ihe credit line as a credit limit. Your biling statement may also show that only a portion of your credit line may be used for trash 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 t of 6 of your account balance, including any lees and finance charges, and making sure it remains below your credit line. U your account balance is over your credit line for any r ,asoo, we may charge you nn ovr.rlimit ILU as described in this agreement. Vib may, but art, not required to, authorize. charges that go over your credit line. Yet: must tiny any amount eves ynnr credit line., and ynu must pay us immediately if we ask you lo. This agreement applies to any balance on your account, including any balancp aver yotn credit fine. At our discretion, we may i,lr,rease, roduce, or cancel your credit line, or the cash advance portion of your Credit IInU, et any time. Howevor, it yen have asked us not to do so, we will not tncreasa sour credit line. A change to gout credit linrt will nut affect year obligation In pay us. Intern3lio4al Transactions: Internaflolal transactions include any Transaction that yet, nluko in a iureig;t cur. ensv or that you maitc uutside of ti;c iinIIad Status al America even if it is made in U.S. dollars. it You make a transaction in a foreign currency, Visa International or MasterCard International, Inc., will convert the transaction title U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that it selects either from the tango III rates available in the wholesale currency rnarke.ls for the applicable procrstinu data (which into may vary from the rate the respective unrity ilsell receives), or ilia government-mandated rate fn effect on Ilia applicable processing dote. The rate ul aflecl on the applicable processing date may differ iron) the rate on the state you used Vol)( curd or account. We reserve the right to charge you an additional 3% ill stn U.S. r)allar amount of any irim.miCinnal transaction, wllethe.r Utnl transactian was originally made in U.S. tionars or was made in another currency and convened to U.S. dollars by Visa or MasterCard. In either caso, the 3% will be, calculated on the U.S. dollar amount provided to its by Thal entity, The same process and Charge; may apply if any international transaction is ruvursvd. Refusal lu Authorize Transuoious: Wu may.bul ate not required in, decline: a transaction an ynnr account for any of the following reasons: because of operational considaratiuns. because your account is in default, if we suspect Iraudolenl or unlawful activity or, in our discretion, for any other reason. We are not responsible for any losses i( a traosar.ton on your accoum is declined for any reason, either by us or a third party, even if you have sufficient credit available. 'rat online transactions, wee rnay require that you rpgisier your necarnt with an awlierization system that we select. We will notify you if vve want you to register. 11 Vol) do riot register, we may decline your online transactions. Refusal to Pay Checks: Each check yoo write isyour toquest for funds. Whan we rer.oivu a check for payment, we may reviLw your ar.r.ouni to decide whothei to authorize that check. We may, but are not roquirod to, reject and rearm unpaid a check for any anion, including Iha following Lxamples: We at one of our related companies is the payee un Ilia check. Your creditlinu or cash advance poilnufl of Your credit line has twetl excu L'tlull, or would be exciLede.d if wu paid the chock. rho check is post-dated. II it pnsrflaied check is paid, wsuhiag in onuther chuck tieing returned or not paid, we are not responsible. YOU have used the check alter the date sporidiud on it. You;ue in detach w would be if we paid till! check. Lust of Sluleu Cards, Checks or Account Nunlburs: if any earl, check, account numb01 or other nncans to access your account is Ins[ or stolen, at you Think sainuonp used at may use them without ynur permfssino, you must notify its at once by calling the Cardmembur Service telephone number shown on your cart) or billing statement. Do not use your accoum after you notify its, even it your card, chock, account number of Mimi moans to access your account is lound or returned. We may terminate at suspend Yom credit privileges when ynu notify Its of tiny Inst, theft of unauthorized use ralalet! u: Yaw accolrnt. Ynu may be liable it there is unauthorized use At your account frnm which you receive on benefit, but you will not be liable for mnre than 550.00 of such transactions, and you will not be liable lot any such transaclimls merle after you notify its at ilia loss, theft or unauthorized use. Hilwovet, you must itlenfily lot us the Unauthorized changes tom which you received no benefit. We May reguifeyutt to provide us inlonnation in-failing to help us tied nut what happened We may also requite you to CUmply Will) Corlain procedures in coonocinn witl% out invesllgaiton. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making paynncds aad SLts 101[11 11111 date and time by which we must receive the payment. You agree to pay us amounts yet) owe ill U.S. dollars drawn an funds let dupusit in a U.S. financial institulfoh or the U.S. branch of a foreign financial instilntina using a payment check, money Order m natomatic debit that wilt be processed or honored byyuur linancial institution. `No will not accept cash payments. Your total available credit may eat be resto(od for Ili) to 15 days alter we recaivo your payment. Any payment chock of other form of payment which you send to us for less than the tun halancit that is marked "paid in full or with a similar natation or that you oibaiwise iondei iu lull satislaclion of a disputed amount tcunditional poymentsi, must he sent to us at the conditional payments address lisred an your monthly stntemem. We reserve an out rights regarding such paymerus. For example, if it is dunerrnined there is no valid dispute or it any such payment is received at any othet address, we may a ccept Ilia payment and you will still owe any remaining balance. We may feduse to accept any such payfnenl by retuning it to you, flat cashing it or by desiraying it. All other payments Thar you nmke should he sent to the repulnt payment atbi(ess shown nn your innnihly siateatnms. EXHnIB9 L We reserve the right to electronically collect your eligible payment chucks, at lirst presentment and any represonlment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization (of us to collect ilia amount of the check electronically, or, it aeodud, by a draft drawn against the bank account. Payment checkswill be coNectud electronic ally by sending the check amount along with the check, ruining and account numbLrs to your bank. Your bank account rally be debited as early as the same day we receive your payment. The original payment check will be destroyed and an image will he maintained in our . mords. Minimum Payment: You agree io pay at least the minimum payment due, as shown on your hitting statement. ;o that we receive if by tha date and time payment is due. You stay pay mere than the minimum paymont rluu and inay pay ihL fail amount Vol) owe us at any lime. It you have a balance that is subject to finance -bargus, the sooner you pay its, the less you will pay in finaiwo charges because iinnoc a charges accrue on your balance Lich day. Your billing statement shows your beginning balance and your ending balance (the 'New Balance' of year billing staternr,N). lithe New balance is S1D.DD or less, ynur minimum payrnem due will be the New Balance. Dtherwiso, it will be the largest of the following: SIB.DD; 2% of tide New Balance.; fir the sum of t `y. fit the New BalancL, total billed periodic rule finance charges, and any billed late and overl'unit ices. As partof the, minimum payment due, we also add any annount past disc and any amount over your credit line- Payment Allocation: You agree flier we are authorized to allocate your paymnms and credits in a way flint is most favorable to at convenient forus. For example, you nulhorize us to apply gout payments and crodits to balances with lower APRs Isuch as promotional APRs, helore balances wills higher APRs. Credit Ralanres: You fully request it tulund of a credit balance at any limo. We may reduce the arnannl of any credit t:glance by the amount of new chafges of IOUs billed to your account. Antammic Chwiles: You may oulhurizo a third party to autumaticully charge your account for repeat transactions Ifor exampie, monthly utility charges, munrburships and insurance prentiums). 11 a u:nmatic charges are stopped for any reason lincluding because your account is closed ur suspended for airy reason) or your account number changes, you are, responsible ((it notifying the hiller and paying these charges directly. If your account number changes, we tnny, but are not required to, pay from your new account number changes that you authorized to be billed to your old ncrnunt number. Promolioos: From time to tittle we may Oiler special terms for your account. 11 wu du, we will notily you shout the terms of the. Offer and how tong they will be in effect. Any promotion is subject to ihu terms of this agreemonf, as modified by the promotional oiler. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual Percentage rates ("APRs`) and fire corresponding daily periodic rates life listed un the Rates and Fees Table that is at the end ill this document or provided separately. To get the daily periodic rate we divide the APR by 765, and in effect always round up Or the fihh place to The right of the decimal point. Variable Rates: One or more APRs that uppiyloyour account mayvafy with changes to tine Prime Rate. When you have an APR that varies with changes in the Prime. Rate, we calculate the APR by adding a margin to the Prime Rate published in Thr. Wall Srrert(doumaltwo business days before tau Closing Date shown onyour billing statement. Tile 'Prime 11aie` is the highest (U.S.) Prime Rate published in the Money Rates section of The Wa# Streei Journal. If The Watt SrreetJournalstops Publishing the Prime Rate, we will select a similar reference rate find 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 this is not it woukend of federal holiday. The Rates and Fees Table shows which rates, if any, are vaiiablo laws. It also lists the margin for each variable rate and any minimum daily periodic tale and corresponding An. Two business days before the Closing Data shown on yetis billing statentunl,we see what the Prime Rate is. We then add tine applicable toatgin to that Prime Rate to get tine APR. The daily periodic rate is ralcirlited as described above. If our calculation results in a change u) it dairy periodic rate $fumtile previous billing cycle becauso the Prime Rate has changed, tine new tale wilt apply as of flip first day at your billing cycle that ends in the calendar month in which we madp the calculation. 11 the daily periodic rate increases, youwgl have to pay a higho periodic finance charge and may have to pay a higher ininimunt payment. Default Rates: Your APRs also may vary it you are in default under this agreement or any other agruemnm you have with its ar ony of our rulatud companes for any of tine follavving reasons: We do not receive, lot any payment that is owed ors this account or any Other account or loan with us, at least ilia minimum payment due by the date and time due. You exceed your credit tine on this account. You make a payment to us that is not honored by your bank. It any of these events occurs, we, may increase the APRs (including any promotional APR) un all balances (excluding overdrall advances) up to a maximum of the dolauit (ale stated in the Rates and Fees Table. We may consider the following factors to determine your default (ata: the length of time your account has been open, the existence. seriousness and timing of the defaults onyour account: other indications of your account usage and performance; inlormadon about your other relationships with us or any of our related companies; and information we obtain from consumer credit sepads obtained from credit bureaus. The doiauh rate will take effect as of tine first day of the billing cycle in which the default occurs. 11 we decide not to incruase your APR even though there is a default at if wo do nor increase your APR up to the maximwn default falls stated in ilia 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 tinanco charges separately lot each balance associaledwilh a different categoryof transactions flat uxuntple, purchases, balance transfers, balance transfer chucks, cash advances, cash ndvance checks, overdraft advances, and us ch oromotion). These calculations cony combine different categories with the same daily periodic rates. This is how it works: We caicufatL periodic Imanco charges for purchases, befaoce transfers, balance transiar checks, cash advances, cis 11 advance checks, and avardrah advances by tmufliplying the daily balance tot loch at !hose categories by the daily patiodic rata lot each at those colegetfes, each day. Yntt may have uvefdrmh advances only it you have linked this account to it checking account with hill, of our rotated banks. We calculate ilia poriodic finance charrles jot purchases, balance transfers, balance transfer checks, cash advances, and cash advance checks subjpcl to a promotional rate the sumo way, bill we use file promotional rate. To gel this daily balance lot each day Ior each category We take the beginning balance lot that day. We add to that balance any new transactions, ices. other chatffes, and uulso adjustments that apply to that calegnry. We add a new purchase, cash advance. balance transfer at overdraft advance, it applicabIL, to the dally balanco as of the transnctinn dine., or a later date of our rhoice.VVe add a new rash advance chuck or balance transfer check to the daily balance as of tine date fire cash aliveness check of balance transfer check is depasiled by if paven, or a later date of our choicL. We subtract train that balance any prynteots, cruf its. or credit adjustments that apply to that category and that are credited its of that day We treat a credit halance as a balance of zero. 7o get the beginning halanne lot each category, for file next day, we add the daily periodic finance charge to the daily balance, if more than one daily periodic rate could apply to a category because the ruto for the catLgory may very based on Ihn amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the and of the billing cycle to calculate Ilia daily poriodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic linance charge for ilia billing cyr.lu, we, odd all of the. daiW periodic finance charges for each category lot each day during that billing cycle. However, if any periodic linance charge is live, we will charge you at least Ilia minimum periodic finance charge stated in tho Rates and Feus'fnble. it it is nucassary to add an additionat ametnl to reach the ininimunt linance chotgn, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account fur a billing cycle will hrs file sum of file periodic finance charges plus any transaction ice finance charges. For each cat:simywe calculate an average daily balance. (including new ransacuons) lot the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. 11 you multiply the average daily balance lot a rutogoi y by the applicable deity periodic rwo, and multiply the result by this number u1 days in the billing cycle, the total will equal the periodic finance charges lot that hitlance attributable to drat hitting cycle., Lxrrpi for mina variations due 10 muffling. Grace Pedud and Accrual of FinaneL Charges: WL aGCrue pLriudic finance chafues on a transaction. Ipe, or finance charge from the date it is added to ynur doily balance until payment in f ull is received on your acc?unt.llnwuvrr, wn do P.ni charge periodic finance charges on new purchases billed during a bAing cycle if we teceive payment of your New Balance by the date and time your minimum payment is due and wo rereivod payment of your New Balance on your previous billing stannnual by the data and time your poymnnt was due. This exrepiion or "grar.e period- applies only to purchases and does not apply lu balance, transfers, balanco transfer shacks, cast, advances, cash advance checks or overdraft advances, it applicable. Transaction Fees tar Cash Advances: We may charge Vol) a cash advance Ins, is the amount sialrld in the Rates and Fees Tahie lot cash advance checks and cash advances. In addition, it you use a third party service to make. a payment on your buhall and the service charges situ paymvri to this account, wu may chargu it transaction lee, for flit payment These transaction fulls are finance rarargcs. We add the fee to the balanco tut tbu fulaied category as of the Iransactiot date of ilia cash advance. For example, a transaction fee lot a cash advance would be added to your cash advance balance. Transoclion Fees for Balance Transfers: We may charge you a balance transfer lee, in the amount stated in the Rates find Fees Table tot halanre transfer checks and balance transfers. These transaction fees are finance rbarges. We add the lee to the balance Inr flip related category as of the transaction dale of the balance transfer. For exompla, a transaction foe for a balance tlanster would he added to your balance transfer balance, OVER FEES AND CHARGES We may charge the following Iees.The amounts of these fees fire listed in the Rates and Fees Table. These Ines will be added to the balance for purchases made durino fire billing cycle. Annual Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as slated in file Rates and Foos Table), whrnhar or not you use your accunmr. and you agree 10 pay it when billed. 1'110. anmvnt Page 2 of 6 CMA12762 membership fro is non-relundablu Unless you ramify us Thal you wish to close your account within 30 dogs of the date we mail your billing statem pint on which die annual membership fee is charged and at the same time, you poyyour outstanding balathca in full. Your payment of the annual membership lee does not affect our right to close your account or limit your right n make transactions on your account. It your account is closed by you or us, we will continue to charge the nnoual membership lee until you pay your outstanding balance, in full and Icrininau; your account ntlationship. lmmv, Fee: if we do not receive nt least the required atinionno payment by :ho dale and time it is due as shown on your billing statement for any billing cycle, we. may charge the date fee shown h7 the Rates and Fees Table. If the late fee is hasad on it balance, vie r,alcuiato top, late lee using :.he Previous flalance on the curront month's statemont that shows the !ale! lee. This balance is the same is rite New Balance shown on the prior month's sta;emenr for which we din! not receive at least the required minimum oavmont by the date and lime it was due. Overlimit Fee: it your account balance is over your cindit line at any tittle during a billing cycle, even if only for a day, we may charge an ovedimit fee. We may charge this let' even if your balance is over the credit line because of a Gnonce charge or lee we imposed or a transaction we authorized. We will not charge more than one overlimil lee lot any billing cycle. Out we may charge an overlimh fee in subsequent billing cycles, even it no new transactions err- made, on your account, if your account balance still is over your credit line ai any time during the subsequent billing cycles, Return Paymnin Fee: 11 (a) your payment check or similar instrument is not honored. Ib) an automatic debit or other electronic payment is returned unpaid, or f el we must return a payment check because it is not signed or cannot be processed, we may charge it eaturn payment lee, Return Check Fee: if (a) we stop payment on a cash advance check ar balance transfer check at your ruquost, or (b) we reluse to pay a cash advance check or balance transfer check, wo may charge a ra!iwi check lee. Administ(ativm Fees: If you -equest a copy of a billing statement, sales draft or other record of your account or if you request two or more cards of any special services flat uxarnple, obtaining Cards on art expedited basis), we may charge you lot ttmso sefttices. However, we will not charge you for copies of billing statempnis, sales drafts or similar doctmtenis that you request fair rt billing dispute you may assert against us under applicable law. We may charge, for any sarvicns listed above and other services we provide. the fees from time to time in ellect when we offer the service. DEFAULTICOLLECTION We may consider you to be in drfaull if any of these occurs: We do not receive at least the minimum amount due bythe dare and time, due its shawl) on your billing statement. You exceed your credit line. You fail to comply with the terms of this agreement or tiny agreement with one of our related companies. We obtain information that causes its to believe that you duty he unwilling or unable to pay your debts to us or to others on time. You file for bankruptcy. You become incapacitated at in flat event of your dead[. If we consider yuur account to be in default, we may close your account without notice and require you to pay your unpaid balance innnediately. We also may require you In pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to bit six or more billing cycles past due. To the extent pertained by law, if you are in default because you have tailed to pay us, you wilrpay our collection costs, attorneys' tees, court costs, and n11 other expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may close your account at any time. If you call 115 to close. your account, we play 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 accoUPub, we will not he liable to You for any consoqueoces resulting Iran closing your account or suspending your credit privileges. 11 you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account Of return there to us upon request. You will continue to he responsible for charges to your account, even it they are mode or processed ahef your account is closed and you will be required to pay the outstanding balance on your account according to lire torms nt this agroomenl. In addition, to the extent allowed by law, we mayroquire 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 RESOLVEO?BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION )N COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OFTHIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, B EFORE A JUDGE OR JURY, ANDIOR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MOREUMITEO. EXCEPT AS OTHERWISF. PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbilralinit. This Arbitration Agreement is made pursuant ter a rransochon invol nag inturstale commoicn, and shall be governed by and be enlorceable under the Fedorel Arbitration Act(the"FAA"),911.S.C.