HomeMy WebLinkAbout10-6585r
FILED-OFFICE
OF THE PROTHONOTARY
2010 OCT 15 PM 2: 30
CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
VS.
DEFENDANT
CHRISTOPHER MUMMERT
P.O. BOX 557
208 RIDGE HILL ROAD
NEW CUMBERLAND, PA 17070-0557
COMPLAINT IN CIVIL ACTION
DOCKET NO.:
FILED ON BEHALF OF PLAINTIFF
ATTORNEY OF RECORD OF
THIS PARTY:
Robert M. Cohen, Esquire
PA I.D # 44551
Q-9 ?
$9.00
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517 NO.:
vs.
DEFENDANT
CHRISTOPHER MUMMERT
P.O. BOX 557
208 RIDGE HILL ROAD
NEW CUMBERLAND, PA 17070-0557
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 obligations 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.
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
717-240-6195
AMERICAN CREDIT & COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
PLAINTIFF
VS.
CHRISTOPHER MUMMERT
P.O. BOX 557
208 RIDGE HILL ROAD
NEW CUMBERLAND, PA 17070-0557
DEFENDANT
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL DIVISION
DOCKET NO.:
COMPLAINT
NOW COMES, the Plaintiff by and through its Attorney, Robert M. Cohen, Esquire and
hereby complains as follows:
1. The Plaintiff is AMERICAN CREDIT & COLLECTIONS, LLC, a Pennsylvania Limited
Liability Company with a mailing address located at P.O. Box 264, Taylor, Lackawanna County,
Pennsylvania and offices located at 921 Oak Street, Scranton, Lackawanna County,
Pennsylvania.
2. The Defendant is Christopher Mummert, an adult individual, who currently resides at
208 Ridge Hill Road, in New Cumberland, Cumberland County, Pennsylvania, 17070.
COUNTI-CONTRACT
3. Defendant applied for and received a credit card with CHASE, USA NA bearing the
account number (5401683042853959), on or about May 15, 2003.
4. Defendant made use of said credit card, thus accepting the offer of credit, and has a
current balance due of Twenty Seven Thousand Nine Hundred Thirty Seven Dollars and
Seventy Cents ($27,937.70) as October 14, 2010. See Cardmember Agreement, the writing
governing the terms of the extension of credit, attached as Exhibit "A" and monthly statements,
collectively attached as Exhibit "B".
5. Defendant is in default of aforesaid Agreement, as of January 20, 2008, by failing to
make required monthly payments when due. As such, the entire balance is immediately due and
payable to Plaintiff, pursuant to said agreement.
6. Plaintiff purchased the Defendant's debt on January 22, 2010. See Plaintiff's Bill of Sale
and Chain of title, collectively attached as Exhibit "C".
7. Plaintiff is entitled to the addition of interest pursuant to Exhibit "A", at the conservative
rate of 19.99% per annum on the unpaid balance as pre judgment interest from the date of
default of January 20, 2008, up to the date of judgment.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the balance due to Plaintiff, thus damaging Plaintiff.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Christopher Mummert, individually, in the amount
of $27,937.70, with continuing pre judgment interest thereon at the rate of 19.99% per annum
from October 14, 2010 up to date of judgment, plus subsequent 6% interest on the judgment
obtained, plus costs.
COUNT II - ACCOUNT STATED
9. Paragraphs 1-8 are incorporated herein.
10. Defendant received aforesaid monthly statements, and did not timely dispute the charges
therein.
11. Defendant made partial payments on the balances then due.
12. The account stated was impliedly accepted by Defendant.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Christopher Mummert, individually, in the amount
of $27,937.70, with continuing pre judgment interest thereon at the rate of 19.99% per annum
from October 14, 2010 up to date of judgment, plus subsequent 6% interest on the judgment
obtained, plus costs.
COUNT III - UNJUST ENRICHMENT
13. Paragraphs 1-12 are incorporated by reference.
14. Alternatively, monetary benefits, with which Defendant purchased goods and services,
have been conferred by Plaintiff on Defendant, as stated herein.
15. Defendant has appreciated said benefits, as stated herein.
16. The acceptance and retention of such benefits under these circumstances by Defendant
would be inequitable without the payment of value for same.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Christopher Mummert, individually, in the amount
of the reasonable value of benefits conferred, to be determined plus interest, plus costs.
Dated:
-&a k cov'--?
Robert M. Cohen, Esquire
PA I.D # 44551
P.O. Box 264
Taylor, PA 18517
(866) 760-6205 ext. 235
Attorney for Plaintiff
This law firm is a debt collector attempting to collect this debt for our client and any
information obtained will be used for that purpose.
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 4904
relating to unsworn falsification to authorities, that he is MICHAEL CONFLITTI, PRESIDENT
authorized agent of AMERICAN CREDIT & COLLECTIONS, LLC, Plaintiff herein that he is
duly authorized to make this verification, and that the facts set forth in the foregoing Complaint,
pursuant to Pa. R.C.P. 4009.12, are true and correct to the best of his knowledge, information
and belief.
Date: I D- - -b ' Jin?:J?
Michae Conflitti
President
Exhibit
'(fA»
CHASE MASTERGARDO and VISA CARDMEM13ER AGREEMENT
1(.`
GENEIRALTEgMS
1. Meaning of Words Used in This Agreement reemonr means this document and the
Pricing Schedule which appears on the roverse si of your card carrier containing yourcredit card,
as either may be amended from time to time.4n this Agreement
n 'you" or, rOur, mews means
each parson who applied for the visa w MasterCard- Account. "4Ve; 'Stse " or "ours Chase
Manhattan Bank USA, National Association. Authorized User" means any person to whom you
have given permission to use your Adz a rs. Aeeounr means Ole Visa or MasterCard Account for
which you were issued cards and checks imprinted with your Account Nurnber, "Card' means the
Visa or MasterCard card(s) issued in connection with your Account. 'Chede, means Chase
Convenience Checks. ATM' means Automated Teller Machine Chase chade, means a check
drawn on Chase Manhattan Bank USA, National Association or one of its of ilfates.'Sellef means
any merchant, Insurance company or its agent or broker. *SHEW means Shah Oil Company.
2. Services of This Account. This Account may be used for purchases from any Salter that
accepts the Card and for Advances.
3. To Use Your Card. You must sign the panel on ft back of your Card. Authorized Users of
any -additional Card(s) should sign their names on the panel on the back of those Cards. For
Purchases, you will have to sign a safes slip that has your name, the Sellers name, and your
Accxxrnt number on it, unless you let the Seller complete the sales slip for you.
4. Your Responsf6iotfes forThls Account. You beoorne responsible for Purchases when we
receive any type of notice that you or an Authorized User have used the Account. You are respon-
sible for all amounts owed on this Account. Authorized Users may be required to repay tics amount
owed for the charges they make.
5. Your Credit line. Your credit line is the most you may owe on your Account at any time.
You will be told the amount of your crack[ line. You may not use your Account in any way that
would cause you to go over your credit line. You may also be asked to immediately pay for any
amount over your credit One. We may change your creditfika or separate the amount of your credit
line into available credit for Purchases and Advances. If the credit line is changed or limited, you will
be ootBed.
6. Ovedimit Fee. It your Account balance (inducing any Fna6e Charges and any fees and
charges owed on your Account) is over your crock line at the end of a billing cycle, there will be an
Ovedimit Fee as disclosed in Box 10,This fee willbe imposed only once during the biting cycle, but
wig be krhposed in each billing cycle that you are over your credit line even if we authorize the trans-
action which causes your credit line to be exceeded.
7. Annual Fee, If there is an Annual Fee for the Account, you will be billed the Annual Fee dis-
closed in Box 7 whether or not you have used the Aocount O your Annual Fee has been waived, it
will be billed when the waiver period has ended, and will then continue to be billed on an annual
basis. The Annual Fee is non-refundable. f
a. Payments, If you have indcated'pald in full" or any similar wording or other endorsement on
your payment check, and the chock is accepted by us, you will sM be responsible for any balance
tat may remain on your Account In or $de discretion we will decide how to apply your payments.
Altho4 we post your payments as of the date we receive them, your Total Available Credit may O
be restored as of this date the funds are oolloc:led by us. In rare circumstances, restoring your Total
Available Credit may be further del d Pa
I. i r
SR
anltiunt. MasterCard International, Inc, or Visa international will use 010 conversion procedures
published from time to time to !Is members at the time that the transaction is processed. Currently,
the currency cOrwersion rate used to determine the transaction amount in U.S. dollars is either
(1) a wholesale market rate or (2) a govemrnent.mandated rate In effect on the day prior to the
processing dale, increased by one percent in each case, MasterCard International, Inc. or Visa
International, as appropriate, retains this one percent as compensation for performing the currency
conversion service. The currency conversion rate used on the processing date may a tw from nth
rate in effect on the transaction date or one posting data,
18. Authorization to provide Information, You authorize us to provide information in accor-
dance with applicable law on you and your Account to our aHtliates, and to non-Chase companies
whose name or mark may appear on the Cards, including information dial may be used to offer
insurance and investment productto you.
19. Dispulfng Account Information Reported to Credit Bureaus. We furnish information
about your Account to credit txreaus. You have the right to dispute the accuracy of the informaton
reported by writing to us at P.O. Boor 15023, Wtirhvngton, DE 19a.5a5823.
20. Changing the Terms of This Agreement We may change any of the toms d this
Agreement in accordance with the law. We will notify you by nW of any such ebtedness changes and as req any now
uired.
Atranrty changes to this Agreeement can apply to l outstanding unpaiddindsactions on your Adxro rn We may self or traalnekr your Account and
n any amounts awed on your
Account to another person at any time. If we do this Agreement will still be in effect and any
successor will have our rights in this Agreement to the extent assigned.
21. Shelf Credit Card. For Shell MasterCard accounts only, If you cumintly have a credit card from
Shelf. you authorize us to: (1) transfer the balance on your Shell account to this Account (2) bill the
total of any instalment payment purchases stiff owed on your Shelf account to this Account as a
Purchase; and (3) bill any Purchases made using your Shelf credit card which have not been
posted to dial account and brill them as Purchases to this Aaotrrnt
22. Default and Collection Costs. If you do not make a payment when it is due, or 9 you do
not follow the terms of this Agreement we may, as permitted by law: 1) cancel your credit privileges
and require you to pay the unpaid balance immediately: 2) require you to pay interest at the rate of
two percent (2%) a month on the unpaid balance when we doom your Account to be six or more
biting cycles past o astt any and 3) require you to pay reasonable attorneys fees and any court costs In
y amounts you owe under this Agreement.
23. Cancellation. We may dose your Account at arty time. You will be responsible for repaying
any purchases, Advances or other outstanding charges tat are still duo on your Account Your
Card Is issued as a way of letting you use your Account it may not be transferred, if we request tow
Card(s). you must return them. Any services not described in this Agreement that may be provided
corn lime to time in connection with the Account are not part of this Agreement and may be
changed or cancelled at any time without notice or refund.
