HomeMy WebLinkAbout10-7313a
o THEP ROT° FILED-OFFICE
2010 DEC -2 pH ?: 35
COUNTY
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) ipAYS AFTER filing the notice of appeal. Check applicable boxes)
COMMONWEALTH ENNSYLVANIA
COUNTY O L r?, , ss
AFFIDAVIT. i hereby swear or affirm that I served
a copy of the Notice of A peal, Common Pleas No. 3_ , upon the District Justice designated therein on
(date of service? ° l 0 J by personal service J by (certified) (regis ered) mail, sender's
receipt attached hereto, and upon the appellee. (name) _-- -5779'W4 9 r -__X&C3047S , on
_ __ ------- ____ ,20__ _j by personal service _j by ( itifie gistered) mail, sender's receipt attached hereto.
and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon; the appellee(s) to whom
the Rule was addressed 20 _j by personal service J by (certified) (registered)
mail, sender's receipt attached hereto. -?
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF _ VeM Cam, 20 ----
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COMMONWEALTH OF PENNSI
COURT OF COMMON PLEAS
NOTICE OF APPEAL
Judicial District, County Of -UM,B??'Z?gnJ,D FROM
STERIAL DISTRICT JUDGE JUDGMENT
2,010 AI.PLEAS No.
NOTICE. 4F, f V C1 I/ -,,I 31
Notice is given that h0 appellantAQbd in the above Court of Common Pleas an iappeal from the judgment rendered by the Magisterial District
Judge on the dathi?and in the?*ekeferenced below.
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OLCEC/J
i V P ` P+^( 4a 7 .i 7> 0 STATE ZIP QLTY
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D I E CASE OF (Plain ' /endant) y
7 No. - '^" -. CJ if K 0/6 SIGNATURE
This block will be signed 'ONLY when this notation is required under Pa. If appellant was%Clelmant (806'Ra. R.C.P.D.J. No. 11)84(6) in action
R.C.RD.J. NoZZ0lilQ `.` , .?• `
This Notice of Appeal, when -B
en received by the Magisterial-id Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED
operate as a SUPERSEDEAS to the judgment for possefpsigDin thfs case. within twenty
(20) days after filing the NOTICE of APPEAL,
Signature o tonotaq -PrDeputy
f `P?CiAE I' NT t ..FILE COMPLAINT AND ,RULE TO FILE
(This section of forma be used ONLY when apjlant was DEFENDENT (see Pa. R.C.RD.J. No. 1001(7) in action before Magisterial District
Judge. IFW0T USED,- detach from copy of notice of appeal to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon appellee(s), to file a complaint in this appeal
(Common Pleas No. )"within twd*{20) days after service of rule or suffer entry of judgment of non pros.
Signature of appellant oe attorney or agent
RULE: To appellee(s) it
}
Narne of appellse(s)
(1) You are notified thata rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service
of this rule upon you by personal service or by certified or registered mail.
(2) If you do 4t file a complaint within this, time, a JUDGMENT OF NOW PROS MAY BE ENTERED AGAINST YOU.
(3) The date service of this rule 'tf s+enoCe was by mail is the date of,the maser
Date: 20
ProGrontrtar?ort3? `-.
YOU MUST INCLUDE A COPY OF THE, NOTICE OF J NTFTRAN T POl1 ? TIS N( E OP L.
AOPC 312-05
COURT FILE
4
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, `
PENNSYLVANIA
CIVIL DIVISION ?
PLAINTIFF ..R: "
AMERICAN CREDIT = .
COLLECTIONS
LLC
,
P.O. BOX 264 -' '
TAYLOR, PA 18517
COMPLAINT IN CIVIL ACTION
VS. DOCKET NO.: 10-7313
DEFENDANT
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
FILED ON BEHALF OF PLAINTIFF
ATTORNEY OF RECORD OF
THIS PARTY:
Robert M. Cohen, Esquire
PA I.D # 44551
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517 NO.: 10-7313
VS.
DEFENDANT
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by an attorney and filing in writing with
the court your defenses or obligations to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the court without further notice for any money claimed in the complaint or for any other claim
or relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
717-240-6200
AMERICAN CREDIT & COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
PLAINTIFF
VS.
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
DEFENDANT
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL DIVISION
DOCKET NO.: 10-7313
COMPLAINT
NOW COMES, the Plaintiff by and through its Attorney, Robert M. Cohen, Esquire and
hereby complains as follows:
1. The Plaintiff is AMERICAN CREDIT & COLLECTIONS, LLC, a Pennsylvania Limited
Liability Company with a mailing address located at P.O. Box 264, Taylor, Lackawanna County,
Pennsylvania and offices located at 921 Oak Street, Scranton, Lackawanna County,
Pennsylvania.
2. The Defendant is Stewart Rhodes, an adult individual, who currently resides at
211 E. Main Street, Camp Hill, Cumberland County, Pennsylvania, 17011.
COUNTI-CONTRACT
3. Defendant applied for and received a credit card with CHASE, USA NA bearing the
account number (5401683045205918), on or about April 23, 2007.
4. Defendant made use of said credit card, thus accepting the offer of credit, and has a
current balance due of Twenty Two Thousand Eighty Four Dollars and Fifty Three Cents
($11,595.16) as of December 10, 2010. See Cardmember Agreement, the writing governing the
terms of the extension of credit, attached as Exhibit "A" and monthly statements, collectively
attached as Exhibit "B".
5. Defendant is in default of aforesaid Agreement, as of November 16, 2007, by failing to
make required monthly payments when due. As such, the entire balance is immediately due and
payable to Plaintiff, pursuant to said agreement.
6. Plaintiff purchased the Defendant's debt on January 22, 2010. See Plaintiff's Bill of Sale
and Chain of title, collectively attached as Exhibit "C".
7. Plaintiff is entitled to the addition of interest pursuant to Exhibit "A", at the conservative
rate of 19.99% per annum on the unpaid balance as pre judgment interest from the date of
default of November 16, 2007, up to the date of judgment.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the balance due to Plaintiff, thus damaging Plaintiff.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Stewart Rhodes, individually, in the amount of
$11,595.16, with continuing pre judgment interest thereon at the rate of 19.99% per annum from
December 10, 2010, up to date of judgment, plus subsequent 6% interest on the judgment
obtained, plus costs.
COUNT II - ACCOUNT STATED
9. Paragraphs 1-8 are incorporated herein.
10. Defendant received aforesaid monthly statements, and did not timely dispute the charges
therein.
11. Defendant made partial payments on the balances then due.
12. The account stated was impliedly accepted by Defendant.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Stewart Rhodes, individually, in the amount of
$11,595.16, with continuing pre judgment interest thereon at the rate of 19.99% per annum from
December 10, 2010 up to date of judgment, plus subsequent 6% interest on the judgment
obtained, plus costs.
COUNT III - UNJUST ENRICHMENT
13. Paragraphs 1-12 are incorporated by reference.
14. Alternatively, monetary benefits, with which Defendant purchased goods and services,
have been conferred on Defendant, as stated herein.
15. Defendant has appreciated said benefits, as stated herein.
16. The acceptance and retention of such benefits under these circumstances by Defendant
would be inequitable without the payment of value for same.
Wherefore, the Plaintiff, AMERICAN CREDIT & COLLECTIONS, LLC, prays for
judgment in its favor and against Defendant, Stewart Rhodes, individually, in the amount of the
reasonable value of benefits conferred, to be determined, plus interest, plus costs.
Dated: ? //D //Q
IV 1? I t /!
k'4?-4 C'Z?
Robert M. Cohen, Esquire
PA I.D # 44551
P.O. Box 264
Taylor, PA 18517
(866) 760-6205 ext. 235
Attorney for Plaintiff
This company is a debt collector attempting to collect this debt for our client and any
information obtained will be used for that purpose.
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 4904
relating to unsworn falsification to authorities, that he is MICHAEL CONFLITTI, PRESIDENT,
authorized agent of AMERICAN CREDIT COLLECTIONS, LLC, Plaintiff herein that he is
duly authorized to make this verification, and that the facts set forth in the foregoing Complaint,
pursuant to Pa. R.C.P. 4009.12, are true and correct to the best of his knowledge, information
and belief.
Date: W21 D d -mot ?a
Michael onflitti
President
Exhibit
Cardmember Agreement
CMA15075
ACCEPTANCE OF THIS AGREEMENT
This agreement governs your credit card account with us referenced on the card carrier
containing the card forthis account. Any use of your account is covered by this agreement.
Please read the entire agreement and keep it for your records. You authorize us to pay
for and charge your account for all transactions made on your account. You promise to
pay us for all transactions made on your account, as wall as anyfees or finance charges.
If this is a joint account, each of you, together and individually, is responsible for paying
all amounts owed, even if the account is used by only one of you. We may require that
you pay the full amount owed without first asking the other person(s) to pay.
Please sign the back of your card when you receive it. You will be bound by this agreement
if you or anyone authorized by you use your account for any purpose, even if you don't
sign your card. Whether you use your account or not, you will be bound bythis agreement
unless you cancel your account within 30 days after receiving your card and you have
not usedyour account for any purpose.
Throughout this agreement, the words "we", "us' and'our mean Chase Bank USA, N.A.,
the issuer of your credit card and account. The words 'you , your and yours" mean all
persons responsible for complying with this agreement, including the person who applied
for the account and the person to whom we address billing statements, as well as any
person who agrees to be liable onthe account. The word card' means one or more cards
or other access devices, such as account numbers, that we have issued to permit you
to obtain credit under this agreement.
USING YOUR ACCOUNT
Your account is a consumer account and shall be used only for personal, family or
household purposes. Unless we agree or it is required by law, we will not be responsible
for merchandise or services purchased or leased through use of your account. You
promise to use your account onlyforvalid and lawful transactions. For example, internet
gambling may be illegal in some places. It is not our responsibility to make sure that you
use your account only for permissible transactions, and you will remain responsible for
paying for a transaction even if it is not permissible or contemplated under this agreement.
Types of Transactions:
• Purchases: You may use your card to pay for goods or services.
• Checks: We may provide you cash advance checks or balance transfer checks as a
wayto use youraccount. We also referto them in this agreement as a check orchecks.
You may use a check to pay for goods or services, to transfer balances to your account,
or for other uses we allow. But you may not use these checks to transfer balances to
this account from other accounts with us or any of our related companies. Only the
person whose name is printed on the check may sign the check. Cash advance checks
are treated as cash advances and balance transfer checks are treated as balance
transfers except as noted in this agreement or any offerwe make to you. We may treat
checks thatwe call convenience checks as balance transferchecks. However, checks
that we call convenience checks and thatwe indicated to you are subject to the terms
for cash advances, maybetreated as cash advances and assessed cash advance rates
and fees.
• Balance Transfers: You may transfer balances from other accounts or loans with other
credit card issuers or other lenders to this account, or other balance transfers we allow.
But you may not transfer balances to this account from other accounts with us or any
of our related companies. If a portion of a requested balance transfer will exceed your
available credit line, we may process a partial balance transfer up to your available
credit fine.
• Cash Advances: You may use your card to get cash from automatic teller machines, or
from financial institutions accepting the card; or to obtain travelers checks, foreign
currency, money orders, wire transfers or similar cash-like charges; orto obtain lottery
tickets, casino gaming chips, race track wagers or for similar betting transactions. You
may also use a third party serviceto make a payment onyour behalf and bill the payment
to this account.
• Overdraft Advances: If you have an eligible checking account with one of our related
banks, you may link this account to your checking account with our related bank to
cover an overdraft on that checking account under the terms of this agreement and
your checking account agreement.
Billing Cycle: In orderto manage your account, we divide time into periods called "billing
cycles'. Each billing cycle is approximately one month in length. Foreach calendarmonth,
your account will have a billing cycle that ends in that month. Your account will have a
billing cycle ending in each calendar month whether or not there is a billing statement
for that billing cycle.
Authorized Users: If you allow someone to use your account, that person will be an
authorized user. You may request an additional card for use by an authorized user on
your account. If you do so, this account may appear on the credit reportof that authorized
user. You should think carefully before allowing anyone to become an authorized user
because you are allowing that person to use the account as you can. You will remain
responsible for the use of your account and each card issued on your account according
to the terms of this agreement. This includes your responsibility for paying all charges
on your account made by an authorized user.