§1-(fins it maybp.amondrid.This Arlobrmmn Agreement sets forth the circumstances and procedures under which claims (as detinee befawl may be resolved by arbltratioo instead of being lidgawd in court, Parties Coverefl. For the purposes of this Arbitration Agreement, '•?tc', "us , amd'our" else includes our parent, subsidiaries, alRliales, licensees, predecessors, saccessurs, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally."we","us" arid "our" shall include any third parry providing'lvnufils, services, or prudur.is in t:ennection will the Account (including b;;t nor limited to credit bure-:ius, r,7orchanls !hat accent arty credit device issued under iix Account, f.vrwus programs and anrnllmom Services. rfuttii insurance companies, debt cileaars. and aft of their ailicers. dhernrs, wil'Acyves, agents nd rapresoutauvosl - nil aniy il, suci: a :!:iriJ oar?y is i:amad icy yev as ?? ?.:u-dclnndnnt !r.:.i rr; Claim gnu a;;>r. n. against its. Clainhs Covered. Either you or we may, without the other's Consent, elect mandatory, binding arbitration nl any claim, dispute or controverxy by either you of its against the other, or against the employees, parents, subsidiaries, DOiliates, bunaliciarics, agents nr assigns of the other, arising (rant or relating in any way to the Cardmembef Agrceu7ern, any prior Cardmumber Agreement, your credit cart) Account or the advertising, apldicatiwt or approval of your Accourn (`Claim'). This Arbilinlfoih Agrrtpmom governs all Clairm, whether such Claims are based on law, statute, cowraci, regulatinn, ofdin;mce, tort, common law, constitutional provision, or any legal theory ill law such as respondent superior, or any other legal or equitable ground and whother suci; Claims sack as ren)edinx money damagas,ponatties. injunctions, or declaratory or equitable relic[. Claims subject to this Arbitration Agreement include Claims regarding the applicabithy of Oils Arbitration Agreement or the. validity at 1110 entire Curdmamber Agreement or any prior Carrlmembe, Agreement This Arbitration Agreement includes Claims that aruse in the past, an arise in the present or the future. As used in this Arbitration Agreement. thu terns Claim is to Ill, given the broadest possible meaning. Claims subject to arbitration include Claims that are fade as counterclaims, cross claims, third party claims, jntrnpleaders or nlherwisu, and it parry who initial as a ptncneding in court may elect arbitration with respect in tiny sitch Claims advancnd in file lawsuit by any party or parties. As an exception to This Arbitration Agreement, you retain the right to pursue in it small claims court any Claim thal is within that coed's jurisdiction and proceeds on all individual basis, It a party elects to arbitrate a Claim, the arbitraNmhwill he r:pnducled as anin;iividu7d action. Noilhur you nor we agree to any arhitratiou on it glass or rupresentutive !Iasi::, and tho arbitrator shall have, an authority in proceed ors suci) basis. This rattans Thal even if a class action lawsuit or other rapresenraiivo action, such as that in the form of o private at!ornaygenoral action, is filed, nay Cfaim between us relared lu the issues raised it! such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joinud in an individual action dater this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmumbor, or authorized user of your Account, or you heirs of you InfStve in bankruptcy or (2) those brought by you and any co applicant. joint cardinember, or authorized user of your Account, of your heirs or your itostue in bankruptcy against its. Initiation of Arbitration. The party filing a Claim in arbiration must choose one of Nile following two arbilralian administrators: American Arbitrdtino Association; or National Arbitration Forma. These administrators art, indeptnidem fruit) us. Tile administrator duns not conduct the arbitration. Arbitration is conducted under the rules of ilia selnctnd arbilrallon administrator by tut imparlia) third party chosen in accordance with the rules of the selected arbitration administrator and as may b2 provided in this Arbitration Agreement Any arbitration hearing Thal you attand sliall be held at a place chosen by ilia arbitrator or arbitration adminislralor within [he ledural judicial dixtiir.t in which you reside at the time the Claim is filed, or at scone other place to which you and we m3rau in wrifing. You may obtain copies of Ile, current odes of each of the ptdu arbit(aliot) administrators, information about arbitration and arbitration lees, and instructions Ice initiating arbitration by contacting the arbitration administrators as hallows: Americao Arbitration Association, 335 Madison Avem7e. Floor 10, New York. NY 10017-4605, Web site: www.adcorg, 000.778-7879: or National Arbitration Forum, P.O. Box 50191, Minneapolis. MN 55.105. Web site: rA,w.arbirration • Iororn.cool. 800-414.2371. Procedures and law applicable in arbitrafion. A single, oeerai arbifratoi will faSnlve Claims. hoe arbitrator vAll eithar be a lawyerwith of least ten yours experience ar a reiurd at fanner judge. The arbitration will be conducled under toll applicable piuredures and rules of the orhittalion administrator that ore in effect on the date thn arbitration is filed unless those procedures and rules are ioconsisium with this Arbitration Agraenttinl, in which case this Agreement will prevail. These procedures and rules may limit the amount of discovery available to you or its. The arbitrator will apply applicable substantive law omisisnont with the FAA and applicable SloUA01; of liminrlions, and will honor claims of privilege recognized at law. You may choose if) have a hearing and hit reprnsenlod by counsel. Thu orbilralorwill take reasonable strips to protect customer Account information and other confidential inIurmnlion, including the use of protective orders to prohibti disclosure outside the arbitration, if ruquested to do so by you or us. The arbitrator will hnve the power to award to a party any damages no other relief proovided for under applicable law, and will not hove the power in award relief to, against, nr for the benefit of any person who is not a parry to the proceeding. It the law authorizes such relief, the arbitrator may award punitive damages or altornoy lees. 'rite arbitrator will make any award inwriting but need not provide a statement of reasons unless requested bytt pony. Upon is request by you or us, the arbitrator wilt provide a oriel statement of ilia reasons for the award. Cosis. We will reimburse you far flip. initial arbitration filing tee paid by you up in ilia amount at SSW upon rccpipr of proof of payment. Additionally, if there is a heanug, we Page 3 of 6 CMA12762 will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. 'flip payment at any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement. All other fees will be allocated In keeping withthe rules of tho arbitration administrator and applicable law. Howevor,we will advance orreimburse filing fees and other leas if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask its and we determine there is good cause for doing so. Each party will bear the expense of the lees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as parmimed below), except that the arbitrator shall apply any applicable law in determining whether a party should ,Leaver any cr alt fees and costs from another harry. Enforcentant, linalily, appeals. Failure or any Jelay in cnforchig this Arbitration Agreement of any tinl% ur in cormucliai wit! any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Anydecision rendered in such arbitration proceeding will be final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of Ilia, awnrd. The appeal must request a new arbitration before a poncl of Ihree neutral arbitrators designated by the same arbitration organization. The panel wig reconsider all factual and legal Issues ;allow, follow flip some rules that apply to a proceeding using a single arbitrator, and make decisions based on the, vole of the maiarity. Each party, will bear their own lees, costs and expenses tar any appeal, but a party may recover arty or all lees, costs and expenses from another party, it the majority of the panel of drbitralurs, applying applicable law, so determines. An award in arbitration will bat enfofcaable as prnvidrd by the FAA or other applicable law by any court having jurisdiction. SevenbilOy, survival. This Arbitration Agreement shall survive: Ill termination or chantles in the Carrianember Agreement, Ilia! Account and the relationship bmwn0n you and us concerning the Account, such as thp. issuing of a new account munbor or the tianslening at the to Jance in that Account to another account: (ii) the bankruptcy el any party or any ::jmilar proceeding initialed by you or on your behalf; acrd Iii)) payment of the debt ill full by you or by a third party. II any fanatical of this Arbitration Agreement is deemed iwvalid or unenforceable, the rumvitiog 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 odd, daleta, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcomenI. of the rights and obligations you or we may havn feinting to this agrepment. Madificufions, additions. or deletions are called "Changes" or a "Change". We will notify you of any Changn it required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the it paid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Chango, and the consoqucnces it you do or do not exercise those rights. For example, the notice moy state that you may nosily us in writing by a specified dale if you do not want to accept certain Changes we are making. If you notify its in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. II you do not notify its in willing by the data stated in the notice, or if you notify its but then use your account offer the date stated in to notice, you will be deemed to accept all Changes in die 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 revipw your ciodit histrry by obtaining information Iront credit bureaus and others. We may repurt iufonnallon about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards urn your account for whars, we may report accounl iafurmulion in your name as well as in ilia names AI those allies people. II you think vie have reported inaccurate inlmmalion to a credit bureau, you may write to as .. Use Cardmembar Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of tine problem. If available., please provide a copy of the rrnilk bureau report in quastiou. We will promptly investigate the matter and, it our investigation shows that you are right, we will contact each credit bureau to which we reported the inlormation and will request they correct duo rupoi t. If we disagree with you alter our investigation, we will fell you in writing or by telephone. We will also notify (Iwo credit bureau that you dispute flip information unless you let its know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will sued cards, billing statements and other notices to you at the addross shown in our files. Of, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to ail of you and all of year will remain obligated on the account. It you change your name,' address, or hone, cellular or business leiephone number or email address III you Mutt to raceiva billing statements or other notices ondne), you must notify us immediately in writing at the address shown on your billing statement. We may, at out option, Accept mailing oddross rurrectinns Irom the United States Postal Service. We may contact you about your account. including for customer service or collection, al any addr ass or telephone member as well as any cellular telephone member you provide its. 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 calk INFORMATION SHARING Yau authorizo us to share cartaio information about you and your account within nur family of companies, and with others outside, our family of companies including nny company or organization whose name or mark may appear on the cards, as permitted by law. Our Privacy Policy, which is provided to you when you lust receive an agreement and at least onto oath colentlaryearthereaher,describes our information shoring practices and the choices vat, have tuid directions you may give its ;rbuui ei.r sharing of :ralorma6fin !horn w;u ;;aid ,jour r.crnnu "ml, :nmunnies of crganizalions uvithin ar.o outside of our `iMtty of tmmraaaies ILLINOIS CARDMEMBERS Illiaols law provides that wu may flat Share information about you with snurparaws or other organizaflnns outside all our family al companies unless you authorize the disclosure or unless rho disclosure falls under another exception in the law Isuch its sharing information to process your transactions or in response to a suLpoenal. You hereby agree that, it you choose not la, exercise rite applicable opt out described in our Privacy Policy, you will be deemed to have authorized us to Share personat information we have about you (includinq information related to any of flat- products or services you may have with any of out companies) with companies or other organizations outside of our family at companies. ENFORCING THIS AGREEMENT We can dnlay enforcing or not enforce any of our rights under this agruemant withem Insing our right eo enforce them in the future. It any of ilia refills of this agreement are round to be unenforceable, all othor terms will remain rn lull Torre. ASSIGNMENT We May assign your account, any ammuus you owe us, or way of nor rights anti obligations under this agrunnieni to a third party. The persan 10 whorl :ate make Ihu: assignment will be onrided to any of our rights that we asSirln to final person' GOVERNING LAW TH E TERMSANO ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAWAND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD 10 CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILLAPPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Ploaso call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or ,his agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important inlnrmaunn ahem your rights laid our ft.spansibiRties under the Fair Credit Billing Act. Notify Us in Case Of Errors Or Durstions Minor Your Bill If you think your bill is wrong, or if you need more information ahnul a Iransacriun onyour bill,write its on a separate. shr.rl ai the. Cardroember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we seal you the lust hill our which the error at problem appeared. You earl telephone its, but doing so will not preserve your rigdus. In your letter, ,give us the following information: Your name and account noinher. The dollar amount at the suspected error. Describe the error and explain, if you can, why you believe there is an Pawl. If you need more information, dosuribe ilia item you are nor start about. H you have authorized us to pay your credit cart; bill automatically Isom lariat savings or checking account, you can Stop Ilia payment on any amount you think is wrong. To stop the paymonl your feller most reach us at least darce business !lays before the automatic payment is schuduled to occur. Your Rights And Our Respaasibilifies After We Receive Your Writtcn Notice We must acknowledge your letter within 30 days, unless we have, corrected dun error by then. Within 90 rays, we mass uilher correct the error or explain why are believe ilia bill was rureci. After we (out ive your lentil, wu cannot try to coiled any amount ymr qurstinn, air report you ns delinquent. We. can continue to hill you far the amount you question, including finance charges, and we can apply any unpaid amount against your credit fine. You do not have to pny any questioned amount while we- are investigating, but you are still obligated to pay the parts of your bill that are 1101 in question. if we find that we made a mistake on your bill, you will not h ave to pay any linance charges related to any questioned amount. if we didn't make a mistake, you may have, to pay linance charges, and you will have to rnaAn up any missed pm/ueenrs flat ilia questioned amount. In either case, we will send you a statement all the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as dehnquani. However, if our explanation does not satisfy you and you write to its within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have at question about your bill. And,we must lellyou the name al anyone, we animated ynu to. We roust tell anyone wa report ynu to tint the matter has kern spilled hcrvaen us when it finally is. 11 we don't inflow these.. ales, we c;rn'i collect till! first S5f).pO of the qupStimm,rl amount, even if your bill was correct. Special states for Crt-dif Can$ Purchases Page 4 of 6 CMA12762 If you have a probiom 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 vwlh the merchant, you may have the right not to pay the remaining anwuni due on the property or services. This right does not apply to check transactions. There are two Omitations on this right: ia) You must have made the purchasu in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b} The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advortisoment for the property or services. Copyright (D2007 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 EMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 8 PA.C.S. 14904 relating to unsworn falsifications to authorities, that be is Juan V. Montemayor (Name) Assistant Treasurer of Chase Bankcard Services Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff 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. ature) Supreme County wwR N "" 08468906 C A Pit KMJ For Prothonotary Use Only: Docket No: The information collected on this form is used solely for court _,:dministrarion purnoses. "his berm sloes not supplement or replace the filing and service oJ.pleadings or other papers as required by law or ?-des of court. C4mmencement of Action: Complaint ? Writ of Summons ? Petition ? Notice of Appeal Transfer from Another Jurisdiction ? Declaration of Taking Lead Plaintiff's Name: Lt ad RefZndattt s N am?; U A,_T..A. , _ _ _ NANCY J BJURSTROM --- - - i ? Check here if you are a ScH-Represented (Pro Se) Litigant Name of Plaintiff/Appellant's Attorney: L?atTles_._..C WBxiLhx_odt_„42,524- Dollar Amount Requested: within arbitration limits Are money damages requested? : Yes ? No (Check one) outside arbitration limits Is this a Class Action Suit? ? Yes W No A Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARYCASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) ? Intentional ? Malicious Prosecution ? Motor Vehicle ? Nuisance ? Premises Liability ? Product Liability (does not include mass tort) ? Slander/Libel/ Defamation ? Other: S E C T I O N MASS TORT ? Asbestos ? Tobacco ? Toxic Tort - DES ? Toxic Tort - Implant ? Toxic Waste ? Other: B PROFESSIONAL LIABLITY ? Dental ? Legal ? Medical ? Other Professional: CONTRACT (do not include Judgments) Buyer Plaintiff Debt Collection: Credit Card Debt Collection: Other ? Employment Dispute: Discrimination ? Employment Dispute: Other J ? Other: REAL PROPERTY ? Ejectment ? Eminent Domain/Condemnation ? Ground Rent ? Landlord/Tenant Dispute ? Mortgage Foreclosure ? Partition ? Quiet Title ? Other: CIVIL APPEALS Administrative Agencies ? Board of Assessment ? Board of Elections ? Dept. of Transportation ? Zoning Board ? Statutory Appeal: Other i _. _..--- ---- Judicial Appeals ? MDJ - Landlord/Tenant ? MDJ - Money Judgment ? Other: MISCELLANEOUS ? Common Law/Statutory Arbitration ? Declaratory Judgment ? Mandamus ? Non-Domestic Relations Restraining Order ? Quo Warranto ? Replevin ? Other: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, V. NANCY J BJURSTROM, Defendant. Plaintiff s Address: 200 White Clay Center Drive Newark, Delaware 19711 Defendant's Address: 15 Roosevelt Street Cnola, Pe.tmsylvarnia 17025 717-732-4538 No, 10-6461 ANSWER CIVIL. ACTION ? i -« • C=D -i ?^ -:-r 7 y :a= : "11 F = cn r- m 1 i - q° c: ? (-((0- 1? C/J?o IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, V. NANCY J BJURSTROM, Defendant. No. 10-6461 ANSWER CIVIL ACTION ANSWER OF DEFENDANT Defendant Nancy J. Bjurstrom hereby enters an appearance pro se in the above-captioned matter and answers the Complaint of Plaintiff Chase Bank USA, N.A. as follows: 1. The Defendant lacks sufficient information to either admit or deny the allegations of Paragraph 1 of the Complaint. 2. The Defendant admits only a residence as alleged in Paragraph 2 of the Complaint. 3. The Defendant denies allegations of Paragraph 3 of the Complaint. Credit cards received by the Defendant contain more than four numeric digits. 4. The Defendant admits only that a credit card was used; the Defendant denies the remaining allegations of Paragraph 4 of the Complaint and demands strict proof thereof. The Defendant requests that the Plaintiff be required to provide a detailed accounting of all purchases, charges, credits, offsets and payments to the alleged account in order to permit further admissions and denials. 5, The Defendant denies the allegations contained in Paragraph 5 of the Complaint. Defendant requests twat the Plaintiff be required to provide ar_v originai, executed qgreemen alleged by Plaintiff. 6. The Defendant denies the allegations contained in Paragraph 6 of the Complaint. 7. The Defendant denies the allegations contained in Paragraph 7 of the Complaint. 8. The Defendant denies the allegations contained in Paragraph 8 of the Complaint. AFFIRMATIVE DEFENSES 1. The Defendant alleges that the complaint and each and every cause of action stated therein fails to state facts sufficient to constitute a cause of action against the Defendant. 2. The Defendant alleges that the amount claimed by Plaintiff has been inflated to include improper finance and other charges and late payment fees inappropriately charged by Plaintiff. The Defendant submits that these charges are unconscionable and that allowing Plaintiff to collect these amounts would be inequitable. The extra fees and costs applied by Plaintiff created an impossibility of performance. 3. The Defendant denies that Plaintiff is entitled to collect any additional amounts under any contract with Plaintiff. The Defendant contends that the excessive interest, lane fees and penalties charged by Plaintiff result in there being no enforceable contract between the parties that would allow Plaintiff to recover the amounts claimed. 4. As a result of the excessive amounts charged by Plaintiff, the Defendant has not been able to reduce the debt, making perfonmance of any obligation impossible. The Defendant contends that these fees should discharged in their entirety. The Defendant denies that Plaintiff is entitled to recover the interest that was included in the amount sought by Plaintiff, and demands an accounting of the manner that Plaintiff calculated the amounts prayed for in the Complaint. 5. Plaintifz has an affirmative duty to prove the amount of the debt. i , ..e i,'!a n itf cannot prove the amount of the debt, this matter should be dismissed with prejudice. 6. The amount that the Plaintiff alleges is due is greater than the actual amount due, and therefore the Defendant demands a complete accounting. WHEREFORE the Defendant requests: 1. That the relief prayed by the Plaintiff be denied and this action be dismissed 2. That the Court award such other and further relief as the nature of this case may require. r Nancy Bjur?tronl'J 15 Roosevelt Street Enola, Pennsylvania 17025 717-732-4538 Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that on this '2. f day of , a copy of the foregoing pleading was mailed, first-class, postage pre-paid to: James C. Warmbrodt Wettman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, Pennsylvania 15219 412-434-7955 Attorney for Plaintiff V I ` Nancy J. Bju st m INDIVIDUAL VERIFICATION COMMONWEALTH OF PENNSYLVANIA ) ss: COU.