HomeMy WebLinkAbout10-6630SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff ~~~~~,ir ai ''u+r~bcrt~~~
Jody S Smith
Chief Deputy ~ ~'~ ~'~'
Richard W Stewart
SOlICItOr t+FI:tGEr r ~~~ c..~RIFF
Chase Bank USA, N.A.
Case Number
vs. 2010-6630
Keith A Barefoot
SHERIFF'S RETURN OF SERVICE
10/25/2010 06:25 PM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on
October 25, 2010 at 1825 hours, she served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Keith A. Barefoot, by making known unto Dawn Barefoot, Wife of
defendant at 144 Millers Gap Road, Enola, Cumberland County, Pennsylvania 17025 its contents and at
the same time handing to her personally the said true and correct cop of the same.
MANDA CO AUGH, DEP
SHERIFF COST: $41.50
October 26, 2010
SO ANSWERS,
C!" ""'
RON R ANDERSON, SHERIFF
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tc) CountySuite Shenff. Teleosoft, Inc.
CHASE BANK USA, N.A.,
Plaintiff
V.
KEITH A. BAREFOOT,
Defendant
: COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
No: 10-6630- CIVIL TERM
Civil Action - Law
NOTICE TO PLEAD
To: Chase Bank USA, N.A.
c/o James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
You are hereby notified to plead to the enclosed
Preliminary Objections Wfthiw
twenty (20) days from the date of service hereof or a default judgment may be entered
against you.
Date: 1H5-to
Respectf ubmitted,
MVeHg'e'I J. Pykosh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant, Keith A. Barefoot
Michael J. Pykosh, Esquire
ID # 58851
Dethlefs-Pykosh Law Group, LLC
2132 Market Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446
Fax - (717) 975-2309
movkosh&dnlalaw.com Attorney for Defendant
CHASE BANK USA, N.A., : COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V.
No: 10-6630- CIVIL TERM
KEITH A. BAREFOOT, Civil Action - Law
Defendant
DEFENDANT'S PRELIMINARY OBJECTIONS TO
PLAINTIFF'S COMPLAINT
AND NOW, comes the Defendant, Keith A. Barefoot, by and through his
attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files
his Preliminary Objections to the Plaintiffs Complaint, and avers as follows:
1. Plaintiff filed suit against Defendant alleging that Defendant owes money to
Plaintiff arising out of an account issued by Chase Bank of which Plaintiff Claims to
be the Original Creditor. Comp. ¶ 1 and 3.
2. The Complaint was filed on October 19, 2010.
First Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule of
court (failure to state whether agreements is oral or written, state its terms,
and/or attach written contract upon which the claim is based)
3. The Complaint avers the existence of some type of contract between the parties.
4. Pursuant to Pa. R.C.P. 1019(h), where a claim asserted is based upon an
agreement, the pleading must state whether the agreement is oral or written.
5. The Complaint does not indicate whether the agreement is oral or written.
6. Pursuant to Pa. R.C.P. 1019(i), if the agreement is written, it must be attached to
the pleading or, if not, the pleader must explain its absence and set forth the
substance of the agreement. More specifically, Plaintiff has failed to attach the
original Loan/Credit Agreement signed and dated, including both original and
amended terms and conditions applicable to the credit card agreement. There is
no indication that the attached Agreement is the original. The same does not bear
the Defendant's signature. Asset Acceptance, LLC v Margaret Madden Order
dated March 18, 2009, No. 2912 of 2008 GD (Fayette County 2009) citing Atlantic
Credit & Finance, Inc. v Guiliana, 829 A.2d 340 (Pa. Super. 2003). Plaintiff has
also failed to attach "other periodic mailings detailing changes to the terms of the
contract Remit Corporation v Miller, 5 Pa. D&C 5th 43, 45 (Centre Cty., 2008)
7. The Plaintiff has failed to describe the terms of the agreement, nor has it
attached a copy of a written agreement or explained its absence.
Second Preliminary Objection- Pa. R.C.P. No. 1028(a)(4)- Demurrer
8. The Plaintiff has failed to allege facts sufficient to maintain a cause of action for
Breach of Contract.
Third Preliminary Objection- Pa. R.C.P. No. 1028(a)(3)
9. The Complaint contains only a general assertion of the amount the Plaintiff
claims is owed by the Defendant. It provided no detail as to the date(s) on which the
debts were incurred, the amounts incurred on each date, the dates or amounts of
payments, nor dates of accrual and amounts of interest charges and other fees.
10. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be
included in a Complaint of this type.
11. By not including the requisite detail of the account, the Complaint fails to conform
to an express rule of Court.
WHEREFORE, the Defendant respectfully requests that her Preliminary
Objections be sustained, and that Plaintiffs Complaint be dismissed with prejudice.
Res ubmitted,
Date: 11-15-10
Michael 4-0ykosh, Esquire
I. D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
(717)975-9446
CHASE BANK USA, N.A.,
Plaintiff
V.
KEITH A. BAREFOOT,
Defendant
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No: 10-6630- CIVIL TERM
Civil Action - Law
CERTIFICATE OF SERVICE
I hereby certify that a copy of the foregoing Defendant, Keith A. Barefoot's,
Preliminary Objections to Plaintifrs Complaint, was hereby served by depositing the
same within the custody of the United States Postal Service, First Class, postage
prepaid, addressed as follows:
Chase Bank USA, N.A.
c/o James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
DatOH IE5- l O
Respectfu
itted,
7
Michael o , Esquire
I. D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant
VERIFICATION
I, Keith A. Barefoot, hereby verify that the statements of fact made in the
foregoing documents are true and correct to the best of my personal knowledge,
information and belief. I understand that any false statements therein are subject to the
criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn
falsification to authorities.
Date: H- I S- Z-O t O
Keith A. Barefoo
CHASE BANK, USA, NA, : COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff C +A
V. No: 10-6630- CIVIL TERM C-, c_-,
c ,
KEITH A. BAREFOOT, rn _
?
cn
Defendant ?o
PRAECIPE FOR LISTING CASE FOR ARGUMENT C.-)
CO
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the wit rnatteia
for the next Argument Court.
1. Matter to be Argued: Defendant's Preliminary Objections
2. Counsel who will argue cases:
Sarah E. Ehasz, Esquire
Attorney for Plaintiff
436 Seventh Avenue, Ste 1400
Pittsburgh, PA 15219
(412) 434-7955
Michael J. Pykosh, Esquire
Attorney for Defendant
2132 Market Street
Camp Hill, PA 17011
(717) 975-9446
3. 1 will notify all parties in writing within two days that this case has been listed
for argument.
4. Argument Court Date: February 18, 2011
BY:
Michael Pykosh, Esquire
Attornfor Defendant
Dated: January 28, 2011
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is relisted.
#20.
CHASE BANK, USA, N.A., IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
KEITH A. BAREFOOT NO. 2010-6630 CIVIL TERM
Defendant
IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS
BEFORE OLER, GUIDO, MASLAND, JJ.
ORDER OF COURT
AND NOW, this 22ND day of FEBRUARY, 2011, Defendant's Preliminary
Objections are SUSTAINED. Plaintiff is GRANTED leave to file an amended complaint
within twenty (20) days.
/Sarah E. Ehasz, Esquire
/Michael J. Pykosh, Esquire
Court Administrator
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By the Court,
Edward E. Guido, J.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENN 3YLVANIA
CHASE BANK USA, NA,
Plaintiff,
CIVIL DIVISION
NO: 2010-6630
V.
KEITH A. BAREFOOT,
Defendant.
PLAINTIFF'S BRIEF IN RESPONSE TO
DEFENDANT'S PRELIMINARY
OBJECTIONS
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD FOR THIS PARTY:
Sarah E. Ehasz, Esquire
Pa. I.D. # 86469
WELTMAN, WE:INBERG, & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Phone: (412) 434 -- 7955
Fax: (412) 3 3 8 - 7130
WWR# 8670972
ao
IN THE COURT OF COMMON PLEAS OF CUMBERLAND, COUNTY, PENNSYLVANIA
CHASE BANK USA, NA, CIVIL DIVISION
Plaintiff,
NO: 2010-6630
V.
KEITH A. BAREFOOT,
Defendant.
PLAINTIFF'S BRIEF IN RESPONSE
TO DEFENDANT'S PRELIMINARY OBJECTIONS
AND NOW, comes the Plaintiff, Chase Bank USA, NA, by and through its counsel,
Weltman, Weinberg, & Reis Co., L.P.A., and files the following Brief In Response to
Defendant's Preliminary Objections, averring as follows:
STATEMENT OF THE FACTS
Plaintiff initiated the within action on October 19, 2010 by the filing of a complaint
against the above-named Defendant seeking to recover the unpaid balance owed by the
Defendant on a Capital One Bank credit card. On or about November 15, 2010 the Defendant
filed preliminary objections to Plaintiff's Complaint, which were subsequently served on the
Plaintiff. The Plaintiff now files it's Brief in Response to Defendant's Preliminary Objections
and asks the Court to make a decision on this matter.
STATEMENT OF THE ISSUES
1. Whether Plaintiff should be granted leave to file an amended complaint?
Suggested answer: Yes
ARGUMENT
Defendant's Preliminary Objections allege that Plaintiff s Complaint fails to comply with
applicable rules of court. Plaintiff is prepared to file an amended complaint with additional
documentation, which satisfies the objections filed by the Defendant. As such the Plaintiff
respectfully requests that the court allow it leave to file an amended complaint.
Our Supreme Court authorizes the amendment of a pleading unless it is against a
positive rule of law or where the amendment will surprise or prejudice the opposing party.
Pilotti v. Mobil Oil Com., 388 Pa. Super. 514, 518, 565 A.2d 1227, 1229 (1989). Prejudice must
amount to something more than the removal of the procedural defect that the amendment is
intended to cure. Id. Rule 1033 of the Pennsylvania Rules of Civil Procedure states: "A party,
either by filed consent of the adverse party or by leave of court, may at any time change the form
of action, correct the name of a party or amend his pleadings. An Amendment may be made to
conform the pleadings to the evidence offered or admitted." This Rule has been interpreted
repeatedly as requiring the liberal evaluation of amendment requests in an effort to determine
cases based upon their merits rather then a mere technicality. Horowitz v. Universal
Underwriters. 397 Pa. Super. 473, 480, 580 A.2d 395, 399 (1990). See also Werner V. Zazyczny,
545 Pa. 570, 681 A.2d 1331 (1996); W.I. Snyder Corp. v. Caracciolo, 373 Pa. Super. 486, 541
A.2d 775, 778 (1988); Cellutron Products Corp v Stewart, 223 Pa. Super 391, 300 A.2d 900
(1972). Here, no surprise or prejudice exists to warrant denial of Plaintiff's request to amend its
Complaint as Plaintiff's is prepared to file an Amended Complaint, which would satisfy the
claims raised in Defendant's Preliminary Objections.
CONCLUSION
Plaintiff respectfully requests that the Honorable Court sustain Defendant's Preliminary
Objections and grant leave to the Plaintiff to file an amended complaint within 120 days. A
proposed Order of Court is attached for the Court's consideration.
Respectfully Submitted,
Sarah E. Ehasz, Esquire
Pa. I.D. # 86469
WELTMAN, WEINBERG, & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Phone: (412) 434 -7955
Fax: (412) 338 - 7130
WWR# 8670972
CERTIFICATE OF SERVICE
The undersigned hereby certifies that a true and correct copy of the within Brief In
Opposition to Defendant's Preliminary Objections has been sent to the following parties by first
class, U.S. Mail, postage prepaid, this _ day of ' 02010, as follows:
Michael J. Pykosh, Esquire
2132 Market Street
Camp Hill, PA 17011
Sarah E. Ehasz, Esquire
Pa. I.D. # 86469
WELTMAN, WEINBER , & REIS CO., L.P.A.
436 Seventh Avenue, Su' et400
Pittsburgh, PA 15219
Phone: (412) 434 -7955
Fax: (412) 3 3 8 - 7130
WWR# 8670972
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CHASE BANK USA, NA, CIVIL DIVISION
Plaintiff,
NO: 2010-6630
V.
KEITH A. BAREFOOT,
Defendant.
ORDER
AND NOW, to wit, this of , 2010, upon consideration of the
Defendant's Preliminary Objections to Plaintiffs Complaint and the briefs of the parties, it is
hereby ORDERED, ADJUDICATED, and DECREED that Defendant's Preliminary Objections
are Sustained and Plaintiff s Complaint is Stricken. It is further ordered that the Plaintiff shall
have 120 days from the date of this Order in which to file it's Amended Complaint.
BY THE COURT
J.
0--z
Michael J. Pykosh, Esquire
I D # 58851
Dethlefs-Pykosh Law Group, LLC
2132 Market Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446
Fax - (717) 975-2309
mpykosh andpiglaw com Attorney for Defendant
CHASE BANK USA, N.A. : COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
V. : No: 10-6630- CIVIL. TERM
KEITH A. BAREFOOT
Defendant
DEFENDANT'S BRIEF IN SUPPORT OF DEFENDANT'S PRELIMINARY
OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT
Factual Background
Plaintiff, LVNV Funding, filed a Complaint against Defendant seeking damages
based upon the theory of contract for the default of a credit card account. Defendant
filed Preliminary Objections to Plaintiff's Complaint. Plaintiff filed an amended
Complaint in which Defendant-again filed Preliminary Objections which are the subject
of this argument.
Legal Argument
Preliminarv Objection subiect to Pa R.C.P. 1019(i)
Plaintiff's case is based on non-payment of a credit card debt. Rule 1019(1) provides
when a claim or defense is based upon a writing, the pleader shall attach a copy of
the writing, or the material part thereof, but if the writing or copy is not accessible to
the pleader, it is sufficient to state together with the reason, and to set forth the
substance in the writing."
P-
Attached to Plaintiff's Complaint is a document that appears to be a credit card
statement dated August 10, 2010. The last page of the three-page Exhibit is identified
at Page 2 of 2. (Exhibit 1) and Card Member Agreement (Exhibit 2). Defendant
objected that Plaintiff did not attach a copy of the contract to include the original credit
card agreement, periodic mailings and the complete statements. Said Exhibits are not
referenced in the Complaint. Exhibit 2 is not identified as the Credit Agreement in
effect at the time the account was opened.
In Remit Corporation v Miller, 5 Pa.D&C 5th 43, the Plaintiff attached a copy of a
cardholder agreement to the Complaint. The court in Remit Corporation found that
"Plaintiff has not attached the relevant writings to establish its claim against Defendant
and instead attached a copy of the cardholder agreement from four years ago. Plaintiff
has not attached Defendant's original credit card application, any other periodic
mailings detailing changes to the terms of the contract or a statement averring that it
lacks access to any or all of the relevant writings." (Id at 45)
The court indicated that the cardholder agreement was insufficient to establish
Plaintiff's claim. Additionally, Plaintiff has not attached any of the periodic mailings
detailing changes to the terms of the contract. See Order of Court of Common Pleas
of Fayette County in Asset Acceptance, LLC v Margaret Madden, No. 2912 of 2008
GD March 18, 2009.
In Worldwide Asset Purchasing v Nancy Stern, Judge Wettick, under a similar
fact pattern, stated:
"It is my understanding that in a typical credit card transaction, the
relationship between the cardholder and the issuer begins with a written
application signed and submitted by the cardholder. In this application, the
cardholder agrees to be bound by provisions set forth in the application and
possibly other terms and conditions that are furnished to the cardholder at
the time the card is issued. The application also provides that the terms and
conditions may be changed through mailings to the cardholder and
accepted by the cardholder's continued use of the credit card. In this
situation, the writings that must be attached to the complaint include the
application signed by the cardholder and any other relevant terms and
conditions which govern the issuer's claims. For example, if the claim
involves a period of time in which amended terms and conditions apply, the
complaint must attach both the original and amended terms and conditions
with the dates for which they were applicable." (Id Page 112)
See also Arrow Financial Services, LLC v. Jodi A. Witmer, 09-6197 Cumberland
County. The court decided Preliminary Objections in favor of Defendant under virtually
the same circumstances.
Clearly, Plaintiff's Complaint is insufficient to establish its claim, and Defendant's
Preliminary Objections should be sustained.
WHEREFORE, for all the reasons set forth above, Defendant, Keith A. Barefoot,
respectfully requests that this Honorable Court sustain Defendant's Preliminary
Objections.
Date: t1 31 1 ,
Respecffully S/hE ,
Michael J. P k , quire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
(717)975-9446
CHASE BANK USA, N.A. : COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff ;
V. No: 10-6630- CIVIL TERM
KEITH A. BAREFOOT
Defendant
CERTIFICATE OF SERVICE
I hereby certify that a copy of the foregoing Defendant's Brief in Support of
Defendant's Preliminary Objections to Plaintiff's Complaint, was hereby served by
depositing the same within the custody of the United States Postal Service, First Class,
postage prepaid, addressed as follows:
Chase Bank (USA), N.A.
c/o Sarah E. Ehasz, Esquire
Weltman, Weinberg & Reis Co., LPA
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
itted,
Date: 1? 3 I I
MiCW,Y. P'Y- osh, Esquire
I. D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant
4
IN THE COURT OF'COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION
CHASE BANK USA, N.A.,
Plaintiff,
V.
KE111-1 A BAREFOOT,
Defendant
?
"?!s -z
NO.: 10-6630 CIVIL TERM
TYPE OF PLEADING:
AMENDED COMPLAINT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Submitted by: Plaintiff
Sarah E. Ehasz, Esquire
PA I.D. 86469
WELTMAN, WEINBERG & REIS,
CO., L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
Fax: (412) 434-7959
WWR # 8670972
IN THE COURT OF COMM6N PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A..,
Plaintiff
vs. Civil Action No. 10-6630 CIVIL `PERM
KEITH A BAREFOOT,
Defendant
AMENDED COMPLAINT
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice
are served, by entering a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be
entered against you by the court without further notice for any money claimed in the
complaint or for any other claim or relief requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOU'lI HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE 'I'O PROVIDE YOU WITH INFORMATION ABOUT AGENCIES TI-IAT MAY
OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO
FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD ST
CARLISLE, PA 17013
(717) 249-3166
AMENDED COMPLAINT
1. Plaintiff is CHASE BANK USA, N.A., a corporation with offices in 200 WHITE
CLAY CENTER DR, NEWARK, DE 1971 L.
2. Defendant, KEITH A BAREFOOT is an individual residing at 144 MILLERS GAP
ROAD, ENOLA, PA 17025.
3. At all times relevant hereto, Plaintiff was engaged only in those activities, including
transacting business in interstate commerce, that shall not be considered to be doing business
in this Commonwealth, as defined by 15 Pa. C.S.A. §4122.
COUNT I-BREACH OF CONTRACT
4. The averments contained in Paragraph 1-3 are incorporated herein by reference
thereto as though herein set forth at length.
5. On or about January 20, 1998 Defendant applied for a CHASE BANK credit card
from the Plaintiff.
6. Thereafter, Plaintiff made an offer to the Defendant to open a credit card account by
mailing a credit card, bearing a?count number XXXXXXXXXXXX8962, along with a
written cardholder agreement which contained the terms and conditions of said credit card to
the Defendant. A true and correct copy of the written cardmember agreement is attached
hereto and made a part hereof as Exhibit "1."
7. Defendant subsequently accepted Plaintiff's offer to open the above credit card
account by using said card to purchase goods, merchandise, and services.
8. Defendant continued to use the credit card to purchase goods, merchandise, and
services and take cash advances.
9. Defendant was periodically sent updated written terms and conditions for her Chase
Bank Credit Card Account. Those updates of the written terms and conditions for the
account are attached hereto and made a part hereof as Exhibit "2."
10. Each month, pursuant to the terms and conditions of the cardholder agreement, the
Plaintiff sent the Defendant a monthly statement setting forth the charges and payments
made, if any, by the Defendant and the applicable interest rate. A true and correct copy of
the Defendant's monthly statements from July, 2005 through November, 2010 are attached
hereto and made a part hereof as Exhibit "3." It should be noted that the balance returns to
ZERO numerous times during the course of these statements and the balance ends at the
balance sought in Plaintiff's Amended Complaint. All charges for which the Plaintiff is
seeking recovery are covered by these statements.
11. Pursuant to the terms ai?d conditions of the cardholder agreement, the Defendant was
required to pay the total balance due or in the alternative the minimum monthly payment as
stated in the monthly statements sent to the Defendant.
12. Defendant made periodic payments on the account with the last payment made on the
aforementioned account occurring on April 9, 2010.
13. Defendant has breached the terms and conditions of the agreement between the
parties by failing to pay the balance due or make the required monthly payment.
14. The current balance due and owing to the Plaintiff on the aforementioned credit card
account is $43,075.81.
15. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance
charges on any unpaid balances as described in the cardholder agreement and set forth on the
Defendant's monthly statement.
16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the
terms of the cardholder agreement by willfully failing and/or refusing to pay the principal
balance, finance charges or any part thereof to Plaintiff.
17. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of
the cardholder agreement provikles that he Defendant will pay Plaintiff's reasonable attorney
fees.
18. Plaintiff avers that such reasonable attorney fees shall amount to $300.00.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant,
KEITH A BAREFOOT in the amount of $43,075.81, with interest at the rate of 6.00% per
annum from September 29, 2010 to date of judgment, plus attorney's fees of $300.00 and
costs.
CO!JNT II-UNJUST ENRICHMENT
19. The averments contained in Paragraph 1 through 18 above, are incorporated herein by
reference thereto as though herein set forth at length.
20. Defendant has used his Chase Bank credit card to purchase goods, merchandise, and
services, make balance transfers and take cash advances.
21. By making use of said card, the Defendant has had a benefit conferred upon him
through the use and enjoyment of those goods, merchandise and services purchased.
22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the
principal balance, finance chakges or any part thereof due, as set forth in the monthly
statements, attached as Exhibit "3" and as such has improperly retained the benefit(s)
conferred upon him without payment of value in return to the Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant,
KEITH A BAREFOOT in an'amount not to exceed the arbitration limits plus 6% per annum
from the date of judgment, and costs.
Res ectfully Submitted,
Sarah E. Ehasz, Esquire
PA I.D. 86469
WELTMAN, WEINBER REIS, CO.,
L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
Fax: (412) 434-7959
WWR # 8670972
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EXHIBIT "2"
AM914.indd
IMPORTANT NOTICE REGARDING Last Save Date: 7-13-209910:21AM
CHANGES,TO YOUR ACCOUNT AND User Name' WylBe,Lance X(Card
YOUR RIGHT JO CANCEL YOUR ACCOUNT Stab'onlName: WML124191
We are sending you this notice to let you know that we will be making some
changes to your credit cardlaccount in response to market conditions, new fob Info
federal laws and regulation, and our increasing costs. These changes (see
below) will be effective witlp your NOVEMBER 2009 billing statement. Please Segment: Ponfofio
read below about your right to choose not to accept certain changes by
cancelling your account Campaign: August 04 CIT
(A) A Variable Rates section is added to your account, if not already Cell: na
in effect.
(B) If not already in effect, the Overdraft Advance APR will change to a WR 112622
variable rate, the Projte Rate plus [VAR8] , which as of July 15, 2009
would be (VAR9] . T is change applies to any overdraft advances (if Partner: CHASE ODP ONLY
applicable) on your base checking account RPC: None
"
The APRs in this se
on will apply to current and future balances on
your account unless 'you choose not to accept them. Creative
If these changes are acceptable to you, there is no need to contact us. The Format ID: CF006564
changes will take effect with your NOVEMBER 2009 Statement
YOUR RIGHT TO CANCEL YOUR ACCOUNT: YOU CAN CHOOSE NOT Component STa506766
TO ACCEPT THE CHANG8 IN THIS NOTICE BY CANCELLING YOUR Spec ID:
ACCOUNT. Mail Date: na
If you do not want to acc pt the changes regardless of whether your
l
account is closed, you ma
y do so by notifying us. Please call or write us
a letter advising us that you do not want to accept the changes. We'll Document size: _
need to receive this call ok letter no later than September 25, 2009. Trim Width 3.75'
Please be sure to include our name, address and account number Trim Height: 8.5•
and send the letter to: Caodmember Service, P.O. Box 15098, Fold Postiore None
Wilmington, DE 19850-5"8. Folded Size: None
Please note that if you ch a not to accept the changes:
• You'll still be respatst a for any outstanding balances on your account Fonts & Images
F
• Your card wil no long be available for use for new activity
including
,
purchases, as the acc Lint will be closed (if it is not already closed). ;M BT (Rornan, Cordlensed, Bold
miles you have earned will be forfeited unless you Condensed Italic, Bold Condensed),
• Any rewards points or
,
call us to redeem befo a your account is closed. Helvetka (Bold)
• If you have overdraft p?tection linked to your Chase checking account,
you vA no longer hav coverage once your credit card account is Images:
closed. None
Remember: Inks:
• Any promotional APR associated with your account will not be a FPO PCX
affected as long as yott continue to meet the terms of the promotional FPO Tech Notes
offer. For example, an late payments may cause the loss of your FPO variable
promotional APR. Also any Default APR/Late Payment APR terms will
continue to apply.
If you have any questions ?egarding these changes, please contact us by Note; __
______
calling the number located, on your billing statement or the number on the 10661000
back of your card.
Following are details about the amendments to the terms of your Cardmember
Agreement Please read all of the information and keep this notice for your
records.
AMENDMENTS TO THE AGREEMENT:
These changes will be effect ve the first day of your billing cycle that includes
November 1, 2009. You may notify us to cancel your account as described in
this notice. They will apply t current and future balances on your account. If
you were previously notified any of the changes described in this notice and
they are already in effect on our account, those terms will continue to apply.
Any other terms on your ac unt not described in this notice also continue to
apply.
(A) VARIABLE RATES. The ariabht Rates section of your Agreement, if not
already in effect, is added and reads as follows:
Corrrinues on next panel
ADV5914 1 08/09
ADV59I4:ndd 7 7127109 1o2oLAM
8670972
Continued from previous, panel
Variable Rates: One or )store APRs that apply to your account may vary
with changes to the Pri Rate. When you have an APR that varies with
changes to the Prime R e, we calculate the APR by adding a margin to
the Prime Rate publishe in The Wall Street Journal tvo business days
before the Closing Date ;hown an your billing statement. The "Prime Rate"
is the highest W.S.) Prince Rate published in the Money Rates section of
The bvall ShietJoumal. The Prime Rate is merely a pricing index. it is not
the iowest or the best ir#erest rate available to a borrower at any particular
bank at any given time. If The Wall Street Journal stops publishing the
Prime Rate, we will sele t a similar reference rate and inform you on
your billing statement orl through a separate notice. A "margin" is the
percentage we add to t* Prime Rate to calculate the APR. A "business
day" is any day that is nbt a weekend or federal holiday. The Rates and
Fees Table shows which rates, if any, are variable rates. it also lists the
margin for each vadablejrate and any minimum daily periodic rate and
corresponding APR. Two business days before the Closing Date shown on
your billing statement, 'e see what the Prime Rate is. We then add the
applicable margin to tha Prime Rate to get the APR. The daily periodic rate
is calculated as descri above. If our calculation results in a change to a
daily periodic rate from a previous billing cycle because the Prime Rate
has changed, the new to will apply as of the first day of your billing cycle
that ends in the calendaO month in which we made the calculation. If the
daily periodic rate increases, you will have to pay a higher periodic finance
charge and may have to'ipay a higher minimum payment
(B) ANNUAL PERCENTAGE RATE/APR. The standard APR below amends
your Rates and Fees Table.
Overdraft Advance APR
The Prime Rate* plus RAPB] , currently [VAR91
( [VAR10] daily periodic rate)
LAL
Estimated variable APRs above are based on the 3.25% Prime Rate on
July 15 2009. The "Prime Rate" is the highest (U.S.) Prime Rate published
in the Money Rates sectir)n of The Wall Street Journal as described in your
Agreement.
If you have any question' bout these amendments, please call us at
the number located an ybilling statement, or the number on the back
of your card or you can ao write us at Cardmember Service, P.D. Box
15098, Wilmington, DE 1150-5098
This notice informs you of changes to your agreement Please keep it w M
your original agreement
ADV5914.indd
last Save Date: 7-13-200910:21 A14
User Name: Wyllie, Lance X (Card
Services)
Station Name: VML124191
job Info
Segment: Portfolio
Campaign: August 09 CIT
Cell: na
WR #: 112622
Partner, CHASE GDP ONLY
RPC: None
Creative
Format ID: CF006584
Component 5TI-506766
SpeclD:
Mail Date: na
Document Size:
Trim Width: 3.75"
Trim Height BY
Fold Posbon: None
Folded S¢e: None
Fonts & Images- ___-_-__
f
Zunc BT (Condensed, Bold Condensed,
Condensed Italic, Roman, BoW Con-
densed Italic), Helvetica (Bold)
Images:
99991_bgo_v8LK Recyde4.t'd (Gray; 583
ppi; 51.41%)
Inks:
FPO PCX
FPO Tech Notes
FPO Variable
Notes:
10661000
Phase Bank USA, N.A.
August 2009
I
8670972 ADV5914:rKM 2
ADV5914
2
08/09
7127/O9 110:20:57 AM
The fallowing changes will apply autamaticaly (inot already in
effect an yaw actoustl, and are effective do first dry of your
billing cycle that includes August 1, 2009:
JE. F( BALANCE TRANSFER AND CASH ADVANCE FEES,
IMM WM PERIODIC FINANCE CHARGE The fees and
licence charge below, amend your Rates and Fees Tubb. AN
other fees continue to apply.
Balance Thensf n/Balaice Transfer Check Fee-
Finance Charge
5% of tr ..action (.*in- fee of S10,M, or such lesser fee
we may disdose.
Cash Advance / Cash Advance Check Fee - Fiance Charge
5% of transaction (mnkman fee of $1(LO01. a such lesser fee
we may Eisdoea.
Merriman Periodic Fieance Charge $1.50
(K any perk Fiance charge is payable for a bReg cycle)
The following changes wl apply moss you dome not to accept
them, and are effective the fast day of you being cycle that
Includes A." 1, 2009:
(GI BpUWCE TRANSFER CHECKS ASSESSED CASH ADVANCE
RATES AND FEES. The potion of the using Yon Accord
section of yaw Agrom aft the describes docks than access
you accrmt is amended. We am adding a new sentence at the
end, and this sentence is th only chaps you may loose to
accept or not within this section. The revised section wi read
as follows:
• Checks: We may an our sole dwemn provide you with
cash advance docks or balance trade checks as a
Way to use You W"-L We also reor to then in this
agreement as a deck or checks. You may use a dock
to pay he goods or services, to transfer bafarces to you
accord, or W other uuses we doac But you may amt
use Ouse dodo to transfer balenoes to this account
hen other accounts a bans with us or any of ou rented
crnpanies. Only the person whom mane a prided on
the clock may sign the check Cash advance checks as
treated as cash advances and' ' ,treater decks
are treated at Ixdance tranders except as noted in this
agteenom r arty eHe, we nuke m you. Any balance
transfer docks nesde payable to cash to you, r to train
persons or businesses as we will dada. to you, mft
in our sole daretim. be assessed cash a Name Merest
rates ad lots.
C7
ADVaSOt_inpd w
n< F:3.375'
(H) DEFAULT!RATES. The Default Rates section of yoro Agreement is
arnowled to add the following reason to impose the defauh APR on
your account.
• You! are in delauk under my otter agreement for arty other
am-" or ban with us or airy of our related companiees,
such as you fail to make a payment when due
N you haw a quesims about these amendments, please
call ra rt tlw,,gy' r on the back of your card or writs W
at Cardom obe(5 haarvice. Pa. Box 15098, Vatowgton,
DE 19850.5090.
This notice wdopns you el changes to your agreement. ftlease keep it
nim your aig-W-greemero.
ADV4507 6
INS132395
IMPORTANT NOTICE REGARDING CHANGES
TO YOUR ACCOUNT
We are sending you this notice to let you know that we wdl be making
same changes to your credit card account. These charges will be
effective as described below.
Here s a summary of the changes that win apply swam itifally,
effective with receipt of this notice:
(A) We reserve the right to decline any standard APO balance
transits transactions (neW ing balance transfer checks) on your
account.
(e) We may place limes on or stop your alec to make rash
advances and balance tremfers an this account.
(C) We we clarifying the different ways in which we may contact
you and the reasons why.
(D) We we also clarifying our rights to suspend you redo prii as
or stop features on Vow account, at our discretion.
e -*s a nownery of the ch.". that will apply aelomatk ally,
ffadiw with your August 2009 taternmL
(E) We are changing the balance transfer and cash advance
transaction fees to 5% of each balance trander or rash advance
transaction Imnnaan $10) unless we specify a lover fee that is
made available to you.
(F) We are changing the minimum fiance charge to SI.50 t any
periodic fnaNe charge is peyade for a big cycle.
Hues a summary of the chrges that you two a choice whethr or
net to accept. H accepted, day are effecaiw with your August 2009
statement.
IG) AnY balance transfer check made pays* to cash, to you, or to
indniAtals or businesses that we will notify you about, may he
assessed cash advance Werest rates and fees.
(H) Your Default APR on ft account maybe applied fr airy defxuf
such as We payment an other accounts r IoaK with us r one
of our related conryanies.
0 you accept these changes, there is no need to contact ea. The
changes will take effect with you August 2009 Satemem.
N you do or want to accept the changes, please cal or wee us a
letter advising us that you do not went to accept the changes. Well
need to receive this cal or Who no later than July 72, 2009. Please be
sure to Include you more. address and amount number and send the
letter a: Cardmember Suvim, P.O. Box 15098, Wilmington, DE
19850.5098
Please note that if you choose not to accept the changes:
• You'll stn be responsible for any outssinndng balances an you
accowL
• You cam will no longer be available for use for new activity,
including purchases, as the account will be closed.
• Any rewards pokes or miss you haw earned may be forfeited
unless you cd us to redeem before your sxoum is dosed.
H you have any questions regarding these charges, please contact
us by cling the mnuber on the back of your card
06/09 AOV4507 1 06/09
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30661068
8670972
Following are details about the amendments to the terms of your
Cardmember Agreement. Pease read all of the information and keep this
notice for your records.
AMENDMENTS TO THE AGREEMENT:
These charges will he effective as described below. They will apply to
caveat std frten Winces an your accaaL N you come previously
notified of any of the changes, described in this notice and they we
already in, effect an your accent, those tams will coeknre to apply.
Any other terra on your account not described in this notice also
contixse to apply. Whether a not you accept to dwnnges *9 you can
deride to accept or rot we may send you other notices in the hdure
regarding changes to your acemm terms.
The feRowiag changes wit apply automatieak (R not already I.
Wed we your aeco et), and are effective iamefatsly:
(A) BALANCE TRANSFER TRANSACTIONS. T1b ore suspending making
w Mining any bakntce Weaker Iramsadiom lirdudi g balance
tra ales checks) at the standard APR for such na oodian disclosed
it the Rates mid Fves TAb of your Agrearma. We may in ow
sole dSrcredon sake balance trader offers to you a allow balance
transfer tramaclian on year account in the Mwe
101 CREDIT ACCESS LINE Your Credit Accra Line section of your
Agreement a ahemded to provide thus we may We cash advance
anlror h I e tumlalrasections (e.g. to a potion of yaw credit
access Rini, and will sled as fol-
Cm& Access tint Yes credit access lie appears m yaw
billing statements. We may also refer to the credit access line
as a molvi g ere. Mmaaes oar your credit access fine may be
reread to a a nm+evMrhg fine. The credit access lime is the
maxinm amost open which you may dtm payment m yaw
xds m, skied to the midmum payment due. Thee is re preset
spending fermi for year account. hstesd, each charge a evaketed
based an the spending and payrmuu patens an to wdure,
your other relatprdmps with us, iaorraiot here convener credit
reports obtained hen wedk bureaus icbdsg your experience with
other creditors, and or wdersurdi g of Vote resources. We may
decline an sWior®tion request for my transaction at arty tine
as described in this agraerront. We may also request additional
reamaton from you at any now to evaluate a transaction mutest
or your use of de accost generally. We may link m temrete
your ably to aster cash advances and balance handers. We
may. for oanple, Gat crib advances w4br balance transfers
to a potion of your credit awxsss fine, and firs the dollar .mud
or maarbm at or tiro period avdade for. cash advances ands
balance transfers. Unless we notify Vest. cash advances, ncWng
cash advance clacks. ore hanged against the cash advance
podm olyow waft access fine; bean u.dw including
balance mender checks, we daged ageist the balance transfer
pinion of your deft awaits lint, and all other transactions; we
changed agaist year oa& acres, One. You ore mste sbe for
keeping sack of you account balance, ihdding any fees and
finance charges. This apemhent applies to any balance on you
2
aovawz?med z
F:3.5'
ace including any balance over your credit access line. At our
disc on, we may increase, reduce, or cancel your credit access
fire, the balance transfer portion or cash advance potion of your
creel axess fear, at any line. However, if you have asked us not
to s0. we wit at iaxease your chalk access fine. A charge 1.
your " access line vial not affect your obligation to pay us.
BALANCE ItANSFERS. Portions of your Agreement descrbrng balance
Imnsfers an I balance oansfa/sash advance transaction lees are anmrded
as flows:
Raba Trendarc We may in err sale discretion pemuk you to
er balancn otheraccountsorloans with oder dedil
cod .= enders to this account or other balance
ban am we nay .pow. But you may not transfer haences to this
acc loom otter accounts a bars, with do or any of ms retied
N a portion of a reparsted balance transfer wip exceed
yaw deft access Fine fa balance tranlas, m may
W a partial bainee traulc up to your milable credit access
Fie balance tramiers
if rmy Tess f Bahoea Tei?ate VA may charge you
e arier fee e in the amount stated is to Rates and Fees
ance hasher de cks amd balance barriers,
or d maces disclosed with the dyads we may provide
yow rarolieal o0c, a at the time of the I ensacin.
9t-id awcbm fees au forance charges. We add t e lee to
far the nalated category a of to transacti n date d
ce wim For neumpe a transaction fee fwa balance
wabe added to you balance tansfer balance.
iQ NOW The'NaicWCharge of Personal kdmndien" section of
your AC names is lessened and amended to daily the mamer in
whidt communicate with you, as folbwc
CO UNIFATIQNWCHANGE OF INFORMATION. TAme will send
cad , billing scientists; and other to you at any
,laser in our files R you change your rants, address, or
dry this dzmad'information such as am/ takphone marker or
emit silver, you mat nosily dins inm iliady n w kig at the
addr shmm an your billing statement. Numbers and addresses
you ide include duce you give to; ardor those loom which
you lad ha.1Ne may, t Sets option, accept mapng address
can ken the Invited tales Postal Service and obtain
t water., rtedmg address and can ul address mfamatnn
iron parties.
O dm was person is responsible fa this accewt, v.•e can
sad steterxms and mnrradcakms to ary of you. Notice
to of you wit be considered notice to all of you and al Of you
will ' obligated on the aaarM You agree to pay any feels)
a s) der you may nos for incoming camunicalons from
us, rasping carmnunicatio s to us. without minallunuarrient
ken
you Whorl l us. a anyone acting on our beloN, to cad or send
3
F:3.5'
a tent message to any number you provide w to any number
where we reasonkly believe we can contact you, including
cabs to -bk, ceWar, or similar devices, and calk using
automatic telephone defeg systems and/or prerecorded
messages, or to send en -1 to arty address where m
reasonably believe we dsn cornact you Cal, and narsmges
may be made for any W J purpose, ncWkg but not fineed
to: suspected traced a ideally shell' obtaining inforrinalitar. yaw
account transadruhs or servicing; cclectig an your account;
and provide g you information about products and services.
(Dl CLOSING AND SUSPENSION. The "Cbsi g Your Account"
section is m named and amended to chanty war rights to suspend
went privileges or leatores m your account ant the reasons we
may close your account
CLOSING/SUSPENDING YOUR ACCOUNT. You may dose your
account at any tine. B you cal us to close your account, m
may require the you cord- yow request in writing. &tapl as
molumad by applicable firm and widwat prior not". ne may
dose Year a:cewd or suspect your made suilegirs or any
feature m your accaen at any tine for dry region, including
account Inactivity. U Vae dose your account or susperal your
credit pdvkges or dry feature, m will not be label to you
la any d nzepsmtes resulting tart/ any such action. If you
or we dose you account, you antd dry authorized users mat
immeddey stop using your account and dab" Y cards,
checks or other asses u access yaw ac9PI1M a retarm diem
to es upon MVJNL You will continue 10 be resplardile (or
charges to your account, even if they we made or pnecrssed
afar your account is dosed end you will be requi al to pry the
outstanding balance an yaw account standing to the terms of
din agonarent. In addition, to the agent allowed by is% no
may require you to pay the outsundkg balece kaaredraey in
at any firma after your account is cloud.