You must notify us to terminate an authorized user's permission to use your account. If
you notify us, we may close the account and/or issue a new card or cards with a different
account number. You should also recover and destroy any cards, checks or any other
means of access to your account from that authorized user,
Credit Line: Your credit line appears on your billing statements. We may also refer to the
credit line as a credit limit. Your billing statement may also show that only a portion of
your credit line may be used for cash advances. Cash advances, including cash advance
checks, are charged against the cash advance portion of your credit line, and all other
transactions are charged against your credit fine. You are responsible for keeping track
of your account balance, including any tees and finance charges, and making sure it
remains below your credit line. If your account balance is over your credit line for any
reason, we may charge you an overlimitfee as described in this agreement. We may, but
are not required to, authorize charges that go over your credit line. You must pay any
amount over your credit line, and you must pay us immediately if we ask you to. This
agreement applies to any balance on your account, including any balance over your
credit line.
At our discretion, we may increase, reduce, or cancel your credit line, orthe cash advance
portion of your credit line, at any time. However, if you have asked us not to do so, we
will not increase your credit line. A change to your credit line will not affect your obligation
to pay us_
International Transactions: International transactions include any transaction that you
make in a foreign currency or that you make outside of the United States of America even
if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa
International or MasterCard International, Inc., will convert the transaction into U.S.
dollars by using its respective currency conversion procedures. The exchange rate each
entity uses to convert currency is a rate that it selects either from the range of rates
available in the wholesale currency markets for the applicable processing date (which
rate may vary from the rate the respective entity itself receives), or the
government-mandated rate in effecton the applicable processing date. The rate in effect
on the applicable processing date may differ from the rate on the date you used your card
or account. We reservethe right to charge you an additional 3% ofthe U.S. dollar amount
of any international transaction, whether that transaction was originally made in U.S.
dollars or was made in another currency and converted to U.S. dollars by Visa or
MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided
to us by that entity. The same process and charges may apply if any international
transaction is reversed.
Refusal to Authorize Transactions: We may, but ere not required to, decline a transaction
on your account for any of the following reasons:
• because of operational considerations,
• because your account is in default,
• if we suspect fraudulent or unlawful activity or,
• in our discretion, for any other reason.
We are not responsible for any losses if a transaction on your account is declined for
any reason, either by us or a third party, even if you have sufficient credit available.
For online transactions, we may require that you register your account with an
authorization system that we select. We will notify you if we want you to register. If you
do not register, we may decline your online transactions.
Refusal to Pay Checks: Each checkyou write is your requestior funds. When we receive
a check for payment, we may review your account to decide whether to authorize that
check. We may, but are not required to, reject and return unpaid a check for any reason,
including the following examples:
• We or one of our related companies is the payee on the check.
• Your credit line or cash advance portion ofyour credit line has been exceeded, or would
be exceeded if we paid the check
• The check is post-dated. If a post-dated check is paid, resulting in anothercheck being
returned or not paid, we are not responsible.
• You have used the check after the date specified on ft.
• You are in default or would be if we paid the check.
Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number
or other means to access your account is lost or stolen, or you think someone used or
may use them without your permission, you must notify us at once by calling the
Cardmember Service telephone number shown on your card or billing statement. Do not
use your account after you notify us, even if your card, check, account number or other
means to access your account is found or returned, We may terminate or suspend your
credit privileges when you notify us of any loss, theft or unauthorized use related to your
account.
You may be liable if there is unauthorized use of your account from which you receive
no benefit, but you will not be liable for more than $50.00 of such transactions, and you
will not be liable for any such transactions made after you notify us of the loss, theft or
unauthorized use. However, you must identify for us the unauthorized charges fromwhich
you received no benefit.
We may require you to provide us information in writing to help us find outwhat happened.
We may also require you to comply with certain procedures in connection with our
investigation.
PAYMENTS
Payment Instructions: Your billing statement and accompanying envelope include
instructions you must follow for making payments and sets forth the date and time by
which we must receive the payment.
You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S.
financial institution or the U.S. branch of a foreign financial institution using a payment
check, money order or automatic debit thatwill be processed or honored byyourfinancial
institution. We wilt not accept cash payments. Your total available credit may not be
restored for tip to 15 days after we receive your payment.
Any payment check or other form of payment which you send to us for less than the full
balance that is marked "paid infull" orwith a similar notation orthatyou otherwise tender
in full satisfaction of a disputed amount (conditional payments), must be sent to us atthe
conditional payments address listed on yourmonthly statement. We reserve all our rights
regarding such payments. For example, if it is determined there is no valid dispute or if
any such payment is received at any other address, we may accept the payment and you
will still owe any remaining balance. We may refuse to accept any such payment by
returning it to you, not cashing it or by destroying it. All other payments that you make
should be sent to the regular payment address shown on your monthly statements.
Page 1 of 6
We reserve the right to electronically collect your eligible payment checks, at first
' presentment and any representment, from the bank account on which the check is
drawn. Our receipt of your payment checks is your authorization for us to collect
the amount of the check electronically, or, if needed, by a draft drawn against the
bank account Payment checks will be collected electronically by sending the check
amount along with the check, routing and account numbers to your bank. Your bank
account may be debited as early as the same day we receive your payment. The
original payment check will be destroyed and an image will be maintained in our
records.
Minimum Payment You agree to pay at least the minimum payment due, as shown
on your billing statement se that we receive it by the date and time payment is due.
You may pay more than the minimum payment due and may paythe full amount you
owe us at any time. If you have a balance that is subject to finance charges, the
sooner you pay us, the less you will pay in finance charges because finance charges
accrue on your balance each day.
Your billing statement shows your beginning balance and your ending balance (the
"New Balance" on your billing statement). if the Now 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 and overlimit fees. As
part of the minimum payment due, we also add any amount pest due and any amount
over your credit line.
Payment Allocation: You agree that we are authorized to alloeete your payments
and credits in a way that is mostfavorable to or convenient for us. For example, you
authorize us to apply your payments and credits to balances with tower APRs (such
as promotional APRs) before balances with higher APRs.
Credit Balances: You may request a refund of a credit balance at any time. We may
reduce the amount of any credit balance bythe amount of new charges orfees billed
to your account.
Automatic Charges: You may authorize a third party to automatically charge your
account for repeat transactions (for example, monthly utility charges, memberships
and insurance premiums). If automatic charges are stopped for any reason (including
because your account is closed or suspended for any reason) or your account
number changes, you are responsible for notifying the biller and paying these charges
directly. If your account number changes, we may, but are not required to, pay from
your new account number charges that you authorized to be billed to your old account
number.
Promotions: From time to time we may offer special terms for your account. If we
do, we will notifyyou aboutthe terms of the offer and how long theywill be in effect.
Any promotion is subject to the terms of this agreement, as modified by the
promotional offer.
FINANCE CHARGES
Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates
('APRs") and the corresponding daily periodic rates are listed on the Rates and Fees
Table that is at the end of this document or provided separately. To get the daily
periodic rate we divide the APR by 365, and in effect always round up at the fifth
place to the right of the decimal point.
Variable Rates: One or more APRs that applyto your account may vary with changes
to the Prime Rate. When you have an APR that varies with changes to the Prime
Rate, we calculate the APR by adding a margin to the Prime Rate published in The
Wall StreetJournaltwo business days before the Closing Date shown on your billing
statement. The "Prime Rate' is the highest (U.S.) Prime Rate published in the Money
Rates section of The Wall Street Journal. If The Wall StreetJournal stops publishing
the Prime Rate, we will select a similar reference rate and inform you on your billing
statement or through a separate notice.
A "margin" is the percentage we add to the Prime Rate to calculate the APR. A
"business day" is any day that is not a weekend or federal holiday. The Rates and
Fees Table shows which rates, if any, are variable rates. It also lists the margin for
each variable rate and any minimum daily periodic rate and corresponding APR.
Two business days before the Closing Date shown on your billing statement, we see
what the Prime Rate is. We then add the applicable margin to that Prime Rate to get
the APR. The daily periodic rate is calculated as described above.
If our calculation results in a change to a daily periodic rate from the previous billing
cycle because the Prime Rate has changed, the new rate will apply as of the first
day of your billing cycle that ends in the calendar month in which we made the
calculation. If the dally periodic rate increases, you will have to pay a higher periodic
finance charge and may have to pay a higher minimum payment.
Default Rates: Your APRs also may vary if you are in default under this agreement
or any other agreement you have with us or any of our related companies for any of
the following reasons:
• We do not receive, for any payment that is owed on this account or any other
account or loan with us, at least the minimum payment due by the date and time
due.
• You exceed your credit line on this account.
• You make a payment to us that is not honored by your bank.
If anyof these events occurs,we may increase the APRs (including anypromotional
APR) on all balances lexcluding overdraft advances) up to a maximum of the default
rate stated in the Rates and Fees Table. We may consider the following factors to
determine your default rate: the length of time your account has been open, the
existence, seriousness and timing of the defaults onyouraccount; other indications
of your account usage and performance; information about yourother relationships
with us or any of our related companies; and information we obtain from consumer
credit reports obtained from credit bureaus. The default rate will take effect as of
the first day of the billing cycle in which the default occurs.
If we decide not to increase your APR even though there is a default or if we do not
increase your APR up to the maximum default rate stated in the Rates and Fees
Table, we reserve our right to increase your APR in the eventof any future default.
We may in our discretion determine to charge reduced default rates or reinstate
standard rates for all or selected balances on your account.
Finance Charge Calculation - Average Daily Balance Method (including New
Transactions). We calculate periodic finance charges separately for each balance
associated with a different category of transactions (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 itworks:
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 subjectto a promotional
rate the same way, but we use the promotional rate.
To get the daily balance for each dayfor 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 laterdate of our choice. We add a newcash 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. If more than one daily periodic rate
could apply to a category because the rate for the category mayvary based on the
amount of its average daily balance, we will use the daily periodic rate that applies
for the average daily balance amount atthe 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 Oates 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 anytransaction fee finance charges.
far each categorywe calculate an average daily balance (including new transactions)
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 averageclaily balance for
a category bytheapplicable daily periodic rate, and multiplythe result bythe 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.
Grace Period and Accrual of Finance Charges: We accrue periodic finance charges
on a transaction, fee, orfrnance charge from the date it is added to your daly balance
until payment in full is received on your account. However, we do not charge periodic
finance charges on new purchases billed during a billing cycle if we receive payment
of your New Balance by the date and time your minimum payment is due and we
received payment of your New Balance on your previous billing statement by the
date and time your payment was due. This exception or "grace period" applies only
to purchases and does not apply to balance transfers, balance transfer checks, cash
advances, cash advance checks or overdraft advances, if applicable.
Transaction Fees for Cash Advances: We may charge you a cash advance fee in
the amount stated in the Rates and Fees Table for cash advance checks and cash
advances.
In addition, if you use a third party service to make a payment on your behalf and
the service charges the payment to this account, we may charge a transaction fee
for the payment.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction date of the cash advance. For example, a
transaction fee for a cash advance would be added to your cash advance balance.
Transaction Fees for Balance Transfers: We may charge you a balance transfer fee
in the amount stated in the Rates and Fees Table for balance transfer checks and
balance transfers.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction date of the balance transfer. For example, a
transaction fee for a balance transfer would be added to your balance transfer
balance.
OTHER FEES AND CHARGES
We may charge the following fees. The amounts of these fees are listed in the Rates
and Fees Table. These fees will be added tothe balance for purchases made during
the billing cycle.
Annual Membership Fee: If your account has an annual membership fee, it will be
billed each year or in monthly installments (as stated in the Rates and Fees Table),
whether or not you use your account, and you agree to pay itwhen billed.The annual
Page 2 of 6 CMA15075
membership fee is non-refundable unless you notify us that you wish to close your account
'within 30 days of the date we mail your billing statement on which the annual membership
fee is charged and at the same time, you pay your outstanding balance in full. Your payment
of the annual membership fee does not affect our right to close your account or limit your
right to make transactions on your account. If your account is closed by you or us, we
will continueto chargethe annual membership fee until you pay youroutstanding balance
in full and terminate your account relationship.