-NTY OF ) The undersigned, being duly sworn, deposes and says that: I am the defendant in the within-named action; that I have read the foregoing Answer to the Complaint and know the contents thereof and that same is true to the best of my laiowledge, except as to those matters therein stated to be alleged upon information and belief and as to those matters I believe to be truce. t Nancy J. ; ur oin Sworn to before e this day of r 2010. Notary Public IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CHASE BANK USA, NA Plaintiff, 10-4)46 NANCY J. B.MRS"TROM, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. I 144 1C In these Requests for Admissions: A. The word rson s " means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s " means all written, printed. recorded, graphic, or photographic matter, m", sound reprodl_Ictions, hu,,vt--ver or t'?T1rOduC ?, ??elfi:'li?1?l?T to any manner to !hz„ i ??eCf 1;73 tzr lndicated; C. The words "identity" "identify" "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity""identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. 1't= anv document called for Ly this request is vvithheld on the basis anv "laim of privilege or any similar claim, identity that document as follows: author, ?rd?lresse?; indicated o r blind copies, date, subject matter; number of pages. attachments or appendices; all persons to whorn distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Plaintiffs Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission. please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: Defendant resides at the address listed on the monthly statements dated March 20, 2008 through May 19, 2010 and attached to these requests as Exhibit "2." ldm fi tted Denied If the answer to Request for Admissions No.3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO. 4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted den ied If the answer to Request for Admissions No. 5 is anythin'- other than an unquaii;it', admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: Defendant made no payment on the credit card since October 14, 2009. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Uenied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: The interest rates listed within the monthly statements attached hereto as Exhibit "2" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted ;denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 10: $8,585.67 is a correct and accurate current balance of the credit card account in question as of September 28, 2010. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT 70PURPOSS Matthew D. Urban, Esquire Pa. I.D. #90963 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8468906 DEFENDANT'S VERIFICATION 1 , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledize. information lld Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the -: day of?&LQM 21) 1 C, tipon the followinu: Nancy J. Bjurstrom 15 Roosevelt St Enola PA 17025 By: CI:4At2702 of your account balance, including any fees and finance charges, and making sure it r agreement.Wenlay,L••.:t ? ? remains below our-d'ifillea?,orlirnitteeasndescribedin his of l ???? eason,we may Y charge are not required to, authorize charges ti:at go over seer credit line. Yeti must pay airs immediately it the osk you to. Tki .CCEPTANCE OFTHIS AGREEMENT i he card carrer ditcard account with us referenced Ola t amount over your credit Tina, and you :nest pay is : ount agreement aPPlies to any balanca on your acc, ncluding any bairnce over you; by . his agreement governs yourcre card for his account. Any use of your accountis covered b his xg s to pu authorize us to pay th in Y creditline. ur et sine, of the cash advance reduce, or in rouse ou e g :or,,tam lease read the entire agreement and keep it for your records. ctions made rot your account. You promise to , m^e liras At our discretion, H However. onion of your credit line, at any time. owever. if i You have a asked us not to du SO, vje igil owl ohhgatron ils art aiie c: s li or and charge your account for all transa aswell as anytaes or finance charges. ur account ne to P t y will not increase your c redit line. A change to your c yea , ay us for all transactivnsroade onyo each of you, together and individually, is responsible cur paying We may require that t account i i C ay us. ; u p raatior. l transact.ors r.•c.u e any its.tsacticn that rcu h t , s a jo n this amounts uu,ed, even if the account is used by only one of you. the otL•er parson(s) to Pay- kin ? .. rnational Transactions: t e rr, currency of r '1 a make •n,is + as a to ; g u pay ;he `oil amount owed vvishout • ;st as dvahen;oureceiveit.yoUwillbebovrdbythisayreeinent k °f Your cr ven if YOU dint t h b , J ra' e f , :e m ma if 't is made in JS dolls u nc d vet ta'ionzS C ac e e !'lease sign t s you or anyone sutnorized by YOU use Your account ter any Purpose, amen' ouwillbebovndbythis t , " a J a, r :}ternatwnal or ('lasta using its ies'pecuvu ruren-y cunll e,,.. , , r,,,c^ - in, s b e of - s h ra° ,y d you gnyour card.VJhetheryouuseyouraccountorno ithin 30 days after receiving your card and you have y e sl unlity sues convert currency is a rate Ehat r, sere, ^nhai ` ` e processng da;z i`.:hn 1t h:=b h unless you cancel your account w ! e e,pP abfe in the wheiesale r.urrur.c,' markers for ; l. of Ole itself receives avail account for any purpose. not used your our" Chase and Bank USA, IJ. all , Troughout this agreement, the words "we` "us" and "our mean `your s mean all h ' d rate may vary from the rate the respective eauty te. the ,ate m etiec! rnment-mandated rate in effect on the aPpifcable Precess,n9d a usadyour car d t still y s The wor the issuer of your credit card and avt?t°?his agreement,' eluding the personwho applied in l gove ate you onthe applicable processing date nay difterlrom the t ate or.tho y amount ou an adoihonal3 of the o ay die i-, U.S. ab a pros t ditio g y persons responsible for comp whom we address billing statements, or well as cards " more card account and the person to d" means one o h f y e the right U.S. made i or account on was on rnational t the ri whether that to Visa of b t i f Vi e or t rees in be liable on the account. The word car personwFto ag account numbers, that we have issued to permit you h e n y of any dollars or was made in anothar currency and converted to U.S. dollars sa Cal ide the U.S. .,liar amount V ill b its or other access devices, suc in credit under this agreement. b e h4aslarCard. In either case, the 3i? w The same process and char=_s iliaY apply ii any mtsrnahonal t emit}' th ta to o le USING YOUR RCCOUNT e only We for will not personal, respfamilyonsible used l a consumer account and shall account Y . a to us by transaction is reversed. fusal to Authurize Transactious:VJe may, but ate rot required 1e, decline a irailsa Client R r p our aw, ed by household purposes. Unless we agree of it is required sed through use of your account- You l e on your account for any of the irllvwinr_ reason.' I ,11 or ny ea for merchandise or services purchased or to use your account only for valid and lawful transactions. For example, interne' to make sw that you ibilit i cunsi c because of Operational ur acrvu is in default, I) se y prom gambling may be illegal in some places. It is not our respons and you will remain responsible for Sactions because yo if coo suspect fraudulent or unlawful activity or, , use your account only for permissible iran issibleorcvnternplaledunderihisagteemelit. n our discretion, for any other reason. ur aceoum is declined for lransactionevenititisnotPerm a for We are not responsible It;( aryIDSses if a transa-tlan on yo ou have sufficient credit availabie. it Types of yes of actions: rans T our card to for goods or services. ' y any reason, either by us or a thud pan;, even register 'four account with an ^ require that ma a use y purchases: You me} provide you cash advance cheats or balance transfer checks as a a chuck or checks' ma W }J y for online transactions, we tion system that we select. Vtre vrill nctif u if we v.^ar,t you to register. If you Y i vA y e - Checks: wayto use your account. We_ also refer to them in this agreement as account, fair ns c a oods or services, t f za author iransactiocs. ecline your online may r, we egiste not r do u v,nte is your request far funds-%Nhun 1ve receive k h to ose h or g o transfer a You may use a check pay ther uses allow. But you may not use these c hacks cks to compares. Drily t Onh Eke ted so f l yo ec Each c Checks: ecks: Pay to we may review your account to decide wheilter 1° authoriZe that ment reasun a r k f f or o a his account loom other accounts with us or any of our re h advance sign the check. Cash checks this a k , , y p or any o a chec check. We may, but era not squired tG, rnject and return ,;rlpaid : chock y m personhoss name is printed on the chec nt transfer checks are treated as balance may e are treated as cash advances and balance to you. make an}^ afar nt ing examples: he follow including • we or one of our related companies is the payee on the check. urwoUld been exceeded h li i Of O ks k . Howev sf ba transfers except as noted in this agreema checks as balance transfer checks However, checks i , as ne 1 or cash advance portion of your cr _d cred Your Yo a ence checks that vie calf conven hat we call convenience checks and that vie indicated coypu are subject tothe terms ssessed cash advance rates d rue paid the check. eycceded It a post-'fated check is Paid, I P5ulting m anotn=r check being ost-dated k i h paid de a t for cash advances, maybe treated as cash advances an . s p ec The c ere liar responsible. pot paid,vve returned and fees, fers:Younaytranerbalancesfromotheraccountsorl sfers ithtolder lance transfers we allaw. e b you have used iha check after the date specified Uit i. defaultorickld e i(t^epaid thecheck. i b ld is a ceelitc credit earl ssuers other lenders to this account, or other his account Irvin other accounts with us or any n cr Youare Ord check. rtcountn;!m Lost or Slaien Cards, Checks or Accou°t Numbers: 11 any eu !stink someone used of l But you may not tran nsfer kalances t° o u exceed your l p i available a rl an r m r rt d s s en, or y o! other means to access your account is lost or sto you most ;icing us ai once by calling the erSSgn ay i Ne .m P co o Y up fer of our relate l ya aace t an L,c L, ss fa pe poo available credit line. , may use them without your P mber Sernce telephone number shown tin your card or billing stzlz rleri. Du not count number of other rdme a C k credit tine. es;You may use your card to get cash from automatic teller machines, or foreign s checks l d , ac yavr account after you notify us, even your card, chec youi u se s found if returned- V may terminate cr sut.perid , is ur account ur account , er vanc Cash A from financial institutions accepting the card; or to obtain trave ire if anser';orsimilareash-kkechar9es,orto obtam fottery t -- - a means to access yo f nl env lass theft or f unauthorized use related to your _ Rfy •Yo ui i ern w _ T ,_, __-ti ., race ifackwagers or to[ stmt ar ettmy ransac ! tickets, casino gaming chips, service to make a payment on your behalf and billihe payment t d account. you maybe liable it there is mtauthvrized use Of your acrorniE eons which you receive 00 of such Uansacttoas, and you mere than S50 l f y par may also use a thir our related to this account. ible checking account with one li . or e no benefit, butYou will net be liab will not be liable lot any such transactions made after YOU nuwy Us of the loss, theft or lhonzed chargeslrornwhich z h la g H you have an e account our bank u aun unauthorized use. However, you must idenWyiorust banks, You file y d aft on t account to y account 0 aft on that checking acccocount under the e terms of this s agr agreeemeennt and verd received no benefit. you vide us information Iii vauti to help Us find cut what haPpened. , cover an n your checking account agreementt we divide time into periods called"billing rouni We may requite ymu to Pro VJe may also require you to comply wish corizin procedures in connection wish 01'r , Billing Cycle: in order to manage your ac oxiinaiely one month in length. For each calendzr month, ation. nvestig i cycles". Each billing cycle is appr ou( account will have a billing cycle that ends in that month. Your account will have a t there is a billing statement b PAYMENTS ctions: Your bitting statznienf ar,d accmpanytng envelope occlude t i l d o r Y Y billing Cycle ending in each calendar month whether or pu y ru mo L payme nu nt farts rho data an for snaking payments and _ ou uctions you must i i t n for that billing cycfe. t, that person will be acco omeone tuse your ns r which we must receive the Payment. n tin funds on epos. in a U.S. d l c i o for use Authorized Users: 11 you allow s ort authorized user d You may reque sit additional of that allhorized d user i h di aw ars amounts you owe in U. S, dol agree to pay h branch of a foreign iirarcial institution using a payment S he U up . ze or t rep aut on the cre your account. ltyov do so,this account mayapp allowing anyone to become an authorized user f b . . financial institution or t money order or automatic debittl:at will be processed or honored by your financial ilable credit may fi not be check l ore e n will user. You should think carefully You an. Y c you account as you the use tv person at h t allowing r account according are ou , ava institution. VIle will not accept cash payments. Your tota fter Cash, eiveyour payment. d y y because ount and each card issued on you charges all responsible for the use of your ac c paying r f o our ' l d ays a iastorod for up to 15 nt aback or other form of payment which you send to us for less than the full der es } u c This in nt . e m this agree of ms the ter n authorized user, b It Any P payme balance chaos marked"paid in Su: of with a similar notanen or that yeu otherwrSe ten :nest be sent to us at the ts) ts) -:), he u t on y a o your account made n authorized user's permission use your account. , , paymen in lull satisfaction of a disputed amount )conditional Paymen all our lights s VVe reserve nt t of You must notify us to terminate a ccoun t and/or different issueanewcardorcardswithanyother ounotifyus,wemayclosethea checks or any cards a - eme sia address listed on your monthly t conditional n e is no valid dis to or it pv For example, if it is determined the, ments a h oreco eras , y ny account number. You shoufd also recover and destroy . that authorized user f . y p regarding suc anysvch payment is received at anyvther address, we may accept the payment and 'yt such pat n t t rom means of access to your account also refer to the edit Line: Your credit tine appears on your billing statements.We may onion of how that only a p C l a y ance_ We may refuse to accep m still owe any r airing nut cashing it or by destroying :t. All usher payments :hat you make ou t i r so s e Your billing statement may a cash advance credit fine as a credit Vu l Cash advances, including h advances f , o y t returning should be sent to the regular pzyme»t address sno:•,n OF. your mr,Gth!y st:nzmen!s. s in . or cas fine may be used your ccks against the cash vance portion of Your h3e onsible forkeepingtrack f s r c r c PAX , p e it line. You are charged against your a e wansactions HNIT 1 age 1 of 6 x e?¦ at first if we decide not la increase your APR even though [hare is a t- lbe k or ore do not default rate stated in fir Fates an reel- ment checks axim h i se , e tn ble pay ve receive the right to electronica0y t effect your elig "Bull- in, the Irom the benk account on which the check is increase your APR up to t to your R 10 ie"s lof rreidnslaty our •e t 'T ble h ' s + t , ra a . presentmen duced dei re to charge ri ou d resentment and any rm}ne checks is your authorization for us to collect ete d u iiawn. O escretion ?. ur receipt of your payment es on your by,- draft drawn against the may e ad if needed d rates for all or S9100, or ll t N d i , , y, ca he amount Of She check electron Payrnentchuckswill be collected e}ectronically bystsodmgthe check our Uank.Your bank ccount to k b lan" rag v l lion ar a ew stan Finance Charge Calculation -Average Gaily Oance Mr hod (Including separately lot balance . a y pee ers amount along with the check, ranting and account num d as early as the same day we receive your payment. The our d i bit d 'fransactut os): We calculate associated with a different categmyafuansacUansfforexawP!u,PU1f,;hasos,balance ance va drab d t c , e n e e account may be destroyed and an image will be maintaine original payment check will be . a v cas es cks, cash advan transfers, balance transfer cii Thesecalculations maycombinedilieren[categories otion) h records. r mentdue, asshown pay at leas; the minimum payment You agree a and time payment is due. uug rn i t d . prom advances, and eac This is how it works: e the same daily periodic rotas har c ° f' r` t + t a a ^ eive ;1 by the ;-l •; ng s..?'nt, sa ;hat we rec r,r.me bilking a1 the full amount you ur o and m Y P ayment due urt W e V " We calculate periodic ;;tran advances d, ?d overdr, checks?2 d vancers uy cash advan checks t , p the ;au ;r• =y i av i1are'b.an the .au:,m teal. is sub1ect to finance cha;ges, me. i! you have a balance e tinancechrn]Ns ti - , an _ . sr ans the daily balance i reach of dlto>c; ca'iegxries by "i, the':a ;C 011i! t ' ; : c raa aPY have o; U ma d Y n l s ; Iheicssyouwilipayinlia ncechargesbecaus yay us , soonerycup our balance each day. balance (the n di , ay. O of those ca[egries, =ace; nr d b?.^.ks. ch t • cu have linked this account u a checking account v,ih cne °. r;r rriai2 balance lrsnsiers, ?a a.:cu urchases tut y accrue o ng Your billing statement shows your beginning balance and your en If the New Balance is S10.OD or less, your ment} t , p We calculate the periodic ;;trance charges advance check s subjecl '? a prum utianaJ nsfer checks, cash advances. and ca sh ad t , e 'New Balance' on your pilling sta :? will be the New Balance. Otherw ise , it % will be the largest of f 1 of the New Balance, inimum payment dt ra rate tile same way, but Na use the tl emotional rate. tot each category: h d m rite following: StD.DD; 2% of the New Balance; or the sum o A and any billed late and averfimit fees. As charges i ay To get it e daily balanc e for eac that day. r f u inning balance bit be d d il k rt , nance totzl bitted periodic rate l imum payment due, vie also add any amount past due and any amount i g e ia e e ta ether charges, an !. We add to that balance any new transactions, tots, cash advance, urchase t:' n part of the m menu over your credit tine. are authorized to allocate your pay ree that , p We add a ne er j c a t adjustments that apply to that as o, t ,a e j the deity balance h ayp it al a lance transfer or overdraft advance, he b eb way You ag Payment Allocation: and credits in a a way that is most favoraple to of convenient for its. For example, you nceswithlower APRs (such l b ck a ct}on da e es add he date tuc a o cash ans he ti e- balance as hric eoa ly k to n a a authorize us to apply your payments and credits to l APRs) before balances with higher APRs. sier che tru ance bal or check is deposited by a pavee, of a 42tet date at cur r check or balance transie c as promotiona crodil a refund credit Balances: You may request tSie a amount of newachaagestor ices billed eb l choice. subtract from that balance any payments, credits. or crrolt aotustrneots !hat W y anc pa edit yc r olan nt uu m thea c e ed u r e apply [othat cote gory andthatarre ecraditedasvjthafday- a to your account. a third party to autmharges,y charge your ay a m berships You es: rg a Ch atic t o m u A monthly utility le m m le We treat a treote a s a e of zero. vie add the daily trea beginning b balVanalacnce for each category for d e n=z! day, eriodic rate il d T ace f il (for exa anyfe on , alest , p p Morro r exa nc a omatic charges are stopped for any It y p a o o daily balance. if mega titan one eriodic finance charge to the y period on the a m re 'b brg u or your nd insurance and insurance pr count unt i. is f suspended ur ur brie any closed randd charges a} yin 9tl e our account use b p y ay because the rate for the Pea }d apply to a category fare will use the daily periodic rat: that applies balance ll d p p y eca r the notifying le for from changes, you are responsib we may, but are not required to, pay r es n h , y a amount of its average r the average daily balance amount at the and of the bitting cycle to calculate the tovidrs for daily f city di , g a It your account number c unt number chargesthat you authorized tube U}Iledtoyour old account o daily periodic finance change each day. This agreement p your your now acco numpec special terms lot Your account. If we offer e ma compounding of finance charges. we zdil all of the daily et the total periodic finance charge ,or the billing cycle, that billing cycle. To rin d y le they will be in effect. Promotions: From time is time w otter and how long olihe do, vie will notify you about the terms of this agreement, as modified by the g g u periodic finance charges for each category for each day it any periodic finance charge is due, we will charge You at least the llilisnecessary ver l rms te Any promotion is subject to the terms , Howe a. esiodiclinancechargestateiliniheRatesandFaesTaU we add that p m ntin finance charge i promotional offer. , mum additional amount to reach the in:n dd an n a to de during the pining cycle. yc Dad ANCE CHARGES Rates and Annual Percentage Rates: Your annual percentage sees ies arelisted onthe Rates and fails Dai sy i di amount to the balance fur purchases ma bethe sum of the Th rota{ finance charge on your account for a billing ;:Vile w e ill e r count f h c pr o and the corresponding dairy per a t l n get attthedlihh of pt'is the d nd ot e r d e fee r:e o plus any Periodic ar.gnervtransacucns} ic finance charges l- piu aven sactiotype}inria:rncnc Tab h l e that ip ctt always rou by 365 eff , and n eriioedic rate is fate a APR the divide we eriodic !ean re adding all your daily balances and dividing that arnount try b l A p te der mal po place to the right of the t your account wilh changes charg ry Gnat apply mof Retest One or with changes to the Prime t i y e for the billing cyc the number otdays in the billing cycle. 