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AK: Noe
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ID661000
8670972
ADV10607
Cardmember Agreement
AGREEMENT ACCEPTANCE AND AMENDMENTS
Acceptance: This Cardmember Agreement (the "Agreement") is effective February
22, 2010. This Agreement or any portion of it could become effective on an
earlier date because of new federal law. This Agreement incorporates by reference
all of the numerical rates and fees (including those set forth in your previous
Rates and Fees Table as it may have been amended or superseded) that are
applicable to your account ("Account") as of February 22. 20110 (or such earlier
date that this Agreement or any portion of it becomes affective). Your revised
CardmemherAgreement also incorporates by reference any promotional program
terms set forth in your previous Rates and Fees Table. This Agreement governs
your credit card Account. You promise to pay for all transactior , interest charges
and fees assessed on your Account, and any past due amounts. The words "we;
"us' and 'our mean Chase Bank USA, N.A., which is the issuer of your credit
card and lender for your Account. The words you; your,' and yours' mean
everyone responsible for this Account, including the person who applied for the
Account and the person to whom we provide the billing statlmenis. The word
card' means each card or other access device, such as Account numbers, that
we give you to use your Account.
Amendments: We have the right to change the terms of tliis Agreement for
any reason, and in any respect, by adding, deleting or modiNing any provision,
including APRs, fees, the Minimum Payment and other te?s. We can add a
new provision without regard to whether the provision d Is with a matter
already addressed by this Agreement
In certain circumstances, we are required by law to notify ou of changes to
the terms of this Agreement, and in other circumstance we may not be
required to do so. When required by law to advise you tha you have a legal
right to reject any changes we make, we will provide an rjzplanation about
how to do that.
In some circumstances, APRs or other aspects of your Account may change
even though the terns of the Account do not change, for ample when the
Prime Rate changes orthe Penalty APR becomes applicabl . See the Penalty
APR section about our right to increase APRs on outstandin balances and/or
future transactions for events of default including late pay ent.
USING YOUR ACCOUNT
Your Account is to be used only for personal, family or household purposes.
You promise that you will not allow your Account to be fused for Internet
gambling, and you will not use it for any unlawful purposes or transactions,
including check kiting.
Authorized Users: If you let anyone use your Account, that person is an
authorized user. You may request another card for each authorized user. If you
do, this Account may appear on the authorized user's cre t report. You are
responsible for all use of your Account including charges by authorized users.
You must tell us if you want to stop an authorized user from u ing your Account.
If you do, we may close the Account and issue a new card() with a different
Account number. It is your responsibility to get any cards, checks or any other
means of access to your Account from the authorized user anjd destroy them or
return them to us upon request.
Billing Cycles/Stalements: Your Account will have time periods called 'billing
cycles" or 'billing periods' Each billing cycle is about one m`11nth in length. We
will provide a billing statement each month one is required b applicable law.
Credit Access Line: We may also call this a revolving line. We ill assign a credit
access line to your Account. Amounts overyour credit access li a may be referred
to as a non-revolving line. The credit access line is the maxi um amount upon
which you may defer payment on your Account, subject to the inimum Payment
due. Your statement will show the amount of your credit ac ss line as of the
date of the statement. There is no pre-set spending limit r your Account.
Instead, each charge is evaluated based on the spending and yment patterns
on the Account, your other relationships with us, informatio from consumer
credit reports obtained from credit bureaus including your ex ence with other
creditors, and our understanding of your resources. We may decline an
authorization request for any transaction at any time as escribed in this
Agreement. We may also request additional information from you at any time
to evaluate a transaction request or your use of the Account.
We may restrict the extent to which your Account can be used for different types
of transactions (for example, purchases, balance transfers and/or cash advances)
such as by limiting the dollar amount or number of or time period available for
any such transactions, and we may completely prohibit use of your Account for
particular types of transactions. You are responsible for balances on your Account
including amounts charged in excess of your credit access line. We may change
or cancel your credit access line without telling you ahead of time. If we do, it
will not excuse you from your obligations to pay us.
Lost or Stolen Cards, Checks or Account Numbers: If you lose or someone
steals your card or any other means to access your Account, or if you think
someone has used your Account without your permission, you must tell us
immediately. Call the Cardmember Service telephone number on your card or
billing statement. Do not use your Account after you notify us. We may end your
credit privileges and close your Account if we consider it appropriate. You agree
to provide us information to help us find out what happened.
TYPES OF TRANSACTIONS AND AUTHORIZATIONS
Purchases: You may use your card to pay for goods or services.
Balance Transfers: In our discretion, we may allow you to transfer balances
from other accounts or loans from other credit card companies, other lenders
or other balance transfers we may allow, using balance transfer checks we
provide or our website, or by calling us to make the transfer on your behalf.
Those uses are "balance transfers'. You are not authorized to transfer balances
to this Account from other accounts or loans with us or any of our related
companies. If you request a balance transfer but do not have enough available
credit, we may transfer only a part of the requested amount.
Cash Advances: You may use your card to get cash from automatic teller
machines or from banks that accept the card, or by using cash advance checks
we may provide. Also, we will treat as cash advances any balance transfer checks
made payable to cash, you or other payees we disclose to you. All the following
uses of your Account will be treated as 'cash advances': purchasing travelers
checks, foreign currency, money orders, wire transfers or similar cash-like
transactions: purchasing lottery tickets, casino gaming chips, race track wagers
or similar betting transactions: and making a payment using a third party service.
Types of Checks/Refusal to Pay Checks: Each balance transfer check or cash
advance check you write is your request for funds. We may also call them a
check oran access check. The check must be signed by the person whose name
is printed on it. When we receive an access check for payment, we may review
your Account to decide :whether to pay that check. We have the right not to pay
a check for any reason, including but not limited to the following examples:
• We or one of our related companies is the payee on the check.
• The check is post-dated. If a post-dated check is paid, resulting in another
check being returned or not paid, we are not responsible-
• You have used the check after the date specified on it.
• You are in default or would be if we paid the check.
Overdraft Advances: You may link this Account to cover overdrafts on a checking
account with one of our related banks. The terms of this Agreement and your
checking account agreement will apply.
Promotions: We may make special offers for you to use your Account. If we do,
we will tell you how those offers will work and how long they will last. Any special
offer is subject to the terms of this Agreement, unless we explain otherwise in
the offer.
Refusal to Authorize Transactions: We may decline any transaction on your
Account for any of the following reasons:
• operational matters,
• your Account is in default,
• suspected fraudulent or unlawful activity, or
• any other reason we choose.
We are not responsible for arty losses if a transaction on your Account is declined
for any reason, either by us or a third party.
86T%?79r5
PAYMENTS
Minimum Payment: You must make your Minimum Payme t in a way that we
receive it by the time and date it is due. You may make payments greater than
your required Minimum Payment. This will reduce the interest charges that are
added to your Account.
Your Minimum Payment will ordinarily be the largest of:
• S[VAR21 (or total amount you owe if less than S[VAR21); or
• [VAR31% of the New Balance; or
the sum of 190 of the New Balance, the periodic interest charges and late fees
we have billed Vou en the statement for which vour Minimum Pavmert is
calculated.
As part of the Minimum Payment, we will also add any amount past due and rte
reserve the right to add any amounts in excess of your credit access line. Even
if the Minimum Payment does not include amounts in excess of your credit
access line, you must pay such amounts when billed on your monthly statement
or sooner if we ask you to.
Except for Blueprint payment plans that may be offered to you. if you have agreed
to the terms of a promotional financing transaction with a spe ific fixed payment,
that amount will be added to and become part of your required Minimum
Payment.
Payment Instructions: You agree to pay us amounts you owe in U.S. dollars.
You must use a check, money order or electronic debit drawn on a US bank or
a foreign bank branch in the U.S. We will not accept cash payments through the
mail. When we receive or apply a payment, we might not restore your available
credit by that amount for up to 15 days.
For mailed payments, your billing statement and the envelope it comes in give
you instructions about how, when and where to make your p ments. You must
follow these instructions. Your payment will not be crediteO to your Account
before we receive it at the address we specify for receipt of payments and in
accordance with the payment instructions.
If you make a payment marked as paid in full or indicate tat it is to pay all
amounts you owe us, you must send that payment to the special address on the
back of your statement. That address is called the *Conditional ayments' address.
We may accept a conditional payment and not agree that it pays all amounts you
owe on your Account. Also, we may return a conditional pa ment to you and
you will still owe us the amount of the payment or any other mounts owed on
your Account.
You authorize us to collect any payment check either electronically or by draft.
We can collect your payment checks electronically by sending ?he check number,
check amount, account and routing numbers to your bank. Or we can collect
these checks by sending a draft drawn on your bank account. Funds may be
taken from your bank account on the same day we receive Our payment. We
will not keep your original check, just a copy of it.
You may use our optional services to make payments electro ically through our
webslte, our automated telephone service or our Customer Sjrvice advisors, or
using our Autopay feature. We will provide the terms for these payment services
before you use them.
Payment Crediting/Allocation: We will apply payments equal
required Minimum Payment amount and any credits to balance
in a way that is most favorable to or convenient to us. Genes
required by law, we will credit payments over the required N
to balances with the highest APR first. We will then credit p
rate balances in descending order of APRs. The manner in w'
payment to yourAccount balances may affect the amount of an
to introductory or promotional financing balances. This m;
amount of any payment to be made under a Blueprint paymen
offered to you.
Credit Balances: You may request a refund of any credit bal
Otherwise, we will apply it to any new charges on your Accor
refund to you as required by law.
Automatic Charges: You may allow others to automatical
transactions to your Account. You will be responsible
arrangements to make those payments if they are stopped for
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ADV10607
- your Account is closed or suspended, or
- your Account number changes.
PERIODIC INTEREST CHARGES
Daily Interest Rates and Annual Percentage Rates: To get the daily interest
rate we divide the APR by 365. APRs are either introductory, promotional,
standard or Penalty APRs.
Periodic Interest Charge Calculalion-Daily Balance Method (including current
transactions): We figure periodic interest charges for each billing cycle.
• We begin with each existing balance for each type of' ransaction (for example,
purchases, balance transfers, cash advances, overdraft advances, and each
promotion). We may combine different transaction types with the same daily
interest rates.
• We figure the 'daily balance' for each transaction type. We take the beginning
balance for each day. We add any periodic interest charge from the prior day's
daily balance. This results in daily compounding of interest charges. We then
add any new transactions or other debits (including fees and unpaid interest
charges), and subtract any payments or credits. We treat any net credit balance
as a zero balance. This gives us the daily balances for each type of transaction.
• We figure the periodic interest charges on your Account by multiplying the
daily interest rate by the 'daily balance' of your Account for each transaction
type, each day in the billing cycle.
• The total periodic interest charges for the billing cycle are the sum of the daily
periodic interest charges for each transaction type for each day during that
billing cycle. If any periodic interest charge is due, we will charge you at least
the minimum interest charge, plus any other finance charges (for example,
transaction fees).
We add a new purchase, cash advance, balance transfer or overdraft advance,
if applicable, to the daily balance on the date of the transaction, or a later date
of our choice. We add a new cash advance check or balance transfer check to
the daily balance on the date the payee deposits the check or a later date of our
choice. We add fees either on the date of a related transaction, the date they are
posted to your Account, or the last day of the billing cycle, whichever we may
choose.
For each transaction type we calculate a Balance Subject to Interest Rate for the
billing cycle by adding all your daily balances and dividing that amount by the
number of days in the billing cycle. We may use mathematical formulas that
produce equivalent results to calculate the Balance Subject to Interest Rate,
periodic interest charges and related amounts.
Paying Interest: We begin assessing periodic interest charges on a transaction,
fee, or interest charge from the date it is added to your daily balance as described
in this Agreement until your Account is paid in full. Your due date will be a
minimum of 21 days following the close of each billing cycle. You can avoid
periodic interest charges on new purchases when they are first billed to a
statement, as described below, but not on cash advances, balance transfers or
overdraft advances.
If you receive a current monthly statement that includes new purchases, and
then make a payment thatwe receive by the date and time the Minimum Payment
is due for that statement, we will not charge periodic interest on arty portion of
the new purchases on that statement that we allocate such payment to, so long
as your current statement also shows that we received payment of the ending
balance for your previous month's statement by the date and time its Minimum
Payment was due or thatthe ending balance foryour previous month's statement
was zero. If you have a balance other than a purchase balance and the other
balance carries a higher periodic interest rate, you may not be able to avoid
periodic interest charges on new purchases if you do not pay your balance in
full each month, because we generally allocate payments first to the balance
with the highest periodic interest rate.
Penally APR: The Penalty APR will be applicable to your Account if you:
• fail to make any Minimum Payment by the date and time due (late payment);
• make a payment to us that is returned unpaid; or
• do any of the above or exceed your credit line on another account or loan you
have with us or any of our related companies.
Before we apply the Penalty APR on any type of transaction or balance, we will
provide you arty notice required by law in advance that tells you which future
transactions and/or outstanding balances are subject to the Penalty APR and
when the APRs will increase. If we do not increase your A Rs to the Penalty
APR when any of these events occur, we reserve our right to i 'ease your APRs
to the Penalty APR if any of these events occur in the future-
If your APRs are increased on any type of transaction for any of the reasons
above, the Penalty APR will be applicable indefinitely to future transactions of
that type that occur more than 14 days after we provide yo4 notice about the
APR increase.
If we do not receive any Minimum Payment within 60 days ofthe date and time
due, the Penalty APR will be applicable to all outstanding balances and future
transactions on your Account. However, it we receive six con ecutive Minimum
Payments by the date and time due beginning with the first tayment due after
the effective date of the increase, we will stop applying th¢ Penalty APR to
transactions that occurred prior to or within 14 days after we provided you notice
about the APR increase. For balances that we stop applying the Penalty APR to,
we will apply APRs that would have applied at that date if the! Penalty APR had
never been applicable.
See the Amendments section about our rights to increase APRs and make other
changes to your Account for any reason.
Variable Rates: When you have an APR that varies with changes to the Prime
Rate, we calculate the APR by adding a margin to the Prime ate published in
The Wall Street Joumal two business days before the Closi Date shown on
your billing statement. The *Prime Rate' is the highest (U.S.) Pri a Rate published
in the Money Rates section of The Wall StreetJoumal. A'bu iness day' is any
day that is not a weekend or federal holiday. The APR will c nge if the Prime
Rate changes. The new rate will be applied as of the first day o your billing cycle
during which the Prime Rate has changed. If the APR increases, you will pay a
higher interest charge and may pay a higher Minimum Payment. The Prime Rate
is simply a pricing index and is not the lowest interest rate available- If The Wall
Street Journal stops publishing the Prime Rate, we will select al similar reference
rate.
OTHER FEES AND CHARGES
We may charge the following fees. Transaction fees are ad ed to the related
balance for the type of transaction. All other fees are added to the balance for
purchases.
Annual Membership Fee: If your Account has an annual fee or similar charge,
it will be billed each year or in installments whether or not you#se your Account,
and you agree to pay it when billed. The annual fee is non-refu dable unless you
notify us that you wish to close your Account within 30 day of our providing
the statement on which the annual fee is billed and at the sa0e time, you pay
your outstanding balance in full. Your payment of the annual f e does not affect
our rights to close your Account and to limit your right to mare 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.
Foreign Transactions/Fees: A Foreign Transaction fee is a ee which will be
applied to transactions that take place outside of the United tates, even if the
currency used is U.S. Dollars. If a transaction is in a forei n currency, Visa
International or MasterCard International will convert the tra ction into U.S.
dollars by using their own currency conversion procedures. T he exchange rate
will be determined in one of two ways. Either the rate will core a from the range
of rates available in the wholesale currency markets for thej processing date
(which may be different from the rate the card associatio receives) or a
government-mandated rate in effect on that date. The exchange rate used may
differ from the rate on the date of your transaction.
We may charge a Foreign Transaction fee that is a percentage f the U.S. Dollar
amount of any foreign transaction as provided to us from Vi or MasterCard.
These Foreign Transaction fees are finance charges. The same process and
charges will apply again it any Foreign Transaction is reversed
Late Fee: We may charge a late fee if we do not receive at least the required
Minimum Payment for any billing cycle by the date and time it is due. If the
amount of the late fee is based on a balance, we will use the iota Account balance
at the end of the day that the late fee is charged to calculate t tie fee. This date
may be as early as the due date for the late payment.
Minimum Interest Charge: We may charge no less than the minimum interest
charge if any periodic interest charge is due for a billing cycle.
Return Check Fee: We may charge a return check fee it-
• we stop payment on a cash advance check or balance transfer check at your
request, or
• we refuse to pay a cash advance check or balance transfer check.
Return Payment Fee: We may charge a return payment fee if:
• your payment check or other type of payment is not honored,
• an automatic debit or other electronic payment is returned unpaid, or
• you did not sign your payment check or it cannot be processed.
Service Fees: We may charge fees if you request a copy of a billing statement,
sales draft or other record of your Account, or if you request two or more cards
or any special services (for example, obtaining cards on an expedited basis).
However, we will not charge fees for copies of documents requested for a billing
dispute. Service fees may change from time to time. We will inform you of the
fee in effect prior to when the applicable service is provided.
Transaction Fees for Balance Transfers and Cash Advances: We may charge
you transaction fees for balance transfers and cash advances. These transaction
fees are finance charges and are added to the balance for the applicable category
of balance transfers or cash advances as of the date of that transaction.
DEFAULT/COLLECTION
Your Account may be in a default if any of the following applies:
• we do not receive at least the Minimum Payment by the date and time due as
shown on your billing statement.
• you fail to comply with the terms of this Agreement or any other agreement
with us or one of our related companies.
• we obtain information that causes us to believe that you may be unwilling or
unable to pay your debts to us or to others on time.
• you file for bankruptcy.
• you become incapacitated or die.
If your Account is in default, we may close your Account without notice and
require you to pay your unpaid balance immediately. To the extent permitted by
law, if you are in default because you have failed to pay us, you will pay our
collection costs, attorneys' fees, court costs, and all other expenses of enforcing
our rights under this Agreement.
CLOSING/SUSPENDING YOUR ACCOUNT
You may close your Account at any time. We may require you to provide a closure
request in writing. Except as required by applicable law, we may close your
Account or suspend your credit privileges or any feature on your Account at any
time for any reason, including Account inactivity, without notice. If we close your
Account or suspend your credit privileges or any feature, we will not be liable
to you for any consequences that result. If you or we close your Account, you
and any authorized users must stop using yourAccount immediately and destroy
all cards, checks or other means to access your Account or return them to us
upon request You will continue to be responsible for charges to your Account
according to the terms of this Agreement.
CREDIT INFORMATION
We may review your credit history by obtaining information from credit reporting
agencies and others. We may report information about you and your Account
to credit reporting agencies. If you request additional cards on your Account for
others, we may report Account information in your name as well as in the names
of those other people. If you think we have reported information to a credit
reporting agency that is not correct, you may write to us using the Cardmember
Service address listed on your billing statement. Please include your name,
address, Account number, telephone number and a brief description of the
problem and a copy of the credit reporting agency report if you have it. We will
investigate the matter If our investigation shows that you are right, we will
contact each credit reporting agency to which we reported the information and
will request they correct the report. If we disagree with you after our investigation,
we will tell you in writing or by telephone.
COMMUNICATIONS/CHANGE OF INFORMATION
We can provide cards, billing statements and other communications to you at
any mailing address or email address shown in our records- If you change your
867PttgE T3 5 ADV10607
contact information such as any mailing address, telephone number or email
address, you must notify us immediately in writing at the dress shown on
your billing statement. Telephone numbers you provide incl a those you give
us and/or those we obtain from caller ID processes. We ma obtain telephone
number, mailing address and e-mail address information flrom you or third
parties, and we may accept mailing address corrections from the United States
Postal Service.
If more than one person is responsible for this Account, we Ran provide billing
statements and communications to any of you. Notice to dne of you wilt be
considered notice to all of you. You all will remain obligated 64 the Account. You
agree to pay any fee(s) or charge(s) for incoming commurlicatiuns from us.
and/or outgoing communications to us, without reimbursement from us.
You authorize us, or anyone acting on our behalf, to call or send a text message
to any number you provide or to any number where we reasonably believe we
can contact you. These include calls to mobile, cellular, or signilar devices, and
calls using automatic telephone dialing systems and/or prerecorded messages.
We may also send an email to any address where we reasonably believe we can
contact you. Some of the legal purposes for calls and messages include:
suspected fraud or identity theft; obtaining information; trdnsactions on or
servicing of your Account; collecting on your Account; and providing you
information about products and services.
TELEPHONE MONITORING AND RECORDING
We and our agents may listen to and record your telephone palls with us. You
agree that we and our agents may do so, whether you or we initiate the telephone
call.
ENFORCING THIS AGREEMENT
We can delay enforcing or not enforce any of our rights under this Agreement
without losing our right to enforce them in the future. If any o? the terms of this
Agreement are found to be unenforceable, all otherterms will remain in full force.
ASSIGNMENT
We may assign your Account, any amounts you owe us, or an of our rights and
obligations under this Agreement to a third party. The assign?e will be entitled
to any of our rights that we assign to that person.
GOVERNING LAW
THE TERMS AND ENFORCEMENT OF THIS AGREEMENT ANdYOUR ACCOUNT
SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL
LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE,
WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES' THE LAW OF
DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATjD, WILL APPLY
NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT.
FOR INFORMATION
Please call the Cardmember Service telephone number on yqur card or billing
statement if you have any questions about your Account or t os Agreement.
YOUR BILLING RIGHTS: Keep this Document for Future se
This notice tells you about your rights and our responsibiliti s under the Fair
Credit Billing Act.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENt
If you think there is an error on your statement, write to us on a separate sheet
at the Cardmember Service address shown on your billing statement.
In your letter, give us the following information:
• Account information: Your name and Account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe
what you believe is wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is
want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may
do we are not required to investigate any potential errors and
pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
if you
us, but if you
may have to
When we receive your letter, we must do two things:
1.Within 30 days of receiving your letter, we must tell you that we received your
letter. We will also tell you if we have already corrected the error.
2.Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.
While we investigate whether or not then: has been an error.
• We cannot try to collect the amount in question, or report you as delinquent
on that amount.
• The charge in question may remain on your statement, and we may continue
to charge you interest on that amount.
While you On not have to pay the amount in question, you are responsible for
the remainder of your balance.
• We can apply any unpaid amount against your credit access line.
After we finish our investigation, one of two things will happen:
• If we made a mistake, You will not have to pay the amount in question or any
interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in
question, along with applicable interest and fees. We will send you a statement
of the amount you owe and the date payment is due. We may then report you
as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write
to us within 10 days telling us that you still refuse to pay. If you do so, we cannot
report you as delinquent without also reporting 'that you are questioning your
bill. We most tell you the name of anyone to whom we reported you as delinquent,
and we must let those organizations know when the matter has been settled
between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of
the amount you question even if your bill is cortect_
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD
PURCHASES
If you are dissatisfied with the goods or services that you have purchased with
your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on
the purchase.
To use this right, all of the following must be true:
1.The purchase must have been made in your home state or within 100 miles
of your current mailing address, and the purchase price must have been more
than $50. (Note: Neither of these are necessary 0 your purchase was based
on an advertisement we mailed to you, or if we own the company that sold
you the goods or services.)
2.You must have used your credit card for the purchase. Purchases made with
cash advances from an ATM or with a check that accesses your credit card
Account do not qualify.
3.You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase,
contact us in writing on a separate sheet at the Cardmember Service address
shown on your billing statement.
While we investigate, the same rules apply to the disputed amount as discussed
above. After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay, we may report you as
delinquent.
The following describes separate terms for Blueprint payment plans we may
offer you, and are not part of your Cardmember Agreement.
PAYMENT OFFER - FINISH ITsM AND SPLITSM
This Section explains our Finish It and Split plans, which apply 0 offered to you
and you accept it_
Finish It lets you select a portion of your balance. Split lets you select a specific
purchase. For both, you can establish payments to pay off ahead of your regular
schedule. We call both these features your Plan.
867AQ
W 35 ADV10607
The amount of the payments you establish under your 'Pla? Payment" will be
shown on your monthly statement. It is separate from your equired Minimum
Payment.
Your Plan Payment will be included in your 'Blueprint Paym?nt". This will also
be shown onyour monthly statement. The Blueprint Paymentlso includes your
required Minimum Payment amount. The actual required inimum Payment
will be shown on your monthly statement. Making your full Blueprint Payment
will satisfy your required Minimum Payment_
These Plans are optional features of your Account. You must make your required
Minimum Payment by its due date. However, not making your blueprint Payment
will not put your Account in default. If you do not pay enough to satisfy at least
your required Minimum Payment, your Account will be in default. Then, we may
take any of the actions explained in this Agreement.
Interest Charges associated with your Plan Balance(s) will be figured the same
way as those for the category of balance from which you selected your Plan
Balance(s).
Even if you make your required Minimum Payment, we will remove your Plan
from your Account if you do not make at least half of your Plan Payment (a) for
3 months in a row or (b) for any 3 months in a rolling 6 month period. Also, if
you ask us to, we will remove the Plan from your Account. It ? our Account is in
default, the Plan may be removed from your Account.
If a Plan is removed from your Account, your Plan Balances($) will move to the
category of balances from which you selected your Plan Balance(s). They will
be treated as those balances for all purposes.
If there are balances on your Account with a higher Annual Pe(centage Rate than
your Plan Balances, generally we will credit payments over the required Minimum
Payment to balances with the highest rates first. We will theft credit lower rate
balances in descending order of the value of those rates. This may affect the
amount of any payment to be made to Plan Balance(s).
PAYMENT OFFER - FALL PAYSM
This Section explains our Full Pay plan, which applies if it is offered to you and
you accept it.
The Full Pay feature lets you select one or more types of Purchases to be
separated out on your monthly statement- You can pay these in full every month.
The total of the types of purchases you pick is called your Full Pay Balance.
The amount of the Full Pay Balance is totaled at the end of each billing cycle. It
is separate from your required Minimum Payment.
The Full Pay Balance amount will be included in your "Blueprint Payment'. This
will also be shown on your monthly statement. The Blueprint Payment also
includes your required Minimum Payment amount. The actual required Minimum
Payment on your Account will continue to be shown on your monthly statement.
Making your full Blueprint Paymentwill satisfy your required Minimum Payment.
If you do not pay enough to satisfy your Blueprint Payment by its due date,
interest on the unpaid Full Pay Balance will be charged. This interest will start
on the 1 st day of the billing cycle in which you did not make your payment. As
long as you make your regular required Minimum Payment by its due date, not
making your Blueprint Payment will not put your Account in default.
Interest Charges are not calculated on your Full Pay Balance as long as you are
active in the Blueprint plan and pay your Blueprint Payment in full by your
payment due date.
If you do not pay your full Blueprint Payment by your payment due date for 3
months in a row, we may remove the Plan from your Account. Also, if you ask
us to, we will remove the Plan from your Account. If your Account is in default
for any of the reasons stated in this Agreement, we may remove the Plan from
your Account.
If a Plan is removed from your Account, the unpaid Full Pay Balance will be
treated the same as Purchases. We will apply the Purchase APR interest rate on
the unpaid Full Pay Balance beginning the 1 st day of the cycle in which the Plan
was removed.
Generally, we will credit payments over the required Minimum Payment foryour
Account to balances with the highest rates first. We will then credit lower rate
balances in descending order of the value of those rates- This may affect the
amount of any payment to be applied to Full Pay Balance(s).
Copyright 19)2009 JPMorgan Chase & Co. All rights reserved.
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IMPORTANT NOTICE
REGARDING CHANGES TO YOUR ACCOUNT
RE; Yrmr Ch- Account ending in (VARII
We are sending you this notice to let you know that we will be
making some changes to you credit card account in response
to market conditions and to maintain profitability on your
account. These changes will be effective with your MAY 1009
stateunent.
Here's a summary of the key changes:
• The standard Annual Percentage Rate IAPR) for
non-promotional puchases and balance transfers will
change to: the Prime Rate plus 14.99%, which as of
February 17, 2009 would be 18.14%.
• The standard APR for cash advances will change to: the
Prime Rate plus 15.99%, which as of February 17, Z009
would be 19.24%.
Important: Please know that you have options.
• You can accept die APR changes. There is rin need to
contact us. The APR charges wig take effect with your
MAY 2009 Statement OR
• You can decide not to accept the APR changes.
If you do not want to accept the APR changes:
Please call or write us a letter advising us that you do not
want to accept the APR changes. We71 reed to receive
this letter or cal no later than April 2D. 2009. Please be
sure to include your name, address and account number
and send the letter to: Cardmember Service, P.O. Box
15098, Wikrdngton, DE 19850-5098.
Please note that if you choose not to accept the APR changes:
• You'll still be responsible for any outstanding balances on
your account.
• Your card will no leng" be available for use for new
activity, including purchases, as the account will be
dosed
• Any rewards points or miles you have earned may be
forfeited unless you call us to redeem before dosing your
account.
Remember:
• Any promotional APRs associated with your account will
not be affected as long as you continue to meet the tents
of the promotional offer. For example, any late payments
may cause the loss of your promotional APR. Also, any
Default APR/Late Paymem APR terns will continue
to apply.
If you have any questions regarding these charges, please
contact us by calling us at the number provided on the back of
your card
Comieves en rrexr tutor/
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Following are details about the amendment to the terns CLOSING YOURACCOUNT.
of Vow Cardmember Agreement. Please read all of the The portion of tW Closing Your Account section of your
information and keep this notice for your records. Agreement that shows the reasons vie may close your account
is amended to red as follows:
AMENDMENTS TO THE AGREEMENT:
These changes wig be effective the first day of your billing Except as required by applicable lawn, and without prior
cycle that includes May 1, 2009. They wi8 apply to currant notice. tray dose your account or suspend your credit
and fuhee balances on your account. H you were previously pnv4eges? at arty time for any reason, including account
notified of any of the changes described in this notice and they inacliviryi 8 we dose your account, we will not be liable,
are already in effect on your account those terms will coninue to you foil arty consequences rewhing from closing your
to apply. Any other terns on you account not described in account dr suspending your credit privileges.
this notice also continue to apply. Whether or not you accept
the APR charges, we may send you other notices in the future OTHER NOTICES1
regarding changes to your accaud terns. The principal fad4r we considered in amending your account is
maintaining profitjbiily on you account
The fepowi
n9 changes will apply unless you choose not to
accept them: The federal Equal redo Opportunity Act prohibits creditors from
ANNUAL PERCENTAGE RATE/APR. The standard discriminating all inst credit applicants on the basis of we,
non-promolioral APR(s) below amend vow Rates and color, religion, t oral origin, sex, marital status, age fluovided
Fees Table. the applicam has h the to enter into a binding contract);
because all ll a par of f the appgcanCs income derives from any
Purchase APR public assistance mignon; or because the applicant has in good
The Prime Rate' plus 14.99%. mainly 18.24%10.04997% faith exercised an r right under the Consumer Credit Protection
daily periodic ratel Act. The federal a ncy that administers compliance with this
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The Prime Rate' pits 14.9996, currently 18.24% (0.04997% Suite 3450. Ho , TX 770169050.
daily periodic rate)
If you have que ns about information in this notice, Please
Cash Advarice(Cash Advance Check APR oR us at Me provided on that back of your card or write
a
The Prime Rate` plus 15.99%, curemly, 19.24%10.05271% us at Cadmea
r Service. PO Box 15098, Wlmingion• DE
daily periodic rate) 19650-5098.
Any Defauh APRArrte Payment APR terms vAg continue to
apply.
'Estimated variable APRs above are based on the 3.25% Prime
Rate on February 17, 2009. The 'Prime Rate' is the highest
1U.S.1 Prime Rate published in the Money Rates section of The
Wap Street Jotanral as described in your agreement.
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8670972
ADV2931-qxp 10/2/06 124PM Page 1
IMPORTANT NOTICE OF CHANGE IN TERMS
This Change in Terms notice contains the details of upcoming changes to
your Cardmember Agreement ("agregment"). These changes will be
effective the first day of your billing cycle that includes January 1, 2007.
They will apply to current and future balances on your account.
Please read this notice carefully. If you have questions about it please
contact us at the number on the back of your card.
Summary of Changes:
In calculating finance charges, th date when transactions are added to
your daily balances and begin to ccrue periodic finance charges will
be as early as the transaction datil
The change described in this notice will apply to your account
automatically. If you were previously notified of the change described in
this notice and it is already in effect bn your account, it will continue to
apply. Any other terms on your account not described in this notice also
continue to apply.
Again, please read the enclosed information, and keep this notice for
your records.
AMENDMENTS TO YOUR AGREEN*NT
Please note that some temrs in your ?greement or any amendment may
appear with initial capital letters oral lower case letters. Such terms have
the same meaning. For example, Account" means the same as "account".
N you have any questions about amendments, please
rc call us at the number on the back Of your card.
The following changes will apply a'rtomatically:
FINANCE CHARGE CALCULATION. he 'Periodic Finance Charge
Calculation" or "Finance Charge Ca Motion" section of your Agreement
is amended to replace, in the portion t explains how we calculate the
daily balance for each transaction ca"ory or feature, the sentence(s)
that describes when new transaction are added to the daily balances
and begin to accrue finance charges. The revised terms are as follows:
We add a new purchase, cash adviance, balance transfer or overdraft
advance, if applicable, to the daily I:ialance as of the transaction date,
or a later date of our choice. We a d a new cash advance check or
balance transfer check to the dailyl balance as of the date the cash
advance check or balance transfercheck is deposited by a payee, or
a later date of our choice.
GRACE PERIOD. The "Grace Period"! or 'Grace Period and Accrual of
Finance Charges" section of your A4reemerrt is amended to replace the
sentence that describes when period finance charges begin to accrue
on transactions, fees and other finan s charges. The revised sentence
is as follows:
We accrue periodic finance charge on a transaction, fee, or finance
charge from the date it is added tolyour daily balance until payment in
full is received on your account.
INS 12105
ADV2931 11/06
ADV2931.gxp
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Campaign: 1106_Poatolio
Cell #: N/A
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Partner: November Reprice STI
Creative Pkg: Fee Standardization
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FONTS: B Helvetica Bold. Helvelica,
Zurich BdCn BT, Zurich Cn BT
COLORS: Black, FPO Tech Notes _
NOTES:
8670972
1INS126v0.gxp 7/30/07 3:56 PM Page 2
3.5
VARIABLE RATES
The following is added to the section titled Variable Rates,
after the description of The 41011 Street Journal Prime Rate
variable rate index that is used to calculate variable interest
rates on your account: "The Prime Rate is merely a pricing
index. It is not the lowest or the best interest rate available
to a borrower at any particular bank at any given time"
FINANCE CHARGE CALCULATION
If your Agreement had the Two-Cycle Average Daily
Balance method we used to calculate finance charges on
purchase balances, that method has been replaced with
the Average Daily Balance Method (including New
Transactions). Under the new method, we compute
interest on purchase balances only for each current billing
cycle. The section titled Finance Charge Calculation or
PERIODIC FINANCE CHARGE CALCULATION is amended
to read:
Finance Charge Calculation - Avenge Daily Balance
Method (Including New Transactions): We calculate
periodic finance charges separately for each balance
associated with a different category of transactions
(for example, purchases, balance transfers, balance
transfer checks, cash advances, cash advance checks,
overdraft advances, and each promotion). These
calculations may combine different categories with
the same daily periodic rates. This is how it works:
We calculate periodic finance charges for purchases,
balance transfers, balance transfer checks, cash
advances, cash advance checks, and overdraft
advances by multiplying the daily balance for each of
those categories by the daily periodic rate for each of
those categories, each day. You may have overdraft
advances only if you have linked this account to a
checking account with one of our related banks. We
calculate the periodic finance charges for purchases,
balance transfers, balance transfer checks, cash
advances, and cash advance checks subject to a
promotional rate the same way, but we use the
promotional rate.
To get the daily balance for each day for each
category:
• We take the beginning balance for that day.
• We add to that balance any new transactions, fees,
other charges, and debit adjustments that apply to
that category. We add a new purchase, cash
advance, balance transfer or overdraft advance, if
applicable, to the daily balance as of the transaction
date, or a later date of our choice. We add a new
3.5'
cash advance check or balance transfer check to the
daily balance as of the date the cash advance check
or balance transfer check is deposited by a payee, or
a later date of our choice.
• We subtract from that balance any payments,
credits, or credit adjustments that apply to that
category and that are credited as of that day.
• We treat a credit balance as a balance of zero.
To get the beginning balance for each category for the
next day, we add the daily periodic finance charge to
the daily balance. H more than one daily periodic rate
could apply to a category because the rate for the
category may vary based on the amount of its average
daily balance, we will use the daily periodic rate that
applies for the average daily balance amount at the
end of the billing cycle to calculate the daily periodic
finance charge each day. This agreement provides for
daily compounding of finance charges.
To get the total periodic finance charge for the billing
cycle, we add all of the daily periodic finance charges
for each category for each day during that billing cycle.
However, if any periodic finance charge is due, we will
charge you at least the minimum periodic finance
charge stated in the Rates and Fees Table. If it is
necessary to add an additional amount to reach the
minimum finance charge, we add that amount to the
balance for purchases made during the billing cycle.
The total finance charge on your account for a billing
cycle will be the sum of the periodic finance charges
plus any transaction fee finance charges.
For each category we calculate an average daily
balance (including new tranSaetions) for the billing
cycle by adding all your daily balances and dividing
that amount by the number of days in the billing
cycle. If you multiply the average daily balance for a
category by the applicable daily periodic rate, and
multiply the result by the number of days in the
billing cycle, the total will equal the periodic finance
charges for that balance attributable to that billing
cycle, except for minor variations due to rounding.
INS12600.gxp
Segment: 0907_Poit(ol is
Campaign: Privacy 2007
Cell P N/A
WR if: 93477
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RURS:
Note that this amendment does not change the APRs in
your Rates and FeesTable/Table of Interest Charges or the
gkace period for new purchases on your account, which
ramain in full force and effect. ,
AIR131TRATION
The section titled Arbitration Agreement is amended to
clarify the state law applied by an arbitrator, and the size
of the arbitration panel for an appeal of an arbitration
decision. The fifth sentence of the Procedures and law
8670972
LNS12500.gsp 7130107 3:56 PM Page 1 _
3.5' 3-5'
applicable in arbitration portion of this section is revised
to read: "The arbitrator will apply the applicable
substantive law of the State of Delaware consistent with
the FAA and applicable statutes of limitations, and will
honor claims of privilege recognized at law" Also, the third
sentence of the Enforcement, finality, appeals portion of
this section is amended to read: "The appeal must request
a new arbitration before a panel of three neutral arbitrators
designated by the same arbitration organization"
LATE FEES
If the late fee on your account is based on a balance, we
will calculate the fee using the total account balance as of
the date the late fee is charged to the account, which can
be as early as the payment due date. We are not changing
the amount(s) of the late fee itself or the balance levels
that determine which late fee amount applies. The Late
Fee portion of your OTHER FEES AND CHARGES/OTHER
INTEREST CHARGES section of your Agreement is
amended to read:
Late Fee. If we do not receive at least the required
minimum payment by the date and time it is due for
any billing cycle, we may charge the late fee shown
in the Rates and FeesTable7rable of Interest Charges.
If the late fee is based on a balance, we calculate the
late fee using the total account balance as of the date
the late fee is charged to your account. The date the
late fee is charged to your account is the fee
transaction date, and may be as early as the payment
due date for the late payment.
Any other references in your Agreement to any balance
we use to calculate a Late Fee that is based on a balance,
including in the Rates and Fees Tablerrable of Interest
Charges, is amended so that the applicable balance
means "the total account balance as of the date the late
fee is charged to your account"
ADV3351 WS12600
IMPORTANT NOTICE OF CHANGE IN TERMS
This Change in Terms notice contains the details of
changes to your Cardmember Agreement (-Agreement").
These changes apply automatically to current and future
balances on your account, and are effective immediately.