24, Governing Law. This Agreement is governed by the laws of the United States and
the State of Delaware. Any dispute concerning any item In this Agreement will be resolved by
hoso laws.
a United States financial institution or One Uni rued States postal De in SUnited ervice. States Dollars and drawn on TERMS FOR BAL-ANCE TRANSFERS
9. Retuned Payment Fee. You wig a car Balance Transfers. From time to time, we may offer you special rates and forms for balance
payment instrument wen in ged the fee disclosed in Box 10 for each check or transfer transactions using special checks or other written request faros we provide or verbal
9 Payment which is returned to us or which we cannot process under requests for such transfers which we agree to honor (referred to as "BalanceTransfere for purposes
our normal operating procedures. of this Agreement). If we do, we will advise you of Oa
10. Minimum Payment You may pay either the Minimum Payment or any amount over that up aftt the balances to which will
apply, promotional s that [emu, how brig they Vial be in
to the New Balance. Your Mkrkrxrrn Payment must be made by the Payment Due Date shown on expire. If a s ? the and the rates that win apply after the special rates
your statement. Your Minimum Payment Is calculated special rate is variable, then the "Venable Rate" provisions of this Agreement (s of Ong
amounts ?? by falling the New Balance and deducting any the Priding Schedule) will apply. The "Preferred Customer Priding EAgibnity/' provisions of Unis
you have property notified us are in dispute (read notice 'in Case of Errors or Agreement will apply to any such offer. Such transactions will not be eligible for the grace period for
Inquiries About Your Bart and multiplying that amount by two percent (2%). If the resulting amount Purchases, except as otherwise stated in die torms of any Balance Transfer offer made to you.
is less than 510, it will be increased to $10. To this amount add any Past Due Amounts and, at our Unless we tell you otherwise at One time we make the oiler, any Balance Transfer transaction that
option, any amounts in excess of your credit line. The Minimum Payment will never be more than may be offered and accepted during a reduced rate period in connection with our approval of your
the New Balance. application and opening of your Account will be referred to as a 'Transferred Balance' and will have
11. Late Charge. There will be a late Charge in the amount disclosed in Box 10 if you do not no grace period. After Una reduced rate period, Transferred Balances and Purchases will be ooh.
make the M inimurn Payment by the end of the bang cycle. There will not be a late Charge if the fined and treated as Purchases for all purposes under this Agreement. At all other times, unless
arrnokrht due is under 32.00. we tell
12. if Your Cards or Checks are Lost or Stolen. If someone used your Card(s) or Checks will- and Advayou otherwise at the nce balances dal time
or after tee date rf? Baja ?hsfeerr tan apply only pos l to y for d to your
out you permission or if they are lost or stolen. ocntact us inrnedalely. You may pct or write, Can tot Account("Current Purchases' and 'Current Advances7. All other Purchases and Advances our
ties 1400? 8-9911 or for Shelf MasterCard Accounts call 1.80(1-993.8111 anytime from all 50 Purdases" and'Prior Advances") will be subjoct you accepted
states, Washington, D.C., Puerto Rlco, and the U S. Virgin Islands. Write to, PQ Bon 9072. New our oiler. When used ? for the same terms in cited when your adxdule),
Hyde Park. Now York 11040. You may be liable for the unauthorized use of your Cards in an Purchases and Advances anywther else in othis r Agreement (other than the Pricing A fter P or
amokxht not to exceed 350 in arty case where your () r Acvv mean an both Prior and Current Purchases and Advances, After Prior
us within twenty-four (24) hours.lbu will not be liable Card(s) ch are lost or unauthorized use H you fail contact ?? Purchases amrand Current s which Aocote are core. your statements will railed only Current then be
call the manner described immediately above within the twenty-bur (24) hour time tnit or beore the if a deck or other form oftraannsj? r will ? Purchases and Advances any amounts
unauthorized use occurs. for a Balance
r% Istm transaction is used ,pay any amounts
13.11 Your Card or Check Is Refused. We are not responsible You owe to any Chase Manhattan bank or company Is made payable to cash, is deceived by
r ie nor your a Card or Check. Although if available, Seller Bank or ATM
e unable fo refuses and osted 10
utho• does root transfer balances Account your One expiration date d yte your, w hs otherwise used in a rway ig tin
Yon ropy have credit we you owe to other creditors to your Account, we reserve Ono right to
particular ace due for operational difficulties.
reultilties refuse to honor that Balance Transfer transaction or to treat it as an an Add2nce.
Trnnsaetioxts made above ove a certain dollar amount may require ire authorization before the trans-
action is approved. The munber of transactions you make in one day may be limited by us. This is
done for security reasons, and as such, Ono details of haw the authorization system works are not TERMS FOR ADVANCES
listed in this Agreement. Neither we nor our agents wit bo res 1. Advances. An Advance e a cash loan You may take a es ar ce by 1
action is not given. If fhoxhside if authorization for aVans- These Checks may only be used the ) using your Checks.
Your Account is ovorlimit or delinquent, credit authorization for transactiom We win not ced those Chocks: 2) using any person( of s) our whose na ATM's: m 3) es are using g any AT a•pr AT M on whic One Checks.
may be ded'med. IY h may be
14 Mon finty Statements. Each rrhortth there is actihriy on your Accent, we will mail provided for your use by another fiancial institution or statement. you a Cash on^?^Y 4) using a Cash Advance slip.
15. Sales Slip or Duplicate Statement Fee, You will be charged the tee disclosed in Box 10 Cconnection Advance slips may obtained from any our trenches from any bank that accepts to these Card; using your overdraft privileges it you have
y obt n cash f s. If you have overdraft prin your
for each original or copied sales slip and duplicate statement your request The lee Is not owed if a o with a ??eng aceamt then
equest for such a document reveals a billing who or unauhorized use on Chaco checking aycount:6u ' You may attain cash for more than the balance in your
r the Fedora! Reserve Boards Regulation 7. your Account as defined using any other service that ) rosrsy y9 be connected to official chock
re may
your masted savtoings you or in checking response accounts. yak which request may
ice Acv an o
by by us, on
16. Billing Errors. If you have a dispute about your Account, notify us as soon as be offered ne C that heck allows you to take Advances fee this closed in Converierice
Please read the notice, 'in Case of Errors or Inquiries About Your Bir This notice explains you oc Declined Bald C Fee. You vii su darted the loo die processed m Box 10 for each
are om "r
legal rights about billing errors and defenses under Federal law and how your Check a Br wool Transfer the c issued which de , or be accessed because your6b.. count is delinquent
adjustment is mecca. we will coeds your Account. You must notify us. if any credit fine, or would be g such dnocc were processed, or you are over your
17. Currency Conversion. if you incur a charge in a foreign arreruy, the chargo will bo can. make Sfoyus Payment Fee. You will be k or charged the lee disclosed in Cox aka on each request you
carted by MasterCard International, Inc. or Visa international, as appropriate, into a U.S. dollar or" Payment on a Chhed or oOner bum of a
cancel f dYance we mmake on
sn holm
your 1.1 Of to
a sop payment request YOU must provide us with any Information we reasonably require in
001566
cv.:: • prcr'.Es your stop payment or cancetiation request. We co not have to honor any stop pay-
-: -n. ar a h::afiation roq•jest unless we have a reasonabie opporunity to act on it before the Check
or other `orm of Adv;5-i ah is paid or approved for payment We will not be Gable in any way for any
%:op payrnrvnt or cancollat on request that we honor or fail to honor if we used ordinary care.
4. Limits ca Advances. For Advances taken from an ATM, dnere is a fruit for each transaction
and a daily Emit that you may obtain.
5. Service Charge/Transaction Fee for Advances. For each Advance, except for Advances
made using your overdraft privileges, there will be a Transaction Fee as disclosed in Box 9. Any
rrWnvim and maxfrnum Transaction Fees are also disclosed in Box 9. The total arric9int of
Traruaclicn Fees will be shown in Via descriptive portion of your statement Transaction Fees are pan
of the Flinanoe Oharge. The addition of Transaction Foes may cause the Annual Percentage Rate on
Advances to exceed the nominal Annual Percentage Rate shown on your statement.
6. Our Responslbfiftles to Honor Checks. We may not accept your checks if. 1) By paying a
Chase check the overdraft %vA be toss than $10.00,,2) By paying a Check or Chase check you
world go over your credit line; 3) Your Check or psymnentchecc is postdated; 4) your Cards orChedcs
haw been reported lost or stolen; 5) YourAexxxnt has been cancelled or has expired. 9 a postdated
check is paid and as a result any other check Is returned or not paid, we are not responsible.Ykw may
not use a Check to pay any amount you owe under this Agreement.
TERMS FOR PURCHASES
This Agreement and the General Terms apply to Purchases.
You may use your Account to purchase or lease goods and services or for lodging services
when making guaranteed reservations or advance deposits.
TERMS FOR BALANCEiTRANSFE<RS, ADVANCES AND PURCHASES
t. Calculation of the Finance Charge for Balance Transfers, Advances and Purchases.
That portion of the Finance Charge which is determined by using the daily Pertocli Rate is calcu-
lated separately for BalanceTransfers, Advances and Purchases, but using the same method (gen-
erally known as the'average daily balance, Including new transardionernetfwd). Separate average
daily balances (which may be referred to as "Finance Charge Balances') are calculated for Balance
Transfers, Advances and Purchases, and each stud! balance is nwitiphed by the
applicable daily
Periodic Rate. Finance Charges accrue beginning on the date the transaction occurs or on the first
day"of the billing cycle R is received by us (Michever is later). The Finance Charge on Advances
taken with Checks. how+evor, is computed from the day It is added 5o your Account.
To determine the .dais balances, for each day in the billing cycle we take the beginning balance
to Balance Transfers, Advances and Purchases, add any new Balance Transfers, Advances,
Purchases or debits to the appropriate balance, and subtract any payments and credits from the
appropriate balance as of that day. For Shell MasterCard accounts only, we will not add to the daily
Purchase balance calculation described above any current SHELL gasoline transactions if in the
previous billing cycle you paid the amount shown in the box on the front of the statement entitled
'Shell Gasoline No Finance Charge Option' We then add all of the daily balances separately for
Balance Transfers, Advances and Purchases (excluding days which end with a credit balance), and
divids each sum by the number of days In the billing cycle. This gives us the average daily balance
for each. All tees charged 10 your Account are added to the appropriate purchase balance, except
for the Service Chargs?ransaction Fee for Advances which is added to the appropriate Advance
balance. Finance Charges are assessed on fees and accrued Friaince Charges (interest)-
Then we nufitply each average daily balance by the applicable daily Periodic Rate, and then by
Ina number of days In the Wring cycle, Tice dally Periodic Rate will equal 113651h of the Annual
Percentage Rate. The daily Periodic Hate and Annual Percentage Rate are disclosed in the appli-
cable portion of the Pricing Sdnedule, as may be amended from time to time. These FINANCE
CHARGES determined by Periodic Rate for Balance Transfers, Advances and Purchases are
added to the Service ChargaIrransacti n Fee for Advances (if any) to get the combined amount of
FINANCE CHARGE shown on your statement.
For Purchases only, there is a minimum FINANCE CHARGE of fifty cents ($.50) if a Penance
Charge for Purchases is imposed. There will not be a Finance Charge on Purchases if you pay at
least the 'New Balance shown on your monthly statement less any Advance balance by the
"Payment Due Dale'showm on the statement. (This is known as the "grace period:) You may avoid
a Finance Charge for Purchases for the first billing cycle in which they are posted to your Aooou nt
if that cycle began with a previous balance of zero or is reduced to zero during that cycle by pay-
ments or credits. There is no grace period for Transferred Balances (for new accounts only)
Balance Transfers (for existing accounts only) unless the terms of the Balance Transfer offer slat(
there will be a grace period, and for Advances.
2. Periodic Rate. The daily Periodic Rates applied to the Purchases and Advances average
daily balances and the owasponding ANNUAL PERCENTAGE RATES are in the Pridnf
Schedule. Where the Pricing Schedule includes "Variable Raii$ Index and Margin' information for i
particular rate that applies to your Account, that rate is a variable rate and the disclosures bolos
regarding variable rates apply for that rate. Where the Pricing Schedule does not Include suit
'Variable Rate Index and Margin" irnformalim for any particular rate (as Indicated by an "WA' to
'not applicable or the absence of such information ki the Pricing Schedule), that rare is fixed auk
the disclosures below regarding variable rates do not apply. Further for arty particular rate in Eric
Pricing Schedule that is preceded by the terms Trelerred'or "Non-Prelerred; that rate is subjec
to the "Preferred Customer Pricing EligitifiV section that appears below. When your Account sat
(sfies the "Preferred Customer Pricing' catditions, the `Prefered'rates apply; when It does not, tht
'Non-Preferred' rates apply.