11 you multiply the average daily balance for licable d wily pz nodic fate, and multiply the result by the number a th t b th f ind PR you a en he P to es 1a the Prime Rate. When you have an APR that var adding a margin to the Prime Rate published in The ll b pp e y a ur z catzgory equal the periodic finance chat a days in the bilfino cycle, the Iota! r t fur mirror vanatians due eo rounding. ill ic rip lor ing y calculate the APR Rate, we c Wall Street JOUrna1 two business days before the Closing bare shown on your bi U Prime Hate published the Money billing cycle, excep balance attributable finance charges l periodic acce to that of F of Finance le ept ,u Accrual e nd n d l b i i statement. The "Prime Rate" is the urst { if The he Wail Street Journal slops publishing t Journal lli S c a a a a o ly your da Grace Per added e charge from the data it e, we do not charge periodic r Rates . tree ng Rates section of The Wall the Prime Rate, we will select a similar reference rate e and nd inform orm y you onyaur bi , Howeve full is received on your account. until paymentin urchasesbilled during a billing cycle if vie receive payment new statement or Ihrouyh a separate notice. f? r ,earn rh -- - p }trance charges on ateami tins yon'TTPaYmeu°°A?Ll line ment b t f r New bol dance y i nt v margin is top ss day.' is any day that is not a Weekend e or r for lso lists the margin and i rI e " y you ng sta e o New Balance on your previous bill s only received payment of your ment was due. This exception s cu period' a ne a bus t rates , Fees Table shows which rats, if any m daisy periodic rate and corresponding APR. i i y your p dtoot pur and time chasesme a yndoudoss not apply in balance transfers, Ualanceuan;for checks, rash tilister if I d ; mu n each variable rate and any m in to P ime Ra wr see onyour show l d Cl in to that Prime Rate fe got Two mar mar bl ances, v a overdraft or advance h checks cash advances, ash advance tee in f a c you Fees far Cash Advances: WE! may .,c , h ti d e ad hat t e Pri a Rate is. We the g w g e tile Rate s. dithen add the applica a what the dic rate calculated as described above. i cas on Transac a'' `" cberks an r cage ta Table Fees and stated amount the Th d o 11o APR. The oily per rate well applytas+ofcthe billing first If our calculatioon results in a change to a deity d advances. ou use a hied party service l" n:arce c paym-ni "o Y2nr behalf red it i the new cl because ,ndar month in which we made the l the le cyc e R that ate e has nds in the caleh di i y ce In addition, the service charges ha payrnuntto this eccuunt, wu r:,ay ci:a:ca is !r_nsacnur. cy c o e you r billing cyc ouwill have topaya higher per of ay e to ray a higher ru payment. h h a h i r for the payment. These transaction fees are finance charges. We add the lee ur the balance lot the a For example ce d av finance c arge and y afy f you ave p Deface charge and may n default under this agreement os Rates: Your APRs also may y you anies for any at lt m f d , . van related category as at the transaction dale of the cash a h advance .would be added to your cash advance be!aace_ p au co any De or any other agreement you have with us or any of our relate transaction fee for a cas far Balance Transfers:>,A+e may charge you z balance transfer lee F cite following reasons: account or any other owed on ment that is ecs Transaction in the amount stated in the Rates and Fues Table for balance transfer checks an unt by the dale and time we payment due ant riot or loan receive, with f o r s, at any 'east pay minimum balance transfers. We add the lee td the balance tot 11 es e chan li acco due. . g nanc These transaction lees are s of the transaction date of the balance transier. For example, a 'your credit line on this account. Bxc,oe You bank. by your that riot honored ed us that nt me a al u related category a transact}on fee for a balance transfer would be added to your balance transfer ak y on • (including anyVromo APRs occu c the M aYounyat make thesae avep we m rts rdraft advances} up to a maximum of the default v i Valance. OTHER FEES AND CHARGES e ng o APR) on all balances (exclud rate stated in the Rates and fees Table. We may consider the following factors to as bee our r t n th es a may ill be added no the balance utf purchasesdn ade during lf ' an indications unt; other your acco determine Yet ousness[ and tiro ng}of vhe deiau is oi s ut o other telatia existence b ab e. These d Fees r s w cycle. n annual membership tee, it will be h mer , o your account usage and mance;in ittio iona ies; and d informationtionwe we obtain in from consumer as a Annual Membership Fee: If your zccovnt Anne monthly installments (as stated in the Rates and Fees Table), %- with us or any of our related d c coounmpan credit bureaus. The default race will take elecr . as of d f billed each year or to ou use your account, ant! you agree To pay n'a,hen billed. The annual t rom credit reports obtaine first d zy of the billing cycle in which the default occurs. the y whether or no Page 2 of 5 CIVIA12762 ;nernbersHip lea is non-refundable unless you notify us thal you wish to close your account ?rsip ti annualmernbL erfl vi;hir. all days Of,, e date we mail your billing o Touts and ding bralanfce in ull. Your payment ice is charged and at the same lime, you payY of the annual membership fee does not affect our right to close Your account or limit your right to make transactions on your account. If your account is bred you or us, we ng balance ,.will continue to charge the annual membership lee until you pay Y in full and terminate your account relationship. and ent muat Paym rot receive at least the required mini late Fee: It we Ne maY ltcha tie the time it is due as shown on your billing statement for any billing cycle, late fee shown in the Rates and Fees Table. H the late fee is based on a balance, we 6atct!1318 the late tee using the Previaus Balance on the current month's statement that cv;? t::3 late ice. Ihis balance s the sania as the New Balance silown co the prior ve at Isest the required minimum payment merit s statement tar vitich . did a 01. date'IndiI It "J:ts due Overiimit Fee: II you, account Wlarrud is u,,Ri nor credit Tina at any time during a 641iea cycle, even it only tot a day, we may charge an overiimit fee. We (flay el,ego ' even if your balance is over the credit line because of a finance charge or fee we imposed or a transaction we authorized. We will not chargo more than one overiimit lee for any billing cycle. But we may charge an overiimit lee in subsequent billing cycles, even if no flaw transactions are made on your account, it your account balance still is liver your credit line at any time during ilia subsequent billing cycles. Return Payment Fee: If la) Your payment check or similar instrument is not honored, lbl an automatic debit or other electronic payment is returned unpaid, or (c) we must retain a payment check because it is not signed or cannot be processed, Y cbarge rewrn payment fee. Return Check Fee: It (a) we stop payrn'_nl on advance check or balance transfer check at your request, or thl we fefuse to pay a c check, we may charge a return check lee. Adminisiralive Fees: If you request a copy of a billing statement, sales drah or Other racoid of your account or if you request two or more cards or any specia'services (tor example, obtaining cards on an eEpedited basis),we may charne you for Lhasa services. However, we will not charge YOU for copies of billing statements, sales draits or sinner documents that you request lot a billing dispule you may assert against us under applicable law. We riiay charge, for any services listed above and other services we provide, the fees from tine to time in effect when the offer the service. Binding Arbilratiuu. This Arbitratiar, Agr aernent is "lade pursoam w a transaction involy ng interstate commerce, and shall be governed by and be eotorceable under the Faderai ArbitrationAct(the "FAA ),9U.S.C.§1-16 as it may beamend ed.ThisArbiuanonAgreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of lasing litigated in court. Parties Covered. For the purposes of this Arbitrauor. Agreemen:,'we ,us'".aria our ciao includes our parent, subsidiaries, affiliates, licensees, predecessors, succeswr,-ssigrs. uny purchaser of your Accoun, and all of their officers, dirzciors, einplayees, ai' and assigns or any and all of them. Additionally, -via.. "us" and -our" shall include any hind party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, nrorchanis that accept any credit device issued ucdar the Account, rewards prpgrams and enrollment services, credit insurance companies, debt collectors, and all of lhair officers, directors, ^nrpi ),(°2s, agems and rauresontahvesl if, andmtlyif,such :: third partyi:,r±?r>>d?y',•ou tinvClaimyoulss.•ri 3 gains', US. i'r- I ri tGl Claims Covered. E:utei 'iuu or sde ;pry, en,nO t I zr s copse l ci binding arbitration of any claim, dispute or cDr-arov,;f ,y by either ; .J o s st other, or against the employees, parents, subsidiaries, alliiiates, bareficiaries, agents cr assigns of the olhe(, arising train or relating in any way to the Caidrnembuf ;rife' (new, any prior Cardmember AgreemenI, your credit card Account or the edvertising, app or approval of your Account ('Claim'). This Arbitration Agteement governs all Claims, whether such Claims are based on law, statute, contract, regufatiOn, ordinance, ton. common law, constitU1iorai provision, or any legal !heury of Jaw such as respotrdeai superior, or any other legal or equitable giound and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratury or equitable i efief. Claims subiecl to this Arbitration Agreement include Claims regarding the appficabibty of this Arbitration Agreement or the validity at the entire Cardmember Agreeineni of any prior Cardmember Agreement.7his Arbitration Agreement includes Claims ihal arose it,. lha p351, Of aril= in the ptesenl or the future. As used in this Arbitration Agrcemanl, the form Clairn is to be given the broadest possible :reaming. Claims sub)ectio arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a party vaLo initiates a proceeding in coot may elect arbitration with respect to any such Cl.nns advanced in the lawsuit by ;ray party or parties. As an exception to this Arbiuaiiun Agreement, you retain the right to putsua in a smell claims court any Claim thatis within that court s jurisdiction and proceeds on an individual • hasi- DEFAULT/COLLECTION b is If a partyelectsto arbllrata a Ctaim,tha arbrirztion.vill be amtducte'+as anindividual We may consideryou to he in default it ar,y of these occurs: We do riot receive ai least the minimum amount due by the date and lime due as shown an your billing statement. You exceed your credit line. ms v1 this agreement or any agreement with one of our You tail to comply with the ter related companies. to believe th-,i you may be unwilling or unable 11) We obtain information that causes us pay your debts to us of to others on time. You Lila for bankruptcy. You become incapacitated or in the event of your death. If we consider your account to be in default, 'Ale may close your account Lire vrto pan and require you to pay your unpaid balance immediately, Vde also may retl' you y interest at the rate of two percent S2/.) a month on the unpaid balance when we deem your accounlto be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have tailed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agfeetnent. CLOSING YOUR ACCOUNT You may close your account at any time. 11 you call us to close your account, we may require ha yo co rrequ?sTtir"r'ir ' Wa may close your account at any time or suspend your credit privileges al any tune lot any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you lot any consequences resulting from closing your account or suspending your credit privileges. H you or we close your account, ,von and any authorized users must immediately stop using your account and destroy all cards, checks of other means to access your account or return them to us upon request. Yov will continue to be responsible for charges to your account, even if they are made ar processed after your account is closed and you will rms be required to pay the outstanding balance on your account rney oidi geto thto pay the this agreement. In addition, to the extent allowed by law, you 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 REPLACESTHE RIGHT TO GO TO COURT. YOU WILL 140T 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, 14OR WILL YOU BE ABLE TO BRING AI4Y CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED 174 A CLASS ACTiO14 OR OTHER REPRESENTATIVE ACTION. 114 THE ABSENCE OFT HIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS JINCLUDiNG 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 IAORELIMITEO.EY,CEPTAS OTHEMNISE PROVIDED BELOVd,THOSERIGHTS AREWAIVEO. as action. Neither you nor we allies to any arbiUaUOn on a class 1), repraser, .r and the arbitrator shall have no autharity to proceed on such basis. This means that even fsclass action lawsuitoroil, lefrep; esenlallveataion,such sthatin!hetennofaprly;ne sCh attorney general action, is i fled, airy Claim befvreea as rsl a',ed to tire issues raised in U lawsuits will be Subic ct loan individual arbitration (Jai at i; u."heI yae ortn'a so l'13 i. proceeding arbitration will be consolidated Will) any othe+ arbitration without the consent of all parties. The only Claims that may be joined in an individual action under this ArbitrationAgreemunt are (1) those brought by us against you artd tiny r o- -deem, joint cardmember, or authorized User of your Account, or your heirs or yodmembter. in bankruptcy or (2) those brought by you and any co-app Inm authorized user of your Account, or your heirs or your trustee in bankruptcy 39arnsl us. Initiation of Arbitration. The party tiling a Claim in arbitration roust choose one of the following twa arbitration administrators: American ArbOrativn Association; or National Arbitration Forum."rhese administrators are independent Isom us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial Third parry chosen in accordance with the roles of the selected arbitration. administfator and as may ba provided in this Arbitration Agreement. Any arbitration hearing that you attend shall ba held at a place chosen by the arbitrator or arbitration administrator within Thu federal judicial district in which you -fetich at it4444ytlra0aj;nis_M=d nr ai sump-Q-1her P ace to which you and we agree in writing. You may obtain copies of the current rules of each of the two ar nrauon administrators, information about arbitration and arbitration, Ices, and instructic,ns Inn initiating arbitration by contacting the arbitration administrators as tullows: American Arbitration Association, 335 Madisuo Avenue, Floor 10, New York, NY 10017-4605, Web site: wwn<adcarg,auo-lllf•7a7s;or ,yob site: National Arbitration Forum, P.O. Bcx 50191, l4inneari0is, MN 554U5, www.arbitrationAorum.com, 600-474-2371. Procedures and law applicable it arbitratiou. A single, neutral arbitrattr will resolve Claims.The arbiuatorwlll either be a lawyarvvith at leas, tern years axotinance or a ; =tired or former judge. The arbitration will be conducted under :ho applicable procedures and rules of the arbitration administrator that are in eifect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreernern, in which caseihisAgreementwiP.prevTil. These procedures and ri;lbste4tive ainatint of discovery available to yvu of us. The arbitrator -will apply applicable sJ consistent with ilia FAA and applicable statutes Lit hill:[ations, and will honer claims of privilega recognized al lave. You may choose is have a hearing and be represented by counsel.The arbitrator will take reasonable steps to protect customer Account inlormation and other confidential information, including the use of plotactive orders Is prohibit disclosure outside the arbitration, it fi)questud to da so by you a; us. The arbitrator will have the power to avjafd to a party any damag's or oilier relief provided for under applicable law, and vvill not have the power to award relief ia, against, or for the benefit of any person who is not a party to the proceeding. H the iaw• authorizes such relief, the arbitrator may award punitive danages or attorney fees. The arbitrator will make any award inwriting but need not provide a sla!erment of i easons uniess requested by a party. Upon a request by you ar us, the arbitrator vvill rmrde a riei statement df the reasons for the award. Costs. We will reimburse You for the initial arbflr3tion lifing tee paid by you up to the amount of S5DO upon receipt of goof of payment. Additional:;, it there is a h•_aring, we Cf-M27762 Pace 3 of 6 will pay any lees of the arbitrator and arbitration administralOf for life first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration adrninistraior selected by you or us pursuant to this Arbitration Agreement. Ail other tees will be allocated in keeping with therules of the arbilrat on administrator and applicable law. However, we will advance orreirnburse, tiling fees and other fees it the arbitration administrator or arbilrator determines theta is good reason lot,,equiting us to do so or you ask us and we determine there is good cause for doing so, Each party will bear the expense of file lees and costs of that parry's attorneys, exports' witnesses, documents and other expenses, regardless otwbich party prevails, for arbitration and any appeal (as permitted belotv), except that file aibitraior shall apply any applicable law in determining whether a party should recover any or all lees and costs lion) another party. Enforcement, finality, appeals. faAu;e or arty delay in enforcing this Arbitration .yreernerd at any lime, or in connection with any paiucuiar Claims,'=viii nut constitute riaiver of any rights to requira drbitrrtion at a Iatef line ono corncecuon with ally other Claims. Any decisiun rendered ir. sue zrbivaumt proceeding will be final and binding on the panies, unless a party appeals nwfmust l request ainuwrarbitration within 30 days of issuance of the award. The appeal q before a panel at three neutral a(bitraturs designated by tfce same arbitration oryanization.The panel will reconsider all factual and legal issues anew, follow the ons same rules thai apply to a proceeding using a single bitlat molar, lease decis rand expenses based on the vole of the majority. Each party will bear expenses for any appeal, but a party may recover any or all fees, costs an applicable from another party, it the rnajonly of the panel of arbitrators, applying law, so determines. An award in arbit ration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severabifity, survival. This Arbili atinn Agreement shall survive: (i) termination or charges 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 lite transferring of the balance in the Account to another acc JtJii) ilia bankruptcy of any party or any similar proceeding initiated by you your and (iii) payment of the debt in lull by y'ou or by a third party. it any portion of this Arbitration Agreement is deemed in'dalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or rnoditying any provision. Our right to add, delete, or modify provisions includes financial leans, such as the APRs and fees, and other terns such as the nawre, extent, and enlorconfent of the rights and obligations youar we may have relating to this agreement. Modifications, additimns, ur deletions are called 'Changes" or a "Chance applicable law. These Changes may V:re will notify you of any Change if ieouired by app be effective with notice only, at the little stated in our notice, in accofdwih applicable law, Unless we slate otherwise, any Change will apply he unpaid balances on your account and to nein. transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or du not exercise those tights. Foori? xa doenm."anti to may state that you may notify us in Wifing by a p'• you accept certain Changes we are making. If you notify us in writing that you da not accept the Changes, your account inaybe closed {if it is not already dosed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement If you do not nobly us in writing by the date stated in the nonce, or it you notify us but then use your accourt after the date stated in file notice, you will be deemed to accept all Changes in t'ne notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardlass of whether you have access to your accounl. We may periodically review your credit history by obtaining information tram credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. It you request additional cards on your account ter others, we may report account information in your name as well as in the names of those other people. It you think we have reported inaccurate information to a credit bureau, you may ."rile to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a briui description of the problem. It available, please provide a copy ul the credit bureau report in question. We will prompily investigate the matter and, if our investigation shows that you are right, vve will contact each credit bureau to which we repotted the information and will request they correct the report. if vie disagree with you after know hal you no our credit vbureau that you dispute Inc informationburiesss you aletJ s i the longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at ilia address shown in cur files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain ubligated on the account. If you change your name, address, or home, cellular or business telephone number or email achfirvss lit must malit you elect to receive billing statements or other notices online), you immediately in writing at the address shown on your billing statement. We may, at cur option, accept mailing address corrections from The United States Postal Service. We may contact you about your account, including for customer service or collection, at any address or telephone number as wall as any cellular telephone number you provide us TELEPHONE MOl;I1TORiNG AND RECORDING We, and if applicable, our agents, may lislen to and r eccrd your telephone calls wilt; us. You agree that we, and if apphcabie, our agenns, ray do so, whether you or we initiate the telephone tali. INFORMATION SHARING You authorize us to share certain informalion about you and your accountwithin uur family of companies, and with others outside our fancily of cmmpanies including ary company or organization whose name or mark may appear on the cards, as permitted by law. Dui Privacy Policy, ,vhich is provided to You wirer, you first receive an agreement and al'luast once each calendar yea r th ereatter, describes our intornruam sharing practices and the choices you have and directions you -wit may companies us aL-uut our sharing of information about you and your acconn, por organizations within and outside of our 1=rnily of tampon:=S. ILLINOIS CARDNIEMBERS ';iiinois law provides that w0 rr;ay not share information about yog w&L companies or other organizations outside of rm iairil; of companies unless l;j aahonra ; e sur,u disclosure or Unless tie disclosure ]alts under another ex.capuon in the as sharing information to process yuur transactions of in r espansa to a subpoaaal. You hereby agree that, if you choose 1101 10 exercise the applicable out out described in our Privacy Policy, you will be deemed to have authortzad us to share per.;unal iniolinationwe have about you (including information related to any of the products or services YOU may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or riot enfoico any of our rights under this agreement without losing our fight to enforce them in the futuro. If any of tie lairs of this agreement are found to be uneniurceable, all other inrms witl remain in lull force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations underihis agreement io a third party. The person to whom we make the assignment will be entitled to any of our rigbis that we assign to tnat person. GOVERNING LAW THETERIASAND ENFORCEMENT OFTHIS AGREEMENTAND YUIIRACCOUNT SHALL BE GOVERNED AND INTERPRETED W ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW DF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, VV1LL APPLY NO IAA( fEH WHERE YDU LIVF DR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service talephone number on your card or billing statement if you have any questions ajboui your account or this =_greernern. YOUR BILLING RIGHTS I(eep This Notice For Future Use This notice contains important information about your ngltts and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or it you need more information about a iransaciion on yourbiil,write us on a separate sheet at the Cardmerber Service address shown on your billing statement. Write to us as sown as possible. We must near from you no later than 60 days alter we sent you the first bill un which the error or problem appeared. You can teluphorie us, but doing so will no: preserve yuur rights. In your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you bolievo there is an error. Ii you nee more rn um .. rsurvabr'1 - It you have authorized us to payyour credit card bill automatically tram your savings or checking accoUtit, You can slopthe payment on any amount you think is wrong. To stop the payment your letter must reach us at least ihrie business days before the automatic payment is scheduled to occur. Your Rights And Our Re:;ponsibilities After We Receive Your Writien Notice We must acknowledge your letter within 30 nays. uniess we have corrected the error by then. Within 90 days, ire ;rust eiticer correcl the error ur explain why via believe the bill ivas correct After we receive your lefiei, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, end we can apply any unpaid amount against your credit lira. You do flat have to pay any questioned amount while we are investigating, but you ate still obligated to ;fay the parts at your bill that are not in question. If we find that we made a mistake on your bill, you -will not have to pay any finance charges related to any questioned amount. 