However, the change affecting late fees that are based on
d balance is effective with the first day of your billing cycle
that includes December 20, 2007. Please note, we are not
changing the amount(s) of the late fee itself.
If you were previously notified of any of the changes
described in this notice and they are already in effect on
your account, those terms continue to apply. Any other
terms on your account not described in this notice also
continue to apply.
Please read the enclosed information, and keep this
police for your records.
AMENDMENTSTO YOUR AGREEMENT
MINIMUM PAYMENT
The second paragraph of the section titled Minimum
Payment is amended to remove overlimit fees (if
applicable) from your required minimum payment. This
paragraph as amended will read as follows:
Your billing statement shows your beginning balance
and your ending balance (the "New Balance" on your
billing statement). If the New Balance is $10.00 or
less, your minimum payment due will be the New
Balance- Otherwise, it will be the largest of the
following: $10.00; 2% of the New Balance; or the sum
of 1% of the New Balance, total billed periodic rate
finance charges, and any billed late fees. As part of
the minimum payment due, we also add any amount
past due and any amount over your credit line.
(For World MasterCard or Visa Signature accounts, the last
line in the paragraph above reads instead as As part of
the minimum payment due, we also add any amount past
due and any amount over your credit access line"
(DAILY PERIODIC RATE
our Agreement may contain a sentence in the section
tied Daily Periodic Rates and Annual Percentage Rates or
$imilar section, which describes how we determine the
daily periodic rate used to calculate periodic finance
charges. That sentence is amended to read: "To get the
daily periodic rate we divide the APR by 365"
INS12600.gxp
Segment: 0907_Porttol io
Campaign: Privacy 2007
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E8670972
EXHIBIT "Y'
Statement for accost number: n399 5400 1 78962 Aamo11
New Balance Payment Due Date Past Due Anqu Minimum Payment
$60.00000 08/07/05 50.0 $76.20000 REWARDS.
M.k.7- d e k Payahte to Chase Card S1M0es.
Amount Enclosed $ New address a.mail? Prim - Dock
438854001097896201620000060000000000001
HEITH A BAREFOOT
144 MILLERS GAP RCAO
ENOLA PA 17025-1011
1-111 ... III ..... ...... 11.1.11.16M6L.11
I...III.1..1..1,t.,I..I1...I,1....11.1.1.,.Ii.,1.1...lf..II..1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON OE 19886-5153
I:5?OD L611 281: 235110 &097896 26,11
Statdment Dale: 0&14105 -07/13/05 CUSTOMER SERVICE
Aamotf Payrhenl Due Date 08107105 In U S 1-800-338-5960
REWARDS. Espanol 1-aee-446-3308
Too 1-800-955.8060
Outside u.S call collect
1-847-08"600
MininX,,n Payment Due for Credit Access Line $1200.00 ACCOUNT INQUIRIES
Payment Due for Balance Over Cmda Access Lino $15,000.00 P O Box 15298
Total Minimum Payment Due $16,200.00 Wlmnglon, DE 19850-5298
PAYMENT ADDRESS
P O Box 15153
VISA ACCOUNT SUMMARY Alcant Number 4398540010979962 Wdrninglon. DE 19886-5153
Previous Balance $39.0804S Credit Access Line $45.000 VISIT US AT-
Payment. Credits -$39.000AS A%i- Is Credit $0 www chase ep"Vaeditcards
Purchases, Cash. Debits +$50,000.00 Cash
AAcccess Line $a-000
New Balance S60.00000 ?
Avail for Cash $0
a Item was transferred from lost / stolen account
MARRIOTT REWARDS PAINTS FARNIF
Points earned this statement from purchases 60.000
Total points earned this statement 60.000
Points transferred 10 Marion 60.000
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Nam l or Transaction Description Credit Debit
FINANCE CHARGES
Daily Periodic Rate Corresponding average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V .04518% 16.49. $000 $000 $0.00 $000
Cash advances V 06025% 21.99Y. $000 $000 $0.00 $000
Total finance charges
Effective Annual Parcenmge Rate (APR)r
Please see reverse side for balance computation met
The Corresponding APR is the role of interest you pay
The Eaeewe APR represents your total finance charg,
such as cash advance and balance transfer tees - exp
IMPORTANT NEWS
00 00
grace period. and other important informa/on.
an you carry a balance on arty transaction category
including transaction lees
led as a percentage
Eftscrihre JWy etearona pay mem(Epay)requesu
received prig b 4 PM Eastern Time an a dainesa day coil
post 10 your e?cou 'm sane day
after Epay requests received
4 PM or an weekend or federal tloaOaY will pose to
your coca the next business day
8670972
This Statement Is 4 Facsimile - Not an original
x0000eee FM3331.C2 000 N Z 19 (PWn3 -9.1at 10051 MI1..a Tiara 1W1e0W02eeelltrra0l
150 of 153
Statement ioF accourd number 4389 54001497 9962
New Balance Payment Due Date Past Due Amount Minimum Payment
$48.45039 09107)05 S000 S4419.39
Mokey ad urd ai sit" Pr . Cud 9eMo<s piryablelo Chase Amount Enclosed New
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CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
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8670972
I:5?DD L60 2&1: 23 SD? LD97a46 264•
Stal*nenl Date: 07/14)05 -08/13105 CUSTOMER SERVICE
Aarnori Payment Due Date 09/07/05 In U.S 1800-338-5960
REWARDS. Espeflol 1 8 55 446-3 30 8
Too 18009558060
Outside U S call collect
1-847-868-6600
Minimum Payment Due for Credit Access Line $969.00 ACCOUNT INQUIRIES
Payment Due for Balance Over Credit Access Lire $3,450.39 p O. Box 15298
Total Minimum Payment Due $4.419.39 Wilmington, DE 19850-5208
PAYMENT ADDRESS
P O Box 15153
VISA ACCOUNT SUMMARY Ac t Number 43W 54001097 8962 Wilmington, DE 19886-5153
Previous Balance S60.00000 Credit Access Liner $45,000 VISIT US AT-
Payment, Credits -$60.000.00 Avail a Credit $0 www chase corNeredHerds
Purchases- Cash, Debts -$48,450.39 Cash ocess Line $9,000
New Balance $45450 39 Availa AD for Cash $0
MARRIOTT REWARDS POINTS ARN D'
Points earned this sletement from purchases 48.451
Total points earned this statement 48-451
Points transferred to Marriott 48.451
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Namelor Transaction Description Credit Debit
07/22 203203272007797 0000 0.000.00
07/29 24275395210900013719916 LEZZER LUM6 R HARRISBURG PA 45,450 39
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Trwwcfion FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 045571/. 1674% $000 $000 $a 00 $0 00
Cash advances V 06094% 22.241/. $000 $0.00 $0.00 $0.00
Total finance charges $000
Effective Annual Percentage Rees (APR): 0.
Please see reverse side for balance 00mpullabon me , grace period. and other important information.
The Conesponding APR is the rate of interest you pay n you carry a balance on any transaction category
The Effective APR represents your total finance charges - including transaction lees
such as cash advance and balance transfer fees - exp aed as a percentage
This Statement is a Facsimile - Not an original
X 0000610 FIS3MU C 2 000 N Z 13 3 P.C. i d 1 05056 MAMA 14061 Z241 000)(1200014091 Ch
134 of 153
I
I
Statement for account number: 43988 "S,0 097 W62
New Balance Payment Due Dale Past Due A nt Minimum Paymenl
S65.00000 10108105 $0:00 $21.30000
Mekeyewr check peyeble to Chax Card Services
Amount Enclosed $ Nw ad=. a e mail? Print m Dock
43885400109789620213000006500Q000000009
>... Z:.51105C
HE I I H A DARE FOO i
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
Aarrlotl
REWARDS.
CARDMEMBER SERVK:E
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 Ir60 281: 23500 1097896 2611'
Statement Date 0&14)05-0&13/05 CUSTOMER SERVICE
, Larnott Payment Due Dale 10/08/05 In U.S 1$00338-5960
REWARDS. Espanol 1-888446.3308
TOD 1800-955-8060
Outside u S Cali collect
1 8478 68-6 600
Minimum Payment Due for Credit Access Line $1,300.00 ACCOUNT INQUIRIES
Payment Due for Balance Over Credit Access Lim $20-00000 P O Box 15298
Total Minimum Payment Due $21,300.00 Wdrtkngion, DE 19850.5298
PAYMENT ADDRESS
P O Box 15153
VISA ACCOUNT SUMMARY Account Number 438654001097 8962 W imington, DE 198 86-5 15 3
l
Previous Balance $48.450 38 lII Access ne
Credrrr
Lim
C $45,000 VISIT US AT,
Payment, Credits -$48.45039 A
,,, a Credit $0 www chase winitreddcards
Purdhmes, Cash, Debits +$65,000.00 Cesh Ar-zess Lim KUM
New Balance $65,000.00 Availtible lor Cash $0
MARRIOTT REWARDS POINTS, FARNFQ
Points earned this sfatemwA lrom purchases 65.000
Total points earned this slaiemem 65 000
Points transferred to Marriott 65,000
TRANSACTIONS
Trams Amount
Date Reference Number Merchant Nama or Transaction Descnplon Credit Debit
__r_ r_________e___________ aeraarer? •r?ern.reen .._ __ _
FINANCE CHARGES
Daily Perioclc Rale Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 04587% 1674% $0.00 $000 $0.00 $000
Cash advances V 06094% 22 241/6 $0 n0 $000 90.00 $000
Total finance charges $o Go
EBective Amtual Percentage Rate (APR): 00%
I
Please see reverse side for balance comp :on rtleh grace period. and otter Important irdormation.
The Corresponding APR is the rate of interest you pay you carry a balance many transaction category
The Effective APR repreesmis your Iota) finance char - inclWng transaction tees
such as cash advance and balance transfer tees - expr seal as a parcernage
Now earn Marriott ands points when you shop oNine With
over 50 of your 1 wile mine retailers, you cart earn up
to 10 points $1 spent with merchants such as
Bames6Noble.cam. Depot corm Target corn and Seers.corn
Go to MarnottlRewa Is com and soled Shop the Retail Mail
For a limit d reserve your next stay
at any Marron d hotel by er30/o5 and receive
a BlackBerry 7 OTM absolutely FREE after rebate
Theirs a $349 slue Visit Marfllm.crint for delais.
8670972
This Statement is acsimile - Not an original
x 0000001 FS31311 C 2 .000 N Z 13 3 Page / d 1 0505E M AM 05136 250 00000a)(100513001
4 of 153
Statement for arccourA number: 4388 5400 7 8962
New Balance Payment Due Date Past Due Amourn Minimum Payment Aarreoft
$51 041 63 11107105 $000 $7.061.63 REWARDS.
WkeyoureheekPayable to Card 9eMeea
Amount Enclosed E New address v •-mail? Print m back
438854001097896200706163051041630000003
DOD c
1 KEITH sic A BAREFOUT
i44 MILLERS GAP R
44 MILLERS GAP ROAD
ENOLA PA 1 702 5-1 011
1:5000 in6028r: 23500 i097a96 2611
Slalemenl Date 09/14/05 - 10/13/05 CUSTOMER SERVICE
,Aarnotf Payment Due Date 11107/05 In U.S 1-800-338-5960
REWARDS. Esparto 1-888416-3308
TOD 1-800-955-8060
Outside U.S call calecl
1-847-888-6600
Minimum Paymem Due for Credit Access Line $1,020.00 ACCOUNT INQUIRIES
Payment Due for Balance Over Credit Access Una $6,041.63 P O Box 15298
Total WEnmum Payment Due $7 061 63 Wilminglon, DE 19850-5298
PAYMENT ADDRESS
PO Box 15153
VISA ACCOUNT SUMMARY Account Number. 43ee 54001097 e962 Wdmkylon, DE 198 86-515 3
Previous Balance $65,00000
r
1
Cred ACOess line $45,000 VISITUSAT,
Payment, Credits -$65-000.00 1
4???°? Credit
Avail $0 www chase comicredilcards
Pucha9es, Cash, Debits +$51,041 63 Cash ccess line $9,000
New Balance 851-041.63 Available for Cash $0
Welcome to another year of card membership You a uai fee of $30 00 is billed on this
statement Deese see other side for important nnforma on about the terms that apply to renewal
of your account and how to dose your account to avoicl ng the annual fee
MARRIOTT REWARDS POINTS EARNEQ
Points earned This statement from purchases 51,012
Total points earned this statement 51,012
Points transferred to Marriolt 51.012
TRANSACTIONS
Trans Amount
Dale Reference Number Merchant Namg or Transaction Description Credit Debit
FINANCE
CHARGES
$000
$000
$000
Earn Double Ma18;lela ards Points When You Pay Witt Visa'
Stay anytime 0/1105 and 1131/06 and earn double
points staour second Vise-paid slay Visit
ManioOReor call 1$86-888(627-7468)
to register list of terms and conditions.
8670972
FINANCE CHARGES
Daily Periodic Rate Corresponding
Category 30 days in cycle APR
Purchases V 04655%. 16.99.
Cash advances V 06162% 22 49%
Total finance charges
11.1111.(111.11.1.11.111...111-41.1.1...
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Daily Balance Finance Charge Due Transaction
To Periodic Rate Fee
$000 $000 $0.00
$000 $0 00 $0.00
Effective Annual Percentage Rats (APR): 0100%
Please see reverse side for balance oomprtalion mefi grace period. and other important imonnaton.
The Corresponding APR is the rate of Interea+ you pay an you carry a balance on any transaction category
The Effective APR represents your total finance char - including transad ion fees
such as cash advance and balance transfer lees - expr sad M a percentage
This Statement Is Facsimile - Not an original
.Coorcoos F63V.'LC2 DDD N 2 to on3 Pgatdi Ow" 141w to5oa 2eet!-oD0ta001050a0l
128 of 153
Statement for account number: 4388 54001097 8962
New Balance Payment Due Dale Past Due Amount Minimum Payment 'arTlotl
$52.10204 12/08/0 5 $000 $6.144.04 R E W A R D S-
Cvd 9eMoe>L
Make your a payable t Print Chem
Amount Enclosed E Maw address s a e 0- -mail? le.
-back
438854001097896200814404052102040000001
- -zit. rri;c
KEITH A BAREFOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
1:5000 L6D 281: 23500 LD97896 26aa
Stalt4?mmant Date: 10114105 - 11/13/05 CUSTOMER SERVICE
, ,arnott Pay bent Due Dale 12108/05 In U.S 1-800-338-5960
REWARDS. EspeF*I 1-088 146-3 30 8
TDD 1-000-955-8060
Outside U.S call collect
1-04T-088-6600
Minimrn Payment Due lor Credit Amess Line $1.04200 ACCOUNT INQUIRIES
Payment Due for Balance Over Credit Amass Una $7,10204 p O. Box 15298
Total Minimum Payment Due $0.144064 W4rninglon. DE 19850-5298
PAYMENT ADDRESS
P O Box 15153
VISA ACCOUNT SUMMARY Adcoorht Number. 4388 54001097 8962 WIrlvnglon, DE 19886-5153
Previous Balance 361.041 63 Credit ACwsa Line $45,000 VISIT US AT,
Paymenl. Credit. -561.041 63 Avail?
We Credit $0 www chase conycreditwrds
Purchases, Cash, Debris .$52.102.04 ?p
Cash mega Una $9.000
New Balance $52.102.04 AvmlWe for Cash $0
MARRIOTT RFWARDS POINTS FARNEQ
Points earned this slalement fmm purchases 52 103
Total points earned this slatemem 52 103
Points Imnsferred to Marriolf 52.103
TRANSACTIONS
Trans
Date Reference Number Merchant Nameior Transaction Description
FINANCE CHARGES
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19806-5153
Amount
Credt Debit
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Trarhsacfim RNANCE
Category 31 days in cycle APR To Periodic Rene Fee CHARGES
Purchases V 04724% 1724% $000 $000 $000 $000
Cash advances V 06231% 2274% $0.00 $000 $D. DD $0 DO
Total finance charges $000
Effective Annwl Perwritage Rate (APR). O. O%
Please see reverse side for balance computation met. , grace period, and other iWorlant information.
The Corresponding APR is the rate of interest you pay n you carry a balance on any transaclion category
The Etlectve APR represents your total finance charges- including i ansection leas
such as cash advance and balance Iranster lees - exprix. sed as a percentage
Use yov Marriott wards Visa Signallre card m pay for a
stay at participating nce hotels and receive a room
upgrade at time of check-in. $25 dinner credit at fie hotel
resauran, and chack-in a late check-out For bens
and conditions, visit www.renaesancehotelacom.
8670972
This Statement Is a Pacshnile - Not an original
ooooooe FIg3139tC2 000 N 2 19 1 ,na Paa•141 osose 11r.av, inv. arrn ootxnzoom aaxm
122 of 153
Statement for abcourd number- 43988 59001p 17 8962
New Balance Payment Due Dote Past Due M Minimum Payment
$31.30748 01107106 $0.00 $627.00
Makeycur check payable to Chem Cud 9ervfota
Amount Enclosed $ New address err!-mwr Pnrx on back
4388540[]1097896200062700011397485115536
i IT eIXZ C
E
K ITHABAAPIE RE FOOT
144 MILLERS GAP ROAD
ENOLA PA 1 702 5-1 011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198135-5153
1:S?OD L60281: 23S DO 10971396 26u•
Sffit7??meet Dale: 11/14/05 - 1 2113/05 CUSTOMER SERVICE
Aarnofl Pay M1 and Due Date 01/07/06 in U S 1800-3383960
REWARDS. Espenol 1888.446-3306
TDD 1$00-955.8060
Outside U.S call collect
1-847 88e -6600
Minimum Payment Due for Credit Access Line $62700 ACCOUNT INQUIRIES
Total Minimum Payment Due $627 00 P O Box 15298
Winhinglon. DE 19850-5298
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY A count Number. 4388 54D01097 8962 P O Box 15153
WAmirglon, DE 19886-5153
Previous Balance $62102.04 G Access Line $45.000
Payment, Credits -$52.102.04 Avail Credit $13.602 VIStT US AT'
Purchases. Cash. Debits ,$31.397.48 Cashi Access Line $9.000 www Blase mnJrredtrwrds
New Balance $31397.48 Available for Cash $9,000
MARRIOTT RFWARDS POINTS FARNFII
Points earned this statement from purchases 31 398
Total points earned this staemem 31,398
Points transferred 10 Marriott 31 ,398
Dale Reference Number Merchant Name or Trahsaclhon Description Credit Debit
1122 13263262723862703300004 PAYMMENTT - U 2,102.04
11/30 24275395334900012224648 LEZZER LUM R HARRISBURG PA 1611506
12/02 24246515336206099100041 QUALITY STO E VENEER REFTON PA 420.33
12/02 24258025336960001582281 YORK WASTE ISPOSAL 717-845-1557 PA 565.22
12/02 24692165336000277275714 NPO'NEXTEL ARTNERS 888-566-6111 NV 361 63
12/02 24258025336980001582206 YORK WASTE ISPOSAL 717.845-1557 PA 326.79
12/02 24256025336960001582257 YORK WASTE ISPOSAL 717-645-1557 PA 281 06
12/01 24301735336503301202763 R F PAGER 717-761D660 PA 5.02887
12/02 24246515336206099100033 QUALITY STO E VENEER REFTON PA 1 774.00
12106 24224435341334108300053 KOHL BUILDI PROD MECHANIGSULING PA 650452
TRANSACTIONS
Trans Amount
FINANCE CHARGES
Daily Perodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 04724% 17.24% $000 $0.00 $0.D0 $0.00
Cash advances V 06231% 2274% $000 $O 00 $0.00 $0. DO
Total finance charges
Elfeelive Annual Percentage Rate (APR):
Please see reverse side for balance computation meth
The Corresponding APR is the rate of interest you pay
The Effective APR represents your total finance charge
such as cash advance and balance transfer lees - exp
,ernoll
REWARDS.
Tax lime is almost here. Make
your paymeannt using g your credit
ccaard For deteass..??wyt
olficialpaymems.comvc.'nese isp
I, graceperiod. and other rnponam information
hen you carry a balance on any transaction category
- including transaction tees
heed as a percemage
$000
Embrace the magh ol the holidays. Treat yourself to a Pure
Magic Holiday P : shopping relegation 8 family locused
8670972 relreas complet with hot breakfast 11MN5 -1/31106 a
Marriott and Re lei Hotels A Resorts 6 Courtyard by
Marriott hotels dwlde. Visit Manion Cam t« deteib.
This Statement is Facsimile - Not an original
x o00o0os r, i C ;r 00o r Z 13 ?/13 Pp. t all 0505, I,dn rA, I I IftK 3671 o000@DDOI r Oo.Oh
28 of 153
i
Statement for account nwnbor: 4488 5400197 SW2
New Balance Payment Due Dale Past Due Anxx?nt Minimum Payment
$29.566.20 02107!06 $000 S59100
ahkey4er h.* payabk ro Chax Card Serv -
Amount Enclosed 5 New address a a--0 PnM on back.
438854D010978962000591D0049566205115531
- 6Ex zoI-I
kt, ITH A BAREFOOT
144 MILLERS GAP ROAD
E NOLA PA 1 702 5-1 011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 L6? 2131: 23 SOO LD9 7896 2 644
Statement Date 12114/05 - 01/13106 CUSTOMER SERVICE
Aarnoff Payrhent Due Date 02107/06 In U S 1-800.338-5960
REWARDS. Espanol 1-888-446-3309
TDD 1-800-955-9060
Outside U.S call collect
1-847-888-6600
Mmirrxxn Payment Due for Credit Access Line 5691.00 ACCOUNT INQUIRIES
Total Mirwmum Payment Due SE91 00 PO . Box 15298
Wilmington, DE 1 9 95 0.52 98
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY AS=nl Number-. 4388 54001097 8962 P O Box 15153
Wilmington. DE 198 86-515 3
Previous Balance $31,397.48 GeC Access Line &16,
000
Payment. Credits -$31. 00 53 Avail a Credit 575-3 VISIT US AT
43
Purchases, Cash Debts 429,66925 Cash ccess Lime $9.000 www chase. cort?crednrards
New Balance 29,566.20 Avail a for Cash $9.000
MARRIOTT REWARDS POINT', FARNFQ
Points earned Ihis stalerneni from purchases 29.670
Total points earned this statement 29.67D
Points transferred to Mernoh 29.670
TRANSACTIONS
Tens Amount
- neierenm rvwhwer Mercnam rvar a - Transaction uesrnpxon ureot VOD,l
12/16 74547065350060090067826 LL FROM T 1486631 la509 645
120`16 74547065350060090057215 CALL FROM T RKS DEC14 866 3118509 1650
12116 74547065350060090059179 CALL FROM T KS DEC14 e66 3118509 22 20
12!16 74547065350060090060110 CALL FROMT KS DEC146663118509 2790
12/27 13613612724680905000004 PAYMENT-7 NK YOU 31 500 53
12127 2432301536151307301531a HURST FLOOR NG HARRISBURG PA 10.788.39
12/29 24275395364900071300006 LEZZER HOL01 CURWENSVILLE PA 10.250. D6
01/10 24224136011334108300100 KOHL BUILDI PROD MECHANICSBURG PA 8,52775
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Dee Transaclion FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 04792% 1749% $000 $0.00 $0.00 $0.00
Cash advances V 06299% 2299% $0 00 $000 $0.00 SD 00
Total finance charges
Effective Annual PWcentitge Ras (APR): 0.
Please we reverse side for balance compilation meha
The Corresponding APR is the rare of interest you pay w
The Effective APR represents you total finance charges
such es cash advance and balance transfer lees - axwe
,Warnori
REWARDS.
Tax time is atmosi here. Make
your pay MI using your credit
d Fordatalss..??tawt
otfcitlymerns. corruGhase. jsp
grace period, and other elhportant information.
en you carry a balance on any transaction category
including transaction tees
ed as a percentage
$000
Pay y=ax es 1 last and easy way Just use yoi,
card to for 1 al and slate personal income taxes
lran 3/ /061MOUgh 4!30/06 Visit
8670972
call 1-000.2PAY-TAX for details.
This Statement Is a Facsimile - Not an original
.X OD00003 FIS33334 C2 000 N Z 13 A3 P.O., d3 GWW YAW In- 0131oxxxioxxximm
24 of 153
i
Statement for accowd number 4386 544-$-, 7 8962 ``
New Balance Payment Due DatPast Due Mninxrm Payment Aornott
510.982 71 03105/06 $219.00 REWARDS.
aur eck phryeble to CMx Card 3e vl-
M.key ch
Amount Enclosed New address or k mart Print m back.
43885400109789620OD219DOD1D982710000006
-/06E Z04408C
KEI7H A BAHE FOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
L..IIL..IILh.h.l.1.1 hl,,.rIIlLrrrrrllr,.ILL.I,IrhihL.ll
Minimum Payment Due for Credit Access Line
Total Minimum Payment Due
1:5000 L60 287: 21 SDD L09 7896 26aa
Statifment Date 01/14106-02/13/06 CUSTOMERSERVICE
Aarnotf Payment Due Date 03/06106 In U.S 1.700-338-5960
REWARDS. Espanol 1-868446-3308
TDD 1-800-955-8060
Outside U.S call collect
1347-886-6600
I h..111.1..1..1.1..1..I I...l.i....I I.I.I... U..I h I...il..l l.. i
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
$219.00 ACCOUNTINOUIRIES
$219.00 PO . Box 15296
Wilmington, DE 19850-5298
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY A 4ccunl Number. 4368 5400 1 097 6962 P O. Box 15153
Wilmington, DE 19886-5153
Previous Balance $29.566.20 Cred Access Lins $45.000
Paymenl, Credits -$29.566.20 Avail Credit $34.017 VISIT US AT-
Purchases, Cash Debits 410.982.71 Cash Access Line $9,000 www Chase rorNcredit®rds
New Balance P 952 71 Avail for Cash $9.000
MARRIOTT REWARD-, POINTS FARN n
Points earned his statement from purchases 10.983
Special Bonus pronhoton 1 177
Tonal points earned 1Ns stalerttem 12 160
Points transferred to Marriott 12 160
TRANSACTIONS
Trans Amount
Date Relerence Number Marchand Namel or Transaction Description Credit Debit
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 04851% 17 741/6 $000 $0 00 $0.00 $000
Cash advances V 06365% 23 24 % $000 so 00 $0.00 Woo
Total finance charges $000
grace period. and other important information.
u carry a balance on any transaction category
Iuding transaction fees
The Effective APR represents yolr total finance char tnc
pr as a percentage
such as cash advance and balance transfer tees - ex sad
Effective Annual Percentage Rate (APR): OA09G
Reese see reverse side for balance cemputelion meho I, The Corresponding APR is the rate o1 interest You pay yo
IMPORTANT NEWS
YOUR DUE DATE MAY HA E CHANGED AND MAY VARY EACH MONTH
YOU CAN MAKE PAYMENT THROUGH OUR WEB SITE OR BY CALLING
80 0 43 6-7958 S "I FECHA E PAGO PUDO HABER CAMBIA00 Y PUEDE
VARIAR CADA MES USTE PUEDE RACER SUS PAGOS A TRAVES DE
NUESTRA PAGIN WEB O LLAMANDO AL 800436-7958.
8670972
This Statement Is alFacsimlie - Not an original
X 0000003 Fr931334 C 2 000 N Z 13 0 73 Page i d3 QW51% MA r.N 27270 04410000020007Z MM
30 of 153
i
statement for account dumber: 4368 5401D 1 (ry78962
New Balance Payment Due Date P851 Due Amou'1nI,t Mrrrnum Payment Aarrloti
$16.974 39 04/02/06 soon $361.90 R E W A RE) S.
Make your beck payable to Ch.- Card 9eMms-
Amount Enclosed New address a awmar? Prim on back
438854DO109789620DO36100018074390000004
:axe. 8,D, z 0 - r.
KEITH A BAREFOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
Stalon,ent Date. 02/14/06 - 03/13/06 CUSTOMER SERVICE
Aarnott Payrrlant Due Date 04/02/06 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3305
TDD 1.800-955-8060
Outside U.S call collect
1-847-888-6600
Minimum Paymem Due for Credit Access Line $361.00 ACCOUNT INQUIRIES
TDtal Mirrimum Paymenl Due $361 00 P O Box 15298
Wdminglon. DE 19850-5298
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY Ac oral Number 436E 54M 1097 8962 P O Box 15153
Wilnlinglon. DE 198 86-5 15 3
Previous Balance $10,90271 Credit Access Line $45,000
Payment, Credits -$10.96271 Avail Credit $26-925 VISIT US AT,
Purchases, Cash, Debts '$16.074.39 Cash ccess Line $9,000 wwar chase corMnarriot
New Balance $18,074.39 Avail a for Cash $9.000
1:5000 460 281: 231500 &097896 261r
8670972
MARRIOTT RFWARni4 POINT' FARNFn!
Poiras earned this slatemenl from purchases 13.075
Tole points earrlod this slatarnem 18.075
Points transferred to Marriott 18 075
TRANSACTIONS
1 tens
Dale
Relerence Nurnber Merchant Nam j
or Transaction Descripion • •^^,• ••
Credit Debt
02/24 10550552726239222200006 PAYMENT N Y 10.982.71
02128 24246516059206099100028 QUALITY STOP E VENEER REFTON PA 10.76642
021'26 24256026059980001562292 YORK WASTE ISPOSAL 717-845-1557 PA 52960
02128 24258026059960001582235 YORK WASTE ISPOSAL 717-8451557 PA 350 68
02M 24 25 002 605990 0DOIS02292 YORK WASTE ISPOSAL 717-845-1557 PA 410114
02/26 24256026059980001562284 YORK WASTE ISPOSAL 717-845-1557 PA 56.32
03/01 2430133606011800DI OD173 COUNTRYSIDE PUBLISHING CO 613-9250195 FL 5.28500
02/26 2432300606025305DD20023 R. F FAGER C MPANY CAMP HILL PA 435 35
03/09 24717056069120694627605 SALSBURY IN USTRIES 323-8466700 CA 240 10
FINANCE CHARGES
Daily Periodic Role Corresponding
Category 28 days in cycle APR
Purchases V 04861% 1774%
Cash advances V .06368% 23.24%
Total finance charges
Eilective Annual Percentage Role (APR): I
Pease see Information About Your Account section for
The Corresponding APR is the rate of interest you pay
The Effecive APR represents your total finance charge
such as cash advance and balance Iranstar lose - expr
Daly Balance Finance Charge Due Trans iclion FINANCE
To Periodic Rate Fee CHARGES
$000 $000 $D. DO $0.00
$000 $000 $0.00 $000
i,..lll.l..l..l.l..I., I I...I.I....II.I.i...Il..i.l...li..ll..l
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
$000
he computation rrlethod. grace Period, and other important irdorrnation
you carry a balance on at, vansacion category
Wing trensacion lees
as a Percentage
Earn Marriott Rew tlO-2PAY-TAX paints va hen paying your taxes Just
use your cerd to r federal and state personal ineorne
taxes tom 3/1 rough 40=6 and earn one point
per dollar Visit .oticielpaymems.com/dhme.isp or
c all for details.
This Statement Is ?acsimile - Not an original
x 0000015 F6333'f, C 2 000 N Z 13 3 Peg,1 d3 05056 MA 1M 20991 07M ODOD02D0MMI M
34 of 153
i
Statement for aoaourrt number. 43W 54007 8962
New Balance Payment Due Dale Past Due A4rvrum Payment AaRlOtt
$3.646.24 05/03706 so.. a $76.00 R E W A R D S .
Metreyearsine- Pyable to air?Prnt Chafe Card 9eMoe><
Amount Enclosed $ New address or P-ma1? Print on beck.
4388540010978962000076000Q3846240000006
2.]31-Z 10.3060
KEITH A BARE F00 r
144 MILLERS GAP FOA0
ENOLA PA 170251011
Lr.IllrrrllLr.rrLLLL1r.1111rrrr.rlLrelLlreldrrLLrll
CARDMEMBER SERVIOE
PO BOX 15153
WILMINGTONDE 19886-5153
1:5000 160 2B1: 23500 1097896 2611'
Stalgmenl Cate 03114/06-04113/06 CUSTOMER SERVICE
'Aarnoll Payrhent Due Date 05/03106 In US, 1-800-338-5960
REWARDS. Espanol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7950
Outside U.S call collect
1-847-888-6600
Minimum Payment Due for Credit Access Line $7600
Total Minimum Payment Due $7600 ACCOUNT INQUIRIES
P O Box 15298
Wilmington, DE 19850-5298
VISA ACCOUNT SUMMARY Ahcount Number 4388 54001097 8962 PAYMENT ADDRESS
Previous Balance $10.07439
Credi) Acces9 Line P 0 Box 15153
$45.000 VAlming on, DE 19886-5153
Payment Credits -$18.074.39 ?yo Credit
Avail S41153
Purchases, Cash, Debts 0$3.846.24 I
Cash Accen Lim $9.000 VISIT US AT-
New Balance $3.84624 Avail" for Cash $8.000 www chase corrNnanor
MARRIIOTT RFWAR114 POINTS FARNF?
Bonus points from Marriott Hotel purchases 45
Points earned this statement from purchases 3.832
Total points earned this statement 3,877
Points transferred to Marriott 3 .877
TRANSACTIONS
Tram Amount
Date Retarence Number Merchant Name cr Transaction Description Credit Debt
120206 1 Y CLT Ct T
2 Y CLT Atf 1A
3 YX At1A q T
4 Y CLT M OT
5 Y MDT W
6 Y CLT A T A
7Y AUA C T
6 Y CLT M OT
9 Y MDT C T
10Y CLT A A
11 Y AUA C 4 T
120206 1 Y CLT
2 Y CLT
3 YX AUA
4 Y CLT
5 Y MDT
6 Y CLT
7 Y AUA
8 Y CLT
9 Y MDT
10 Y CLT
11 Y AUA
12 Y CLT
13 Y MDT
14 Y CLT
15 V AUA
120206 1 Y
2 V
8670972 4YX
5 Y
6 Y
7 Y
'rYk
X 0000001 1`633a C 2
591 75
CLT C 'T
CLT A
AUA C
CET M T
MDT C T
CLT A A
AUA C
$ Statement Ism ?acslmlle - Not an original
DEC N Z 13 3 Paget d4 05056 "MA21731 1001000002000t1TJ1a
40 of 153
Stalernent Date 03114!06 - 04113/06
Account Noisier 4388 5400 1097 8962
Page 2 of 4
TRANSACTIONS (CONTINUED)
Trans Amounl
Date Reference Number Merchant Nerne or Transaction Desaiption Credit Debit
9 Y MOT L
i0 Y CLT AUA
11 Y AUA CLT
12 Y CLT OT
0324 244 92 80 6085 6C20001C 5672 US AIRWAY 03 72 1 6 2032dS6 USA;itiWAYS.COM NC IC2 TS
1202051 Y CLT I=LT
2 Y CLT AUA
3 YX AUA CLT
4 Y CLT MDT
5 Y MDT CLT
6 Y CLT AUA
7 Y AUA CLT
6 Y CLT MDT
9 Y MDT CLT
10 Y CLT AUA
11 Y AUA CLT
12 Y CLT MDT
13 Y MDT CLT
14 Y CLT AUA
15 Y AUA CLT
03!24
1202061 Y CLT CLT
2 Y CLT AUA
3 YX AUA CLT
4 Y CLT MDT
5 Y MDT CLT
6 Y CLT AUA
7 Y AUA ELT
8 Y CLT MDT
9 Y MDT FLT
10 Y CLT AUA
11 Y AUA CLT
12 Y GILT MOT
13 Y MDT CLT
14 Y CLT AUA
1s Y AUA CLT
FINANCE CHARGES
Daily Periodic Rate Corresponding ! Average Daily Balance Finance Charge Due Transaction FINANCE
Category 31 days vn cycle APR To Periodic Rate Fee CHARGES
Purchases V 04929Y. 17.999'.
Cash advances V 064361/6 23.499:
Total finance charges
Effecthre Annual Percentage Rate (APR): 0.00%
$0.00 $0.00 $0.00 $0.00
so.00 $0.00 $000 $0.00
$0.00
Please see niormation About Your Account section igr balance computation method, grace period and other irnpommm information
The Corresponding APR is the rate of interest you paH when you carry a balance on any transaction category
The Efledive APR represents your total finance charo - including transaction tees
such as cash advance and balance transfer tees - expressed as a percemage.
Earn Marrioll fjewards(R) points When you shop online et
Maniotipew .com Chdc on The Retail Meg and find
your favorite me and Brand name retailers. Shop for
home oflice special occasions and every day items'
8670972
This Statement 1? a Facsimile - Not an original
z o=io1 Rsrloac2 000 N z 13 3 PW204 osma IMW 21731 1031000f102P7@173102
42 of 153
i
Statementfor accourd dumber 4388 54001 78962
New Balance Payment Due Date Past Due Amou I Minimum Payment Aarnoll
$40.85495 06102/06 so. 0 $4.831 95 R E W A R D S-
? 14elre your a 0-Pey61fle to bae Cant SeM9e>
Amount Encbsed $ New your address ar e-mail? Print t an n earn.
8670972
436854D01D978962DD483195D4885495DDD3333
r :4a z13006c L..I.1.,..II.I.1-11-14...li„tl..l
KEITH A BAREFOOT
144 MILLERS GAP ROAD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 10086-5153
1•.111.15111...11111.1.1.1aUi1..11.11L1rI1.Iw.LLdJtrll
I: SDOD 1.60 285: 2 3 530 109 7896 2 r it
Ste (Date- 04/1486-0913/06 CUSTOMERSERVICE
Aarnotl Payment Due Date 06102/06 In U.S 1-800.338-5960
REWARDS. Espanol 1-898446-3308
TDD 1.800-955-8060
Pay by phore 1-BOO-436-7958
Outside U S call collect
Mwwrl m Payment Due for Credit Access Lure $977.00 1-647-888-6600
Payment Due for Balance Over Credit A¢ess Lim $3,854.95 ACCOUNT INOUIRIES
Total Minimum Payment Due $4.03195 P O Boa 15298
Wilmington. DE 19850-5298
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY A t Number : 4389 54001097 8962 P O Box 15153
Wlrr9ngton. DE 19866-5153
Previous Balance $3.846.24 Cr Acaess Line $45.000
Payment. Credds -$5.013.29 Avail Credit So VISE: US AT-
Cash, Debits .$60.022.00 Cash am Una $9,000 www chase D6rMnarrio9
New Balance $48,854.95 Avail for Cash s0
MARRIOTT REWARDS POINTS EARNEn
Points earned this statement from purchases 50.022
Totat points earned this statement 50 022
Points transferred to Marnon 50.022
TRANSACTIONS
Trans Amount
uale Reverence NumDer Mercnam Name w Iransactlon uescnpaon Ureot Dealt
04/18 2 92806 09602000095 8 372 62 1867 L 000
0511061 Y CLT CL. T
2 Y CLT SR O
3 YX SRO CL T
4 Y CLT MD T
5 Y MDT CL T
6 Y CLT SR O
7 Y SRO C IT
6 Y CLT M T
04/18 24492806109602000095446 US AIRWAYS 72162418675 PHONE SALE NC 10.00
0511061 Y CLT CL,
2 Y CLT SF4 0
3 YX SRO W
4 Y CLT MO T
5 Y MDT CL
6 Y CLT S
7 Y SRO CL
8 Y CLT M
D4/19 2425OD26109900001552284 YORK WASTE ISPOSAL 71 7-84 5 15 57 PA 1 13705
D4/10 24492606110602000048319 US AIRWAYS 70615611114 PHONE SALE NC 1000
0419061 Y XAA
2 Y XAA
D4125 11151152727841590500007 PAYMENT-T NK YOU 5.013.29
04/26 24275396118900011266442 LE7ZER HOLD/ CURWENSVILLE PA 48,854 95
This Statement is a Facsimile - Not an original
000001 F1SiY1a5C2 000 N Z 13 3 Prear d2 05056 MAMA 2391. 132100 0
00@000391401
z
96 Of 153
Statement Data 04/14/06 - 05/13!06
Account Number 4388 5400 1097 8962
Page 2 of 2
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 30 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V .04929% 1799% Sow so.[A $000 $000
Cash advances V 06436% 23 49% $000 s0 00 $0 00 $0.00
T.191 fine- rf arg-
So oo
EHectlve Annual Pe ema9e Rate (APR): 0,00%
Please see Information About Your Acwunl section 1qr balance conwalion method. grace period, and other important information
The Corresponding APRs the rate of interest you pa when you carry a balance on any transaction category
The Etteclive APR represents your'. al finance the - inckiding transaction lees
suctl as cash advance and balance irersler lees - e eased as a percentage.