3.Variable Rates, if the daily Periodic Rate and corresponding ANNUAL PERCENTAGE RATE
that apply to your Account are variable rates (see Pricing Schedule), they may increase or decrease
from one Willing cycle to another. These rates are based on the value of an index (the index') ic
which we add a margku.The Index and margin ate In the Pricing Scheduls.The index plus the mar•
gin determine the nomMal ANNUAL PERCENTAGE RATE.
If the Index is riot published on the relevant date, the Index we use In setting the daily Periodic
Rate for Purchases and/or Advances on your Account will be the Prime Rate pu bMed in The
New Irbric Timesor any other newspaper of national droulatfon selected by us. For purposes of this
Agreement, the Index Is merely a pricing index. It Is not, and should riot be considered by you tc
represent, the krwest or the best interest rate available to a borrower at any particular bank at any
given time.
The daily Periodic Rate for Purchases andfor Advances increases when the Index increases or,
the relevant date, and decreases when the Index decreases on the relevant date. An increase it
the rate may cause you to pay a largar Finance Charge and a higher minimum monthly payment.
A decrease in ft rate may cause you to pay a sma9w Finance Charge and a laver minimum
monthly payment. Any limit on the amount by which the daily Periodic Rafe and the corresponding
Annual Percentage Rate may change at any one time or over the fife of your Account is sal forth in
the Pricing Schedute.at the top oFiFtis Agreamont?lf no Emit appears for any particular rate, then
that rate has no limillby which 4 may charge.
4. Preferred Customer Pricing Eliglbllity. If "Prelered" and 'Non-Prekemed'rates appear in
the Pricing Schedule, INS section applies to your Account. Your Account will be reviewed every
month on your statement dosing date to determine your continued eligibility for Preferred Customer
Pricing. Your Account will retain Preferred Customer Pricing g, as of the review date, the following
conditions are met:
• you made at least the required minimum payments by their payment due dates in at least
5 of the last 6 months (nccludiing the current month); aod
• your Account was not closed by us because your credit Emit was exceeded by 50% or
more.
If you do not meet both of the mrndkiions above, then your Account wig lose its Preferred
Customer Pricing for a minimum of 6 mofts, Your Preferred Customer Priding will be reinstated
when we review your Account at the six month review date, or in subsequent monthly reviews, it
the following 3 conditions are met-
• your Account is open; and
• your credit Emit is not exceedad: and
• you made at least the required minimum payments by their payment due dales in each of
the last 6 months.
Thereafter, the morttnty reviews will continue In the same manner as described above. Any
changes in pklcing as a result of the monthly reviews will apply to existing as well as new balamos
and will be effective with the billing cycle ending on the review date.
Consumer Reports: We may obtain a consumer report on you at any lime In tho future to
review your Account.
FOR OHIO RESIDENTS. The Ohio laws against dfscrin ination require that all creditors make
credit equally available to all creditworthy customers and 11-M credit reporting agencies maintain
separate credit histories on each individual upon request. The Ohio civil rights cOrrrnission admin-
isters compliance with this law.
IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
Tins notice contains important information about your rights and our responsibilities under the
Fair Credo t3+'Ifrig Ad.
No* Us in Case of Errors or Questions AboutYour Bill
if you, think your bill is wrong, or if you need more information stout a transaction on your big,
write us on a separate Sheol at the address listed on your bill after the words Send inquiries
To.'. Write to us no later than 60 days alter we sent you the fast trill on which the error or prob-
lem appeared. You can telephone us, but doing so will not preserve your rights.
In your ielt% give us the following information;
• Your name and account number.
• The dollar amount of ft suspected error.
• Describe the error and explain, p you can, why you believe there is an error. If you need
more information, describe the item you are not sure about
It you have authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is wrong. To atop the
payment your War nest reach us lives business days before the automatic payment is
scheduled to occur.
YYour Rights and Our Responsibilities After We Receive Your Written Notice.
We must advvowtedge your letter within 30 days, unless we have corrected the error by then.
Widhin 90 days, we must either correct the error or explain why we believe the brig was correct.
After we recelve your letter, we cannot try to collect any amount you question, or report you as
delinquent. We can continue to big you for the amount you question, Including finance charges,
and we can apply any unpaid amount against your credit fine. You do not have to pay any
questioned amount Mile we are investigating, but you are slip obliged to pay the parts of your
bill fhal are not In question. It we And that we made a mistake on your bill, you will not have to
pay any finance charges related to any questioned amount. if we cidnl make a mistake you may
have to pay finance charges, and you will have to make up any missed payments on the
questioned amount. In either case, we will send you a statement of the amount you owe and the
date that k is due.
If you fat to pay the amount that we think you owe. we may repot you as delinquent. However.
9 our explanation does tat satisfy you and you write to us within ten days felling us that you still
refuse to pay, we must tell anyone we report you b that you haw a question about your b6. And,
we must top you the name of anyone we reported you to We must toll anyone we report you to
that the matter has been settled between us when d finally Is.
If we don't follow these rules, we can't copact the first $50 of tie questioned amount, oven If your
bill was correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services that you purchased with a credit
card. and you have tried in good UM to correct the problem with the merctwru, you may have
the right not to pay the remahli g amount due on the property or services. There are two
iamftadons on this right:
(a) `ibu must have made the purchase in your home state or, d not within your home state within
100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.
Those dmitalions do not apply 9 we own or operate tit rrlerchhant, or if we mailed you the
advertisement for the properly or services.
sn I10-97)
001567
Exhibit
« B 11
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$5,285.47 04120/07 $0.00 $167.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900016700005285470000003
54662 BEX Z 08507 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
CHASE O
Irrrlllrlrrlrrl.I.,Irrll,r,Irlrrrrllrl,Irrrllrrlrlrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Irrrlllrrrlllr,rrlr6ll,rrrrrlllrrrldrrlrllrrllrrrLrhr,rlll
I: 5000 L60 28ll: 209304 2853959911•
Opening/Closing Date: 02/27/07 - 03/26/07 CUSTOMER SERVICE
CHASE Payment Due Date: 04/20/07 In U.S. 1-800-945-2000
Minimum Payment Due: $167.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959
Previous Balance
$4,571.78 Total Credit Line ACCOUNT INQUIRIES
$15,200 P
O
Box 15298
Payment, Credits -$109.00 Available Credit .
.
$9,914 Wilmington
DE 19850-5298
Purchases, Cash, Debits +$707.87 Cash Access Line ,
$6,080
Finance Charges +$114.82 Available for Cash $6,079 PAYMENT ADDRESS
New Balance $5,285.47 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
& Item was transferred from lost / stolen account.
TRANSACTIONS
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V.08011% 29.24% $5,117.41 $114.79 $0.00 $0.00 $114.79
Cash advances V.08011% 29.24% $0.94 $0.03 $0.00 $0.00 $0.03
Total finance charges
$114.82
Effective Annual Percentage Rate (APR): 29.24%,
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 10 000 N Z 26 07103126 Page 1 of4 05686 MA MA 54662 08510000100005466201
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------
City: ---------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ---------------
7
Inbnnalion About Your Account
Lost or Solen Cards: Please report your lost or stolen card immediately by calling the
Customer Service number found on the front of your statement. Advisors are affrays
avoids his to assist you. You can reach an Advisor by pressing 0 after you enter your account
number
Crediting of Payrnelds: For payments by regular U.S. mail, send at least your minimum
payment due to our post odic box designated for payments shown an this statement. Your
payments by mail must comply with the instructions on this statement, and must be made
by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S.
financial institution or the U. S, branch of a foreign financia l institution. Do not send cash.
Write your account number on your check or money order. Payments must be accompanied
by the payment coupon in the envelope provided with our address visible through the
envelope widow the envelope cannot contain mote than ore payment or coupon: and there
can be no staples, paper clips. tape or correspondence included with your payment. kit your
payment is in accordance with our payment instructions and is made available to us on any
day except December 25 by 1:00 p.m. local time at our post office box designated for
payments on this statement, we mill credit the payment to your account a of that day. If
your payment is in accordance with our payment instructions. but is made available to us
after 1.4 p.m. local tna at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our payment
instructions or it your payment lei not send by regular U.S. mail to our post office box
designated for payrrm s. crediting of your payment may be delayed for up to 5 days.
Payments made electronically through our automated telephone service, Customer Service
advsom, or our web site will be subject to any processing times diulosed for those
payments.
Account IreortnNfca Refunded In Credit Bureaus: We may report information about your
account to credit bureaus. Late payments, missed payments or other defaults on your
account may be reflected in your crude report. 11 you think we have reported inaccurate
inlarmation to a credit bureau, you may write to us at the Cardmember Service address
listed an your billing statement.
Notice About Electronic; Check Conversion: When you provide a check as payment. you
authorae us either to use information from your check to make a one-time electronic fund
transfer from your account or to process the payment as a check transaction. When we use
intimation from your check to make an electronic land transfer, funds may be withdrawn
from your account as soon as the same day we receive your payment, and you will not
receive your check back from your financial Imbibition. Call the customer service number on
this statement 9 you he" questions about electrame check collection or do not ward your
payments collected electronically
Conditional Payments: Any payment check or other form of payment the t you send us for
less than the full balance due that is marked "paid in full" or cantons a similar notation, or
that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card
Services. PD, Oar 15009. Wilmington. DE 19850-5049. We reserve al our rights regarding
the. payments (c g., B it is determined there is no valid dispute or if any such check is
received at any other address, we may accept the check and you will still awe any remaining
balance). We may refuse to accept any such payment by returning it to you. not cashing d
or destroying ft. All other payments that you make should be sent to the appropriate
payment address.
Annual Renewal Notice: If your account has an annual fee. it will be billed each year or in
mouthy it ,Ullments, whether or not you use your aceoum, and you agree to pay it when
billed The annual fee is non-rdundable unless you notity us that you wish to your
account within 30 days of the date we mail your statement on which the annual fee is
charged and at the same tine. you pay your outstanding balance in full. Your payment of the
annual fee does not affect our rights to close your accwrd and to limit your right to make
transactions on your account. It your account is closed byou or us. we will continue to
charge the annual fee until you pay your outstanding bare nce in full and terminate your
account relationship.
Explaaalon of Finance Charges: We calculate periodic finance charges, using the
applicable periodic rates shown on thin statement, separately for each feature (e.g.. balance
transfer/corwenience checks and ash advance =check transaction"), purchases,
balance transfers, cash advances. promotional balances or overdraft advances). Please
consul your Cardmember Agreement for the features that are applicable to your card. These
calculations may combine different categories with the same daily periods rates. If there is
a "V" next to a periodic rate on this statement. that rate may wry, and the index and margin
used to determine that rate and its corresponding APR are described in your Cardmember
Agreement, as amended. There is a minimum finance charge in any billing cycle in which
you owe arly periodic finance charges, and a transaction finance charge for each balance
transfer, ash advance, or check transaction, in the amounts stated in your Cardmember
Agreement, as amended.
To get the daily balance for each day of the current billing cycle. we take the beginning
balance for each feature. add any new transactions or other debits (including fees. unpaid
finance charges and other charres), subtract any payments or credds. and make other
adjustments Transactions are added as of the transaction date, the beginning of the billing
cycle in which they an pasted to your account. or a later date of our choice (except that
check transactions am added as of the date deposited by the payee or a later date of our
choice). fees are added either on the date of a related tmnsecbon, the date thev are posted
is no grace period for balance transfers. cash advances, check transectiam, or overdraft
advances. In addition. if there is a "Qualifying Promotional Financing" section on this
statement you will not new periodic finance charges on any Remaining Balance that
appears in that section y you pay that balance in full by the applicable Expiration Date. To
avoid finance charges on new purchases when your New Balance includes any Remaining
Balance(s) in the Qualifying Promotional Financing section myyour full New Balance minus
the total of those Remaining Balance(s) by the date and time your payment s due. However.