11 we didn't make a mistake, you may have to pay finance charges, and you will have to make up cry:-nissed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the data that it is due. If you tail to pay the amount ihatwe think you owe, vie may i epcn ycu as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone vie fEpon you to that you have a question about your bill. And,we must ie11 you the name of anyone we reported youto. We must tell anyone,,-,-e report you to that the mailer )!as ber•.n settled benvr-en us when it finally is. if vie don't follow these rules, via can't collect the first S50.00 of the questioned amount, even if your bill `Nab carrec. Special Rules tar Credit Card Purchases CIV)AI2762 Page 4 of 6 If yeti have a problelnwith the quality of property or services that you purchased with e credit card, xnd 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 fight does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within IDD miles of your current mailing address; and (b) The purchase price must have been more than 550.00. These limitations do not apply it we own or operate the merchant, or n vie mailed you the advertisement for Ilia property or services. Copyright 02007 JPihor an Chase & Co. All rights reserved CMA12762 Page 5of5 StMENT110M for aooouM number: 42M 8411 7019 6361 New Beleme Payment Due Date Pant Due Amours Minimum Payment 56,410.13 05!0"111 $000 $166.00 ??11 "a your d..k p."bk to Ch.- Card SeMa>. Mount Enclosed New address or o-mail9 Pmt on back. 4266841170696367,00016800008410130000008 1025 811EX9 /,0050 NANCY J SJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 LoIIL..IIL...JJ.LI...1.11...6.IIAI.... J61.L...III CHASE O ...1.1.....II,.II..I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19686.5153 5:5000 LS0 281: 203 L 1 70696 36 13ea 8468906 Open n t alt Dow 03120N8 - CUSTOMER SERVICE Payment Due, Onto: O 05N6r08 945 -2000 In U.S. 1-80 Wrim rn Payment Due: CHASE 844 6 $168.00 Espanol 1-65 a-M6-3305 TDO 1-600-955-8060 Pay by phone 1-800-436.7958 Outside U S. cell collect 1-302-5948200 VISA ACCOUNT SUMMARY Account Nunlbar: 4266 6411 7066 6361 Previous Balance So 00 Total Credit Line 4000UNi INOUIRIE9 513.000 P.0 Box 1S298 Purchases, Cash. Debts .$8.305.13 Available Credit S4,5t19 Wilmington. OE 19850-5298 Finance Charges +5705.00 Cash Access line 52,600 New Balance .410.13 Available tor Cash 6 52.600 PAYMENT ADDRESS P.O Box 15153 Wilmington. DE 1198116-5153 =L rtNCre0acards REW ARM SUMMARY To redeem your points, call the number on the Prericus points balance 0 back of your card or log on to Points eamed on purchases 1D6 v,lww.chase.oonJveditcmds New Iota points balance 106 106 points to expire on statement dale in April 2010 TRANSACTIONS FINANCE CHARGES Rnxxa Charge Daily Periodic Raw Corresp Average Daily Due To Trarnacton Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases .00000% 000% $0.00 $0.00 $0.00 $000 $1.00 Cash advances V .05919% 21.24% $0.00 $0.00 $0.00 $0.00 50.00 Balance transfer 00000% 000% $6.546.66 S0.D0 $105.00 $0.00 $105.00 Total finance charges $105.00 EfleclMe Annual Percentage Rate (APR): 15.38% Please we Inlormetwn About Your Account section fa balance computation method, grace period, and other important lnlormeion The Corresponding APR is the rate of imereal YOU pay when you carry a balance on ary, transaawn category The E1laoive APR represents your total tkan® charges - including transecion lees such ss cash advance and balance trenater tees - expressed as a parcemage oomoo, FIS--31160a coo v a 10 G a P.D.1 a1 0"" -w-0 10 am oaaaaaaaan Y.aa1 X rm+xasuo» 2of41 Trans Amount Date Reference Number Merchant Name or Transadtim Description Credit Debit Statet$te$tt for account number 4288 8011 7069 6381 CHASE O New Bolan Payment Due Dote Past Due Amount Wrimmum Payment $6,317.16 06/06108 $0.00 $166.00 Make y-h-k psyellie to Owls Care 9-'A-- Amount Enclosed 'g ?Nar addrees a e-mat9 NO on beds. 426684117069636300016600008317160000001 061'L 9Df v 1.0011 o 1...111.1..1..1.1..1..11...1.1....11.1.1...11..1.1...11..11.. NANCY J BJURSTROM 15 ROOSEVELT ST CARDMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 19586-5153 L..IIL..ill.....1.Id.1...LIL.iL.ll..lir....ll.ld....lll 1:5000 L6O 281: 2031,17D696361,311- OpenndCloeirng Date: 04/20p8 -05I1W08 CUSTOMER SERVICE Payment Due Dare 06p8106 In U.S 1-800945-2000 Minimum Payment Due: CHASE O $166.00 Espanol 1-886.446-3308 TDD 1-800-955-8060 Pay by phone 17100-436-7958 Outside U.S. call collect 1-302-5948200 VISA ACCOUNT SUMMARY Account Number : 4268 $4117069 8361 Previous Balance $4410.13 Total Credit Line ^P7-sox NT INOUIPoE3 $13.000 15298 Payment. Credits .5350.00 Available Credit $4•602 Vddndnglon, DE 198505298 Purchases, Cash. Debts 4257.03 Cash Access Une $2,600 317.16 Available for Cash New Balance 8 $2,600 PAYMENT ADDRESS . P 0 Box 15153 Wilmington, DE 19806-5153 VISIT US AT: wow atria mmlallditcorea RFW ARnC SI I66$QAR V To redeem your points. call the number on the Previous points balance 106 back of your cord or log on to Points earned on purchases 258 wow chose.com1cradscards New local points balance 364 106 points to expire on statement date in April 2010 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaclon Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rafe Fee Fin Charge CHARGES Purchases .000009: 000% $9600 $0.00 $0.00 $0.00 $000 Cash advances V 05751-1. 2009% $000 $0.00 $000 $000 $000 Balance trensler .00000% 000% $5.116.07 $0.00 $0.00 $0 00 £0.00 Total finance charges $000 Effective Annul PertsnLrge Rate (APR): 0.00% Please see Intormston About Your Accent section for balance comp0la?on method. grace period- and other imponam intorrna?on The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Eflecwe APR represents your total finance charges- including transaction tees such sal cash advance std balance transfer tees -expressed as a pacertege IMPORTANT NEWS Guard against identity theft and manage your credit irdormsion wih Chase ID Prolectim. Gel unlimited access 10 3-n-1 a.. reports and scores. daily mor coring of your credit ties. timely Edens end more. To purchase, colt I-aae-717-7534 or visit www.ctlnaidproteaion.com. 8468906 Coogan Fla3'1,'6 06 War v C 19 Ds cSn 9 pv.1 a f Mae -W 0056 1 W1,00D0010M4156. Z 0061 M5na0el 24 of 41 State$11e$lt for accotntt MMwblar: 4206 0411 70M GWI Now SPayment Douce plea Past Dua Amour! Minimum sym oo CHASE O $0,7266, Mass Yehhr almeck P.7*MS te: Chsns Card -. Plsesshwiu. ngurx andosed. Nerr add- or -il Pmt w beck 426684117064636100017400008726610000008 06w7 a+7+Ogo i...???.Ld..L?•.L.II...1.1.... 11.1.1... 11.11.•.11••11..1 NANCY J BJURSTROM 15 ROOSEVELT ST CAROMEM13ER SERVICE ENOLA PA 1 702 5-2 736 PO BOX 15153 WILMINGTON DE 18886-5153 iu.111n.111...n1.1.1.1...1.11n.iuilult.... •?? d.1..n111 1:5000160 28r: 203 1,170696361366 t yq e: 05/20108 - 0 6/19 CUSTOMER SERVICE s ?e 0 45-2800 In 1- U.S CHASE O Mirtimum Payment Due: alll 1 -N86O6-4 $174.00 Espa 6-3308 M TOD 1-606055.8060 Pay by phone 1-600-436-7058 Outside US . call coned 1-302-594-6200 VISA ACCOUNT SUMMARY Account Nun+bw: 4206 6411 7069 6361 Ptaviomn Balance $8.377.16 Total Credit Line ACCOUNT INOVIRIES Et 3,000 P.O. Box 15260 Payment. Credits -$250.00 Available Credit $4,273 Wdminoon, DE 19850-5298 Cash. Dedts wWg.45 Cast Access Line Ptrdurose $2.600 . 87 Available br Cash 726 $2.600 PAYMENT ADDRESS . New Balance . P.O Box 75153 WYhiminglon, DE 198ae6153 VISIT US AT: www cnM m.Wcards REM o1rC SlIUMARY To redeem your points, m1 the number on the Previous points balance 354 back of your card or lop on 10 Pointe gamed on purchasse 550 www chase.oorNVedilcards New total points balance 1,024 105 parne to expire on statement dale in April 2010 TRANSACTIONS FINANCE CHARGES Finance Cterge Daily Periodic Rafe Corresp Average Dally Due To Transsoon AcarmUsled FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $532.99 $0.00 Eo.00 $0.00 $0.00 Cash advances V.05751% 20.99Y. $0.00 $0.00 $000 $0.00 $0.00 Balance Hensler 00000% 0.00% $8,068.13 $0.00 $0.00 $0.00 $0.00 Total finance charges $000 Elsecaw Annual Pereerne9e Role (APR): 0.00% Rene we information About Your Account section for balance compulsion method, gram period. and other important inlom allw The Corresponding APR is the role of imeresl you pay when you carry a balance may ranssdim category The Efbclve APR represents your total linanos charges - including transaction tees such as cash advance and balance varsfar lase - expressed as a percentage IMPORTANT NEWS Guard against ideritiy then end menage Your credit rrnormation w 1 h Chase 10 Protection. Get unlimited ircmes to 34n-/ credit reports and scores. daily moneoring of your credit tiles. limey signs and more. To purchase, coil 1-000-217-0291 or visit www.chag0dpr0I&Cb n cOm 8468906 0000061 F%1=i607 000 Y 0 19 0sean9 P.O.1.1 05ges Wrb. OW'? 171, 000D0?Q(XKr .bra X oos+ws+axu 28 of 41 Trans Amount Dale Reiarenee Number Merchant Name or Transaction Oewiplbn Credit Debt Statefnerd for account number: 42M 8411 7009 6861 New Salons Payment Due Dote Poet Due Amount hMrirnum Payment 38.337.62 03108)06 $1.00 $166.00 Mahe year cMxa PeyeMis te: . Chase Card Seviess. Plaeaevsie amount arhrdofad. New address a -il? PMI on bad. 426684117061636100016600008337620000008 CHASE O f a O NANCY Y J BJURURSTROM 15 ROOSEVELT ST ENOtA PA 17025-2736 8468906 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18886.5153 N:5000 L60 281: 20311,7069636131" OpennyClosing Dale 06/20)06 - 07/10106 CUSTOMER SERVICE w 3 08 mum Payment DLie: CHASE 0 n 8 30 $ 66.00 Espanol ;? ?6-3 TDD 1-600.955-6060 Pay by phone 1.604436.7956 Outside U.S. call collect 1-302-591-6200 MA ACCOUNT SUMMARY Account Number: 4266 9411 7069 Ill Previous Bafenoe $8,726.61 Total Credit Line ACCOUNT INQUIRIES $13,ODO P.O Box 15298 PayrnsM. Credit -5160.00 Available Credit $4.662 Wdrninglon, DE 19850-5296 Purchases. Cash. Debits 8$61.01 Cash Access Line $2.600 2 Available br Cash 337 $2.600 PAYMENT ADDRESS . 1 New "once . P O Sox 15153 MNmirnglon, DE 19a96.5153 VISIT US AT: Will case mmkreditcarda REWARDS cr INUARY To redeem your points, caN the nurnber on the Previous points befance 1,024 beck of your card or log on to Points earned or purchases 62 www.chase.com/aeditcards Now total point balance 1,006 106 points to expire on slatemeni dale in April 2010 TRANSACTIONS Tram Amount Data Reference Number Merchant Name or Transaction Description Credo Debt 06/24 2 24427338177710DO4675357 HESS 35419-IEWIOYNE PA 0 07/04 11861862700005554121491 Payrnwll - Thank You 250.00 07111 1193193270DOOSS54125556 Paymant - Th ank You 200.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transscliw Acwmhxaled FINANCE Calegory 30 days in cycle APR Balance Periodic Rare Fee Fin Charge CMARGES Purchases 00000% 000% $526.02 $0. DO $0.00 $000 $0.00 Cash advances V .05751% 20.99% $0.00 $0.00 $0.00 $0.00 $0.00 Balance aerator 00000% 0.00% $8.060.13 $0.00 $0.00 $0.00 $0.00 $000 Total trance charges Elleave Annual Percentage Rata (APR): 0.00% Please a se, Inlorneaon About Your Account aecion to balance compulsion n*I hod. grace period, and other important nntornalon The Corresponding APR is the rate of interest you pay when you carry s balarce on any Tansamon category The E•lteetve APR represent your total iinanee chargaa - including transaction lass such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS _ Guard against identity Snell aid marwge your credit inlormalion with Chase ID Protection. Got unw iced access to 3-in-I credit report and sooras, daily montnori ng of your credit lies, limey elan and more To purchase, call 1-800-217.0291 or visit vww.c hasedprolsrnon corn Do you have 2,500 points? If so. then redeem trash today la a $25 check or $25 gift card at www.crase cornfrewards. Need help earring points faster? No probern. Sinply visn www chase mMrewardsplus today and learn how to awn up to 10 points on your purchases at bnind-rlarna mwchwnu_ 000000i Fav11o D f o 0oo v a t o o uo'. a Pie. I d t owes w •e. 1 sub 20oh 0000100001 away tax, 30 of 41 Statement for accotnn naunbeer: 4266 8411 7068 6361 New Balance Payment Due Dote Peet Due Amount Mirimum Payment CHASE O $0.963.65 09/06108 $000 $17900 lik year Chase Cad Semtan. Plssse aria wrmnt w domd. New .dares. or email Prim on bed. 426684117069636100017900008963650000006 -n ao1 s 81201 D I... III.I.A.11.1.1.11...1.1....11.1.1...11..1.1...11..11.. NANCY J BJURSTRO M 15 ROOSEVELT ST CARDMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 10886-5153 1...111...III.....1.Id.L..1.11...1..11..Uu..1116...111 1:5000 L6? 280: 2031,L706963613"' OpamWclmng Date. 0720/08-06/19/08 CUSTOMERSERVICE D U.S. 3 s ? 00 4 6 00 ue: O Mi" Payment CHA5E 3 4 3 Es ;-Ma- TDD 1-600-%5-8060 Pay by phone 1-000436-7958 Outside U.S. call collect 1-302-5948200 VISA ACCOUNT SUMMARY Account Number: 4266 6471 7089 6361 .-W INQUIRIES Previous Balance $8.337.62 Tote Credit Une $13,000 P.O. Box 15290 Payment, Credits -$250.00 AvalsEM Credit $4.036 WllmliVon, DE 19850-52M POM,mea. Cash, Debits +5676.03 Cash Access Una, $2,600 65 Available for Cash 963 $2.600 PAYMENT ADDRESS . New Balance 6, P.O. Box 15153 Wilminglon• DE 198 86-5 1 5 3 VISfT US AT: www m mMcreditcardn REW A RM c1IMMAOy To redeem your points, cell the number on the Previous points balance 1.006 back 01 your Card or log on to 877 w catae.corNaedhcarde Points earned on purchases New 10101 points batsnce 1.963 106 points to expire on alllwneni date in April 2010 TRANSACTIONS FINANCE CHARGES Finance Charge Daly Periodic Raid, CorresP. Avenge Dally Due To Transacson Accumulated FINANCE Category 31 days in cycle APR Sdanca Periodic Rate Fee An Charge CHARGES Purchases .000007E 0.00% $623.90 $0.00 $0.00 $0.00 $0.00 Cash advances V 05751% 20.80% $D.00 $0.00 $0.00 $0.00 $0.00 Balance trlvatw 00000% 000% $a 060.13 $000 $0.00 $0.00 $0.00 $000 Total finance charges Ellecllve Annual Perarwge Raba (APR): 0.00% Please see Iraormstion About Your Amount section for balance compulation maalod. gram period, and other important intormelon. The Corresponding APR is the rate of imereel you pay Witen you carry a balance on any transaction category The Ettecive APR represents your total finance charges - including lnnsecron tees such as cash advance and balance vereter tees - expressed as a percentage. 8468906 00011001 FtS=15D s Ono Y . 1. awes. pa)., wo. W W 05.7? 332.00000e00007.raeh X 0053wstas.a 32 Of 41 Amount Trans Date Reference Number Mardhem Name or Transaction Deeaipgn Crean Oadt Staternertt for aecouA number- 4266 6411 7069 Ill New Balance Payment Due Date Past Due Amourit lvlm sum Payment CHASE O $0,708.oa 1010"a $0.00 $174.00 Meks V- ckeh* psyspste: Chess Card lsrvlses. PM9e.whe 9mp19ht.1nc?19a9tl. N9w addr9as a email Plnt 9r, Geri 426684117069636100017400008706080000009 +..nlt®192ataso I...111.1..1..1.1..1..11...1.1....11.1.1...11..1.1...11..11.. NANCY J SJURSTROM 1S ROOSEVELT ST CAROMEMSER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 10886-5153 I...III...III.....GL1.1...1.11...I.M.JI..... II.I.I...All a:5000 160 281: 203 L L 7069 6 36 13ae Opanng1closing Date 0820A8-09y19M0 CUSTOMERSERVICE Payment Glue Date 10"06 In US 1-800-845-2000 ltnmum Payment Due: CHASE O $174.00 Espanol 7-BB6M6-3308 TDD 1-800-955-8060 Pay by phone 1-800-4.76.7958 Outside U S. call collect 1-30 2-59482 00 VISA ACCOUNT SUMMARY Account Number : 4288 6411 70M 6381 Previous Bsrca $8.963.65 Total Credit line ACCOUNTINQUIRIES $13,000 P.O Boa 15298 Payment. Credits -$300.00 Available Credit $4,293 W in inglon, DE 18650-5288 Purdhsess, Cas+, Detits 1$42.43 Cash ACCeM Line $2,600 New Billerica 0.706.08 Available tar Cash $2.600 PAYMENT ADDRESS P.O. Boa 15153 WImmgton, DE 198861153 VISIT US AT- . sin mrrJrreAt®rds REMARnc c.UUARY To redeem your poems, call the number on the Prwioua points balance 1.963 back of your card or log on to Points esmed on purchases 43 www.Oheae.comycreditcands N. told points balance 2,006 106 points to expire on statement dale in April 2010 TRANSACTIONS Trans - -- Amount Dote Relerence Number Merchant Name or Transaction Descrhphon Credit Debit 0 300 2390 09123902 808 09/31 24013390245004350094077 ENOLA HONG KONG BUFFET IN ENOLA PA 24 35 09" 12512502700005060535452 Paymsnl - Thank You 300 00 FINANCE CHARGES Finance Charge Deily Periodic Rae Corresp. Average Daily Due To Transactor, Accumulated FINANCE Category 31 days in cycle APR fWanco Periodic Rae Fee Fn Change CHARGES Purcasse 00000% 000% $794.82 $000 $0.00 S0 00 $0.00 Cash advances V 05751% 2099% $0.00 $0.00 60.00 $0.00 $0.00 8aiance trader .00000% 000% $8,060.13 50.00 $000 $000 $0.00 Total Inane charges $000 ENecllve Amual iMeeri`ge Nate (APR): 0.007E passe we information Abou Your Account section for balance cornp+lston meMod. Race prod. and other important inlomnetun The Coirsapondirg APR is the rate of "area you pay titan you carry s bstsnce on arty teneacton caegory. The Effect ve APR represents your tole) lnence charges - including transaction fees such as cash advance and balance vrsier fees - expressed as s percentage. IMPORTANT NEWS Guess agana idemily the" and mange your credit information vrilh Chu" mrtib PM1 0011. Gel access to 34n-1 Credit reports and scares. dally monitoring Of your credit ties, timely slam and more To purchase, cae 1-em217.0291 orvisitwvrw-droe0dpmw0iw Cont. NEW" Now. when you choose cash bacK you can receive a US "Ismem credit for 2.500 pow".. a,'" a epplisd 000- maec$9y 10 the accoure and appeara on your billing 9191 - ment in 1-2 billing cycles. Also, cam up to 15%cash hack 8468906 thru Sep 2009 on Wft-*d ilemavrw.v.c hose cnmhewerdsplus 0000M Faattae0a 000 Y 9 19 oeGVl9 Pq•101 0eele bidets 1.172 2en0000owM417291 X oses ws+atn 34 of 41 Statetmenl for account malnber: 4208 8411 700? 5351 New Balance Payment Due Dots Past Due Amount Minimum Payment $6.740.94 11/09106 $0.00 5203.00 '"be year ehsck aeyekle to: Chase Core 9ervisea. ?P Plwse was errant -10.111. New eddread or -V Print rn beds 426684117069636100020300008748840000006 00 SEX02OMD NANCY J SJURSTROM 15 ROOSEVELT ST ENOLA PA 1 702 5-2736 CHASE O 1...111.1..1..1.I..I..11...1.1.... 11.1.1...11 1.I...I1..14.1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 108116-5153 .... I i 1...111...111.....1.1.1.1... I I I 1:5000 660 28s: 20 3 6 L 7069636 6310 8468906 OpannglC.mg Dole 0420108 -10/10MB CUSTOMER SERVICE 1-800 045 2000 In CHASE O Minimum Payn wl Due: sF. $203.00 EapNb l 1.86846-3308 TOO 1-600-955-6050 Pay by phone I4 00-436.7959 Outside U.S. cell CO9BCI 1-302-5948200 VISA ACCOUNT SUMMARY Account Number : 4265 0411 7oM 8361 Previous Bolan $5.706.05 Toisl Cradi Line ACCOUNT INQUIRIES $13,000 P O. Box 15298 Payment. Credits •$3oo.oa Available Credit $4.251 VAlminglon, DE 19550.52M Ptrctases, Cast, DOW$ 4265.99 Cash Access Line $2,600 Finance Charges +$75.77 Available for Cash $2.600 PAYMENT ADDRESS New Balance 5,740.54 PO . Box 15153 VAInMnglon, DE 19886-5153 VISIT US AT: hyrrW class com/credd-rds Your field AullPaymenl for $203.00 Will be deducted from your account and credited on Vow due date. It your statement balance exceeds your credo Gne or your accoum is pool due, you should flake a paymern that includes the amount referenced plus via tots overtime amount and arty pass due amount prior to the due dose. Please do not rely on your AaoPsymert service to address an werlmWpeal due situation The new APR and promolon191 role expiration reflected on live statement is a result of a low our payment on you account . For your cornenience, you can always pay onkne by acceosirig webeea ispleyed on this sialemem. RFW AOnc cr IMMARY To redeem your points call the number on the Previous pants balance 2.006 back of your card or log on to Points earned for finance charges 77 www.chne.coMOedecards Points earned on purchases 227 New total pants balance 2,310 106 poime to expire on slmemeni date in April 2010 TRANSACTIONS FINANCE CHARGES Finance Charge Deily Periodic Rate Corresp Average Deily Duo To Trsreaclon Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fir Charge CNARGES Pwdaaas V 02074% 10491/6 Sall 11 $6.99 $000 $0 oo $699 Cast advances V 05614% 20.49% $0.00 $0,00 Woo $0.00 $0.00 Beleno tBlala V 02574% 1040% Sa.093.70 1169.78 s0 00 $000 $69.70 Tots 4naxe charges $7677 EBectivoi Arahual Percentage Role (APR): 10.49% Reese see information About Your Accolnt section for balance compulsion method, grace period, end aher imporlam information The Corresponding APR Is the rate of interes you pay when you carry a balance on any franseaion cologwy The Etlective APR represents Vow 10181 finance charges - including transaction toes such as cash advance and balance transfer lase - expressed as a pacomage. 0000011 F1833 de DS Drift, Y e le Oman. Pag.1 dt eased caves oa!" 011310000050000OW01 X onvwslx.xswsla.m 36 of 41 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit St8lefne"t for account number: 4206 6411 7009 6361 New Balance Payment Due Dole Past Due Amount Minimum Payment CHASE O $8,619.65 12/09,0a $000 $172-M . woe veer el era Piiii m. to: Chase Card Savless. Ptaeae Mb amount enclosed. Now address or enters Print on beck 426684117069636100017200008619650000005 oust secs 394000 NANCY J SJURSTROM 15 ROOSEVELT ST CAROMEMSER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 19885-5153 1-111... III..... I,IJ.I„ JJL..IAI..lIII e:500011,60281: 203 i 17069636 i 3aa D Dale: C u CUSTOMER SERVICE 10120/08 - I VISM t CHASE O 08 In U S 1-800-445-2000 m Payment Due. Wnmu $172.00 Es Perbl 1-880-44r,3300 TDD 1-800-955-9050 Pay by Phone 1-900-436-7958 Outside U.S. Call CoHecd 1-302394-8200 VISA ACCOUNT SUMMARY ACeotnt Number : 4M 8411 7069 5361 ACCOUNT INQUIRIES Previous Balance Sa.748.84 Total Credit 4M $13.000 P.O Box 15298 Payment, Credits 5203.00 AvslWe Credit $4.380 Wilmington, DE 19850-5298 Finance Charges 473.81 Cash Access line $2,600 New Balance 8.619.65 Aveiloble for Cash $2.600 PAYMENT ADDRESS P.O Box 15153 Wdminglon, DE 1911565 153 VISIT US AT: www dtese.mMaacitcards Your next AlaoPWmeni toe $172.00 will be deducted from your accent and credited on your due date. H your staanam balance exceeds your credit lent a your account is past due, you should make a payment Mat vicludes the amount referenced pus the tall overtime amount and any pool due amourt prior to the due date. Please do not rely on your Aulopsyrtent service to address an ovetlrrWpow due situation. REWARDS SUMMARY To redeem your point& cos the number on se Previous pants balance 2,310 beck of your Card or log on to Ponta earned fir 1xhanCa dhartlaa 7q wow chwacokNcredtcards Pouts earned on purchases 0 New total points balance 2.304 106 points to wore on statement date in April 2010 TRANSACTIONS Trans Amount Dale Relerence Number Merchant Name or Transaction Description Credit Debt 11/07 AUTOMATIC A THANK YOU $20300 FINANCE CHARGES Finance Charge Daily Perodc Rate Caraill Avwrege Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rae Fee Fin Charge CHARGES Purchases, V 02737% 999% 5565.51 $4.60 Saw $000 $400 Cain edvarh®s V 06477% 19.99% $0.00 $001:1 Saco $O oo $0 0o Balance v inslor V .02737% 990% $8.134.04 566.01 Woo Woo $69.01 Total finance charges $73.81 Effective Annual Itscenlago Rata (APR): 9.99% Pleeaa See Information About Your Account semn for balance compulsion method, grace period, and other important lydomhation . The Corresponding APR is the roe of interest you pay when you carry a bolo ce on any Yaneaction category The Elfacsva APR represents your total finance charges - including wonsoction tees such as cash advance and balance venster lees - expressed as a percentage IMPORTANT NEWS EARN UP TO 107E CASH BACK born select leading raatere lhru IM1,08. Go to: www.eheee.comi RavrardsPlua SPECIAL REDEMP- TION OFFERS!!: $10 Starbudis Card. S10 Rego Cinemas GII Card. $10 Banta Body Works Gift Caro, or S10 Shag Gift Card - each at 1.500 points. MN 12411/00 chase cornfreiinsda 8468906 mOmon F11D39a0a 0110 Y 9 19 0enln9 P®ah dl OWN '"'M Oaten 5N100000e0W0an Oh x oos912,9amana m 38 of 41 Statenwe ter acco rte number- 4206 e41t 70ee east Now Balance Payment Due Dal* Past Due Amount Minimum Payment $6.875.79 ollowe $000 $17700 . =year Cad Mat.: Plisse etie arno rte andosed. New addMS or ?rmi? Prim on b-k 426684117069636100017700008875790000001 ream BEX 935.060 NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 1...111...111.....Lld.l...LIL..L.11..11..... 