Introducing Marriott's eFolio! As a Marriott Rewards
member, you c receive your hotel Dill by curtail after every
stay Subscribe o eFolio by updating your erna4 preferences
on mamottr rds com. Sign into your account and select
edit email eferences to sign up and to team more.
8670972
This Statement 1* a Facsimile - Not an original
X 0002001 Fl5333HC2 Gee N Z 13 G6r13 PIge2d2 050% -eel 211, 132100[OOZW?391 W2
98 of 153
...el
8670972
Statement for account number: 4388 54007 8962
New Balance Payment Due Date Past Due Minimum Payment
y45.16126 07103106 $000 $1.064.26
Nm adorns CMx CW 9eMcea
Anatml Enclosed $ Naw address a a 0-mahr! Print nt n on back
,Warno"
REWARDS-
438854DO1D978962001064260451612600DO002
-. eEx z 1 s,oa C
KEITH A BAREFOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
I...Iii.(..i..t.l..I..I1...i.t....ii.t.t...il..l.t..,ll..tl..!
Irrdll.rrllLr.r.1.1.LLr..I111r..rrrlLr.IL?hrLlydrLJl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19666-5153
1:5000 1,60281: 23500 i09789626a
Siat$?mrthenl Date D5/14M5 - 06/13106 CUSTOMER SERVICE
Aarrtotl PayManl Due Dale 07,03/06 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside US call collect
Mnimum Payment Due lot Credit Access Line $903.00 1-897'888-6600
Payment Due for Balance Over Credit Access Lire $15126 ACCOUNT INQUIRIES
Total Minimum Payment Due $7.064.26 P O. Box 15298
yrilmirglon. DE 19850-5293
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY Ageount Number- 4388 54001097 8962 P 0 Box 15153
Warlurgton. DE 19886-5153
Previous Balance $48,854 95 Cred Access Lino &15.000
Payment Credits -$98,854 95 Avail Credit $0 VISIT US AT-
Purchases, Cash, Debits +Sd5,000 00 Cash case Une $9.000 vrww curse mMm I
Finance Charges +$167 26 Avail for Cash $0
New Balance S45.16126
MARRIOTT RFWARn% POINTS FARNFQ
Points earned this statement from purchases 0
Points transferred to Marriott 0
Open Marnon Rewards accounts that are not in default *s described in your
Cardmember Agreement earn 3 points per dollar M Mort then 2,300 participating
Mamon lotions; t point per dollar for other purchases.'
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Namelor Transaction Description Credit Debit
O5/31
FINANCE CHARGES
i
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V 049989 18.24. $000 $0.00 $0.00 $000
Cash advances V 065059 2374% $000 $000 $0.00 $000
Convenience check V 049989 1824% $000 $0.00 $75.00 $7500
Promolions 013689 4.99. $20.34061 $8626 $0.00 $86.26
Total finance charges i $161.26
Effective Annual PeroerNage Rate (APR): 4.
Please we Information About Your Account section fa anm computation Method. grace period, and other important information
The Corresponding APR is the rate of interest you pay wten you carry a balance on any Irwsaciion category
The Effective APR represents your total finance charges including transaction fees
such as cash advance and balance transfer fees - exp sad es a percentage
Did you know you c use your credit card to amass man
whenever and who ever you need 114 All you need is your
PIN (Personal ent5caton Number) and an ATM.
J 1 call 1-800-2974970
to este your PIN today
This Statement Is i.. cshnile - Not an original
X o0ooOee F63a11a C 2 eed N z 13 nee t a/ Q05a W let 12ae t wt 000O0e90tlh223oet
46 of 153
Statement for account number: 4388 5900 ?1p 17 6962
New Balance Payment Due Date Past Due A Minimum Payment
$11752 00102106 $0.00 $117.52 MI r a check psymble to o Pr nt CMx Cord Services.
Amount Enclosed Now address a
$ Now etltress 6-mairr l? Pnrrt on beck.
438854001097896200011752000117520000004
Wep zI-
KEITH A BARE FOO T
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19866-5153
1: 5000 160 281: 2 3 500 109 7896 269•
S1aulment Dale 06714x06 -07/13106 CUSTOMER SERVICE
Aarnatt Payment Due Dale 08102106 In U.S. 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside US call coiled
Mnimum Payment Due for Credit Access Line $117.52 1-847-888-6600
Total Minimum Payment Due $11752 ACCOUNT INQUIRIES
P O Box 15298
Wanenglon. DE 19850-5298
VISA ACCOUNT SUMMARY A count Number 4389 540010978962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $45.15126 Credi Access Line $45.000 Wilmington. DE 19086-5153
Payment. Credits -$45.161.26 Avaik+bla Credit $44.882
Finance Charges +5117 52 ccass Una
Cesh?g $9,000 VISIT US AT-
New Balance $117 52 pl
Avail a for Cash $0.000 www chase rnrMnarnotl
MARRIOTT RFWARnS POINTS FARNFn
Points earned riffs statement from purchases 0
Points translerred to Marton 0
Open Marriott Rewards accouras 1hal are not in detaull is described in your
Cardmember Agreement earn 3 points per dollar at mori than 2.31X1 participating
Manton locations, 1 point per dolar for other purchases,
TRANSACTIONS
Tens Amoum
Date Relerence Number Mercham Name or Transaction Description Credit Debra
07/03 111141842729674076500003 PAYMENT NK YOU $45.15126
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transacion FINANCE
Category 30 days in cycle APR To Periodic Role Fee CHARGES
Purchases V 050156% 18 49 . $0 OD $000 $0.00 $000
Cash advances V 06573% 23 99% $O OD $0.00 $0.00 $000
Convenience check V 050666/. 1849°1. $0.00 $0.00 $0.00 soW
Promoliore 01368% 4 99% $20.63-373 $11752 $0.00 $117.52
Total finance charges
$117.52
Elfecllve Annual Percentage Rate (APR). 4.09%
Please see Information About Your Account section for glance compilation method. grace period, and other important imormallon
The Corresponding APR is the rate of interest you pay % n you carry a balance on any transacion category
The Etleclve APR represents your total finance charge - including lnanseclion tees
such as cash advance and balance transfer tees - expr sed as a percentage
Did you know you c an use your credit card to access cash
whenever and whe ever you need it? All you need is your
PIN (Personal emilication Number) and an ATM
J at call 1-900-2974070
to eele your PIN today
8670972
kamott
REWARDS.
l...III.I..1..I.i.,i..II...1aI....ii.l.l...il..i.i...tl,.il..i
This Statement Is a facsimile - Not an original
R 0000005 FlSa 3 C 2 000 N Z 13 n3 Pap. l alI (5056 Ill! vin 2.299 I "I 000002000209M
2 of 153
4188 7 8962
Statement for account number 54ao
New Balance Payment Due Dale Past Due A Minimum Payment ' IM01t
S49.1134 97 09/02106 s0 A0 $5.830.97 R E W A R D S-
Mereyeor d-1k Payable W Chase Cerd selvioes.
Amount Enclosed $ New address a e-mail? Print on beck.
438854001097896200583097049834970000000
-8 A BAREFOOT
144 MILLERS GAP ROAD CARDMEMBER SERVK.E
ENOLA PA 17025-1011 PO BOA 15153
WILMINGTON DE 19886-51-53
1rr111nri11roolrlri.lnalltL..'Al...iLL.1.Ir.LLJ1
1:5000 L6? 281: 23500 L097896 26ae
Stett?mant Date 07l14N6-08/73(06 CUSTOMERSERVICE
,Aan," Paylnenl Due Date 09/02106 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside US call collect
Minimum Payment Due for Credit Access Una $996.00 1-847-888-6600
Payment Due for Balance Over Credit Access Li ne $4.834.97 ACCOUNT INQUIRIES
Total Minimum Payment Due $5.830 97 P O Box 15298
Wilmington. DE 19850-5298
PAYMENT ADDRESS
VISA ACCOUNT SUMMARY A count Numbers 4389 54001097 8962 P O Box 15153
W4minglon, DE 798863153
Previous Balance E177 52 (7 - Access Line $45.000
Payment. Credits -E 117.52 Avsil a Credit $0 VISIT US AT-
Purchases, Cash, Debits .$49.182.92 Cash Access Une S9.000 www.chase mmirriarnos
Finance Charges .$652.05 Aval* ble for Cash $0
New Balance $49.834.97
MARRIOTT REWARDS POINTS FARNFn
Poims earned his statement from purchases 29.163
Total pants earned iris statemem 29.183
Points transferred to Marron 29 103
TRANSACTIONS
Date Reference Number Merchant Namj or Transaction Desenplion Credit Debit
07/14 74266851973250000073431 Finance Charg Reversal DE $11752
0720 24258026201980001215635 CLEVELAND 8 OS-HBG ACT/PT 717-564-2121 PA 6 T77 64
0720 24258025201980001582216 YORK WASTE ISPOSAL 717-845-1557 PA 691 B3
0720 24258026201980001582232 Y K WAST 1 AL 71 T-845-1557 A 733 26
0726 34266882095003507605375 52737 CHECK O KAB GROUP INC 20.000 00
0728 34266882095003507605375 7RANSACTIO FEE 600 DO
07131 24275396212900012101049 LEZZER LUMB R HARRISBURG PA 20.980 19
Daily Periodic Rate Corresponding Average Daly Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V .05066% 18.49% $000 $0.00 $0.00 $000
Cash advances V 06573% 23.99% $0.00 $0.00 Saw $000
Corwamence check V .05066. 18.49% $0.00 $000 $600.00 5600.00
Promotions 01366. 4.997. $12.27315 $5205 $0.00 $52.05
Total finance charges $652.05
Effective Annual Percentage Rate (APR): 3912%
Please see Information About Your Aomu1i secfon for arice computation method, grace period, and other irnpwam i nformation
The Corresponding APR is the rate of uderest you pay n you carry a balance on any lransaclion category
The Etlective AP R represents your total trance charge - inctuding transaction fees
such as cash advance and balance transfer fees - exp sed as a pare wage
IMPORTANT NEWS
Ofd you knav you an tae your credit card to access rash
wrcenever ant you need i19 All you need is your
8670972 PIN (Parsonal entiiin
ation Number) and an ATM.
J
icall
t-000-2974970
to ease your PIN today
This Statement Is alFacshnlle - Not an original
x 0000001 Fhaild3tC 2 coo N Z r3 3 Pixel .1 050% - - 2mra 22.1000002 Mn m
i
i
1?ae
rn
14 of 153
statement for account number: 4388 5400 147 SW2
New Balance Payment Due Date Past Due Amount Minimum Payment
¢14.372.14 10103/06 $0,00 $080.00
Make your sheet payable to Chow Card Service:
Amount Enclosed $ New address a e-inel? Print m back.
438854001097896200098000044372140000004
,size soc z 2seoe C
KEITH A BAREFOOT
144 MILLERS CAP ROAD
ENOLA PA 17025-1011
I...Ill. 1.lllnurl.1.1111 -IH6u...11 ...1id;.1.1 11.111
CAR DA.EM BER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
(:5000 L60281: 235DO LD97896 26na
?,
fl Sla t Dale: 08114106 -09/13106 CUSTOMER SERVICE
Aarno Pa ant Due Date 10,03105 In U S 1-000-338.5960
REWARDS. Espanol i-see-446-3300
TDD 1-800455.8060
Pay b7 prione 1-800-436-7958
Outside U.S tali collect
Minimum Payment Due for Credit Access Line $980.00 1-847-888-6600
Tolal Minimum Payment Due 98000 ACCOUNT INQUIRIES
P O Box 15298
Wilmington. OE 1 985 0-52 98
VISA ACCOUNT SUMMARY Ae 1 Number 4388 54001097 8962 PAYMENT ADDRESS
Previous Balance $49.834.97
Credit as Line P O Box 15153
$45.000 Wilminglon
DE 19886-5153
Payment. Credits -$6.00000 Aval Credit .
$627
Finance Charges +5537 17 Cash ccess Line $45.000 VISR US AT-
New Balance $44,37214 Avail efor Cash $627 WWW. Chase ismhmamoll
MARRIOTT REWARDS POINTS FARNFn
Points earned this statement 1mm purchases 0
Point s in(nslerred to Marriott 0
Open Marriott Rewards accounts that are not in detain a described in your
Cardmernber Agreement eam 3 points per dollar at in an 2.300 parlicipatrig
Marriott locations: 1 point per dollar for other purchases.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name Or Transaction Desenplon credit Debit
09/02 12462452731333162500001 PAYMENT - YOU 000 00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Conesp. Averago Daily Balance Due To Tr ansaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V 05066% 16.49% $29.40572 $46101 $000 50.00 $461 81
Cash advances V 065731/6 2399% $0.00 $0.00 S000 $0.00 $000
Convenience check V 05066% 16.49% $0.00 $0.00 $0.00 $0.00 $0.00
Promotional summary 01366% 4.99% $17.768.90 $7536 $000 $000 $75.36
Total finance charges
$53717
Etteclhe Annual Percentage Rate (APR): 13. 89G
Please see Inlonmation About Your Ammunt section for b lance computation method. grace period. and other important information.
The Conespondng APR is the rate of interest you Pay en you carry a balance on any lrensaction category
The EHecine APR represents you total finance charges indudirhg iranradion lees
such as cash advance ant balance transfer fees expr ad as a percentage.
Use your Marri( It Rewards Visa card for stays at
partidpa ft Marri hoteb between September 15- 2006
and January 31 2007 and earn Marriott Rewards
MapaBonus poi s. Vmd MarnotiRewards.com or
call 1-8 MARRIOTT to register
Did you know you ca use your credit card to access cash
wrtenever and you need d? AB you deed is your
$67972 PIN (Personal Id fffcation Number) and an ATM.
Jus tali 1-800-2874970
to ease your PIN today
This Statement Is a l acslmlle - Not an original
x0oootit FM3133ec2 0o0 N 2 13 3 fNg-cft 053,58 W-25b^8 Z,5 ah 3o0032000t59263r
,%Aarno"
REWARDS.
I1.1 Ili.l..l..1.1..1..11...1.1111.11a.11.1 11..Ir1...11..11..1
152 of 153
Statement for account number 4388 54007 8962 `,
New Balance Payment Due Dale Past Due Minimum Payment Aarrlotl
$39.625.37 11102106 $0.00 $79200 REWARDS.
Nm address a to Cham CIILd 9ervlan
Arnotmt Enclosed $ Nerr adtlress or o.mwair l? P nrx an n back
43885400109789620007920003962.5370000003
aszea - z tams C
KEITH A BAREFOO h
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
i,..i?1.1..l.,61., I.,il.,.?.i.,..li.l.l...ll.,L?...I1,.11.,1
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON OE 19886-5153
1:5000 L6D 281: 23500 LD97896 261t6
Statement Dale: O9/14MG - 10/13/06 CUSTOMER SERVICE
.Wmon Payr ., Due Dale 11/02/06 In U.S 1-800-338-596D
REWARDS. Espa110I 1-888.446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S call collect
1-847-886-6600
Minimum Payment Due for Credit Access Line $792.00
Total Minimum Payment Due $792.00 ACCOUNT INQUIRIES
P O Box 15298
Wilminglon. DE 19050-5296
VISA ACCOUNT SUMMARY A counl Number 4399 54001097 9962 PAYMENr ADDRESS
P O Box 15153
Previous Balance $44.37214 Cred Access Line $45.000 Wilmington. DE 198 86-5 15 3
Payment. Credits -$44.372.14 Avail Credit $5,374
Purchases. Cash. Debts aS39.402.63 Cash cress Una $45,000 VISIT US AT-
Finance Charges .SM2.74 Avail br Cash $5,374 v ivw chase rorrVmarnotl
New Balance S39.62537
MARRIOTT REWARnS POINTS FARNFI7
Points earned his slalement from purchases 39.373
Total points owned this statement 38.373
Points transferred to Mamiolt 39,373
TRANSACTIONS
Tram Annum
Dale Reference Number Merchant Nam4 or Transaction Description Credit Debit
6 970 9D
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Comesp Average Daily Balance Due To Tran saction Accumulated FINANCE
Category 30 days in cycle APR Periodic Rate Fee Fn Charge CHARGES
Purchases V.05066°/ 18.49. $12,99663 $19753 $0.00 $0.00 $19753
Cash advances V .065739: 23.99% $01.00 $000 $0.00 $0.00 $0.00
Convenience check V 050669: 18.49% $0.00 £0.00 $000 $0.00 $0.00
Promotional summary 013689: 4.99% $6.141.49 $2521 $0.00 &1.00 $25.21
Total finance charges $222 74
Effective Annual Percentage Rate (APR): 1496%
Please see Information Abort Your Accotrn section for pafance computation method, grace period and other important information
The Corresponding APR is the rate of merest you pay wi you carry a balance on any transaction category
The Effective APR represents you total finance charge. - ndudrg irwlaaflion leas
such as cash advance and balance senator fees - e ssed as a percentage.
Use your Ma out Rewards Visa card for stays at
penicipating Mami n hotels between September 15. 20D6
and January1 2007 and earn Mamioil Rewards
MegaBonus Its. Visit Mamiontlevrards.com or
8670972 call 1- 88-MARRIOTT to register
This Statement Is a Facsimile - Not an original
X OD00001 FISU334 C 2 dole N Z 13 d13 Pg. r .11 05056 WW 3®3 26610000=00362a3M
6 of 153
Statement for account number: 4388 7 54o i 8962
New Balance Payment Due Date Past Due A Eo F. h4rimum Payment Ier'Rwtt
¢52.06455 12/08/06 E6-105.88 REWARD &
CAM"eyoress a6leto Chase Crd9lMces
Amount Enclosed $ New etltress or i-morr-aril? Print on Dack.
4388540010978962OD8105550$2064550000005
z,-9F ZJ1roec I...111.1..1..i.1..1..1Ir..i.1....Il.l.l...ll..l.lr..ll..l1,..l
KEITH A BAREFOOT
144 MILLERS GAP ROAD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
1r..111...1Ii.r.r.L1.1.Lr.dlitrrrrrrli
rr.ll.I,.I,L.IJr.ll WILMINGTON DE 19886-5153
1:5000 1.60281: 23500 109 7896 2611•
Stay I Date 10/1,4106 - 11/13/06 CUSTOMER SERVICE
Aarnon Pe anI Due Dale 12/08/06 In U.S 1-800-338.5960
R E W A R D S . Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-600-436-7958
Outside U S call collect
Minimum Payment Due for Credit Access Une 1-847-686-6600
57.041 00
Payment Due for Balance Over Credit Access Una, $7.06455 ACCOUNT INOUI FOES
Total Minirnun Payment Due $8.105.55 P O Box 15298
Wilmington, DE 19850-5298
PAYMENTADDRESS
VISA ACCOUNT SUMMARY A count Numbs 4388 54001097 8962 P 0 Box 15153
Wilmington. DE 19886-5153
Previous Balance $39.62537 G Attaffi Line $45.000
Payment Credits -$42,669.05 Avsa Credit $0 VISIT US AT-
Purchases,Cash. Debls a$55,126.23 Ca Access Line $45,ODO www.chase conymamolt
New Balance $62.06455 Avat a for Cash $0
MARRIOTT REWARDS POINTS FARNFLI
Points tamed this statement from purchases 55.129
Total point gamed this statement 55.129
Points transferred 10 Morrwn 55 729
TRANSACTIONS
Trans Amounf
Date Reference Number Merchant Name iir Transaction Description Leda Debit
Daily Periodic Rate Corresp.
Category 31 days in cycle APR
Purchases V 05066% 18 49%
Cash advances V 06573% 2399%
Promotional summary 01369". 499%
Total finance charges
Effective Arvtual PareeMage Role (APR): I
Please see Information About Your Account section for
The Corresponding APR is the rate of rmeresl you pay i
The Effective APR represent your 10181 finance charge
such as cash advance and balance transfer tees - mcr?
IMPORTANT NEWS
?s
Finance Charge
Daly Balance Due To Tr ansaction Accumulated FINANCE
Periodic Rate Fee Fin Charge CHARGES
50.00 $0.00 $D.00 $0.00 $0.00
$0.00 $000 $000 $000 $000
$0.00 $o 0o $000 $000 $000
$0.00
dance compubnon method. grace penod, and other important information
hen you carry a balance orh any transaction category
-including transaction left
seed as a percentage
PLEASE NOTE THAT UR PAYMENT DUE DATE HAS CHANGED.
EFFECTIVE THIS MONT TO SELECT A PAYMENT DUE DATE THAT
WORKS BEST FOR YOU, YCJU CAN ACCESS OUR WEBSITE DISPLAYED ON
THIS STATEMENT OR CALL US AT 1-806436-7958
8670972
This Statement Is 0 Facsimile - Not an original
Xworion F15.=uC2 ao0 N 2 10 Ina Paerla1 05058 IMIM201e11 31710000@0002014601
8 of 153
i
Statement for account number: 4388 = 78882
New Balance Payment Due Date Past Due nt Minimum Payment Aarinio
$60.00000 01/07/07 fo o $16.200.00 REWARDS.
Iliakeyour c hdk payable to Chase Card eervi¢s
Amount Enclosed New address a e-mair Pin on back.
4388540010978962016200000E0000000000001
z
KEITH A
BAREFOOT KEITH
144 MILLERS GAP ROAD CARDMEMBER SERVICE
ENOLA PA 17025- Oil PO BOX 15153
WILMINGTON DE 19886-5153
s:5000660 281: 2 3 SOO 609 7896 26111
OpaninglCIbvng Dale 11114/06 -12/13106 CUSTOMER SERVICE
„'rnott Payment pD09 Date OIN7/07 In U.S. 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-6060
Pay by phone 1-800436-7956
Outside US call collecl
1-847-888-6600
Mnimtm Payment Due for Credit Access Line $1.200.00
Payment Due for Balance Over Credit Access Line $15-00000 ACCOUNT INQUIRIES
Total Minimum Payment Due $16.200.00 P O Box 15298
WdtningforL DE 19850-5298
. PAYMENT ADDRESS
VISA SIGNATURE SUMMARY A count Number. 438854001097 9962 P O Box 15153
VAtntinglon. DE 19886-5153
Previous Balance $52.06455 Cred Access Line $45,000
Payment, Credits -$52.064.55 Avhvl a Cret1n 50 VL4R US AT
Purchases. Cash. Debts .$60,000.00 Ca A¢ese Une $45,000 www chase mMmarrion
New Balance $60.00.00 AVeil a for Cash s0
MARRIOTT REWARDS POINTS EARNET)
Points earned this statement from purchases 60.00
Total pants earned this statement 60.00
Poiras transferred to Marnon 60,00
TRANSACTIONS
Trans i Arnourn
Date Reference Number Merchenl Name Transaction Description Credit Debra
1126 1332332273406376990004 52.064.55
11130 2427539633790010305386 LEZZER LUMBE HARRISBURG PA 60.000 00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp Averaoe Daily Balance Due To Transaction Accurixtlaled RNANCE
Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V 05066. 18,49% S0.0 $0 0 $000 $000 $000
Cash advances V 06573% 23 99% $0.0 $0 0 $0.00 s0.00 $000
Total finance charges $000
Effective Annual Percentage Rate (APR): 00%
Please see Information About Your Account section for ance compuialon method. grace period. and olher important informa3on
The Conesponding APR is the rate of interest you pay n you carry a balance on any transaction category
The Effective APR represents your total finance ch - including transaction tees
such as cash aGVance and balance transfer tees - expr sed as a percentage
Reward yourself t2.'006 Marriott Rewards bores points this
holiday aeaeon wh u shop ordine. Earn up to 20 pants
per dollar with FTD SkyMaa and dozens of ordine stores
ltroug h December Go to MarrionRewards. com and
The Retail Mall
8670972
This Statement Is al Facsimile - Not an original
x 0000005 F63333r C2 000 N Z 13 243 Paget J1 ROSs W Wt 2313. 3!]1000DVA0023t3101
38 of 153
Statement for accounl number: 4388 54001 78962
New Memo Payment Due Dale Past Due 1.4nimum Payment ?8rf1O1'1
$60.OOO.00 02/07/07 $0 0 516.200.00 R E W A RD S.
aMre yrwr dllc4 p?yable w Ch.- Cent ScM-.
Amount Enclosed I New address a a-me,R Print m back.
438854001097896201620000040000000000001
I(EI EI TH A A BARE BARE FOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
L., IIL..IIL,...i.LLL...II I L..r.r I L,.11.Iw.1.l,1Ll,.ll
Finance Charge
Daily Balance Due To Transaction Accumlated FINANCE
Periodic Rate Fee Fn Charge CHARGES
S0.00 $0 00 $0.00 SO DD $000
S000 S000 $0.00 S000 $D o0
8670972
t:500D 160 28r: 2 J 5?O &097896 26ae
OPwMgIgI4wng Date 12114/06 - 01113/07 CUSTOMER SERVICE
karno,H Payment uLlee Date 02107/07 In U.S 1-800-338-5960
REWARDS. EspaM1Ol 1-888346-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside us call collect
Minimum Payment Due for Credit Access Une $1.200.00 t-847-88a-6600
Payment Due to Balance Over Credit Access Una 575,000.00 ACCOUNT INOUIRIES
Total Minimum Payment Due $16.200.00 P O Box 15298
Wilmington, DE 19850-5290
PAYMENT ADDRESS
VISA SIGNATURE SUMMARY Acceii I Number. 4386 54001097 8962 P O Box 15153
Wilmington. DE 19886-5153
Previous Balance $60.00000 Cred Access Line 545.000
Payment. Credits -$60.000 OD Avail a Credit $0 VISIT US AT
Ptrdhases. Cash. Debits +560,000.00 Cash _ass Lim $45,000 www dhasa mnMnamntl
New Balance 560000. DO Avail a for Cash $0
MARRIOTT REWARDS POINTS EARNEDI
Points eared this statement from purchases 60.000
Total points earned this statement 60.000
Points transferred to Marriott 60.000
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Desaiplion Credit Debit
Daly Periodic Rate Corresp.
Category 31 days in cycle APR
Purchases V 05066% 18.49%
Cash advances V 06573% 23 99%
Total finance charges
Effective Annual Percentage Rule (APR): 1
Please we Information About Your Account section for
The Corresponding APR is the rate of iraaresl you pay
The Effective APR represents your total finance charge
such as cash advance and balance transler teas - expri
Did you finer you
whenever and wtr
PIN (Personal
1,,,111.11.1..1, 1.. 1.. 1I...I.1..,, I I, I.t... if..i.l.,, l l..l l., i
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
$000
e computation method, grace period. and other imponanl information
ou carry a balance on any transaction category
uding transacion lees
as a percentage
I use your credit Card to somes Cash
ver you need i1? NI you need is your
n"callon Number) and an ATM.
Call 1-BOD-2973970
Dote your PIN today
This Statement Is a IFacsimile - Not an original
X 0000001 F6313i0 C,2 000 N Z 13 7 3 P'g" d / 05056 Mw 33 2 0f2f 0000020000318201
144 of 153
Statement for account number: 4398 54001}97 562
New Balance Payment Due Date Past Due Amour Minimum Payment Aarrlott
$58.44992 04107107 $o. to $14.617.92 REWARDS.
M.ieyeur.h- t payable to Chase Card St rvl-
Amount Enclosed New address m a; mail? Print on back.
438854001097896201461792018449920000005
-. 8- z o7mr r
Kc.I-1 H A BAREFOGT
144 MILLERS GAP ROAD
ENOLA PA 17025-1 oi1
Ir.,IlLrritl.r.,.1.1.1.1r..11111..r1r.IL..ILI{.i.L.LL,II
Opening/( ng Dale' 02/14/07 -0311310 7 CUSTOMER SERVICE
Aarnott Payment D Date 04107107 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-9558060
Pay by phone 1-800-436-7958
Outside US call collect
Minimum Payment Due for Credit Access Una $1 160.00 1'847'88&6600
Payment Due for Balance Over Credit Access Line $13.449.92 ACCOUNTINOUIRIES
Total Miremum Payment Due $14.61792 P O Box 15298
Wdninglon, DE 19850-5298
PAYMENT ADDRESS
VISA SIGNATURE SUMMARY A. ? Ml Numb. 4386 54001097 8962 P O Box 15153
Wdrnn gton, DE
19886-5153
Previous Balance $000 Credit Aae93 Line $45.000
Purchases. Cash. Debts ?ti68.449 92 Avail Credit $o VISIT US AT-
New Balance $58.44992 Cash ¢ess Line $45.000 vrwv chase axrVmariom
Ave, for Cash $o
1:5000 L602a1: 231500 1, 097696 2686
8670972
MARRIOTT REWARDS POINTS FARNFm
Points gamed his statement from purchases 56 450
Total points earned this statement 58.450
Poinisiransfarred to Marriott 58,450
TRANSACTIONS
Trans Amourtt
Date Reference Number Merchant Name of Transaction Desuripbn credit Debt
FINANCE CHARGES
Daily Periodic Rate Corresp.
Category 28 days in cycle APR
Purchases V 05066'/. 18.49%
Cash advances V 06573.1 23 99%
Total finance charges
Ettwcthe Annual Percentage Rate (APR): 1
Please we IMormalion About Your Account section for
The Corresponding APR is the rate of interest you pay
The Effective APR represents your total finance charge
such as cash advance and balance transfer tees - expr
IMPORTANT NEWS
Finance Charge
Daily Balance Due To Transaction Acarmulsled FINANCE
Periodic Rate Fee Fin Charge CHARGES
$0.00 $0.00 $0.00 $D,00 $000
$000 $000 $000 $000 $000
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19686-5153
$000
lance compulsion method, grate period, and other important inlormetion
in you carry a balance on any transaction category
including transaction fees
ad as a percentage
NOTICE We are reps ng the Two-Cycle Average Daily Balance
Method (compute erect on previous and current cycle
purchase balances)
% ' the Average Daily Balance Including
new purchases thod (pucasea daily balance times
purchases daily each day only in the current cycle)
Earn Marriott Rowan a points for paying your taxes. Jhnf use
your cad to pays al taxes now through 4r"07 and
earn one point per lair Visit www dtasepayyourtaxes.com
orcall -877-8 29-2954 1ordelails.
This Statement is a Facsimile - Not an original
x 0000001 F1S33334C 2 000 N 2 13 074 1343 Pact i d 1 0505 M11A r am OrZI0000020001035001
124 of 153
i
I
Statement for account number: 4388 540017 8962
New Balance Payment Due Date Pest Due m Minimum Payment
$36.00339 05/061C7 $060 $721.00
Make your dwvk Payable to Chax Card 3ervi-
Amount Enclosed New address a r/-mairt Print co Deck.
4388S40010978962000721000?6093390000003
?msc eoc z 10 1 c
XF ITH A BAREFOOT
144 MILLERS GAP ROAD
ENOLA PA 17025-1011
Aarrectt
REWARDS.
Tax time is here. Make your
ledaral tax payment wth your
Chase aedx card at
www chasepayyounaxes.com
...I.I....Il.i.i...ll..1.1...11..11..1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19U815-5153
x:5000 L60281: 2500 L097a96 2611'
Opening/CI ng Date' 03114/07 - 04113/07 CUSTOMER SERVICE
Aarnoll Pay nem D e Dale 05/08/07 In U S 1-800-336-5960
REWARDS. Espaflol 1-888-446-3308
TOO 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U S Call collect
Minimum Payment Due for Credi t Access Une $721.00 1-847-888-6600
Total Minimum Payment Due $72100 ACCOUNT INOUIRIES
P O Box 15298
Wilmington. DE 19650-5298
VISA SIGNATURE SUMMARY A count Number 4388 54001097 8962 PAYMENT ADDRESS
P O Box 1SIS3
Previous Balance $58,449.92 Creel Access Line $45.000 W minglon. DE 1911116-5153
Payment. Credits -$68.449.92 Avail Credit $8.9D6
Purchases. Cash Debts aS36.093.39 Cash Accele Une 545.000 VISIT US AT.
New Balance $36,093 39 Avail a lor Cash $8,905 www rims' mrMnarrien
MARRIOTT RFWARnS POINTS EARNECI
Points semed his slatemani from purchases 36.094
Total points earned Ins staitiment 36.094
Points irarvsfened to Marriott 36.094
TRANSACTIONS
Trans Amount
Date Relerence Number Merchant Name ¢r Transaction Description Credit Debit
80
FINANCE CHARGES
Daily Periodic Rate Corresp
Category 31 days in cycle APR
Purchases V 05066% 1849%
Cash advances V 06573% 2399%
Tote) finance charges
Effective Annual Percentage Role (APR): I
Please see Information About Your Account seclion im
The Corresponding APR is the rate of interest you pay
The ENeclive APR represents your hotel finance charge
such as cash advance and balance transfer tees - expr
Finance Charge
Daily Balance Due To 7rensacion Accumulated FINANCE
Periodic Rate Fee Fin Charge CHARGES
$000 S000 $0.00 $0.00 $000
$0.00 $000 S000 S0,00 $000
$0 DD
lance winpulefion method. grace period, and other hmporlml inlorn-afon
en you carry a balance on any transaction category
including transaction tees
ad as a percentage
Payy taxes the fast-if easy way
Just your Chase card 10 pay for
federal taxes at
8670972
This Statement Ls 0 Facsimile - Not an original
X 000000l Fi-I C 2 000 N Z 13 O r^3 Page 1 0 1 a505a - MIl 30060 103100000200Qi0a500t
116 of 153
i
Statement for account number 4388 54D07 8962
New Balance Payment Due Date Past Due A nt Minimum Payment Aarrlott
$5043998 06107/07 $0.00 $6.447 98 REWARDS.
8670972
??11 Make year hwk payable to Chase Card Services
Antounl Enclosed I i Now address a e-mail? Print on back.
4368540010978962006447980ED439980000000
- a z1-1C
KEITH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 L6D 281: 23500 LD9 78 9 6 2 611'
OpeninglCibsing Date: 0,V1410 7-05/13/07 CUSTOMER SERVICE
Aarnoti Payment Dire Dale 06/07107 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-80D-955-8060
Pay by phone 1-800336-7958
Outside U S call collect
1-847-888-660D
Minimum Payment Due for Credit Access Una $1.008 00
Payment Due for Balance Over Credit Access Una $643998 ACCOUNT INOUIRI ES
Total Minimum Payment Due $6.44798 P O B. 15298
Wilmington. DE 19650-5298
PAYMENT ADDRESS
VISA SIGNATURE SUMMARY A count Number: 4388 54001097 8962 P O Box 15153
Wonunglon. DE 19866-5153
Previous Balance $36.093.39 Chad Access Line $45.000
Payment. Credits -536.093.39 Avail able Credit So VISIT US AT-
Purchases. Cash. Debits .&50.439.98 Casi, Access Lim $45.000 WNW chase mm4narnott
New Relents b50.439.98 Avail a for Cash EO
MARRIOTT RFWARnS POINTS ARNFP?
Points eamed his statement from purchases 50.440
Tolel points earned flux stelamern 50.440
Points translerred to Menrlott 50.440
TRANSACTIONS
Tracts Amount
Date Reference Number Merchant Name Or Transeclion Deseiplion Credit Debit
FINANCE CHARGES
Finance Charge
Daily Penodlo Rate Corresp. Avere {? Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES
Purchases V 05066% 18 49% $000 $0 00 $000 $000 $000
Cash advances V 06573% 23 99% $000 $000 $000 $000 $000
Total finance charges
Effective Annual Percentage Rate (APR): I
Please see information Aboul Your Account section for
The Conespondrng APR is the rate of interest you pay
The Effective APR represents your total l'etartm charge
such as cash advance and balance transfer fees - expr
$000
ce computation method. grace period. and other ?mportam imamalion
you carry a balance on any transaction category
hiding transaction tees
as a percentage
This Statement Is 0 Facsimile - Not an original
X OD000D1 FMUZI rC2 ODO N Z 13 0fMA3 PV,I dl 05056 IM IN 16066 133106000MM506601
146 of 153
i
statement for account number. 4386 5400 0978962
New Balance Payment Due Dale Pass Due Arta rn Minimum Payment Aarrlotlt
$45.96572 07/08/07 $O0D $1884.72 REWARDS.
Makeywr m
Anauht Encbs4ad $ New addresstk py& Print Chase beck.
4388540010978962001884720115965720000008
294 JO si (z 1da7 C 1..111111..1.11.I.11. 11 i...lr 11.1.!1.1.1... 1111116.111„11..1
KEITH A BAREFOOT
144 MILLERS GAP RD CAROMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19BBS-5153
Lr.111...IIL...41.14LL r..IIIL4rr.rlL4.ll41r.irl4.i.l..l1
1:5000 L60281: 235001,D97,11962610
OpeningICIlosing Dale 05/14/07.06113/07 CUSTOMER SERVICE
,Wrnoti Payment Ogle Dale 07/08/07 In U.S 1-800-338-5960
REWARDS. Espanol 1-888446-3308
TOD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U 5 call collect
Mnirthum Payment Due Tor Crean Access Line $01900 1-847-BBB-6600
Payment Due for Balance Over Credit Access Line $06572 ACCOUNT INQUIRIES
Total Minimum Payment Due $1 884 72 P O. Box 15298
Wirninglon. DE 19850-5298
PAYMENT ADDRESS
VISA SIGNATURE SUMMARY A cxrrrt NumWr: 4388 54001097 8962 P O Box 15153
mlrninglon, DE 19886-5153
Previous Balance $50.439.98 -r cess Line $45.000
Payment Credits -$50.439.98 Av
Credit
$D IT Us AT
a
Purdhase. Cash, Deets f S45.96572 Ca es-a Una
ff $4 5.000 diaamrMnanoB
New Balance $45,965 72 Av for Cash $0
MARRIOTT REWARDS POINTS EARN
Points eamed his statement from purchases 45.966
Total pants earned this statement 45.966
Poinistransterred to Marriott 45.966
TRANSACTIONS
Trans Amount
Date Relerence Number Merchant Name ¢r Transaction Description Credit Debit
i Finance Charge
Daily Penodc Rate Corresp Avers Daily Due To Transaction Accurr"ated FINANCE
Category 31 days in cyde APR glance PeriMic Rate Fee Fn Charge CHARGES
Purdhases V 05066% 1849% $000 $000 $0.00 $000 $000
Cash advances V 06573% 2399% $00o $000 $000 $000 $000
Total finance charges , $000
Effective Annual Percentage Rate (APR): --
qDm
Ptease see Irnormal on About Your Accoc4hI section for ante Zia3on melnod. grace period, and other important information
The Corresponding APR is the rate o1 interest you pay r you carry a balance on any Irmsaclion category
Th e Effective APR represents your lot?,lirmrw9 char - irichidng transaction ices
such as cash advance and balance transfer tees - ex sed as a percentage
Let MerrioaReararda m help you swoon your wmff r ravel!
Visit She Deals age 10 find Member Exclusive Rates
just for you! Vi 1 MarriollRewards ccrrVpOtntswera
to save tip to 33% Msrno8 Rewards point redemptar»
Happy Travels!
8670972
This Statement Is al Facsimile - Not an original
R 000005 F531394 C 2 add N Z 13 07P6113, Page t d t 05056 W 1417 2343 t e4/ OWDOMD002UN01
126 of 153
Statement for accord number. 4386 5400097 8962
New Balance Payment Due Dale Past Due m Minimum Payment Aornoii
$43,77050 08/07/07 $0100 $875.00 R E W A R D S ,
Make your ohe4k ?