I your statement shows that a minimum payment is due, we must receive at least that
minimum payment by the date and time specified on your statement, even if your New
Balance coreisls only of Qualifying Promotional Financing balsams.
For "deferred interest" Qualifying Promotional Financing, periodic finance charges accrue
during the promotional period but are not added to your account balance. Instead, they
accumulate from biing cycle to oiling cycle. If a deferred interest Qualifyup Promotional
Financing balance is not paid in full by the applicable Expiration Date, me deferred finance
charges wil be added to your account as soon as the first day after the Expiation Date.
Further, B you default under the tams of your Candmember Agreement. the deterred finance
charges wit be added to your account as soon as the date of default.
For 'fixed payment' Quakif ng Promotional Financing that pemlls you to pay for a purchase
in a designated number of payments, you will not hate a grace period for that balance as
each payment includes a portion of the interest owed over the repayment term fa that
purchase. However, you wil have a grace purred on other new purchases as described
above.
BILLING RIGHTS SUMMARY
In Cane d Errors or Quandleas Aboul Your Bill: If you think your tit is wrong. or B you need
more information about a transaction on your hil, write Cardmember Service on a separate
sheet at P0. Box 15299 Wilmington. DE 19650-5299 as soon as possible. We must hear
from you w later than 60 days after we sere you the first bil on which the error or problem
appeared. You an telephone us, but doing so will not preserve your rights. In your letter,
give us the following information.
-Your name and account number
• The dollar amount of the suspected error
• Oescribe the error and explain, l you can, why you believe there is an error. If you need
more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating. but you are still
obligated to pay the parts of your bill that are not in question. While we investigate your
question, we cannot report you as delinquent or take action to collect the amount you
question. If you have authanced us to pay your credit and bill automatically tram your
savings or checking account, you can sop the in item on any amountyou think is wrong.
To stop the payment, your letter or call (usingthe Grdmember Service address or telephone
number shown on this statement) must reach us at least three business days before the
automatic payment is scheduled to occur.
Suicidal Role or Credit Card Purchases: If you have a problem with the quality of goods or
services that you purchased with a credit card (excluding purchases made with a check).
and you have toed in good faith to correct the problem with the merchant, you may not have
to pay the =amount due on the goods or services. You have this protection only
when the purchase price was more than $50 and the purchase was made in your home state
or within 1 DO miles of your mailing address. These lineations do not apply 9 we own or
operate the merchant, or if we mailed you the advertisement for the property or services.
beginning balance nor me next day. (11 more Iran am dally periodic rate coup apply based
on the avenge daily balance, we will use the daily pedodic rate that applies for the average
daily balance aneunt at the end of the billing cycle to calculate the daily periodic finance
charge each day) it this statement shows a previous cycle avenge daily balance for
purchases. we do the same thing for each day of the previous cycle to get the daily balance
of purchases fa the previous billing cycle. However, the daiN balance for previous billing
cycle purchases is considered to be zero tar each day of the previous billing cycle N a
periodic finance charge was already billed on purchases lemaed on your previous
statement or we received payment of your New Balance on your previous statement in full
by the date and time your payment was due.
To get your total periodic finance charge for a billing cycle when a daily periodic rote(s)
apples, we add all of the daily periodic finance charges for all features. To determine an
average daily balance, we add your daily balances and divide by the number of the days in
the applicable billing cycle(s). If you multiply the average daily balance for each feature by
the applicable daily periodic rate, and then nullipy each of these results by the number at
days in the applicable baling cycle(s). and then add all of the results together, the total will
also equal the periodic finance charges for the billing cycle, except for minor variations due
to rounding . To get your total periodic finance charge for a billing cycle when a mouthy
periodic rate(s) applies, multiply, the average daily balance for each feature by the applicable
mouthy periodic rate and add the results together. The total will equal the periodic finance
charges for the billing cycle, except for minor variations due to rounding.
Grace Period (al least 20 dap): We accrue Derlode finance charges on a transaction, tee,
or finance charge from the date 4 is added to your daily balance until payment in toll is
received on Vow account. However, we do not charge periodic finance charges on new,
purchases billed during a billing cycle if we receive both payment of your New Balance on
your current statement by the date and time your payment is due ant also payment of your
New Balance on your previous statement by the date and time your payment was due. There
MA0803D6
Opening/Closing Date: 02/27/07 - 03/26/07
Account Number: 5401 6830 4285 3959
Page 2 of 4
IMPORTANT NEWS
NOTICE: We are replacing the Two-Cycle Average Daily Balance
Method (compute interest on previous and current cycle
purchase balances) with the Average Daily Balance including
new purchases Method (purchases daily balance times
purchases daily rate each day only in the current cycle).
Selections are approved and ready to ship! As a Chase
Cardmember, you can select high-quality merchandise not
available to the general public. Brands such as Lenox, Gund
and many more! Just go to www.rewardcenter.com and type in
certificate number 169243 and make your selections now!
Why pay a higher rate with other cards, when you may be
able to consolidate your balances and save on interest at
the same time? Please call the Balance Transfer Hotline at
1-800-945-2014 to see if you qualify today!
Pay your taxes the fast and easy way.
Just use your Chase card to pay for federal taxes at
www.chasepayyourtaxes.com.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 10 000 N Z 26 07/03126 Page 2 of 4 05686 MAMA 54662 08510000100005466202
Use these Balance Transfer checks to take
Use the endosed advantage of this super-low rate today.
0 • Save by transferring balances from higher-APR accounts.
0 • Write a check to yoursel,
• Go on a welltleserved vacation.
• Make home improvements.
These checks are ready to go. You can write them for any amount up to
the unused portion of your credit line. Don't miss out- great rates like
7099 this don't come around every day.
fixed APR limited duration checks. -(1,W1, mU" post to you account byte post/void doe an the dock(s).
See "Impodmt Infotmalion" section below for more details.
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CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
DATE
7842
099
56-1551/441
PAY ToTliF
ORDER OP
Void Void Void Void Void.
TINSIXX'IIMI!N'I'CONTAINS AN AIR 1II1CIAI. WA'IIRMARK. ANSE CI:0I'IIIISF'IiA'1'r1REWILLINDICAI'FACOPY
Payablethrough.
First USA Management Services, Inc., Delaware, OH 43015
MI.Mo
If:0L.41155 i i1:b3 L30L. 2853959511.784 2
Mast post to your account by the posting datdvoid date of 062412007 to get the APR stated in your offer
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
DATE
7843
999
56-1551/441
PAY To Tnr.
ORDER CI'
Void Void Void Void Voidn.
TIus IXWIIMRNI' CON"PAINSAN AR'IVAC'IAL WA 'I ERMARK. ARSE CEOF'I'111SIT IOREWII.I.INIIICAIFACOPY
Payable through'.
First USA Management Services, Inc., Delaware, OH 43015
Mv0
SIONATIIRI.
it:044 L 15 5 1 1a:4 3 1304 28 5 39 59 511. 784 3
•1MPORTANT INFORMATION:
The use of the attached check or draft will constitute a charge agairst your credit account.
Promotional APR: Your promotional 7.998: APR will appM only to the enclosed check(s) and will remain in effect until the first day of your billingg cycle that includes October
1, 2007. for any APR in this offer that ends after a IimdeQdduration, the APR on those transactions will adjust to the standard or detau APR applicable to that transaction as
determined by your Cardmember Agreement.
Other APRs: The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your Cardmember Agreement,
Troltaac,,on Fee Fimrtee Char,es: A fee of 3% (minimum $5; maximum $99) apdies to the amount of each transaction from this offer
Right to Declirlx If checks are part of the offer, checks that post after the void date disclosed or that are made payable, to us or one at our related banks car companies will
he declined. Under certain croumstance s (fa example, if your account Is past due or over limb, or if we reasonaby belsve that you will be unable Or, nwilling to repay the
balance or as described in your Cardmember Agreement), we may decline topracess your transaction, in which case you wIN be netifred.
Payment Allolxlion: Nk may albcate?yments to balances wfth low APAs (Inducing balances with introductory and promotonal Apli befct applying paymems to high.
r
APRR balances. This means that taxer PPRR balarums are paid before h gher AR balances.
Offer But Dele: To take advantage o f an imrodudory or promotional rate for any promotional iod
per stated in this offer If applicable), the transactions from this offer must
post to your I. of by the posting date d stdosed In this otter and your account must not be in dehutt. Transactions that post after the posting date or if your account 6 in
default will be charged the applicable non.promotional terms (tor example, APR and transaction fee) stated in your Cardmi mbar Agreement or any subsequent change io
terms, or will be declined.
Default: Any introductory, promotional, or standard APRs are contingent on your complying with the terms of your account. For example, if your payment on any account or
an to us or any of our re lated banks or companies is not received by the date and time your p mem is due; d your account is overlimft; or if a payment to us s not
Hono if by your bank the introductay, ppmmotlonal, or standard APRR offers may end and the As on all balances and new transactions on your account will adjust to the
appI cable rate and become effective as determllled by your Cardmember Agreemem and any subsequent notices of changes to your account terms.
Grace Period: A grace period will not apply to transactors from this offer.
Tro-C1rde Billirg AceoN obi If your accoum has two'cyde billing, in the first cycle (the "Current Cycle") you carry a Purchase balance from the previous cycle, the APR
app)' to such carried balance coil he the Current Cycle's APR for Purchases.
Carlrneniber A?roeMem: Pot further details about terms or conditions on your account, lease refer to your Cardmember Agreement.
Other Items: Any special benefits of this after apply to transactions from this offer only. IPyou pay any disputed amounts you may lose your right to dispute them. This offer
is not valid it your account has been converted to any other product type, such as to or from a "co brand" or other "rewards" account. It applicable, only checks that we
slue for your account are valid. Ofher offers may supersede this offer.
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Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$9,584.07 05/21/07 $0.00 $264.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
CHASE O
Tax time is here. Make your
federal tax payment with your
Chase credit card at
www.chasepayyourtaxes.com
540168304285395900026400009584070000003
59649 BEx Z 11607 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
Irr9111111,Irr1919919r11r991rlrrrrll91119991199191.rr119911r91
1rrr11199911L9rrIrI,IIr99rrJIIr9919LJ,ll.rll9rrl99l,rrrlll
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
':S000160281: 2093042853959911•
Opening/Closing Date: 0127107 - 0412107 CUSTOMER SERVICE
Pament Due Date:
CHASE O 05/21/07
In U.S. 1-800-
45-2000
inimum Payment Due:
M
4
$264.00
Espanol 1-886-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959
ACCOUNT INQUIRIES
Previous Balance $5,285.47 Total Credit Line $15,200 P .O. Box 15298.
Payment, Credits -$167.00 Available Credit $5,615 Wilmington, DE 19850-5298
Purchases, Cash, Debits +$4,286.58 Cash Access Line $6,080
Finance Charges +$179.02 Available for Cash $5,615 PAYMENT ADDRESS
New Balance $9,584.07 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/crediteards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
9.52
This Statement is a Facsimile - Not an original
X 0000002 FIS33335 D 7 000 N Z 26 07/04126 Page 1 of 4 05686 MA MA 59649 11610000070005964901
04/17 55446417108200107120775 WINE 8 SPIRITS 2107 CAMP HILL PA 14.09
04/17 55480517108185101562177 OPAY WEST SHORE TAX BU 8004874567 CA 5.42
04117 55480517108185101561732 WEST SHORE TAX BUREAU 8004874567 PA 180.51
04/18 55541867109004129089581 GIANT FOOD STORES #5 MECHANICSBURG PA 52.20
04/21 11121112738916926000001 PAYMENT - THANK YOU 167.00
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ------------
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minim um payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
_ our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. It your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If yo ur payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local tim a at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our wcb site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
accountas soon as the same daywe receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is dosed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement. separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check trarsaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle. except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statemant shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deterred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Emors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O, Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information,
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check). and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Opening/Closing Date: 03/27/07 - 04/26/07
Account Number: 5401 6830 4285 3959
Page 2 of 4
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V.08011% 29.24% $6,655.19 $165.28 $0.00 $0.00 $165.28
Cash advances V.08011% 29.24% $150.28 $3.74 $10.00 $0.00 $13.74
Total finance charges
$179.02
Effective Annual Percentage Rate (APR): 31.30%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
You've been issued a VIP Thank You valued up to $100 as a
special savings opportunity from Gift Services, Inc., which
is not a Chase affiliate. Log on by 6/15/07 to get jewelry
from the Madison Collection at low cardmember rate.
Visit www.giftcard100.com/jewelry and use code: 31620
Show Mom why she's the best! Send her unforgettable gifts
from 1-800-FLOWERS.Com! Get 15% off fresh, beautiful
flowers, gorgeous plants, gourmet gift baskets, delicious
treats and more when you use promotion code 66CHASE.
For details, please visit www.1800FLOWERS.COM/DISCLAIMER
Family 4 Pack: 4 Tickets to Six Flags for just 99 Dollars!
Now through June 30, 2007, purchase 4 general admission
tickets online to any Six Flags Theme Park and pay just 99
Dollars. Log on to your account at Chase.com to take
advantage of this exclusive offer.
Whether you intend to stay in your home or buy a new home,
we offer a variety of mortgage products to meet your needs.
Call 1-866-836-8335 or visit www.chase.com/chasehomeloan
for details. Loans are subject to credit and property
approval. Certain restrictions and limitations may apply.
Selections are approved and ready to ship! As a Chase
Cardmember, you can select high-quality merchandise not
available to the general public. Brands such as Lenox, Gund
and many more! Just go to www.rewardcenter.com and type in
certificate number 169243 and make your selections now!
Pay your taxes the fast and easy way.
Just use your Chase card to pay for
federal taxes at
www.chasepayyourtaxes.com
This Statement is a Facsimile - Not an original
X 0000002 F1833335 D 7 000 N Z 26 07/04126 Page 2 of 4 05686 MA MA 59649 11610000070005964902
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Use these Balance Transfer checks to take
advantage of these super-low rates today.
• Save by transferring balances from higher-APR accounts.
• Write a check to yourself.
• Go on a well-deserved vacation.
• Make home improvements.
These checks are ready to go. You can write them for any amount up to
the unused portion of your credit line. Don't miss out- great rates like
this don't come around every day.
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Statement for account number: 5401 6630 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$11,075.14 06/20/07 $0.00 $360.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900036000011075140000000
M410 BEXZ 14607D Inrl l l rlulnlllnl rr 11 1. 1l 1 l 1.. oil 11 r6r. l6rL IruILrIL11
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD CARDMEMBER SERVICE
MECHANICSBURG PA 17050-1746 PO BOX 15153
WILMINGTON DE 19886-5153
Irr?IIIr1rIllrrr?Llrll,rr...IllrrdrL.1111.,IIrr?IrrLl?rlll
1:S000160281: 209 30 4 28 5 39 599ii¦
Opening/Closing Date: 04/27/07 - 05/26/07 CUSTOMER SERVICE
CHASE O Payment Due Date: 06/20/07 In U.S. 1-800-945-2000
Minimum Payment Due: $360.00 Espa Aol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number. 5407 6830 4285 3959
Previous Balance
$9,584.07 Total Credit Line ACCOUNT INQUIRIES
$15,200 P
Box 15298
O
Payment, Credits -$272.36 Available Credit .
.
$4,124 Wilmington
DE 19850-5298
Purchases, Cash, Debits +$1,504.01 Cash Access Line ,
$6,080
Finance Charges +$259.42 Available for Cash $4,124 PAYMENT ADDRESS
New Balance $11,075.14 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
TRANSACTIONS
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 8 000 N Z 26 07/05/26 Page 1 of 2 05686 MAMA 56410 14510000080005641001
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Address Change Request
Please provide information below only if the address information on front is incorrect.
s
Street Address: -----------_
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address. ----_---__
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for paym ants on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 100 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice Above Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or Lis,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship,
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers.. cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V' next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended, There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as am ended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, vie add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daity balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section. pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due, However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Evora or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the errorand explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) in ust reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Opening/Closing Date: 04/27/07 - 05126/07
Account Number: 5401 6830 4285 3959
Page 2 of 2
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08011% 29.24% $10,081.58 $242.29 $0.00 $0.00 $242.29
Cash advances V.08011% 29.24%, $296.39 $7.13 $10.00 $0.00 $17.13
Total finance charges $259.42
Effective Annual Percentage Rate (APR): 29.95%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Enjoy low web rates, special offers and a discount too when
you identify yourself as a Chase Cardmember by using
this code: CDP# 374210 at hertz.com.
Save on appliances, MP3 Players, toys, and more at Shoppers
Advantage. Earn cash-back rewards on eligible purchases in
addition to the low prices. Get details at www. Shoppers
Advantage.com/Chase, where you'll be identified as a Chase
Cardmember eligible for this special Trilegiant offer.
Whether you intend to stay in your home or buy a new home,
we offer a variety of mortgage products to meet your needs.
Call 1-866-836-8335 or visit www.chase.com/chasehomeloan for
details. Loans are subject to credit and property approval.
Certain other restrictions and limitations may apply.
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 8 000 N Z 26 07/05/26 Page 2 of 2 05686 MAMA 56410 14510000080005641002
Statement for account number: 5401 6930 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$12,698.79 07121107 $0.00 $427.00
Make your check payable to Chase Card Services.
Amount Enclosed $ _ New address or e-mail? Pdnt on back.
540168304285395900042700012698790000003
43914 BEX Z 17707 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
CHASE O
1.11111r11rlrrlrllrlrrllrrll?lrrrrllllrlrrrllrr111?rrllrrllrll
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
111r111,..III,1rr111,111111rrIllrrrLLJrI Irr1111rL11rrrJll
I: 5000 160 281: 209 301.28 5 39 59911'
Opening/Closing Date: 051107 -06/26107 CUSTOMER SERVICE
CHASE O Payment Due Date: 07121/07 In U.S. 1-800-945-2000
Minimum Payment Due: $427.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4285 3959 1-302-594-8200
Previous Balance $11,075.14
Total Credit Line ACCOUNT INQUIRIES
$15
200
Payment, Credits
-$370.35 Available Credit ,
P .O. Box 15298
$2
501
Purchases, Cash, Debits
+$1,693.07 Cash Access Line ,
Wilmington, DE 19850-5298
$6,080
Finance Charges +$300.93 Available for Cash $2,501 PAYMENT ADDRESS
New Balance $12,698.79 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 6 000 N Z 26 07/06/26 Page 1 of 2 05686 MA MA 43914 17710000060004391401
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: -------
City: -------
State: --
Zip: ----- --
Home Phone: --- ---
Work Phone: --- ---
E-mail Address: -------
L
Information About Your Acuoant
Lost or Stolen Carus: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
m ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If yo ur payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local threat our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service.. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bereave: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize as either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back frum your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional PaymarGs: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O, Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on youraccount. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. It there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average dairy balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle it we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" $action on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Baance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your CardmemberAgreement. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Cast of Effort or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so vall not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) in ust reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Opening/Closing Date: 05127/07 - 06/26/07
Account Number: 5401 6830 4285 3959
Page 2 of 2
s
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
06/24 25247807176012243530327 CINEMA CENTER AT CAMP CAMP HILL PA 12.00
06/24 55541867176010181613737 THE HOME DEPOT 4120 MECHANICSBURG PA 14.30
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08011% 29.24% $11,593.61 $287.92 $0.00 $0.00 $287.92
Cash advances V.08011% 29.24% $523.67 $13.01 $0.00 $0.00 $13.01
Total finance charges $300.93
Effective Annual Percentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
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Visit www.vonage.com/hearl0. Vonage 911 operates differently
-See www.vonage.com/911. Additional fees & restrictions
apply. By responding I confirm that I am a Chase customer.
Save on everything for your home: shopping, repairs,
renovation, & more. Learn more at
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cardmember entitled to this great Trilegiant offer-which
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This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 6 000 N Z 26 07/06/26 Page 2 of 2 05686 MAMA 43914 17710000060004391402
Statement for account number: 5401 6830 4285 3959
r New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$14,082.81 08/20/07 $427.00 $934.00
Make your cheek payable to Chase Card Services.
? Amount Enclosed Now
$ New address or e-mail? Print on bade.
540168304285395900093400014082810000008
39000 BEx Z 20707 D l 111111111111111111111111 I I I I I r i l 1l l l l l l l l l l l l 1111111111111111
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD CARDMEMBER SERVICE
MECHANICSBURG PA 17050-1746 PO BOX 15153
WILMINGTON DE 19886-5153
lurlllurllluulrlrllnunlllrulrlul?llullwlulnulll
45000 L60 281: 209304 2853959911•
Opening/Closing Date: 061717 - 0126107 CUSTOMER SERVICE
CHASE Payment Due Date: 08/20107 In U.S. 1-800-945-2000
Minimum Payment Due: $934.00 Espahol 1-888-446-3308
TDD 1-800-955.8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
ACCOUNT INQUIRIES
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4285 3959 P.O. Box 15298
Previous Balance $12,698.79 Total Credit Line $14,400 Wilmington, DE 19850-5298
Purchases, Cash, Debits +$1,056.39 Available Credit $317 PAYMENT ADDRESS
Finance Charges +$327.63 Cash Access Line $5,760 P.O. Box 15153
New Balance $14,082.81 Available for Cash $0 Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditr-ards
TRANSACTIONS
This Statement is a Facsimile - Not an original
X0000001 PS33335 D 10 000 N Z 26 07/07/26 Page 1 of 2 05686 MA MA 39000 20710000100003900001
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -----------_
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment dui to our post office box designated for payments
shown on this stetement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a US. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window; the envelope cannot
contain more than one payment or coupon; and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments an this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 198503049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rateand its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number ?f days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, it your statem ant shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest:" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement. the deferred finance charges will be added
to your account as soon as the date of default
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong. or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us. but doing so will not preserve your rights.
In your letter, give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services, You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Opening/Closing Date: 06/27107 - 07/26107
Account Number. 5401 6830 4285 3959
Page 2 of 2
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08011% 29.24% $13,101.61 $314.87 $0.00 $0.00 $314.87
Cash advances V.08011% 29.24% $530.57 $12.76 $0.00 $0.00 $12.76
Total finance charges
$327.63
Effective Annual Parcentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 10 000 N Z 26 07/07126 Page 2 of 2 05686 MA MA 39000 20710000100003900002
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$13,495.28 09120/07 $0.00 $481.00
Amount Enclosed Make your check payable to Chase Card Services.
$ New address or e-mail? Print on back.
CHASE O
I want to purchase optional
Payment Protector Plan'.