11.1.I...dl1 CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886.5153 4: 5000 LSO 28m: 20 3 L L 70G9 G 3 6 13** OpannyClosing Date. 1120/08 - 12/1 WN CUSTOMER SERVICE CHASE O Paymen Due Dab: OIMVM In U.S 1-600-946-2000 Mirtimum Payment Due: $177.00 Espanol I-MB-446-3308 TDD 1-800.956-9060 Pay by Phone 1-000.436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 64117068 6361 Previous Balance 56,619.65 Total Credit Line $13,000 ACCOUNT INQUIRIES P O. Boa 15296 Payttwnl. Credits 4172.00 Available Credit . $4,124 Wilmington. DE 198503298 Purchases, Cash, Debits .S362.10 Cade Access Line 52.600 Finance Charges +$66.04 Available for Cash 52.600 PAYMENT ADDRESS New Balance .675.79 P.O 8" 15153 Wilminglon. DE 19886.5153 VISIT US AT Your new AuloPsymem for $177.00 will be deducted from your account and credited on you due data. It you statement balance moseds you credit funs or you account is past due. you should mole a payment that includes to amount referenced plus the total overlms amount and any past due amount prior to to due date. Please do not rely on you AuloPsyment service to address an overlimn/peat due al ation. REWARDS SUYNU\RY To redsern you points- call the number on the Previous points balance 2.384 back of you cad or log on To Points earned for finance charges 67 vnrw. chase.carrycedscards Points earned on purchases 363 New 10101 points balance 2.814 106 points to expire on stalemenl date in Amt 2010 TRANSACTIONS Trans Amount Del. Retarence Number Merchant Name or Transaction Desaipl on Creos Debit FINANCE CHARGES Finance Charge Daily Periodic Role Corresp. Average Daily Due To Traraaclon Accumulated FINANCE Category 30 days in cycle APR Balance Penodis Rate Fee Fin Charge CHARGES Purchasers V .025321/. 9.24% 5560.64 $4.26 $0.00 50.00 54.26 Cade adnrhcea V .0527114 19.24% $0.00 $0.00 $000 $000 50.00 Balance Trivial. V .02532% 9.24% $8,133 77 $61.78 5o o0 1000 $61.78 Total liance charges $66.04 ElrsctWa Annual Peroentage R.I. (APR): 924% Plesse sae Information About Your Account section to balance compulsion method, grace period. and olher imponard intamason The Correspond" APR is the rate of intereat you pay when you carry a balance m am TwmL1,on category The Effective APR represents you total finance charges -including transaction tees such as cash advance and balance nanster tees - expressed as a pacertugs IMPORTANT NEWS EARN UP TO 10%CASH BACK rm Selected landing retailers thru 12/31/09. Go to: www.chsw corTvR. wdsRus. SPECIAL FiEDEMP- TION OFFERS4: $10 Starbud.s Card, $10 Regal Cinemas Gin 8468906 Ca d. $10 88"BDdy Works On Card, 01 $10 Shea (3011 Card -wdh St 1,500 points, thru 12/31108 ww+r.chase-COMIrewards 0000001 F6a06 O e ODD Y a 19 01012119 PVTr 1 &1 054011 0M e e 19313 35.100WOa000h 6=01 X D0a1 40 of 41 Statement for aoeouA numbor 4206 8411 70M 6361 New Balance Payment Due Date Past Due Arrlount filawneum Payment $8,768.19 02"Jog $000 $175.00 Malm is your e wloaea: Ph Ch-C-d Setrloee. PMSewres e sewndos90. Nw 6ddnse a "ta ors amtsV Pant on bedr. 426684117069636100017500008768190000008 OOM ape 6 01900 D NANCY J BJLMTROM 15 ROOSEVELT ST ENOLA PA 1 702 5-2 736 CHASE O CARDMEMBER SERVICE PO BOX 15163 WILWNOTON DE 19686-5153 1-111..rim....a.iaannaai.rrinai.ru.... aiari.... m 8468906 ti:50001.60 2n81: 203 i L70696361381 Opening"O"'119 Date 12wma-o771D/m CUSTOMERSERVICE HASE 0 Payinwil Due Date. 02A061Oa In U.S. 14MO-945.2000 Minimum Payment Due: C $175.00 EspaMl 1-888416-330a TOD 1.8MOSS-8060 Pay by phone 1-800-436.795a Outside U.S. Call Collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4286 8411 70W 6361 ACCOUNT INQUIRIES Previous Balance $8,875.79 Total Credt Lim $13,000 ti Boa 15296 P Payment. Credits 4177.00 Avalebe Credit $4.231 VAkttirglon. DE 19050-52913 Finance Chergee +$69.40 Cash Ades Um $2,600 New Balance 8.768.19 Available for Cash $2.600 PAYMENT ADDRESS P.O Box 15153 Warrington. DE 19886-5153 Your next AuoPayment for $17500 wig be deducled from your acooun and a9dted on your due dale. If your swi errwit talainae exceeds your credit limit or your 9cc0urd is past due, you should make a payrnant that wickidea the amount referenced pus the total ov9dintit amok" end any pest due amount prior to the due dale. Please do not rely on you Auto Payment service to eddres an ovatink1pa d de Situation IT US AT: RFWARIIR sumuARY _ To redeem your points, ®a the number on the Previous points balance 2,814 beck of your dad or log on to Points earned for finance charges 70 www.chase.mrWoredricards Points earned on purcheaas 0 Now total points balance 2.884 106 points 10 expre on statement date in Apnl 2010 TRANSACTIONS Trans Amount Date Relararv:e Number Merchant Name or Transaction Description Credit Debt 01/08 A OMA PAYMENT - HANK YOU $17700 FINANCE CHARGES Finance Charge Deily Periodic Rate Conesp. Average Doty Due To Transecion Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rote Fee Fin Charge CHARGES Purchases V .02532% 924% 5712.08 $559 $000 $000 $6 Sal Cash advances V,05271% 19.219E $000 $000 $000 $000 $0.00 Balance transfer V,02532% 9249E 10.128 90 $6301 11000 $b 00 $63.81 Total finance charges $69.40 Etlective Annual PercerlMye Raft (APR): 924% Please we !rdonimilion About Your Account section for balance oompUletion ne8nod, gram period, and other impotent inlonnaton The Corresponding APR is tot ratio of rntarea you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - Including transaction lees such es cash advance std balance banter lees -expressed as a percentage. IMPORTANT NEVIS Shen the new year tit tight. Go green, and remove are papa tltma from your tae! Sign up for paparess ststarrerds a www.ches.cornkredtmrds AND hers your monthly bile charged to you Chas cad. Not only are you saving the earth, you wet get points for an your billet 0000an Fe33335,0e We Y 9 re 0.0189 P1e01 d1 05680 W W 060e2 01POOWOe0W60e70n zam 4of41 Paymem Due Dale New Balance Pan Due Amount Minimum Pmr~l 03711/09 $8,741.05 $D 00 :174.00 Account nuwbw: 4266 0411 70M 6361 W Mslr year claf# Payable t.: Cb- Card Swale- e res amount nt lrnmWiO doe N mr address o w"11 Print nt 0n hadr. 426684117069636100017400008741050000003 Deem seat 0 05000 o NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 1 702 5-2 736 L..IILl.illrrr..61.IJ.ntd1...InIlnl6null.l.l.ur111 I...inf.Irr1..I.l..I..II...1.1....II.I.I.„11..1.1...11..11..1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 i6028fi: 203 1 i 70696 36 1 3u' Stalamwtl Dale CHASE O 01720009-02119109 1g rrt.nep yeurseeoufa ??ane: Mlrfimurn Paymem: $174.00 Peymani Due Dale: 03r1 1A9 AONtlend nlwas@ iMamstlen mnv--Wy located on revers side ACCOUNT SUMMARY VISAAcccurd Nurnber:.4266647770696367 Previous Balance $8.766.1 a Total CreW Una $13.000 Payment, Credits -$175.00 Avalable Creda $4.256 Purchases. Cash. Debits +$76.66 Cash Access Line $2.600 Finance Charges +$62.00 Available for Cash $2.600 New Balance ,741.05 Your neat Aulo Payment for $174.00 will be deducted from your account and credited eri your due dale If your statement belance exceeds your credit Iinlit or your account is past due, you should make a payment that includes tha amour" referenced plus he 10181 ovar5ml acre." and any past due amount prior io the due dale. Please do not rely on your AutoPayment service loaddress an overkrlat/past due situation. I REWARDS SUMMARY I Previous points balance 2,884 To redeem your pond, call the number on the Paints earned for finance charges 69 bark of your card or log on to Points earned on prctasse 79 www.d im corNcreditcards Promotional points earned 496 New total points balance 3,528 106 points to expire on smlanreni data in April 2010 ACCOUN ACTIVITY Dale of jrarmacbn Merchant Name or Transaction Descriction_ I AmQml 02108 AUTOMATIC PAYMENT-THANK YOU -175.00 01/29 HOLMES BICYCLE SHOP CAMP HILL PA 78.86 FINANCE CHARGES Finance Charge Traneaction Daly Periodic Rate Correep Average Daily Due To Fee! AccLmuleled FINANCE Category 31 days, in cycle APR Balance Periodic Role SerWce Charge Fin Charge CHARGES Purchases V 02532% 924% $659.71 - $5.19 $000 $0.00 $5.18 Cash advances V 05271% 19.24% $0.00 $0.00 $000 $0.00 $0.00 Balance transfer V 02532% 9.24% $8.130.15 $63.82 $000 $000 $6382 Total Inance charges S6900 EMec1Ne Anrwal Percwn"e Rule (APR): 9.74% Please sea IMOnmabon About Your AoeWM WCtion for balance comqutevon method. grace period, and olher inhponan l odor nllion. The Correeponding APR is the rele of nleheal you pay when you carry a balance, on any Ireraacyon category. The Effective APR rapresent l your mtal finance charges - nduding Irmseclon fees such as cash advance and balMKe tender lees - eapreased ea a percentage. IMPORTANT NEWS We we bringing you deer and ample! Talcs a look al the new lonnal of your salterranl -era hope you find it easier to read. It etil has everything you need on the from and back wish irnormaton sniply displayed. Do you shop w**7 Have you tried Chase's orefne mall? Logon to vrww.chase.cwNrswerdsplus. There era aWmo grow deals including UPI* 10 Perms for every dollar you spend or tree shipping. Ifs eery, mnvervem and a great way to earn more point with your Free Cash card. 8468906 mcae0l FfS333M 0 5 000 v 0 19 OaOyrn a Pip l e t 050ea W au. OSeaa aaef UeaaAAWa]aaal" X 0066 wa137M 6of41 Paymenni Ow Dale New Balance Paw Due Amount Wnlmum Payment 1 W/OB/M 1 Sa.628.84 $0.00 =17200 All cc--owN Jnumbw: 4266 $4117101119 6361 shack ?? ? ar ? ~„te a: i????JJ ose, cur eavlovo. Pteoae,cab ri0rslt on t rle,w oddrssf or amsi+ ft Prim on taox. x96 42668'4117069636100017200008628840000004 00025 efit a Graced NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 I...III,1•.i..l, l.• L.I 1...1.1....1 l.l.i •..11..1.1...11..11.,1 Ir..III...till...rrl•LLIr..i.ll...IJI..16.»•N 1L..•III 1:5000 Lr60 281: 203 L L7069636 L3ae Statement Data: CHASE O 02120/00-03119A9 Mmlmunn Payraent: $172.W Payment Due Dab: 0408109 ACCOUNT SUMMARY VISA Account Number: 4266691170086361 Previous Balance $8,741.05 Total Credit Une 513,000 Payment, Credde 4174.00 Available Credit $4.371 Finance Charges -$61.79 Cash Access Line $2.600 New Balance $8.620.04 Available for Cash $2.600 CARDMEM13ER SERVICE PO BOX 15153 WILWNGTON DE 19686-5153 H aYneOS your e,aa+m odlne: ?>h A"21-W rnrrbd teorrrrtl.n aomaniwMy 1oce.6 on --ado Your nan Auto Psymera for $172.00 will be dedulclad from yet RC rd and oedeed on your due dale It your 9lalement balance exceeds your credit limit or your ecoaxd is peat due, you should make a payment Thal includes the amount referenced plus he total ovw6mt amount and any paw due amount poor to the due date. Pleme do not rely on your AuloPsymeni service to address an Ovrinis*!mt due situation. (REWARDS SUMMARY 1 Previous poems balance - 3,528 To redeem your points, call he number on the Points earned tar inane charges 62 bad of your card or log on to Pants earned on purchases 0 www chose.cornlcredllcards Promotional points earned 158 New total points belsnce 3,748 106 points to expire on statement dale in April 2010 ACCOUNT ACTIWY Dale of Transaction Merchant Name or Trenmcfion Omootion mglpi 03111 AUTOMATIC PAYME NT-THANK YOU -174.00 FINANCE CHARGES Finance Charge Transaction Daiy Peoodc Rale Conmp. Average Daily Due To Fee/ Ac urinated FINANCE Category 28 days in cyde APR Balance Periodic Rate Service Chrgs Fn Charge CHARGES Purdtafes V 02532% 9.24% $583.76 $4.14 $0.00 $0.00 $4'14 Cash advances V .052711/6 19.24% $0.00 $0.00 $0.00 $0.00 $o eb Balance sander V .02532% 9.24% $8,131,26 $57.65 $0.00 $0.00 $6765 Total finance charges $61 79 EHecBve Annual Percentage Rata (APR): 9.24% Please sea Intormalion About Your Account section to balance compalalim method, gram peiod, and other lrnponm l Information The Correspondng APR is the rest of interest you pay when you carry a Wands on any transection category Th. EtleaWa APR represents your alai finance, charges - including lansaction tees such as cash advance and balerwe transfer ism - expressed as a percentage. IMPORTANT NEWS Check out he nevi $10 gin cards available when you logon to vvww.chsao.comhewards Rewards inck.rle your tevorn" ld,e Welman. Starbuda. and even Target. Redeem tem alanng at only 1500 points Arid remwnber it you shop online, shop through www.chase wrnlrewerdsous 6 gel up to lOx the points Pay your less the amy way today and spread your payments out over time. Go to www.desspWYOW=m conv-M to pay your lanes "Ift your Chem credl card. 8468906 0000001 F41=08010 000 Y 9 to Anne Pq.1 at 05686 MAW 02MS 0711 Goth 0000019x01 z 0051 NS13M 8of41 Payment Due Date New Balance Past Due Amount 16ntnuan Payment 1 06/OIAOA 1 58,524.71 b0.00 :)70.00 ALccowtt-iManberJ :4]66 Mtt 7001 E361 . Mom your ehadd pyatNto: Chose Card leWea. Pkasawse amount andosed. Naw address or .mail? Print al bads. 426684117069636100017000008524310000009 =13iExalowo NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2735 i...111.1.111...,.1.1.1.1...1.11...1..11..11.....11.1.1....111 1:5000 L60 281: 203 i 1 7D696361,306 8468906 Slalernenl Oats: CHASE O 03,20ro9-04110109 Wrtrnum Paymerrl: $170.110 Payment Due Data: 06MI11" ACCOUNT SUMMARY VISA AccoumNumber: 4796941170{9636/ Proviota Balance $8.628.84 Total Credit Line $13,000 Payr nrtl, Credits 5772.00 Available Credit $4.475 Finance Charges .$67.47 Cash Access Line $2.600 New Balance 22 Avaiablelor Cash 52,6410 CARDMEMSER SERVICE PO Box 15153 WILMIN(3TON DE 19886.5153 B MaMbo yar arxount q,aM: A4Neawr oost.a tlrorae8e. mnvoromtly locrad w rovers loo Your next AuloPayment for $170.00 will be deductedfrom your amours and credited on your due date If your stelemalt balance exceeds your credit larin or your accounl is past due, you should make a paymerhl ttnt includes the amours referenced Plus the total overlnit amount and any pest We amount prior 10 the due dale. Please do not rely on your AuloPayrnent service 10 address an overimiupost due siLation. REWARDS SUMMARY Previous Pointe balance 3,748 CongraulawirW You have earned enough Palms earned for Nuance charges 68 point to redsan for a $25 gall tareimle or Points earned on purchases 0 even a slalenwtt credit. Log onto New total points balance 3,816 wwoclass.cmmtewards to a" your reward options! 106 points 10 expire on statement dale in April 2010 Your Free Cash credit card earns 1 point to every eligible $1 you spend on purohoses Earn add1lanal pars. - s much s 10 pants par $1 shopping online through www.chese.con*awardsplus. Add authorized users, and sign UP to heve your monV*y talks charged to your card. Why no get pointslor ak those purchases/oo? Redeem your points anytime, or just cheCk out new otters at www_chase. comrrewards. ACCOUNT ACTIVFFY Date of jrensacion Merchant Name or Transaction Desvotion €Arn4UD7 04/08 AUTOMATIC PAYMENT -THANK YOU -172 00 FINANCE CHARGES Fnance Charge Transaction Daily Periodic Rate Cerresp Average Daily Due To Feel Acaumulawd FINANCE Category 31 days in cyde APR Balance Periodic Rob Service Charge Fin Charge CHARGES Purchases V 02532% 9.24% 5460 68 $3.68 1000 $000 $3.60 Cash advances V 052719/6 1924% $0.00 $0.00 1000 $000 $0.00 8alancs Yeneler V 02532% 9.24% $8,126.35 $63.79 $000 $000 $63.79 Total Blanca charges S6747 Ettective Annual Pwcen/age Rata (APR): 9.20% Please see Intormation About Your Amount section for balance cangdstion method. grace period, and other imponant inlomlation. The Corresponding APR is the rats of interest you pay when you carry a balaroe on any transaction category The Etbciva APR represents your total :none charges - including transaction tees such ea cash advance and balances irworler tees - eucpressed as • pwowhtage. IMPORTANT NEWS Easy ways to son more Cash Hack Rewards 1. Pay your monthly 11is wilt your chase Card. 2. Shop .mine through www.chse.certNewardsous 3. Ado an authorized user to your Aecoum. 4. Use your card is everyday herds like gas and groceries. Save 10% at La Ouinw Iron 6 Su ils where your travel dollars go even lunher with FREE Bright Side Breektsst. FREE High-Speed Internal and Condy bads. Book now through 9.70709 M www. LO.con?Chsee/o or caul 1400SLEE P-LO (753-3757) and ask for prom `Choae10'. oonaaer FO33moe oso Y a to eap.rla Ppl d/ 05"6 0690611.0013 1 M o sooogooWA 13M x sosuws+aeos 1...111.1..1..111..1..11...1.1....1 l.I.i... U. J.1...111.11..1 10 of 41 Payment Ore Dins New Balance Past Due Amount MWkaua Payment $6.418.76 $0 00 $16600 AccourA nttmber- 4288 8411 7069 6361 WYe y«r dladt Payable W Chase Card 3-lees. P4esswrite arrant , t. twlw aafre]] cr PIMA? Pan Pdnt on Wfit. 426684117069636100016800008418780000009 0=791l. a1] o I...III.I..1..1.1..i..ill...I.1.... 11.1.1...16.I.I...II..II..I NANCY J BJURSTROM 15 ROOSEVELT ST CARDMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 19866-5153 ii: 5000 160 281: 2031L706963611,30 Statement : CHASE O 04RO/09 - 051191 05!19x09 g W rrege year eeceurd onlt.e: wrtmum Payment: $168.00 Payment Due Dale: 06006109 Aeelaenrd mnbQ Y.rorrrewarh corhvaraanty located on rave fe ide ACCOUNT SUMMARY VISA Account Nurnber: 42668/11 70696361 Previous Balance $8,524.31 Total Credo Line $13,000 Payment, Credits 4170,80 Aveiable Credil $4,581 Finance Charges .$64.47 Cash Access Line 52.600 New Balm- $8.41878 AVolable for Cash $2,600 Your nevi Auto Payment for $168.00 will be deducted from your account and credited on your due dale It your statement balance exceeds your credit limit or your account is past due, you should make a paymem that includes the amount referenced pus rie total 0"ram it amount and any past due amount prior to "due dine. Please do not rely on your AutoPeymeni service b address an averlmiVpasl due situation. REWARDS SUMMARY Premous pains balance 3,816 Congratulations! You have awned enough - Pants awned for tnar ce charges 65 points to redeem for a $25 girt ranticate or Pants earned on purchases 0 even a statement credit. Log crib New totel points balance 3,581 www.c ase.comirewards w sae your reward options, 106 pane to expire on atalemenl date in April 2010 Your Free Cash credit card same 1 point for every eligible $1 you spend on purchases Earn additional points - as mach m 10 pants per $1 shopping online trough www.chaee.comrrawanlspius Add eNhorited ~a. and sign up to have your monthly bills charged loyour card. Why not gel points tar all lhow purchases loo? Redeem your points anytime, or just check out new otters at -.chase .corNrawards ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Oeagrobon ; Amount 05/08 AUTO MAT IC PAYMENT-THANK YOU -170.00 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rate Corresp Average Daily Due To Feel Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fn Charge CHARGES Purchases V .02532% 9.24% $35932 $2.73 $0.00 $0.00 $2.73 Cash advances V 05271%. 19.24% $000 $O. DO $000 $000 $0.00 Balance transfer V 02532% 924Y. $8.12631 $61.74 $0.00 $0.00 $6174 Total finance charges $6447 E"wilve Annual Percentage Rate (APR): 8.24% Please see Imormalbn About Your Account section for balance computation method, grew period, and other important imormation The Corresponding APR is the rate of intereel you pay when you terry a belenw on any 1reManon category. The Eftedive APR represents your total Irene charges - including transaction tees sudh as cash adverlw and balance lsnaler tees - expressed as a percentage. IMPORTANT NEWS Looking to gel away this summer? Log onto www.chow cart Aewardsplus and book trough ores of our many mardhanis including Travelodty or Hotss.conn and gm beius rawards Than. convert your rewards to cash back for your sip! Limited time offer on British Airways... Save $100 *rA Book a rour/d-tnp tkgnt on British Airways worldwide n World Traveller Pius or World Traveler between Mar 23- Aug 31. 2009. Watt ba comrchese100 to book yourttighl . 8468906 Offer ends June 30.2009 - Terme 8 conditons apply. ooooM Ftssa]as 012 Wo v 9 19 ammo Pma/a1 asses -u ,X!0ir ,onosool xaaaazvera z costal s,de7a 12 of 41 payment Dua Dell New Balance Pmt Dua Amount Wnhman Payment E07/06109 $8,316.61 $0.00 5166.00 Acewrtt rNilltbar: 4268 6411 7069 6361 NE year toad payable I.; Chew Cad 5wvbea. Pleats writs, amount viick,"d. Nw addo.. or a•mail Print an bed 4266841170696361000166D0008316610000002 055509Ex. 1x1000 Ir..lllrl1r111rl.ri..11..+I.Ir..ri1.1.I.r.11.rlri.r.ll.r11r.1 NANCY J 8JURSTROM 15 ROOSEVELT ST CAROMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 19886-5153 L..Ill...IILr..r1.L1.Irr.LI1.r,1.rlL.lirr...ll.lrl.rnlll is 5000 160 281: 2031170696361,30 Statement Date: /? CHASE O 0520109-06/19109 aYwaeyoveaeuntarama: Minimum Payment: $160.00 SK2L Payment Dw Dell: 071MA9 AOeltlanal earrde Manrrtlon CD1" °" wW located on reverse*it. ACCOUNT SUMMARY VISA Account Number: 4286 $411 7069 8361 Previous Balance $8,416.79 Total Credit line $13,000 Paymem,Credrs 4168.00 Avalabe Credit $4,663 Finance Charges -$65.83 Cash Access Line $2.600 New Balance a, ,6 AVRVRUe for Cash $2.600 Your net Auto Payment for $166.00 will be deducted imm your account and credited on your due dale "your alatemenl bananas excwds your credit omit or your account is past due, you should make a payment that includes to amount retarencsd pus the total overhrit amount and any past due amount prior 10 the due dale. Please do not rely on your AutoPsymem service to address an overinrtpwt due situation. REWARDS SUMMARY Previous points balance 3,691 Congratulations! You have earned enough Pointe earned for Lance charges 66 points to redeem for a $25 gill certificate or Points earned on purchases 0 even a statement credit. Log onto New teal points balsas 3.947 www.dase.comkewards to sat your reward optional 106 pours to expire on salenrenl d ale in April 2010 Your Free Coon credi Lard ears i point tar wwy abgpbe $1 you spwd on purchases. Earn addlionai points - m much as 10 poins par $1 shopping onNha tyough www.ohme.coMrewardaphis- Add aulhonzed users, and sign up to have your montNy bills charged b your card Why not gel points for all those purchases too? Redeem Vow points anytime, or just dads oul new otfws et www.dase cornfrewsrds. ACCOUNT ACTIMY Date o1 Transaction Merchant Name or Transaction Description I Amount 06108 AUTOMATIC PAYMENT-THANK YOU -15800 FINANCE CHARGES Finance Charge Transaction Daily Pmodc Rate Cwrasp Average Daly Due To Fee / Accumuialed FINANCE Category 31 days in cycle APR Balance Periodic Rea Service Charge Fin Charge CHARGES PwChmas V.02532% 9,24% $256.95 $2.02 $0.00 $0.00 $2.02 Cea h ad"-% V 05271% 19 24 % $O. DO $0 00 $0.00 $0.00 $0.00 Balance senator V.02532Y. 924% $8,128.87 $6391 $0.00 $0.00 $63.91 Total knenca charges $65 83 EtlecBVa Annual Percentage Rate (APR): 9.24% Please sat Inlormatbn About Your Account section tar balance computation method, grace panod, and other important intornalton . The Corresponding APR a the rata of interest you pay when you carry a balance on any tranawlion category The Etteafve APR represents your Iolal Branca charges - including transaction teas such as cash advance and balance twitter tam - expressed as a percentage. IMPORTANT NEWS Got unlimited local 8long distance calling with Vonage for the low price of $24.9eAMwsh. 