0 ale ? to Ch- boo GM 9eMoe>L
Amount Enclosed $ MNew .l address a or B -mail? Pnrd t, an n book
43885400109789620008750004137705DOODOOOD
KFITH A
HEITH A BAREEF ppi
146 MILLERS GAP RD CARDMEMBER SERVICE
E NOLA PA 17025-1011
PO BOX 15153
WILMINGTON DE 19886-5153
L..tllatllla.,.lel.l el. e.eiHL....,fLe.iLL.1.LeLL.it
I: 5000 L60 281: 2 A 5?O L09 7896 26ua
OpeninglClbsing Date- 06/14/07-07/13/07 CUSTOMER SERVICE
Aarrwit Paymhent D4* Data 08/07/07 In U.S. 1-800-338-5960
REWARDS. Espenol 1-888.446-3308
TDD 1-800-955-8060
Pay by phone 1-800.436-7958
Outside U.S Call collect
1-847-888-6600
Minimum Payment Due br Credit Access Line
Total Minirlunt Payment Due
ACCOUNT INOUIRIES
$875.00 P O Box 15298
$07500 Wilmington, DE 19850-5298
PAYMENT ADDRESS
P O Box 15153
Wilmington. DE 19886-5153
VISA SIGNATURE SUMMARY A count Nurnbei- 4389 54001097 8992
VISIT US AT-
Previous Balance $45,965.72 Credi Access Line $54.000 www chase mmkilarnon
Payment. Credits 545,965 72 Avail Credit $10,229
Purchases. Cash. Debts +$43,770.50 Cash Access Una $54.000
New Blanca 3,770.50 Avail for Cash $10.229
Congratulations' Your credit line has been increased. lake advantage of your enhanced
spending power to make purchases and ttanster batens today
MARRIOTT REWARDS POINTS EARNE6
Points earned ibis statement from purchases 43.771
Total points earned this sistemera 43 771
Points transferred to Marriott 43.771
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
8670972
Finance Charge
Daily Periodic Rate Corresp. Averag$ Deily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR arxe Periodic Rate Fee Fm Charge CHARGES
Purchases V 05066% 18 489: :. $0 00 $000 $0.00 $0.00 $000
Cash advances V 06573% 23 99% $O OD $000 $0.00 $0.00 $0.00
Total Inane charges $000
Effeefve Annul Percentage Rate (APR): O.
Please see Information About Your Account section for b anoa compulation method. grace penod, end olhm important information
The Comespondag APR is the rate of interest you pay w! ten you vary a balance on any transection category
The Effective APR represents your total finance charges including transaction tees
such is cash advance and balance transfer fees - expras a percentage
This Statement is a Facsimile - Not an original
X0000001 F63331a C2 000 N Z 13 0] n3 Para.t n1 05036 IM- alms 1Yin DOODWGOM12mah
88 of 153
Statement for account number 4306 54001 78962
``
New Balance Payment Due Date Past Due Arnou ""mum Payment %Xarnatt
$40.933.67 09/07ro7 $0. 0 $818.00 R E W A R D 5-
Make you chec? payable to Chase Card Services.
Amount Enclosed New address or oFinaiyr Pnrx on back.
4388540010978962000818000] 0933670000U07
9fi5J z. .,C
KE$THA BAREFOOT
144 MILLE RS GAP RD
e NOLA PA 1 702 5-1 011
1:5000 LGD 281: 2A 50D ID47896 2r.o
8670972
OpeningrCliisirig Date. 07/14,07-08f13/07 CUSTOMER SERVICE
Aarnott Payment pub Date 09N7107 In U.S 1-800.338-5960
REWARDS. Espanol 1-888445-3308
TDD 1-800-955-8060
Pay by phone 1-800-435-7958
Outside U.S call collect
Minimum Paymem Due for Credit Access Line $818.00 1-B47-888-6600
Total Wni=m Payment Due Se18.00 ACCOUNT INQUIRIES
P O. Box 15298
Wilmington. DE 19850.5298
VISA SIGNATURE SUMMARY Ae tatt Number 4308 54001097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $43.770.50 Credit as Lire $54000 Wilmington DE 19886-5153
Paymenl. Credits -544.11715 Atrial Credit $13.066
Purchases. Cash. Debts .$41.28D.32 Cash j iiccess Lime $64.000 VISIT US AT-
New Balance $40,93367 Availa Pa tot Cash $13.066 Www chase mnVmarnolt
MARRIOTT RFWARDS POINTS EARNED;
Points earned leis statement lrom purchases 41 281
Total points earned this slatemem 41281
Points iranslerred lo Marnon 41.281
TRANSACTIONS
Turns Amount
Dale Reference Number Merchant Name o? Transaction Description Cretin Debit
Daily Periodic Rate Corresp.
Category 31 days in cycle APR
Purchases V 05066% 18 49%
Cash advances V 06573% 23 99%
Total lnance charges
Effective Annual Percentage Rate (APR): 0.
Please we IMormalion About Your Account section for t
The Corresponding APR is the role of irneresl you pay w
The Effectve APR represents your total finance charges
such as cash advance and balance transfer tees - excre
l...Itl.l..l..i. i..I..I I.,.I.f....ii.l.l...Il,.l.t.., II..11.,1
CAR DMEM BER S ERVICE
PC BOX 15153
WILMINGTON DE 19886-5153
Finance Charge
Daily Due To Trareecaon Acarrtudaed FINANCE
lance Periodic Rate Fee Fin Charge CHARGES
$000 $000 SD 00 S000 $0.00
$000 $000 $0.00 $000 $000
$0.00
i09G
dance computation method. grace period. and other imporem imormetion
on you carry a balarce on any transaction category
incudirg transeclon fees
sad as a percentage
Faldo Gill Ind offers single 6 double occ packages.
3-Day School pkg's i lude 3 me lodging from $1020 - $1620.
Vied goWdD.c )m for detailed gill school irdorrnalion.
Valid 1Mu 120 7 Promolional codes CHSECH7
Restrictions apply Ca 888-GO-FALDO (463-2536) to reserve!
This Statement is a racsimile - Not an original
X OD00005 F63333r C2 ODo N 2 13 01 3 Pa)a 1 d 1 05056 MAW 21625 22M OODO@000218MOI
70 of 153
statement for account rwmber: 4988 540011B97 8952
New Balance Payment Due Dote Past Due Arno yrn Minimum Payment
$50.01e.61 laoero7 $obo $1000.00
rf?? Make your the k p y.bte to Ch.- Card Service.
Amount Enclosed I I New address err a-mail? Print - beck
438854001097896200100000050018610000004
ronauex z a
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19 88 6-51 53
1..11111..1 IL 1...1.1.1.1.1..1111.1....ILr.iLL.11L.IrL.ll
1:5000 LSD 2EW 23500 1097896 26111
OpeningtClbsing Dale
c 08/14107-09113/07 CUSTOMERSERVICE
Date
?1Aarnott Paymenri 10/08/07 InUS 1-800-338-5960
REWARDS. Espanol 1-808-446-3308
TDD 1-800-955.0060
Pay by phone 1-600-436-7958
Outside U S call tolled
Minimum Payment Due for Credit Access Line $1.000.00 1-847-888-6600
Total Minimum Payment Due $1.000.00 ACCOUNT INQUIRIES
PO Box 15298
Wilmington. DE 19050-5298
VISA SIGNATURE SUMMARY A count Number 439664001097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $70,933.67 Cr Access Line $54.000 Wilmington. DE 798863153
Payment, Credits 460,90167 Avail Credit $3,981
Purchases. Cast Debts +$60,018.61 Caeh Access Line $54,oDo VISIT US AT"
New Balance $50.018.61 Avail, le for Cash $3.981 www.clhase mnymarrioH
MARRIOTT REWARDS POINTS, EARN n
Points earned this statement Irom purchases 60 019
,.,at points earned this statement 60.019
Points transferred 10 Marriott 60,019
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name 4, Transaction Description Cede Debit
5o
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Ccrresp. Avers a Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR palance Periodic Rate Fee Fin Charge CHARGES
Purchases V 05066. 18.49. : W oo $0 DO $0.00 $0.00 $000
Cash advano°s V 06573. 23 99. ! s0 00 $000 $0.00 $0.00 $000
$000
Effective Annual Percentage Rate (APR): 0m
Please see information About Your Account section for dance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay n you carry a balance on any transaction category
The Effective APR represents your total finance charge - including transaction fees
such as cash advance and balance transfer teas - expr seed as a percentage
IMPORTANT NEWS
Total finance charges
Your 2007-2T8 Privacy Notification is enclosed
for your record
Your window of My awaits! Stay with Manioft
From Sep 23 b n 18, 2000 b cam yfxr MkgeBonw!
Register row r your MegaBonus by sigrirg ehto
rioORewarQS.c or calking 1-888- R5,Z9TT (627-7466)
eMptayo dreamvacalion on the test track!
8670972
This Statement Is 0 Facsimile - NW an original
x0000001 FIS--iIC2 W. N Z 13 OTA 3 PS I.I e5D5e WW falter 25a100fi00N0et a11aet
,Wamott
REWARDS.
1...111.1..1..1.1.11.31...i.1.1..tl.I.I... tt..1.1.1.It1.1111I
20 of 153
i
Statement for account number: 4388 5400 17 8962 f?
New Balance Payment Due Date Past Due Amou Minimum Payment J?arrn?lt
$21.46397 11/07/07 $o 0 $529 0o REWARDS.
MoireywrrlreeIf mw P bsie Card 4erWxa
Amount Enclosed $ New address a qmaiP l? Pnrrt on back.
438854001097896200042900041463970000009
I9.eeaz?J C
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
lr..Illrrrlilrr.rrLi.61r r.rI111.r....11.rrI1.IlrrirLri.L.i1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1: SOOO L6? 2181: 2 j 5?O LO9 7896 2611•
OpeninVCI
Date. 09/14/07 - 10173/07 CUSTOMER SERVICE
Aarnotl Paynwnt Dtte Date
to 11/0707 In U.S 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TOD 1-800-955-8060
Pay by phone 1-WO-436-7958
Outside US call collect
Minimum Payment Due for Credit Access Line $429.00 1-867-888-6600
Total Minimum Paymenl Due $429 00 ACCOUNT INQUIRIES
P O. Box 15298
Wilmington. DE 19850-5298
VISA SIGNATURE SUMMARY A t Number. 4386 5400 1 097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $60,078.61 Ac
Line
= $54.000 N6lminoon. DE 19886-5153
Payment, Gedits -$60,01861 Avail
j
-1 $32.536
Purchases, Cash. Debts aS21-463.97 Cash Une $54,000 VISIT USAT-
New Balance $21,463.97 Aval for Cash $32.536 www lase rn11Nnerrio8
MARRIOTT REWARDS POINTS FARNFEII
Points earned his slatemem 1mm purchases 21.434
Total points earned this statement 21.434
Points iranslerred 10 Marriott 21,434
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name Transaction Descriplbn
- Credit Debit
0 25 26826827 50757500007 PAY ME NTT - T 'K YUT S20.00000
0928 24275397271900018405549 LEZZER LUMBE HARRISBURG PA 19.754.06
10101 ANNUAL ME MB RSHIP FEE 30.00
10/02 12752752844726376200003 PAYMENT- THA N YOU 30.01861
10/11 24258027284980001582297 YORK WASTE D POSAL 717-845-1557 PA 1,67991
FINANCE CHARGES
Daily Periodic Rate Corresp
Category 30 days in cycle APR
Purchases V 04929. 17 99.
Cast advances V 06436. 2349.
Total Inence charges
ENective Annual Percentage Rate (APR): I
Please see Intornation Abort Your Account section for
The Corresponding APR is the rate of interest you pay
The Effective APR represents your total finance charge
such as cash advance and balance transfer fees - expr
Finance Charge
Daily Due To Trortsactien Accumulated FINANCE
fence Periodic Rate Fee Fn Charge CHARGES
$000 $000 $0.00 $0.00 $0.00
$0.00 $000 $000 $0.00 $11.00
$000
lance oompuaim method, grace period, and other important inlormaion
an you carry a balance on any transaction category
including transaction fees
Ied as a percemage
Redeem your poi is and drive in style with the Hertz Fun
Cotleeion of rents cars teaturitg the Chevrolet Corvene,
Jeep Wrangler F d Musing, Nissan 35OZ and Chrysler
Crossfire Only Hen lets you reserve the specific make find
modal Go to www arrioTl com/rewardfulearrVprgriw mi
Did you know you an use your credit card to access rash
whenever and w ever you need it? A9 you need is your
PIN (Personal enilicaton Number) and an ATM.
J 1 call / -800-2974970
to eaie your PIN today
8670972
This Statement Is al Facsimile - Not an original
x 0000005 F6303'N CZ 000 N z 13 e7I?1 On3 P.Oa t d 1 ow" W MI1 153"5 295100e0mooe1 S34e01
108 of 153
i
i
i
Statement for account number 4388 54001097 8962
New Balance Payment Due Date Past Due Arnou Minimum Payment Aarrloll
$52.785 15 12/08107 $0. o $105500 REWARDS.
Wake your ohec pey9ble toCh-CudServlc-
Amount Enclosed Now 9ddre56 or al mil? Prim on beck.
438854001097396200105500042785150000002
23rd- yr z11 !J' C.
KEi HA BARE F WT
144 MILLERS GAP RD
ENOLA PA 17025-1011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 1 9 88 6-5 1 53
1:5000 L60 281: 2 3 5?? Log 7896 26ae
8670972
OpeninglCl ing Dale 10/14N7 - 11113J07 CUSTOMER SERVICE
Aarnoll Payment Die Dale 12108107 in US 1-800.338-5960
R E W A R D S. Espanol 1-888.446-3308
TDD 1-800-955-8060
Pay by phone 1-500-436-7958
Outside US call collect
1-647-888-6600
Minimum Payment Due for Credit Access Una $1.055.00
Tote) Minmum Payment Due $1.05500 ACCOUNT INOUIRIES
P O. Box 15298
Wdrlknglon, DE 19850-5296
VISA SIGNATURE SUMMARY A court Number 4388 54001097 6962 PAYMENT ADDRESS
P O. Box 15153
Previous Balance $21.463.97 Credi Access Lim $54.000 Wdninglon, DE 19886-5153
Payment Credits -S21463.97 Avail Credit $1.214
Purchases. Cash. Debts .$62.500.00 Cash Access line $54,000 VISFT US AT,
Finance Charges +$285.15 Avail efor Cash $1214 www chase mrNmarrio8
New Balance $52385 15
MARRIOTT RFWARDS POINTC ARN I
Points earned fits statement from purchases 0
Points transferred 10 Manion 0
I
Open Mamoll Rewards accounts that are not in defatAf ups described in your
Cardmember Agreement earn 3 punts per dollar at mo than 2.300 partiapaling
Marriott locations. 1 point per dollar for other purchases.
TRANSACTIONS
Trees Amount
Date Reference Number Merchant Name Transaction Desaiplion Credit Debit
FINANCE CHARGES
Finance Charge
Deily Periodic Rate Corresp. Avers Deily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR ;ante Periodic Rate Fee An Charge CHARGES
Purchases V 04860% 1774% ? $0 OD $000 $0.00 $000 $000
Cash advances V 06367N. 2324% $i7 00 $000 $0 OD $000 $000
Convenience check V 64860% 1774% $0 00 $000 $199.00 $0,00 $199.00
Promotional summary 01093% 3901/6 $25. 423,36 $B6 15 $0.00 S000 $86 15
Tolal finance charges $285.15
Effective Annual Percentage Rare (APR): 6 51%
Please we Information About Your Account section for alance computation method, grace period, and other imponam information
The Corresponding APR is The rale of interest you pay iii hen you carry a balance an any transaction calegory
The Fffective APR represents your total finance charge - including tansaeton tees
such as cash adrance and balance transfer fees - expr sed as a percentage
Your window of nunsy awaits! Stay win Marriott
From Sep 23 10 n 18, 2008 to earn your MegaBonus!
Register now r your MegaBonus by spring into
MarnonRewards. or calling 1-888-MNRRIOTT(627-7468)
and put your dream vacation on the last track!
Did you know you an use your credit card to access cash
whenever and w ever you need h? NI you need is your
PIN (Personal enelicafon Number) and an ATM.
J 1call 1-800-297-4970
1. eate your PIN today
0111111111
This Statement Is al Facsimile - Not an original
200X0011 F633331C2 000 N Z 13 07 Ina Pgel d1 05056 MAMA 23659 3171000DR0013736500
106 of 153
i
Statement 10r accourd number 4388 5400 307 8962
New Balance Paymerl Due Date Pest Oue Amou Minimum Payrnenl Aarrtett
$51.902 20 01107/06 8060 $1038.00 R E W A R D S-
Make your check eyabk to Ch.- C.rd scrden.
Amount Enclosed New address or a-711 Prirx co beck.
4388540010978962001038000511902200000005
-1.3-Z 707c 1,1.IILI.A.M..1-16..1.L...IL?.L..Ii..b{..JL.IL.I
KD FH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
6VOLA PA 17025-1011 FO BOX 15153
WILMINGTON DE 19886-5153
?...Iil.,1111..ll.1.i.LL,..IIIL 1r..rILI.Ii.I?LL.IlL.l1
r:5000 L60 28s: 231500 LD9 7a96 260
ltng Dale.
Openny 11114/07 - 12/13/07 CUSTOMER SERVICE
Aarrtotl ,
Payment puu Date 01/07/08 In US 1-800-338-5960
R E W A R D S. Espanol 1-868-446-3308
TDD 1-800-955-8060
Pay by phone 1-800.436-7958
Outside U.S call collect
1-847-888-6600
8670972
Minimum Payment Due for Credit Access Line
Total Minimum Payment Due
$1.03800
$103800 ACCOUNT INQUIRIES
P O Box 15298
Wilmington. DE 19850-5298
VISA SIGNATURE SUMMARY Ac tint Number 4388 54001097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance, $52.785.15 Cr1rdIt Line $64.000 Wiirningron, DE 191186-5153
Payment. Credits -$1 055.00 Avail Credit $2-097
Finance Charges .$172.05 Cash cress Une $54,000 VISIT US AT,
New Balance 51 902 20 Avail" for Cash $2,097
MARRIOTT REWARDS POINTS EARNED'
Points earned his sfatemern tram purchases 0
Points transferred to Marriott 0
Open Marriott Rewards accounts that are not in default ryaS described in your
Cardnhember Agreamerd earn 3 points par dollar at ngfe than 2.300 ptrtiapating
Marriott locations; 1 point par dollar im other Wcnases.:l:
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transac ion Description Credit Debit
12107 13413412700004651390086 aymenl - Thank , ou 1.055.00
FINANCE CHARGES
I Finance Charge
Daily Periodic Rate Corresp Aw a#
Daly Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR II
Once Periodic Rate Fee Fin Charge CHARGE'S
Purchases V 0586016 17741/. $0 00 $000 $0.00 $0.00 $000
Cash advances V 06367. 23 241/6 1 $0 00 $000 $0.00 $000 $0.00
Convenience check V 04860% 17 74X $0 00 $000 $000 $000 $0.00
Promotional summary 010931/6 3 991/. $52.4169.73 $17205 $0.00 $000 $17205
Total finance charges $17205
Effective Annual Percentage Rate (APR): 3
Please we inlonnation About Your Account section for I
The Corresponding APR is the rate of interest you pay v
The Ettectve APR represents your total finance charge!
such as cash advance and balance iranster tees - expre
X OD00001 F6393,1r C 2
ice computation method. grace penod. and other imporlam information
you carry a balance on any I ansaaion category
:luding transaction tees
as a percarfage
This Statement is al Facsimile - Not an original
ODO N 2 13 OJ 1/13 P.p.tCll (5056 ? iii`0al 31J10000@OWIrM101
90ofM
Staternent for account number 4386 540017 W62 J?am011
New Balance Payment Due Date Pest Due Amon Minimum Payment
S51.02744 02107/08 so o $1920.00 REWARDS.
Make your the ll payable to Gene Cwd 9er A-
Amount Enclosed ?J New address or elmsir: Prira on Deck
8670972
4388S4DG:,09789620010200001102?440000000
KEITH A A DARE
RE FOOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
1...1116..1II..... L1.1.1..„III L.....11...111.11.111..11
i..,lll.t..i..l, I..I.,I i,..t.i....Ii.l.t...H.,I.I...il..li?.l
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19866-5153
1:5000 L60 281: 2 i 500 1,09 7896 2Slr
Opening/CI ng Date: 12/14N7-01/13/08 CUSTOMER SERVICE
t
Aamoti Paym ent D
Date 02107/08 In US 1-800-338-5960
REWARDS. EsMA01 1-888.446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7956
Oulside U.S dl collect
1-847-888-6600
Minimum Payment Due br Credit Access Una $1.020.00
Total Minimum Payment Due $1 020.00 ACCOUNT INQUIRIES
P O Boa 15298
Wilmington. DE 19850-5298
VISA SIGNATURE SUMMARY A unt Number' 43886400109-1 8962 PAYMENT ADDRESS
P O Box 15153
Prewous Balance S51.902.20 Credi Access Line $54.000 Wilminglon. DE 19886-5153
Payment. Credits -$1.050.00 Avail Credit $2.972
Finance Charges +5775.24 Cash Access Lime $54.000 VISIT US AT
New Balance $51.027.44 Avail a for Cash $2.972 www chase ahrn1mz droll
IIMARRIOTT REWARDS POINTS FARNFr
Points eamed this statement from purchases 0
Points transferred to Marriott 0
Open Mamon Rewards accounts that are not in detault s described in your
Cardmember Agreement earn 3 points per dollar at rno+then 2.300 participating
Marriott locations, t point per dollar for other purchases;
TRANSACTIONS
Tram Anrhounl
Date Reference Number Marchand Name Qr Transaction Description Credit Debit
01/06 10060062700004835106487 ayment - nk ou $1.05000
FINANCE CHARGES
Finance Charge
Daily Periodic Rafe Corresp. Avera* Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR valance Periodic Retie Fee Fin Charge CHARGES
Purchases V .04792% 17.49% $0.00 $000 $0.00 $000 So 00
Cash advances V 062991/6 22 991/6 $0 DO $000 $000 $000 $000
Promotional] summary 01091% 399% $51 716 92 $175 24 $000 $000 $17524
Total finance charges
Ellecilve Annual Percentage Rate (APR): 3
Please we Information Abort Your Account section tot I
The Corresponding APR is the rate of interest you pay v
The Effective APR represents your total finance charge!
such as cash advance and balance transfer tees - expre
X 0000005 F6333a. C 2
$17524
alance computation method, grace period. and other important information
hen you carry a balance on any transaction category
-including transaction tees
iced as a percentage
This Statement Is 0 FacsBnlle - Not an original
000 N 2 13 A3 P.9.1dl OW6,1 .N LU 17139 o.3too0002000111300f
120 of 153
i
Statement for account number: 4388 540044444447 W62
New Balance Payment Due Date Past Due nt Minimum Paymenl Aarrlott
S5014971 03/09/08 so 0 $1.002.00 REWARDS.
Make years P. aW to Print Chase Card se rhos
Amount Enclosed Nevi
$ New address or 6-mair il? Print on beck.
o
4388540010978962001002000?0149710000006
KEI !H A BARE`GOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
1..1111.I..1..I.1..1..11.11 I.11...11.1.1...li.1111..:111111..1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19806-5153
I...III...III....,I.I.I.1,,..itil.....,11...11.x..1.1..1.1..11
8670972
t: SOOD 160 281: 2 iI500 109 7896 2611'
Openng/CI*ng Date' 01/14178 -02/13/08 CUSTOMER SERVICE
,arnoti Payment Doe Dale 03109108 In U.S 1-800-338-5960
REWARDS. EspaMl 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside Us call collect
Minimum Payment Due for Credit Access line $1.002.00 1'847-888-6600
Total Minimum Payment Due 1 002 W ACCOUNT INQUIRIES
P O Box 15298
Wilminglon. DE 19050-5298
VISA SIGNATURE SUMMARY A mount Number 4389 54001097 8962 PAYMENT ADDRESS
-PO Box 15153
Previous Balance $61.027.44 Cr Access Lino $64.000 Wilmington. DE 19886-5153
Payment, Credits -$1.050.00 Avai Credil $3-850
Finance Charges .5172.27 Ca Access Lim $64.000 VISIT US AT-
New Balance 50.149.71 Avail tile for Cash $3.850 www chew apavritarnotl
MARRIOTT REWARDS POINTS EARNED
Points earned this statement from purchases 0
Points lmnslerred 10 Marron 0
Open Marnan Rewards amounts that are not in datault as described in your
Cardmember Agreement eam 3 points per dollar 21 mode than 2.300 parliapating
Manion locaions. 1 point per doper for other purchases"
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name It Transaction Description Credit Debit
02/0610370372700004918444315 ayment-Thank,You 105000
. Finance Charge
Daily Periodic Rate Corresp. Avers
Daly
B Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR alance Periodic Rate Fee Fn Charge CHARGES
Purchases V 04449Y. 16 24% $000 $000 $0.00 $0.00 $000
Cash advances V 05956% 21 74% $0 00 $000 $0.00 $000 $000
Promotional summary 01093% 399% S50184071 $170 27 $0.00 $0.00 $17227
Total finance charges $17227
Effective Annual Percentage Rate (APR): 3199%
Please we Information About Your Amount secion for stance computation method grace period, and other important intorrnation
The Corresponding APR is the rate o1 inter11s1 you pay you arty a balance on arty transaction category
The Etfeclve APR represents your total finance charge - inGutlng tansaotin lees
such as cash advance and balance transfer tees - expr d es a percentage
This Statement Is a Facsimile - Not an original
7CooooWl F6a333.C2 000 N 2 13 3 PV*Idt 05056 MwLui I6e0 OU100000at00166.30r
136 of 153
StaterMrd for accourd number-. 4388 54001 7 8962 Aarriott
New Balence Payment Due Date Past Due Amou Minimum Payment
$49.256 12 04107/06 $o $985.09 REWARDS.
Mahe year dI-A payable to Chafe Card SeMs:
Amount Enclosed ?Ntw address a aimed? Print on beck
438854001097896200098500049258120000003
- FFJI z o-
KEITHA BAFIEFOC)i
144 MILLERS GAP RD
ENOLA PA 17025-1011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
t: 5000 L60 281: 2 4 500 109 7896 26aa
Openmgl Dting Date 02/14/08-03/13/08 CUSTOMER SERVICE
Jaarr1o11 Payment D e Dote 04/07/08 In U ,S 1-800-338-5960
REWARDS. Espanol 1-888-446.3308
Too 1-800-655-8060
Pay by phone 1-800-436-7958
Outside US call collect
1-847-888-6600
8670972
Minimum Payment Due for Credit Access Line
Total Minimum Payment Due
$985.00
$98500 ACCOUNT INQUIRIES
P O. Box 15298
Wdmfngton. DE 19850-5298
VISA SIGNATURE SUMMARY A count Number: 4390 5400 1 0 97 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $50.149.71 Cred' Access Line $54,000 Wilmington, DE 19886-5153
Payment. Credits -$1,o50.00 Avail Credit $4.741
Finance Charges +5158.41 Cash Access Line $54-000 VISIT US AT,
New Balance $49,258 12 Avail for Cash $4.741 www chase opm1mamon
MARRIOTT REWARns POINTS, FARNETI
Points earned his statement from purchases 0
Points immierred to Marriott 0
Open Marnon Rewards accounts that are not in detaull?s described in your
Cardmember Agreement cam 3 points per dollar at mo than 2,300 participating
Marriott locations; t point per doter for other purchases!
TRANSACTIONS
Trans Amount
Dale Reference Nurnber Merchant Name mr Transaction Descripwn Credil Debit
03/07 10670672700005056374735 Payment - Thank Y. $1,050,00
Finance Charge
Daily Periodc Rate Corresp. Avera a Daily Due To Transacton Accumulated FINANCE
Category 29 days in cycle APR ante Periodic Rate Fee Fn Charge CHARGES
Purchases V 04449% 16 24% $9 00 $0.00 $0.00 $000 $0 DO
Cash advmtces V 05956% 21 74% $0 00 $0.00 $0.00 $0.00 $000
Promotional summary 010931/6 399% 5491 .973 68 $159,41 $0.00 $0.00 $15041
Total finance charges $15841
Etleclive Amual Pbrcentage Rate (APR):
Please see Inlormalion About Your Account section for alance computation method. grata penod, and other imponam informalon
The Corresponding APR is the role of interest you pay n you carry a balance on arty transaction category
The Etlectve APR represents your total finance charge - includxg transaction lees
such as cash advance and balance transfer fees - expr sed as a percentage
This Statement Is # Facsimile - Not an original
0000003 FM33 C2 000 N 2 to 3 Paaeld/ 05M MAMA 20316 02a100000200620e/601
)< O0or3N5130o6
138 of 153
Statement for account number: 4388 5400 17 8962 J??arrloll
New Balance Payment Due Date Past Due Amou Minimum Payment
W.424.21 05108)08 $0.00 $968.00 REWARDS.
8670972
?N, ?r 4 of P to Chase SeMae:
Amrount Enclosed $ New address a a eimai17 ail? Prim an Deck. .
438854001097896200096800048424210000003
tcemr z1w C
KEITH A BAREFOOT
141 MILLERS GAF RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
/: S?OD L60 281: 2 3 SOO 1,139 7896 264•
Openingt l:.ng Date 03/14108 - 04113108 CUSTOMER SERVICE
Aarnoti Paym ent D Jai Date 05)98108 In U S 1-800-338-5960
REWARDS. Espanol 1-886-446-3308
Too 1-800-955-8060
Pay by phone 1-600-436.7958
Outside US call collect
1-847-888-6600
Minimum Payment Due tot Credit Access tine $968.00
Total Minimum Payment Due $968.00 ACCOUNT INQUIRIES
P O Box15298
Wltminglon. DE 18850-5298
VISA SIGNATURE SUMMARY A Numdter. 4309 PAYMENT ADDRESS
P O Box 15153
Previous Balance $19.256.12 Crad Access Lute $54.000 Wdnhinglon, DE 19886-5153
Payment, Credits 41.000.00 Avail Credit $5.575
Finance Charges +$166.00 Cash ccess tine $54.000 VISIT US AT-
New Balance 548.424.21 Avail , for Cash $5.575 wtrrw dose c ornlmamfotf
MARRIOTT RFWARM POINTS FARNEQ
Points earned his statement from purchases 0
Points Iranslenred 10 Mani ill 0
Open Marriott Rewards accounts that are not in detaull tips described in your
Cardmernber Agreement eam 3 pants per dollar at more than 2.300 participating
Marriott locations: 1 point per doter for other purchases;
TRANSACTIONS
Trans Arliounl
Date Relerence Number Merchant Name or Transaction Description Credo Debit
04104 10950952700005133,0715235 Payment - Thank,You $1.000.00
FINANCE CHARGES
Finance Charge
Daly Periodic Rate Corresp Avera Daily Due To Trarisaclon Acaim ulaled FINANCE
Category 31 days in cyde APR lance Periodic Rate Fee Mn Charge CHARGES
Purchases V 04244% 15 49% $0.00 $0 00 $0.00 $0.00 $000
Cash advances V 05751% 20 99% 9000 $000 $0.00 WOO $000
Promotional summary 01093% 3 999: $49,016.80 $16609 $0.00 $O 00 $16609
Total finance charges
$16609
Effective Annual Percentage Rate (APR): 499%
Please see Inlormalion Aboui Your Account section for anoe cornpulauon method. grace period. and other important information
The Corresponding APR is the rate o/ inleresl you pay n you carry a balance orh any transaction category
The Etleclive APR represents your total finance charge - including transaclon lees
such as cash advance and balance transler tees - expr sed as a percentage
This Statement Is a Facsimile - Not an original
11000aD? FLS333U C 2 0110 N 2 13 3 Pyre 1 dl ONYU5 1AA M 208&3 1091 00000200020MG01
Z 0001 Mal Aar WS13021
140 of 153
Statement for account numt
New Balance Payment Due Date
$47.58248 06/07108
Amount Enclosed l?
4388540010978962000951000417S8c4800-30003
8670972
W wFx BARE F
KC.TH
744 M A BAREFOOT
r. MILLS RS GAP zlD
ENOLA PA 17025 025-1 011
i
rer. 4388 54001 7 a962
Past Due Anna Minimum Payment ?emofi
fo $951.00 REWARDS.
b1tYe ywr ch-14 P.y.de to Ch.- Cvd 3eMm>t
J New e0d ass u e!me 7 PnM m I-
I - I III I L, 1_1 I ... 1.1 .... it. 11-1 t.I...ll„i.f.,.L' I
CAR DMEMBER SEHVICE
PO BOX 15153
WILMINGTON DE 19686-5153
1: SOOD 160 281: 231500 LD9 7896 26ae
Opening/CI rig Date: 04/14A8 -05/13/08 CUSTOMER SERVICE
Aafiwn Paym ent Vale 06/07/08 In U.S. 1-800-338-5960
REWARDS. Espanol 1-888-046-3308
TOD i-800-955-6060
Pay by phone 1-800-436-7950
outside U.S call collect
Minimum Payment Due for Credit Access Line $951.00 1-847"888-6600
Total Minimum Payment Due $95100 ACCOUNT INOUIRIES
P O Box 15298
Wilmington, DE 19850-5298
VISA SIGNATURE SUMMARY Ac not Number . 4368 54001097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance $48.42421 Credit ss Lire $54.000 W1lminglon
DE 19886-5153
Payment. Credits -$1,00000 Avant Credit .
$6.417
Finance Charges 4158.27 Cash CCesa Una $54.000 VISIT US AT
New balance _$47,50248 Avail a for Cash
i $6.417 www chase rnnNnarnoll
MARRIOTT REWARDS POINTS EAR NED;
Points earned this statement from purchases 0
Points translerred to Marriott 0
Open Manton Rewards accounts that are not in default a4 described in your
Cardmenber Agreement earn3 pants per dollar at moralhan 2.300 paniopating
Marriott locations: 1 point per dollar tot other purchases.
TRANSACTIONS
Trans Arroura
Dale Reference Number Merchant Name o (Trans Ilion Description Credit Debit
05/0711281262700005311095627 Payment-Thank ou $1,000.00
Finance Charge
Daily Periodic Rate Corresp. Ave,ag Daily Due To Trartsacton Accumulated FINANCE
Category 30 days in cycle APR ante Periodic Rate Fee Fin Charge CHARGES
Purchases V 04175% 15 24% $0 W $000 $0.00 $0,00 $0.00
Cash advances V 05682°/. 20 7411. $000 $000 $000 $0,00 $000
Promotional summary 01093% 3.99% $48 7.57 $15827 $0.00 $000 $158.27
Total finance charges $158.27
Etfecllve Annual Percentage Rate (APR): 3.09%
Please we Inlom,aLOn Abdul Your :=, stion for b lance computation method. grace period. and other imponanl mtormalon
Th e Corresponding APR is the rate 3:
ou pay n you carry a balance on arty transaction category
The Eflec ive APR represents your total finance charges including iransacton lees
such as cash advance and balance transier lees - exiles d as a percentage
This Statement Is a I acsimiie - Not an original
DGWM F;SU&U C 2 000 N 2 13 a P.Qe l .1 05056 -W I SM's i o!"XIMC)m SWIM
z 0001 ea, 3051
110 of 153
i
Statement for accourd atumber. 43R8 5400 110097 9962
New Balance Payment Due Date Pasl Due Amot)bM Minimum Payment
$66,74310 07/08108 7106 0 $934.00
Melee heck bl.t.
`QrtI?? Chax 9erviecs.
`Y Please eeamount enclosed
New a ass or -11 Print on b-k
4388540010978962000934DUON6743100000ECS
+oilae eoc z 1 sacs c
KEITH A BARE FOOT
144 MILLERS GAP RD
ENOLA PA 17025-1 Oil
Aamott
REWARDS-
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Ir..lit..rill....rt.1.Irirr..IIIL.r.rill.r.ILIi.LLiirL.ll
8670972
s:500011,60281: 2 9 500 Ii09 7896 26ae
OpeninglCng Date: 05/14108-06113108 CUSTOMER SERVICE
Aamott Payment Uua Date 07108/08 In U.S 1-800.338-5960
REWARDS. _ Espanol 1-888-446-3308
TED 1-800-955-8060
Pay by phone 1-800436.7958
Outside U.S call collect
1-847-888-6600
Mnirnun Payment Due for Credit Access Une $934.00
Total Minimum Payment Due $93400 ACCOUNT INQUIRIES
P 0 Box 15298
Wilmington, DE 19850-5298
VISA SIGNATURE SUMMARY count Number 4368 54001097 9962 PAYMENT ADDRESS
-PO . 80.15153
Pre"OUS Balance $47,592.48 Cr Access tine $54,000 VAIrninglon. DE 19686-5153
Payment, Credits -$1,000.00 Avef Credd $7256
Finance Charges 4160 62 Cast I Access Line $54,000 VISIT US AT-
New Balance $46.743 10 Avail able for Cash $7.256 www Chase 001TIOGIM01t
MARRIOTT REWARDS POINTS FARNFr3
Points earned his Statement from purchases - 0
Points transferred to Mamoft 0
Open Marron Rewards accounts that are not to defaas described in your
Cardmember Agreement earn 3 points par dollar at re than 2.300 parlidpaling
Marriott locations. 1 point per dollar for other purchase .
TRANSACTIONS
Tm Amount
Date Reference Number Merchant Namelor Transaction Description Credit Debi
06/06 115815132700005440796824 Payment - Than You $1,000 o0
1
FINANCE CHARGES
Daily Periodic Rate Corresp
Category 31 days in cycle APR
Purchases V 04175% 15 2476
Cash advances V 05682% 20741/6
Promotional summary 01093% 3 991/6
Total finance charges
Effective Amuet Percentage Rate (APR):
Please see Inlormation About Your Account section
The Corresponding APR is the rare of interest you p
The Effective APR represents your total finance Chit
such as cash atdvancce and balance Iransie lees - e
Finance Charge
:rIT Daily Due To Transaction Accumulaled RNANCE
?Belence Periodic Rate Fee Fin Charge CHARGES
$0.00 $000 $0.00 $0.00 $0.00
$0.00 $0.00 $0.00 $000 Woo
$4V.402.96 $160.62 $0.00 $000 ''.160.62
$16062
balance computation method. grace period. and other important inionnation
iulhen you carry a balance on any transaction category
s - including transaction tees
essed as a percentage
Can paying your
Signature(R) Card
the 2000 ViSgR)
necessary
0000013 F633334C 2
Z OoOa IN513M6
with you Marriott Rewards(R) Visa(R)
something to look forward tog Thanks to
Pay Sweepstakes, it can! No purchase
loam more, Visit Vim conYLilipay
April / and June 30, 2000
This Statement Is 0 Facsimile - Not an original
000 N 2 13 a P.C.1 a1 05056 YAWN 4mo8 1,51000007000101106o1
148 of 153
i
statement for account number 4388 5400 7 SW2
New Balance Payment Due Date Past Due A hj Minimum Payment
$45,895a5 08/07108 S0; 0 $91ZDo
coke theca P.yebfe to:
Chas d tRrvtees•.
Pteas9 ee errwnt enclosed
New add ass a r V P-t on bed.
4388540010978962000917000q]5895850000005
8670972
261 ore Bet z 19508 C
KEITH A BAREFOOT
744 MILLERS GAP RD
ENOLA PA 17025-1011
I
1:5000 1,60 281: 2 ? SOO L09 7896 26Me
Opening/Cl ng Date. ON14/08 -07/13/08 CUSTOMER SERVICE
Aarriott Paym ent D e Date 08/07/08 to U'S t-800-338-5960
REWARDS. Espanol 1-888-046-3308
TDD 1-800-955.8060
Pay by phone 1-800-436-7959
Outside U.3 call collect
Minimum Payment Due tot Credit Access Line $917.00 1-847-889-5600
Total Minimum Paymenl Due $91700 ACCOUNT INQUIRIES
P O. Box 15298
Wilmington, DE 19850-5298
VISA SIGNATURE SUMMARY A count Number' 4388 54001097 8982 PAYMENT ADDRESS
P O Box 15153
Previous Balance $46,743.10 Cred Access Line $54.000 Wilmington, DE 19806-5153
Payment. Credits -$1,000.00 Avail ... $s. 104
Finance Charges 4152.75 Casl, Access Line $54.000 VISIT US AT-
New Batarim $45,895.85 Avail a for Cash $8.104 www dhase mrtJmwnott
MARRIOTT R WARn% POINTS FAR NFI ?
Points earned this slalement from purchases 0
Points transferred to Marriott 0
Open Marriott Rewards accounts that are not in default II°s tlescrnbed in your
Cardmember Agreement earn 3 pants per dollar at mo than 2.300 participating
Vernon locations. 1 pout per doter for other purchase
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Reference Number Merchant Name it Transaction Description Credit Debit Transaction Description Credit Debit
07/07 11891892700005571395938 Payment -Then Ycu $1.00000
Daily Periodic Rate Corresp.
Category 30 days in eyrie APR
Purchases V 04175% 1524%
Cash advances V 05682% 2074%
Promotional summary 01093 % 399%
Total finance charges
Effective Annual Percentage Rsle (APR):
Please see Information About Your Account section tot
The Corresponding APR is the rate of interest you pay
The EOeciva APR represents your tote] finance charge
such as dash advance and balance transfer fees - expr?