I have read the enclosed offer
and may cancel any time.
colas Date
540168304285395900048100013495285452421
35607 SEX Z 23807 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
Irrrlllrlrllrrlrl,rlrrllrrrlrlrrlrllrlrlll,Ilrrlrl.rill.rllrrl
IurIII u.III .... 1.1.11......llLrdrlrrl,Ilrrll... l,rln-4111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 i60 281: 209304 2853959 911'
Opening/Closing Date: 07/27107 - 08/26/07 CUSTOMER SERVICE
CHASE Payment Due Date: 09/20/07 In U.S. 1-800-945-2000
Minimum Payment Due: $481.00 Espafiol 1-888-446-3308
TOO 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959 1-302-594-8200
Previous Balance $14,082.81 Total Credit Line 400 ACCOUNT INQUIRIES
$14
Payment, Credits
-$934.00 Available Credit ,
Box 15298
$904
Finance Charges +$346.47 Cash Access Line Wilmington, , DE
DE 19850-5298
$5,760
New Balance $13,495.28 Available for Cash $904 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. com/creditcards
TRANSACTIONS
Trans
Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
08/17 12292292743068587600002 PAYMENT -THANK YOU 934.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08011% 29.24% $13,407.30 $332.96 $0.00 $0.00 $332.96
Cash advances V.08011% 29.24% $543.64 $13.51 $0.00 $0.00 $13.51
Total finance charges
$346.47
Effective Annual Percentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
You've been issued 8,000 Instant Tokens as a special Thank
You from Gift Services, Inc. which is not a Chase affiliate.
Simply identify yourself as a Chase Cardmember by using your
tokens towards gift items, jewelry and much more. But hurry!
Use your Tokens at www.mybonuscenter.com by 10/15/07
Protect your credit card with ID Secure monitoring.
Try it now at www.idsecure.com/chasesite, and you'll be
identified as a Chase rardmember entitled to this Trilegiant
offer, which includes up to $20 cash back for dining!
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 00000C1 FIS33335 D 10 000 N Z 26 07108126 Page 1 of 1 05686 MA MA 35607 23810000100003560701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------------_
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ------------
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement, Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
'aaaaan must be accompanied by the payment coupon in the envelope provided with
= our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon; and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If yo ur payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.0. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it, All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us.
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks I' check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates, If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges forall
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together. the
total will also equal the periodic finance charges for the billing cycle. except
for m inor vadations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 28 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualiying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minim um payment
is due, we in oat receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance Is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Cast of Erras or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information,
-Your name and account number
- The dollar amount of the suspected error
- Describe the errorand explain, if you can, why you believe there is &. error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
+ Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$14,008.82 10/21/07 $0.00 $472.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail? Print on back.
1 want to purchase optional
Payment Protector Plan'.
I have read the enclosed offer
and may cancel any time.
mias ae
540168304285395900047200014008825470826
41506 BEX Z 26907 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
Irrrlllrlrrlrrlrlrrlrrllrr.Ir1,rrrll.lrlrrrllrrl.lrrrll.rllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Irrrlllrrrlll,rrrl,Irllr,rrrdlLrrLlrrlrlL.IlrrJrrLrrrlll
45000 L60 281: 209304 28 53959911'
Opening/Closing Date: 081717 -09/26/07 CUSTOMER SERVICE
CHASE O Payment Due Date: 10/21107 In U.S. 1-800-945-2000
Minimum Payment Due: $472.00 Espatlol 1-888446-3308
TOO 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959 1-302-594-8200
Previous Balance $13,495.28
Payment, Credits -$481.00
Purchases, Cash, Debits +$652.24
Finance Charges +$342.30
New Balance $14,008.82
TRANSACTIONS
FINANCE CHARGES
Total Credit Line
Available Credit
Cash Access Line
Available for Cash
ACCOUNT INQUIRIES
$14,400 P.O. Box 15298
$391 Wilmington, DE 19850-5298
$5,760
$391 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .07874% 28.74% $13,038.44 $318.26 $0.00 $0.00 $318.26
Cash advances V.07874% 28.74% $574.87 $14.04 $10.00 $0.00 $24.04
Total finance charges $342.30
Effective Annual Percentage Rate (APR): 30.07%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 10 000 N Z 26 07109/26 Page 1 of 2 05686 MA MA 41506 26910000100004150601
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------------_
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- _---
E-mail Address: ----____--__
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper dips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box Jesignated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 P.M.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to dose your account and to limit your right to
make transactions in your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended, There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
_1
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (It more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic ratE
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (of least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, it then is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as 'deferred interest," If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as passible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
"The dollar amount of the suspected error
" Describe the errorand explain, ifyou can, whyyou believethere isan error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) in ust reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services thatyou purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Opening/Closing Date: 08/27/07 - 09/26107
Account Number: 5401 6830 4285 3959
Page 2 of 2
IMPORTANT NEWS
Your 2007-2008 Privacy Notification is enclosed
for your record.
Save on appliances, MP3 Players, toys, and more at Shoppers
Advantage. Earn cash-back rewards on eligible purchases in
addition to the low prices. Get the details at www.Shoppers
Advantage.com/Chase, where you'll be identified as a Chase
cardmember eligible for this special Trilegiant offer.
This Statement is a Facsimile - Not an original
X 0000001 FI533335 0 10 000 N Z 26 07109126 Page 2 of 2 05686 MA MA 41506 26910000100004150602
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$14,478.50 11120107 $0.00 $562.50
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail Print on back.
540168304285395900056250014478500000001
75463 BEX Z 29907D 11rrIILl,rlrJdrlLJlrrll r l un ll r 6ln r l l rrl r l 119 11111
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD CARDMEMBER SERVICE
MECHANICSBURG PA 17050-1746 PO BOX 15153
WILMINGTON DE 19886-5153
l1-dl 11111111111111111111111III11-1,11-1,11111111111111111111
':5000 160 281: 209304 2853959911'
Opening/Closing Date:
CHASE Payment Due Date: 09/27/07 - 10/26107 CUSTOMER SERVICE
11120/07 I
U
S
1
800
9
Minimum Payment Due: n
.
.
-
-
45-2000
$562
50
.
Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800336-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4285 3959 1-302-594-8200
Previous Balance
$14,008.82 Total Credit Line ACCOUNT INQUIRIES
$14
400
Payment, Credits -$528.20 Available Credit ,
P.O. Box 15298
$0
Purchases, Cash, Debits +$657.72 Cash Access Line Wilmington, DE 19850-5298
$5,760
Finance Charges +$340.16 Available for Cash $0 PAYMENT ADDRESS
New Balance $14,478.50 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/credotcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Total finance charges $340.16
Effective Annual Percentage Rate (APR): 28.741/6
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D B 000 N Z 26 07/10/26 Page 1 of 1 05686 MA MA 75463 29910000060007546301
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .07874% 28.74% $13,761.18 $325.07 $0.00 $0.00 $325.07
Cash advances V.07874% 28.74% $638.50 $15.09 $0.00 $0.00 $15.09
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -----------_
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
in ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window; the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. if you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designared for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement it you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked 'paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is dosed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement. separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ('check transaction ), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for m inor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, it there is a `Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due. we m ust receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deterred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give tts the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is schaduled
to occur.
Special Rule for Credit Card Purckasss: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$15,063.94 12/21/07 $484.00 $1,711.94
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900171194015063940000007
45667 BEX Z 33007 D
CHRISTOPHER D MUMMERT
208 RIDGE HILL RD
MECHANICSBURG PA 17050-1746
CHASE O
Irlrlllllrtltrltlrrllrlllrrlrlrrrrllrltlrtrllrllrlrrrllrrllrrl
L71111r11111r1rr11111111r,rrllLrr1,11r1,I IrrllrrrL?l.rr1111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
45000 i60 281: 209304 2853959911•
Opening/Closing late: 10117 - 11/26/07 CUSTOMER SERVICE
CHASE Payment Due Date: 12121107 In U.S. 1-800-945-2000
Minimum Payment Due: $1,711.94 Espaffiol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959 1-302-594-8200
ACCOUNT INQUIRIES
Previous Balance $14,478.50 Total Credit Line $14,400 P.O. Box 15298
Purchases, Cash, Debits +$210.89 Available Credit $0 Wilmington, DE 198505298
Finance Charges +$374.55 Cash Access Line $5,760
New Balance $15,063.94 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.oom/creditcards
The new APR and promotional rate expiration reflected on this statement is a result of a late
payment on your account. For your convenience, you can always pay online by accessing our
website displayed on this statement.
TRANSACTIONS
Trans
Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
11120 LATE FEE $39 00
10/28 OVERLIMIT FEE 39.00
11126 PAYMENT PROTECTOR 1-888-314-4371 132.89
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $14,057.84 $358.05 $0.00 $0.00 $358.05
Cash advances V.08216% 29.99% $647.54 $16.50 $0.00 $0.00 $16.50
Total finance charges $374.55
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 6 000 N Z 26 07/11126 Page 1 of 1 05686 MAMA 45667 33010000060004566701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: --------------
City: ------------------
State: --
Zip:
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -----
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by rogular U.S. mail, send at least
your minim um payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated far payments on this statement, vie will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 100 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. It you thin% we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information tram your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.0. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges. and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended,
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments, Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily parodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date, To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due, However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." It a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default underthe terms
of your Cardmember Agreement. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.0. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the errorand explain, if you can, why you believe there is an error
It you need more information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
' Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$15,353.07 01120108 $748.00 $2,269.07
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail? Print on back.
540168304285395900226907015353070000008
45714 BEX Z 36007 D
CHRISTOPHER D MUMMERT
PO BOX 557
NEW CUMBERLND PA 17070-0557
Irrrlllrlrrlrrlllrrlrrllrrrlrlrrrrllrl11r1rllrrlrlrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1,rrlllrrrlllrrrlrrrllLrrllrrrrl.IrrLlrlrrrLLlrlrrrlrlLrl
I: 5000 160 284 209 304 28 5 39 59911•
Opening/Closing late: 11117 - 112617 CUSTOMER SERVICE
CHASE O Payment Due Date: 01/20/08 In U.S. 1-800-945-2000
Minimum Payment Due: $2,269.07 Espanol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959
ACCOUNT INQUIRIES
Previous Balance $15,063.94 Total Credit Line $14,400 P .O. Box 15298
Payment, Credits -$300.00 Available Credit $0 Wilmington, DE 19850-5298
Purchases, Cash, Debits +$213.44 Cash Access Line $5,760
Finance Charges +$375.69 Available for Cash $0 PAYMENT ADDRESS
New Balance $15,353.07 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.cha se. comlcreditcards
Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030
(collect 1-302-594-8200) today.
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
12121 LATE FEE $39.00
11127 OVERLIMIT FEE 39.00
12/22 13573562700004780131888 Payment - Thank You 300.00
12126
FINANCE CHARGES PAYMENT PROTECTOR 1-888-3144371 135.44
Finance Charge
Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $14,578.04 $359.32 $0.00 $0.00 $359.32
Cash advances V.08216% 29.99% $663.94 $16.37 $0.00 $0.00 $16.37
Total finance charges $375.69
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 7 000 N Z 26 07112126 Page 1 of 1 05686 MA MA 45714 36010000070004571401
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address.