25 gram imtures 0 no extra coal. High speed vilemst required. Sat Vorsago.contr9l t. For delete cat Vonage at 696.569-3606. Iderrtty yoursatl as a Chase Cardrnember (this is NOT a Chess customer service t). Urrited lime, otler on British Airways...Save $100 Wt. Book a round-Imp 1Fghl an British Airways worldwide in World Trawler Plus or World Traveller between Mar 23- Aug 31, 2009 Visil be.corn/chawtoo to book your night. 8468906 Otlarands June 30. 2009. ' Tarms a condtiwa apply. 000000+ InS3333a012 too v 9 is el0V1e P.De1 ail crease W W O'.eso 17eooaw20a0055" 1< ontws+asar ws+asn 14 of 41 Paymem Due Date New Balance Past Due Amount Minimum Payment 09/13/06 56,213.55 50.00 51s4.oo AeeowM tttalltber: 6263 6617 703Y 3367 . Mails yew clwdr payable to: Chun Card 9ervleee. Plwse rwito snows wldosad. New address or ?mee4 Perot orh bads. 426684117069636100016400008213550000005 rnsa 6171 a 2000a D 1...III.i..1..I.I..1..II...I.I....II.1.1...11.3.1.1.11..11..1 NANCY J BJURSTROM 15 ROOSEVELT ST CARDMEMBER SERVICE ENOLA PA 1 7025-2 736 PO Box 15163 WILMINGTON DE 19866-5153 L..IIL..111.....1.1.L1...611...L.IL.I L....ILLL..JiI 1:50001,60 281: 20311 7069 6 36 1, 31' Slatemenl Dele: CHASE 0 062 009-0 7119/09 g ynege your account mama: Minimum Psymem: 5164.00 aesaa.c6w.m oval Payment Due Date: 06r1 3A9 A"U.n.i contact Inf m.011 r ACCOUNT SUMMARY VISA AccaunNunrbsr: 4286 8411 conwnondylocalodmrswrseside Previous Balance $6,316.61 Tolal Credit Line 313,000 Payment, Credits 4166.00 Available Credit $4,786 Finance Charges .$62.94 Cash Access Line 52.600 New Bdarce $0.213,55 Availablefor Cash $2,600 Your neat Auld Payment for $164 00 will be deducted from your account and credted on your due dale It your statement balance exceeds your credit !.cot or your account is past due. you should make a paymem met includes the amount reterenced pus the total Overtinit annum and any past due smouni prior to the due date. Plane do not rely on your AutoPsyrmem service io address an overbmi= due aifuation. REWARDS SUMMARY Previous pohms balance 3,947 Congratulations' You have earned enough Points owned for thence charges 63 po!ma to redeem to a $25 gill carliicele or Poims earned on purchases 0 even a statement credit. Log Ono New total poims belsnce 4.010 www.dhase.mm/r"ards to awe your reward options! 106 points to expm on statement dale in April 2010 Your Free Cash credit card sane 1 point 1w every eligible $1 you spend on purchases. Eam additional powse - as mudn as 10 Points Per $t shopping online though www.dlre.coMrewardspius. Add authorized users, and sign up to have your momhly bills charged to your cad. Why not get polnta for all !hose purchases too? Redeem your points snylims, or just check out new offers at www.clase. convre.vards. ACCOUNT ACTIVITY Date o! Transecson Macrent Name or Transaction Descrintion 5 mount 07109 AUTOMATIC PAYMENT-THANK YOU -16600 FINANCE CHARGES finance Charge Trsnsecion Daily Periodic Rate Corresp. Average Daily Due To Fee 7 Accumulated RNANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V 02532% 9.24% $155.86 $1.16 $0.00 50.00 S1.1a Cate advances V (35271% 19 24% $0.00 $0.00 $0,00 $000 W 00 Balance ir-fer V 02532% 924% $6,130.46 $61.76 $000 $000 $61.76 Total hence Charges $6294 Effective Annual ParCentage R.I. (APR): 9.249E Planes see Information About Your Account section lw balance compUlagol method, grace period. and ocher important Information The Corespondrlp APR is the rata of interest you pay when you carry a balance on any tranescson category. The Ettecive APR reprasams your local insmce dwgas - including irmstdbn lees such as cash advance and balance ralala left - expressed as a percentage. IMPORTANT NEWS Discover your lavorne S1grbucks Vivamo Smoothie! They come in three tamsetic tavom Orange Mango Banarw Bar sine Chocolate 6 Strawberry Banana. Each mmains 280 calories or lees, has great nutrillonal benelils end teedes sensational! 8468906 00000ef Fl61 1)5 000 Y a 19 oc,,0- Peat d1 OSea IMW West 200h0000050a01eaw X 0a60wa10ata 16 of 41 Payment Otte Dale New Balance Past Due Amount Mlnlitlum PsymeM 06r17l06 58, 113.97 50.00 516200 A ceourtl rwlrlbK: 1266 8417 7668 6361 -? Net. caeca Iaq+Msro: chess Cwd Services. Pkese wit 4a anent 9.lcbsad. Now address or -ill Print no bad 42668411706963610001620000811397000000000000002 mole sot 9 ai1090 I...IILL.L J. ?..?..??...1.1.... 11.1.1...11..1.1...11..11..1 NANCY J 9JURSTROM 15 ROOSEVELT ST CAROMEMBER SERVICE ENOLA PA 17025-27'35 PO BOX 15153 WILMINGTON DE 19666-5153 I...UI...UI.....LLB.L..LII...L.U..11..... U.I.I.... III 1:50001,60 281: 203 L 1 7069 6 36 13N' /? Statement Date CHASE O 07/2=9.0611910 g N.m.ge tra•r aeeau.q o.1M.1e: wrilmtan Paymteni: $162.90 Payment Dw Data: 09/13/06 A"Iderial reelect W*rwWtkM conveniently hated m raveree sae ACCOUNT SUMMARY Account Number: 1266 6411 7969 6361 Previous Balance $0.213.55 Total Credit Line $13,000 Payment, Crests -$764.00 Available Credit $4.666 Finance Charges 464.42 Cash Access, Line 52,600 New Balance 6.113.87 Available for Cash 52,600 Your next AutoPsymem for $162.00 will be deducted from your account and credited on you due date. It your statement balancie Bntce9ds your credit limit or your account is past due, you should stake a payment that includes the amount referenced plus fie total overlimn am m" and any peat due amount prior 10 the due date. Pfesse do not rely on your AutoPayment service to address to Overirutpasi due sllusuon REWARDS SUMMARY Previous potma balance 4.010 Congrefitlations' You have earned enough Palms Owned for finance Charges 65 points to redeem for a $25 gill ceneficete or Pointe earned on purchases 0 even a statement credit, Log onto Nev, total points belanw 4.075 vrww.ttoea.cortNawardO to am your reward options! 106 pointy 10 expire on statement date in April 2010 Your Free Cash crest card earns 1 poinl for every afigitie $1 you spell on purchases. Earn addllonalpoinls - m n uch as 10 point, per 51 shopping onlns though www.c ase.mrtJreaiardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not gel points tor all those purchases too? Redeem your points anytime, or lust check out new otters et www.chase. ciml,awards. ACCOUNT ACTIVITY Date of Trernac5on Merchant Name or Transaction Deecrlolion Amount OBI13 AUTOMAT IC PAYME NT - THANK YOU -164 DO FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp Average Daly Due To Fee/ Acwrnlated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V 02532% 914% $71.28 $0.56 $000 $0.00 $0.56 Cash advances V 05271Y. 19245-. $0.00 $0.00 $0 00 50.00 $0.00 Balance trander V 02532Y. 8.24% $6.136.40 $6166 $0.00 $0.00 $63.96 Toted finance charges $6442 E"ecilw Annual Percentage Rata (APR): 9.24% Plasma see information Abort Your Account section for balance computation method, grace period, and other importan t information The Corresponding APR is the real of interest you pay when you tarty a balance on any transaction category The Effective APR repramms your total finance charges -including transaction lees such "cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Plasm nob you new a new payment due data that has been extended 10 give you more time b pay The new payment due del: is reflected on this statement 11 you prefer to select e payment due dab that better noels your rwedl pies" call Customer Service 8468906 0000001 F53333609 o00 y 9 19 09"'19 Pot at o5aer WM0201e 23+no0000000002Maon 0011era1311er.31IMs 18 of 41 Payment Oue Del" New Balance Pmt Due Amount Minlmum Payment 1 W74l09 $8.015.61 $0.00 $16400 Account rwwnber: 4266 8411 706Y 0361 .? Ch efesdpyaNete: 9arlem. curse Card Ptesse rile smoum w.iossd. New edee+s or .-I, F-1 on beack 42668411706963610001600000801561000000000000002 Ol saiNseat,seo 1...111.1..1..1.1..I..11.,.(.I....il.i.l...ll..l.l...ll..ll..l NANCY J SJURSTROM 15 ROOSEVELT ST CAROMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 18886-5153 11..111...111..... 1.1.1.1... 1.11...1..1h.11.... JI.1.1.... III 450001,60281: 2031&713696-361390 Stalement Dale: CHASE O 0820109-Oa1W09 rg M.ne.eya.aaea.aertlln<: w eha,. mrNe.Mitrda w Mnirnum Payrnent: 5/ 60-00 o Payment Due Dab: 10/14!09 Additlanal mntsa k.fo.alstt.n .nllreroendy hated on nwese eid. ACCOUNT SUMMARY AccourtNumbar:4266841t7069636t Previous Balance $8.113.97 Total Credit Line $13.000 Payment. Credits -$162.00 Avolabe Credit $4.054 Finance Charges .$63.61 Cash Accoas the $2.600 New Balance ,o 15.61 Available for Cash $2.500 Your next AuloPayrnent for $160.00 vrill be deducted tmm your account end credited on your due date. "your stalement balance exceeds your credit limit or your account is past due, you should make a payment that includes the amount referenced plus the iolal overimt amount and any pest due amount prior to the due dale. Please do not rely on your AuloPsyment service to address to overimit.)7as/ due situation. REWARDS SUMMARY Previous pohse balance 4.075 Congratulations' You here eemed enough Palms earrad for inerx--e charges 64 points to redeem for a $25 gift crldcale or Palms earned on purchases 0 even a s demenl credit. Log onto New total points balance 4,139 www.daee.con*vrards to see your reward opvonsl 106 points to expire on statement date in April 2010 Your Free Cash credit cad awns 1 point for every, eligible $1 you spend on purchases. Earn additional points - as muds as 10 pants par $1 shopping online through www.dease cenJrewaidspkus. Add authorized users, and sign up to here your monthly bills charged to your card. Why not gel points la all those Purchases too? Redeem your points anytime, or just check out new offers at wow. cress cornfrarards. ACCOUNT ACTIVITY Data of Trensecion Merlon Name or Transaction Description Amount 06/13 AUTOMATIC PAYME NT - THANK YOU -16200 FINANCE CHARGES Finance Charge Transaction Deily Periodic Rate C«rasp Average Dally Due To Faef Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rata Service Charge Fn Charge CHARGES PWdlases V,02532% 6.24% $0.43 $0.00 $0.00 $0.00 $000 Cash advwxee V.06271% 1624% $0.00 $0.00 $0.00 $0.00 $0.00 Balance rareler V 02532% 9.24% $8.107.63 $63.64 $000 $000 $63.64 Total finance charges $63 64 Ettectlve Annual Percenuya Rata (APR): 9.24% Please see Imomation Abort Your Account section to balance computation method. Waco period, and other important information . The Corresponding APR is the rate of interval you pay when you carry a balance on sty transaction category The EtbOive APR represents your total hence charges -including transaction tees such as cash advance and balance resale tees - expressed as a percentage. IMPORTANT NE Gating DIRECTV.e FREE and EASYI Ask how to Save $21 a moth for one year. DIR ECTV offers access 10 as merry as 265 channels, AN an 100% digital picture A sand. Call 1-80,114186-211115 now and identify yourself as e Chase cadmember! 8468906 ca00001 F6,r1.1te 25 coo Y e 10 "Wen a PV.1 d 1 056" MAW W"5 Sou 1000005000-1' 1 7C ooatwslsel?wauwolasun.l.alanelueltezl 20 of 41 Payment O us Dar Now Balance Past Due Amount lsinins nrl Payment t/773M9 57,91648 50.00 5759.00 AeeoealN raaltlbar: 4269 8911 7090 6361 Meks veer rhsalr asysW to. Chase Card 9s.r- Pliese . resmarmendose0. Now New adddress or rmel+ Print m back 42666411706963610001580000791648000000000000001 O.G./ BBC a 21209 0 NANCY J 6JURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 1...111 ... Ill.. u.1.1.1.1...1.11..1L.11..II..... 11.1.1.... III 1...I I1.1..1..l. I.. I.. i l...1.1....I I , i.l...1I. J.1.., I I ..l I ..I CAROMEMBER SERVICE PO BoX 15153 WILMINGTON DE 198116-5153 1:5000 1n6D 281: 203 i i 706963613ae Statement Dar: CHASE O 09720009-10119A6 g Sums. year 4--nteMne: WWap h-O,nY,,dk,YM Mmlrnun Payraant: 5159.011 Payment Dias, Date: 11n3/09 06"Ide . l oxwel krten O" ACCOUNT SUMMARY Account Nu slow: ids 9411 7099091 -snienlly lacalsd m rewne 11109 Previous Balance 58.015.61 Total Credll Line $13,000 Payrrent, Credits -$16000 Available Credit $5,083 Finance Charges +$60.87 Cash Access Line $2,600 New Balance 7,01548 Available for Cash $2.600 Your need Auto Payment for $158.00 wM be deducted 1rOm your aceoum and credited on your due date It your alatemenl balance exceeds your credit limit or your accmnt is peal due, you should make a payment that includes the arnount referenced plus lie 10181 overtiont wthount and any pest due amount prior to the due date Please do not rely on your AutoPaymeni service to address an over vi iupmt due si1191ion REWARDS SUMMARY Previous parse, balance 4,138 Congra?dalionsl You hove -mod enough Points owned for finance charges 61 points to redeem for a $25 Bilk cerliimte Or Points owned on purchases 0 even a staternem credit. Log onto New total points balance 4.200 www.caas.domaewenda to see your reward Optional lob pants to expire on staterri l dale in April 2010 Your Free Cash crodil card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points pw $l amWng OMine lhv gh www.dhme.mnV a rdapkm Add authorized users, and sign up to have your monthly bias charged to your card. Why not gel points for all those purchases too? Redewn yourponisanysme, or lust check out nev, offers at www, chase.corNrewards ACCOUNT ACTIVITY Date of Trarnaclon Merchant Name or Transaction Desaiotion Arrhournl 10/14 AUTOMAT IC PAYME NT - THANK YOU -16000 FINANCE CHARGES Finance Charge Transaction Daly Periodic Rare Corresp Average Daily Dar To Feel Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate S-I;co Charge Fn Charge CHARGES Purchases V 02532% 8.24% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V 05271. 19.24% $0.00 $0.00 WOO $0.00 $0.00 Balance kmslw V .02532% 924% $8.013.13 $60.87 $000 $0.00 $60.87 Total brine charges $6087 Etrctlw Annual Percentage Role (APR): 9.74% Please see Inlontalion About Your Account ascrion for balance calputstion method, grace period, and other importan t iMOrmelion. The Corresponding APR is the rate of interest you pay When you carry a balance on any traraeclon category. The Enecti" APR represents your 10181 finance tlwges - including Inansec ion tees such as ash advance and balance ltanaler, tees - expressed as a parconlege. IMPORTANT NEWS Thank you for bang a valued Cardmereber . 8468906 laemm ieONppe b e pod Y 9 It 0081881 9 Yoo. t o t Vegas _W0~ 29M 0000010000.0.1 081 zmm estsae 22 of 41 Payma it Dw Dale, New Balance Peal Due Amount Minimum Payment 12/14/09 59,011.14 5150.00 533200 Accoled number: 4266 6411 7000 6361 Make year h..k Payade to: Chete Carl 3erv1- Pgas. wr4 omant rMUOS.d. Now .tldrees d o-mai? Pnnt ?n atlr 42668411706963610003320000801114000000000000007 O 9Or o moan NANCY J SJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 1...11{...III..... LI.{.1...1.11...1..11..11.....11.1.1.... 111 1...Iii.1..1..1.I..1..11...1.1....Il.l.l...fl..l.l...ll..ll..t CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19586-5153 450001,,6028s: 20311,7069636130 /? Statement Date: CHASTE O iorzwoo-11/19/09 8 IYa.fayavaoeeueonline: Minknlan Payment: 1332.00 Payment We Date: 12!14/09 Additional CYnbli kdomwll n ACCOUNT SUMMARY Account Nurnber: 4286 9411 7M6 6161 DDnw 11y, touted m rave.sa Via. Previous Balance $7.916.48 Total Cradf Une $13.000 Purchases, Cash. Debits -11113900 Available Credit $4.968 Finance Charges .$65.66 Cash Access Line $2.600 New Balance 9.011.14 Available for Cash 50 CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Rewards transferred in 542.00 Rewards sarred on purcivases $0.00 Bonus rewards from Usmae Rewards Travel $0.00 Bonus rewards earned at Ultimata Rewards Mall $0.00 Current rewards balm- $42.00 Your Chase Freedom credit card allows you 10 earn unlimited Cash Back Rewards with No Expfretlonl You earn a full 1%cam beck on ALL of your purchases with ongoing opparhnftes io earn even morel Earn up to an additional 10% cash back when you shop orone Byough the Utmate Rewards Mail. You can redeem you Cash Back Rewards for cash. gift cantle, Tavel or merchandise. To redamL go online at www Ue96 mrrAiltmaferewards or call us at (800) 610-5676. ACCOUNT ACTIMY Dale of Transaction Mardhant Name or Transaction Description S Amount 11/13 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Feel Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Raw Service Charge Fn Charge CHARGES Purchases V 02250% 8.24% $6.81 $0.06 $0.00 $0.D0 $0.06 Cash advances V.052719/6 19.24% $0.00 $0.00 $000 $0.00 $0.00 Balance Tsnsler V 02258% 8.24% $7.94339 $55.60 $0.00 $0.00 $55.60 Total finance charges $5566 ENec ve Annual Per-lag. R.I. (APR): 9.24% Please sea Information About Your Account section for balance comptnarion method. grace period. and other rmponent information. The Corresponding APR is the raw of interest you pay when you carry a balance on any Irarseckon category Tine Etbcive APR represents your total finance charges- including iransadon tees such as cash advance and balance Tansler lees - expressed as a percentage. IMPORTANT NEWS Chose Gift Cards, The Perfect Gin! Availad. in any amonud Tam $25 to $500 Accepled at mllions of localtms worldwide. Order online at chase.corrJGdfCardOrde or stop by a Chase Branch today' 8468906 ODOOOM F63133fiD t2 000 Y 9 19 MAi SO Pe9.1 d 1 Met an din Oara2 ? 000D120oo06a2oh Z 0122ar9lat00 26 Of 41 Payment Due Darla New Balance Pass Due Amounl Mlnlnturr. Pryrnant 01/13!10 $8,104.64 533200 $506,00 Account n1a110er: 4258 891 7D69 8361 Mace year check Payable te: Chase Crd 9rvlaea. Ploasa wrre .anal! w ..d. New address or -41 Print on bad, 42663411706963610005060000810464000000000000006 sa eEdk 01 o NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 I...III...III.,...Li.l J...1.1I...L.111.11..... 11.1.1.... III I,..111.11.1..111.. h.I I...I.I....11.1.1... II..I, I...I I.. i l..l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001.60 281: 203 & &7069636 &3aa 8468906 CHASEFREEDOW 1 a 1 121°op r owllnt oMlna: H M na6a yea a h-corn r M6nlntum Payrnant: 5505.00 110e7a.L Psyrrler t Dw Drift: 01/13/10 A"dana1 oweae W-den ACCOUNT SUMMARY Account Numbar: 455 5411 700 6751 conwr.anty loafed on ni-se side Previous Balance $8,011.14 Total Credo Line $13,000 Purchases, Cash, Debits 43900 Available Credit $4,805 Finance Charges .564.50 Cash Access Line $2.600 New Balance 6,104.64 Available for Cash W Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $12.00 Rewards eamod on purdltssss $0.00 Bonus rewards from Ltitirnme Rewards Travel $000 Bonus rewards earned of Utimate Rewards Mall $D 00 Rewards unavailable for redemption $4200 Current rewards balance $000 Your Chase Freadom vedd card alto" you to earn Unlwnded Cash Back Rewards with No EtPralioN You earn a 1W1 1% man back on ALL of your Wchmes with ongoing opportunities to earn even rnoret Earn up to an add4lonal 10% cash bark when you shop online through the Ulrnale Rewards Mall. You can redeem your Cash Back Rewards for Cash, gift cards. sewn or merdtndise To redeem, go online at www dose mrM,lomalerewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Destripbon S Amount 12/14 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Deily Periodic Role Corresp Average Deily Due To Feel Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rote Service Charge Rn Charge CHARGES Purchases V .02258% 8.24% $46.99 $0.32 11000 $000 $0.32 Cash advances V 05271% 19.24% $0.00 $0.00 50.00 $000 $0.00 Balance vanoter V 02256% 8.24% $7,988.20 $54.18 30.00 $0.00 $6418 Total fence charges $5450 Etleetlve Annual Percentage Rafe (APRY 9.24% Please see Intonnation Aboul Your Account section tv balance Con+pu alion method, grace period, and other inporlnt irdor bon The Corresponding APR is the rate d mleresl you pay when you carry a balance, on any transaction category. The Ettedive APR represents your btal Srorre dwgss - inducting transaction Idea such as cash advance, and balms transfer lees --pressed as a peccentage. X521 OOol0adOm 1lsda odaddat .eSlade 09 cola r v 1e --a Paean at come, __ -W R Ns. 2of21 Payment D" Dale New Balance Paso Due Maounl Mlnlmum Payment @l13A0 56.200.62 $506.00 568300 Aeeotmt taattber: ?Z66 W11 7060 6351 $ ?I W le your <Md ppehle tar: J Chaa6 Card 9rvbr. Pa wain assent Now a ddreas or rma0 Print t on bed 42666411706963610006830000820062000000000000005 nntt eo, s ash 0 0 try R?OOSEVELRT ST OM ENOLA PA 17025-2736 CARDMEMBER SERVICE PO BOX 15153 WILMINGTONDE 19866-5153 1:5000 L60 28e: 20 3 L L 7069636 L 3ee CHASEFREEDOM' 12Qd0 1%19/+5 ehw aawM onero: B tYes a y y vrrr clam mryQSdsrrds Mlnkmun Payment: 5663.00 Payment Dus Dole: 02/13!10 Aedimanal cor66Q IMemad n ACCOUNT SUMMARY Account Number: 4266 8411 7069 6367 converiisnay located on revene also Previous Balance Sa.104.64 Total Credal Line $13,000 Purchases. Cash, Debits +$39.00 Avaiade Cradil $4,769 Finance Charges +$66.96 Cash Access Line 52.600 New Balance .200.52 Avaiable la Cash $o The charge privileges on you credit card account have been revoked. You no longer have the abkly to use your credit card ac court lot purchases. We can help you get back on rack. Cao t-600-955-8030 (Collect 1-302-594-0200) today. CHASE FREEDOM- ULTIMATE REWARDS " SUMMARY I Previous towards balance $0.00 Rewards earned on purchases $000 Bonus rends from Uturn to Rewards Travel $0.00 Bonus rewards earned at Uerrame Rewards Mall $0. D0 Rewards unavallade for redemption $42.00 Current rewards haltnnm $0.00 Your Chase Freedom oredil card ellows you it, ern Unissued Cash Baer Rewards wish No Exprslion! You earn a lull 1Y. cash back on ALL of your purchases with ongoing opportunities to earn even morel Err, up to an addmonal 10% cash bark when you shop online through the U4mats Rewards Mail You can redeem your Cash Back Rewards lot cal,. gill cards, ravel or marrhahdim To redeem, go ortme at www chase mMUHmeterewarde a call us, ed (800) 610-5676. ACCOUNT ACTIVITY Date of Tmrmcton Merchant Name or Transaction Deisampbon $Amou ail 01113 LATE FEE 39 Do FINANCE CHARGES Finance Charge Tmn sacron Daly Periodic Rate Corresp Average Daily Due To Fear Accumulated FINANCE Category 31 days in cycle APO Balance Periodic Rata Service Charge Fin Charge, CHARGES Purchases V .02256% 6.24% 567.45 $0.61 50.00 $0.00 $0.61 Cash advances V 05271% 19.24% 50.00 $0.00 $0,00 $0.00 $0.00 Balance raider V 022511% 6.24% $8.053.55 $56.37 $Imo $0.00 $56.37 Total finance charges $56.86 E"wtlw Annual Percentatls Rats (APR): 8.249E Pleass see Imormation About Your Ancoum section for balance comp Aallm method, grace Period, and other important rMormalhon. The Correapon6ng APR is the rate of interest you pay When you carry a baanca on any tmrmacton category. This Effective APR represents your total finance charges - including transaction fees such as cash advance end balance transfer loss - expressed as a percentage. IMPORTANT NEWS Try TurboTm Free Edson for your ample ratan or Gee a 35 parcera Discount on TurboTex Online Federal Products urinal close con-Am" 8468906 00060th Fn=1606 o60 v 9 to haehne Pigs- teats ,Aehie 0131. o,N WOtOt000013'MOr X O.a 4of21 Psymart Ow Delta, New Balance, Peal Due Mount Mlnlmum Paymain 0L1Vt0 58,287.27 5683.00 (96200 Aceo4rN ewaltber 4266 &111 71D6? 