Late Fee: If we do not receive at least the required minimum payment by the date and
time it is due as shown on your billing statement for any billing cycle, we may charge the
late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we
calculate the late fee using the Previous Balance on the current month's statement that
shows the late fee. This balance is the some as the Now Balance shown on the prior
month's statement for which we did not receive at feast the required minimum payment
by the date and time 4 was due.
Overlimit Fee: If your account balance is over your credit line at anytime during a billing
cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee
even ifyour balance is over the credit line because of a finance charge or fee we imposed
or a transaction we authorized. We will not charge more than one overlimit fee for any
billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no
new transactions are made on your account, if your account balance still is over your
credit fine at any time during the subsequent billing cycles.
Return Payment Fee: It (a) your payment check or similar instrument is not honored, (b)
an automatic debit or other electronic payment is returned unpaid, or (c) we must return
a payment check because it is not signed or cannot be processed, we may charge a
return payment fee.
Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer
check at your request, or Ib) we refuse to pay a cash advance check or balance transfer
check, we may charge a return check fee.
Administrative 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), we may charge you for these services.
However, we will not charge you for copies of billing statements, sales drafts or similar
documents that you request for a billing dispute you may assertagainst us under applicable
law. We may charge, for any services listed above and other services we provide, the
fees from time to time in effect when we offer the service.
DEFAULT/COLLECTION
We may consider you to be in default if any of these occurs:
• We do not receive at least the minimum amount due bythe date and time due as shown
on your billing statement.
• You exceed your credit line.
• You fail to comply with the terms of this agreement or any agreement with 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 in the event of your death.
If we consider your account to be in default, we may close your account without notice
and require you to pay your unpaid balance immediately. We also may require you to pay
interest at the rate of two percent (2%) a month on the unpaid balance when we deem
your account to be six or more billing cycles past due.
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 YOUR ACCOUNT
You may close your account at any time. If you call us to close your account we may
require that you confirm your request in writing.
We may close your account at any time or suspend your credit privileges at any time for
any reason without prior notice except as required by applicable law. If we close your
account, we will not be liable to you for any consequences resulting from closing your
account or suspending your credit privileges.
If you or we close your account, you and any authorized users must immediately stop
using your account and destroy all cards, checks or other means to access your account
or return them to us upon request. You will continue to be responsible for charges to your
account, even if they are made or processed after your account is closed and you will
be required to pay the outstanding balance an your account according to the terms of
this agreement. In addition, to the extent allowed by law, we may require you to pay the
outstanding balance immediately or at any time after your account is closed.
ARBITRATION AGREEMENT
PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY
BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO
TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE
ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN
ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL
NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION
BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU
AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS
IN A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED
IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER
REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT
TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEALTHE DECISION MAY BE
MORE LIMITED. EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED.
Binding Arbitration. This Arbitration Agreement is made pursuantto a transaction involving
interstate commerce, and shall be governed by and be enforceable under the Federal
Arbitration Act (the'FAA ), 9 U.S.C. 91-16 as itmay be amended. This Arbitration Agreement
sets forth the circumstances and procedures underwhich claims (as defined below) may
be resolved by arbitration instead of being litigated in court.
Parties Covered. Forthepurposes ofthisArbitration Agreement, 'we;"us",and"our also
includes our parent subsidiaries, affiliates, licensees, predecessors, successors, assigns,
any purchaser of your Account, and all of their officers, directors, employees, agents,
and assigns or any and all of them. Additionally, *we', *us* and'our'sha8 include any third
party providing benefits, services, or products in connection with the Account (including
but not limited to credit bureaus, merchants that accept any credit device issued under
the Account, rewards programs and enrollment services, credit insurance companies,
debt collectors, and all oftheir officers, directors, employees, agents and representatives)
it, and only if, such a third parry is named by you as a co-defendant in any Claim you assert
against us.
Claims Covered. Either you or we may, without the other's consent, elect mandatory,
binding arbitration of any claim, dispute or controversy by either you or us against the
other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or
assigns of the other; arising from or relating in any way to the Cardmember Agreement,
any prior C a rdmember Agreement, your credit card Account orthe advertising, application
or approval of your Account ('Claim'). This Arbitration Agreement governs an Claims,
whether such Claims are based on law, statute, contract, regulation, ordinance, tort,
common law, constitutional provision, or any legal theory of law such as respondeat
superior, or any other legal or equitable ground and whether such Clairns seek as remedies
money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject
to this Arbitration Agreement include Claims regarding the applicability of this Arbitration
Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember
Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise
in the present or the future. As used in this Arbitration Agreement, the term Claim is to
be given the broadest possible meaning.
Claims subjectto arbitration include Claims that are made as counterclaims, cross claims,
third party claims, interpleaders or otherwise, and a party who initiates a proceeding in
court may elect arbitration with respect to any such Claims advanced in the lawsuit by
any party or parties.
As an exception to this Arbitration Agreement, you retain the right to pursue in a small
claims court any Claim that is within that court's jurisdiction and proceeds on an individual
basis. If a party elects to arbitrate a Claim,the arbitrationwill be conducted as an individual
action. Neither you nor we agree to any arbitration on a class or representative basis,
and the arbitrator shall have no authority to proceed on such basis. This means that even
if a class action lawsuit or other representative action, such asthat in the form of a private
attorney general action, is filed, any Claim between us related to the issues raised in such
lawsuits will be subject to an individual arbitration claim if either you orwe so elect.
No arbitration will be consolidated with any other arbitration proceeding without the
consent of all parties. The only Claims that may be joined in an individual action under
this Arbitration Agreement are (1) those brought by us against you and any co-applicant,
joint cardmember, or authorized user of your Account, or your heirs or your trustee in
bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or
authorized user of your Account, or your heirs or your trustee in bankruptcy against us.
Initiation of Arbitration. The parry filing a Claim in arbitration must choose one of the
following two arbitration administrators: American Arbitration Association; or National
Arbitration Forum. These administrators are independent from us. The administrator does
not conduct the arbitration. Arbitration is conducted under the rules of the selected
arbitration administrator by an impartial third party chosen in accordance with the rules
of the selected arbitration administrator and as may be provided in this Arbitration
Agreement. Any arbitration hearing that you attend shall be held at a place chosen by
the arbitrator or arbitration administrator within the federal judicial district in which you
reside at the time the Claim is filed, or at some other place to which you and we agree in
writing. You may obtain copies of the current rules of each of the two arbitration
administrators, information about arbitration and arbitration fees, and instructions for
initiating arbitration by contacting the arbitration administrators as follows:
American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY
10017-4605, Web site: www.adcorg, 800-778.7879; or
National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site:
www.arbitration-forum.com, 800-474-2371.
Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve
Claims. The arbitratorwill either be a lawyerwith atleastten years experience ora retired
or former judge. The arbitration will be conducted under the applicable procedures and
rules of the arbitration administrator that are in effect on the date the arbitration is filed
unless those procedures and rules are inconsistent with this Arbitration Agreement, in
which case this Agreement will prevail. These procedures and rules may limit the amount
of discovery available to you or us. The arbitrator will apply applicable substantive law
consistent with the FAA and applicable statutes of limitations, and will honor claims of
privilege recognized at law. You may choose to have a hearing and be represented by
counsel. The a rbitratorwill take reasonable steps to protect customer Account information
and other confidential information, including the use of protective orders to prohibit
disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will
have the power to award to a party any damages or other relief provided for under
applicable law, and will not have the power to award relief to, against, or for the benefit
of any person who is not a party to the proceeding. If the law authorizes such relief, the
arbitrator may award punitive damages or attorney fees. The arbitrator will make any
award in writing but need not provide a statement of reasons unless requested by a party.
Upon a request by you or us, the arbitrator will provide a briel statement of the reasons
for the award.
Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the
amount of $500 upon receipt of proof of payment. Additionally, if there is a hearing, we
Page 3 of 6 CMA15075
will pay any fees of the arbitrator and arbitration administrator for the first two days
,of that hearing. The payment of any such hearing fees by us will be made directly
to the arbitration administrator selected by you or us pursuant to this Arbitration
Agreement. All otherfees will be allocated in keeping with the rules of the arbitration
administrator and applicable law, However, we will advance or reimburse filing fees
and other fees if the arbitration administrator or arbitrator determines there is good
reason for requiring us to do so oryou ask us and we determine there is good cause
for doing so. Each party will bear the expense of the fees and costs of that party's
attorneys, experts, witnesses, documents and other expenses, regardless of which
party prevails, for arbitration and any appeal Jas permitted below), except that the
arbitrator shall apply any applicable law in determining whether a party should
recover any or all fees and costs from another party.
Enforcement, finality, appeals, Failure or any delay in enforcing this Arbitration
Agreement at anytime, orin connection with any particular Claims, will not constitute
a waiver of any rights to require arbitration at a latertime or in connection with any
other Claims. Any decision rendered in such arbitration proceeding will be final and
binding on the parties, unless a party appeals in writing to the arbitration organization
within 30 days of issuance of the award. The appeal must request a new arbitration
before a panel of three neutral arbitrators designated by the same arbitration
organization. The panel will reconsider all factual and legal issues anew, follow the
some rules that apply to a proceeding using a single arbitrator, and make decisions
based on the vote of the majority. Each parry will bear their own fees, costs and
expenses for any appeal, but a party may recover any or all fees, costs and expenses
from another party, if the majority of the panel of arbitrators, applying applicable
law, so determines. An award in arbitration will be enforceable as provided by the
FAA or other applicable law by any court having jurisdiction.
Severability, survival. This Arbitration Agreement shall survive: (i) termination or
changes in the Cardmember Agreement, the Account and the relationship between
you and us concerning the Account, such as the issuing of a new account number
or the transferring of the balance in the Account to another account; (if) the
bankruptcy of any party or any similar proceeding initiated by you or on your behalf;
and (iii) payment of the debt in full by you or by a third party. If any portion of this
Arbitration Agreement is deemed invalid or unenforceable, the remaining portions
shall nevertheless remain in force.
CHANGES TO THIS AGREEMENT
We can change this agreement at any time, regardless of whether you have access
to your account, by adding, deleting, or modifying any provision. Our right to add,
delete, or modify provisions includes financial terms, such as the APRs and fees,
and other terms such as the nature, extent, and enforcement of the rights and
obligations you orwe may have relating to this agreement. Modifications, additions,
or deletions are called 'Changes* or a "Change".
We will notifyyou of any Change if required by applicable law. These Changes may
be effective with notice only, at the time stated in our notice, in accordance with
applicable law. Unless we state otherwise, any Change will apply to the unpaid
balances on your account and to new transactions.
The notice will describe any rights you may have with respect to any Change, and
the consequences if you do or do not exercise those rights. For example, the notice
may state that you may notify us in writing by a specified date if you do not want to
accept certain Changes we are making. If you notify us in writing that you do not
accept the Changes, your accountmay be closed (if it is not already closed) and you
will be obligated to pay your outstanding balance under the applicable terms of the
agreement. If you do not notify us in writing by the date stated in the notice, or if you
notify us but then use your account after the date stated in the notice, you will be
deemed to accept all Changes in the notice and to accept and confirm all terms of
your agreement and all Changes in prior notices we have sent you regardless of
whether you have access to your account.
CREDIT INFORMATION
We may periodically review your credit history by obtaining information from credit
bureaus and others.
We may report information about you and your account to credit bureaus, including
your failure to pay us on time. If you request additional cards on your account for
others, we may report account information in your name as well as in the names of
those other people.
If you think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing statement.
Please include your name, address, account number, telephone number and a brief
description of the problem. if available, please provide a copy of the credit bureau
report in question. We will promptly investigate the matter and, 'd our investigation
shows that you are right, we will contact each credit bureau 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. We will also notify the
credit bureau that you dispute the information unless you let us know that you no
longer dispute the information.