DDODD02 FS393ailC2
Z W04 NS13319
Finance Charge
Daily Due To Transaction AcalnaJated FINANCE
lance Periodic Rate Fee Fin Charge CHARGES
S000 S000 $0.00 $0.00 $000
$0 00 $000 $0.00 $000 $000
93 80 $15275 $0.00 S000 $15275
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19686-5153
$15275
3a1anee computation method, grace period, and other important information
"n you carry a balance on arty transaction category
I - including transaction lees
ssed as a percentage
This Statement Is al Facsimile - Not an original
000 N Z 13e rna Pi9ah dl pA56 Ww26foe 195100000womino h
'warrlott
REWARDS.
I.J..I I...I.I....1111.1...1{..1.1...//..1/..3
114 of 153
i
Statement for accourN number- 4388 54W 197 8962
New Balance Payment Due Dale Past Due Amotp?f Minimum Payment arno"
$45.05074 09107MO $0 0 $901.00 REWARDS.
. M.ke Y r eMdi gy.ge to:
Ch.- C rd 9mlces.
Pleas. 4. amount ericbsud
New.dd s u ama11 Prim on bad.
438854001097896200090100045050740000001
8670972
t9B 80 zmoat I...Ill. ..I.J
I
L
1
(
il
ll
61
J1
1
1
11
11
1
KEITH A BAREFOO i .
.,
.
l ..
.
.
....
..
..
.
...
..
..
144 MfLLERS GAP RD
E NOLA PA 17025-1011 CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19885-5153
Ir..ill.rrlll.,...IrLLL..11111.rrrlrllrr.l?.1?.1.1r.lrlrrll
1:5000 1660 281: 23 500 i109 7896 26ax
OpeninyClgsIngDate
amofi Pa
ment DtU Date 07/14`08-08/13/08 CUSTOMERSERVICE
09`07108
y In U.S 1-800-338-5960
REWARDS, Espatloi 1-888346-3308
TDD 1-800-955-8060
Pay by phone 1-800-435-7958
Outside US call collect
Minimum Payment Due for Credit Access Line $901.00 1-847-088-6600
Total Minimum Payment Due $90100 ACCOUNT INQUIRIES
P O. Box 15298
Win inglon, DE 19850-5298
VISA SIGNATURE SUMMARY Ac Number 4399 54001097 8962 PAYMENT ADDRESS
Previous Balance $45.885.85 Credo
Access Line P O Box 15153
.564.000 VAIntinyton
DE 19886-5153
Payment- Credits -$1.000.00 Avail Credit .
$8.949
Finance Charges 415480 Cash ccess Line F54.000 VISIT US AT-
New Balance E45.o5o 74 Avail a for Cash $8.949 www dhasw wmhnarriox
MARRIOTT RFWARn-; POINTS FARNFn
Points earned his statement from purchases 0
Points transferred to Marriott 0
I
Open Marriott Rewards accounts that are not in delat9t described in your
Cardmember Agreement earn 3 points per dollar al m Ohm 2,300 participating
Marriott locations. I point per dolor fa other purchases.
TRANSACTIONS
FINANCE CHARGES
Finance Charge
Daly Periodic Rate Corresp. Avers Daily Due To Transaction Ac¢rrnutaled FINANCE
Category 31 days in cycle APR B anoe Penodlc Rate Fee Fin Charge CHARGES
Purchases V 04175X. 1524% 00 $000 $0.00 WOO s0 00
Cash advances V 05682%. 20749/6 00 $0 00 $0.00 $0.00 $0 00
Promotional summary 01093%. 399% $45, 3 55 $15489 $0 00 $000 $154 69
Total finance charges $154 O9
Etlecdve Annual Percentage Rate (APR): 3.
Please see Infamafion About Your Account section for b rice comFulation method. grace period. and other imponarx iMormaton
The Corresponding APR is the rate of interest you pay an you carry a balance on any transaction category
Th e Etfeclye APR represent your total finarxe charges including transaction lees
such as cash advance and balance transfer fees - expres d as a percentage
This Statement Is a Facsimile - Not an original
01000001 Fla-339 C2 0100 N Z r3 3 P.C. t.1 mm aµrrlh IBOte 2281 ceoo@osot 113B0or
z m"
112 of 153
Statement for a«Ottn1 number: 43e6 54001 > WBz
New Balance Paylnant Due Dele Past Due nt Mnxmum Payment 'arn011
$4420265 10/05/08 So.po $584.00 R E W A R D S-
Makc yyyyyyeeeeee?l?y!!rrvvrr chcdc payaW te:
Chahhc 9ervkes.
Pkasa 4a arrout crMOSCd
New If ass r wmad? Pmt m beck
436854DD1D97896200088400044202650000003
retina z257aec
KEITHA BAREFOOT
144 MILLERS CAP RD CARDMEMSER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
ti:500D i6D28s: 2$SD0 &D97896 2&a'
Opening
sing Dale'. 05114 /0 8-0 6113/08 CUSTOMERSERVICE
?1Aarnotl t
Payment Dye Date 10/0&OB In U S 1-800-338-5960
REWARDS. Espanol 1-888-416-3308
Too 1-800-955-6060
Pay by phone 1-800-435-7955
Outside US call collect
1-847-888-66M
8670972
Minimum Payment Due for Credit Access tine
Total Minmum Payment Due
$864.00
$88400 ACCOUNT INQUIRIES
P 0 Box 15298
Wilmington, DE 19850-5298
VISA SIGNATURE SUMMARY A CM" Nur be 4389 54001097 9962 PAYMENT ADDRESS
P O Box 15153
Previous Balance S45,050.74 Gad Access Line $54.000 Wilmington. DE 19986-5153
Payment, Credits -51,000.00 Avail CreQn $9.797
Finance Charges +E151 91 Ca Access Line 554.000 VISIT US AT,
New Balance 544-202 65 Argil br Cash $9.797 www chase mMmerrion
MARRIOTT RFWARn4 POINTS ARNEQ
Points earned this statement from purchases 0
Points transferred fo Marriott 0
Open Marnon Rewards a¢ounfs that are not in default Lps described in your
Cardrnemher Agreement earn 3 points per dollar at moile than 2,300 panicipaing
Marion locations, 1 point per dollar for other purchases!
TRANSACTIONS
Trans Annum
Date Reference Number Merchant Name ?r Transaction Descriplion Credit Debit
09/0512492492700005814735560 Payment - TheYou $1,00000
F inance Charge
Daily Periodic Retie Coresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in qde APR balance Periodic Rate Fee Fin Charge CHARGES
Purchases V 04175% 152414 $000 $0 00 S0.00 50.00 $000
Cast advances V 05682% 2074% $0 00 $000 $000 $000 $D 00
Promotional summary 01093% 399% $441834.75 $15191 $0.00 $0.00 $15191
Total finance charges $15191
Effective Annual Percentage Rafe(APR): X99%
Please we Information About Your Account section for glance computation method, grace period, and other imponam information
The Corresponding APR is the rate of interest you pay n you carry a balance m any Panseciion category
The Effective APR represents your total finance dlarge - including transaction fees
such as cash advance and balance transfer tees - expr sad as a percentage
This Statement is al Facsimile - Not an original
0000003 FI537384 C 2 coo N Z 13 3 Pipe l d l 05056 10I1 MI1 18113 2501000D02 a1 MM
z D004 WS 3330 wS13386
142 of 153
Statement for account number 4388 5400 Tos7 W62
New Balance Payment Due Dote Past Due Amou Minimum Payment
$5258727 11/07/06 $0 ,0 $1.05100
Make ble
Ckax C-r check paya to:
r:
Please a-t0/.
mount encbsed
New addrs or -0 Pmt on back
43885400109789620010510002587270000003
8670972
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 1 702 5-1 011
'amott
REWARDS.
CARCMEMBER SERVICE
PO BOX 15153
W1LMINGTON DE 19886-5153
1: 5000 LSO 281: 23 500 109 7896 268•
OpentngrC1 ng Date'. 09/14108 - 10/13/08 CUSTOMER SERVICE
Aamoti Payment DL a Dale 11/07108 In U.S. 1-800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7950
Outside U.S call collect
1-847.888-6600
Mchimun Payment Due br Credit Access Line $7051.00
Total Minimum Payment Due $1 051 00 ACCOUNT INQUIRIES
P O Box 15298
Wilmington, DE 19650-5298
VISA SIGNATURE SUMMARY A count Number 4399 PAYMENT ADDRESS
P 0 Box 15163
Previous Balance $44,202.65 Credi Access Line 154,000 Wdminglort DE 198863153
Payment, Credits -$1,00000 Avail ble Credit $1.412
Purchases. Cash. Debts 0/$8.03000 Cash Amass Line $54.000 VISIT US AT'
Finance Charges +$354.62 Avail; ble, for Cash $1472 www chase com0mamon
New Balance $52.58727
MARRIOTT REWARns POINTS FARNFn
Points earned this stalement 1mm purchases 0
Points transferred to Marmon 0
Open Marnoll Rewards adounts that are not in default s described in your
Cardmember Agreement earn 3 points per dollar at mo than 2.3D0 participating
Marrion locations. 1 point per dollar for other purchases
TRANSACTIONS
Trans Amount
Date Relerence Number Meclhant Name dr Transaction Description Credit Debit
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp Avera0 e Daily Due To Trarsacion Accumulated FINANCE
Category 30 days in cycle APR B alance Periodic Pale Fee Rn Change CHARGES
Purchases V 04175% 1524% ( $13.03 $016 $0.00 $000 1o 16
Cash advances V 05682% 20 74% $000 5000 $0.00 $000 $0.00
Convenience check V 04175% 1524% 9;0 00 9A 00 $199.00 $000 $199.00
Promotional summary 01093% 3.99% $44 039 32 $144 40 $0.00 $0.00 $144 40
Promotional summary 00819% 299% $4 502 56 $1106 $O.DO $000 $1106
Total finance charges $354.62
Effective Annual Percentage Raft (APR): V
Please see Information About Your Account section for
The Corresponding APR is the rate of interest you pay
The Etectve APR represents your total finance charge
such se cash advance and balance transfer teas - exit
000002 FW3 CZ
Z 0001 wslux
glance computation method. grace period. and other important information
hen you carry a balance on any transaction category
- including transaction lees
used as a perceraage
This Statement is al Facsimile - Not an original
000 N Z 13 cilnwa Pyet at Qi056 M0.1a1 te3eo 2971 ? 83W0h
130 of 153
II
statement for account number 4388 b4001A087 W62
Now Balance Payment Due Date Past Oue ArratJ?lnt Minimum Payment
ES 7 706 08 12/08118 ED 0 $1.03400
Make check payable to:
los
1 w
es 9
Plwsa eaemount sa0
New ed4 ass rr o-mai?NhcbPrint m oed
43885400109789620010340001706080000001
X012 8EX Z 31 eae C
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
CAROMEMSER SERVICE
FO BOX 15153
WILMINGTON DE 19BB6-5153
i...lll.rrlli.r...1.1.1.l...11111..rrrrll.,.ll.?..l.lr,l,lrrll
3670972
l: 5000 160 281: 2 1 500 1097896 269•
OpeninglCl sing Date 10114.'0 8 - 1 1113/08 CUSTOMER SERVICE
Aarnotl Payment D Date 12108/08 In US 1-800-338-5960
REWARDS. Espatlol 1-888-446-3306
TDD 1-800.955-8060
Pay by phone 1-800-436-7958
Outside U S call collect
Mminhum Payment Due br Credit Access Line $1,034.00 1-847-868-6600
Total Minimum Paymenl Due $103400 ACCOUNT INQUIRIES
P O Box 15298
Wllrrenglon, DE 19850-5298
VISA SIGNATURE SUMMARY A unt Number 4388 59001097 99152 PAYMENT ADDRESS
P O Box 15153
Previous Balance S52.58727 Cred Access Line $54.000 VAIminglon, DE 19886-5153
Payment, Credits -$1,05100 Avail Credit $2,293
Finance Charges +5169.81 Cash ess Una $54.000 VISIT US AT-
New Balance $51 706.08 Avat for Cash $4293 www Chase r»nlmarnoa
MARRIOTT REWARDS POINTS FARNFQ
Points earned this gatemen lrom purchases 0
Poims lmnslerred to Marriott 0
Open Marriott Rewards accounts that are not in delault s described in your
Cardmember Agreement earn 3 points per dollar at mort than 2.300 partiopaiing
Marriott loceoons. I point per dolor for other purchases,
TRANSACTIONS
Trans,
Date Reference Number Merdlant Name or Transaction Description
Amount
Credo Debit
11107 13123122700006139309502 Payment -Thank ou $1.051.00
FINANCE CHARGES
' Finance Charge
Daily Periodic Rate Corresp. Averag
Daly Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR ance Periodic Rate Fee R. Charge CHARGES
Purchases V 03901% 1424% 3.51 $025 $0.00 $0.00 $0 2e
Cash advandrs V 05406% 19 7411. $0.00 $D DO $0.00 $0.00 $0.00
Convenience check V 03901% 1424% $0 00 $000 $000 $0.00 $000
Promotional summary 01093% 399% $436.07 $14701 $000 $000 $14701
Promotional summary 00819% 299% $8. 69.06 $22 52 $0.00 $000 $2252
Tole finance charges $169.01
Etlectlve Annual Percentage Rate (APR): 3.09%
Please see Inlormalion About Your Aoeount section for once computsion method. grace period, and other important information
The Corresponding APR is the rate o1 interest you pay n you carry a balance on any transaction category
The Etlectiva APR represents your Iola 1 finance charges inGuding 7renaSCtion lees
such as cash advance and balance transfer, lees - expr sed as a percentage
This Statement Is a Facsimile - Not an original
o0o0017 FW393aC2 00e N Z 13 fn3 Papef a, M% AMMA22e12 31810=0200072x1201
z WdINS1:M35 NSl3tN
Aarnott
REWARDS-
132 of 153
Statement for accotatl rwmber: 4388 54DO 1 78962
New Balance Payment Due Gate Past Due MMnnWQVttt Minimum Payment
$50,83420 01/07/09 $0 0 $1,01600
Mate cheCk payabieto:
Chax
v.
Please .now
4e enfnt en
New add s ar emaO Pant
Print on Deck
4388540010978962001016000$0834200000006
-. aec z 3e(fCe c
KEITH A BAREFOOT
144 MLLE RS GAP RD
ENOLA PA 1 702 5-1 011
Ir.rllla..lll.rrr.l.l.l.l.r..1111.r...all.a.ll.?..l.l..lrla.ll
Aamoti
REWARDS.
CAROMEM8ER SERVICE
PO BOX 15153
WILMINGTON DE 19866-5153
1:5000 X60 281: 23 SDO 1097896 26,11
Openingra4sing Dale 11/14/08 -12J1310 8 CUSTOMER SERVICE
Aarnott Payment D a Dale 01107/09 In U S 1-800-338-5960
R E W A R D S. Espeflol 1-888.446-3308
TOD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside Us call collect
1-847-888-660n
8670972
Minimum Payment Due for Credit Access Um
Total Minimum Payment Due
$1,016.00
$1016.00 ACCOUNT INQUIRIES
P O Box 15298
Wilmington, DE 19850-5298
VISA SIGNATURE SUMMARY A eount Number. 4398540010978962 PAYMENT ADDRESS
P O. Box 15153
Previous Balance S61 70608 Cred Access Line $54,000 Wilmington, DE 19886-5153
Payment, Credits -$1,034.00 Avail Credit $3.165
Finance Charges 4162 12 Cash ess Line S54.D00 VISIT US AT,
New Balance $50,834.20 Avail, for Cash $3.165 www chase cortJma riot
MARRIOTT REWARDS POINTS FARNFQ
Points earned fnis statement tram purchases 0
Points transferred to Marriott 0
Open Marriott Rewards accounts lhai are nol in detaull 0 described in your
Cardmernber Agreement eam 3 points per dollar at more than 2,300 participeling
Marrion tocelions. 1 point per dollar for other purchases;
TRANSACTIONS
Tracts
Date Reference Number Merchant Name d
r Transaction Description Amount
C edit Debit
12/05 13403402700006220827392 Payment - Thank You $1,034.00
FINANCE CHARGES
F inance Charge
Daly Periodic R" Corresp Arm a Daily Due To Transaction Accumulated FINANCE
Calegory 30 days in cyde APR $alance Periodic Rate Fee Fin Charge CHARGES
Purchases V 03901% 14,24% $019 $000 50.00 $0.00 $000
Cash advances V 054081/. 19 741/6 .. $0.00 $0.00 $000 $0.00 $000
Promotional summary 010931/6 3:9% $431374.28 $142.22 $0.00 $0.00 $14222
Promotional summary 00819% 2 9% $8 099 91 $19.90 50.00 $0.00 519.90
Total finance charges $16212
Eftective Annual Percentage Rate (APR): 477%
Please see Informalion Ab0u1 Your Account section 1pr aiance cOmpulaoon method. grace period. and other importers inlocmalion
The Corresponding APR is the rate of interest you pay n you carrya balance on any transaction category
The Effeclive APR represents your total finance charge - including transaction fees
such m cash advance and balance transler fees - expr sad as a percentage
This Statement is al Facsimile - Not an original
0000001 F1531194 C 2 eD0 N Z 13 213 Pace 1 d 1 06056 WW1 09649 347100000200000949M
000!
118 of 153
11i ??
Statement for account number: 4388 5400 7gy7 8982
New Balance Payment Due Date Past Due Annoutil Minimum Payment Aarr$Ott
$49,993.74 02/07/09 $000 $999.00 REWARDS.
` Make yo heck p.yeGC to:
[W(; Chax C d servkea.
Please a amount enclosed
New. iddr s or e-m.V Print on hark.
438854001097896200099900049981740000005
=met l-C 1...111.
KEITH A BAREFOOT
144 MILLERS GAP RD CAROMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
L..IIIa.Ills...1.L1.111.11111.1111111rr.ll.ll.1.1.11i1.r1 I
1:5000 L60 281: 231500 L097896 26Ne
OpenngrCla ?ing Date: 12J14103 - 01/13 /09 CUSTOMERSERVICE
Aamet1 Peyrnard [Jt.? b Dale 02/07/09 In U.S 1.800-338-5960
REWARDS. Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U S 0911 collect
1-847-888.6600
Minimum Payment Due for Cretin Access Line $999.00
Total Minirtum Payment Due $999.00 ACCOUNT- INQUIRIES
P O Box 15298
Wilmington. DE 19850-5298
VISA SIGNATURE SUMMARY Ae 1 Number: 4399 54001097 8962 PAYMENT ADDRESS
P O Box 15153
Previous Balance 550.834.20 Credit Access Line $64.000 Wilmington. DE 19886-5153
Payment. Credits -$1,016.00 Avail a Credit $4.016
Finance Charges 4165.64 Cash ess Line $54.000 visrr us AT-
New Balance $49.983.74 Avails , a for Cash $4.015 www chase cpwma non
MARRIOTT RFWARDS POINTS EARNED,
Poins earned this statement from purchases 0
Points Ininsterred to Marriott 0
Open Marriott Rewards amountsthat are not in delault described in your
Cardmernber Agreement earn 3 points Par dollar at mor? than 2 300 participating
Marriott locations: t point per dollar for other purchases.'
TRANSACTIONS
Trans
Dale Reference Number Merchant Name oi. Transaction Desc iplion Amount
Credit Debit
01107 10070072700006391141440 Payment-Thank ou $1.016,00
FINANCE CHARGES
Finance Charge
Daly Periodic Rate Corresp. Avera Daly Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR B lanee Periodic Rae Fee Fin Charge CHARGES
Purchases V 03696% 1349% $000 $0.00 $0.00 $0.00 $0.00
Cash advances V 05203% 18 991/. i s0 00 $0.00 $0.00 $0.00 S000
Promotional sump y 01093% 3 991/6 $43,# 84 38 $14700 $000 $000 $147 00
Promotional summary 00819% 299% $7. 01 13 $1854 $000 $000 $1854
Total finance charges $165.54
Eflective Annual Percentage Rate (APR): 3. 11%
Please see Informalion About Your Account section for lance computation method. grace period, and other important inlornration
The Corresponding APR is the rate of irnaresI you pay n you carry a balance on any aansaaion category
The Effective APR represents your total finance charges including transaction fees
such as cash advance and balance transler tees - expr sed as a percentage
8670972
This Statement is a facsimile - Not an original
0000001 F93339a C2 000 N Z 13 A3 Pqr t .1 05054 .l1 All1 11211 013100na92e0e1.2640r
X DON
92 of 153
Payment Due Dale New Balance Past Due Am rrill Mln4nure Payment
00//0/09 $49.1,005 50.00 (98200
Account number 4388 5400 1087 8962
t+.ke chcdcP.y.date:
?? Ch acre and 9avk
'I- r 4aamolnt
encbsed
New a ess or wmaV Print on bed.
4388540D1D978962DDD982DDDk9148D50DDDDD6
KEITH A BARE F007
144 MILLERS GAP RD
ENOLA PA 17025-1011
1...111...ill.r.r.LLLI....IIILr....iL..I1.Ir.LLJ,1r.ll
1:5000 L6O 281: 2 ? 500 LD97896 261,'
Aameli Statement Dale'
01/14 09 - 02113/09
REWARDS. n
Mi
imum Paymem 5994.00
Pa ent Due Date- 0371 OM9
Mnimurn Payment Due for Credit Access Line $982.00
Total Minimum Payment Due $982.00
ACCOUNTSUMMARY "SASIGNATURE aunt Number 4388 5400 1097 896
Previous Balance $42.95374 Credit Access Line $64.000
Payment. Credits -5899.00 Avail de.Getlil 54,851
Finance Charges .5763.31 Cas Accesa Line $64,000
New Balance $49.148 OS AV I. elor Cash $4.851
Manage your.ccount online:
www chase mrNmarrica
Addid.nat centaC Ird.rrrYtlen
oo-niontly locarod m rav.rsa side
Points earned this stetemenl irorn purchases 0
Points iranslerred 10 Mamott 0
i
Open Mardotl Rewards accounts lhal are not in delault described in your Cardmember Agreement earn 3 poims per dollar at
more than 2.300 participating Mamon locations. 1 point er dollar ior other purchases
ACCOUNT ACTIVITY
Date of
Transaction Merchant Narrre or Transaction Desi[rlOtbn $ Amount
02106 Payment - Thank You -999 00
Daily Periodic Rate Corresp. Avers
Category 31 days in cycle APR
Purchases V 03696% 13.40%
Cash advances V 05203% 18.99%
Promotional summary .01093% 3.99% 54-
Promolorel surnirary 00819% 299% V
Total finance charges
Effective Annual Percentage Rafe (APR):
Please see Imorrmiton About Your Accoum section for
The Corresponding APR is the rate of interval you pay i
The Etiao" APR represents your total finance charge
such as cash aWance and balance yansier lees - expn
Finance Charge Transecson
Dally Due To Fee / Accu nulaled FINANCE
lance Periodic Rate Service Charge Fri Charge CHARGES
$0.00 $O.00 $000 50.00 $000
$O.OO $0.00 $0.00 SOW $0.00
63.34 $14700 50.00 $0.00 $147.00
22.25 $1631 $000 $0.00 $1631
5763 31
lance computation melhod. grace period. and orler important inloanation.
an you carry a balance on any iranswiton mlegary
including transaction tees
led as a percentage
8670972
We are bdnrg you dear and simple! Take a
bok althe now 1 nnet o1 your sIslemem - vre hope you
tmd it easier to r d. h still has everything you need on
lie from and b with inlormation snVfy displayed.
This Statement is al Facsimile - Not an original
x 0000002 F1533 C2 000 x z 13 3 Pag.t d, 05056 W W 31650 0.10000C00111165ea,
o60. Ms,36a5
Aarrmott
REWARDS.
CAROMEMSER SERVICE
PO BOX 15153
WILMINGTONDE 19086-5153
94 of 153
i
Payment Due Date New Balance Past Due Amo il"i Mintrrlum Payment
oamros Ssz.9s7 z7 $0 00 S1,os9 0o J?arr10t1
REWARDS-
AccourH dumber: 4388 5400 1097 8962
wke ehsea arse co:
Chax C 9e mount .
Pbasa as a rd-.d
New add s or e- ... meV Pnnt on 6edr
4388540D1D978962001059DOD.$2957270000004
-vr 6e zmasc L..111.i..l..i.l..L.IL..1.1....Il.l.l...ll..l,l...ll..il..l
KE,TH A BAREFOOT
144 MILLERS GAP FRO CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15753
WILMINGTON DE 19886-5153
i:500D L60 281: 2 1 5?O LD9 7896 260
8670972
,Harrwtt
REWARDS.
Minimum Payment Due for Credit Access line
Total Minimum Payment Due
Statement Date:
02114109 - 03/13/09
M110mum Paymem $1,059.00
Painem: Due Date: 09107109
$1.059.00
$1.059.00
ACCOUNT SUMMARY VISAMGNATURE coumNumber 4389 5400 1097 896
Previous Balance 549.149.05 Cre Access Line 56+1-OOD
Payment. Credits -5982.00 Avei de Credit S1,042
Purchases. Cash, Debits +54.500.00 Cas Access Line 554.000
Finance Charges «$291.22 Availbfe for Cash 57.042
New Balance $52.95727
[;' 6Ynageyouram-tonline:
wane chaso opm1marrica
Addlaanal contack kdormanan
oonweni-ty, located m reverse side
MARRIOTT REWARDS POINTS EARNS
Pdms earned Ihs statement from purchases O
Poems transferred to Marriott
O
Open Marnoll Rewards accounts that are not in defaull tlesaibed in your Cardmentw Agreement earn 3 points per dollar at
more than 2.300 participating Mamott locations, 1 poem dollar for other purchases.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Des !kyion S Amount
03/09 Payment - Thank You -982 00
02125 78910 CHECK TO KAB GRP INC 4.50000
0227 TRANSACTION FEE 135.00
Finance Charge Transaction
Daily Periodic Rate Corresp Avera
Daily Due To Fee/ Accumulated FINANCE
Category 28 days in cycle APR gp
lance Periodic Rate Ser ce Charge Fn Charge CHARGES
Purchases V 03696% 13.49% $0.00 50.00 $0.00 $0.00 $0.00
Cash advances V 05203% 1899% so DO $0.00 $3.00 $000 $000
ConveNar,m theca V 03696% 13 49N. 50.00 $000 $13500 $000 $13500
Promotional summary 01093% 3.99-/. $43f387 13 $13278 $0.00 S000 5732 78
Pronrotional summary 00818Y. 29 9Y. .655.57 $12.97 So OD $0.00 S1297
Promotional summary 01367Y. 4 $2 135.08 $10.47 $0.00 $0.00 $10 47
Total linance charges $291 22
Etfectlve Annual Percentage Rate (APR): 6
Please see Information About You Account section for I
The Corresponding APR is the rate of interest you pay v
The Effective APR represents you local finance charges
such as cash advance and balance tansler tees - etpre
0000001 FlSaaa.16C2
z ace.
fiance compilation method. grace period. and other important information.
an you carry a balance on any transaroon category
. including lransaclon tees
sed as a percentage
This Statement Is 0 Facsimile - Not an original
OW u z to a Paaat.1 a50% --also 0121 D000020OWlaah 01
102 of 153
i
Paymerd Due Dals New Balance Past Due Arta l Minimum Payment `,
06/08/09 552.076 51 50.00 51,041.00 ,?arrlOtt
REWARDS-
Account rttimber: 4368 5400 1097 8962
$ ?? Makeyo ruro peyaWeto:
Chase d 9ervkea.
Please or ntendosetl
New add sss or email Print on cork
4388540010978962001041000420765100D0004
8670972
liu.r aD(2 103091
KEITHA BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
E NOLA PA 1 702 5-1 011 PO BOX 15153
WILMINGTON DE 19666-5153
I...Ilir,.Illr.rrr I.I.I rlr rarllll.r.,.,lia r.ll.?a.l rlarialrall
r: 5000 L60 281: 2 3150? LD9 7896 260
Statement Date
Aarrwtl 031141'09 - 04113/09, J;;k i6nage yaar arsount online:
REWARDS. wwwch opallniarrIctl
Ni chum Payment $1,041.00
i
Z
Pa
, Due Date' 05108W
Additional mntaC kl/emrtlon
Minintrm Paymem Due Tor Credit Access tine $1,041.00 oonveriiwvdy located on course side
Total Matunum Payment Due $1041 00
ACCOUNTSUMMARY VISA SIGNATURE count Number 4368 5400 1097 0%
Previous Balance $52,957 27 Credi Adeess Une $64.000
Payment. Credos -$1,059.00 Avail de Credit $1.923
Finance Charges 4179.24 Cash Access Line S54-000
New Balance $52,076.51 Avail tie fa Cash 57.923
MA RRI07T REWARDS POINTS EARNE
Poims earned this slatemem from purchases 0
Palms transferred 10 Maniolt 0
Open Marriott Relrards accounts that are not in default s described in your Cardinember Agreernenf earn 3 points per dollar at
more than 2.300 perlicpaling Marriott locations, 1 point r dollar Tor other purchases
Date of
Transaction Merchant Name or Tr[
04106 Payment - Thank You
Daily Periodic Rate Corresp Avera
Category 31 days in cycle APR
Purchases V 03696% 1349%
Cash advances v 05203% 16 99%
Convenience check V .03696% 13 49%
$4;
Promofonal sunmary, 01093% 3991/6
Prorrloional summary 00919% 299%
$
Prornotional summery, 01367% 4.99% fr
Taal finance charges
EHeclive Annual Percentage Rata (APR):
Please see Imormation About Your Account section for
The Corresponding APR is the rate of interest you pay'
The Etfeclive APR represents you total finame charge
such as cash advance and balance vansler Ines - exDr
$ Amount
-1.05900
Finance Charge Transaction
Daly Due To Feel
lame Periodic Rate Service Charge
$000 $000 $0 00
$0.00 $0.00 $0.00
$0 00 $0.00 $0.00
72 77 $146.96 $000
90.90 $1214 $000
17 02 $19.14 $0.00
Accumulated FINANCE
Rn Charge CHARGES
$0.00 $000
$0.00 $0.00
$0.00 $o.00
$0.00 $14696
$0.00 $1214
$0.00 $19.14
$17a 24
lance computalion nretthod, grace period. and other important information
err, you carry a balance on any transaction category
including transaction lees
ed as a percentage
This Statement Is a FacsbMle - Not an original
0000001 F63333a C2 000 N Z 13 d1 ?+3 Pape, Ql 05054 -- 1,11367 1Wfe00a(400ehaYlol
z0004
84 of 153
i
i
Payment Due Dale New Balance Past Due Amo 1 YRnimrm Payment
owo7ro6 $at,20625 $000 S0.00
Account rannberr 4388 5400 1097 8962
. Makeyo ehe a pir"Ne to:
ChaxCy. dBervleea.
Piwsa eamountenclosed
Now addl dr s or e-me0 Pnnt on Dark
43885400109789620000000001 1206250000005
-. ar-x z r-c
,KEITH A BABE 100,'
144 MILLERS GAP RD
ENOLA PA 17025-1011
1:5000 L60 281: 23500 L097a96 26aa
Aarno-H
REWARDS.
Mininam Payment Due for Credit Access Line
Total Minimum Payment Due
,Waff toll
REWARDS.
CARDMEMBER 3ERV ICE
PO BOX 15153
WILMINGTON DE 198865153
$0.00
$000
ACCOUNT SUMMARY VISA SIGNATURE wrrfNumber, 4389 5400 1097 696
Previous Balance $62.076.51 Credit cress Line $54.000
Payment. Credits -$1.041 00 Avails a Credit $2,793
Finance Charges .$170.74 Cash cess Line $54.000
New Balance $51.206.25 Avaaa efor Cash $2,783
MARRIOTT REWARDS POINTS EARNED;
Q krnageyouraecountonline:
tra?a cha.amMma,rica
AddIIII-3 -1-it Inf-tlon
converiienoy [seated m revere side
Points earned the statement from w cirleses 0
Points transferred to Mamonl 0
Pants add up quirky when you use your Marriott Rewards Credit Card tom Chase! Earn 3 points for every $1 spent al Marriott.
and 1 point on purchases made everywhere else
ACCOUNT ACTIVITY
Date of
Treinsaclion Merchant Name or Transaction Desalrnion S Amount
05!08 Payment - Thank You -1 041 00
Finance Charge Transaction
Daly Periodic Rate Corresp AverageI Daily Due To Feet Accumulated FINANCE
Category 30 days in eyde APR Ba lance Periodic Rate Service Charge Fin Charge CHARGES
Purchases V 04997% 18.24% 00 $0.00 $0.00 $0.00 $0.00
Cash advances V .05271: 19.24 I. 00 $0.00 $0.00 $0.00 $0.00
Prornotional summary 01093% 3.99Y. $43, 8.95 $14227 $000 $0.00 $142.27
Prornotionel summary 00819% 299% $4,0 7 71 $9.92 $0.00 $0.00 $9.92
Pwricional summary 01367% 4.99% $4.5 4.23 $1e.55 $0.00 SO OD $18.55
Toted finance charges $17074
Effective Annual Percentage Rate (APR): 3.
Please see information About Your Account section for lance computation method, grace period, and other irnportant infonnalion.
The Corresponding APR is the rate of interest you pay v* an you carry a balance on any transaction category
The Effective APR represents you total finance charges - including transaction lees
such as cash advance and balance vmsle lees - e:pre ed as a percentage
You have thnd e te= fty to skip a payment You must pay
peat due a cued t balances iane0iately However
the ranrdning 7rv+wn paymentfor this monlin has been
MdX*d to $0. F charges we.I continue to accrue.
To reduce your telance feel free to make a payment
8670972
This Statement Is a Ifacsimile - Not an original
aooooo2 r:rs3otaa cz ono n z 13
s o+oet st moSa hAnw zaawv rsor ooaoozea?a.esm
x -.S a
Statement Dale
001,4109 - 05113109
MinlI rrum Payment: $0.90
Payment Due Dale- 06/07/09
86 of 153
i
Payment Due Dale New Balance Past Due Amo I MMvI num Payment
07/08/09 $50,280 18 $0.00 $1,00500 Aer no"
REWARDS-
Acaounr nutnbw: 4386 5400 1087 MM2
M,ke yo Ire.ir payaaate:
Chax d Senrleea.
PIw3e no arrant enclosed
New edd sae-ma.? Pnnt on De k
4388540010978962OD1DO5DDO$0280180000006
i c i...1!LL.LJ.i..i..11...61....11.1.1...1L.LL..11..1T.t
KEITH A A BAREFOOT
144 MILLERS GAP HD CARDMEMBER SERVICE
ENOLA PA 1 702 5-1 011 PO 80% 15153
WILMINGTON DE 19886-5153
Ir.1111..rlil...rrlrl.1.Ir..rllllrrr..rllrr.ll.'r.l.lr.i.ir.ll
1:500D ir6? 281: 2 1 5D0 L09 7896 26aa
8670972
>amott
REWARDS.
Mininxm Payment Due for Credit Access Una
Total Minmum Payment Due
Statement Date:
05114/09 - 06/13109
Mlomum Payment $1,005.00
Payment Due Dale: 07MOM
$1.005.00
$1,00500
ACCOUNT SUMMARY VISA SIGNATURE Gourd Number 4368 5400 1097 8%
Previous Balance $61206.25 Cre Access Une 161.500
Payment, Credos 31 100.00 Ave. de Credit $1.219
Finance Charges 4173.93 Ca Access Line $10.300
New Balance $50.280.18 Ava.?ble tar Cash S1,219
rq AYnageyoura -ton8ne:
vuww cha.u mMmerrictt
Additionol oordast IMomatian
oonrcrienoy tweed m r sv side
MARRIOTT REWARDS POINTS EARNE
Points earned fns statement lrom purchases 0
Parris iransterred to MamoB 0
Points add up quc lv when you use your Manion Rewatds Credit Card from Chaser Earn 3 points for every, $1 spent at Marriott.
and 1 point on purchases made everywhere else
Date 011
TrenSBCAOn Merchant Nacre or Transaction Desiotion E Amount
06/05 Payment - Thank You .1 100.00
Finance Charge Transaction
Daily Periodic Rate Corresp Averesy? Daily Due To Feel Accumulated FINANCE
Category 31 days in cycle APR Qalance Periodic Rate Service Charge Fin Charge CHARGES
Purchases V 049871/6 1824% $0.0D $0.00 $0.00 $000 $0.00
Cash advances v 05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00
Promotional summary 01093% 3.99% $43'375.23 $146.97 $0.0D $000 $146.97
Promotional summary 00819% 299% $074.12
1 $780 $0.00 $000 $78D
Promotional summary 01367% 499% $4
522.43 $19 16 $000 S000 $19.16
Total lowce charges $17393
Effective Annual Percentage Rate (APR): 4109%
Please see Intonnaiion Aboul Your =, sion for lance computation method. grace period. and other important information
The Corresponding APR is the rare t you pay, an you carry a balance on any Iran Lion category
The Etiec ive APR represents your total thence charg - ineuding transaction lees
such as cast advance and balance tansler fees - expr ad as a percentage
This Statement is 0 Facsimile - Not an original
We00er FG3939r C2 000 N L 13 3 Pape101 05056 ru an 15910 16d 000D02JW1 S910a
R W MS136e5MS13371
50 of 153
Aamott
$966.00 REWARDS.
Account number 43M 5400 1W7 6962
4r clheck payaWeto:
ar.ke
yo
Chax C Servkes.
d
T
Pgasa as amount encbsed
. a Wmsl? Pmt on txa c
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ad
d
438854001097896200098 80009441520000002
c 6,.11LLJ.,I.L.L .II,..LL,,.ILLL..IL,LL,.I1..11„I
KEITH A A OARE BARE
KEITH
144 MILLE HIS GAP RD CAROMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
L..ill.nltl..rrrlrgirl. r.r1111r.r..
rtlr.ril.? r.LLdJr.tl WILMINGTON DE 19806-5153
1:5000 ih60 281: 2 ? 500109 7896 26ua
Statement Date:
Aarnof l O6/1N09 - 07113109
aynaye your aaoum online:
REWARDS. I www cn?_ aom/mertica
M141mum Payment: $988.00
Pa ant Due Date: 08107A19
Adeltlond CenUA IMemrtkn
Minimum Payment Due for Credit Access Line $988.00 mnraanty, tocrtad on rawrseida
Total Minimum Payment Due $988.00
8670972
i
Past Due Amo nt
Payment Due Date New Balance Minimum Payment
06/07/09 $4s.4at sz Eo 00
ACCOUNT SUMMARY VISA SIGNATURE count Number 4388 5400 1097 896
Previous Balance $50.28010 CreAccess Line $61.500
Payment. Credits 4100500 Avail hie Credit $2.058
Finance Charges +$166.34 Cast Access Line $10.300
New Balance $48.441 52 Avail ble for Cash 52.058
Pants earned this statement from purchases
Points transferred to Manion
Poirns add up quirky when you use your Manion
and 1 pool on purchases made everysNhere else
Date of
Transacton Merchant Name or Tr.
07108 Payment - Thank You
Daly Periodic Rate Corresp Averaq
Category 30 days in cycle APR
Purchases V 04997% 18 24% 9
Cash advances V 05271% 18.24%
Promotional summary 01093% 3 99 % $$43j
Promotional summary 00819% 29 9Y. E2
Promotional summary 01367% 4.99% 11
Total loance charges
Effective Annual Percentage Rats (APR): 3
Please see Intonnation About Yow Account section for The Corresponding APR is the rate of interest you pay
The Etleciive APR represents you total Snance c hwg
such as man advance and balance transler tees - expr
Marriott
0000003 Fhest39r C 2
z 000a wst3853
0
0
Credit Card from Chasei Eam 3 pools for every $1 spent at Manion,
$ Amount
-1.005 00
Finance Charge Transaction
Daly Due To Feel Accumulated FINANCE
lance Periodic Rate Service Charge Fn Charge CHARGES
$0.00 $0.00 $0.00 $000 $0.00
$0.00 $0-00 $0.00 $000 $000
86 $142.27 $0 00 $0.00 $14227
4::
3
$552
$000
$000
$652
24.25 $18.55 $0.00 $000 Voss
$166 34
lance computation method. grace period. and other imponant inlomhaLOn
en you cerry a balance on any transaction category
including lransaclion tees
fed as a percentage
nk you for choosing the
Bards Credd Card from Chase
ie card that gives you
STAVING POWER.