8361 Mao ys•v clhadr py.Ne [e: Chase Cad seivless. Plwla vwN a•rowht oncbs9d. Now cadres! a amain PnM m Oadk 42668411706963610008620000829?27000000000000009 NANCY Cr 9ahoho0 Ir.rill.l..i..irl..i..ll...1.1..•.11.1.1•..II..I.1.•.U..I1..1 J atuRSTIaoM 15 ROOSEVELT ST CARDMEMBER SERVICE ENOLA PA 17025-2736 PO BOX 15153 WILMINGTON DE 19686-5153 L..Ill.r.lll.•...1.1.1.1r r.i.11...L.11..11...••11 •LL•..III 11:5000 L60 2811: 20311706963f.130 CHASEFREEDOM' g,g,,,.?ya„b?y,,,, ,,?; Aedtrlwwimdaa lnlen•wdon y®y canwrvanty wcaad on revasv sae ACCOUNT SUMMARY Accatrt Number: 4266 8411 7069 6351 Previous Balance $8,200.62 Fees Charged +539.00 Interval Charges +$67.65 New Balance 58,207.27 Openirg,iCbeng Date 01120110 - 02110/10 Total Credit Line $13.000 Available Credit $4,702 Cash Access Line 52.600 Available for Cash 50 PAYMENT INFORMATION Now Balance 58,267.27 Payment Due Date 03716/10 Wwwrum Payment Due $862.00 Late Psym rri Waning: It we do not receive your minimum payment by the date listed above. You may have to pay uP 10 8 $30.001914 Ise end your APRs will be subjecl to increase 10 a nsmnrrn Penalty APR of 28.09%. Msnimum Payment Warning: h you make orgy the mnmun payment each period- you wit pay more in interest end it will take you Ingw to pay off your balance. For exerrOw. if you make no You Brill pay on And you roll and up addtind charges the balance paying an aM-W d told using this card end shown on this ot... each momh you statement in pay-. about.. orgy ins minimum 23 years $12.557.00 payment $26100 3yeen 50,39700 (Sevmge-53.160 00) a you would like Infomniion atow credit counselling services, call 1-866-797-2885 You hev-1 made the rociuired paymana and your cracki card account is e0 gays peat due. As a result. your credit bureau may be updated with a negative rating- Please sand your payment in9nledlaley or cat us at 1 -000-955 403 0 (collect 1-302-594.8200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance, $0.00 Rewards earned on purchases 50.00 Bonus rewards Irom Ultimate Rewards Travel $000 Bonus rew nos awned at Ultimate Rewards Mat $0.00 Rewards unavailable 1a redemption $42.00 Current rewards balance $000 Your Chase Freedom credit card eflowa you to own Whmlled Cash Bads Rewards an No Expiration! You own a full 1% men back on ALL of your purchases with ongUng opponwilfee to earn ern more! Earn up to an addisonel 10% clean back when you shop online 8rough the Ufinele, Rewards Mao. You can redeem your Cash Back Rewards tot cash, gift cards, ravel or merchandise. To redaern• go online at www chose uwmAiltimaterowards or call us at (800) 610.5676. ACCOUN ACTIVITY 0810 01 Transaction Markham Name or Transaction Description $ Annum i.}}}..... - .v; '.vv :. ':k. v•.U1v.J:>-}•iv}'?:Yi::i}i 'iM{:,:ti4}}'n•Y :vr:viiiii;:{:$is?:i:^?M.:i`:v ...................:.-...:.v:Ci::?.i: -. ....:...t•...:n..: ......:....:.....:::.:......".....-..v.::.::..van:..:.- .. .........--..... -... -.. ... 021i4.........:. LATE FEE 39.00 TOTAL FEES FOR TMS PERIOD $3900 02/10-- - PURCHASE 'INTEREST CHARGE' 88 02!19 PURCHASE 'INTEREST CHARGE' 5677 TOTAL INTEREST FOR THIS PERIOD $5765 8468906 {a0000r F033319De 000 v 9 19 faa2119 P.C.I d2 OSeM W W 21W 0501 p000a0=I,W1Qh Z oka Mshs.a 6of21 Stelement Date: 01/20/10 - 0209110 Aocounl Nuntbar: 4266 5411 7069 6361 Pape 2 of 2 Total tees Cnrped n 2010 $39,00 Told interest chanted to 2010 S5765 Year-n-dste totals relect all charges rnnus any relunds 9pCllee 10 y0llr acmtmt on or alter Januent 31, 2010. 8468906 INTEREST CHARGES Your Annual Percentage Rats (APR) is the annual interest rasa On Your account. Annual Balance Accrued Baltstce Paroentage Rule (APR) 3ub)act To it~ Interest Type 31 Days in Cycle Invest Rate Chrgee Charges Punytases 8.24%(v) $125.94 $0.88 $0.00 Cash Advances 19.24%(V) $0.00 $0.00 $0.00 Balance 1raMtr 8.249E (V) Sa,110.11 $56.77 $0.00 (v) . Vanable Race Please acre Inlormalion About Your Account section toy the Calculation of Balance Sutgeci to Interest Rate, Annual Renewal Notice Mow to Avoid interest on PLw&asee, and oinr irrponent in formation, as appicable X owomn Rammutot ow Y . t. tell. PV.2a2 osms w.rl+zr..a ssammosm@rsaio2 a of 21 Payrrwll Due Dan' New Balance Pass Due Amount Ylnlmum Payment olnsno $e.3ae al Ee6z 0o fl,m7-oo Aecwtnl n111nbar: 4266 8411 7069 6361 Make yow dray P.V.M. to: Chase Card 7evloe. Pleats wrb amount endosW. New .= ar ...A'1 Pant on bed 42666411706163630010370000838893000000000000000 2Mna -.o NANCY J SJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2735 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 20 3 L L 7069 6 36 13N' CHASEFREEMM- g 1111erhaw your Koiand -: Additional osMars kdsrw tk. app cmuarihnty located on rovww side ACCOUNT SUMMARY Account Msnbw: 4266 6111 7069 6351 Previow Balance $6.297.27 Fees Charged 439.00 Interest Charged .$52.66 New Balance $8.380.93 Opsnin loalng Date 02120/10 - 03/12/10 Total Credit Line $13.000 Available Credit $4,611 Cash Access Line $2,600 Available for Cash $0 PAYMENT INFORMATION Now Balance $8.388.93 Payment Due Date 04/16110 Wrimum Payment Due $1,03700 Late Paymant Wanting: 11 we do not receive your minimum peyrnerd by the dab listed above, you may Kaye to pay up a e $39.00 late tee and your APRs will be subject to oncrease to e maximum Penalty APR of 29 09% a6nknum Payment Warring: 11 you make only the mir.rtanl payment each period, you will pay more in interest and it will lake you longer to pay oft your balance. For emni le' II you make rho You will pay oft the And you vial and up additional charges balance shown an paying an eetimeled using Yne card and true statxnent in total 01 each month you about. pay Only the ninlmrn Payment 23 years $12,700 $264 3 years $9.501 (Sayings=$1.199) If you would like inlormallon about credl counseling services, call 1.866-797-2805 It's not loo late to resolve the oulstwtdng balance on your aedlt cad account. W e have a yadny of psymenl opllona stet may be right for you. Call 1-089-792-7547 (collect 1-302-594-8200) today. CHASE FREEDOM: ULTOAATE REWARDS SUMMARY Previous rewards balance $0.00 Rewards earned on purchases $0.00 Brous rewards from Ullintide Rewards Travel $0.00 Sams rewards earned at Lihimale Rewards Mall $0.00 Rewards forfailed this period $42.00 Cadent rewards balance E0.00 Your Crier Freedom aed8 card Blows you to earn Ummeed Cash Bach Rewards with No Expiration' You earn a full 1% cash back on ALL of your purchases with ongoing opporlatnea to earn even chore'. Earn up to an additional 10% cash back when you shop Online through the Utimele Rewards MaN. You can redeem your Cash Back Rewords for cash, gib cards, ravel or merdhendse To redeem, go online at www dhaee.oonNanimelerewards or call us a (800) 610-5676 TOTAL INTEREST FOR THIS PERIOD $52.66 8468906 0000001 Mlo,llaolo 000 Y a 10 IERIna Pae.1 O2 05se6 cents 20121 01e1 ebaetaDa@er2/a x oka 10 of 21 Statement Deis. 02/20110 - 03/19/10 Account Number. 4266 5411 7068 6361 Pape 2 of 2 Total lees Carped 0 2010 $70.00 Total interest charged ,n 2010 $110.31 Year-q-0afe iotais rglecn 511 charges morn any rsLnds appieo to y" acWan on or after lanuary 31, 2010. INTEREST CHARGES Your Annual Percrnage Rate (APR) is the annual interest rata on your account Annul Balance Acvued Balance Percentage ROM (APR) 9uh(ecl To Inlaeal Interest Type 28 Days In Cycle InsreM Rate Charges Charges Purchases 824%(V) $156.35 $100 $0.00 Purchases 6.24%(v) $6.57 $004 $0.00 Cash Advances 19.24% (v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $000 Balance us-*, 624%(v) $6.164.24 $51.62 $000 (v) = Yartatie Rate Pieties see Inbrmalion About Your Account section bar the Calculation of Balance Sutiect to Interest Rata, Annual Renewal Notice How to Avoid Interest on Purchases, and o1hw important inlori alion, as aMi cable 8468906 X awoom Fl53#VeDte ow I e to 1e0Y1e P."2e2 05*6 11- W 204V 01 OtvoroWQArZ1a3 12 of 21 Payment Due Dale New Balance Paw Due Mount Mlnlrnum Psyrrlsrtt OS/t6r10 56,467.61 $1,037.1X1 57,220.00 Accourd rwnnbw: 4206 6411 7M 6361 . Make yev dieca PayaW to: Chile Card 3-1- PI.- win arrant --lo-d. Now address or -0 Pint on lack 42668411706963610012200000848761000000000000001 Mli am v -oo NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA PA 17025-2736 1...111...111..a.1.1.1.I...1.11... II.M.11.....ll.l.i. o.lll 1.r.111.1..1..i.i..i..ii...1.1...a11.1.1...1f..1.1...11..11..1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19 68 6-51 53 t:S000160 28t: 203 1,i 70696 36 1 3r CHASEFREEDOM- L? --W M-: A#dk.n.l-ft,:iW.-do. w..w those aorn/c.±ltc.rds cmvw+ently located on ravasa side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 42"041170596361 New Balance $8,487.61 Previous Balance $8.388.03 Payment Due Date 06/16/10 Minis um Payment Due $1220.00 Fees Charged .$39.00 Inlwasl Charged 459.68 New Balance $8.487.61 OpentnplClosng Date 03/20110 - 04179110 Total Credit Line $13.000 Available Credit $4.512 Cash Access Line $2.600 Available la Cash 50 Late Payment Wenling: It wa do not receive your rnirlirraxn psymenl by the dale listed above. You may have to pay up Io a $39.00 late tee and your APR s will be subject to increase to a ma ,morn Penalty APR of 29 99% Mlnlrnum Payment Warring: It you make only the minimum payment each period. You wilt pay more in "weal and it Win /eke you longer to pay oil your balance For example: It you make no You will pay off the And you will and up additional charges balance shown cn paying an eallmaled using this card and this statement in total of each month you about.. pay. . Only the minimum 32 years $17,414 Payment $266 3 years $9.630 (Savngs=$7,775) 11 you would like irnonnalion about credit counseling services, call 1-866-797-2885. You haven't muds the required payments and your credit card account's 150 days peat due. You can, ON turn things around Call us today at ta86.792-7547 (Collect 1-302-5"-4112001 so that we at find a solution for your situation. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards. balance $0.00 Rewards samed on purchases $0.00 Bonus rewards from Ultimate Rewards Trsvsi $000 Bonus rewards earned at Utimate Rewards Mall $0.00 Current rewards balance $0.00 Your Chase Freedom credit card allows you n earn Unlimited Cash Back Rewards wall No Expiration You earn a fuel I%cash back on ALL of your purchases w4h ongoing opporlulikes to cam even more! Earn up to an additional 10% cash beck when you shop online, through the Utimate Rewards Mall. You can redeem your Cash Back Rewards $or cash. gill cards lravel or merdhancse. 7o radsent go ohine at www.alas9.com ilultimsterewalds Or call us at (900) 610.5676 ACCOUNT ACTIVITY Dale of Transaction Merchant Name or Transaction Description $ Amourn ......,-::::.:?.... ..........,...... - %:i -f ... ...... %'[ ;. .. .. :. r.... .: .re 04116 LATE FEE 3900 TOTAL FEES FOR THIS PERIOD $39.00 ...t...... . -.., .. ? , ..:.:... ..... :...... ....: - :.: ;. __. D4/19 PURCHASE INTEREST CHARGE 107 04119 PURCHASE INTEREST CHARGE 112 04119 BALANCE TRANSFER INTEREST CHARGE 57 53 TOTAL INTEREST FOR THIS PERIOD $5968 8468906 0000001 F139aa36D6 000 y 9 19 10004,119 P.a.tu2 05694 JiUiWo7511 1=00000m00075t101 X ore 14 of 21 Statement Dale: 03/20010 - 04119110 Amount Number: 4266 6411 7068 6361 Page 2 of 2 :i??.Mnii-t)i.Cv':1•.• 4\ •?:-0±1Y? ^ii::i Total leas charged in 2010 $11700 .. Total interest charted in 2010 $169.99 Year-lo-dale Iotale r llacj all charges minus any ? Iunds apcied to your account on or ansr January 31, 2010 8468906 INTEREST CHARGES Your Annual Percentage Rate (APR) is the amual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Irdereat Imerew Typo 31 Days In Cycle ImereM Rate Charges Charges Purchases 8 24%(v) $159.41 $1.12 $0 00 Purchases 27.24%(v) $44.51 $103 50.00 Cash Advances 19.24%(v) $D.00 $0.00 $0.00 Cash Advances 27.24%(v) $0.00 $0.00 $0.00 Balance transfer 8.24% (v) $8,218.97 $5753 $0.00 (v) - Vahatle Rate Please see Information About Your Account section for the CalaAalion 01 Batace Sutjeet to Inlaraw Rale, Annual Renewal Notice lbw to Avoid Interest on Purchases. and other inponant intomrtlon, m applicable. R 0000001 "SmWeDs 000 y 9 19 10FOu19 Pp2ar2 0586a ww Ws1h 109.00000.0000n1102 16of21 Papnrlt Due, Dale Now Balance Pot Due Amount MlNnwlm Paymerrl Og116110 :8.565.67 31,226.OD 31,403.00 Account Iluanber: /Z06 &i11 7og0 0367 Male yew chack m PsyaW ed Ch- Cwd 9rviees. ewa writs, Wou ddine ;mnt w.doae N . New eddnrn or e•mei? Print on oed 42666411706963610014030000858567000000000000003 OWNSEX a 196100 1-1161..1.11.6.1..11...I.1 ... II.1.I.A..1.1..11611t..1 NANCY J BJURSTROM 15 ROOSEVELT ST CARDMEMBER SERVICE ENDLA PA 17025.2736 PO SOX 15153 WILMiNOTON DE 19666-5153 I...IIIt..III.....1.Id.1...1.11...t..ll..il..„.11.1.1....111 1:500011,60281: 203117069636L30 CHASEFREEDOW Q ern.«r? ?a+K: "do." oonra saomwaon fI01sY. chimakcards converiwaly Iocsted on rsvwas aide ACCOUNT SUMMARY Account Number: 4266 6911 704,10 6361 Previous Balance $8.487.61 Fees Charged .$36.00 Inlerset Charged .356.06 New Balance $6.585.67 Oparirg/Cbalng Dade 04/20110 - 05/19110 Total Credit Line $13.000 Available Credit $4,414 Cash Access Line 32600 Available ter Cash s0 PAYMENT INFORMATION New Balance 36.585.67 Psymera Dus Data 05/16/10 iltirnum Payment Due $1.40300 Lab Payment Warning: H we do not receive your mfnmum payrrrr" by au date isard above, you may have to pay up to a $39.80 Ire he and you APRs wiN be auttisct to inaesea 1o a nr9akrkan Penstly APR of 29.90%. Wr.lraum Paymsrd Waming: H you malls only the mirimm payrnem each period. you will pay more in interest and it wit lake you longer to pay ob your balance . For ourripiw it you make no You will pay off the And you wilt and up additional chrgss balance shown on paying an estimated using "a cold and this s atannent in total of .-. each north you about.. Pay- Only the nsrinsrn 32 years $18.342 payment $271 3 years $9.762 I (Savings-W.580) It you would JIM irloanarion about credit counseling semces, call 1-866-797-2085. The outstanding balance on yo 6r credo card account is scheduled to be written of as a bad debt shortly. As a result your credit bureau will be updated with a n igme rising that could IBad for up to seven tiers. We can sM help but you need to cet us now at 1-8011-7824547 (Cold 1-302.59411200). CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards batsro $0.00 Rewards sarrad on puduses $0.00 Boras rewards from Liar ale, Rewards Travel 30.00 Bonus rewards sailed at LAwyals Rewards Mall $0.00 Current rewards bslmm $000 You Chase Freedom croda card allows you to earn UnInaled Cash Bark Rewards wish No E:piralion! You ern a his 1% man bark on ALL of your purdvsee will ongoing oppor Mm to wan even morel Eon up iom add"aimalto% cash back when you slop arena 1laouglt the Lltmsas Rewards Mall. You can mdmm your Comb Back Rewards bar cash, gill cards, Tavel or maranandise To redean, go onWm al www Oawe. comUlimatwrewarde a call m el(600) 610.5676. AC Date 01 Trer,eaclon Marcham None or Trareacticn Description $ Arlounl -':C¢::.:. ;" ?-.•, ', ,,a,,2 `}:•v?',.,',,'?$y'?v.,,}ri •"",25:,\.2".: ..`.$::' .;,•:i::tlriK$:;^'-^°??-:.::i^: 05118 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD - $39.00 v.?.,?. :} ..............:.......rc }.:`•. xi}.,i:3 1„ ...}}..::nn..::::.:n:..,,...:.::-::: `:: n:::::.i-::::....:.: ...:..:+in ;p.: ?:'.:.:..}:: b.. 05119 PURCHASE INTEREST CHARGE 1.9t 05/19 PURCHASE INTEREST CHARGE 1.o9 05/19 BALANCE TRANSFER INTEREST CHARGE 55.08 TOTAL INTEREST FOR THIS PERIOD $59.06 8468906 ODeelet F633=06 ego If e 19 Mains Pgele2 ones W.4/ ON" 1]elaggageggg0aeew. X era 2of5 SlefornpM Dow 04(Wo-05;19110 Account Number 4266 6411 7o6V 6361 Page 2 of 2 M.W Total ime harged n 2010 ....:.••:;156 00 Total irnwesl charged in 2010 5229 OS Veer-lodWe 101815 raleet ail Charges mnus any MIUMs applied l0 your aCO,U l on x atw .lwn t, 31. 2010. INTEREST CHARGES Your Annual Percentage More (APR) is lu te annual i nalrew n, on your account Balance, Annual Pereernge RXW (APR) Balance Bub?eot To ?? T ype 30 Data In Cycle - Interest Rata Irrtelarst G1ryes InNrge Purchases 6.24•A Purchases .51 1 Chr 9ee 27.24%M MI CaenAManoea 16.24%(r) $55 S .91 $ 51.61 S0.00 50 00 Cash v ances 2 (V $000 ?.? $0 00 $000 . JDDO Ba nwle froorsaw ) a .24%( . 276 56 56 $0.00 $0.00 M - Variable Rafe . . S56.o6 $000 Ranee am hfornwhon About Yow Acmurn moon for the Calculation of 911110109 3 How to Avoid harrow on Purchases am h ut:jeot b lh%rmI pate Annual Renew l N , ol ar important inlomla6on, as aplAcable. , a otlCe, 8468906 X Moose Rs3wmDo ono r 5 to le . vq.2s2 oeli W 1e1 afar 1]pe0mp5ee®33ep3 4of5 Pa-t Dull DaN New Balance Pam Due Amount Mlnlmum Paymem Osnerto $e.ses67 $t.nooo it.4o3o0 Account tw111ber: 4260 9411 7060 6361 Chore Card 5-hies Please.wo snn..a widosap. E:::?] , Nsw add.ass a am.i> Print pin bad. 42666411706163610014030000858567000000000000003 ;tZZ; Jed TROM IS ROOSEVELT ST ENOU PA 1 702 5-2 736 I...III...III.....LLbt...1.IL.. L.M.U,... dL1.6..dli 1:50001,60281: 203 1170696 36 1308 CARDMEMBER SERVICE PO 13OX 15153 WILMINGTON DE 18888-5153 GHMEFREEDOM- g 1 ... yar teooent urine: A"Nonal mnUct kdom-tlnr, 6813. -varier,eylocated onnPlpea side 8468906 ACCOUNT SUMMARY Aaount Number: 4266 9411 7068 6361 Previous Balance $6.487.61 Fees Charged 439 00 Interest Charged 459.06 New 8*-- $8.585.67 OpeninglClowng Date 041201tO - 05/18110 Total Credit Una $13.000 Available Credit Cash Access Line $4.414 Aveibtle to Cash $2,600 50 PAYMENT INFORMATION New Baance Payment Dire Date $8.5.67 o6n6/to ktnmum Payment Due $1.403.00 Lets Patmnenf Warnirhq: If we do not re®ive your mrlrnum payment M the date farad above. you may have to pay up to a $39.00late fee and your APRs Mill be sublect to irlcressato a maximum Penalty APR of 29 90% Mlnlrnran Payment Warning: If you matte only the minnxim payment each period you will pay more in ,merest and it wif take you longer to pay Ott your balance. For example. 8 you make no You will pay oil the And you will and up additional =908 balance shown on paying an estimated using "a card and thie alabntanl in tone ol_. each month you about. pay. Only the mirlmum 32 yeas $18.342 Payment $271 3ygarg -' $8.762 (Sav,rga?$8,580) 8 you would like into nn Ilion about credit counseling services. cell 1-966797-28a5. The outstanding balance on your aeda card account's scheduled to be written oil all abed debt shortly Asa result. Your cmdt bureau will be updated with a nagatba rating Thai could last f 1-8118-792-7547(cotlers 1-302-594-8200)- or up to seven years We ran still help. but you need to ®f us now at CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rawards belanoi, Rewards earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at UhNnale Rewards Mall $0.00 Current rewards balance $0.00 $000 Your Chase Freedom credit card allows you to earn Unlimited Cash Back Rewards with No Expiration' You earn a lull I% rash back on ALL of your purchases with ongoing O POrtmitim to Gam even morel Earn up to an additional 10% cash beck when you shop omne enough the Ultimate Rewards Mall. You can redeem your Cash Back Rewards bin cash. gift card., travel or merchandise To radearm, go orllne at wow chese.con"timeterewards a Call us at (800) 610.5676 ACCOUNT ACTryfTY Date of Transaction Memhem Name or Tr anaactlen Description $ Amount N, -dM g" '-.:{:.::-i?::.: •.::i?{:.:.:..:isr?,iis?:;:;jii:,ji:vL.ji:::{>.}?}i..?ij!i ?.:::Yii::-...... LATE FEE ..:. ,:...:.: .. :•r:::: ;..:-:::. :... .. .................. . 05116 3900 TOTAL FEFS Pna Twc oco?..., 05119 PURCHASE INTERESTCHARGE:-.::-:..m•:..R 05/19 PURCHASE INTEREST CHARGE 05119 BALANCE TRANSFER INTEREST CHARGE TOTAL INTEREST FOR THIS PERIOD ODOM, FM3333so. R uZ app v e tit beis Pap. I d Z I..,...,II.I.i...I1..1,I...il.ALd 191 109 5606 $5906 meet utw o,,a .p 0000010=599M 18 of 21 Slatemera Date. 0420/10 - 05/19110 Account Number: 4266 8411 7069 6361 Page 2 of 2 :+;+?;-f::ti:;ti';.'v,'tiati:%:v„?A.T:,.![:yM?1M`..? ..vx-^•.•?•'^?^::=:.X}:,vi,W,":.:?`,:•i: Taal tees charged n tot it E156 00 701181 imeresl charged in 2010 $22905 Year-110-dale brats retec l all charges mine any refunds apple0 to yolr account on or ether January 31, 2010. tNTERES CHARGES Your Annual Percentage Rate (APR) is the annual inlerast refs on your account. Annual Balance Percentage Ra*IAPR) Balance Sut9)ee1 To Interest Accrued Imereat TYF» 30 Days In Cycle IntereM Ray :hwg" Charges Purchases 8 241E (v) Purchases $150.51 $109 $000 27.24%(v) Cash Advances 1924%(v) $95.13 $0 00 $1.91 $0.00 Cash Advances 27.24%(Vl . $0.00 $0.00 00 $0 $0.00 Balance transfer 8 24% (v) $8,27S50 . $56 06 $0.00 $0 00 (v) - Venable Rate Please sea Inlormelion About Your Account section for the Cdaclslion of Balanw Subje0 b Interest Rate, Mrlusl Renewer Notice How 10 Avoid Interest on Purchases, and other Irryortant information, ss aWcabie 8468906 J( oo9 a nsalNe06 oW r 9 I9 I~9 Pp2s2 osme -Wm 13" 009)oe009p9ep2 20 of 21 CERTIFICATE OF SERVICE A true and correct copy of the within Motion for Summary Judgment and Brief in Support were served by U. S. Mail, postage prepaid, this day of, 011 upon the following: NANCY J BJURSTROM 15 ROOSEVELT ST ENOLA,PA 17025 By: Matthew D. Urban, Esquire PA I D# 90963 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A., Plaintiff, VS. NANCY J BJURSTROM, Defendant. Case No.: 10-6461 ORDER OF COURT AND NOW, to-wit, this day of , 2011, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $8585.67 with interest at the rate of 6.00% per annum from September 28, 2010, plus attorneys' fees of $300.00, and costs. BY THE COURT J. WWR# 8468906 O THE FILED-OFFICE ?y 2011 APR I I PM 12: 22 CUMBERLAND COUNT Y PEMNSNr?V IN THE COURT OF COMMON PLEAS OF CUMBERLA Y, PENNSYLVANIA CIVIL ACTION CIVIL DIVISION CHASE BANK USA, NA, NO. 10-6461 Plaintiff, vs. NANCY J BJURSTROM, Defendant. TYPE OF PLEADING: PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 W WR# 8468906 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CIVIL DIVISION CHASE BANK USA, NA, Plaintiff VS. NANCY J BJURSTROM, Defendant NO. 10-6461 PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to withdraw the Motion for Summary Judgment on the above referenced case number. WELTMAN, WEINBERG & REIS CO., L.P.A. By. -4d7 William T. Molczan,euire PA ID # 47437 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 W WR# 8468906 CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe to Withdraw Motion for Summary Judgment was served by U. S. Mail, postage prepaid, this ..0?%- day of, 2011 upon the following: Carole J. Robinson 43 Country View Est. Newville, PA 17241 By: William T. Molczan, uire PA ID # 47437 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: William T. Molczan I.D. No. 47437 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 8468906 Ml i MAY -9 PM 4- I CUMBERLA, N3 CUUN-j-:" PENNsy!-14 i"IA Attorney for Plaintiff(s) CHASE BANK USA, N.A. vs. NANCY J BJURSTROM Cumberland County Court of Common Pleas No.: 10-6461 PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. B Y William T. Molczan, E uire Attorney for Plaintiff 11111111111111111111111111111111 Hill 1111111111111111111111 IIII 111111 IIII