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1.00 p.m.
local time at our post office box designated for paym ents on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authcrize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or de not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories With the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement.. as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic WE
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also. for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" It a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong. or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the errorand explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment
$15,969.07 02/20/08 $1,316.00 $3,480.07
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900348007015969070000009
90704 BEX Z 02608 D
CHRISTOPHER D MUMMERT
PO BOX 557
NEW CUMBERLND PA 17070-0557
CHASE O
Irrrlllflfflrrlrlrflrrll...1.1.... 11flrlrfrllffl,Irrrllrrllrrl
IrrrIIIrrJIlrrJrrdllrrrll,rrrLlfrlrl,Irrfl,1f11Lrrl,llrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1: 5000 LC30 281: 209 304 28 S 39 S9911a
Opening/Closing Date: 12/27/07 - 01/26/08 CUSTOMER SERVICE
CHASE O
n 7
Mi
imum Payment Due: $3,480.0
EspafSOl 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number : 54016830 4285 3959
Previous Balance $15,353.07 Total Credit Line ACCOUNT INQUIRIES
$14,400 P.O. Box 15298
Purchases, Cash, Debits +$218.87 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$397.13 Cash Access Line $5,760
New Balance $15,969.07 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
The charge privileges on your credit cant account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
01/20 LATE FEE $39.00
12/27 OVERLIMIT FEE 39.00
01/25 PAYMENT PROTECTOR 1-888-314-4371 140.87
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $14,911.48 $379.79 $0.00 $0.00 $379.79
Cash advances V.08216% 29.99% $680.62 $17.34 $0.00 $0.00 $17.34
Total finance charges
$397.13
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 8 000 N Z 26 08/01/26 Page 1 of 1 05686 MAMA 90704 02510000080009070401
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ---------------------_
_1
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
? pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
giggligg ? cash. Write your account number on your check or money order. Payments
MMMM must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
n contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our paymont instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local timeat our post office box designated forpayments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution Call the customer
service number on this statement if you have questions about electronic
check collection or du not want your payments collected electronically.
Coaditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, vie may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address,
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in fu 1. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us.
we will continue to charge the annual fee unfil you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use th9 daily
periodic rate that applies for the average daily balance amount at the and of
the billing cycle to calculate the dairy periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daffy balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we m ust receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE
19650-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us. but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4255 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$16,420.09 03122/08 $1,911.00 $4,546.09
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Pdnt on back.
540168304285395900454609016420090000008
45147 BEX Z 05708D Irll1111111111111111r1111111111Ir111111111r 11111111 11111111111
CHRISTOPHER D MUMMERT
PO BOX 557 CARDMEMBER SERVICE
NEW CUMBERLND PA 17070-0557 PO BOX 15153
WILMINGTON DE 19886-5153
Imlllroll!u?lroll!mllru?lrlnlrlrlnr1r1r1?ln?lrllul
1:5000 160281: 20930428539599118
Opening/Closing Date: 011718 - 012618 CUSTOMER SERVICE
CHASE O Payment Due Date: 03122/08 In U.S. 1-800-945-2000
Minimum Payment Due: $4,546.09 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4285 3959
ACCOUNT INQUIRIES
Previous Balance $15,969.07 Total Credit Line $14,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$412.02 Cash Access Line $5,760
New Balance $16,420.09 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.comtereditcards
You haven't made the required payments and your credit card account is 90 days past due. As
a result, your credit bureau may be updated with a negative rating. Please send your payment
immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
02120 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08216% 29.99% $15,478.10 $394.23 $0.00 $0.00 $394.23
Cash advances V.08216% 29.99% $698.17 $17.79 $0.00 $0.00 $17.79
Total finance charges $412.02
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 5 000 N Z 26 06102/26 Page 1 of 1 05686 MAMA 45147 05710000050004514701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: -----------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ---------------
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter tour account number.
Crediting of Paymarts: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and in ust be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper dips, tape or correspondence included with your payment If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If yo ur payment is in accordance
with our payment instructions, but is made available to us after 1:00 P.M.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check ar?d you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle,. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the dale of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared,
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
-Your name and account number
"The dollar amount of the suspected error
" Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4265 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$16,844.99 04/20/08 $2,526.00 $5,563.99
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900556399016844990000000
04688 SEX Z 08608D lu rl?lrlululrlnlnllur?rlunl?rlrlr ul?rrlrlnrllr rllnl
CHRISTOPHER D MUMMERT
PO BOX 557 CARDMEMBER SERVICE
NEW CUMBERLND PA 17070-0557 PO BOX 15153
WILMINGTON DE 19886-5153
11..Ill III111.111011111... 11 rur?rln?rlrlnr?rl rlrlnrlr?lul
,:S000 16028i: 20930428539599118
Opening/Closing Date:
CHASE 0 Payment Due Date: 021108 - 03126108 CUSTOMER SERVICE
04/20/08 I
U
S
1
800
945
200
Minimum Payment Due: n
.
.
-
-
-
0
$5
563.99
,
Espanol 1-888-446-3308
TDD 1-800-955.8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
MASTERCARD CARD SUMMARY Account Number: 54016830 4285 3959 1-302-594-8200
ACCOUNT INQUIRIES
Previous Balance $16,420.09 Total Credit Line $14,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$385.90 Cash Access Line $5,760
New Balance $16,844.99 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.Ghase.com/creditcard5
It's not too late to resolve the outstanding balance on your credit cans account. We have a
variety of payment options that may be right for you. Call 1-888-792-7547 (collect
1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
03/23 LATE FEE $3900
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08011% 29.24% $15,895.54 $369.28 $0.00 $0.00 $369.28
Cash advances V.08011% 29.24% $715.38 $16.62 $0.00 $0.00 $16.62
Total finance charges $385.90
Effective Annual Percentage Rate (APR): 29.241/6
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 0 7 000 N Z 26 08/03126 Page 1 of 1 05686 MA MA 04688 08610000070000468801
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------------_
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ---------------------_
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureass: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make sh•,uld be sent to the appropriate payment address.
Annual Renewal Natiee: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transferlconvenionce checks and cash advance
checks ('check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary. and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minorvariations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we in ust receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMITRY
In Case of Eras or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
"Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$17,307.61 05/21/08 $3,119.00 $6,661.61
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304285395900666161017307610000007
89463 BExZ 117080 61r11111rr11drLJrrlLrrl,LrrrILLLrrllrrl,lrrrllrrll,?l
CHRISTOPHER D MUMMERT
PO BOX 557 CARDMEMBER SERVICE
NEW CUMBERLND PA 17070-0557 PO BOX 15153
WILMINGTON DE 19886-5153
iu?lllaril!?ulr??ill???llu?rlrlnlrl?lrrrlrlrlrlrrrlrllr?l
1:5000 L60 281: 209304 2853959911'
Opening/Closing Date: 0118-11111 CUSTOMER SERVICE
CHASE O Payment Due Date: 05/21108 In U.S. 1-800-945-2000
Minimum Payment Due: $6,661.61 Espa Aci 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD CARD SUMMARY Account Number: 5401 6830 4285 3959
ACCOUNT INQUIRIES
Previous Balance $16,844.99 Total Credit Line $14,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$423.62 Cash Access Line $5,760
New Balance $17,307.61 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/credftcards
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
04/20 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Comesp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08011 % 29.24% $16,324.99 $405.42 $0.00 $0.00 $405.42
Cash advances V.08011% 29.24% $732.78 $18.20 $0.00 $0.00 $18.20
Total finance charges
$423.62
Effective Annual Percentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 D 9 000 N Z 26 08104126 Page i of 1 05686 MAMA 89463 11610000090008946301
X
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
_1
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least your
minimum payment due to our post office box designated for payments shown
eominevele on this statement. Your payments by mail must comply with the instructions
on this statement, and must be made by check or money order, payable in
SO= ? U.S. Dollars, and drawn on or payable through a U.S. financial institution or
a? the U.S. branch of a foreign financial institution. Do not send cash. Write your
account number on your check or money order. Payments must be
accompanied by the payment coupon in the envelope provided with our
- address visible through the envelope window; the envelope cannot contain
more than one payment or coupon; and there can be no staples, paper clips,
tape or correspondence included with your payment. If your payment is in
accordance with our payment instructions and is made available to us on any
day except December 25 by 1:00 p.m. local time at our post office box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions, but is made available to us after 1:00 p.m. local time at our post
office box designated for payments on this statement, we will credit it to your
account as of the next day. If yyou do not follow our payment instructions or it
your payment is not sent by regular U.S. mail to our post office box
designated for payments, crediting of your payment maybe delayed for up to
5 days. Payments made electronically through our automated telephone
service, Customer Service advisors, or our web site will be subject to any
processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report information
about your account to credit bureaus. Late payments, missed payments or
other defaults on your account may be reflected in your credit report. If you
think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing
statement. Notice About Electronic Check Conversion: When you provide a
check as payment, you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment thatyou
send us for less than the full balance due that is marked "paid in full or
contains a similar notation, or that you otherwise tender in full satisfaction of
a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such check
is received at any other address, we may accept the check and you will still
owe any remaining balance). We may refuse to accept arty such payment by
returning it to you. not cashing it or destroying it. All other payments that you
make should be sort to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments. whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual fee
does not affect our rights to close your account and to limit your right to make
transactions on your account. If your account is closed by you or us, we will
continue to charge the annual fee until you pay your outstanding balance in
full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfertconvenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). Please consult your
Cardmember Agreement for the features that are applicable to your card.
These calculations may combine different categories with the same daily
periodic rates. If there is a "V" next to a periodic rate on this statement, that
rate may vary, and the index and margin used to determine that rate and its
corresponding APR are described in your Cardmember Agreement, as
amended. There is a minimum finance charge in any billing cycle in which you
owe any periodic finance charges. and a transaction finance charge for each
balance transfer, cash advance. or check transaction, in the amounts stated in
your Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added as
of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date of
our choice). Fees are added either on the date of a related transaction, the date
they are posted to your account, or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of zero. If
a daily periodic rate applies to any feature, we multiply the daily balance by the
daily periodic rate to get your periodic finance charges for that day. We then
add these periodic finance charges to your daily balance to get the beginning
balance for the next day. (If more than one daily periodic rate could apply
based on the average daily balance, we will use the daily periodic rate that
applies for the average dairy balance amount at the end of the billing cycle to
calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s) If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the penodic finance charges
for the billing cycle, except for minor variations due to rounding.
Greco Period (at least 20 days): We accrue periodic finance charges on a
transaction, fee, or finance charge from the date it is added to your daily
balance until payment in full is received on your account. However, we do not
charge periodic finance charges on new purchases billed during a billing cycle
if we receive both payment of your New Balance on your current statement by
the date and time your payment is due and also payment of your New Balance
on your previous statement by the data and time your payment was due.
There is no grace period for balance transfers, cash advances, check
transactions, or overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on this
statement, you will not incur periodic finance charges on any Remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. However, if you default under the terms of your
Cardmember Agreement or any Qualifying Promotional Financing offer, the
applicable periodic finance charges will accrue on anyy Remaining Balance as
soon as the billing cycle in which the default occurs, To avoid finance charges
on new purchases when your New Balance includes any Remaining
your payment is due. However, if your statement shows that a minimum
payment is due, we must receive at least that minimum payment by the date
and time specified on your statement, even if your New Balance consists only
of Qualifying Promotional Financing balances.
For "deferred interest" Qualitying Promotional Financing, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle,
If a deferred interest Qualifying Promotional Financing balance is not paid in
full by the applicable Expiration Date, the deferred finance charges will be
added to your account as soon as the first day after the Expiration Date.
Further, if you default under the terms of your Cardmember Agreement, the
deferred finance charges will be added to your account as soon as the date of
default.
For "fixed payment" Qualifying Promotional Financing that permitsyou to pay
fora purchase in a designated number of payments, you will not have a grace
period for that balance as each payment includes a portion of the interest
owed over the repayment tens for that purchase. However you will have a
grace period on other new purchases as described above.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Year Bill: If you think your bill is wrong,
or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights. In your letter.
give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about,
You do not have to pa any amount in question while we are investigating, but
you are still obligated to pay the parts of your bill that are not in question.
While we investigate your question, we cannot report you as delinquent or
take action to collect the amount you question. If you have authorized us to
pay your credit card bill automatically from your savings or checking account,
you can stop the payment on any amount you think is wrong. To slop the
payment, your letter or call (using the Cardmember Service address or
telephone number shown on this statement) must reach us at least three
business days before the automatic payment is scheduled to occur
Special Role for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct the
problem with the merchant, you may not have to pay the remaining amount
due on the goods or services. You have this protection only when the
purchase price was more than $50 and the purchase was made in your home
state or within 100 miles of your mailing address, These limitations do not
apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA030708
Statement for account number: 5401 6830 4285 3959
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$17,763.95 06/20/08 $3,754.00 $7,750.95
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail ') Print on back.
540168304285395900775095017763950000007
42326 BEX Z 14700 D 1111111111111111111111111111111111111111111111111111111111111
CHRISTOPHER D MUMMERT
PO BOX 557 CARDMEMBER SERVICE
NEW CUMBERLND PA 17070-0557 PO BOX 15153
WILMINGTON DE 19886-5153
111111111111111111111111111111111,1111111111.L1111L11LI1,11
45000 160 281: 209304 28 53959911•
Opening/Closing Date: 11711-0111 CUSTOMER SERVICE
CHASE O Payment Due Date: 06/20/08 In U.S. 1-800-945-2000
Minimum Payment Due: $7,750.95 Espaliol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD CARD SUMMARY Account Number: 5401 6830 4265 3959
ACCOUNT INQUIRIES
Previous Balance $17,307.61 Total Credit Line $14,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$417.34 Cash Access Line $5,760
New Balance $17,763.95 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/crediteards
The outstanding balance on your credit card account is scheduled to be written off as a bad debt
shortly. As a result, your credit bureau will be updated with a negative rating that could last for
up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect
1-302-594-8200).
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
05/21 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.07942% 28.99% $16,765.37 $399.45 $0.00 $0.00 $399.45
Cash advances V.07942% 28.99% $750.83 $17.89 $0.00 $0.00 $17.89
Total finance charges
$417.34
Effective Annual Percentage Rate (APR): 28.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 D 8 000 N Z 26 08/05/26 Page 1 of 1 05686 MA MA 42326 14710000080004232601
X INS13083
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
Interruption About Yaw Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least your
minimum payment due to our post office box designated for payments shown
on this statement. Your payments by mail m ust comply with the instructions
on this statement, and must be made by check or money order, payable in
U.S. Dollars, and drawn on or payable through a U.S. financial institution or
the U.S. branch of a foreign Financial institution. Do not send cash. Write your
account number cn your check or money order. Payments must be
accompanied by the payment coupon in the envelope provided with our
address visible through the envelope window; the envelope cannot contain
more than one payment or coupon; and there can be no staples, paper clips,
tape or correspondence included with your payment. If your payment is in
accordance with our payment instructions and is made available to us on any
day except December 25 by 1:00 p.m. local time at our post office box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions, but is made available to us after 1:00 p.m. local time at our post
office box designated for payments on this statement, we will credit it to your
account as of the next day. If yyou do not follow our payment instructions or if
your payment is not sent by regular U.S. mail to our post office box
designated for payments, crediting of your payment maybe delayed for up to
5 days. Payments made electronically through our automated telephone
service, Customer Service advisors, or our web site will be subject to any
processing times disclosed for those payments.
Account Iniorrualion Reported to Credit Bureaus: We may report information
about yyour account to credit bureaus. Late payments, missed payments or
other Aefaults on your account may be reflected in your credit report. If you
think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing
statement. Notice About Electronic Check Conversion: When you provide a
check as payment, you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that you
send us for less than the full balance due that is marked "paid in full' or
contains a similar notation, or that you otherwise tender in full satisfaction of
a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g.. if it is determined there is no valid dispute or if any such check
is received at any other address, we may accept the check and you will still
owe any remaining balance). We may refuse to accept any such payment by
returning it to you, not cashing it or destroying it. All other payments that you
make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual fee
does not affect our rights to close your account and to limit your right tc make
transactions on your account. If your account is closed by you or as, we will
continue to charge the annual fee until you pay your outstanding balance in
full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). Please consult your
Cardmember Agreement for the features that are applicable to your card.
These calculations may combine different categories with the same daily
periodic rates. If there is a "V" next to a periodic rate on this statement, that
rate may vary, and the index and margin used to determine that rate and its
corresponding APR are described in your Cardmember Agreement, as
amended. There is a minimum finance charge in any billing cycle in which you
owe any periodic finance charges, and a transaction finance charge for each
balance transfer, cash advance, or check transaction, in the amounts stated in
your Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments, Transaction s are added as
of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date of
our choice). Fees are added either on the date of a related transaction, the date
they are posted to your account, or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of zero. If
a daily periodic rate applies to arty feature, we multiply the daily balance by the
daily periodic rate to get your periodic finance charges for that day. We then
add these periodic finance charges to your dairy balance to get the beginning
balance for the next day. (If more than one daily periodic rate could apply
based on the average daily balance, we will use the daily periodic rate that
applies for the average dairy balance amount at the end of the billing cycle to
calculate the dairy periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s), If you
multiply the aver91 daily balance for each feature by the applicable daily
periodic rate, and n multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Gras Period (at least 20 days): We accrue periodic finance charges on a
transaction, fee, or finance charge from the date it is added to your daily
balance until payment in full is received on your account. However, we do not
charge periodic finance charges an now purchases billed during a billing cycle
if we receive both payment of your New Balance on your current statement by
the date and time your payment is due and also payment of your New Balance
on your previous statement by the date and time your payment was due.
There is no grace period for balance transfers, cash advances, check
transactions, or overdraft advances.
In addition, if them is a "Qualifying Promotional Financing" section on this
statement, you will not incur periodic finance charges on any Remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. However, if you default under the terms of your
Cardmember Agreement or any Qualifying Promotional Financing offer, the
applicable periodic finance charges will accrue on any Remaining Balance as
soon as the billing cycle in which the default occurs. o avoid finance charges
on new purchases when your New Balance includes any Remaining
Balance(s) in the Qualifying Promotional Financing section, payyour full New
Balance minus the total of those Remaining Balance(s) by the date and time
your payment is due. However, if your statement shows that a minimum
payment is due, we must receive at least that minimum payment by the date
and time specified on your statement, even if your New Balance consists only
of Qualifying Promotional Financing balances.
For "deferred interest" Qualifying Promotional Financing, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
If a deferred interest Qualifying Promotional Financing balance is not paid in
full by the applicable Expiration Date, the deferred finance charges will be
added to your account as soon as the first day after the Expiration Date.
Further, if you default under the terms of your Cardmember Agreement, the
deferred finance charges will be added to your account as soon as the date of
default.
For "foxed payment" Qualifying Promotional Financing that permitsyou to pay
for a purchase in a designated number of payments, you will not have a grace
period for that balance as each payment includes a portion of the interest
owed over the repayment term for that purchase. However, you will have a
grace period on other new purchases as described above.
BILLING RIGHTS SUMMARY
In Can of Error or Questions About Your Bill: If you think your bill is wrong,
or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P0. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights. In your letter,
give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to any amount in question while we are investigating, but
you are still obligated to pay the parts of your bill that are not in question.
While we investigate your question, we cannot report you as delinquent or
take action to collect the amount you question. If you have authorized us to
pay your credit card bill automatically from your savings or checking account,
you can stop the payment on any amount you think is wrong. To stop the
payment, your letter or call (using the Cardmember Service address or
telephone number shown on this statement) must reach us at least three
business days before the automatic payment is scheduled to occur.
Special Rub for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tiled in good faith to correct the
problem with the merchant, you may not have to pay the remaining amount
due on the goods or services. You have this protection only when the
purchase price was more than $50 and the purchase was made in your home
state or within 100 miles of your mailing address. These limitations do not
apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA030708
Exhibit
d1d, c 11
e---LIASr- Aft
EXIT' .A
R ML OF SALE
Chasse Bank USA, NA. C 'Seller"), for value received and pursuant to the terms and conditions
of Credit Card Account Purchase Agreetn"t dated December 3, 2009 between --eller and Turtle
Green Assets, Ltd, by and #lwoug its general. partner Forward properties International, Inc.
("Purchaser"), its successors tod assigns {"Credit Card Account Purcliase A.greemen }, hereby
as'si s effective. as of theFile Creation Bate of January 15, 2010 all rights, title and interest of
Setter in and to those cemin teoeivables, judgments or evidences of debt described in Exhibit I
attached hereto and made part hereof for all purposes.
Number ofAccounts 30091
Total TJnpaid Balances 1203376,960.14
Premium
Slue Setter
A-mouats due VY Setter by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer vi
be recoiVed by Seller no Later than Janu + 22, 2010 (tire "Closing Tate") by 2-00 pm. Selldes
time, as follows:
Cltaoe Sank USA, N.A.
ABA "21:t W021
Seneficittry Name. Chase Bank USA, N.A.
beneficiary Aecount: #304.266420
This. Bill of Sale is executed Vithout recourse except as stated. in the Credit Car Aceonnt
Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or
enforceability is .expressed ter irnpl'ied.
Chase,T3a kr
By:
Date. J 2010
i
Tura
By:
Date:
Title Team, Leader Tine d"? _i
Excerpt from
Exhibit 1
CoBrand: CHASE BANK USA, N.A.
Account # 5401683042853959
Account Open Date: 5/15/03
Account Charge Off: 5/30/08
Last Payment Date: 12/23/07
Debtor Last Name: MUMMERT
Debtor First Name: CHRISTOPHER
Debtor Address: P.O. BOX 557,208 RIDGE HILL ROAD
Debtor City: ; NEW CUMBERLAND
Debtor State: PA
Debtor Zip: 17070-0557
Debtor SS#: none on file
Debtor Home Phone: 717-215-9477
Debtor Bus Phone:
Balance: $27,937.70
•
•
EXHIBIT A
BILL OF SALE
Turtle Creek Assets, Ltd., by and through its general partner, Forward Properties
International, Inc. ("Seller"), for value received and pursuant to the terms and conditions of
the Credit Card Account Purchase Agreement between Seller and AMERICAN CREDIT
COLLECTIONS LLC ("Purchaser"), hereby sells, conveys, transfers and assigns to
Purchaser, effective as of the File Creation Date of January 22; 2010, all rights, title and
interest of Seller in and to those certain accounts, receivables, judgments of evidences of
debt described in Exhibit 1 attached hereto and made part hereof for all purposes (the
"Accounts"),
Number of Accounts 979
Total Unpaid Balances $4;083,987:94
The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a
national banking association ("Original Creditor") as evidenced by the Bill of Sale from
Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all
purposes.
This Bill of Sale is executed without recourse except as stated in the Credit Card Account
Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
title or enforceability is expressed or implied.
Turtle Creek Assets, Ltd., a Texas limited partnership
By: Forward Prop, rti` s Inter tional, Inc., its general partner
By:
Gordon e, President
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard VU' Stewart
Solicitor
American Credit & Collections, LLC Case Number
vs.
Christopher Mummert 2010-6585
SHERIFF'S RETURN OF SERVICE
11/05/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search
and inquiry for the within named defendant to wit: Christopher Mummert, but was unable to locate him in
his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant
Christopher Mummert. Current resident of 208 Ridge Hill Road, Mechanicsburg, PA 17050 advised
Deputies, Christopher Mummert was the previous owner of the residence. The Mechanicsburg
Postmaster has confirmed, Christopher Mummert is not known at 208 Ridge Hill Road, Mechanicsburg,
PA 17050.
SHERNFF COST: $42.00 SO ANSWERS,
November 05, 2010 RON R ANDERSON, SHERIFF
?. c ,- _,s, -??? I -E, i;r-.
David D. Buell
Prothonotary
Office of the 1�'- rothonotary
Cum6er[and County, Pennsylvania
�ir1QS. Sohonage, E,SQ,
Solicitor
1� �1,5,..5 CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square • Suite100 • Carlisle, TA • Phone 717 240-6195 • Ea.,717 240-6573