This Statement Is 0 Facsimile - Not an original
rtoo N 2 13 tins Page 1 d 1 U5o win w 28620 1 "10000020=06200
52 of 153
Aarnori
REWARDS.
Accourel rnlmber 4388 5400 1097 8962
Make yo??? hhhrrr check payable to:
Ch- C ard 9erricd.
I
Plaasa wI
Now add
??
nclosed
I6e ounto
.
ass or wnwO Print on twk
4388540010978962000972000 18623140000000
8670972
Past Due Amo'nt
Psymerrl Due Dnta New Balance N9nlintun Paymerr!
o9ro7ro9 $48.623 14 $o oe
ITHA z'ARE FOOT
140 L..011.L.Ld.t..1.,IL..LL..,ILLL,.II,.LL.J1,.11„I
44 MI GAP R
1 MILLERS RS GA RD
ENOLA PA 17025-1011
CARCMEMBER SERVCE
PO BOX 15153
WILMINGTON DE 19866-5153
iurllin.iiinurlrl.?.lnn?ii?nuulln r?ir? ui rinlhiuli
1:5000 LGO 281: 2 SOO MIR?a9G 2 Gaa
Aarnori Statement Date
07/14109 - 08113/00
REWARDS.
Mlt?Imum Payment $972-00
Pa 'Bill Due Date: 09107/09
Minimun Payment Due for Credit Access Line $972.00
Total Minimum Payment Due ! $972.00
ACCOUNT SUMMARY NSA SIGNATURE cmrdNurtlb- 4388 540D 1097
Previous Balance $48441.52 Cre Access line $61,500
Payment. Credits -$988.00 Aura dice Credit S2.a76
Finance Charges x$169.62 Ca Access Line $10.300
New Balance $48.623 14 Ave ble for Cash $2.875
Nonage your aeeeuM Oniine:
www chase fmmlmawo
Addid-d c ntact kdormation
oxlvaniendy tocared m reverse silo
MARRIOTT REWARDS POINTS EARNE
Points earned this staiernem from purchases 0
Points transferred to Manion 0
Points add up qurety when you use your Manion R--+ds Credit Card from Chase! Earn 3 pants for every $1 spent at Marriott.
and 1 point on purchases made everywhere else
Date of
Transaction Merchant Name or Transact ion Deslziot on $ Amount
08/06 Payment- Thank You -988.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Avera a Daly Due To Feel Accumulated FINANCE
Category 31 days in cycle APR alance Periodic Rate Service Charge fin Charge CHARGES
Purchases V 04997% 19.24% $0 00 $0.00 $D,00 $0.00 $0.00
Cash advances V 05271% 19.24% ! $0.00 80.00 WOO $0.00 $0.00
Prornoldul summary 01093% 3.99% $4 379.63 $146.98 $0.00 $0.00 $14698
Promolona summary 00819% 2.99% $1 .366 44 $347 $000 $0.00 $347
Prornolonal summary 01367Y. 499% 523.03 $19.17 S000 $0.00 $1917
Total f.ance charges $169 62
Effeclive Annual Percentage Rab (APR): 1 13%
Please see Information Abaft Your Account section to lance computation method grace period. and otter important information.
The Corresponding APR is the rate of inbred you pay en you carry a balance, on arty transaction allegory
The Efteeive APR represents your total finance cherg - including transaction tees
such as cash advance end balance transfer tees - expre
I ssed as a percentage
This Statement Is # Facsimile - Not an original
0000002 Fs:`1 c2 000 N Z to 08r13 P.O., or, 05056 ew YAten05 22M 0000020M 800501
x codwsZo
48 of 153
Payment Due Dale New Balance Pest Due Amo t Mhllmum Paymenl
1W08l09 $4T.87868 $(1.00 5958.00 Aarne'"
REWARDS.
Account number- 4386 5400 1007 8862
Make yo rched pay. re:
Plwsa E..'. .rd
Chax d 9nhllcea.
New add, s or Pnnt on beck
8670972
43885400109789620004560004781868000000000000004
,82558F?zzseovc
KEITH A BARE FOO T
144 MILLE RS GAP RD CAROMEMBER SERVICE
EN01A PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 1,60 281: 21 SOO 1,09 7896 26ua
Statement Dale' (--(
,arnofi 08114109 - OW13109
, M.na9e mwaccount online:
REWARD S. wwrr chase conymemar
aMnlm4 Payraant: $956.00
Payne Due Dale: 10/08!09
Additlenal oorllaG iMOmrdan
-Tyr located an reverse mica
Mnimlan Paymem Due lot Credit Access line - $956.00
Total Minimum Payment Due $956 00
ACCOUNT SUMMARY A 1 Nunlbar 4386 5400 1097 696
Previous Balance $48.623.14 Crock Accme Line $48.700
Payment. Credits 4972.00 Avail a Credit seat
Finance Charges 416754 Cash Access Line $9.740
New Balance $47 618.68 Avail de tot Cash $881
Points eared this statement from purchases O
Points transferred to Manioll 0
Points add up quirky when you use your Manton Rewa?s Credit Card from Chase! Earn 3 points for every $1 spent at Mamoh.
and 1 pool on purchases made everywhere else
ACCOUNT ACTIVrTY
Date of
Transaction r Tr n $ Amount
09/06 Payment - Thank You -972 00
Daily Periodic Rate Corresp Averag
Category 31 days in cycle APR 8
Purchases V 04997% 1824%
Cash advances V 05271% 19 24%
Promotional summary 010931/. 3.99% $43.
Promotional summary .00819% 2 99% $
Promolone, summary .01367% 4.99% $4,
Total inance charges
EHectlve Annual Percentage Rate (APR): 4.
Please see Inlorimlion About Your Account section for t
The Corresponding APR is the rate o1 interest you pay w
The Effeclive, APR represents your total knence charges
such as cash advance and balance rsnster lees - ezpre
Finance Charge Transaction
Daily Due To Feel Accumulated FINANCE
,lance Periodic Rate Service Charge Fin Charge CHARGES
$0.00 $0.00 $000 $0.00 $000
$0.00 $0.00 $0.00 $0.00 $9.00
70.03 $146.95 $0.00 $0.00 $146.95
6053 $1.42 $0.00 $0.00 $1.42
23.49 $19.17 $0.00 $0.00 $19.17
S16754
lance computation method, grace period. and other important information
you carry a balance on any transaction calegory
ncluding transaction tees
ad as a percentage
This Statement Is a Facsimile -Trot an original
8080001 I'M='134C2 WO N Z 13 J P4e / d r 05056 IM LU 111255 25x1 0000020W1 e25501
zwoo
82 of 153
- 9fynlent Du Date New Balance Past Due Ana ni MlNmum Payment
11/07/08 $47.052.91 $0.00 $94100 Jaamott
REWARDS.
Account raanber: 4386 5400 1097 8962
$ Mali eheo4 payable to:
Chuc C it 5-1-
Pbese to arra t o .sed
New add is or o- mailoncl /h mal9 Print on bad
8670972
4388S40010978962000941000 705291000000000000004
me 10-z-c 1...111. 1..I..1.1..1..I1...1.1.... i 4.1...IL.I.L..il..li..l
KEITH A BARE F00 F
144 MILLERS GAP RD CFRDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
r: 5000 160 28r:
,NAimott
REWARDS.
2350?i097a962GO
Statement Date:
09114109 - 10/13109
Mana9eyouraccountonllne:
w.iw chase mMmartiOa
Minim Payment: 594100
Paynas Due Dab: 11107109
Minimurn Paymem Due for Credit Access tine $04100
Total kllnmum Payment Due $941 DO
ACCOUNT SUMMARY A t Number 4388 5400 1097 896
Previous Balance $17.818.68 Cre Access tine $48.700
Payment, Credits -$956.00 Aval eGedi1 $1,647
Purchases, Cash, Debts +$30.00 Cash cess Lne $9,740
Finance Charges .3160.23 Avail a for Cash $1.647
New Balance $47.05291
Points earned this satemem from purchases
PNms transferred to Mamott
Points acid up gtuc ly when you use your Manton
and t punt on purchases made everywhere else
Date of
Transacilon Marchant Name or Transacio
10/07 Payment - Thank You
10/01 ANNUAL MEMBERSHIP FEE
S Amount
95600
30 00
Finance Charge Tromacton
Daly Periodic Role Cnresp Average Daily Due To Fee! Accumulated FINANCE
Calegny 30 days in cycle APR 8 nee Periodic Rate Service Charge Fn Charge CHARGES
Purchases V .04997% 18.24% 3.03 $0.20 $0.00 $0.00 $0.20
Cash advances V 05271% 19 24% O.DD $0.00 $0 00 $0.00 $000
Promo/onaf summary 01093% 3.99%. $43.11 5840 $14148 $0.00 $000 $14148
Promolonal summary .00819% 2.99% log so 'DO $0.00 $0.00 $0.00
Promolonal summary 01357% 4.99% $4,5 83.62 $18.55 $0.00 $0.00 $10.55
Total finance charges $160 23
Effective Annual Percentage Role (APR): 4.11? .
Please sea Imonnalion About Your Account section 111 once conhpulafion me0hod. grace period and other imporlwl information
The Corresponding APR is the rate of interest you pay wh you carry a balance on any transaction category
The Eflective APR represems your total finance charges - including transaction fees
such as cash advance and balance transfer lees - eupre as a percentage
This Statement Is a Iacsimile - Not an original
0000001 F603a9a C 2 000 N z 13 Cont a P.Q.1 0l 05056 MAMA 20010 266100000200020M ODI
X too,
Adeitional contact wormaaan
cor-aney located on reverse side
0
0
Credit Card from Chase! Earn 3 points for every $1 spent at Mamott,
68 of 153
i
I
Payment Due Date New Balance Past Due Amou t
I Minimum Payment 12/Oe/0e $wz7a eo $o 00 ?2?00 REWARDS.
aAccotard member: 4388 54001097 8962
Usk* clad! Payable W
Char 9ervloea.
Pbes. wr o amount enclosed
New odd s n o-me0 Print on bark
4388540010978962000925000H627490000000000000008
-.8 F? L 31 1N C
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 1 702 5-1 011
1:500D i60 281: 23500 LD97896 2P.V
8670972
Aamott
REWARDS.
$92500
$92500
i
ACCOUNT SUMMARY A count Number 4398 54001097996
Minimum Psymem Due lot Credit Access Line
'total Minimum Payment Due
Previous Balance $47.052.91 Credi Access line $46.700
Payment. Credits -$94100 A.1 de CreO11 $2.425
Finance Charges 4162.99 Cssh Access Line $9,740
New Balance 546.274.90 Avail de for Cash $2.425
Perms earned this statement from purchases
Points lranslerred 10 Mamoll
Perms add up quickly when you use your Marriott
and 1 pons on purchases made everywhere else
Date of
Transaction Merdlanl Name or Tra
11106 Payment - Thank You
S Amount
-941 00
I Fimnce Charge Transaction
Daily Periodic Rate Corr
esp. Avera Daily Due To Feel Accumulated FINANCE
A
Category 31 days in tycl PR lance Periodic Rate Service Charge Rn Charge CHARGES
Purchases V .049971/6 18.24% 2.62 $0.35 $0.00 $0.00 $0.35
Cash advances V 05271% 19 24% $0.00 $000 $000 $000 $000
Promotional summary 01093% 399% $42
1 344.07 $143.47 $000 $0.00 $143.47
Promotional summary 01357% 4.99. $4 523.03 $19 17 $0.00 $0.00 $1917
Total finance dtarges $162 99
Effective Annual Percentage =) 417%
Please see Inlomtalion About Yt seelm for lance computation method, grace period. and other lmponanl information.
The Corresponding APR is the rate of interest you pay en you carry a balance on any transaction category
The Elleclive APR represems your total Dtartca rlrerg - including lrmsaciion lees
Such as cash advance and batanm rambler lees - expr ad as a percentage
This Statement Is 4 Facsimile - Not an original
0000003 FIS33391C2 0011 N z 13 ln3 Pati.1a1 05010 m"M 36556 3171I1000axo0mH,d6ot
X 0Doi w51 40M W sl 0
CARDMEMBER SERVCE
PO BOX 15153
WILMINGTON DE 19385-5153
Statement Date:
10114!09 ? 11/13109
willmurri Payment: $925.00
Payme Due Date: 12109/09
Q Wk-it.you -tit-li-
wwxchase mrtVmamas
Additional mreact lnfomt.tlon
--n.- q located m rev.rse s oe
Credit Card from Chase! Earn 3 points for every $1 spent at Manion,
66 of 153
I
I
Payment Due Date New Balance Pest Due Amo t Minimum Payment
01/07/10 $45504.89 $0.00 5910.00 A8rno11
REWARDS.
Account nurrJw: 4388 5400 1097 8962
Make thaw payable to:
sr- Chm 9errMea.
Please gsmOMhl encbsed
New add s a s-me41 Print on bark
438854001097896200091000D4550489000000000000001
8670972
,ea%a 2]47wc L..Ili.i..L.i.i.,1..11...i.I....ILLh,.IL.Lf...11..16.1
KEITH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SEHVIC-E
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
I
I..r111...11ihhh.rl.1.lrir..rllllr..rrrll...II.{?.I.I..Irlr.ll
r: 5000 1,60 28i: 2 j 500 i09 7896 26ea
Slalemml Dale: r-?
kamott 11/14/09-12/13109 JP 14anagar-ii ountonfine:
REWARDS. chase wn*narrioa
Mlnlrnw? Payment: $910.00
Pdyme Due Dale: 01107!10
Addid-1 eeraa.Y 1,4-
Minimum Psymem Due br Credil Access Line $91000 a0nv. -Vy totetod m nhverse side
Tolal Mir'irlum Payment Due $910.00
I
ACCOUNT SUMMARY A Number 4300 54001097 8962
Previous Balance $46.27490 Credit A¢esa Line $48.700
Payment Credds -$925.00 Avai a Credit $3,195
Finance Charges .$154.99 Casn cess Line $9.740
New Balance 545.504.89 Avail a for Cash $3,195
Pofms earned this statement from purchases 0
Pvnls transferred 10 Memolt 0
Poims add up quickly when you use your Manion Rewar4s Credit Card from Chase! Earn 3 points for every $1 spent at Marriott.
and 1 poet on purchases made everywhere else
ACCOUNT ACTIVITY
Date of I
Transaction Merchant Name or Transaction Desrnotion $ Amount
12/07 Payment - Thank You -92500
Deily Periodic Rate Camsp. Averag
Calegay 30 days in cycle APR B
Purchases V 04997% 18.24%
Cash advances V 05271% 19.24%
Pronlotmal summary 01093% 3.99% $41
Prortlolonal summary, 01367% 4.99% $4.'.
Tolal finance charges
EHxtlve Annual Percentage R rte (APR): 4.
Please see lnlorrmation About Your Accourd section for t
The Corresponding APR is the rate of interest you pay w
The Eflactn" APR represems your iole1 finance charges
such as cash advance and balance transfer fees - expre!
000000, FS33334 C 2
R 000'
Finance Charge Transacion
Daily Due To Feel Accumulated RNANCE
'ance Periodic Rate S"ce Charge Fin Charge CHARGES
027 $0.00 $0,00 $0.00 $0.00
w 00 $000 $000 $000 $000
10.23 $136.44 $0.00 $0.00 $136.44
!3.62 $18.55 $0 00 $0.00 $16.55
$15499
lance computation method grace period. and o1her impDriml information
an you tarry a balance on any transacion category
including transaclion fees
ad as a percentage
This Statement Is anal
000 N Z 13 a
le - Not an original
Pate t dl 05056 1.tlt MA 1 m" 3471 000002DM 1486M
62 of 153
I 5095.00 ?al'TItDI.1
REWARDS-
payable to:
Ch.- 9enlces.
amount-dos9d
a -0 Print on bad
8670972
Payment Due Data New Balance Pass Due Amu 1 Mlnlmum Payment
02/D7/t0 $44,752.38 5000
Account number: 0386 5400 1097 8962
. ke check
Ma
aC
Pleas
New eddr s
438854DD10978962D00895000y475238000000000000001
aisw 9E]t z ohbo C
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 1 702 5-1 011
l: 5000 L60 281
Aamolt
REWARDS.
2500 L09789626na
Statement Dale'
12/14(08 - 01/13110
Minim Payment: S895.00
Payme Due Dab: 02107110
CARDMEMBER SERVICE
PO BOX is 153
WILMINGTON DE 19886-5153
Minimum Payment Due Jot Credit Access Line $895.00
Total Minimum Payment Due $895.00
ACCOUNT SUMMARY A count Number 4388540010978"
Previous Balance $45,504.89 Creci Access line $15-600
Payment. Credits -$910.00 Avail be Credn $847
Finance Charges 4157.49 Cash Access Line $9.120
New Balance 544.752.38 Avai -for CaSh $847
j? SYnage your a«uwnt onl{ihe:
www chase 0>17fta111ne
•ddid-.1 -1-1 kderrr>.da1.
conveniently t-aw on reverser side
MARRIOTT REWARDS POINTS EARNE
Points eemed this statement lmm purchases 0
Point iranslanadlo Mernoit 0
Points add up quddy when you use your Manion Rewaps Credn Cam from Chase! Earn 3 points for every $1 spent ai Marrion,
and 1 point on purchases made everywhere else
Date of
Transaction Merchant Name or Transaction Desttrotion $ Amount
.
01106 Payment - Thank You -910 00
FINANCE CHARGES
Rname Charge Transaction
Daly Periodic Rate Corrmp. Averag Daly Due To Feel Accumlaled FINANCE
Category 31 days in cycle APR lance Periodic Rate Service Charge Rn Charge CHARGES
Purchases V 04997. 18.24% !. $0.00 $ltm $000 $0.00 $0.00
Cash advances V 05271% 19.24% j $0.00 $0.00 $0.00 $0.00 $0.00
Promoionai summary 01093% 3.99% $40 F3.94 $138.32 $0.00 $0.00 $138.32
Promotional summary 01357% 4.99% l
$4 23.03 $1917 $000 $0.00 $1917
Total lmance charges i $15749
Effective Annual Percentage Role (APR): 4j16%
compuation methodgrace period. and other important informailion
ance
Please see Inlonnalion About Your Aczount soclion foi
The Corresponding APR is the raa of interest you pay n you carry a balarim on any iransacion category
The Eheclive APR represems you rota) irlencce chart inducing transaction tees
such as cash advance ant balance transler tees - expad as a percentage
This Statement Is 0 Facsimile - Not an original
0000002 F60,111a C2 000 N Z 18 t nb Paget ?t OS056 t45AM 31591 0131000G@OOWI`Ji01
)t c0UI er91r WsI.S]0
64 of 153
Payment Due Dote New Balance Past Due Artou t iAirdmum Payment
tzvtato 14a,ouza $ooo $eealm Aomott
REWARDS-
Account number: 4388 5400 1097 8982
--7 o.1?' Cheri payabl e to:
Chaaa C.?tfsd ---
P basawr a amount 9nclos90
N9w addr s or o-mag> Print on mdr.
438854DD109789620006800004i401224000000000000003
ZSBt 9 BIX L Oaat D C
KEITH A BAREFOOT
144 MILLERS GAP RD
ENOLA PA 17025-1011
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I...Ilt..rIII.....IaI.I.Ir..dill......Ilar.ll.l?.l.l..l,lrall
t:500D C60 28t: 23 500 11D97a9S 2r.
J1hamott nags your aco unt onene: Addid-i contact init-6.0
REWARDS. conwniatdylacatadon-s9sd9
Amount Number 4388 5000 1097 8962
Previous Balance $4a
Payment. Credils
Interest Charges
Opervng/Closing Date 01114i10 - 02/ 10
Credit Access Line
$45
J. ..
Available Credd $1 87
Cash Access Line $9.{ 20
Available for Cash $1,j 87
PAYMENT INFORMATION
New Balance $44.01224
Paymem Due Dale 03/1410
Minimum Payment Due $880.00
Lase Payment Warning It we do not receive your minimum
payment by Models, listed above, you may have to pay up lo a
$39.00 late fee and your APRs wig be subject to increase to a
n irraan Penalty APR of 29.99%.
Minimum Paymem Warning: It you make orgy the minimum
i1HYment eadh period, you will pay more in "eaeresi and it wig lake
you longer to pay off your balance For example,
If you make no You wis pay off And you wt9 end up
additional charges the balance paying an estimated total
using this card and shown on Ibis of.
each month you statement m
pay about
Only the mnimum 43 years $8128500
Payment
$1.32000
3 years
$47,524.00
1 1 (Savingss$33.761 00)
K you would like inlonnalion about crecir counseling services, call
1-86 679 7-28 85
MARRIOTT REWARDS POINTS EARNED
Points earned this simemem from purchases 0
Perms transferred 10 Manton 0
Points add up quickly when you use your Manion Rewarills Credo Card from Chase' Earn 3 points for every $1 spent al Marriott,
and 1 pons on purchases made everywhere else
ACCOUNT ACTIVITY
Dale of
Transaction Merchant N}me or Transaction Description $ An rn
02(05
02112
02/12
Payment - Thank You -89500
PURCHASE 'INTEREST CHARGE'----
13567
PURCHASE *INTEREST CHARGE' 19 19
TOTAL INTEREST FORITHIS PERIOD $15406
Total tees charged i 2010 $0.00
Total interest cth d in 2010 $154-86
Year-to-dale totals rellecl all charges minus any ralutds
applied to your a?urn on or after January 31. 2010,
8670972
ODM=1 Fls& 3 C 2
R aoo4 M9_
This Statement Is a Facsimile - Not an original
000 N Z 13 10"3 Pape 1 02 05056 A W 22619 04310000@0002361901
58 of 153
Stalemera Dale OVUM - 02/13710
Account Number 4386 5400 1007 6662
Page 2 of 2
Your Anmal Percentage Rate (APR) is the annual i Brest rate on your accouni.
Annual 821ance Acoued
Balance Percentage Rata (APR) ! Subject To Interest Interest
Type 31 Days In Cycle Interest R.I. Charges Charges
Purrh- 19 24%(v] so 00 Sn 00 SC 00
Cash Advances 19.24%(v? $0 00 SD 00 SC 00
PrGx 1- 3991/. S40 039 75 `5135 57 SC 00
Pranouoii 4,99% S4.521344 S'9 19 S000
(v) = Vanabe Rate
Please see tllormtrJon About Your Account section to( the Calatlation of Balance Subject to Interest Rate. Annu al Renewal Notice,
How to Avoid Interest on Purchases, and otter in>ponont information, as applicable
8670972
This Statement Isla Facsimile - Not an original
x 9999091 PSMM4 C2 999 N Z 13 IM PM Pve2d2 09056 MAW Z1819 0431009092ocans1992
60 of 153
Payment Due Date New Balance Past Due Amou i Minimum Payment
Aamott
o4nono $43.z7o 1a $0 00 X6500 REWARDS.
Account number: 4388 5400 1007 8962
Make yo4 c11e.4 Dena.to:
• Cheaa C 9ervlua.
Please asmotnlencbsed
New atldr s n amei' Pant on d k.
43885400109789620008650004327014000000000000006
27-8ex2o721 oc L.,111.1..2..{.L.L,il.,.i.l....N.LI...Il..i.l...il..ll..l
KEITH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 198665153
1: 5000 L60 281: 2 3 500 L09 7896 261r
AAM011 Q 1I4rnage ywr acaeunt mane: Addilio d cameo irdomlat-ion
REWARDS. tinvw Utaw axrJmarrian convarvently located on reverse sale
ACCOUNT SUMMARY PAYMENT INFORMATION
Aecount Number 4388 54001097 8962 New Balance $43,270.14
Previous Balance $44,0124 Payment Due Date 04110/10
Payment. Credits _sS8i_00 Minimum Payment Due $865.00
Interest Charged a$13 t 80 Late Payment Warning If we do not receive your minimum
uv.. R- $43.2 .14 fayma^i by the data listed atKwe, you may have io pay up to a
Opening/Cloong Date 02/14110-03 1r 1r
1
0
Credit Amess Line S45 00
Available Credit S2 2
9
3
Cash Access Line $91 120
Available for Cash $21 328
$39.00 late tee and your APRS voll be subject to Imrasse to a
maximum Penalty APR of 29 99%.
Minimum Payment Warring: It you make orly the nvmmum
payment aach period, you will pay more in imerest and it will take
you longer to pay oil your balance For example:
It you make no You wall pay off the And you will end up
additional charges balance shown m paying an estimated
using this card and this statement in total Of
each month you about.
pay
Only the minimum 43 years 580,377
payment
$1,299 3 years $46.766
(Savings.$33.611)
If you world like imormawn about Credit counseling sernces. Cali
1-866-797-2885
MARRIOTT REWARDS POINTS EARNE
Points eared iris salemem from purchases 0
Points lranslened io Mamiort 0
Pants add up quirky when you use your Manion Rewards Credit Card tom Chase! Earn 3 pants for every $1 spent at Marriott.
and 1 point on purchases made everywhere else
ACCOUNT ACTIVITY
Date of
Transaction Merchant flame or Transaction Description $ Amount
03/09 Payment - Thank You -000 00
03/12 PROMOTION INTEREST CHARGE. 120 50
03/12 PROMOTION INTEREST CHARGE. 1740
TOTAL INTEREST F04 THIS PERIOD $13790
Toial tees cheq n 2010 $000
Total interest Barr in 2010 $29276
applied to your Occounl w or after January 31. 2010.
8670972
This Statement Is 4 Facsimile - Not an original
ODOOD02 F6333UC2 000 N 2 13 0mn3 Page, R2 0'A`.+e wru 27 % 071100W =707601
>< sear Ms,.x.
54 of 153
Slaiwmrd Dale 02/14/10 - 03/13110
Account Number 4388 5400 1097 8862
Page 2 of 2
Your Annual Pmeertage Rate (APR) is the amual interest rate on your account
Annual
Balance
Acoued
Balance P roenta9e Rate (APR) Sub)ectTo Ini-t Interest
Type 28 Days in Cycle Interest Rate Charges Charges
%um ases 18 24%N) $000 50.00 S0,111,
Cash Advances 19 24% (v) so (10 TACO
` S0 0")
S600
Promotion 3.991/6 539.3%415 .0
5120.
Prrxnolwn 499% $4.546 77 517 e0 SC 00
(v) = Variable Rate
Please see Irltormalion About Your Account section 1he Calculation of Balance Subject io Interest Rate. Annual Renewal Notice.
Flow to Avoid interest on Purchases. and offer imporls nl information. as applicable
8670972
This Statement lis a Facsimile - Not an original
R 00mcce clsa C2 000 a z la aawa Prp.2e12 05156 un rth 27018 0711?7502
56 of 153
payment Due Dale New Balance Past Due Am t Minimum Peymem
kamott
ovtono $4z 6203. ao 00 Sa50.oo REWARD S-
Accollnl number 4388 5400 1097 8962
. Make fret-yebteto:
he- C 0 9ervlon.
Ple.wwr eernii ntendosed
New add/ sa-W Pmt on bed.
43885400109789620006500004252038000000000000009
z ..0 zt0:n0C
KEITH A BAREFOOT
144 MILLERS CAP RD
ENOLA PA 1 702 5-1 011
Ir..IilrrrAl.rrrrLl.Irlrr.rilllrrr..rllrr.Il.Ia.LI,JJrrl1
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 46D 281: 2 A 5D0 409 7a96 26tt'
Aamoii f nage your..-.t Doane AdditiondcontaclInformed-
REW A R D 5. conveniently located on revwse lido
Account Number 43e8 5400 1097 8962
Previous Balance $43.27Q. 14
Payment, Credits -$80¢.00
Interest Charged 4150.24
New Balance
$42.5 38
OpenlnglCbsing Dale 0311410 - 04/1#710
Credit Access Line $45. 00
Available Credit $3.ID79
Cash Access Line $91120
Available for Cash $3479
PAYMENT INFORMATION
New Balance $42.52038
Payment Due Date 05/10/10
Minimum Payment Due $85D DO
Late Payment Warning 11 we do not receive your minimum
payment by the dale listed above, you may have to pay up to a
$39.00 late lee and your APRs will be subject to increase to a
maximum Penalty APR of 29 991/L.
Minimum Paymeril Warning: 11 you make only the minimum
payment each period, you will pay more in interest and it will take
you longer to pay off your balance For example:
it you make no You will pay otl the And you will and up
addtional charges balance shown on paying an estimated
using this card and this statement in total of
each momh you about
pay
Only the mimmum 43 years $79.371
payment
$1.278 3 years $45 994
(Savings=833 377)
M you would like information about credit counseling services. call
1-866-797-2885
MARRIOTT REWARDS POINTS EARNE
point s earned this statement from purchases 0
Points iransterred to Manton 0
Points add up quirky when you use your Memon Rewatds Credit Card from Chase! Earn 3 points for every $1 spent at MWNOTI.
and 1 point on purchases made everywhere else
Date of
Transaction
04/09
04/13
04/13
Merchant towns or Transaction Oesenptien
Payment - Thank You
PROMOTION INTEREST CHARGEI
PROMOTION INTEREST CHARGEI
TOTAL INTEREST FO THIS PERIOD
Total tees charge in 2010 $0.00
Total inbreaf dh r ed m 2010 $44100
Yzzlsle tot redact eM charges minus anyrefunds
eppied to your ccoum on or atler Jilt nuary 31.2010.
8670972
$ Amount
-900 00
13D 82
19 32
$15024
This Statement Is 4 Facsimile - Not an original
000000 1 Fla3itia C 2 000 N 2 13 1 DWA 3 Page 1 d2 05054 w.4A 25624 1 Wr 0000@000256.M01
R 000/
16 of 153
Stalemenl Dale 03114/10 - 04/13110
Accoum Number- 4388 5400 1097 8862
Page 2 of 2
8670972
INTEREST GHARGES
Your Annual Percentage Rate (APR)is 1he annual i Brest rare on your accou ri
Amu al Balance Accrued
Balance Percentage Rate (APR) j Subject To Inerest Interest
Type 31 Days In Cycle Interest Rate Charges Chargez
Pur -lwlesS 18 241- (v) $060 $0 00 cu
Cash Advances 924% (v) $0.00 $0 On 50,:)
P :omotion 3.991/. 538.638 B2 5130.42 SO 0)
Promotion 499% $4.559 46 $1932 $0 C0
(v) . Vanable Rate
Please see Intormalion About Your Account section tD`' 1he Calallation of 8alance Sutjea 10 Interest Rate, Annual Renewal Notice,
Flow to Avoid Interest on Purchases. and other import l irdormallon, as applicable
This Statement Ia Facsimile - Not an original
x ODDDWI RS33U40 2 WD N 2 12 t3 Pap•20 2 05056 W-25524 103100oo02aDC25SM2
18 of 153
Payment Due Dale New Balance Pasl Due Amo t Minimum Payment
0 6 /1 1111 0 S42 702 83 5850 00 51,70400 Aornott
REWARDS.
Account number: 4388 5400 1097 9962
Make .heck payable to:
Q Chax C 9-I-.
t? Pkase wr a amountanclosid
New addr saame0 Pnni on Celt
438854001097896200170400041270283000000000000008
,v", B-z iastoc I...Ili.l..l..l.l..l..ll...1.1....11.1.{...Il..l.l...ll..ll..i
KEITH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON OE 1g886-5153
1..1{{{».{i{u.uir{.{ r{un{{{{uun{{w{{.{?..{.i..i.{u{{
i:5?O? L6? 28i: 2 S?O L09 ?a96 260
)&amen
REWARDS.
Account Nunbsr 43SO54001097 8962
Previous Balance $42.52 .38
Fees Charged +$3 .00
Interest Charged 4141 45.
New Balance $42.7 83
OpennglClosing Date 04114110 - 05/1: 110
Credit Amass Line $45. 500
Available Credit $2. 397
Cash Accesa Line S9, 120
Available fu Cash $0
your -count Doane: Addi6omi comae info-don
istCDnV'Mtllti,bt core-wdylacatodonrwas9Side
PAYMENT INFORMATION
New Balance $42,702.83
Payment Due Dale 06/10/10
Minimum Payment Due $854.00
Past Due Amount $850.00
Total Minonum Payment Due $1 704.00
Late Payment Warning 11 we do not receive your mnmum
paymem by the date listed above. you may have to pay up to a
$39.00 late tee and your APRs will be subject to increase 10 a
.
maximum Penally APR of 29 99%
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in imeresi and it will take
you longer to pay off your balance for etmmple?
11 you make no You will pay off the And you -11 end up
additional charges balance shown on paying an estimated
using this card and this staterrant in 10131 01
each month you about.
pay
Only the mrvmurn 43 years $80,056
payment
$1,284 3 years $46,227
(Savings=$33,829)
If you would like inionmiion about credit counseling services. call
1-866-797-2885
MARRIOTT REWARDS POINTS EARNE
Pants eamed this statement from purchases 0
Points translerred to Mamotl 0
Points add up quickly when you use your Mamon Rewards Credit Card from Chose! Earn 3 points for every $1 spent at Marriott,
and 1 poor on purchases made everywhere else
Date of
Transaction Merchant ame or Transaction Descnpbon $ Amount
.......................
05111 LATE FEE 3900
TOTAL FEES FOR THI S PERIOD $39.00
.. ..........................
05113 PURCHASE INTEREST CHARGE 06
05/13 PROMOTION INTEREST CHARGE 124 73
05/13 PROMOTION INTEREST CHARGE 18 66
TOTAL INTEREST FO THIS PERIOD $143.45
Total fees charged in 2010 $39.00
701 interest char d in 2010 $606.45
Ye®-to-date total reflect a8 charges minus airy rehnds
applied to your ccoum on or after January 31, 2010.
8670972
This Statement Is Facsimile - Not an original
0000001 ,,S1 C2 000 M 2 13 Pyet d2 05056 rM W 2G1h1 1Xn0000Ce0 0 02 9711 01
z 0001 wst 1562
72 of 153
Statement Date 04/14/10 - 05/13110
Account Number 4388 5400 1007 8862
Page 2 of 2
8670972
Your Annual Percentage Rate (APR) is the armual in{erest rate on your account
Annual Balance Accrued
Balance Percentage Rate (APR) 9ubjeclTo Interest Interest
Type 30 Days In Cycie Interest Rate Charges Charges
Purchases 18.24Y(v) $390 $006 $000
rasa AO-l- 19.24% (v) S000 s0 OD $000
Prcmotion 3.99% $38,040.53 $124.!3 s0.00
PrOfnOtlOn 4.99Y. $4.549 04 $1866 $0 00
(v) = Vadaue Rate
Please sea hbrmalion About Your Account seclion b ?the Calmialion of Balence Subject to Inleresl Fate. Annual Renewal Notice,
How to Avoid Interest on Rychases, and offer irnpon t inlormalion, as appfcable
This Statement 0 a Facsknlle - Not an original
z eepeeDr m31axcz M n z is JCVIGM3 PV.zez rime ?uw an+ 1331Mao0200OW1102
74 of 153
Payment Due Dale New Balance Past Due Amo Minimum Payment
,`'
Ihamott
0711 ono $42,69718 51,713400 $2,561.00 REWARDS.
Account number: 4388 54001007 8962
..
.
Makc,,,,? . chedr pyaae to:
Plels. ax 6.nwl.ht erldosad
New ddr s or a-mein Print on b. .k
43885400109789620025610004!28911800000000000 0009
<aaeaexzhs+hoc
i(L' FH A BAREFOOT ...1.L...Iid....ILdJ...iLJL.!
144 MILLERS GAP RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
1. fill ...... WILMINGTON DE 19886-5153
1:5000 L60 281: 23500 709 7896 26aa
8670972
,Ylarnott P ow
REWARDS.
n
ACCOUNT SUMMARY
Account Number 4366540010976962
Previous Bttance $42.702
Fees Charged +$39
Interest Charged +$149
New Balance $42.861
OpenmgrClosft Date 05/14110-06/13
Credit Access Line $45.1
Available Credit $2.;
Cash Access Line $9.'
Available for Cash
Your credit card account is past due. Please send
...a. ymr..-.1 -111-, AddidonJ cont-1 Irdornntlon
w Blase mMmartim conveniently l..at.d on nevus. sdo
PAYMENT INFORMATION
New Balance $42.e91 18
53 Payment Due Dale 0711CV10
DO Minimum Payment Due $857.00
35 Past Due Amount $1.70400
Total M li um Payment Due $2.561.00
16
Late Payment Warning It we do not receive your nxromum
10 payment by the date listed above. you may have to pay up to a
DO $39.00 fate tee and your APRs will be subject to increase to a
maxinhum Penalty APR of 29 .
08 Minimum Payment Waning: If you make only the minimum
20 payment each period, you will pay more in interest and it will take
$o you longer lo payoff your balance For example:
If you make no You wit pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of
each month you about.
pay
Only the mirinnml 43 years $60.752
payment
S1291 3 years $46.467
(Savings--$34.285)
If you would like inlomatron about credit counseling services. call
1-866-787-28115
immediately Call 1-800-955-8030 (collect 1-302-5948200) today
Points earned this statement iron purchases 0
Pants transferred io Manton 0
Points add up quickly when you use your Manion Rewa s Credit Card from Chase' Earn 3 points for every $1 spent at Marrion
and 1 point on purchases made everywhere else Also. jam 1 Efile Night Credit towards Marriott Rewards Elite Status for every
$3.000 you spend
Date of
Transaction Merchant e or Transaction Description $ Amount
.......................
F.£83C
............
...........
06/71 LATE FEE 39.00
TOTAL FEES FOR THI PERIOD $39.00
06113 PURCHASE INTEREST CHARGE 67
0913 PROMOTION INTEREST CHARGE 129 32
06113 PROMOTION INTEREST CHARGE iB 36
TOTAL INTEREST FORI fTHIS PERIOD $149.35
apoed to your
This Statement Is a
0000001 FIS 'ACZ Goa N Z 13 11
X CIAO. MsrMfe
all charges minus any 1.1111[
on or alter January 31 2010,
e - Not an original
Papal dZ 05056 an Na 29116. 1Ni0000020G@966601
10 of 153
Stalemem Dale 05/14/10-06113110
Amount Number 4366540010976962
Page 2 of 2
Your Annual Percentage Rate (APR) is the annual ij> est rate on your acmun7.
Annual Balance Acaued
Balance Percentage Rafe (APR) Subject To Interest Interest
Type 31 Days In Cyde Interest Rate Charges Charges
ur*hases 18.24 %(v) S4313 $0.67 $0 co
-sh A.J_, 1- 19.24%(v) $000 $0.00 $000
r1moti0n 3.99% S38. 168.00 S12932 50.00
;',.motion 4.99% $4,568 09 S1936 $0 00
(v) = Vanatle Rate
Please see Information About You Account section bq the Ceiculalion of 69;wce Suhjecl to Interest Rate, Annual Renewal No11ce.
How to Avoid Interesl on Purchases. and otter impoA l irdonnaiion. as appfcable
8670972
This Statement 16 a Facslmife - Not an orlglnal
R coaooot Flsaacucz nm N z ha F. rapezaz osms w,rn mess re+he0a00200tRaB0eez
12 of 153
Payment Due Date New Balance Past Due Amount Minimum Payment
08!10110 543.075.81 52,561.00 53,422.00 'ljlarnott
REWARDS.
Account number: 4388 5400 1097 8962
Make your, check payable to:
Chase Ca services.
Please wh amourt enclosed.
New addre or a-mail? Pnnl on back.
43885400109789620034220004?07581000000000000007
26125BEXZ 1n410C Inrllirlrrlr rir lrrlrrilrrrlrlrrrril rlrlrrr?lrrlrlrrrllrrllrrl
KEITH A BAREFOOT
144 MILLERS GAP RD CARDMEMBER SERVICE
ENOLA PA 17025-1011 PO BOX 15153
WILMINGTON DE 19886-5153
1:S000 l60 281: 2 31500 10 9 78 9 6 2F+0
Aarnolt 0 MOnage your account online: Additional contact information
REWARD 5. wives chase,:oWmarno conveniently located on reverse side
Account Number: 4388 5400 1097 8962
Previous Balance S42,891 8
Fees Charged -S39 ?