NOTICES/CHANGE OF PERSONAL INFORMATION
We will send cards, billing statements and other notices to you atthe address shown
in our files. Or, if this is a joint account, we can send billing statements and notices
to any joint account holder. Notice to one of you will be considered notice to all of
you and all of you will remain obligated on the account. If you change your name,
address, or home, cellular or business telephone number or email address Jif you
elect to receive billing statements or other notices online), you must notify us
immediately in writing at the address shown on your billing statement. We may, at
our option, accept mailing address corrections from the United States Postal Service.
We may contactyou about your account, including for customer service or collection,
at any address or telephone number as well as any cellular telephone number yott
provide us.
TELEPHONE MONITORING AND RECORDING
We, and if applicable, our agents, may listen to and record your telephone calls with
us. You agree that we, and if applicable, our agents, may do so, whether you or we
initiate the telephone call.
INFORMATION SHARING
You authorize us to share certain information aboutyou and your account within our
family of companies, and with others outside our family of companies including any
company or organization whose name or mark may appear on the cards, as permitted
by law. Our Privacy Policy, which is provided to you when you first receive an
agreement and at leastonce each calendar year thereafter, describes our information
sharing practices and the choices you have and directions you may give us about
our sharing of information about you and your account with companies or
organizations within and outside of our family of companies.
ILLINOIS CAROMEMBERS
Illinois law provides that we may not share information about you with companies
or other organizations outside of our family of companies unless you authorize the
disclosure or unless the disclosure falls under another exception in the law (such
as sharing information to process your transactions or in response to a subpoena).
You herebyagree that, if you choose notto exercisethe applicable optoutdescribed
in our Privacy Policy, you will be deemed to have authorized us to share personal
information we have aboutyou (including information related to any of the products
or services you may have with any of our companies) with companies or other
organizations outside of our family of companies.
ENFORCING THIS AGREEMENT
We can delay enforcing or not enforce any of our rights underthis agreement without
losing our right to enforce them in the future- If any of the terms of this agreement
are found to be unenforceable, all other terms will remain in full force.
ASSIGNMENT
We may assign your account„ any amounts you owe us, or any of our rights and
obligations underthis agreement to a third party. The person to whom we make the
assignment will be entitled to any of our rights that we assign to that person.
GOVERNING LAW
THE TERMS AND ENFORCEMENT OFTHIS AGREEMENTAND YOUR 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 ACCOUNTARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE
THE ACCOUNT.
FOR INFORMATION
Please tail the Cardmember Service telephone number on your card or billing
statement if you have any questions about your account or this agreement.
YOUR BILLING RIGHTS
Keep This Notice For Future Use
This notice contains important information aboutyour rights and our responsibilities
under the Fair Credit Billing Act.
Notify Us In Case Of Errors Or Ouestions Aboat Your Bill
If you think your bill is wrong, or if you need more information about a transaction
on your bill, write us on a separate sheet atthe Cardmember Service address shown
on your billing statement. Write to us as soon as possible. We must hear from you
no later than 60 days after we sent you the first bill on which the error or problem
appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If you
need more information, describe the item you are not sure about.
If you have authorized us to pay your credit card bill automatically from your savings
or checking account, you can stop the payment on any amount you think is wrong.
To stop the payment your letter must reach us at least three business days before
the automatic payment is scheduled to occur.
Your Rights And Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the
error by then. Within 90 days, we must either correct the error or explain why we
believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or
report you as delinquent. We can continue to bill you for the amount you question,
including finance charges, and we can apply any unpaid amount againstyour credit
line. You do not have to pay any questioned amount while we are investigating, but
you are still obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any finance
charges related to any questioned amount. If we didn't make a mistake, you may
have to pay finance charges, and you will have to make up any missed payments on
the questioned amount. In either case, we will send you a statement of the amount
you owe and the date that it is due.
If you fail to paythe amountthat we thinkyou owe, we may report you as delinquent.
However, if our explanation does not satisfy you and you write to us within 10 days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about yourbill. And, we must tell you the name of anyone we reported
you to. We must tell anyone we report you to that the matter has been settled between
us when it finally is.
If we don't follow these rules, we can't collect the first S50.00 of the questioned
amount, even if your bill was correct.
Special Rules for Credit Card Purchases
Page 4 of 6 CMA15075
If you have a problem with the quality of property or services that you purchased with a
'credit card, and you have tried in good faith to correct the problem with the merchant,
you may have the right not to pay the remaining amount due on the property or services.
This right does not apply to check transactions. There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your home state,
within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the merchant, orif we mailed you the
advertisement for the property or services.
Copyright 02007 JPMorgan Chase & Co. All rights reserved.
Page 5 of 6 CMA15075
RATES AND FEES TABLE
'(This table may also be referred to as the Table of Interest Charges)
Rates (APR means Annual Percemaae Rate)
Introductory APR
0% fixed APR (0% daily periodic rate) on balance transfers and balance transfer checks
until the first day of your billing cycle that includes March 1, 2006 (the "Introductory
Period")
Purchase APR
19.99% fixed APR (0.05477% daily periodic rate)
Balance Transfer/Balance Transfer Check APR after the Introductory Period
19.99% foxed APR (0.05477% daily periodic rate)
Cash Advance/Cash Advance Check APR
The Prime Rate' plus 19.99%, currently 28.24% (0.07137% daily periodic rate)
Default APR
The Prime Rate' plus up to 23.99%, currently 32.24% (0.08833% daily periodic rate)
Overdraft Advance APR
13.99% fixed APR 10.03833% daily periodic rate)
" Estimated variable APRs above are based on the 8.25% Prime Rate as of March 21, 2007.
Fees and Finance Charges
ATM Cash Advance Fee -- Finance Charge
3% of transaction (minimum fee of $10.00)
Non-ATM Cash Advance / Cash Advance Chock Fee -- Finance Charge
3% of transaction (minimum fee of $10.00)
Balance Transfer Fee -- Finance Charge
3% of transaction (minimum fee of $5.00 and maximum of $75,001
Balance Transfer Check Fee •- Finance Charge
3% of transaction (minimum fee of $5.00 and maximum of $75.00)
Minimum Periodic Finance Charge $1.00
(if any periodic finance charge is payable for a billing cycle)
Annual Membership Fee None
Late Fees:
$15.00 if the balance is up to, but not including $250.00;
$39.00 if the balance is $250.00 and over
Overlimit Fee $35.00
Return Payment Fee $35.00
Return Check Fee $35.00
Administrative Fees:
Copy of Billing Statement or other record 55.00
Page 6 of 6 CMA15075
Exhibit
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE 0
$7,048.04 06/11/07 $0.00 $140.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304520591800014000007048040000001
51627BEXZ 14207D IrrrIILlrJirLlril,rllrrrlrlrrrrllrlrlrrrlliil,l„rllrrllrJ
STEWART K RHODES
213 E MAIN ST CARDMEMBER SERVICE
CAMP HILL PA 17011-6315 PO BOX 15153
WILMINGTON DE 19886-5153
Irrrllli11111rrriirllrrilLllrrrilLrrrll,Irlr,,,ILrILr,illl
4 5000 160 281: 209 3045 20 59 18011'
Opening/Closing Date: 04/23/07 - 05/22/07 CUSTOMER SERVICE
CHASE 0
n 06/1
Mi
imum Payment Due: $1
40.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1.800-436-7958
Outside U.S. call collect
1302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918
ACCOUNT INQUIRIES
Previous Balance $0.00 Total Credit Line $12,200 P.O. Box 15298
Purchases, Cash, Debits +$7,048.04 Available Credit $5,151 Wilmington, DE 19850-5298
New Balance $7,048.04 Cash Access Line $2,440
Available for Cash $2,440 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.corri/creditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
04/30 21200008242666666661080 BALANCE TRANSFER $849.12
04/30 21200008243666666661081 BALANCE TRANSFER 441.82
04/30 21200008244666666661082 BALANCE TRANSFER 5,757.10
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00
Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00
Promotional summary .00000% 0.00% $5,589.82 $0.00 $0.00 $0.00 $0.00
Total finance charges $0.00
Effective Annual Percentage Rate (APR): 0.00%
Please see Information About Your Account section for balance computation method, grace period, and other importan t information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Enjoy low web rates, special offers and a discount too when
you identify yourself as a Chase Cardmember by using
this code: CDP# 374210 at hertz.com.
Save on appliances, MP3 Players, toys, and more at Shoppers
Advantage. Earn cash-back rewards on eligible purchases in
addition to the low prices. Get details at www. Shoppers
Advantage.com/Chase, where you'll be identified as a Chase
Cardmember eligible for this special Trilegiant offer.
Whether you intend to stay in your home or buy a new home,
we offer a variety of mortgage products to meet your needs.
Call 1-866-836-8335 or visit www.chase.com/chasehomeloan for
details. Loans are subject to credit and property approval.
Certain other restrictions and limitations may apply.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 0 9 000 N Z 22 07/05/22 Page i of1 05686 MAMA 51627 14210000090005162701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ----------------------
-1
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: Fcr payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and in ust be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for paym ents on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local fine at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is rot sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus, Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of die date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"U" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day, We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicabla daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together.. the
total will also equal the periodic finance charges for the billing cycle, except
for minorvariabons due to rounding. To get yourtotal periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle it we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances check transactions. or
overdraft advances.
In addition, if them is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However. if your statement shows that a minimum payment
is due, we in ust receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." It a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information,
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services thatyou purchased with a credit card (excluding
purchases made with a check). and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than S50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if the own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6530 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$6,908.04 07/12/07 $0.00 $138.00
Make your cheek payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304520591600013800006908040000000
96712BEXZ 173070 Irr,III,LrLrLlydrdlrrrLlrrrrlLlrlrrrllrrlrlr,rllrrlLrl
STEWART K RHODES
213 E MAIN ST CARDMEMBER SERVICE
CAMP HILL PA 17011-6315 PO BOX 15153
WILMINGTON DE 19886-5153
Irrrlll,rJllr,rrrJlrrrllrlLrrrllrrrrlLlrlrrrrllrrlLrrrlll
1: 5000 L P30281: 209 30 4 5 20 59 L8 011¦
Opening/Closing Date: 05/23/07 - 06/22/07 CUSTOMER SERVICE
CHASE Payment Due Date: 07/12/07 In U.S. 1-800-945-2000
Minimum Payment Due: $138.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918 1-302-594-8200
Previous Balance $7,048.04
Total Credit Line ACCOUNT INQUIRIES
$12
200
Payment, Credits -$140.00 Available Credit .
P.O. Box 15298
$5
291
New Balance $6,908.04 Cash Access Line ,
Wilmington, DE 19850-5298
$2,440
Available for Cash $2,440 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com Icreditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
06/09 11601600200000244070962 Payment Thank You Electronic Chk $140.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00
Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00
Promotional summary .00000% 0.00% $6,984.81 $0.00 $0.00 $0.00 $0.00
Total finance charges
$0.00
Effective Annual Percentage Rate (APR): 0.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Get unlimited local & long distance calling for $24.99 per
month! Try Vonage for 1 Month FREE! Call 1-800-580-5569 or
Visit www.vonage.com/hearl0. Vonage 911 operates differently
-See www.vonage.com/911. Additional fees & restrictions
apply. By responding I confirm that I am a Chase customer.
Save on everything for your home: shopping, repairs,
renovation, & more. Learn more at
www.completehome.com/Chase, and you'll be identified as a
cardmember entitled to this great Trilegiant offer-which
includes a $20.00 Lowes Gift Card!
Have a High Deductible Health Plan? Take even more control
of your healthcare dollars with a Chase HSA! Save on
taxes, earn interest at an attractive rate, invest in your
future, and keep unused balances year over year. Learn more
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This Statement is a Facsimile - Not an original
x 0000001 FIS33335 D 9 000 N Z 22 07106/22 Page 1 of3 05686 MAMA 96712 17310000090009671201
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ------------
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated forpayments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 100 p.m.
local timeat our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular US. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors. or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P0. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other cddress, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you,aake should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your night to
make transactions on your account. If your account is dosed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e. g., balance transfer/convenience checks and cash advance
checks ('check transaction ). purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
'V next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges). subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
_1
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature. we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate([,) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due 'to rounding.
Grace Period (at least 20 days(:
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we m ust receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances,
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to tilling cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P0. Box 15299 Wilmington DE
19650-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us. but doing so will not preserve your rights.
In your letter, give us the following information,
Your name and account nurnber
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need mare information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While vie investigate your question. we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account. you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (csing the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with it credit card (excluding
purchases made with a check). and you have tried ii good faith to correct
the problem with the merchant. you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, o, if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,084.48 08/11107 $0.00 $167.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
CHASE O
I want to urchase optional
Paymen?Protector Plan'.
have read the enclosed offer
and may cancel any time.
rn tT't a??aie
540168304520591800016700007084485436439
51196 BEX Z 20307 D
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
Irrrlllrlrrlfr1.Ifrl,fll..rlrlfr??Ilrlrl...IIAJrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I-Ilinrlllnuullfrrllrlluullnnll?Irl.... Ilrrll.... III
45000 L 60 281: 209 304 5 20 59 L80II8
Opening/Closing Date: 06/23/07 - 07/22/07 CUSTOMER SERVICE
CHASE Payment Due Date: 08/11/07 In U.S. 1.800-945-2000
Minimum Payment Due: $167.00 Espanol 1.888-446-3308
TDO 1-800-955-8060
Pay by phone 1.800-436-7958
Outside U.S. call collect
1302-594-8200
ACCOUNT INQUIRIES
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4520 5918 P.O. Box 15298
Previous Balance $6,908.04 Total Credit Line $12,200 Wilmington, DE 19850-5298
Payment, Credits -$138.00 Available Credit $5,115 PAYMENT ADDRESS
Purchases, Cash, Debits +$256.52 Cash Access Line $2,440 P.O. Box 15153
Finance Charges +$57.92 Available for Cash $2,440 Wilmington, DE 19886-5153
New Balance $7,084.48
VISIT US AT:
www. chase. com/creditca rds
The promo rate expiration reflected on this statement is a result of a late payment made during
the promotional rate period on your account. For your convenience, you can always pay online
by accessing our website displayed on this statement.
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
07/05 55457377186281000133021 BASS PRO SHOPS MYRTLE BEACH SC $21.35
07105 55464947187207499500396 _
GENERAL STORE CC #5 MYRTLE BEACH SC 34.22
07/05 25411177187187018815007 FYE COLONIAL MALL 1190 MYRTLE BEACH SC 32.08
07/06 85504997189401870010123 DRAGONS LAIR MINI GOLF MYRTLE BEACH SC 25.02
07106 05444007188889936317419 JIM BUFF MARG RETAIL MYRTLE BEACH SC 78.10
07/05 25247807188012567065955 HAROLDS ON THE OCEAN NORTH MYRTLE SC 26.75
07113 LATE FEE 39.00
07/18 11991990200000245262983
FINANCE CHARGES Payment Thank You Electronic Chk 138.00
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02737% 9.99% $140.38 $1.16 $0.00 $OAO $1.16
Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0,00 $0.00
Balance transfer .02737% 9.99% $6,912.53 $56.76 $0.00 $0,00 $56.76
Total finance charges $57.92
Effective Annual Percentage Rate (APR): 9.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Brookstone offer: $15 off $80 purchases via web or phone.
Identify yourself as a Chase customer. Mention or enter code
CHASE at checkout. Visit Brookstone.com or call 800.926.7000
Not valid in stores. Excludes tax, shipping, gift cards,
Tempur-Pedic, Sony and Bose products. Expires 12/31/07.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 10 000 N Z 22 07107/22 Page tof3 05686 MAMA 51196 20310000100005119601
Address Charge Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ----------------------
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and in ust be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on cny day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 100 p.m.
local dmeat our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for tip to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P0. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g.. if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you. not cashing it or destroying I. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If mere is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance. or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, die beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related *,action, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for lie next day. (If more than one daily periodic
rate could apply based on the average dairy balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together. the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days:
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the dale and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as 'deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Eeors or Questions About Your Bill: If you mink your bill is
wrong, orif you need more information about a transaction onyour bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
It you need more information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have the protection only when
the purchase once was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MAD21207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,183.97 09/11/07 $167.00 $338.00
Make your check payable to Chase Card Services.
Amount Enclosed f $?JI New address or a-mail? Print on back.
540168304520591800033800007183970000000
44507 BEX Z 23407 D
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
CHASE O
Irrrlll1L.Lrlrl,rL.11..rlrlrrrrllrlrl,rrllrrlrlrrrllrrllrrl
Irr,IIIrrrlllrrrrrrllrrJlrllrrrrlLrrrlLLlrrrrllrrlLrrJll
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 160 28': 209 3045 20 59 18011•
Opening/Closing Date: 07/23/07 - 08/22/07 CUSTOMER SERVICE
CHASE O $/
Minimum Payment Due: 38.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4520 5918
ACCOUNT INQUIRIES
Previous Balance $7,084.48 Total Credit Line $12,200 R O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $5,016 Wilmington, DE 19850-5298
Finance Charges +$60.49 Cash Access Line $2,440
New Balance $7,183.97 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditrards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
08/12 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02737% 9.99% $272.59 $2.32 $0.00 $0.00 $2.32
Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02737% 9.99% $6,854.88 $58.17 $0.00 $0.00 $58.17
Total finance charges $60.49
Effective Annual Percentage Rate (APR): 9.99%
Please see Information About Your Account section for balance computation method, grace period, and other importan t information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X0000001 FI533335 D 9 000 N Z 22 07108/22 Page 1 of1 05686 MAMA 44507 23410000090004450701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
--
State.
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ----------------------
L
i
'
ss
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in die envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon. and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 P.M.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors. or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about ,,our account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (a g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual tee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is dosed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases. balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to &termine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance ie, treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicaole monthly periodic rate
and add the results together The total will equal the periodic finance charges
for the billing cycle. except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However. we do not charge periodic finance
charges on new purchases billed during a billing cyce if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest:" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further. if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong. or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
It you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call iusing the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services thatyou purchased with a credit card (excluding
purchases made with a check), and you have tried in goad faith to rorrect
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if vie own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$6,948.47 10/12/07 $0.00 $167.00
CHASE Q
Make your check payable to Chase Card Services. I want to purchase optional'
e Amount Enclosed New address or e-mail? Print on back. Payment Protector Plan.
I have read the enclosed offer
and may cancel any time.
ni to s Uate
540168304520591800016700006948475470821
89960 9EX Z 26507 D
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
Irlrlllrlrrlrrlrlrrlrrllrrllrtrrrrllrlrlrrrllrrlllrrrllrrllr.l
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Irrr1111rrIILrlrrrllrr.Il,IlrrrrlLrr11L111,1r111frll,rrrlll
t: 5000 i60 281: 209 3045 20 59 1,80110
Opening/Closing Date: 08/23107 - 09/22/07 CUSTOMER SERVICE
CHASE Payment Due Date: 10/12/07 In U.S. 1.800-945-2000
Minimum Payment Due: $167.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918
Previous Balance $7,183.97 Total Credit Line ACCOUNT INQUIRIES
$12,200 P .O. Box 15298
Payment, Credits -$334.00 Available Credit $5,251 Wilmington, DE 19850-5298
Purchases, Cash, Debits +$39.00 Cash Access Line $2,440
Finance Charges +$59.50 Available for Cash $2,440 PAYMENT ADDRESS
New Balance $6,948.47 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. conOcreditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
08/25 12372370200000270421043 Payment Thank You Electronic Chk $167.00
09/12 12552550200000292000667 Payment Thank You Electronic Chk 167.00
09/12 LATE FEE 39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02737% 9.99% $205.85 $1.75 $0.00 $0.00 $1.75
Cash advances V.06504% 23.74% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02737% 9.99% $6,805.36 $57.75 $0.00 $0.00 $57.75
Total finance charges $59.50
Effective Annual Percentage Rate (APR): 9.99%
Please see Information About Your Account section for balanca computation method, grace period, and other importan t information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Your 2007-2008 Privacy Notification is enclosed
for your record.
Save on appliances, MP3 Players, toys, and more at Shoppers
Advantage. Earn cash-back rewards on eligible purchases in
addition to the low prices. Get the details at www.Shoppers
Advantage.com/Chase, where you'll be identified as a Chase
cardmember eligible for this special Trilegiant offer.
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-0970
to create your PIN today.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D B 000 N Z 22 07/09/22 Page 1 of3 05686 MAMA 89960 26410000080008996001
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City ------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ------------
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and an List be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
in ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. It your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about /our account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement,
Notice About Electronic Check Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement. separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks ("check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date. the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
_1
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic ratE
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions. or
overdraft advances.
in addition, it there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However. tf yourstatement shows that a minimum payment
is due, we m ust receive at least that minimum payment by the date and time
specified on your statement, even it your New &tlance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as 'deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as scones
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default,
BILLING RIGHTS SUMMITRY
In Case of Errors or Questions About Your Bill: if you think your bill is
wrong, or if you need more information about a transaction on your bill. write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$6,848.24 11/16107 $0.00 $136.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Pnnt on back.
CHASE O
I want to purchase optional
Payment Protector Plan.'
I have read the enclosed offer
and may cancel any time.
m I-t-far-afe-
540168304520591800013600006848245492250
62390 BEX Z 29507 D
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
Ifrrlllrlrrlrrlrlrrlrrllrrr1.Irrrrllrlrlrrrllrrlrlrrrllrrllrrl
IrrrIILrJIIfr..r.Il,rrIlrllrrrrllrr,rlLlrLrrrlLJLrrrlll
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1: 5000 1,60281: 209 304 5 20 59 i8011a
Opening/Closing Date: 09!23/07 -10/22/07 CUSTOMER SERVICE
CHASE O Payment Due Date: 11116/07 In U.S. 1-800-945-2000
Minimum Payment Due: $136.00 Espanol 1.888-446-3308
TDD 1800-955-8060
Pay by phone 1.800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918
Previous Balance $6,948.47 Total Credit Line ACCOUNT INQUIRIES
$12,200 P .O. Box 15298
Payment, Credits -$167.00 Available Credit $5,351 Wilmington, DE 19850-5298
Purchases, Cash, Debits +$9.95 Cash Access Line $2,440
Finance Charges +$56.82 Available for Cash $2,440 PAYMENT ADDRESS
New Balance $6,848.24 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.corri/creditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
10/12 12852852945120513700007 PAYMENT -THANK YOU $167.00
10/12 74266852853467000026275 EPAY FEEWilmington DE 9.95
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02737% 9.99% $84.70 $0.70 $0.00 $0.00 $0.70
Cash advances V .06504% 23.74% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02737% 9.99% $6,833.77 $56.12 $0.00 $0.00 $56.12
Total finance charges $56.82
Effective Annual Percentage Rate (APR): 9.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED,
EFFECTIVE THIS MONTH. TO SELECT A PAYMENT DUE DATE THAT
WORKS BEST FOR YOU, PLEASE CALL CUSTOMER SERVICE.
TO PAY THE AMOUNT DUE, YOU CAN ACCESS OUR WEBSITE
DISPLAYED ON THIS STATEMENT, OR CALL US AT 1-800-436-7958.
Add additional authorized users to your account.
An additional card is emergency help for loved ones.
Stay on top of your account - monitor activity in real time,
online. Add additional authorized users by calling the
number on your statement or go to www.chase.com/creditcards.
Enjoy low web rates, special offers and a
discount too when you use your Chase/Hertz
CDP# 374210 at hertz.com.
NEW! Unlimited Internet access with PeoplePC Online for
only $4.97/month for 3 months then just $9.951month. Get all
the features you'd expect from the big guys! 1-877-778-1210.
Mention Offer Code: MSD992. This code identifies you as a
Chase customer. Or visit www.peoplepc.com/go/msdg92.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 9 000 N Z 22 07/10/22 Page 1 oft 05686 MAMA 62390 29510000090006239001
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ------------------
City: ------------------
State: --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mad Address: ------------------
f?
s
BONBONS
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular US. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
in ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window, the envelope cannot
contain more than one payment or coupon; and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked 'paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account, If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rateand its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions o r other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). fees are added either on the date of a related transaction, the
date they are pasted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If mom: than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily period a finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding, To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic mte
and add the results together. The total will equal the periodic finance charges
for the billing cycle, exceptfor minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section. pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances,
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further. if you default under the terms
of your Cardmember Agreement.. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared,
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information,
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question, While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check). and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than S50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$6,966.25 12/17107 $136.00 $323.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail'? Print on back.
540168304520591800032300006966250000007
95634 BEX Z 32607 D 11111111 111 1 1 1 11111111111I11111111111I1111111)1111111111111111
STEWART K RHODES
213 E MAIN ST CARDMEMBER SERVICE
CAMP HILL PA 17011-6315 PO BOX 15153
WILMINGTON DE 19886-5153
4 5000 i60 28i: 209 3045 20 59 i8011e
Opening/Closing Date: 10/23/07 - 11/22/07 CUSTOMER SERVICE
CHASE ®
n
e
Mi
imum Pay
nt Due: $323.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918
Previous Balance $6,848.24 Total Credit Line ACCOUNT INQUIRIES
$12,200 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $5,233 Wilmington, DE 19850-5298
Finance Charges +$79.01 Cash Access Line $2,440
New Balance $6,966.25 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. com lcreditca rds
The new APR and promotional rate expiration reflected on this statement is a result of a late
payment on your account. For your convenience, you can always pay online by accessing our
website displayed on this statement.
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
11/16 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .03696% 13.49% $31.01 $0.36 $0.00 $0.00 $0.36
Cash advances V .06436% 23.49% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V .03696% 13.49% $6,864.11 $78.65 $0.00 $0.00 $78.65
Total finance charges $79.01
Effective Annual Percentage Rate (APR): 13.49%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 6 000 N Z 22 07111122 Page 1 of 1 05686 MA MA 95634 32510000060009563401
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address: --------------------------
City. ------------
Stale: --
Zip: -----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address -_--_-__
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
= your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
? in ust be accompanied by the payment coupon in the envelope provided with
? our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to as at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases, balance transfers. cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmem ber Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions orother debits
(including fees, unpaid finance charges and other charges). subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to getthe beginning balance forthe next day. (If more than one dailyperiodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together the
total will also equal the periodic finance charges for the billing cycle. except
for m inor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, it there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if yourstatement shows that a minimum payment
is due, we must receive at least that minimum paymeit by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance, Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to yc ur account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Enroa or Questions About Your Bill: If you think your bill is
wrong, orif you need more information abouta transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared,
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if yo u can. why you believe there is an error
If you need more information describe the item yoo are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question, While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic myment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods orservices that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account: number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$7,179.22 01/16108 $323.00 $607.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail? Print on back.
540168304520591800060700007179220000008
95651 BEX Z 35607D Irl rlllr lrl lrrlrlr rlr rl lrr rl rlrrr rllrl rlrrrl lr rl rl rrrllrrllrrl
STEWART K RHODES
213 E MAIN ST CARDMEMBER SERVICE
CAMP HILL PA 17011-6315 PO BOX 15153
WILMINGTON DE 19886-5153
IrrrlllrrrllLrrrfrlLrrllJlrrrflLrfrllrLLrrrllrrllfrrrlll
I: 5000 1,60 281: 209 304 5 20S9 1801111
Opening/Closing Date: 1113107 - 1122107 CUSTOMER SERVICE
CHASE a Payment Due Date: 01/16/08 In U.S. 1-800-945-2000
Minimum Payment Due: $607.00 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number: 1-302-594-8200
5401 6830 4520 5918
Previous Balance
$6,966.25 Total Credit Line ,
ACCOUNT INQUIRIES
$7
400
Purchases, Cash, Debits +$39.00 Available Credit ,
P .O. Box 15298
$220
Finance Charges +$173.97 Cash Access Line Wilmington, DE '19850-5298
$1,480
New Balance $7,17922 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. com/creditcards
Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030
(collect 1-302-594-8200) today.
The new APR and promotional rate expiration reflected on this statement is a result of a late
payment on your account. For your convenience, you can always pay online by accessing our
website displayed on this statement.
TRANSACTIONS
Trans
Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
12/17 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08216% 29.99% $69.99 $1.73 $0.00 $0.00 $1.73
Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $6,987.70 $172.24 $0.00 $0.00 $172.24
Total finance charges $17197
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 0 8 000 N Z 22 07/12/22 Page 1 of1 05686 MA MA 95651 35510000080009565101
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: - - - - - - - - - - - - - - - - - -
--
State.
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address ----------------
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown an this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. I f yo ur payment is in accordance
with our payment instructions, but is made available to us after 100 P.M.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Efeetrenie Clock Conversion: When you provide a check as
payment. you a uthc ripe us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked 'paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e. g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases, balance transfers. cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"W next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice), Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together. the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicatde monthly periodic WE
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transactor, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balarce on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advani check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section. pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due, However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New &,Iance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date, Further, if you default under the terms
of your Cardmember Agreement. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at PO. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you oelieve there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of ycur bill that are not in
question. While we investigate your question. we cannot report you as
delinquent or take action to collect the amount you question, If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried n good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, er if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,403.57 02116/08 $607.00 $908.57
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail? Print on back.
54016830452059180009D857007403570000004
62189 BEx Z 02208 D
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
CHASE O
Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrl?rrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1-111-111 rrrr.rlLrrllrllunl1....1lrl,Irurllrrl1....III
1: 5000 L 60 281: 209 304 5 2 0 59 180110
Opening/Closing Date: 12/23/07 - 01/22/08 CUSTOMER SERVICE
CHASE Payment Due Date: 02/16/08 In U.S. 1-800-945-2000
Minimum Payment Due: $908.57 Espahol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 54016830 4520 5918
Previous Balance $7,179.22 Total Credit Line ACCOUNT INQUIRIES
$7,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$185.35 Cash Access Line $1,480
New Balance $7,403.57 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.oom/creditcards
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
01/16 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08216% 29.99% $112.26 $2.86 $0.00 $0.00 $2.86
Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $7,164.96 $182.49 $0.00 $0.00 $182.49
Total finance charges $185.35
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 8 000 N Z 22 08101/22 Page 1 of1 05686 MA MA 62189 02210000080006218901
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
State --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address-. ----------------------
-1
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we well credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the sama day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., it it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual rite is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we vnll continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases. balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
V' next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rateand its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in vfiich you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended
.
To get the daily balance for each day of the current billing cycle.. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature., we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together. the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However. we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further. if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong. or if you need more information about a transaction on your bill. write
Cardmember Service on a separate sheet at P.O. Bo): 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic, payment is scheduled
to occur.
Special Rule for Credit Card Porchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check). and you have tried n good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
' Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,633.68 03/18/08 $905.00 $1,444.68
Make your check payable to Chase Card Services.
Amount Enclosed $ _ New address or a-mail? Print on back.
540168304520591800144468007633680000009
02580 BEX Z 05308 0
STEWART K RHODES
213 E MAIN ST
CAMP HILL PA 17011-6315
CHASE O
Irrrlllrlrrlrrlrlrrlrrllr.flrl.rrfllrlrlrrrII.A.1 rrlLrllrhl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
LrrllLrrllLrr,rrlLrrlLlLrrJlfrrrllJJffrrllrrlLrhdll
I: 5000 L 60 281: 209 30 4 5 2 0 59 L8011¦
Opening/Closing Date: 01/23/08 - 02/22/08 CUSTOMER SERVICE
CHASE Payment Due Date: 03/18/08 In U.S. 1-800-945-2000
Minimum Payment Due: $1,444.68 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: 548 6830 4520 5918
Previous Balance $7,403.57 Total Credit Line ACCOUNT INQUIRIES
$7,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$191.11 Cash Access Line $1,480
New Balance $7,633.68 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. com,fcreditcards
You haven't made the required payments and your credit card account is 90 days past due. As
a result, your credit bureau may be updated with a negative rating. Please send your payment
immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
02117 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $153.38 $3.91 $0.00 $0.00 $3.91
Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $7,349.72 $187.20 $0.00 $0.00 $187.20
Total finance charges $191.11
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 5 000 N Z 22 08/0222 Page 1 of 1 05606 MAMA 02580 05310000050000258001
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ______________________
City : ------------------
--
State.
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ---------------------_
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution, Do not send
cash. Write your account number on your check or money order. Payments
ii must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
: contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular US. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . It you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this strtement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P0. Box 15049,
Wilmington, DE 19850-5049. We reserve all our rights regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notity us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full, Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances) These calculations may
combine different categories with the same daily periodic rates. If there is a
`V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rateand its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are add^d either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature. we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However. we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance an your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, it there is a "Qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section. pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also. for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance, Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest." If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further. it you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us. but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While vie investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic: payment is scheduled
to occur
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
" Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,892.08 04/16/08 $1,211.00 $2,001.08
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a-mail? Print on back.
540168304520591800200108007892080000004
08151 BEX Z 08208 D
STEWART K RHODES
213EMAIN ST
CAMP HILL PA 17011-6315
L,rIILrr1111rr.,rllrrrllr111rrrlLr,rII,IJ1r.JLrllrrrrlll
CHASE 0
Irrrlllrlrrl,rlrlr,Irrllrrrlrlrrlrllrlrlrrrllrrlrlrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 L 60 281: 209 304 5 20 5 9 18011•
Opening/Closing Date:
CHASE O Payment Due Date:
Minimum Payment Due:
MASTERCARD CARD SUMMARY
02/23/08 - 03122/08 CUSTOMER SERVICE
04/16/08 In U.S. 1-800-945-2000
$2,001.08 Espafiol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
Account Number: 5401 6830 4520 5918
Previous Balance
$7,633.68
Total Credit Line
$7,400 ACCOUNT INQUIRIES
P.O. Box 15298
Purchases, Cash, Debits +$78.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$180.40 Cash Access Line $1,480
New Balance $7,892.08 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase. com Icreditca rds
Ifs not too late to resolve the outstanding balance on your credit card account. We have a
variety of payment o Ions that may be right for you. Call 1-888-792-7547 (collect
1-302-594-8200) today.
TRANSACTIONS
Trans Amouni
Date Reference Number Merchant Name or Transaction Description Credit Debit
03/18 _ LATE FEE $39.00
02/24 OVERLIMIT FEE - 39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08011% 29.24% $233.85 $5.44 $0.00 $0.00 $5.44
Cash advances V .08011 % 29.24% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V .08011 % 29.24% $7,530.85 $174.96 $0.00 $0.00 $174.96
Total finance charges
$180.40
Effective Annual Percentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 D 6 000 N Z 22 08103122 Page 1 oft 05686 MAMA 08151 08110000060000815101
X
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ----------------------
City: ------------------
--
State.
Zip: ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail most comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day. If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar natation, or that you otherwise tender in full satisfaction
of a disputed amount, me:st be sent to Card Services, P.O. Box 15049,
Wilmington, DE 1"850-5049. We reserve all our right regarding these
payments (e.g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account. If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e. g.. balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If mere is a
'V" next to a periodic rate on this statement, that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended
.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges). subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice), Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature:, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day. We then add these periodic finance charges to your daily balance
to get the beginning balance for the next day. (If m ore than one daily pimodi c
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, vie add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these result, by the number of days
in the applicable billing cycle(s), and then add all of the results together. the
total will also equal the periodic finance charges for the billing cycle, except
for minorvariations due to rounding. To get yourtotal periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However. we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, it there is a "Qualifying Promotional Financing" sachem on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by tie applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further. if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill. write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check). and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than S50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or it we mailed you the
advertisement for the property or services.
MA021207
• Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$8,169.65 C5/17/08 $1,509.00 $2,598.65
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
540168304520591800259865008169650000009
60589 BEXZ 113080 ?gr111r1u1..I11nIn11n11 r1uu11rl rlnr11u1rInr11n11..1
STEWART K RHODES
213 E MAIN ST CARDMEMBER SERVICE
CAMP HILL PA 17011-6315 PO BOX 15153
WILMINGTON DE 19886-5153
h.1111111111.....1111..IIrIIr..11L.. JLIJ....111111x..1111
I: 5000 160 28i: 209 304 5 20 59 i8011a
Opening/Closing Date: 03/23/08 - 04/22/08 CUSTOMER SERVICE
CHASE O
in
M
imum Payment Due: $2,598.65 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD CARD SUMMARY Account Number. 5401 6830 4520 5918
ACCOUNT INQUIRIES
Previous Balance $7,892.08 Total Credit Line $7,400 P.O. Box 15298
Purchases, Cash, Debits +$78.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$199.57 Cash Access Line $1,480
New Balance $8,169.65 Available for Cash $0 PAYMENT ADDRESS
P.O.Box15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
04/16 LATE FEE $39.00
03/23 OVERLIMIT FEE 39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08011% 29.24% $321.95 $8.00 $0.00 $0.00 $8.00
Cash advances V .08011% 29.24% $0.00 $0.00 $0.00 $O.DO $0.00
Balance transfer V.08011% 29.24% $7,713.98 $191.57 $0.00 $0.00 $191.57
Total finance charges $199.57
Effective Annual Percentage Rate (APR): 29.24%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 0 10 000 N Z 22 08104122 Page 1 0/1 05686 MAMA 60589 11310000100006058901
X
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address. ---------------------_
City ----------------
State --
Zip: ----- ----
Home Phone: --- --- ----
Work Phone. _-- --- _---
E-mail Address: ----------------
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card iminediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least your
minimum payment due to our post office box designated for payments shown
on this statement. Your payments by mail must comply with the instructions
on this statement, and must be made by check or money order, payable in
U.S. Dollars. and drawn on or payable through a U.S. financial institution or
the U.S. branch of a foreign financial institution. Do not send cash. Write your
account number on your check or money order. Payments must be
accompanied by the payment coupon in the envelope provided with our
address visible through the envelope window: the envelope cannot contain
more than one payment or coupon: and there can be no staples, paper clips,
tape or correspondence included with your payment. If your payment is in
accordance with our payment instructions and is made available to us on any
day except December 25 by 1:00 p.m. local time at our post office box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions, but is made available to us after 1:00 p.m. local time at our post
office box designated for payments on this statement, we will credit it to your
account as of the next day. If you do not follow our payment instructions or if
your payment is not sent by regular U.S. mail to our post office box
designated for payments, crediting of your payment maybe delayed for up to
5 days. Payments made electronically through our automated telephone
service, Customer Service advisors, or our web site will be subject to any
processing fimes disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report information
about your account to credit bureaus. Late payments, missed payments or
other defaults on your account may be reflected in your credit report. If you
think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing
statement. Notice About Electronic Check Conversion: When you provide a
check as payment, you authorize us either to use information from your check
to make a one-fine electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Paymaah: Any payment check or other form of payment that you
send us for less than the full balance due that is marked 'paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction of
a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington DE 19850-5049. We reserve all our rights regarding these
payments (e.g.. if it is determined there is no valid dispute or if any such check
is received at any other address, we may accept the check and you will still
owe any remaining balance). We may refuse to accept any such payment by
returning it to you. not cashing it or destroying it. All other payments that you
make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual fee
does not affect our rights to close youraccount and to Iimityour right to make
transactions on your account. If your account is dosed by you or us, we will
continue to charge the annual fee until you pay your outstanding balance in
full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ("check transaction'), purchases, balance transfers, cash advances,
promotional balances or overdraft advances). Please consult your
Cardmember Agreement for the features that are applicable to your card.
These calculations may combine different categories with the same daily
periodic rates. If there is a "Y' next to a periodic rate on this statement, that
rate may vary. and the index and margin used to determine that rate and its
corresponding APR are described in your Cardmember Agreement, as
amended. There isa minimum finance charge in any billing cycle in which you
owe any periodic finance charges, and a transaction finance charge for each
balance transfer, cash advance. or check transaction. in the amounts stated in
your Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature. add any new transactions or other debits
(including fees, unpaid finance charges and other charges). subtract any
payments or credits, and make other adjustments. Transactions are added as
of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date of
our choice). Fees are added either an the date of a related transaction, the date
they are posted to your account. or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of zero. If
a daily periodic rate applies to any feature, we multiply the daily balance by the
daily periodic rate to get your periodic finance charges for that day. We then
_1
add these periodic finance charges to your daily balance to get the beginning
balance for the next day. (If more than one daily periodic rate could apply
based on the average daily balance, we will use the dairy periodic rate that
applies for the average dairy balance amount at the end of the billing cycle to
calculate the dairy periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of one results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at last 20 days): We accrue periodic finance charges on a
transaction, fee, or finance charge from the date it is added to your daily
balance until payment in full is received on your account. However, we do not
charge periodic finance charges on new purchases billed during a billing cycle
if we receive both payment of your New Balance on your current statement by
the date and time your payment is due and also payment of your New Balance
on your previous statement by the date and time your payment was due.
There is no grace period for balance transfers, cash advances, check
transactions, or overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on this
statement. you will not incur periodic finance charges on any Remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. However if you default under the terms of your
Cardmember Agreement or any Qualifying Promotional Financing offer, the
applicable periodic finance charges will accrue on any Remaining Balance as
soon as the billing cycle in which the default occurs. fo avoid finance charges
on new purchases when your New Balance includes any Remaining
Balance(s) in the Qualifying Promotional Financing sectionr pay your full New
Balance minus the total of those Remaining Balance(s) by the date and time
your payment is due. However. if your statement shows that a minimum
payment is due, we must receive at least that minimum payment by the date
and time specified on your statement, even if your New Balance consists only
of Qualifying Promotional Financing balances.
For "deferred interest" Qualifying Promotional Financing, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
If a deferred interest Qualifying Promotional Financing balance is not paid in
full by the applicable Expiration Date, the deferred finance charges will be
added to your account as soon as the first day after the Expiration Date.
Further, if you default under the terms of your Cardmember Agreement. the
deferred finance charges will be added to your account as soon as the date of
default.
For "fixed payment' Qualifying Promotional Financing that permits you to pay
fora purchase in a designated number of payments, you will not have a grace
period for that balance as each payment includes a portion of the interest
owed over the repayment term for that purchase. However, you will have a
grace period on other new purchases as described above.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions Abut Your Bill: If you think your bill is wrong,
or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.0 Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights. In your letter
give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but
you are still obligated to pay the parts of your bill that are not in question.
While we investigate your question, we cannot report you as delinquent or
take action to collect the amount you question. If you have authorized us to
pay your credit card bill automatically from your savings or checking account.
you can stop the payment on any amount you think is wrong. To stop the
payment, your letter or call (using the Cardmember Service address or
telephone number shown on this statement) must reach us at least three
business days before the automatic payment is scheduled to occur.
Special Role for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith tc correct the
problem with the merchant, you may not have to pay the remaining amount
due on the goods or services. You have this protection only when the
purchase price was more than $50 and the purchase was made in your home
state or within 100 miles of your mailing address. These limitations do not
apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA030708
Statement for account number: 5401 6830 4520 5918
New Balance Payment Due Date Past Due Amount Minimum Payment
$8.405.71 06116/08 $1,829.00 $3,154.71
Make your check payable to Chase Card Services.
Amount Enclosed New address or e-mail? Print on back.
540168304520591800315471008405710000003
55331 BEX Z 14308 D
STEWART K RHODES
213EMAIN ST
CAMP HILL PA 17011-6315
CHASE O
I,rrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrlfrrlrl,rrllrrllrrl
Ir..IILrrIIL..,r,Ilrr?ILIIrr1rll,rrrllJrl,,,rllrrllrrr,lll
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 1,60 281: 20 9 30 4 5 20S9 18011-
Opening/Closing Date: 04/23/08 - 0122108 CUSTOMER SERVICE
0 Payment Due Date:
CHASE
06/16/08
In U.S. 1-800-945-2000
Minimum Payment Due: $3,154.71 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-302-594-8200
MASTERCARD CARD SUMMARY Account Number: 5401 6830 4520 5918
ACCOUNT INQUIRIES
Previous Balance $8,169.65 Total Credit Line $7,400 P.O. Box 15298
Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$197.06 Cash Access Line $1,480
New Balance $8,405.71 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditrards
The outstanding balance on your credit card account is scheduled to be written off as a bad debt
shortly. As a result, your credit bureau will be updated with a negative rating that could last for
up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect
1-302-594-8200).
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
05/18 LATE FEE $39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .07942% 28.99% $367.02 $8.74 $0.00 $0.00 $8.74
Cash advances V .07942% 28.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V .07942% 28.99% $7,903.91 $188.32 $0.00 $0.00 $188.32
Total finance charges $197.06
Effective Annual Percentage Rate (APR): 28.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 n 8 000 N Z 22 08105122 Page 1 of 1 05686 MAMA 55331 14310000080005533101
X INS13083
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: ---------------------_
City: ------------
State: --
Zip ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: ------------
Information About Your Account
Lost or Stolen Cants. Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement,
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least your
minimum payment due to our post office box designated for payments shown
on this statement. Your payments by mail must comply with the instructions
on this statement, and must be made by check or money order, payable in
U.S. Dollars. and drawn on or payable through a U.S. financial institution or
the U.S. branch of a foreign financial institution. Do not send cash. Write your
account number on your check or money order. Payments must be
accompanied by the payment coupon in the envelope provided with our
address visible through the envelope window; the envelope cannot contain
more than one payment or coupon, and there can be no staples, paper clips,
tape or correspondence included with your payment. If your payment is in
accordance with our payment instructions and is made available to us on any
day except December 25 by 1:00 p.m. local time at our post office box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions, but is made available to us after 1:00 p.m. local time at our post
office box designated for payments on this statement, we will credit it to your
account as of the next day. If you do not follow our payment instructions or if
your payment is not sent by regular U.S. mail to our post office box
designated for payments, crediting of your payment maybe delayed for up to
5 days. Payments made electronically through our automated telephone
service, Customer Service advisors, or our web site will be subject to any
processing times disclosed for those payments.
Account Inlerniation Reported to Credit Bureaus: We may report information
about your account to credit bureaus. Late payments, missed payments or
other defaults on your account may be reflected in your credit report. If you
think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing
statement. Notice About Electronic Check Conversion: When you provide a
check as payment, you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that you
send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or thatyou otherwise tender in full satisfaction of
a disputed amount, must be sent to Card Services, P0. Box 15049,
Wilmington. DE 16850-5049. We reserve all our rights regarding these
payments (e.g.. if it is determined there is no valid dispute or if any such check
is received at any other address, we may accept the check and you will still
owe any remaining balance). We may refuse to accept any such payment by
returning it to you. not cashing it or destroying it. All other payments that you
make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments. whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
vie mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual fee
does not affect our rights to close your account and to limit your right to make
transactions on your account. If your account is closed by you or us. we will
continue to charge the annual fee until you pay your outstanding balance in
full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement. separately for
each feature (e.g., balance transfer/convenience checks and cash advance
checks ('check transaction"), purchases, balance transfers, rash advances,
promotional balances or overdraft advances). Please consult your
Cardmember Agreement for the features that are applicable to your card.
These calculations may combine different categories with the same daily
periodic rates. If there is a "V' next to a periodic rate on this statement. that
rate may vary, and the index and margin used to determine that rate and its
corresponding APR are described in your Cardmember Agreement, as
amended. There is a minimum finance charge in any billing cycle in which you
owe any periodic finance charges, and a transaction finance charge for each
balance transfer cash advance, or check transaction. in the amounts stated in
your Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added as
of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date of
our choice). Fees are added either on the date of a related transaction, the date
they are posted to your account. or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of zero. If
a daily periodic rate applies to any feature, we multiply the daily balance by the
daily periodic rate to get your periodic finance charges for that day. We then
add these periodic finance charges to your dairy balance to get the beginning
balance for the next day. (If more than one daily periodic rate could apply
based on the average daily balance, we will use the dally periodic rate that
applies for the average daily balance amount at the end Ilia billing cycle to
calculate the dairy periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies. we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding, To get you r total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor vacations due to rounding.
Grace Period (at least 20 days): We accrue periodic finance charges on a
transaction, fee, or finance charge from the date it is added to your daily
balance until payment in full is received on your account. However we do not
charge periodic finance charges on new purchases billed during a billing cycle
if we receive both payment of your New Balance on your current statement by
the date and time your payment is due and also payment of your New Balance
on your previous statement by the date and time your payment was due,
There is no grace period for balance transfers. cash advances, check
transactions, or overdraft advances.
In addition, if there is a 'Qualifying Promotional Financing" section on this
statement. you will not incur periodic finance charges on any Remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. However, if you default under the terms of your
Cardmember Agreement or any Qualifying Promotional Financing offer the
applicable periodic finance charges will accrue on anyy Remaining Balance as
soon as the billing cycle in which the default occurs. To avoid finance charges
on new purchases when your New Balance includes any Remaining
Balance(s) in the Qualifying Promotional Financing section, pay your full New
Balance minus the total of those Remaining Balance(s) by the date and time
your payment is due. However. if your statement shows that a minimum
payment is due, we must receive at least that minimum payment by the date
and time specified on your statement. even if your New Balance consists only
of Qualifying Promotional Financing balances.
For 'deferred interest" Qualitying Promotional Financing, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
If a deferred interest Qualifying Promotional Financing balance is not paid in
full by the applicable Expiration Date, the deferred finance charges will be
added to your account as soon as the first day after the Expiration Date.
Further, if you default under the terms of your Cardmember Agreement. the
deferred finance charges will be added to your account. as soon as the date of
default
For "fixed payment" Qualifying Promotional Financing that permitsyou to pay
fora purchase in a designated number of payments, you will not have a grace
period for that balance as each payment includes a portion of the interest
owed over the repayment term for that purchase. However. you will have a
grace period on other new purchases as described above.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions Abut Yourgill: If you think your bill is wrong,
or if you need more information about a transaction on your bill. write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19650-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights. In your letter
give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but
you are still obligated to pay the parts of your bill that are not in question.
While we investigate your question, we cannot report. you as delinquent or
take action to collect the amount you question. If you have authorized us to
pay your credit card bill automatically from your savings or checking account,
you can stop the payment on any amount you think is wrong. To stop the
payment, your letter or call (using the Cardmember Service address or
telephone number shown on this statement) must reach us at least three
business days before the automatic payment is scheduled to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct the
problem with the merchant, you may not have to pay the remaining amount
due on the goods or services. You have this protection only when the
purchase price was more than $50 and the purchase was made in your home
state or within 100 miles of your mailing address. These limitatons do not
apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MAD30708
Exhibit
'I T A
ILL OF SALE,
Cie &Ak USA, .A.. erg' s for value moved ? p gm€ tu the terms and mad ons
Of Cm & Cod Amount Pmvb ?? dak d Drmii ber 3, 200.9 buoy Se11 Bad
Cry w&%, L9, by md Hugh I&I sn i podner Ford Propertft 1nt -at coot Inc
(` pumhosor"), i' omm tad amt -ondit Cad A mmt ehw. Agmmeot'), h try
ass? bff :eiv4 ofo:Film cres%?Oo Dato : F-Taesy 15, -wlo-all rights, t1a iulo? Of
fl r azad to,&m tws%jn reWvAg;j dWn or ev iden of debt &,scdb ' in YWWt I
Mftbx.of GV-zU 30091
mpxid ftfwos 5512%376,960,14
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Exhibit 1
CoBrand: CHASE BANK USA, N.A.
Account # 5401683045205918
Account Open Date: 4/23/07
Account Charge Off. 5/30/08
Last Payment Date: 10/12/07
Debtor Last Name: RHODES
Debtor First Name: STEWART
Debtor Address: 21 E. MAIN STREET
Debtor City: ; CAMP HILL
Debtor State: PA
Debtor Zip: 17011
Debtor SS#: none on file
Debtor Home Phone: 717-329-5996
Debtor Bus Phone:
Balance: $13,599.47
EXHIBIT A
BILL OF SALE
Turtle Creek Assets, Ltd:, by and through its general partner, Forward Properties
International, Inc. ("Seller"); for value received and pursuant to the terms and condition's of
the Credit Card Account Purchase Agreement between Seller and AMERICAN CREDIT
COLLECTIONS LLC. ("Purchaser"), hereby sells, conveys, transfers and assigns to
Purchaser, effective as of the File Creation Date of January 22,'2010, all rights, title and
interest of Seller in and to those certain accounts, receivables, judgments or evidences of
--- --debt deserib'ed-iir-E7diibit-Fattathed-fi eto-arTd-r?r mar-fre-re;o purposes (the
-- - -
"Accounts"):
Number of Accounts 979
Total Unpaid Balances $4,083,987:94
The Accounts sold hereby were purchased by Seller from CHASE BANK USA; N. A., a
national banking association ("Original Creditor") as evidenced by the Bill of Sale from
Original Creditor to Seller attached as Exhibit 2 hereto and made paint hereof for all
purposes.
This Bill of Sale is executed without recourse except as stated in the Credit Card Account
Purchase Agreement to which- this is an Exhibit, No other representation of or warranty of
title or enforceability is expressed or implied,
Turtle Creek Assets, Ltd., a Texas limited partnership
By: Forward Proprties Inteonal, Inc., its general partner
By:
Gordon" e; President
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
VS.
DEFENDANT
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
CIVIL DIVISION
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NO.: 10-7313
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CERTIFICATE OF SERVICE
I, Robert M. Cohen, Counsel for Plaintiff, hereby certifies that I have served a
true and correct copy of Complaint, by U.S. First Class Mail, postage prepaid, this date
shown below, to the following:
Date: 0
/ t I t
Stewart Rhodes
211 E. Main Street
Camp Hill, PA 17011
&L j )44
Robert M. Cohen, Esq.
P.O. Box 264
Taylor, PA 18517
PA ID 44551
In-House Counsel for
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
NO.: 10-7313
vs.
DEFENDANT
STEWART RHODES c-,
211 E. MAIN STREET_
Ma_i -r?
CAMP HILL, PA 17011, r*? r
r co
PRAECIPE TO ENTER DEFAULT JUDGMENT `-' -V
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ry- rl
TO THE PROTHONOTARY: y.
e, r'1
Please enter and index the judgment for American Credit & Collections, LLC against
Stewart Rhodes, in the amount of $11,595.16 plus legal interest from 02/01/2011. Default
Notice pursuant to PA. R.C.P. 237.1(A)(2) and proof of mailing of same is attached, and more
than ten (10) days has elapsed since service of same. Notice of Judgment to be given to all
parties pursuant to PA. R.C.P. 236.
i
Signature: /1
Address:
1
r
Attorney for;
Telephone:
Supreme Cot.
JUDGMENT
Robert M. Cohen, Esq.
P.O. Box 264
Taylor, PA 18517-0264
Plaintiff
570-207-3383 ext. 235
in ID: 44551
Now, this W-fh day of -JFj, 2014, judgment for American Credit & Collections, LLC, against
Stewart Rhodes, in the amount of $11,595.16, plus legal interest from today's date is hereby
entered and indexed in the judgment index. Notice of judgment to all parties is hereby given
pursuant to Pa. R.C.P. 236.
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UNITEDSTATES
POSTAL SERVICE* Certificate Of Mailing O ;t
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PS Form 3817, April 2007 PSN 7530-02-000-9065
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT & COLLECTIONS. LLC
P.Q. BOX 264
TAYLOR. PA 18517
vs.
NO.: 10-7313
COMPLAINT IN CIVIL ACTION
DEFENDANT
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
To: STEWART RHODES, DEFENDANT
r l
Date of Notice: January 13, 2011
IMPORTANT NOTICE
PURSUANT TO PA.R.C.P. NO. 237.1(A)(2)
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE
PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR
OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN (10) TEN DAYS
FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A
HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU
WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE
PERSONS AT A REDUCED FEE OR NO FEE.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
Signature: --& /"t__vk 6
ROBERT M. COHEN, ESQ.
Address: P.O. Box 264
Taylor, PA 1 85 1 7-0264
Attorney for: Plaintiff
Telephone: 866-760-6205 ext. 235
Supreme Court ID: 44551
f
THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
Plaintiff(s) File No.- 10-7313
VS. CIVIL ACTION
STEWART RHODES
211 E. MAIN STREET
CAMP HILL, PA 17011
Defendant(s)
AFFIDAVIT OF NON-MILITARY SERVICE
I, Robert M. Cohen, Esq., Attorney for Plaintiff, state that to the best of my
knowledge, information and belief, that the Defendant., STEWART RHODES is not in
the military service as defined in the Soldiers' & Sailors' Relief Act of 1940 and its
amendments thereto.
Plaintiff further says that the obligation sought to be enforced in this suit is not an
obligation against a surety, guarantor, endorser, or other person liable, primarily or
secondarily f a rty in the military service.
Dated:
RESP.VCTFULLY SUBMITTED,
r
ROBERT M. 'OHEN, ESQ.
ATTY ID#: 44551
In House Counsel for Plaintiff
PO Box 264, Taylor, PA 18517
(570) 207-3383 Ext 235
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
AMERICAN CREDIT &
COLLECTIONS, LLC
P.O. BOX 264
TAYLOR, PA 18517
DEFENDANT
STEWART RHODES
121 JOYA CIRCLE
HARRISBURG, PA 17112
NO.: 10-7313
•••••
c-)
C: • • -4 '
NOTICE OF DEPOSITION IN AID OF EXECUTION
Pursuant to Pennsylvania Rules of Civil Procedure 3117 and 4007.1, notice is hereby
given that on January 22, at 11:00 AM, at the law offices of James T. Mulligan, Jr., 1 Montage
Mountain Road, Suite A, Moosic, PA, your oral deposition will be taken for the purposes of
discovery in aid of execution.
You are directed to attend the deposition.
You are also directed to bring with you all documents in your possession, or to which you have
access, relating to the following:
1 Deeds for each property in which you have an interest if any kind (individually or jointly
with someone else).
2. All mortgages on all real estate in which you have an interest of any kind (individually or
jointly with someone else).
3. All amortization statements (schedule of mortgage payments) for each mortgage.
4. Bank statements from the last six months for all checking accounts, savings accounts,
certificate of deposits and statements or mailings from any brokerage firm, in which you
have an interest of any kind (individually or jointly with someone else).
5. All titles to vehicles in which you have an interest of any kind (individually or jointly
with someone else).
6. All documents of title for any assets you or your spouse own, including any mobile
home.
7. Your federal income tax returns for the last three (3) years.
8. All documents that show that money is owed to you by someone else.
9. All lists and documents showing inventory or stock in trade in any business that you may
operate, have operated, or intend to operate, whether individually or jointly with someone
else.
10. All documents showing or referring to any interest you have in any partnerships, giving
the name and address of your partners, the business of the partnership, and its business
address.
11. All receipts and documents showing all deposits of money with any escrow agent, credit
union, public utility company, landlord, or others.
12. All lists and documents showing machinery, fixtures, equipment, tools, and supplies used
in any business in which you have an interest of any kind (individually or jointly with
someone else).
13. All documents related to patents, copyrights, franchises, and other general intangibles in
which you have an interest of any kind (individually or jointly with someone else).
14. All lists and documents relating to government and corporate bonds and other negotiable
and non-negotiable instruments in which you have an interest of any kind (individually or
jointly with someone else).
15. All documents showing any debts owed to you or to any business in which you have any
interest.
16. All bills of exchange or promissory notes or obligations owed to you by others.
17. All annuities and insurance policies in which you have an interest of any kind
(individually or jointly with someone else).
18. All certificates or records of ownership of al bonds and stocks or any interest in
incorporated or unincorporated companies in which you may have an interest.
Dated:
Respectfully Submitted,
T. Mulligan, Jr., E
51794
ouse Counsel for Plaintiff
570-207-3383 (ext. 235)