0
Interest Charged S145.1 63
New Balance S43,075 51
Opening/Closing Date 06114/10 - 071134 10
Credit Access Line S45,+ l)
Available Credit a2. 4
Cash Access Line S9,1 0
Available for Cash 0
PAYMENT INFORMATION
New Balance S43,075.81
Payment Due Date 08/10/10
Minimum Payment Due 5861.00
Past Due Amount 52,561.00
Total Minimum Payment Due 53,422.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay up to a
S39.C0 late fee and your APRs will be subject to increase to a
maximum Penalty APR of 29.99%.
Minimum Payment Warning: If you make only the minimum
payment eactr period, you will pay more in interest and it will lake
you longer to pay off your balance. For example'
!f you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you about...
pay.-
Only the minimum 43 years 581.449
payment
51,297 3 years 546,7C4
(Savings=S34,745)
If you would like information about credit counseling services, call
1-866-797-2885.
The charge privileges on your credit card accounl have b en revoked. You no longer have the ability to use your credit card
account for purchases. We can he?p you gel back on bra k. Call 1-800-955-8030 (collect 1-302-594-8200) today.
This account is closed and not available for new transact/ ns. If there is a balance please continue to make payments by the due
dale.
Points earned this statement from purchases
Points transferred to Marriott
0
0
Points add up quickly when you use your Marriott Rewards Credit Card from Chase: Earn 3 points for every S1 spent at Marriott
and 1 point on purchases made everywhere else. Also +in 1 Elite Night Credit towards Marriott Rewards Elite Status for every
53,000 you spend.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Na me or Transaction Description S Amount
FEES CHARGED
0701 LATE FEE - 39.00
TOTAL FEES FOR THI PERIOD :3900
I RESTC_HARGED
07113 PURCHASE INTEREST CHARGE
1.25
07/13 PROMOTION INTEREST CHARGE 144.38
TOTAL INTEREST FOR HIS PERIOD S14563
8670972
This Statement is a facsimile - Not an original
9600002 FIS33314 2 000 N 2 13 101 7,13 Page I or2 05056 W, MA 26125 194'Or,50020002612501
X 0604 1[1514651
Address Change Request
Please provide information below only if the address information on front is incorrect.
Sheet Address: - ------ ----------------
City ---------!------
State: -- Zip, ---?-- ---
Home Phone: --- --- --- I - Work Phone: --- --- ----
E-mail Address: - - - - - - - - - - + -----------------
I
To service and manage any of your account(s). we. our representatives. JPC4organ Chase
representatives- andlor affiliates. may c nlact you at any telephone number you provide to us. Please
.?ter la your Canlmember Agreement to additional details about the use cf your personal information
1 i>: vie t r ,eslte shown b? o ,ro`virl. rich ,add:fional contact mourn„ bon.
L
To contact us regarding your accou" It
? By Telephone:
) In U.S. 1-800-338-5960
0
' (??I
V'V
fill,
L-spanol 1 888446-3306 Send Inquir s to Mail Payments to: Visit Our Webs ite:
TDD 1-8C0-955-8060
Pay by phone 1-800-13E-7958
PO. Box 15
9e
P.C. Box 15153
tvvrw.chase- rifma'not
Outside U.S. call collect Wilmington, E 19850-5 298 VWritington, DE 19886-5 153
1-847388-6600
8670972
Inlrr reline About Yen, A.... it
Creating rl Payments: You may :cake payluMtS by any ti the 4 i' a liskd Luluw
Thn amount of your payment shm: d to at least your T. rimer pay, of due, fa'able
in tl 5 dollar suJ drawn w Payable though a U.S. hn'entiet instil, ' n or tie U.S.
hrar.h of a inrri:}^ -wrochl "Ill olon
uu nlay :nape paymelle by Iq. ii, L.S. Iasi. Stood your payr-I t It - Paymmti
address shown an ;his sis emClt. Your pal'meols by u3d mast rtply of m iM
ilsteld.uns lee Ihis sts:vt dd. Do rcl Send casit Wrii yuw ACC 111t nai'Ibei col
yre,rchecknrmnneynrder. Payments mrslM armmparieJ bJine Wool xnpm
m IPe room ,tie provides arch our address vis:bte 4nadgh me emel e'.ridC'ar; the
envelope cantle:.inlall .lui. W- - On Vinci Is tdJPOn, aid I left me be I.
a Wales, papa c ips, tape it, canetiowderm irm.dtl it, y'aw p y hart. If %elr
)"Yount is h accardaMe with our pay'krt tlstret'iens and is mad "i able to .5
Ill ahyday by 5.00 p.m.tcol tun: al our ydymenltiJilass or thlss lemeld, we wdl
r; ed t lie payment to your Awaun as n1 that day. Ifyour palmsm i it;ccordance
wit'.! cur Paynen: rllshteeiuns, bat on I.do eveihwk to us ate' 5.03 Par Ideal lind
at the P2ymnts add•e55 on this scrue-i lt, we •eril Credit it to you Account as of
he Im1d allum ar day.
you day Tilm pryoulls auotran'Caltymr 0`1 C-A*ska.shovmliMisstatement
'.I m rve your comp)-led Ieq;cal oil etI nt,DSile by 5 o.m. Easle i I I'ne we .rdl
ruled I your aayriel' as of that day it lam race m Inter red iest shut 5 p.m Fasten
Time, we vii I credit year Paylaeut as if IV hex: calendar day. 1' yea -Uti a futile
ama n your nagl:es: err. 111 tndh ydw paymaht as at that day
IN all ol'Ierpy-lota? fur alty,zyr-:I;fm zLakat?col^;e:l y.,d ral'Ptaev utl
paymevl instructions. ?ree 6% al your inymellls may x delayed le up to 5days.
Acrou41 Information Reported to Credit Bureal¢ 15'8 nay repay! !fit rwah2n at
vote Asocur: to credit bureaus. Late paymems, missed pvlynams 011er defaults
on your Auauol may as rctceted rot you credit rape.-- It you third loam reported
inaccurate in't-vion'aiC164tureaurybnmay Trill:e us at 1.1.v. nos address
.51"1 on Jr. siaieuler!.
To Switim and Manage Any of Your ACeohni(s): We; dur represecfatlI'ras,:P+Aut
Chos, Iapres-rtatires, and!or all it tires, may co^Iact yea at any tf'"t . -unxr
yon:p:b'/delom Pleas?Iefer to your Caidntember Agreerm,,t derail dibils
arum it, use u' yaar pets mil iiWh le,
Notice About Eiectnnte Check (twor-ron: Whir you pay by cxc ?. ; authored
us a liler :c use incronetal hone your check to wake a one-fined ecimn c fund
ransier -rom your tandoor or io waCess 1ha payment as a check tra saction. Wren
we use rolitItIntmi I'Om YUU chetah to take Ali electreme fund Iran ter, Iwids me;
loonAlltd-awt tic, your auaunt as soon ss the sauce day ra meet' your payment.
arc voi will not 1ecam Your neck bade Earl yael linandal irsi itien. Cal If.
Cm 't Service number an leis satenart it you have gueatiors beat sleciro:ud
0-1,c.Vtolan or do not v:ant trust pelymat, ealld:zd eled:ml ea .
Conditional Payments: Ary pa/neri: chid'. or other torn of ,qne ::haR you send
us'cr less than 11-2 full be ale: due hat is:na•kel:•pa:d in tu't'or c be ns a S,milal
notation, w :hat you otherwise tender in full salMaMk" of a di pled auaunt.
must be .sent to Card Serukec. P.D. Box 150.19, Wdrtngtan. CE 1850- 5019. We
reserve all our rights rega-dlrlg These pvM. ante (rg . iI .t', Jam- red Sere is na
':a id disp em or I any such ",ak s red-ved at a-iy, ellar 39Jms5, in may 3-p1
:ad check and ynl .111 still eivo any rolhatofrg balance). We may • fuse to -pt
ty such payhrerl by mittrniig it in you, no! aN'Irg it or Jeshoy, g II. All ener
palrwenlo that you make should be Eery! the ',old,, Payment ad ass Sho+:il on
:his stAtu'all.
Annual Renewal Notice: If your Accoun Ag«urnert has an annual ambanhip tee
zrlno• s radar na•9e Inv issuams Of
3vailainliy M your accoun!. j" j I be billed rrh
year Orin o l cerquam-ty irstal'menls. The lee andip•chagul ar -edwfel:lw
or not you use your Adaxi,1. aid yeru agree W Wy pern when b I . Tne ""'al
+et one charge am Wan-rdundabie erless you nutty M teat Yam W . to close yaLr
account Mhin 30 Jays or ate ii Not; gVit (whichever is ass! al`,w ve Ples+ee the
statement on vhidi the aerial lee a charge- is Wild and m the sane tine, your pay
you outstanding balance in fUi. If you do ma. far a charge bRed are alien trio
annomly such as a manth:y service ctlarge, ran well not owe the b-Had large:
hcomm , prim billed 1Jlarges are non-relundzble am must be paid' part o' baying
yaarourtandingbalaiainftl.Your Payrlenmmraincaitaeo• rgedmsim
meet uul rights to dose your Account enL ;I limit YCUr right :a mai¢ ansaedorsm
annur uaAl ccount . If yourAcrcucl sclxEd tr yCU coos. lee rri8 darinu toimposelhs
";;,U A
fee a'I:Lal Ualge mll:l VOP pay yJef aJlSWrdmg J3WI1cC In IU ivellornuale
y'etr A-we relaucnshiP
Caldulatio r of Balance subject to Internet Rafe: lc hhere your r odic ed-st
charges for each ailkp cycle when a daily pe;ada rate ts) app ies, use the 100
balance method (InlAudkp cured parlSaNiurs), To bone Your lade mclesl
dnerges'pr 12th billing uy[k witch a mommy penock ralefs) a.01 ,the use the
average daily balance medmd including current Iralsacicans! =.r a: explamular an
sitter methnd, a:' ouestions abort a panicakr imnest charge .1 Pion on yea
sateman,DleBxe jai Peal :he loll pee:unomw rrv•m P'louerwub listed atom.
76 cakuaayeliork tuanst charges . tsng lee appgoabta pct: vales shmm
I's tal Hlecks and
en I s'eme0, saprdely W each limits belarha Lam I
ash advance checks ('check llar,aartien'), F-F25,ul balance umieffe•s, cash
adnnoon. rrom ocral talwaca if O-J2h act 7nese caloal3liar5 nay
Ccmblre b1mmm ea:epor s cod- the saint celodic rals, VarkLta ra1K •xi 1 vary
wi.h I;C Irarpel b3vud In ma Prior Rate rcr sum i-dex desdriLed n1 yam Acoount
.59(a su,hanttn'deutibed
Adresnewn: Thereisa mitimludellectcrarpaa'31
11 LI Acomed knee llnG it artv luliq cycle In Much Yale lrvr_ aiy called"
Par rh i gns. 3M a tinswcomer lee. 'Of ear' nut amte -nnslar etch sil-1ee7 OI
0111 hansaxlion, in the Zmgunls staled in Yoe: A•?omd Ag'ecr it. as it may be
mrrubul There is a la•eisn I•anactlon fee of 3: at does 115. do tar amcan a` any
lclagr 1ran5actmn jay such anoint desaraed in your Acsout AC-leri).
How to /void Paying Hnerest or, Purchases: 'Pit begin assessing priccx; interest
charges an a traisatllun, tea, or mterestchlege Iran tie Wallis added to ydurdafty
un ante ml I yaw Account is acid in lap, az descrihad :m yaw Accown Agreement.
Your due dale wil' lee a no mark r of 21 days fdlawmp ale class of each Rerg ryde.
You Can avoid permou, interest :neighs on cmv ounothades v;hdn they arc f15: ai fed
to se aWlenteni as duschood Latin. but W, Tara oil aapty to bun- fil l5lfre.
wch advances cr:IvNJ alt advnces. It you raI--a Colo.! mgrrty s .Lee nt thal
iidudes hum purchases and make a payment mat we mixwe uy Ihe dale and tilt I, the
triniman -4-1 z d.n 'cur Ilia: signal de .:R amt charge periodic interest oa
ray dart in Y Phone -, Purchases MI rr .Beat, surh payrxt to, an long as 1)
vca',Inert aabor an ase stows ma: no onow li Payrhen: at TIC ahd rig but.,,:
iw yaar plev oLs month s staknetd by [tie cads ud Pma its fd:riners Payment eras
due OF, 2: trial me Entllrg baknte IN ywl are IV,$ oc rma 54MenkaI was allro. H
jee tam a be once fie, than a Purchase ala... aid mat bale, camies a higher
periodic interest rate. You ntay not be able to -ol eeradk into: use oa'ges on ne.
purhases r you do na: pay your habnce in NII each ato.^:h. beaus. vie rimmuall')
ailoe3lt payircnts lust :o GIC oaanCC w m ale'+.ry.'CSt panPCta mtaes: 218.
What To Be It Ymt Think You Hod A kBistako On Your Sbkrruet
I von loin loam Ia an over an Yalu smucrob ol, -it to us cot a sacana! sum-4 at
Custerne- Sefvi-II P0. Box 15299 Iffiiwing in, DE 1965Y299:
r. you lefbr, give us the fidbwmg info-wilo":
• Aceoum Im omit t: Your rams and Aunt nunbar.
• Dollar .mrulf: 1 he d.llar -,-t It bt :o:pente.Il emc•.
• a w rpli0n of PrY lent: If yoL mink fare s an .wor a- Your uP, describe
what You be me is `.voc ip and by you been it its a mistake.
You must contact us v:. thin 60 days site, the mro• andw'cd at your sLiemrtt
You must notify us of any re-tu l r-rdrs m -.:long. Yn.l nay cal' Its, hul i' you do
we ale not Tact iced :c hm.jl;ae ::ray palapbai ar!m5 arJ yar. may hen 10 P' the
annum m questolt
'J.rhile we lx:stigate whether a nor there tae teen an crier, lie f3cowing ale true:
• we Laniair/ in cone,-lhc.::nM:n-lr gurvd'on, nr n-ItAu esnefingrleot nn
then amuulL
The charge ii asesl an rnx• remain ar y-.r stal-wit, add we may cottinoe
to dirge yea mess c'I rat amounl. But. ,' we d,fcrrtre that era made a
mistake, you -.rill not half to Pay (ate :.mount in ,estico dl dt; in:e'esl or
utu• lees re''eled le Met an euul
•'Wilile you do not have to pay the arrot,m in gcestmh, Ya':i are m-side IN
the ten'anlcer of your balance
• We an icily any unpaid amtunt 4, .1 your trek, lint
Tow Rights If You Art 0issalialied With Your Credit Card Purchases
II you art dusarlsli'•d whip tar goods o• servrres mt. Y., have Purchased vrilh year
rradil ad. and you lava tried in got td kilofa torah the prcldem wdh Ire merchant.
you may have tre right roe W any the remaining ana,n due an to f urehas .
To use this dgri, all of net, tohmewg mnsl be r. Le-
1. the purchase must beet bean made in your hard silt, a wirer 100 miles
la' your ante-t Ill address, and lint burrJmse price must have been
lice than 557. (Nbc: Kerwot at Leese act nemssary if your ptrehase was
Maud On an aevenisarlen: we matlalt to you, of a we over the ccer ly fix
auk you the goads cr serve-es.)
2. Yne must tare uses Your -1111cant IN the ximlessai P" hases made lath
cash advances freer sot ATM or with a check oral accesace your credit card
Acceam do not dual ty
3. You nus:let yet hate truly said for 1.e PuTzhase.
If ale of re Chita ate:, am whea am you are an dhsarsAad Mm tro pi rclase,
canacl is in wrilirig al Cusloner Serv ce. P.0- Bran 152-9 IMId, oglon, OE
19650-5299:
While ve loomefipzfe. Ire same rules appy to ma Jtmuted amount as discussed
above. After '-a fmistf ch, Wmatigation. vm whh Seal you ow decision. At that point, a
we thkut you a- an amount and you do llai any Re may report You act deli-ent.
MA6?97019
Statement Date: 08114110 - 07/13110
Account Number: 4388 5400 1097 8962
Page 2 of 2
10 Totats`Yaar-to-0ate
Total fees charge in 2010 5117.00
Total interest char ed in 2010 5881.43
Year-to-date totals reflect all charges minus any refunds
applied to your ccounl on or after January 31. 2010.
I
Your Annual Perce ntage Rate (APR) is the annual inl,brest rate on your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Tyne °_0 Days ',.n Cycle Interest Rate Charges Charges
S83 20
.C,.
Sri
t.._•.._- 10 24'<, (vj - SO GO .. FO ("ill
oa%.ince R3^.,:F r 1° L4% (v` Sr CO sO.OG so CO
I'mmolion 199% 538.29498 5;25.57 5000
Promotion 4.9914 54.587.14 S18.81 SO. Go
(v) = Variable Rate j
Please se=_ Informat ion About Your Account section for he Calculation of Balance Subject to Interest Rate. Annua l Renewal Notice.
How to Avoid Intere st on Purchases. and other irnporla l information. as applicable
8670972
This Statement isla Facsimile - Not an original
x 0000002 FI53333G C 2 000 N 2 13 1010 r t3 PaIte 2 cf 2 0505fi MA MA 26125 19110000020002612502
8670972
Payment Due Dale New Balance Past Due Amo it Minimum Payment
08!10110 54307561 $2,56100 $3,42200 ,1&arnotf
REWARDS.
Account number 4388 5400 1097 8982
Make check payable to:
chaseC 9-I-.
-1 Pbsuwr to amount enclosed
New add s -8V Print on boric
4388540010978962003422000 307581000000000000007
L.,IILI..L.L1..l,dL..LLr..H.1.L.. ilr rl.l...11..11,.1
hc'TH A A HARE-007
:44 MILLERS GAP r L, CARDMEMBER SERVIC E
FNOLA PA 17025-1011 PO BOX 15153
Ir.rllir.rllir.rr.1.1.1.1,.r..llll...r.rllr..ll.l?.l.l.rl. WILMINGTON DE 19866-5153
Irrll
1:5000 160281: 23500 1,097896 26aa
n
?arnoft n.geyour.eooam maer. Additional contact Inrom.tlon
REWARDS. _-ondy located on revas9 side
8670972
AUUVUNI sUMMAFLT
Account Number 4388 54001087 8962
Previous Balance $42,891 18
Fees Charged .$39 00
inlerest Charged .$145 63
New Balance $43.075 81
Opening/Closing Date 06/14/10 - 07113 10
Credit Access Line °1,45. 0
Available Credo $2,
24
Casts Access Line $9,
1
20
Available for Cash ? $0
PAYMENT INFORMATION
New Balance $63,075.61
Payment Due Date 06/10110
Minimum Payment Due $661 DO
Past Due Amount S2.56100
Total Minimum Paymem Due $3,422.00
Late Payment Warning ff we clonot receive your minimum
payment by Me date listed above, you may have to pay up to a
$38.=1 lee end your APRs will be subject to increase to a
maxenalty APR o129.8aX_
Minimum Payment Warding: It you make only the mwrvmun
peymem each period, you w it pay more in interest and it will take
you longer to pay off your balance For example:
It you make no You will pay off the And you vnll and up
additional charges balance shown on paying an estimated
using this card and this statement in total of
each month you about
pay
Only the mnimum 43 years $81.449
paymanl
$1,297 3years $46.704
(Savings=$34745)
d you would like information about credit counseling services, call
1-866-797-2865
The charge pnwleges on your credit card account have revoked You no bogs have the ability to use your credit card
account for purchases We can help you get beck on Y k Cap t-800-955-8030 (collect 1-302-594-8200) today
This account is closed and not available for new transact If there is a balance please continue to make payments by the due
dale
Polnls earned this slahermem from purchases 0
Points transferred to Mamon 0
Points add up quirky when you use your Mamoll Rswardf; Credit Card from Chase! Earn 3 pants for every $1 spent at Marriott
and 1 point on purchases made everywhere else Also, tri 1 Elile Night Credit towards Marron Rewards Efile Stalus for every
$3.000 you spend
ACCOUNT ACTIVITY
Dale of
Transacion Merchant eor Transaction Descripton SArthoum
07/11 LATE FEE
TOTAL FEES FOR THIS PERIOD
.....................
:ON
07113 PURCHASE INTEREST CHARGE
D7113 PROMOTION INTEREST CHARGE
TOTAL INTEREST FOR HIS PERIOD
This Statement Is a
0000002 FISa3J8.C2 000 N Z 13 1(
Z 000. INslmw
30.00
$3900
1 25
144.38
$145.63
- Not an original
P.g.102 M56 -1-28/26 191,10000®Ot MMM
76 of 153
Statemem Date or,/14/10 - 07113110
Account Number 4386 5400 1097 8962
8670972
Page 2 of 2
Total tees charg in 2010 $117.00
Tote' interest cha ed in 2010 $88143
Year-lo-date 101 Is re6eCt all Charges minus any refunds
applied to you account on or aher January 31, 2010
i
Your Annual Percentage Rate (APR)is the annual interest rate on your account
Annual Balance Accrued
Balance Perwntage Rate(APR) ! Sub)ectTo lrrl est Interest
Type 30 Days In Cycle Interest Rate Charges Charges
Purchases 18.24%(V) $83.20 $125 $0.00
Cash Advances 19.24%(V) $000 $0.00 $0.00
Balance transfer 18.24%(v) $000 $0.00 $0.00
Promotion 3.99% $38,294.98 $125.57 $0.00
Promotion 4.99% $4,56714 $18.81 $0.00
(v) = Vadatfe Rate
Please see Information About Your Account seclion 1o{ the Calculation of Balance SWjecl to Interest Rate Annual Renewal Notice
Now to Avoid Interest on Purchases, and other import t information, as applicable
This Statement 1$ a Facsimile - Not an original
z 0000062 Psli 9 C2 000 N Z 13 l r3 Pge2d2 051156 1MI.M 26125 19s1000p020p62612i02
78 of 153
i
Payment Due Date New Balance Past Due Amo it MlNnwm Payment ,`
I 53,422.00 I $.,283.00 Aamott
09714/0 $43,07581
REWARDS-
Accourtl number: 4388 5400 1087 W62
$ Make yo shed gyaMe[o:
Chax C d S-I. a.
Pions. wr ..--t enctosad
New addr soh a-maill Print on beck
.
438854001097896200428300041307581000000000000001
Total fees charged i 2010 $11700
Total interest charge in 2010 $881.43
Year-to-date totals effect all charges minus any refunds
applied to your a nt on or after January 31, 2010
8670972
M_HS',A' ) (.ARDMEMBtR SERVICE
;-NOW PA, 11725 .011 PO BOX 15153
WILMINGTON DE 10886-5153
?.u{{{u.{!{uuri.{.{.Tun{{{!. u.ni{. a{{.{i.{.{ni, {..{{
t:5000L60 28t: OSDO 1,D9 7896 26sa
Aamotf rge your account anIt-: Additional contact irdo tlon
REWARDS. conver Ter dy loealod on ravers. s de
ACCOUNT SUMMARY PAYMENT INFORMATION
Account Number 4388 54001087 8962 New Balance $43.075.81
Previous Balance $43.07501 Payment Due Date 091101"10
New Balance $43.075.01 Mrtirnum Payment Due $86100
Past Due Amount $3.422.00
Oper ingrClosing Date 07114110 - 0871 10 Total lAnmtm Payment Due $4.283.00
Credit Access Line $45,600 Late Payment Warning It we do not receive your mhrhimum
Available Credit $2.524 payment by the dale listed above. you may have to pay up to a
Cash Access Line $0,120 $39.00 isle tee and your APRs will be subject to increase to a
Available for Cash Maximum Penalty APR of 29.99%
You haver made the required payments and your credt ard account is 90 days past due Asa result, yourcredit bureau maybe
updated wti a negative rating. Please send your pay?imrne3atey ce call us at 1.80095"030 (milect 1-302694-8200) today
This account is closed and not available for new transac*s. d there is a balance please continue to make payments by the due
date
Points eared IMs statement from purchases 0
Pints lranstered to Marmon 0
Points add up quckly when you use your Marriott Rawer* Credit Card from Chase! Earn 3 poimsior every $1 spent at Marriott
and 1 point on purchases made everywhere else Also. ejarn 1 Elite Night Credit towards Marriott Rewards Elite Slalus for every
53.000 you spend
Your Annual Percentage Rate (APR)is the annual imen
Annual
Balance Percentage Rate (APR)
Type 31 Days In Cycle
Purchases 18 24%(v)
Cash Advances 1924%(V)
Balance venstw 18 24%(V)
Promotion 3 O9%
Promotion 490%
(v) - Variable Rate
Please see Infonnali n About Your Account section for the
How to Avoid Interest on Purchases, and other important i
This Statement Is a
d0000011 FIS3S IC2 Wo y . 13 1d
X o.«
rate on your account
Balance Accrued
Subject To Interest Interest
Interest Rate Charge. Charge.
$0.00 $0.00 S000
$0.00 $0.00 $0 OD
$000 $000 $000
$000 $000 $000
$0.00 $0.00
-
$000
Calculation of Balance Subject to Interest Rate. Annual Renewal Notice.
dernhetion, as applicable
I - Not an original
PaGe l d 1 06D5a tin tin 31562 2251000002DOM25620
80 of 153
Payment Due Date New Balance Past Due Amour 1 Mlydmum Payment Aarrlott
tonalo $a3.o7ss1 $4,ze3 00 $S,ti44.oo REWARDS.
...... •••e.....
Account number: 4388 5408 1097 8962
wake check psyadeto:
Ch-CC d9eniosa.
Paas9- arrow r-.4.sad
New add/ sae-mail Print- bark
43885400109789620051440004 07581000000000000004
A
i
id4 MUD HS GAP RD CARDMEMBEH SERVICE
E NOLA PA 17025-1011 PO BOX 15153
L.rillrrrllirrrrrl.i.1.Iii.rIllLir.r.I
lrr.iLir WILMINGTON DE 19886-5153
?iLLJ.L.II
1:5000 L6D 281: i
2 31
500 L09 7896 261ta
,Wrnon
REWARDS C
nags Your aeoeum onW1e. Addid nal -.tact Wcirnnation
.. •a • • • e.• , , conveniently localad on -so side
Account Nrunber 4388 54001097 8962
Previous Balance $43.075. 31
New Balance $43.075. 31
Opening Clovng Date 08114110 - D9/13( 10
Credit Access Line $45.0 0
Available Credit S2.5 ?4
Cash Acs Line $9.1 0
Available for Cash 0
PAYMENT INFORMATION
New Balance $43,075.81
Payment cue Date 10r10rlo
Minimum Payment Due $861.00
Past Due Amount 54,28100
Total Onimtan Payment Due $5,144.00
late Paym•rn Waming "we do not receive your Minimum
payment by the date listed above, you may have to pay a We tee of
up to 535.00 and your APR's will be subject to increase to a
maximum Penalty APR of 29.99%
It's not too late to resolve the outstanding balance on you credit card account We have a vanely of payment oplions that may be
right for you Call 1-888-792-7547 (collect 1-302-594-820Q) today
This account is closed and not available for new transacts. 8 there is a balance {lease continue to make payments by the due
date
Points earned this statement from purchases 0
Points transferred to Manton 0
Points add up quickly when you use your Marrion Rsward?Credit Card from Chase! Earn 3 points for every $1 spent at Manton
and 1 point on purchases made everywhere also Also, e n 1 Elite Nigh Credit towards Marion Rewards Elite Status for every
$3.000 you spend
Total fees charged it 2010 5117.00
Total interest char a in 2010 $881.43
Yea-to-dale locals effect all charges minus any refunds
applied 10 your ac cum on or after January 31, 2010.
8670972
Your Annual Percentage Rate (APR) is the annual infer 1 rate on your account
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Tyfx 31 Days In Cycle Interest Rine Charges Chargea
Purchases 18 24%(V) $0.00 $000 $0 00
Cash Advances 19 24%(v) $(1.110 50.00 $0.00
Balance transfer 18 24%(v) $0.00 $0.00 $000
Promotion 3 99% $000 $0.00 $000
Promotion 4 "% $0.00 $0.00 $0.00
(v) = Variable Rate
Please see Information About Your Account section for I Calculation of Balance Subject to Imeresl Rale, Annual Renewal Notice.
How to Avoid [Merest on Purchases. and other important i onnalion, as applicable.
This Statement Is a I
00000ol FKLI3334 C2 000 Y 9 13 1010
Z 0009 NSta692
i - Not an original
P.V. l all 05056 1/11 MA t 7753 25M 0000@000177530
104 of 153
Payment Due Date New Balance Past Due Amour I hlirdmum Payment
tvtato ;43,075 e1 $s.144o0 ;s,oosoo
AccourA number: 4388 5400 1087 8962
Make check payaeleto:
Chase C d 3ervlces.
-1 Peasewr' rt mell Print
New eddr s de, emei? Print on heal
1+3885400109789620060050004
KE'HA ISARL-FOO
1-W MILLERS GAP HD
ENOLA PA 170251011
i...Ilt.rrllLr.r.Ll.lrlrr.kl111...r.rii...IIJ?
+:50001,60281: 231500 LD97&962611
, Wrrion
REWARDS .age your aeceuM onanr Additional contact hi ermation
mar r e rrr? ?, , conveniently located on rvvorso side
jAIL;WUNI SUMMAHI
Accou nt Number 4388 54001097 8962
Previous Balance $43.075.
New Balance $43.075.
Opening/Closing Dale 09114110 - 10113(
Credit Access true $45,6
Available Credit $2.5
Cash Access Line $9.1
Available for Cash
,Wrrloft
REWARDS.
...•aeee•Na...
581000000000000007
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
PAYMENT INFORMATION
New Balance S43,07681
Payment Due Date 11/10/10
Minimum Payment Due $86100
Past Due Amount $5,14400
Total Ninmurn Payment Due $6,00500
Late Payment Warning If we do not receive your minimum
payment by the dale riled above, you may have to pay a late fee of
Lip to $35 00 and your APRs wit be subject to inceese to a
rnaxinten Penally APR of 29 99%,
You havent made Via required payments and your credit ard amount is 150 dayspest due You can shl turn things around Call
us today at 1006-792-7547 (collect 1-302694-8200) sot at we can find a solution for your situation.
TMs account is dosed and no longer available for use M ou have a balance remaining on the accourn. please corm ue to make
monthly payments by the due date. Thank you
Points earned this statement from purchases 0
Points lransfarred to Martion 0
Pants add up quickly when you use your Marriott Reward Credit Card from Chase! Earn 3 points for every $1 spent W, Marriott
and 1 pout on purchases made everywhere, else Also, e tin 1 Elite Night Credit towards Marriott Rewards Elite Status for every
$3,000 you spend
Total fees chargedi 2010 $11700
Total interest char in 2010 $881.43
Year-to-date totals e8ecl all charges minus any refunds
applied to yournt on or atler January 31 2010.
8670972
INTEREST CHARGES
Your Annual Percentage Rate (APR)is the annual intere st rate on your account
Annual Balance Acvued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 30 Days in Cycle Interest Rate Charges Charges
Purchases 18 24. (v) $0.00 $000 $000
Cash Advances 19 24. (v) $0.00 $000 $000
Balance Transfer 18 24% (v) S000 $000 $000
Promotion 4 99%. $000 $000 $0 00
Promotion 399% $000 $0.00 $000
(v) - Variable Rate
Please see information About Your Account section for ih Calmiatton of Balance Sult)e0 to Interest Rate. Annual Renewal Nohce,
How to Avoid Interest on Purchases, and other imponam i ormalion, as applicable
This Statement Is a Iacsimile - Not an original
COOe002 F153=II C2 WO Y a 13 1GIr 3 pm.101 (5056 rrn M111latl 2D61 oa000200011e17N
X CON Nsl41113
100 of 153
Payment Due Date New Balance Past Due Amo Mlydmum Payment Aarnott
12/1 o/10 $43075 81 $6 oos oo ;B,s6ago REWARDS.
Account dumber: 4388 5400 1097 8%2
Make cheek payaw to:
Char 4erri«a.
Pkasam emwnt ancbsad
New addr s orermei? Pnnt on bed
I
4388540010978962006666000407581000000000000002
x a
h
REF
FITHA
`aFE`
HFI?-L
'
144 MILLEHS CAA` liL, CARDMEMBER SERVICE
ENOLA PA 17625-tots PO BOX 15153
iw{llw{{inor{r?.l r{r u
,{{{turn{In.{{.{, WILMINGTON DE 19586-5153
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1:5000 ir6 I
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5D0 liD97896 2611
X11 FT10ff
REWARDS rage Your account mane: Additional contact InfomhaUon
ea e e e ...... corivor iontly locatod n,--a sda
ACCOUNT SUMMARY PAYMENT INFORMATION
2
Account Number 4388 54001 New Balance $43,075.81
Previous Balance 43,075.
!! 1 Paymem Due Date 12/10//0
New Balance $W43,075.. 1 lArimum Payment Due $861.00
Pasl Due Amount $6.005.00
Opening/Closing Date 10114/10 - 11/131 40 Total Minimum Payment Due $6.866.00
Credit Access tine $45,6 p0 Late Payment Warning It we do not receive your murumum
Available Credit $2,5 4 payment by the dale listed above. you may have to pay a late lee of
Cash Access Line $9.1 I,, to to $35.00 and your APR's will be subject to increase to a
maximum Penalty APR of 29.99%.
Available for Cash 0
The oulstandrig balance on your credit card account is sduled to be written off as a bad deb[ shorIlY As a result, your credit
bureau viill t>e updated with a negative rating Thal could la t for up to seven years. We can slid help- but you need to cell us now al
1-888-792-7547 (mlecl 1-302-594-8200)
This accounn is closed and no longer available lot use If `ou have a balance remaining on the account, please cominue m make
monthly payments by the due dale. Thank you
MARRIOTT REWARDS POINTS EARNED
Poims earned this statement from purchases 0
Point s transferred to Marron 0
Pants add up quickly when you use your Manion RewardCredit Cam from Chase! Earn 3 points for every $1 spent at Marriott
and 1 point on purchases made everywhere else Also. t n 1 Elite Nght Credit tour ds Marrion Rewards Elite Status for every
$3.000 you spend
Total lees charged i 2010 $11700
Total inlereslTOtal charqe? 2010 $881 432010 $881 43
Year-to-date totals ellect as charges minus any refunds
applied lo your ours on or after January 31 2010.
8670972
Your Annual Percentage Rate (APR)is the annual irnerc
Annual
B.bui a Percentage Rate (APR)
Type 31 Days In Cycie
Purchases 18 24%(v)
Cash Advances 1924%(Y)
Balance Transfer 18 24%(v)
Promotion 499%
Pronatim 3 99%
(v) = Variable Rate
Please see Information Aboul Your Account section for the
How to Avoid Interest en Purchases, and other important i
This Statement is a
0000001 F6aS. C2 ooo Y a la it
Z ooo.
rate on ycur account
Balance Accrued
Subject To Interest Inlerest
Interest Rate Charges Charges
$0.00 $0.00 $000
$0,00 $000 $000
$0.00 $0.00 $0 00
$0.00 $0.00 $000
$0.00 $0.00 $0 00
:alalalion of Balance Sugecl to Interest Retie. Annual Renewal Nolice.
ormaton. as applicable
a - Not an original
P.Dat d1 05055 eAMN 20302 31m0ooooi
22 of 153
VERIFICATION
The undersigned is anl Officer of Chase Bankcard Services, Inc., which is a subsidiary
and agent of the Plaintiff that maintains the records and services the credit card accounts
owned by the Plaintiff. The undersigned is authorized to make this verification for and on
behalf of the Plaintiff and is f4miliar with Plaintiff's account in this matter. Based upon my
review of the Plaintiff's book'p and records of Defendant's account(s), I have personal
knowledge of the facts set fo h in the attached pleading. Records such as these are kept in
the regular course of the Plai tiff's business and it is the regular course of Plaintiff s business
to maintain these records. These records and the entries thereon are made at or near the
occurrence in question by, or1from information transmitted by, a person with knowledge of
the account. This verification is made subject to the penalties of 18 Pa.C.S.A. §4904 relating
to unsworn falsification to
(Signature)
x¢vin *WAW
WWR#88670972
Client Account # 43885400 0978962
Name Keith A Barefoot
CERTIFICATE OF SERVICE
i
i
A true and correct c4y of the within Plaintiff's Amended Compliant has been served
by U.S. Mail, Postage Pre-Paid, on day of2011 upon the following:
Michael Pykosh, Esquire
2132 Market Street
Camp Hill, PA 17011
U ?/ V
By:
Sarah E. Ehasz, Esquire
CHASE BANK USA, N.A., : COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V. No: 10-6630- CIVIL TERM
KEITH A. BAREFOOT, Civil Action - Law
Defendant
C
NOTICE TO PLEAD
mCO
; rnr
To: Chase Bank USA, N.A. 0
c/o Sarah E. Ehasz, Esquire ? o
Weltman, Weinberg & Reis, Co., L.P.A. .?ca -v s-Tt
436 Seventh Avenue, Suite 1400 G,
Pittsburgh, PA 15219 a
You are hereby notified to plead to the enclosed Preliminary Objections within
twenty (20) days from the date of service hereof or a default judgment may be entered
against you.
Date:
Respectfully,Subpoed,
MicWae 'J.,9Pykosh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant, Keith A. Barefoot
Michael J. Pykosh, Esquire
I D # 58851
Dethlefs-Pykosh Law Group, LLC
2132 Market Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446
Fax - (717) 975-2309
mpykosh dplglaw,com
Attorney for Defendant
CHASE BANK USA, N.A., : COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V.
No: 10-6630- CIVIL TERM
KEITH A. BAREFOOT, Civil Action - Law
Defendant
DEFENDANT'S PRELIMINARY OBJECTIONS TO
PLAINTIFF'S AMENDED COMPLAINT
AND NOW, comes the Defendant, Keith A. Barefoot, by and through his
attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files
his Preliminary Objections to the Plaintiff's Amended Complaint, and avers as follows:
1. Plaintiff filed its original Complaint in this matter on October 19, 2010.
2. Defendant filed Preliminary Objections on November 16, 2010.
3. By Court Order of February 22, 2011, Plaintiff was ordered to file an Amended
Complaint within twenty (20) days.
4. Plaintiff filed an Amended Complaint against Defendant on March 9, 2011 alleging
that Defendant owes money to Plaintiff arising out of an account issued by Chase
Bank, USA, N.A.
5. Defendant filed instant Preliminary Objections.
First Preliminary Objection- Pa. R.C.P. 1028(a)(4) Demurrer
6. Plaintiff's Complaint is based upon contract.
7. The Second Count of Plaintiff's Count is based upon a theory of quantum merit.
8. The Pennsylvania Supreme Court has ruled that the Doctrine of Unjust
Enrichment is inapplicable where the relationship between the parties is founded upon
a contract. Lustfield v Milne 5 Pa. D&C. 5th 469 citing Wilson Area School District v
Skepton 586 Pa. 513 (2006).
Second Preliminary Objection- Pa. R.C.P. 1028(a)(2) Failure to Conform to Law
or Rule of Court
9. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection
based upon the failure of a pleading to conform to law or rule of court or inclusion of
scandalous or impertinent matter.
10. Plaintiff's Complaint is based upon a contract.
11. The Second Count of Plaintiff's Complaint is based upon a theory of quantum
merit.
12. The Pennsylvania Supreme Court has ruled that the Doctrine of Unjust
Enrichment is inapplicable where the relationship between the parties is founded upon
a contract. Lustfield v Milne 5 Pa. D&C. 5th 469 citing Wilson Area School District v
Skepton 586 Pa. 513 (2006).
WHEREFORE, the Defendant respectfully requests that his Preliminary
Objections be sustained, and that Count II of Plaintiff's Complaint be dismissed with
prejudice.
Date: 2
Resp II Submitted,
c osh, Esquire
I. D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
(717)975-9446
CHASE BANK USA, N.A.,
Plaintiff
V.
: COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: No: 10-6630- CIVIL TERM
KEITH A. BAREFOOT, Civil Action - Law
Defendant .
CERTIFICATE OF SERVICE
I hereby certify that a copy of the foregoing Defendant, Keith A. Barefoot,
Preliminary Objections to Plaintiffs Amended Complaint, was hereby served by
depositing the same within the custody of the United States Postal Service, First Class,
postage prepaid, addressed as follows:
Chase Bank USA, N.A.
c/o Sarah E. Ehasz, Esquire
Weltman, Weinberg & Reis, Co., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Date:
7z;r Submitted,
ael J. Pykosh, Esquire
I. D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant