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HomeMy WebLinkAbout11-1272IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC 8875 AERO DR SAN DIEGO CA 92123 VS. CYNTHIA DAUM 1037 OYSTER MILL RD CAMP HILL PA 17011 CIVIL ACTION Plaintiff : aot? 3 i:38 )0 NO: -2 9L Civic Te^411 Defendant : 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 to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 ggp'ob a? sys?r? State of PENNSYLVANIA COUNTY OF _ MIDLAND FUNDING LLC, Plaintiff -vs- COMPLAINT CYNTHIA DAUM, Defendant(s). 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to defendant's CHASE BANK USA N.A. account 5260210015646200 (MCM Number 8534657923) (hereinafter "the account"). 2. Upon information and belief, this action is based upon a credit agreement entered into between defendant(s) and the original credit grantor. 3. Upon information and belief, defendant(s) used or authorized the use of the credit account to obtain loans from the original credit grantor for the purpose of obtaining goods and/or services and/or cash advances. 4. Defendant(s) failed to make full payment of the amount owed on the account. 5. Upon information and belief, the last payment posted to the account on 2008-08-31. 6. The account shows that the defendant(s) owe(s) a balance of $8999.67. 7. Attached hereto, upon information and belief, is a true and correct copy of the dim agreement provided to plaintiff as either the actual agreement applicab efendant, or an exemplar of such agreement li able to 440unts clued b , AS K USA N.A.. By: for Plaintiff 8534657923 AFFINDEBT Iffililluill E10-3241 WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $8,999.67 plus costs of suit and any other relief as the Court deems just and appropriate. Edwin A. Abrahamsen & Assoc Michael F. Ratchford, Esquire Heather K. Woodruff, Esquir Attorney I.D. Nos.: 86285/2 78, 120 North Keyser Ave. Scranton, PA 18504 mratchford@eaa-law.co hoodruff@eaa-law.co Phone: 570-558-5510 Fax: 570-558-5511 Verification Jeannie Loehrer, being duly sworn (or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am authorized to make this verification on plaintiffs behalf. The facts set forth in the foregoing pleading are true and correct upon information and belief. DEC022010 Date STATE OF MINNESOTA COUNTY OF STEARNS Loehrer Signed and sworn to (or affirmed) before me on (Seal) Suzanne Lynn Dumonceaux ?.; . Notary Public-Minnesota My Comfrimion Expires jai, 31, 2015 PA38 Edwin A. Abrahamsen & Associates, P.C. DEC 0 2 Z010 by Jeannie Loehrer. otary Public My commission expires: 111111 10101111111 10111§11111 8534657923 AFFINDEBT E 10.3241 ?i ? Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,182.20 05123/07 $0.00 $2,366.20 Make your check payable to Chase Card Services. Amount Enclosed $ New address or *-mail? Print on back. 526021001564620000236620007182200000001 OD4546D(Z 11807D LrrIIIJrrLILLdrd64rld1hmhlldllrrNlLdr6rJlrrlLd CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 Ir.?IIIr1rI1Lr1r41111r111rrrIlllrrrlLrrrJdhmllJhl11r11111 I: S000 160 281: 4 3 i00 i S 646 2006ua IINN /Cloa!rg Date: 03/29/07 -04/26/07 CUSTOMER SERVICE Payment Due Date: CHASE 0&23107 In U.S. 1-800-945-2000 Minimum Payment Due: $2,368.20 Espaflol '14888-446-3308 TDD '1.800-955.8060 Pay by phone 14800-436-7958 Outside U.S. call Collect MASTERCARD ACCOUNT SUMMARY Account Number: 5280 2100 ISU 6200 1-302-594-8200 Previous Balance $7,168.38 Total Credit Line OOD ACCOUNT INQUIRIES Box 15298 Payment, Credits -$190.00 Available Credit $0 Wil DE 19850 529t1 Finance Charges +$183.82 Cash Access Line . $2,000 Now Balance 7,182.20 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE. 19886-5153 VISIT US AT: www.chese.cankradit W& TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/1911091090835736i32DDOW9 $190.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Pumchesas V.082117% 29.99% $7,158.15 $182.34 $0.00 $0.00 $182.34 Cash advances V.08217% 29.99% $58.02 $1.48 $0.00 $0.00 $1.48 Total finance charges $183.82 Effective Annual Pamentage Rate (APR): 29.99% Please see Intatnation About Your Account section for balance computation method, grace period, and otter important information. The Corresponding APR is the rate of interest you pry when you tarty a balance an any transaction category. The Effective APR represents your total finance charges - Including trstnadlon fees such as cash advance and balance tnmsfer fees - expressed as a percenfage. IMPORTANT NEWS Family 4 Pact: 4 Tickets to Stn Flags for just 99 Dollars! Now trough June 30, 2007, purchase 4 general admission tickets online to arty Six Flags Theme Park and pay just 99 Dollars. Log on to your account at Cchase.com to take advantage of this exclusive offer. This Statement is a Facsimile - Not an original X0000001 FIS33335 D 8 000 N Z 28 07AMM Page 1 d 1 05898 MAMA D0454 1171000DO00000OD46401 Address Change Request Please provide information below only If the address information on front is Incurred. Street Address: - ------- City: - ------- State: - Zip, -- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: - ---- L Infomntien Abed Your Account lost or Stoke Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from of your station ad. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Creifing of PayeneW: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the Instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon In the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 P.M. local time at our post office box designated for payments on Us statement, we will credit the payment to your account as of that day. If your payment ks in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post ofAce 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 tifanation Reported be 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 AherK Electronic Clink Conversion: When you provide a check as payment, you authorize us either to use information from your dark to make a onetime 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 ford transfer, funds may be withdrawn from your account as soon as the same day we wAWe your payment, and you will not receive your lack back from your financial Institution. Cal 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 to 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 retumkq it to you, not casting it or destroying it All other payments test you make should be sendto the appropriate payment eddress. Annul Ronei Mellor. If your account has an annual tee, 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 yo u notify us that you wish to close your account within 30 days of the date we mail your statement an which the annual fee is charged and at the some time, you pay your ouhtaWirg balance In full. Your payment of the annual fee does not affect our rights to dose your accountant! 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 Fiaaaea ClerpeK We calculate periodic finance charge, using the applicable periodic rata 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 ate on this statement, that ate may vary, and the Index and margin used to determine that ate 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 transter, cash advance, or check transaction, in the amounts stated in your Cardmenber Agreement as amended. To get the daily betance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debts (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 the check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the -1 date they are posted to your account, or the last day of the billing cycle This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily pedodic Mail 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, accept for minorvariations due to rohndN. To get yourtotal periodic finerroe 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 ate and add the results together. The total will equal the perlodic firma charges for the billing cycle. except for minor variations due to rounding. Brace Period (al lad 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance unfit 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 stOrrient by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and tine your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addita. It then Is a 'Qualifying Poo anal Fitnnaoin#" wilco on this sWSead, you will not incur periodic finance charges on any Remaining Balance thatappears in thatsodion 0 you pay that balance in full by the applicable Expiation 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 paymentis due. However, if your statement shows that a minimum payment is due, we must receive at local 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 no paid In full by the applicable Expiation Date, the deferred finance charges will be added to your account as soon as the first day after is Expiation Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finerce charges will be added to your account as soon as the date of default. BILLING RIGHTS SMMARY In Cue at Eros or Questions Aleut Year ON: If you think your bill is wrong, orif you need more information abouta transaction onyou bill, write Cardmember Service on a separate sheet at P.O. &c 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 80 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so wig 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 to error and explan, if you can, why you believe there is an error. If you need more information, describe the ism you are unsure about. You do not have to pay any amount in question wnile we am 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 coiled 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 latter or call (using to Cardmember Service address or telephone numbershown on this statement) must reach us at least three business days before the automntc payment is scheduled to occur. Spacial Rule for Credit Card Pordaac It you lave a problem with the gralilyof goods or services tat you purohesed 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 rat have to pay the remaining amount duce on the goods or services. You hove drds protection only when the purchase price was more then $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitatans do not apply if we own or operate the merchant or If we ma/ed you the advertisement for the property or services. MAD21207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,400.57 06/22/07 $184.00 $2,764.57 New address check e-mail? payable to on back. Card Services. Amount Enclosed 526021001564620000276457007400570000006 00015 BD(Z 14007 D 11111111111111111111111111111111111111111111111111111111111111 CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 111dILadIL1111dL1J1111111111d1111111J1111JJ11d1L1 1: 5000 160 281: 4 3 100 15646 20061' Operrillosrg Oats 17-1 CUSTOMER SERVICE O Payment Due Date: CHASE 06/22/07 In U.S. 1-800-945-201)0 Minimum Payment Due: $2,764.57 Espafld 1,4888-446-3308 TOD 1i-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call coiled 1' 30 2-594-SM MASTERCARD ACCOUNT SUMMARY Account Number: 5260 210015646200 Previous Balance $7,182.20 Total Credit Line ACCOUNT INQUIRIES $5,000 P Box 15296 O Purchases, Cash, Debits +$39.00 Available, Credit . . $0 Wilmington DE 19850-5298 Finance Charges +$179.37 Cash Access Line , $2,000 New Balance $7,400.57 Available for Cash $0 PAYMENT ADDRESS P.O. Box 151-10 Wilmington, DE 19886-5153 V181T US AT: wNV .chase.corNeredilcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05123 LATE FEE FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Dairy Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $7,216.76 $177.90 $0.00 $0.00 $177.90 Cash advances V.08217% 29.99% $59.49 $1.47 $0.00 $0.00 $1.47 Total finance charges $179.37 Effective Annual Percentage Rate (APR): 29.99% Please see Information Abort Your Account section far 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 tDtd 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 000W01 FIS33335 O 8 000 N Z 28 07MSM Pqp 1 011 05686 MAMA 60015 14810000080006601501 Address Charge Request Please provide infonmalon below only if the address information on front Is Incorrect. Street Address: City State: Zip. ----- ---- Home Phone: --- --- ---- Work Phone: E-mail Address: L Information Abed Your Acceaat Lear or Stoke 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 amrelops cannot contain more than one payment or coupon; and there can be no staples. paper dips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions. but is made available to us after 1:00 parr. local time at our post office box designated for payments on this statement. we will credit it to your account as of the nett day. If you do not follow our payment instructions or if your payment is not sem 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. Aeanet Iefomaulien Reported to Credit BorseaK 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 Cho Cardmember Service address Noted on your billing statement. Notice Alan Eleotro do CMgc Constrain: When you provide a deck as payment, you authorize us either to use imarmaton from your deck to make a one-time electronic fund transfer tram 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 recites 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. Coadiliseal Payetads: Any payment check or other form of payment that you send us for less ton the full balance due that Is marked "paid in full" or contains a similar notation, or that you otherwise ender in full satisfaction of a disputed amount, must be sat 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 army 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 casting it or destroying it. All other payments that you make should be sent to the appropriate payment address. Ansal RonoaeI NoNes: 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 ratify us that you wish to dose your account within 30 days of tie date we mail your statement an which the annual fee is charged and at is same time, you pay your outstanding balance In full. Your payment of the annual fee does not affect our it" to dose your account and to limit your fight to make transactions on youraccount If your account is closed by you or us. we will confine to charge the annual fee until you pay your outstanding balance In full and terminate your account relationship. FspoeeUa of Rana Chargso: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. Whalley for each feature (e.g., balance transkdcawenie ce checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). Those 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 tat note and its corrospoadli g APR are described in your Cardmember Agreement as amended. There Is a minimum finance large 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 gel the daily balance for each day of the current billing cycle, we take the begkmkag balance for each feature, add any new fransactons or other debits (including tees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Tnnactions are added as of tho transaction date, the beginning of the billing cycle in which they are posted to your account or a later den of our deice (accept that check transactions are added as of the des deposited by the payee or a later date of our choke). 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 he daily balance by the daily periodic rate to gat 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 bfling cycle when a daily periodic rate(s) apples, we add all of the duly periodic thence charges for all features. To determine an average daily balance, we add your dairy balances and divide by the number of the days in the applicable billing cycle(s) If you multiply the average dally balance tar each feature by to applicable dairy periodic rate, and then multiply each of tress 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 gal yourtotal periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average dely balance for each feature by the applicable monthly periodic rate awl add the results together. The total will equal the periodic finance charges for the bling cycle, except for minor variations due to rounding. Gnus Period (at last 20 do"): We accrue periodic financa 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 parodic 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. Is oddrda, if dram is a "Qualifying Pnmeloaal Rhoosiop' seolsa a this sttletuaat you will not incur periodic finance charges on any Remaining Balance thatappears in that section If you pay that balance in full by the applicable Expiation Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualfying 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 last 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 Oualilyng Promotional Financing balances.. periodic finance charges accrue during the promotional period but ae not added to your account balance. Instead, they accumulate from billing cycle to filling cycle. This is referred to as "deferred interest." If a deterred 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 to Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as won as the date of default. INIt NG RIGHTS SUMMARY In Case of Emaes or Questions Alert Year Mtl: It you mink your bill is wrong, or if you need more information about a transaction on you bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 198503299 as won as possible. We mutt hear from you no later than 80 days after we sent you the first bill on which the ever or problem appeared. You can telephone us, but doing w 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 reed more information, describe the ism 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 investgae your question, we cannot report you as delinquent or take action to tolled the amount you question. If you have autlrorized us to pay your credit card bill automatically from your savings or decking account, you can stop the payment on ary amount you think is wrong. To stop the payment, your letter or coil (using the Cardmember Service address or telephone number shown on this statement) must reach us at least twee business days before the automatic paym ant is scheduled to occur. Spacial Role for CnIH Card Panacea: If you have a problem with the quaiiy of goods or sen castatyou purchased wilh s 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 with 100 miles of your mailing address. These limitations do not apply It we own of opeeta the merchant or If we malty you the advartlaement for the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,630.66 07/23/07 $364.00 $3,186.66 Make your aleck payable to Chase Cant Services. Amount Encased $ Now address or to-mail? Print on beck. 526021001564620000318666007630660000002 70310 SEXZ 17MD 111111111 mlnlllnIu111, llllun1III III 11111,111u 11111111,1 CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 198865153 11111111111111111.IIL1111,11111L111111111L1111L111111111/1 l: 5000 L60 281: 4 3 i00 i 5646 200611• Olierill ? 7 CUSTOMER SERVICE 07 CHASE Payment Due Da O 07/2310 In U.S I4800 945 2000 Minimum Payment Due: . $3186.66 Espefid 'I-BBB-446.3308 TDD 1-800-9558080 Pay by phone '1400.436-7958 Outside U.S. cell Collect MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21801564 6200 1302 594-0200 Previous Balance $7,400.57 Total Credit Line 000 ACCOUNT INQUIRIES Box 15298 Purchases, Cash, Debits +$38.00 Available Credit DE 19850-5298 $0 Wilming DE: ton Finance Charges +$191.09 Cash Access Line , $2,000 New Balance $7,630.86 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE: 198865153 VISIT US AT: www.Chase.canlcredifcards Your credit card account is past due. Please send payment immediately. Cell 1-800-955-8030 (collect 1302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit FINANCE CHARGES Finance Charge Daily Periodic Rate Carresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rake Fee Fin Charge CHARGES Purchases V.08217% 29.99% $7,440.34 $189.53 $0.00 $0.00 $189.53 Cash advances V.08217% 29.99% $61.00 $1.56 $0.00 $0.00 $1.56 Taal finance charges $191.09 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 note of interest you pay when you tarty a balance on arty transaction category. The Effective APR represents your tad 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 F1633335 0 9 000 N Z 28 07AWB Pape 1 o11 05M MAMA 70310 17910000090007031001 Address Change Request Please provide information below only If the address inforrneNon on front is in correct. Street Address: City: -- State: -- Zip: --- Home Plane: --- Work Plane: --- E-mail Address: _- L Information Ahead Your Accoaat Lost or Stolen Carla 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. Croitel of Paynrords: For payments by regular U.S. mail. send at last 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 U5. 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. Wrote 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 emrelope cannot contain more Man one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m, local time at our post office box designated for payments on Misstatement, we will credit the payment to your account as of that day. I f your payment is in accordance with our payment instructors, but is made available to us after 1:00 pm. 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 it 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 thrives disclosed for those payments. Aaoeoot lalortrrUa Reported to Credit Buresa: 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 Abel Elm l , 1e 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 twelve your payment and you will not receive your check back from your financial Institution. Cal the customer service number on this statement 0 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 them 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 casting it or destroying it. All other payments that you make should be aerate the appropriate paymentaddress. Annual Renarl Unlike 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 nOtily us Met you wish to close your account within 30 days of the data we mail your statement on which the annual fee is charged and at the some time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make transactions on your account If your account is closed byyou or us, we will continue to charge the annual fee until you pay your outstanding balance In full and terminate your account relationship. Exrplaantlon of Fiance Cinanta: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately for each feature (e.g., balance transferfoamrerknoo 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 7 next to a periodic race on this statement. that rate may vary, and the index and margin used to determine that rate and is corresponding APR are described in your Cardmamber 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 featurs. add any new traaeceons or other debts (including feu, unpaid finance charges and other charges), subtract any payments or craft, 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 cheek transactions are added as of the dart deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily parodic rate to get your parodic finance charges for that day. We then add these periodic finance changes to your deity balance to gat the beginning balance forthe next day. (If more then one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rats that applies for the average daily balance amount at the end of the billing cycle to calculate the dally Periodic finance charge each day) To get your total periodic finance charge for a biding cycle when a daily periodic rate(s) apples, weadd all of the deity periodic finance charges forall features. To determine an average dairy balance, we add your day 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 dairy periodic rate, and then multiley each of these results by the number of days in the applicable billing cyde(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvaratons due to rounding. To gat yourtotel parodic finance charge for a billing cycle when a monthly parodic rate(s) applies, multiply the average deity 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_ Brace Period (at leap 20 dish We accrue periodic finance charges on a trainsaction, in. 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 paymentwas due. Thee is no grace period for balance transfers, cash advance,, check transactions. or overdraft advances. In ditaa. It these is a 'Oon iytq Promotional Houabg" station am ttls slal- 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 arry Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment Is due. However, it your statement shows that a minimum payment is due, we must receive at least the minimum payment by the date and tim e specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, forsome Qualifying Promotional Financing balances.. periodic finance charges accrue during the promotional period but are no 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 fug by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after lire Expiration Date. Further, if you default under the terms of your Cardmamber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Can of Enos or Gaostoa Abet You Bill: If you think your bill is wrong, or if 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 most hear from you no later than 80 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 fallowing information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe mere 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. It you have authorized us m pay your credit card bill automatically from yoursavings or checking account you can stop the payment on any amount you think is wrong. To stop the payment, your later or call ;using the Cardmembe Serviceaddress or telephone number shown on this statement) must reach us at lust three business days before the automatic payment is scheduled to occur. Spacial Role for Credit Coed Parhaox If you have a problem with the quality of goods or serv ces thatyou purchased within 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 hove 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 It we own or operate the merchant or if we mailed you the advertlsement or the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,860.23 08/22107 $556.OD $3,607.23 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on back. 526021001564620000360723007860230000003 05665 SEX Z 20607 D III III 11I 1111111I1doll 111111111111111411111 iii II II I I I I 11 1111 CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 lot 1116u1II/pill 1111111111111II W II Ill 116111161111 I11161 1: 5000 i60 281: 4 3 i00 i 5646 2006m Ill Date. 17-1 CUSTOMER SERVICE Payment Due Date: CHASE O OW=7 In U.S. 1.800-945.2000 Minimum Payment Due: $3,607.23 Espaffol 114888-446-3308 TDD 'I-800-955-8060 Pay by phone 'I-900-436-7958 Outside U.S. call collard 1-302-594-8200 ACCOUNT INQUIRIES MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21001564 6200 P.O. Box 15298 Previous Balance $7,630.66 Total Credit Line $5,000 Wilmington, DE: 19650,5296 Purchases, Cash, Debits +$39.00 Available Credit $0 PAYMENT ADDRESS Finance Charges +$190.57 Cash Access Una $2.OW P.O. Box 15153 New Balance $7,860.23 Available for Cash $0 Wilmington, DE: 19686-5153 VISIT US AT., cow v.Guse.caNcreditcards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purdmes. We can help you get tack on back. Call 1-800-955-8030 (tolled 1302-5948200) today. TRANSACTIONS Trans Amloud Dais Reference Number Merchant Name or Transaction Description Credit Debit 07123 LATE FEE $39M FINANCE CHARGES Finance Charge Daily Periodic Rete Comesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $7,667.54 $189.02 $0.00 $0.00 $189.02 Cash advances V.08217% 29.99% $62.56 $1.55 $0.00 $0.00 $1.55 Total finance charges $190.57 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 rare of Interest you pay when you carry a balance on any transaction category. The Effective APR represents you total finance charges - including banseciion fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 28 07!07128 Page 1 d 1 05686 MAMA 05665 20610000070000566501 Address Change Request Please provide information below only ff the address information on front is incorrect. Street Address: City: State: Zip. ----- - Horne Phone: --- --- Work Phone: --- --- E-mail Address: L Information About Year Account Lest or Stoke 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 ewer your account number. Creelitiy of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial Institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon and there can be no staples paper dips. tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on tills 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 pan. local time at our post office box designated for payments on this statement we will credit it to your amount as of the next day. U you do not follow our payment instructions or if your payment is not sent by regular U.S. mall to our post office box designated for payments, crediting of your payment may be delayed for tp, 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 MaeaaUea Rairoated to Credit Buses: 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 Eleehnfde Mack Conversion: When you provide a check as payment, you authorize us either to use information from your deekto make a oneilme 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 Payseots: Any payment check or other form of payment that you send a 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 reserved 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 casting it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Flageolet Noting: U 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 ran-refundable a lea you ratify us that you wish to dose your account within 30 days of the date we mail your sssment on which the annual fee is charged and at the some time, you pay your outstanding balance In full. Your payment of the annual fee does not affect our rights to dose your account and to limit your fight to make transactions on your account if your accotmt 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 Ffesnue 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). Those calculaliors may combine different categories with the same deity periodic rata. 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 Cardmmnber 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 fee, unpold finance charges and other charges), subtract any payments or craft. 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 des deposited by the payee or a later date of our choice). Feat 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 tiling cycle when a daily periodic rate(s) apples, we add all of the daily periodic Mance charges for all features. To determine an average daily balance, we add your dally 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 such 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 periodlc rate(s) applies, multiply the average daily balance for each feature by tie applicable monthly periodic met and add the results together. The total will equal the periodic finance charges for ft biting cycle. except for minor variations due to rounding. Grace period (at last 20 dogs): 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 dire and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, it then Is a 'Qalityiq Promotional flroul"" action an this sta1, at, you will not incur periodic finance charges on any Remaining Balance that appears in thatsection it 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 Oualilying 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 last that minimum payment by the date and fim e 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 Oualifydng Promotional Financing balance is not paid In full by the applicable Expiation Date, the deferred finance charges will be added to your amount 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 RIGHT$ SUMMARY In Cap of Eaors or Questions About Your OR: If you think your bill is wrong, or if you need more information about a transaction on you 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 80 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 a the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, If you cen, why you believe there Is an error. If you need more information. describe the ism 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 bit list are not in question. While we Investigate your question, we cannot report you as delinquent or take action to collect the amount you question. It you have authorized us to pay your credit card bill automatically from your savings or checking account, you can slop the payment on any amount you dlnk is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone numbershown on this statement) must reach us at last three business days before the automatic payment is scheduled to occur. Special Role fa Credit Card Purchases: If you have a problem with the quality of goods or services thstyou 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 riot 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 mated you the advardsernant for the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,102.17 09122/07 $747.00 $4,052.17 Make your check payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on beck. 526021001564620000405217008102170000002 66936 SEX Z 24007 D III 111111 In lIIIIII 11 11111111 1111111111111 In IIIII II Iloilo IIIIII CYNTHIA J DAUM 1039 OYSTER MILL RD CARDME BER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 198865153 III III LIIIIII II IIOILI dIIII IIILIIII IIIIJJIIIIdILIILLI 1:5000160281: 43 L00 15646 2006x' Openln'ing Date' 17-1111 CUSTOMER SERVICE O Payment Due Dale: CHASE 09/22/07 In U.S. 1.800.9452000 Minimum Payment Due: $4,052.17 Espatpd 14888-446-3308 TDD 'I-800-955.8060 Pay by phone 'I -800-436-7958 Outside U.S. call colW MASTERCARD ACCOUNT SUMMARY Account Number: 5260 2100 1564 6200 1J02-594-8200 Previous Balance $7.660.29 Total Credit Line $5,000 ACCOUNT INQUIRIES P Box 15296 O Purchases, Cash, Debits +$39.00 Available Credit . . $0 Wilmington DE. 19050-5298 Finance Charges +$202.94 Cash Access Line , $2,000 New Balance 10217 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilminglon, DE. 19886-5153 VISIT US AT: www.chase.corn/crei itemds You haven't made the required payments and your credit card accent is 90 days pest die. As e result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (coped 1-302594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 0822 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Camesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $7,902.56 $201.30 $0.00 $0.00 $201.30 Cash advances V.08217% 29.99% $64.15 $1.64 $0.00 $0.00 $1.64 Total finance charges $202.94 Effective Annual Percentage Rata (APR): 29.99% Please see IMormstion About Your Account section for balarice computation mettiod, 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 lkai finance charges - including trensection 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 9 000 N Z 28 07M28 Page 1 of 1 05688 MAMA 60836 2401000000000869MI Address Change Request Please provide infon netion below only if the address information on front is Incorrect. Street Address: - -_------------ City: State: Zip: Home Phone: Work Phone: E-mail Address: Intervention Abed Yoor Amend Led or Stoke Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from 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 at Paganish: For payments by regular U.S. mail. send at last 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. f nancial 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 most be accompanied by the payment coupon In the envelope provided with our address visible through the envelope window: the emrdope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement we will credit the payment to youraccount as of that day If your payment's 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 vdll be subject to any processing times disclosed for those payments. Asoosat lefonmtion Reloaded to Credit games: We may report information about your account to credit bureaus Late payments, missed payments or other delaults 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 Abel Efaeh'aaie Cleat Conversion: When you provide a check as payment youauthorize us eitherto use information from your deck to make a one4lme electronic fund transfer from your account or to process the payment as a chock 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 clack back from your financial Institution. Call tie customer service number on this statement it you have questions about dectronic check collection or do not want your payments collected electronically. Conditional Payrasd: 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 Can Services, P.O. Box 15049, Wilmington, DE 19850.5049. We reserve all our rights regarding these payments (e.g., 0 it is determined there is no valid dispute or if any such check is received at am other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by retuning it to you, not cashing it or destroying It. All other payments that you make should be send to the appropriate payment address. Aaawl RaneeRI Notice: N your account has an annual tea, 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 to is non-refundable mess 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 sane time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make transactions on your account If your account is closed byyou or us. we will continue to charge the anal fee until you pay your outstanding balance in full and terminate your account relationell. Explanation of Floom Charles: We calculate periodic finance charges, wing the applicable periodic rates shown on this statement seperetely for each feature (e.g., balance trasflar/comvaniase 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 Cardmamber 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 large for each balance transfer, cash advance, or check transaction, in the amounts sided in your Cardmariber 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 now transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or craft, and make other adjustments. Transactions are added as of the transaction date, tine beginning of the billing cycle in which they are posted to your account or a later dale of our choice (except that check transactions are added as of the date deposited by the pay" or a later dote of our choice). Fees are added either on the dais of a related transaction, the date they are posted to your account, or tie 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 des daily balance by the daily periodic rate to get your periodic finance charges for that day. We than add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more then 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 gat your told periodic finance charge for a tolling cycle when a daily periodic rak(e) apples, we add all of the dilly pedodic trance charges for all features. To determine an average daily balance, we add your dally balances and divide by the number of the days in the applicable billing cycle(s). It you multiply the average daily balance for each feature by the applicable dally periodic rate, and then multiply each of these results by the number of days in the afpicable billing oycei 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 doto rota di g. To get yourtotal periodic finance charge for a biting cycle when a monthly periodic rate(s) applies, mu" the average duly balance for each feature by the applicable monthly periodic rah and add the results together. The total will equal the periodic finance charges for the billing aide. except for minor variations due to rounding. Brae Period (at lad 20 days): We accrue periodic finance charges on a transaction, fee. or finance charge from the date it is added to your dairy balance unfit 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 data and time your payment was due. There is no grace period for balance trendere, cash advancea, check transactions, or overdraft advances. la addition, if tiam is a "Qualifying Pronatiend Fiwciq" sation on ins stdared, 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 actor, pay your full New Balance minus the total of those Remaining Balance(s) by the date and bane your payment is due. However, if your statement shows that a minimum payment is due, we must receive at last that minimum payrriont by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, forsome 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 Expiation Date, the deferred finsam charges will be added to your account as soon as the that day after the Expiration Date. Furlha, if you default under the arms of your Cammember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SQYYhRY In Core of Ends or Questions About Year INl• If you think your bill is wrong, or if you need more information abouta 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 80 days after we send 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 pans of your bit that are not in question. WNte 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 bit 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 ortdephone number shown on this stateri m List reach us at least three business days before the automatic payment is scheduled to occur. Special Rd for Credit Card Pendulum: 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 then $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply if we own or operate to merchant or it we mated you the advertisement for the property or services- MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minhrxan Payment $7,398.73 f 10/23/07 $0.00 $2,606.73 Amount Enclosed t$ Now adds oor "pay? able oCnnback. Card Services. CHASE O 526021001564620000260673007398730000009 89303 BDC Z 27107 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 1111111111111111111111111/111111111111111111111111111111111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE: 19886-5153 11.111111411,111111111111111111111111.1111LI1111Jd111L111 1:S000160281: 4 3 i00 i 5646 2006#• Openin'laarg Date. 1-11 CUSTOMER SERVICE O Payment Due Date: CHASE 10/23/07 In U.S. 1-800-9452000 Minimum Payment Due: $2,60673 Espeflol 1-888-446-3308 TDD 1-800-95548060 Pay by phone 14800-436-7958 Outside U.S. call collect MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21061564 6200 1-302-594-6200 Previous Balance $8,102.17 Taal Credit Line 000 ACCOUNT INQUIRIES $5 Payment, Credits -$950.00 Available Credit , P.D. ISM $0 Box Purchases, Cash, Debits +$39.00 Cash Access Line Vlililmington, DE: DE 19850-5298 $2.000 Finance Charges +$207.56 Available for Cash $0 PAYMENT ADDRESS New Balance $7,398.73 P.O. Box 15153 W#mington. DE: 19886-5153 VISIT US AM www.chase&My&reditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit ?= 09M LATE FEE 09127 12702700844509771400000 PAYMENT - THANK YOU 950.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accrrrndated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $8,083.25 $205.88 $0.00 $0.00 $205.88 Cash advances V.08216% 29.99% $65.81 $1.68 $0.00 $0.00 $1.68 Total finance charges $207.56 Effective Annual Percentage Rate (APR): 29.99% Please see Inforrrlation About Your Account section for balance computation nathod, grace period, and other irnio-ortont inforrnallon The Corresponding APR is the rate of interest you pay when you carry a balance an any transaction category. The Effective APR represents your total finance charges - inducting transaction fees such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS Your 2007-2008 Privacy Notification is enclosed for your record. This Statement is a Facsimile - Not an original X 0000001 FIS33336 D 9 0011 N Z 28 07M M Psm 1 of 1 05988 MAMA 89:103 27110000090008930301 Address Change Request Please provide intonation below only it the address information on front is incorrect. Bl• i= i i Street Address: City: State: Zip: ----- ---- Horne Phone: --- --- ---- Work Phone: E-mail Address: L lefomubes About Your Accaat Lost orStoMa Carle 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. Croliti-1 of Payaroofa: For payments by regular U.S. mail, send at last 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 chack 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 deck or money order. Payments in ust be accompanied by the payment coupon in Me envelope provided with our address visible through the envelope window; the emrelops carnet contain more than one payment or coupon; and there can be no staples, paper dips, 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 ou post office box designated for payments on Cis statement. we will credit the payment to your aeeennt as of that day. If your payment's 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. Assoaat lalennatiou Reported to Credit Bareaac We may report information about your account to credit bureaus Lae 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 cis at the Cardmember Service address listed on your billing statement. Notice Alep El A o it Cited Caomloor When you provide a check as payment youauthorize us eitherto use information from your deck 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 deck 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 you payments collected electronically. Conditional "sift: Any payment check or other form of payment Mat 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.. 0 it is determined there is no valid dispute or it any such check is received at any otter 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. Anal Reassal NMkc if your account has an annual fee, it will be billed each year or in morally Installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is ran-refundable unless you roily us that you wish to dose your account within 30 days of Me date we mail your statement on which the annual to is charged and at the same time, you pry your outstanding balance In full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make Immactiors 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 temkste your account ralabonshp. Eapaaalisa of fiaaa Clo rga: We calculate periodic finance charges, using the applicable periodic rata shown on this statement separately for each feature (e.g., balance rasfer/rnnvadeoe checks and cash advance checks ('chock transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the some 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 Codmember Ageannant. as amended. Thee is a minimum finance charge in any billing cycle in which you owe any penodic finance charges, and a transaction finance charge for each balance transfer. cash advance, or check transaction, in the amounts stated in your Cardmanber 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 dabHs (including fan, unpaid finance charges and other charges), subtract any payments or craft, and make other adjustments. Transactions are added as of the transaction date, the beginning of thebilling cycle in which they are posted to your account. or a later date of our cletce (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 trenactlon, the date they are posted to your account, or the last day of tie 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 gat your parodic finance charges for that day. We then add these periodic firence charges to your dairy balance to get the beginning balance for the next day. (If mere then one dally 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 of the billing cycle to calculate the daily periodic finance charge each day) To get you total periodic finance charge for a billing cycle when a daily periodic rate(s) apples, we add all of the dally periodic finance charges for all features. To determine an average daily balance, wa add your dally 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 than 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 parodic finance charges for the billing cycle, except forminorvarletionsduetoroun .To getyourtotal periodic finance charge for a billing cycle when a men y periodic rate(s) applies, multiply the average daily balance for each feature by the applicable man" periodic ate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Brace Periel(at load 28 lays): We accrue periodic finance charges on a transaction, fa, 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 ale date and time your payment is due and also payment of your New Balance on your previous statement by the date and tine your payment was due. There is no gate period for balance transfers, cash advances, check transactions. or overdraft advances. In ali6ou, if there is a "Qualifying Promedeat Fiauciog" seatiou on IMs sWameat, 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 Expiation Oae, To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing action, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment fs due. However, If your statement shows there minimum payment is due, we must receive at feast that minimum payment by the dam and tim e 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 Expiation Date, the deferred firance charges will be added to your account as soon as the first day after the Expiation Date. Further, if you default under the terms of your Cardmambar Agreement, the deferred finance charges will be added to your account as soon as the date of default. MWNQ mom SUMMARY In Case of Errors or Quanta Abed Year Mti: If you think your bill is wrong, or if you need more information abouta transaction on you bill, wnte Cordmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 198503299 as soon as possible. We must near from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can talephone 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 mom information, describe the item you are unsure about. You do not have to pay any amount in question wills we are investigating. but you are sail obligated to pay the parts of your bill mat are not in question. Mile we Investigate your question, we carrot report you as delinquent or take action to collect tine amount you question. If you have authorized us to pay your credit card bill automatically from your savings or decking account you can stop the payment on any amount you thank is wrong. To sop the payment, your letter or call (using the Cardmember Service address or telephone number shown on thus statement) must reach us at least three business days before the automalic payment is scheduled to occur. Special Rate for Credit Card PueMcmm: 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 two trot 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 of operate the merchant or If we mated you the advardsoment or the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,417.81 11/22/07 $0.00 $2,601.81 Amount Enclosed Make your check payable to Chase Cab Services. $ Now address or rmsll7 Print an beck. 526021001564620000260181007417810000004 75784 BDI Z 30107/ lu rlllllnlnl4lr rlrrllu 41411r4rllhlllr-hlltrlrlr4rllr411r41 CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 198865153 Lr11114.r111r4rrrrlLrr161rI11l,rrllrrr4rLIr411JrL4rl,lrl 1:5000 160 281: 4 3 100 15646 2006ta Openillosing CUSTOMER SERVICE X07 CHASE Payment Du Date O 1122107 In U.S. 1-600-945-2000 Minimum Payment Due: $2,601.81 Espafid •I-888-446-3308 TDD :4800-9568060 Pay by Phone 'I-800-436-7958 Outside U.S. call coiled MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21001564 6200 1-302-594-8200 Previous Balance $7,398.73 TOW Credit Line $5,000 ACCOUNT INQUIRIES 15298 Payment, Credits -$203.00 Available Credit DE DEi 19650-5298 Bmin(?on $D Wilmington Purchases, Cash, Debits +$39.00 Cash Access Line , , $2,000 Finance Charges +$183.08 Available for Cash $0 PAYMENT ADDRESS New Balance $7,417.81 P.O. Box 15153 Wilmington, DE: 19886.5153 VISIT US AT: H^ n' N'.t?lase.can/c tcards TRANSACTIONS Trans Amount Date Reference Number Merdtertt Name or Transaction Description Credit Debit V ill 1 PAYMENT K 10/23 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rafe Conesp. Average Daily Due To Transaction Accurnulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.082116% 29.99% $7,359.96 $181.41 $0.00 $0.00 $181.41 Cash advances V.08216% 29.99% $67.49 $1.67 $0.00 $0.00 $1.67 Total finance charges $183.08 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 O 7 000 N 2 28 07110rA Page 1 w 1 05686 MAMA 75784 30110000070007578101 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 lefomatioe Abed Your Accouet Last or Stoke Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from of your statement. Advisors are always available to mist you. You can reach an Advisor by pressing 0 after you enter your account number. CroOng of Payment ; For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon In the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples.. paper dips, tape or correspondence included with your payment 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 his statement. we will credit ate 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 ante at our post office box designated for payments on this statement we will credit it to your account as of be 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. Aesoost Internet a NgoRN to Credit Musi ss: We may report inforrnation 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 AYeot E* , , ', Check Consortia: When you provide a check as payment, you authorize us either to use information from your dheckto make a one-time electronic fund transfer from your account or to proem the payment as a check transaction. When we use information from your check to make an siachornle 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 duck back from your financial Institution. Call deg customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Psymeak: Any payment check or other farm of payment that you send us for leas 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 19950.5049. 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 dasiroying it All other payments that you make should be send to the appropriate payment address. Actual RssstaI Netke: N 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 blked. The annual fee is rhan-refoMeble odes; you to* us that you wish to doss your account within 30 days of the date we mail your statement on which the annual fee is charged and attire sane time. you pay your outstanding balance In full. Your payment of the annual fee does not affect our rights to dose your account and to limit your night 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 relationehip. Fxplaaatia of Finance Charges: We calculate perlodk finance charges, using the applicable periodic rates shown on this statement separately for each feature (e.g., balance tmrsfedconve iarce 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 N" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rateand Ns 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 penodc 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 begkning balance for each feature, add any new transactions or other debits (including tees, 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 data 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 kite 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 parodic finance charges for that day. We than 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 WU use the daily periodic rate that applies for the average daily balance amount at the aid of the billing cycle to calculate the daily periodic finance charge each day) To get your total periodic finance charge for a biking cycle when a daily periodic rate(3) applies, we add all of the daily pedodc 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 mulapty each of thm results by the mum bar 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 got your total periodic finance charge for a billing cycle when a monthly parodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rah and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Braes Period (al legal 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 fug is received on your account However, we do not charge periodic finance charges on new purctmses 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 adVences, check transactions, or overdraft advances. In adida, it there is a "Qualifying Promotional Fhaoill cocoon on INS Mosel you will not incur periodic finance charges on any Remaining Balance that appears in that section 0 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 shorts that a minimum payment is due, we must receive at least that minimum payment by the dote and fime specified on your statement, even If your New Balance consists only of Qualifying Promotional Financing balances. Also, forsome Oualiying 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 no 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 Cordmanber Agreement, the deferred finance charges will be added to your account as soon as the date of default. NWNG NIGHTS SUMMARY In Case at Entire or Qenot ees Aral Year NR: If you think your bill is wrong, or if you need more information abouta transaction on you bill, write Cardmember Service on a separate sheet at P.0. Boa 15299 Wilmington, DE 19850299 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 rah 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 beileve 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. Willis 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 cam bill automatically from yoursavings 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 shorn on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special link for Credit Card PaaMea: 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 laith 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 then $50 and the purchase was made in your home state or within 100 mites of your mailing address. Time limitations do riot apply if we own or operate the merchant or if we notified you the advertisement for the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,404.42 12123/07 $0.00 $2594.42 Amount Enclosed Make your cheek payable to Chase Cara Services. $ - New address or *-malt? Print on back. 526021001564620000259442007404420000003 73767 8DC Z 33207 D 1111111111) ll gills III Bill# 111111111111 oil I 1 1118111/111111111l l CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 111 JI111111111111 JI1111111 dI II11J 1111111d1111d J1111 d/1 I: S000160 281: 431001S611,6200611" Ope illb6ag Date. 117 111z8/o7 CUSTOMER SERVICE O Payment Due Date: CHASE 12/2=7 In U S 1-800.945-2000 Minimum Payment Due: . . $2,594.42 EspeM 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: 5260 2100 1564 6200 '1-302-594-8" Previous Balance $7,417.61 Total Credit Line ACCOUNT INQUIRIES $5'000 P O Box 15298 Payment, Credits 4203.00 Available Credit . . $0 Wilmington, DE: 19850-5298 Finuhce Charges +$189.61 Cash Access Line $2,000 New Balance $7,404.42 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 VWmington, DE: 19886-5153 VISIT US AT. www.chase.con 1creditr rds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11119 3 ou FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $7,375.02 $187.64 $0.00 $0.00 $187.84 Cash advances V.08216% 29.99% $69.20 $1.77 $0.00 $0.00 $1.77 Total finance charges $189.61 Effective Annual Percentage Rate (APR): 29.99% Please see Inforrnefion About You Account section for belance cornpulation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you tarty a balance on any tiarlsactlon category. The Effective APR represents your total finance ehmges - including transection fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0660001 FW3335 0 8 000 N Z 28 07111!18 Pepe 1 of 1 05888 MAMA 73767 33210000068067376701 Address Change Request Please provide infomrofion below only If fine address irdorrnetlon on front is incorrect. Street Address: City: State: Zip: Horne Phone: Work Phone: E-mail Address: L Information Atop Year Aseap Lod or Stoke 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. Crolitieg of Paymand : For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order.. payable in U.S. Dollars, and drawn on or payable through a U. S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructons, but is made available to us after 1:00 P.M. local time at our pod office box designated for payments on this statement we will credit it to your account as of Are 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 wab site will be subject to any processing times disclosed for those payments. Accoep Marionettes Reported to Credit Basta: 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 thank 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 Aloe Elagroeie Clock Conearroks When you provide a check as payment, you authorize us eltherto use information from your check to make a onetime 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 wlfi not receive your cheek 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 "pail 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 retuning It to you, not cashing it or destroying It All other payments that you make should be sent to the appropriate payment address. Annual Reeearol Nailer, 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 Mew yo u notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance In full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make transactions on youraccount If your account is closed byyou or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explasstles of Flasoe Chwon We calculate periodic finance charges. using the applicable periodic rates shown on this statement separately for each feature (e.g., balance transfer/co venimce checks and cash advance checks ("check transacdon" ). 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. Then is a minimum finance charge in any billing cycle in which you owns 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 gel the dally balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new tnreacbons or other debits (including fees, unpaid finance charges and other charges), subbed any payments or craft, and make other adjustments. Transactions are added as of the transaction data, the beginning of the billing cycle in which they are posted to your account or a later data of our choice (except that check transactions are added as of the den deposited by the payee or a later date of our choice). Fees are added either on the date of a related tranaactlon, 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 fine daily balance by the daily periodic rate to get your periodic finance charges for that day. We than add these periodic finance changes to your daily balance to get the beginning balance for the next day. (if mare than one dairy 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 rote(s) applies. we add all of the dally periodic finance charges for all features. To determine an average daily balance, we add your dairy balances and divide by the number of the days in the applicable billing cyde(s) If you multiply the average daily balance for each feature by to applicable daily periodic rate, and then multiply each of these results by the men bar 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 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 rah and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rourding. Ones Period (at lad 20 4ys): We accrue periodic finance charges on a transactkm, 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 9 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 pared for balance transfers, cash advances, check transactions, or overdraft advances. Is addliia, if then is a '05miryk0 Promotional Rsaeek0" se i a this swennent you will not incur periodic finance charges on any Remaining Balance that appears in transaction it 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 Qualffying Promotional Financing section, pay your fill New Balance minus the total of time Remaining Balance(s) by the date and time your paymentis due. However, if your statement shown that a minimum paymem is due, we must receive at least deal 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 Oualiying 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 xhurges will be added to your account as soon as the first day after the Expiration Cate. Further, if you default under the terms of your Cardmanber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SIM MMY In Case of Erore or Q iestone About Yell MI: If you think your bill is wrong, orif you nod more information abouta transaction on your bill, writs 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 80 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so wtfi 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 tolled the amount you question. If you have authorized us to pay your credit card bill automatically from your savings of checking account you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmemba Serviceaddress or telephone number shown on tis statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rate In Credit Card Pentium 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 mordant 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. Time limitations do not apply if we ova or operate the merchant or if we mailed you the advertisement for the property or services. MA021207 Statement for account number: 5260 21001564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,384.45 01/22/08 $0.00 $2,568.45 Makil r youraa check or or to- a-payable Pr to Chase Card Services. Amount Enclosed Now $ New addramail? il? Print on n back. 526021001564620000256845007384450000009 r4M SEX Z36207D CYNTHIA J DAUM 61rIILl,drJJrrlydLr111111111111111711intrl,n1611loll 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 198865153 Iffell loll III 1111r1II11 III 111Il II 111 11 11111 111111111111111 BigI 1:S000&60281: 4 3 i00 15646 2006ns Ole i lCldaang Date. 11!29/07 -12/28!07 CUSTOMER SERVICE O Payment Due Date: CHASE 0182108 In U.S. 1-800-945-2000 Minimum Payment Due: $2,568.45 Espatiol 1-888.4463308 TDD 'I-800-955-8060 Pay by phone 14800-436-7958 Outside U.S. call celled MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21001564 6200 1302-594-11200 Previous Balance $7,404.42 Total Credit Line 000 ACCOUNT INQUIRIES $5 Payment, Credits -$203.00 Available Credit , 15298 $0 Finance Charges +$183.1)3 Cash Access Line Wilmington, $2,000 ngton, DE: 198505298 New Balance $7,384.45 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wirnington, DE: 19886-5153 VISIT U8 AT: vnvw.chase.corNcreditards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 1 You FINANCE CHARGES Finance Charge Daily Periodic Rate Cortesp. 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% $7,354.42 $181.28 $0.00 $0.00 $181.28 Cash advances V.08216% 29.99% $70.97 $1.75 $0.00 $0.00 $1.75 Totalfinance charges $183.03 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 tarty a balance on any transaction category. The Effective APR represents your total finance Charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 D 7 000 N Z 28 07112M Page 1 of 1 05M MAMA 73869 3621000W7000736MI Address Charge Request Plasm provide information below only if the address information on front is income t. Street Address: - City: State: Zip: -- Home Phone: -- Work Phone: E-mail -- Address: Information AYod Your Accout Log or Stokes GMs: 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 most be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or Sae U.S. branch of a foreign financial Institution. Do not send cash. Write your account number on your check or money order. Payments mug 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 pan, local time at our post office box designated for payments on INS 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. Asoosd loformdia Reported to Credit Burnes: We may report information about your account to Credit bureaus Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement Notice Above Ekeetratie Cheek Communities: When you provide a check as payment, youauthodze us either to use informatkn from your dads to make a onetime 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 paymehL and you will not receive your deck 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 Payloads: Any payment check or otter form of payment that you send us for less than the full balance due to 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 la 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 retuning it to you, not cashing it or destroying It. All other payments that you make should be sent to the appropriate payment address. Appeal Russell Netter. 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 tee is ran-reftuhdable unless you ratty us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is darged and at the some time, you pay your outstanding balance In full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make transactions on your account If your account is closed by you or us. we will continue to charge the anual fee until you pay your outstanding balance in full and terminate your account relationship. Explastla of Fiume Caserta: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately for each feature (e.g., balance transfer/cohvenieme 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 rata. If there is a N" next to a periodic rate on this statement, ihet rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmernber Agreement, as amended. There is a minimum finance large in any billing cycle in when 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 got 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 adjustrrems. Transactios 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 arty feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic fate 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 biting cycle to calculate the daily periodic finance charge each day) To get your total periodic finance charge tar a billing cycle when a daily periodic rate(s) apples, we add all of the daily periodic finance charges for all features. To determine an average defy 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 tot each feature by the applicable daily periodic rate, and then multiply each of two results by the number of days in the applicable billing cycle(s), and then add all of to results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvariations 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 rats and add the results together. The total will equal the pedodic finance charges for the billing cycle, except for minor variations due to rounding. Orsee Period (d lead 20 qys): We soerve 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 now purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your paym ant was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. Is addition, if there is a "Qealifyfag Premetioal Fleaakeg" sestica on this $MONK 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 rust a minimum payment is due, we mud receive at least that minimum Wiant by the date and tun e specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Oualiying 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 refereed to as `deferred interes' 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 Cue of Enure or Question Alert Year MN: If you think your bill is wrong, or if you need more information about a transaction onyour bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 198503299 as soon as possible. We mud hear from you no later than 00 days after we sent you the first bill on which the en»r or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter, give us the fallowing information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, If you can, why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Wale we Investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us he pay your credit card bit automatically from your savings or attacking account, you can stop the payment on any amount you think is wrong. To stop the payment, your (eta or all ;using the Cardmember Service address or telephone number shown on this statement) en List reach a at least three business days before the automatic payment is scheduled to occur. Spatial Rate for Credit Card Pordne If you cave a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a chock), and you have tied in good faith to correct the problem with one mordant, you may not have to pay the remaining amount due on the goods or services. You have Less protection only when the purchase price was more than $50 and the puoiase 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 malted you the advertisement for the property or services. MA021207 Statement for account number: 5260 21001564 8200 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,614.10 02122108 $164.00 $298910 Make your check payable to Chase Cad Services. Amount Enclosed $ Now address or or e-mail? Print an lwJc. 526021001564620000298910007614100000002 50077 BOCZ 02MD LhdlldnlrhlrLrlrrlLrJrLhhrllddhhr111Jdhrrll,dLJ CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 I,hJllrrrlll,.r.rr111rr11rrdl1lhhrllrrrrrldrrlldJrrrlrbl t: S000 160 281: 4 3 100 1 564 6 2006fia op Du D Date: 12!29/07 /26106 - 01 CUSTOMER SERVICE C ST ecru/ e O Payment Due Date: CHASE 0222!08 1 600 945 2000 In U.S. Minimum Payment Due: $2 ,989 .10 Espafic 14084463308 TOD 1-800-955-0060 Pay by phone 1-600.4367958 Outside U.S. call coiled MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21001564 6200 i 302 Previous Balance $7,384.45 Total Credit Line $5,000 ACCOUNT 152 INQUIRIES Box 98 Purchases, Cash, Debits +$39.00 Available Credit DE Wilmington DE 19850-5290 ash Ac Finance Charges +$190.65 Cash Access Line , $2.000 New Balance $7,614.10 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE. 19866-5153 Vt81T US AT: www.chase.corNcreditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/22 CM FEE FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transedien Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.082116% 29.99% $7,412.24 $188.79 $0.00 $0.00 $188.79 Cash advances V.08216% 29.99% $72.77 $1.66 $0.00 $0.00 $1.86 Total finance charges $190.65 Effective Annual Percentage Rate (APR): 29."% Please we Information About Your Aceourd section fo 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 FIW33M D 10 000 N Z 28 08101128 Pepe 1 .1 1 05886 MAMA 56077 02810000100005607701 Address Change Request Please provide infomteNon below only If the address Information on front is incorrect. Street Address: City: State: Zip: Home Phone: Work Phone: E-mail Address: L lakrnrtea Ahead Year Aeoond Led or Stale Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from 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 Payarads: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial Institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement. we will credit tine 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 pin. local time at our post office box designated for payments on this statement we will credit it to your amount as of the nett day. U 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 sub(eet to any processing times disclosed for those payments. Asoesd lefonrrtfee Reported to Credit Boreass: We may report information about your account to credit bureaus. Late payments, missed payments or other dalaults 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. NNke Alyd Eleelrade Check Coaaerta: When you provide a check as payment, youauthor'ize us eitherto 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 wit not receive your check back from your financial Institution. Cell the customer service number on this statement 0 you have questions about electronic chick collection or do not want your payments collected electronically. CadiWaal Psyresh: 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., t 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. Aeasel Reaeerl Ndisa: If your account has an annual fee, it will be billed each year or in monthly installment. 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 dose your account within 30 days of the date we mail your statement on which the annual fee is charged and at the some time, you pry your outatandhng balance In full. Your payment of the annual fee does not affect our rights to dose your amount and to limit your fight 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. rand saton of Finew Charges: We calculate pe locile finance charges , using the applicable periodic rates shown on this statement separately for each feature (e.g., balance transfer/convismace 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 singe in any billing cycle In which you owe any periodic finnan charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts steed in your Cardmanber 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 fen, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the tmnsacdon data, the beginning of the billing cycle in which they are posted to your amount, or a later data 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 I date they are posted to your account, or the last day of the billing cycle. This gives us that days deity 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 than add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one dalyperiodic 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) apples, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cyde(s). and then add all of the reskdts together, the total will also equal the periodic finance charges for the billing cycle, aKtxpt for minor variations due to rounding. To gat yourtotal periodic finace charge for a billing cycle when a monthly periodic rate{s) applies, multiply the average daily beeince for each feature by the applicable montt* 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. Brae Period (al last 20 lays): 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 now purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances., check transactions, or overdraft advances. In addrdw. If there is a'BWi"g Pmmoh W Removal"" random an lids s*Aw* t, you will not incur periodic francs 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 purchase when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing action, pay your full New Balance minus the total of those Remaining Balances) by the date and time your payment Is due. However, If your statement shows that a minimum payment is due, we must receive at last that minimum payment by the date and tm e 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 riot added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is refereed to as "deferred interest." If a deferred interest Quallying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred Am nce 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 Cardmernber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING R101ITS SUMMARY In Case of Emora or Glaaelieas About Year BIB: If you think your bill is wrong, orif you need more information about a transaction onycur bill, write Cardmamber Service on a separate shat 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 imrestigate, your question, we cannot report you as delinquent or take action to coined the amount you question. If you have authorized us to pay your credit card bill automatically from yoursavings or checking account you can stop the payment on airy 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 leaf three business days before the automatic payment is scheduled to occur. Special Rd* for Credit Card hadviNi: II you have a problem with the quality of god or service 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 mordant you may not nitre to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more tun $W and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply It we own or operate the merchant or if we maled you the advertisement for the properly or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $7,433.29 03/24/08 $0.00 $2,628.29 Make your check payable to Chase Card Services. Amount Enclosed $ New address or *-mail? Prirrt m beck. CHASE O 526021001564620000262829007433290000003 06756 BIX 9 05808 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 III Il1l1III IIIEI EI II111111II111111I111111Iq I11II II1111I1IIEIII CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I 1111111111111 111111111111 111#1 111 11111111111 1 sit I 1:50001r.0281: 43100 15646 200611' 1irl /Cbsirg Date: 01/29/08 - 02/28!08 CUSTOMER SERVICE Payment Due Date: CHASE O 03124/06 In U.S. 14800-945-2000 Minimum Payment Due: $2,628.29 Espattol 14888446-3308 MD 1-800-955.6060 Pay by phone 14800436-7958 Outside U.S. call tolled 1-302594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5260 21001564 6200 Previous Balance $7,614.10 Total Credit Line $5,000 ACCOUNT INQUIRIES Box 15298 Payment , Credits -$375.00 Available Credit DE 19850-5298 $0 Wilmington DE Finance Charges +$194.19 Cash Access Line , $2,000 New Balance 7,43329 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wlminglon, DE 19886-5153 VISIT US AT: vmw.chese.caNcreditcwds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02r22 105305327OW04985145M Payment - Thank You FINANCE CHARGES Finance Charge Dairy Periodic Rate Comesp. Average Dairy Due To Trairmacfion Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $7,549.14 $192.28 $0.00 $0.00 $192.26 Cash advances V.08216% 29.99% $74.65 $1.91 $0.00 $0.00 $1.91 Total finance charges $194.19 Effective Annual Percentage Rate (APR): 29.99% Please sea Irlforr mbDn About Your Acceunt section for balance computation method, grace period, and older important information. The Corresponding APR is the rate of Merest you pay when you terry a balance on any transaction category. The Effective APR represents your told finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. X 0000001 FIS33335 D 9 000 V 9 28 0110718 Page t of t 05981 MAMA 06756 05010000090000675001 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 Infemuaien Abed Your Accwat Lost or Steles 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. Craitng of Payauab: For payments by regular U.S. mail, send at least your minimum payment due fo our post office box designated for payments shown on this statement. Your payments by mail must comply with the Instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments m ust be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 P.M. local time at our post office box designated for payments an this statement. we will credit the payment to your account as of tat day. It 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 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. Aseoaat let, etla Reported to Credit Bourses 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. Notfw Abod ElaelroaI Cheek Comedies: When you provide a check as payment, you authorize us eitherto use information from your chackfo make a onellme 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. Co"daah Payeaeala: Any payment check or other form of payment that you send us for less than the full balance due that is marked -paid in fill" or contains a similar natation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Bar 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 tat you make should be sent to the appropriate payment edi recs. Amended RMaaeaI Ndril 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 bless you notify us that you wish to dose your account within 30 days of to 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 fights to dose 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. Eeplentfae of Fiaaou Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately for each feature (e.g., balance trasfer/cdnveniaace checks and cash advance checks ("chock transaction'), purchases, balance transfers, cash advances, promotional balances or overdraft advances). Time calculations may combine different categories with the same daily periodic miss. 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 Vet Me 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 Cardmamber 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 debts (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, Its 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 deposhed 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 dally 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 rote to get your periodic finance charges for that day. We than add these periodic finance charges to your daily balance to get the beginning balance for the 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 below amount at the and of the billing cycle to calculate the daily periodic finance charge each day) To gat your total periodic finance charge for a billing cycle when a dairy periodic rote(s) apples, we add all of the daily periodic Chance charges for all features. To determine an average daily balance, we add your dairy 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 earn 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 yourtotaf periodic raance charge for a billing cycle when a monthly periodic raters) W0193, multiply the average daily balance for each feature by the applicable monthly periodic WE and add the results together. The total will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding Grace Period (at lead 29 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 t 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. Thee is no grace period for balance transfers, cash advances., check transactions, or overdraft advances. IN a1Ntiou, if there Is a'Oadifpq Pmme®osd Flame ':whoa on this SWeaeatl, 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, forsome 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 accourt as soon as the date of default. BILLING FIGHTS SMIIIARY Is Can III Errors or gaestow Aleut year Bib: if you think your bill is wrong, orif you need more information about a transaction on bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 198503299 as soon as possible. War must hear from you no later than 80 days after we sent you the first bill on which the enor or problem appeared. You can telephone us, but doing so wig not preserve your rights. In your letter, give us the following information. • Your drone and account number • The dollar amount of the suspected error • Describe to error and explain, If you can, why you believe there is an error. It you need more information, describe the hill 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 park of your bill that are not in question. While we investigate your question, we cannot repon 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 link is wrong. To stop the payment, your letter or call (using the Cardinember Service address ortelephone numbershown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services Ihatyou purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the mordant, you may riot have to pay the remaining amount due on the goods or services. You hove this protection only when the purchase price was more then $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do rat apply it we own or operate the merchant or if we mated you the advertisement for the property or services. MA021207 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $7,647.09 04/22/08 $195.00 $3,132.09 Enclosed New address check npayable e07 Print oh? Cara Services. Amount 526021001564620000313209007647090000009 07614 BIX 9 08808 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 CHASE O IIIIIIIIII/IIIII II IIIIIIII IIIIIIIIIIII III IRIIIIIII IItIIIII I/II CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 II/dI11RRIILItlldl1111111111111IIIItRIttL1111L11111111L1 1:5000160261: 4 3 100 15646 2006pa Date: 02/29/08 - 03!20!06 CUSTOMER SERVICE Payment Due Date: CHASE O Payment Due 04/22708 In U.S. 1'-800-945-2000 Minimum Payment Due: $3,132.09 EWatioi 14186-446.3308 TDD 1-800-955-8060 Pay by phone 14800-436-7958 Outside U.S. call coiled MASTERCARD CARD SUMMARY Account Number: 5260 21001564 6200 1-302-594.8200 ACCOUNT INQUIRIES Previous Balance $7,433.29 Total Credit Line $5,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298 Finance Charges +$174.80 Cash Access Line $2,000 New Balance 7,647.69 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VI81T US AT: www.chsse.corWcreditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/24 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Dally Due To Transaction Accumulated FINANCE Category 29 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.08011% 29.24% $7,447.47 $173.02 $0.00 $0.00 $173.02 Cash advances V.08011% 29.24% $76.50 $1.78 $0.00 $0.00 $1.78 Total finance charges $114.aU Effective Annual Percentage Rata (APR): 2924% Please we Information About Your Account section for balance computation metlhod, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you cony a balance on arty transaction category. The Efleetlve APR represents your total Mince charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS You minimum payment may have changed wM this baling statement. Please cell us If we can be of assistance. X0000001 FIS33= O 10 000 Y 9 28 08-03128 Pape 1 of 1 05880 MAMA 07014 08810000100000761401 Address Charge Request Please provide information below only ff the address information on front is incorrect. Street Address: ---------------- City: - ------ ---- State: - Zip: ---- ---- Home Phone' -- --- ---- Work Phone: --- --- ---- E-mail Address: --------------- IatamWia AYad Year Account Lost or Stoke Cards: Please report your lost or stolen card immediately by calling the Customer Service number found an 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 Payaraatt: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the Instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments m ust be accompanied by the payment coupon in the envelope provided with our address *Ibis through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper dips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on tits statement, we will credit the payment to your account as of that day. II 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 alltement, 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 latasedim Repotted to Credit Baran: 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 Caromember Service address listed on your billing statement. Math Ahent Elseboois Check Comensioa: Man you provide a check as payment, you authorize us either to use information from your check to make a onetime electronic fund transfer from your account or to process the payment as a check transaction. Man 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. Cal the customer service number on this statement if you have questions about electronic check oollectlon 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 cock 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. Aeanl Rommel Notice, If your account has an annual fee, it will be billed each year or in morthy installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is ran-refundable undess you notify as that you wish to dose 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 outsandng balance in full. Your payment of the annual fee does not affect our rights to dose your account and to limit your right to make transactions 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 fug and terminate your account relationship. EgMaNion of Fiume Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately for each feature (e.g., balance transfer/conveniarce checks and cash advance checks ('check transaction`), purchases, balance transfers, cash advances, promotional balances or overdraft advances). Those calculations may combine different categories with the same daily periodic False. If there is a 'V' next to a periodic ram on this statement, that rate may vary, and the Index and margin used to determine that rateand its corespondirg APR are described in your Cardmember Agreement, as amended. There is a minimum finance large in any bitting 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 Cardmanhber Agreement, as amended. To gas 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 tea, unpaid finance charges and other charges), subtract any payments or craft and make other adjustments. Transactions are added as of the transaction date, the beginning of the biting cycle in which they are posted to your account: or a later date of our deter (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 are 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 then 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) apples, we add all of the daily periodic fkence charges for all features. To determine an average daily balance, we add your dairy 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 biting cycle(s), and then add all of the results together, the total will also equal the periodic faun charges for the billing cycle, except for minorvariations due to rounding. To got 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 biting cycle. except for minor variations due to rounding. Grata Period (at lead 20 daills): 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 now purchases billed during a biting cycled we receive both payment of your New Balance on your current statement by to 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 a#MM. it there Is a'Qantitoog Prenshonnt Reaaain0" dome on ells Slntatrsnt, you will not incur periodic finance charges on any Remaining Balance that appears in that section i you pair 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 dice. However, if your statement shows that a minimum payment is due, we must receive at least the 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 Oualiying Promotional Rnsndng 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 innterest" If a deterred interest Qualifying Promotional Financing balance is not paid In fug 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 Ge dmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BIWNG MGM SUMMARY In Case of Eton or Ooatias Aged Year MB: If you think your bill is wrong, or if 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 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 smoum in question while we are investigating, but you are suit obligated to pay the parts of your bit that are not in question. Mile we Investigate your question, we cannot report you as delinquent or take action to tolled 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 later or cell (using the Cardmember Service address or telephone number shown on this statemenq must reach us at least three business days before the automatic payment is scheduled to occur. Special Rde for Credit Card Pomhesa: II you have a problem with the quality of goods or services that you p urchased with a credit card (excluding purchases made with a check), and you have hied 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 price was more than SW and the pufotess was made in your home state or within 100 miles of your mailing address. These limitations do not apply If we oxen or operate the merchant or if we mated you the advertisement for to property or services. MAD21207 Statement for account number: 5260 21001564 6200 New Balance Payment Due Date Past Due Amount Minima n Payment $7,678.52 05/23/08 $485.00 $3,67352 CHASEO Amount Enclosed Now eWenssnorr ikmail? payable Print oCn? Cara Services. 526021001564620000367352007878520000007 07394 SEX 9 111109 D I I I I I I I I I I I II III II 1111III, 1I II l ll II 111111111111111111 11111 1111 CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMBER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 198865153 11/11111/111L111111L111111 J11111111111111J 1111111111dILl 1:S000160281: 43 100 i S646 2006"' OPanlnyCbsing Date. 03/29/08 -0412610" CUSTOMER SERVICE O Payment Due Date: CHASE 05/23/08 In U.S. 1-800-945-2000 Minimum Payment Due: $3,673.52 Espatfol 1-888446-3308 TDD 1-800-955-6060 Pay by phone 14800436-7958 Outside U.S. call coiled 1,302-5948200 MASTERCARD CARD SUMMARY Account Number: 5260 21001564 6200 ACCOUNT INOUIRIES Previous Balance $7,647.09 Total Credit Line $5,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 Wlmingbn, DE 19850-5298 Finance Charges +$192.43 Cash Access Line $2,000 New Balance 7,878.52 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: wvnv.dlase.coNcreditcards Your credit card account is pest due. Please send payment immediately. Cal 14MG-955-8030 (coiled 1-302-5948200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04M LA E 9 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daly Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08011% 29.24% $7,670.14 $190.48 $0.00 $0.00 $190.48 Cash advances V.08011% 29.24% $78.36 $1.95 $0.00 $0.00 $1.95 Total finance charges $192.43 Effeodve Annual Percentage Rate (APR): 2924% Please see Information About Your Account section fo balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you tarty a balance on any transaction category. The Effective APR represents your tote finance charges - including transaction fees such as cash advance and balance transfer faun - expressed as a percentage. X 0000001 FIS33335 D 5 000 Y 9 28 01164428 Page 1 011 05986 MAMA 07364 11910000050000739401 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 Intervention Moot Tor Accoaaf lad or Skilen Cantle 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 afteryou enter your account number. Cradling of Paymanir For payments by regular U.S. mail, send at leastyour minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail mat campy 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. Mendel insftuton or the U.S. branch of a foreign financial institution. Do not send cash. Whig; 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 1:00 p.m. local time at our post office box designated for payment on is statement we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 P.M. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If yyou do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of ppourps ment maybe detmyed forup to 5 days. Payments made electronlaly through our automated telephone service, Customer Service advisors, or our web site will be subject to arty processing times disclosed for those payments. Awowd Informative Reported to Credit Boruu: We may report information about your account to credit bureaus. Cate payments, missed payments or other defaults on your ucount may be reflected in your credit report . If you mink we have reported inaccurate information to a credit bureau, you may write to us at On Cammember 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 died transaction. When we use information from your dark to make an electronic fund border, funds may be withdrawn from your account as soon as the same day we acre your payment, and you wit not receive your check beck from your linen I institution. Call to customer service number on this statement if you haw questions about electronic check collection or do not ward your payments collected electronically. Coodteiaal Pagoaa? My 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 fill satisfaction of a disputed amount, mud be sent to Cam Services, P.O. Bar 15049, Wilmington, DE 19850.5049. We reserve all our rights regarding these payments (e.g., if itis determined men is no valid dispute orifay such check is received at any otter address, we accept to check and you will still owe any remaining balance). We may refuse m 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 approprlata payment address. Anwl Ronawtl Rodeo: If your account has an annual fee, it will be billed each year or in months 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 dose your account within 30 days of the date we mail your statement on which the annual lee is charged and at the same lime, you pay your outstanding balance in full. Your paymoot of the annual fee does not affect our fights to dose your account and to timityour right to make transactions on your account. If your account is doted by you or us. we will continua to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. EapWation of Ru ne Wrge : We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., finance transferroomenienos checks and cash advance checks ('dmck transaction'). purchases, balance transfers, cash advances. promotional balances or overdraft advances). Please consult your Cardmember Agreement for the f asturen Me are applicable to your card These calculations may combine different categories with the Sam daily periodic rates. If mere is a " 1f next to a periodic tote on this statement that rate may very, and the index and margin used to determine that rate and Is 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 deck transaction, In the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current 68linyq cycle, we tee the beginning balance foreach feature, add ray new treusactons or other debits (including fees, unpaid finance cargos and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction data, the beginning of the billing cycle in which may are posted to your accent, or a later date of our choice (except that check transactions are added as of the dab deposited by fare payee ors [afar date of our choice). Feesare added either on the Monte related transaction, the date they are posted to your account, orate, lad day of the b"Ing qde. This gives us that day's daily balance. A credit balance is travail as a balance of zero. If a daily periodic rate applies to any fea um, we mutipy the daily balance by the dairy periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance for the next day. (If more than one dairy periodic rate could apply based on the average dairy balance, we will use the daiN periodic rate that applies for the average day balance amount at the and of the billing cycle to calculate the dairy periodic finance charge each day.) To gat your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the dry periodicimance charges forall features. To determine an average daily balance. we add your dairy balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the ovele,p daily balance for each feature by tine applicable dally periodic rate, and men mulaipy each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, me total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic financedharge for a biting cycle when a monthly periodic rate(s) applies, mulfipfy the average daily balance for each feature by the applicable monthly periodic rata and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor notations due to rounding. Grate Paled (d load 88 dap): We accrue periodic finance charges on a transaction, fee, or finance charge from the data it is added to your dry balance until payment in full is received on your account. However, we do not charge periodic finance charges on now purchases billed during a billing cycle t we receive both paymem of your New Balance on your currant 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, 00 advances, check transactions, or overdraft advances. In addition, if there is a "Outtying 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 Data. However, if yoke default under the terms of your Cardmember Agreement or any Ousi a Promotional Financing offer, the applicable periodic finance charges will accrue on airy Remaining Balance as soon as the bitting cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the OuelYng Promotional Financing section, pyyour full New Balance minus the to of those Remaining Balance(s) by the data and time your payment is due. However, if your slafa ivem shows that a minimum payment Is due, we mud receive at facet that minimum payment by the date and trme specifted on your statement even it your New Balance consists only of Outlay ng Promotional Financing bolances. For 'deferred interest" Ousltying Promotional Financing, periodic finance charges some during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to biting cycle. If a deterred interest Ohaltfying Promotional Financing balance is not paid in full by the applicable Expiration Dana, the deferred finance charges will be added to your account as soon as the first day afar 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 tie date of default. For'fixed payment' Oualiying 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 tern for that purchase. However, you will have a grace period on other new purchases as described above. MLLMG RIGHTS summm In Came of Erma cur Gwdleas Allot Yew Bill: If you think your bpi is wrong, or if you need more information about a transaAOn on your bilt, write Cardmember Service on a separate sheet at P.O. Box 15298 Wilmington, DE 19860.5299 as soon as possible , We must hear from you no later than 60 dais after we sent you the first bill on which the error or problem appeared. You can talephone us, but doing sovaill notpreserve 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 reed more information, describe the item you are unsure about. You do not have to pay any amount in question while we are Investigating, but yyou are still obligate to pay me pans 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 amoum you question. If you hen authorized us to pay your aedH card bill automatically from your sevi ngs or checking account, you can stop the payment on any amount you mlrik Is wrong. To stop the payment, your letter or call (using the Cardmember Service address of telephone number shown on this statement) must reach us at least twee business days before the automafic payment is scheduled to occur. Spnlal Fide for Cfs1d And Par-1 If you haw a problem with the quality of goods orservkes that you purchased with a credit card (exceeding 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 pries was mom man 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 malted you the advertisement for the property or services. MA030708 Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minirtwm Payment $8,107.59 06/22108 $795.00 $4,212.59 Mika yourcheck a -mall? to Chase Care Services. Amount Enclosed $ New address or or a-mall? il? Print on back. 526021001564620000421259008107590000007 07403 SIX 9 14908 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 Dull IurIIL1u.JL??IIu11111r.dl,?rrllJrJlrLLrdJ11 CHASE O 1rh111111rr1r11111r1r111u1111r1hrllhlrlllhllr.l,llnll.slllrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 1:5000 160 281: 4 3 100 1 564 6 2006pe Opa illosang Data 1 11 CUSTOMER SERVICE O Payment Due Date: 0622= In U.S. 1i-800-945-2000 CHASE Minimum Payment Due: $4,212.59 1101 1-888-446-3308 MASTERCARD CARD SUMMARY TDD 9-800-955-8060 Pay by phone 1i-SO0-436-7958 Outside U.S. cal called 9-302-594-8200 Account Number: 5260 21001564 6200 OUNT 1 UIRIES Previous Balance $7,878.52 Total Credit Line $5,000 ACC NQ P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 WYminglon, DE. 19850-5298 Finance Charges +$190.07 Cash Access Line $2,000 New Balance ,107.59 Available for Cesh $0 PAYMENT ADDRESS P.O. Box 1515:1 Wilmington, DE. 19886-5153 VISIT US AT: www.chese.a The charge pmrileges on your credit and account have been revoked. You no longer have the ability to use you credit card account for pure esi s. We can help you get back on track. Call 1480055-6030(cdbd 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description cram Debit 05123 LATE FEE FINANCE CHARGES Finance Charge Dairy Periodic Rate Corresp. Average Deily Due To Transacton Accumulated FINANCE Category 30 days in cyce APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.07942% 28.99% $7,897.43 $188.16 $0.00 $0.00 $188.16 Cash advances V.07942% 28.99% $80.30 $1.91 $0.00 $0.00 $1.91 Total finance charges $190.07 EHectlve Annual Percentage Rate (APR): 28.99% Please see Irtormat on Abort 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 can 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 peroentage. 0000801 FIS33335 0 8 000 Y 9 28 084)528 Pg. 1 of 1 05888 MAMA 07403 14910000080000740301 X INS13093 Address Change Request Please provide information below only if the address information on front Is incorrect. Street Address: - -------------- City: State: Zip: Home Phone: Work Plane: E-mail Address- L Iafommun Abwl Tow Aeeowl Load 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. Cratitlq of Payawols: For payments by regular U.S. mail. send at least your minimum payment due to ourpost 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 crack 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 rash. 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 try 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 wil credit it to your account as of the next day. If yyou do not follow our payment instructions or if your payment is not sent Mj regular U.S. mall to our post once box designated for payments, creditup oaiourpayment maybe delved for up to 5 days. Payments made eledroniy through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Anseedbm nm*mReportdto Credit Between: We may report information about your account to credit bureaus. Late payments, missed payments or other defeats 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 smlwrrenl Notre About Electronic Check Conversion: When you provide a check as payment, you authortrn is 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 chadk bransa0tn. When in use information from your check to make an electronic fund trensfer funds may be withdrawn from your account as soon as the same day we halve your payment, and you wit not receive your check book from your fiwndel institution. Cal Uw customer service number n this statement if you have questions about electronic check collection or do not want your payments collected electronically. CondMi" PayaMada: Any payment check or other form of payment thatyou sand us for less Man the full boleros due that Is marked "paid in full or contains a smiler notation, or that you otherwise tender in fail satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve ail our rights regarding these payments (e.g., if itisdatermined there is no valid dispute orif arty 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 amid be sent to the appropriate payment address. Awaal Renewed Native: If your accent has an annual fee, it will be billed each year or in man* installments, whether or no you use your account, and you agree to pay it when billed. The annual fee is ran-refundable unless you notfy, us that you win to dose your account within 30 days of the date we mail your statement on which till annual be is charged and at the same time, you pay your outstanding balmoo in full. Your payment of he annual tee does not affect our rights to dose yourarx amt and to limit your night to male transactions on your account. If your account is closed by you or us, we will continue to charge the annual lee until you pay your outstanding balance in full and terminate your account relationship. Eirld " a d Monaco Cl gr: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately for each Mature . g., balance transfisdoonvanience checks and cash advance checks ('099 transaction"). purchases, balance transient. cash advances, promotional balances or overdraft advances). Please consult your Cadmember 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 satement that rate may vary, and the index and margin used to determine that rob and its corresponding APR are described in your Cardmembor Agreement, as amended. There is a minimum finance dharge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or dark transaction, in the amounts stated in your Cardmember Agreement, as amended. To pet the daily balance for each day of the current billingq cycle. we tale tlhe beginning balan ce for each feature, add any new Irarnactns n ocher debits (including tees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transection dare, the beginning of the billing cycle in which they are posted to your account or a later date of our choice (except that dreck transactions are added as of the date deposited by the payee or n later dais of our choke). Fees are added either on the date of a related traneactlon, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily belence. A credit balance is treated as a balance of zero. If a doily periodic rate applies to any feature, we multiply the dally balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance for the next day. (If more than one daily aedodic rate could apply based on the average daffy balance, we will use the deity periodic rate than applies for the average dw balance amount at the end of the billing cycle to calculate the daily periodic firhwhce charge each day.) To get your total periodic finance charge for a billing cycle when a dairy periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average dally balance, we add your daily balances and divide by the number of the days in the applicable billing cycles)If you multiply the aueraaae deity balance for each feature by the applicable dally periodic rate, and men mulbpy each of these results by the number of days in the apMk" billing cycle(s), and than 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 parodic finance charge for a bilinq cycle when a monthly periodic rate(s) apples, multiply the average daily balance for each featureby the applicable monthly periodic moo and add the results together. The total will equal the peniodle finance charges for the billing cycle, except for minor varatons due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fat, or finance charge from the date it is added to your daily balance until payment in hull is received n your account . However, we do not charge periodic finance charges on new purchases billed during a billing cycle 6 we receive both payment of your Now 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 dire. 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 pat that balance In full by the applicable Expiretion Dale. However, if y default under the terms of your Cardmember Agreement or any Ousilly nit Promotional Financing offer, the applicable periodic finance charges will accrue on shrayry Remaining Balance as son as the billing cycle in which the deteult occurs.To avoid finance charges on new purchases when your Now Balance includes any Remaining Belnce(s) in the Qu iliNgng Promotional Financing section. pay your full New Balance minus the te i of those Remaining Balancers) by the data and time your payment is due However. 0 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 0 your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, pedodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they aecumulase 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 youraccount as son as the date of default. For "fixed payment' Ouallfying 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 dust purchase. However you will have a grace period on other now purchases as described above. BILLING MGM SUMINIIRY le Was of Emrs or Good ets Abed Yew MI: t you think your bill is wrong, or if you need more information about a transaction on yyour bill. write Cardmember Service on a separate sheet at P.O. Box 15299 Wgmington, DE 196545299 as son as possible. We must hear from you no later than 60 days after we Nit you the first bill on which the error or problem appeared. You can telephone us, but doing so will not pr Marva 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 p7 any amount in question while we are investigating, but you are still nfigaled to pay the parts of your bill that are not in question. While we investigate your question. we cannot report you as ddnquern or take actin 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 roll (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. Stmeid Role for Credit Cad Pwebaeas If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a chock), and you have trod In good lath to correct the problem with the merchant. you may not haws 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 mikes of your mailing address. These limitations do not apply if we own or operate the merchant, of if we merged you the advertisement for the property or services. MA030708 Statement for account number: 5260 2100 9564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $8,34682 07/23/08 $1,105.00 $4,777.92 - Make you check payable to: Chase Card Services. Please write amou nt nt enclosed. Now address or e-sill Print on back. 526021001564620000477782008348820000002 13962 SEX 9 18006 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 CHASE O Irrallltlrrl/rltlrrlarlllrrlrlrlrrllrlllr rr llralalrrrll1111rr1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 11rdIIr1r1111rrr1rllr1d11rJ11Lrr11,11rrLIr/11JJrrdJ11 4500016028e: 4 3 100 15646 2006tia l Data 05/29/06 213 CUSTOMER SERVICE Paymen O Payment Due Date: CHASE 7 0 07/23= 106 In U.S. 1!-a00-945.2000 Minimum Payment Due: $4,777.52 Espatloi 1,.888-446.3306 TDD 9-a00-955.5060 Pay by phone 1800-436-7958 Outside U.S. call collect '1-302-594-8200 MASTERCARD CARD SUMMARY Account Number. 5260 2100 1564 62!10 ACCOUNT INQUIRIES Previous Balance $8,107.59 Total Credit Line $5,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 11981%-52N Finance Charges +$202.23 Cash Access Line $2,000 348,92 Available for Cash New Balance $3 $0 PAYMENT ADDRESS , P.O. Box 15153 Wilmington, DE: 19666-5153 VISIT U8 AT: www chase ccrrVu reditcards 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 1-302594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit l? ofim LATE FEE FINANCE CHARGES Finance Charge Daily Periodic Rae Corresp. Average Daily Due To Transaction Accumulated FINANCE Categary 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.07942% 28.99% $6,131.49 $200.20 $0.00 $0.00 $200.20 Cash advances V.07942% 28.99% $82.26 $2.03 $0.00 $0.00 $2.03 Total finance charges $202.23 Effective Annual Percentage Rata (APR): 26.99% Please sae Information About Your Account section for balance computation method, grace period, and other important information. Th e 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. 0000001 FIS33335 D 5 000 Y 9 29 0841828 Page 1 d 1 05698 MAMA 13962 17910000050001388261 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 Maur Yaw Accoaal Lost or NNNu Cads Please report your lost or stolen card immediately by calling the Customer Servo number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 afteryou enter youraccount number. Cradling of Payments: For payments by regular U.S. mail, send at leastyour minimum paymentdue 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 deck 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 canna 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 "table to us on any day except December 26 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 as afar 1:00 p.m. local time at our post office box designated forpayments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office bar designated for payments. crediting of yyour payrttent may be deaysd for up to 5 days. Payments made else I ally through our automated telephone service, Customer Service advisors, or our web site will be subject to arty processing times disclosed for those payments. Aoard Idomwb" Rsprlad to Cn& lusaw: We may report infomation about yyour account to credit bureaus. Late payments, missed payments or other defaults on your secant may be reflected in your credit report t you think we haws 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 aft her to use information from your check to make a one-time electronic fund transfer from your secant or to process the payment as a check transaction. When we use information train your check to make an electronic fund transfer funds may be withdrawn from your Account as soon as the same day we receive our payment, and you wild not receive your check back from your hoandN institution. Cat the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. cebdm W Pgruaafk Any payment check or other form of payment thatyou send us for bas than the lull balance due than is marked "paid in full or contains a similar notation, or that you otherwise tender in flail satisfaction of a disputed amount must be sent to Card Services, P.O. Box 1509 Wilmington, DE 198503049. We reserve oil our dgha regarding these payments (e.g , if itisdetermined there is not valid dispute orifary 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. Annul Robust Nbties: it 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 rein-refundable unless you no" us that you wish to dose your Account within 30 days of the data we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to dose your account and to limit you r night 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 to anionic your account relationship. Explanation of Ran Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately for each feature (e.g., balance tmsfertomvenienoe checks and cash advance checks ('check trusactorh, purchases, balance transfers. cash adinnces. promotional balances or overdraft advances). Please consult your Cerdmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same dally 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. Then is a minimum finance charge in arty biking cycle in which you owe any periodic finance charges. and a tmnsacton finance charge for each balance tranafer, cash advance, or check transaction, in the amounts stand in your Cardmember Agreement, as amended. To get fine daily balance for each day of the current bill?g cycle, we take the beginning balance for each feature, add am/new =one or other debits (including fees, unpaid finance charges and other charges), subbed any payments or credits, and make other adjustments, Transactions are added as of the transaction data. the beginning of IN billing cycle in which they are posted to your account or a titer data of our choice (except that rack transactions are added as tithe dab deposited fry the payes or a later date of our choice). Frees are added sifter on the date of a related transaction, Me 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 bamte, we multiply, the daily balance by IN daily periodic rate o get your periodic finance charges for that day. We then add these periodic finance charges to your daily bounce to get the beginning balance for the next day. (If more than arre daily periodic rate could apply based on the average daily balance, we will use the dells periodic rate that applies for the average daily balance amount al the xnd of the billing cycle to calculate the daily parodic finance charge each day.l To get your total periodic finance charge for a billing cycle when a daily periodic role(s) applies, we add all of the daily parodic 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). 11 you multi the avenVI daily balance for each feaftm by the applicable daily periodic rate, and n muhipy 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 liable) 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. Craw Period (at last 20 dep): We accrue periodic finance charges on a transaction, fee, or finance charge from the deb 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 now purchases billed during a billing cycle if WB receive both payment of your Now Balance on your current statement by the data and time your payment is due and also payment of your Now 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 than is a "Oualifying Promotional Financing" section on this statement, you will not incur parodic finance charges on any Remaining Balance that appears In that section it you pay that balance in full by the applicable Expiration Dale . However, iI default under the terms of your Cardmembar Agreement or any Ouaaryklg Prommil net Financing offer, the applicable periodic: finance charges will seem on airy Remaining Balance as soon as the billing cycle in which the default occurs. o avoid finance charges on new purchases when your Now Balance includes any Remaining Belance(s) in the Oualityhng Promotional Financing section, pay your full New Balance minus the alai d those Remaining Belanoa(s) by the data and time your payment is due. However. if your statement shows that a minimum payment is due, we must noeNe at least that minimum payment by the date and brae specified on your statement even it your New Balance consists only of Oualying Promotional Financing balances. For "deferred interest' Oueliying Promotional Finandng, periodic finance charges accrue during the promotional period but are not added to your account balm. Instead, they accurwlata from billing cycle to billing cycle. If a deferred internal Qualifying Promotional Financing balance Is not paid in full by the applicable Expiration Data, the deferred finance charges will be added to your account as soon as the first day afar the Expiration Date. Further, if you default under the tenor of your Cardmember Agreement, the deferred finance charges will be added to youraccouud as soon as the date of default. For'f xed payment' Ouallfying Promotional Financing that permitsym 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 desedbed above. BILLING MOM 3UMN" IN Idea of Ewen at Dualism Abut Yak Bit: If you think your bill Is wrong, or if you need more informatbn about a transaction on your bill. write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 1985x5299 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, butdoing 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 ran, whyyoc believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay amount in question while we an Investigating, but you are sell obligated to pay the parts of your bill that are not in question. While xre investigate your question, we cannot report you as delinquent or Is. 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 telephone your rsshown call this smatthe ement) Card member rear A Service us at least three business days before the automatic payment is scheduled to occur. 8Neial Rule for Credit Cad Pomhme If you tie* a problem with the quality or goods or services the you purchased with a credit card (excluding purchases made with a check), and you have Well 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 $60 and the purchase was made in your home sate or within 100 miles of your mating 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: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $8,589.23 08122/08 $1,429.00 $5,344.23 ' Make your check payable to: Chase Card Services. Phase writs amount enclosed. Now address or e-mail? Print on back. 526021001564620000534423008589230000004 07240 8DC 9 21008 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 CHASE O Irrrlll11r11r1111rrlrrllrrrlrirrrr111111rrrllrrirlrrrllrrlirrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 IrrrilLrr1111rrrrrlLrrllrrrllllrrrllrrrrrLir.IIJ.LrJ,lrl 1: 5000 160 281: 4 3 100 i 5646 2006«' OpeninyClosing Date: I'- 07!28108 CUSTOMER SERVICE Due Date: CHASE O im m 5 344 23 I 3 fl Min u P ayment Due: , . $ ffol 888 446 3 08 e TDD 800-955.8060 Pay by phone 1-800, 4 7956 Outside U.S. call eolied 'I-302594-8200 MASTERCARD CARD SUMMARY Account Number: 5260 21001564 6200 ACCOUNT INQUIRIES Previous Balance $8,348.82 Total Credit Line $5,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE. 19850-5298 France Charges +$201.41 Cash Access Line $2,000 New Balance ,589.23 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE. 196865153 VISIT US AT: www.chase.axrVcredRceds Irs not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Cad 1488-792-7547 (tolled 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07123 LATE FEE _jt1lui103 *13: 1?1:Zel 4 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% $8,369.20 $199.40 $0.00 $0.00 $199.40 Cash advances V.07942% 28.99% $84.28 $2.01 $0.00 $0.00 $2.01 Total finance charges $201.41 Effective Annual Percentage Rate (APR): 28.99% Please see Infomnafion Abort Your Account section for balance computation method, grace period, and other important infomnation. The Corresponding APR is the rate of interest you pay when you tarty a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as rash advance and balance trander fees - expressed as a percentage. X0000901 FIS33335 D 10 000 Y 9 28 OM 28 Pags 1 d 1 05988 MAMA 07240 21010D0 010 0 0 0 07240D1 Address Change Request Please provide information below only If the address information on front is irlconed. Street Address: City: State: Zip: Horde Phone: Work Phone: E-mail Address: L Mortgages Almot Yaw "Wool Lost or Stoke Gads: Reese report your lost or stolen card immediately by cAl ng 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. CrerNYng of Papneatr For payments by regular U.S. mail. send at leastyour minimum payment due to outpost 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 fmancial institution. Do notaend rash. 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 canna contain more than one payment or coupon: and there an be no staples, paper dips. We 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 w after 1:00 p.m, local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If yyou do not follow our payment instructions or t your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of yyour payment maybe delayed for up to 5 days. Payments made electronically through our automated lelephone service, Customer Service advisors, or our web sib) will be subject to any procesalrp Imes disdoeed for those payments. Aerial InIs *inPM*fedto Credit Boma: We may reportinformation about your account to coedit bureaus. Lab payments, missed payments or other defaults on your account may be reflected in your credit report . H you think we have reported inaccurate intamaion to a credit bureau, you may wrift to us at the Cordmember Service address listed on your billing statement. Notice Abo l Electronic Check Conversion: When you provide a check as payment, you athortm us either to use information from your check to make a one-time electink fund transfer from your account or to Process the payment as a ohedk transaction. When we use information from your check to make an electronic lurid transfer, funds may be withdrawn from your account as soon as the same day we recalve your psyman, and youwill not receive your check back from your financial institution. Call the customer set" number on this statement If you have questions about electronic check collection or do no want your payments collected electronically. Caadillecal Pgnhemlc Any payment check or other form of payment that you send us for bas Men the full belt ice due Mot is marked 'paid in full' or contains a similar notation, or the 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 am/ such check is received at any other address, we may accept Me check and you will still owe any remaining balance). We may reNtse to accept any such payment by reWming it to you, not cashing it or destroying It. All other payments that you make should be sent to the appropriate payment address. Auwl Removal iledee: If your account has an annual fee. it will be billed each '."r9 a in morrtMy installments, whether or not you use your account, and yree to pay it when billed. The annual fee is iron-refundable unless you nosy us that you wish to dose your account within 30 clays of the date we mail your statement on which the accrual fee is charged and at the some time, you pay your outstanding balmy in full. Your payment of the annual fee does not affec our rights to dose your account and to 6mityour right to make transxtons on your account. N 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. Eaglacolies of Ru Dim": We calculate periodic finance charges, using the applicable periodic miss shown on this statement, separately for each feature (e.g., balance transbr?oonvenience checks and cash advance checks ('check Irmactliml, purchases. balance transfers. cash advances, promotional balances or overdraft advances). Please consult your Agreement for tle features that are applicable to your card These ber calculations may combine different categories with the some daily periodic rates. If there is a •V next to a periodic raft on this statement, that rate may vary, and the index and margin used to determine the race and its corresponding APR are described in your Cafrimember 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 bill cycle. we We the beginning balance for each baton, add any nsw tra=cris or other debits (including fees, unpaid finance charges and other charges). subtract any payments or cmdit and make other adjustments. Transactions are added as of the transaction dale, the beginning of the biking cycle in which they are posted to your account or a later date of our choice (except that dleck transactions are added as of the date deposited by the payee or a later dab of our choice). Fees are added either on the date of a related transaction, the date they are posted to your amount or the last day of the billlrp qde. This gives us that day's daily balance. A credit balance is t Bated as a balance of ate. If a daily penodic rate applies to any feature, via multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for The next day. (If more than one daily periodic rate could apply based on the average dairy balance, we will use the dairy periodic rate that applies for the average dairy balance amount M the and of the billing cycle to calmlete the daily periodic finance charge each ill To get your total periodic finance charge for a billing cycle when a dally periodic tab(s) applies, we add all of the day 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 mull* th overeig daily balance for each feature by Me applicable dally periodic rate, and then mull* 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 bill cycle, except for minor variations due to rounding. To get you rtotal periodic fkkance charge for a billing cycle when a monthly periodic table) applies, multiply the average daily balance for each feature by the a feeble monthly periodic rate and add the results together. The total will equ the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grow Paned (at lad 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the data it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance ohoryes on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the data 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, each advances, check transactions, or overdraft advances. In addition, if there is a "Oualifylag 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 Deb. However. of you default under the terms of your Cardmember Agreement or any 1 attymg Promotional Financing offer, the applicable periodic finance charges will oo t on aaryry Remaining Balance as soon as the billing cycle in which the default oceura.T0 avoid finance charges on new purchases when your New Balance irdudes any Remaining Beknce(s) in the OualiNmg Promotional Financing section, pay your full New Balance minus the ?otI of those Remaining Balanos(s) by the des and tone you payment is due. However, if your statement shows hat a minimum payment is due, we must receive at lent Mat minimum payment by the date and time specified on your statement own 0 your New Balance consists only of Ouallfying 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. Insw id, they accumubb from bill ng cycle to billing cycle. If a deferred interest Oualiyng Promotional Financing balance is not paid in fuel the applicable Expiration Dab, the deferred finance charges will be adds 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 dab of default. For `fixed payment' Oualiying Promotional Financing that permltsyou 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 RNM SUMMARY In Cane of Emu or Owsllwae Admit Vow Big: 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 ahaet at P.O. Box 15299 Wilmington, DE 19850.5299 as soon as passible. We must hear from you no later than 60 days offer we sent you the first bill on which the error or problem appeared. You an telephone us, but doing so will notprourveyour 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 imrestgating :but rya an stilt obligate 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 parr your credit ant bill automat lly 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 sbbment) most reach us at least three business days before the aromatic payment is scheduled to occur. Special R& 1w Credit Cod Pantheism It you taus a problem with the quality of goods orservfces that you purchased will a credit card (excluding purchases made with a check), and you have tried in good Meth to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or salvias You have this protection only when the purchase pna was more Man S50 and the purchase was made in your home stab or within 100 miles of your mating address. These limitations do not apply if we own or operate the merchant or if we malled you the advertisement for the property or services. MA0307a Statement for account number: 5260 2100 1564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $6,842.46 0922708 $1,755.00 $5,938.46 - Make your check payable to: Chase Cord Services. Please write as nt enclosed. New address or erneili Print on back. 526021001564620000593846008842460000003 07401 8DC 9 24198 D CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL PA 17011-1002 CHASE O Irr1111rirrlrririrrlrrllrrrlllrrrrllrlrlrrr111rl,Irrrlirrlllrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IrrdlLrrlllrrrrrrilrrJlrrrlllirrrlLrrrJdrrlLldrrdrLl 1:5000 L60 281: 43 L00 L 5646 2006119 lillostrg Date 07/29/06 I CUSTOMER SERVICE O Payment Due Date: CHASE 0922106 In U.S. 1-800-945-2000 5 938 46 Minimum Payment Due: , . $ Fspaflol 14I86-446-3308 TDD 1-600-955-0060 Pay by phone 1-600436-7956 Outside U.S. call coiled 1-302594-0200 MASTERCARD CARD SUMMARY Account Number: 5260 21001564 6200 ACCOUNT INQUIRIES Previous Balance $8,589.23 Total Credit Line $5,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, DE 19650-5296 Finance Charges +$214.23 Cash Access Line $2,000 New Balance $8,84246 Available for Cash $0 PAYMENT ADDRESS P.O. Box 1515,.'1 Wilmington, DE 19086.5153 VISIT US AM www. chase.conycreditce rds You haven't made the required payments and your credit card account is 150 days pest due. You can still turn things around. Cal us today at 14888-792-7547 (collect 1-302594.8200) so that we can find a solution for your situation. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit oew LATE FEE FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rafe Fee Fin Charge CHARGES Purchases V.07942% 28.99% $8,614.62 $212.10 $0.00 $0.00 $212.10 Cash advances V.07942% 28.99% $86.35 $213 $0.00 $0.00 $2.13 Total finance charges $214.23 Effectlve Annual Percentage Rate (APR): 28.99% Please see lnlomhation Abort 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 tarty a balance on any transaction category. The Effective APR represents your total finance dhargea - including transaction fees suds as cash advance and balance transfer fees - expressed as a percentage- X0000001 FIS33335 0 9 000 Y 9 28 08418129 Page 1 of 1 05898 MA FAA 07401 24110000090000740101 Address Charge Request Please provide information below only if the address information on front is incomad. Street Address: City: State: Zip: Home Phone: Work Phone: --- --- ---- E-mail Address: L Information About Yaw AccooM Lost or Sbko Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisers are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Paymanh: For payments by regular U.S. mail. send at leastyour minimum payment due to our post allies 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 dawn on or payable through a U.S. financial insfituaon 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 Ste envelope window: the envelope cannot contain more then one payment or coupon: and them can be no staples. paper clips, tape or correspondence included with your payment. If your payment Is in accordance with our payment instroctionsand is made available to us on any day except December 25 by 1:00 p.m. local rime 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 payneor Instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments at Unsettlement, we will crodh it to your account as of the next day. It 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. cracking of yourpsyment maybe delayed fora to 5 days. Payments made eleetronl through our automaled telephone service, Customer Service advisore, or our web site will be subject to any processing times disdaeed for those payments. Asserted Ink IeaReporbdbCrodiBwsaes:Wemayreport information about your account to credit bureaus. late payments, missed payments or other defaults on your account may be reflected in your credit report. U you think we have reported Inaccurate information to a credit bureau, you may writs to us at On Cardmember Service address listed on your billing statement. Notice About Electronic Check Convealon: When you provide a deck as payment, you authorize us either to use information from your check to make a one-time electronic fund header 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 race* your payment, and you YA not receive your check back from your finandel instiWbm. Call the customer service number on this statement If you have questions about electronic check collection or do not want your payments collected slectranically. Coodill" Paymsate Airy payment check or other form of payment thai send us forless then the hull balance due that Is marked "paid in toll 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 fights regarding these payments (e.g., it it is determined them is no valid dispute or if airy such check is received at any other address, we may accept the deck and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it a dastroyng it. All other payments that you make should be sent to the appropriate payment address. Assault Raesaal Noise: If your account has an annual fee. it will be billed each year or in monthly, nInstallments, whether or not you use your account.. and you agree to pay it when billed. The annual tee is non-refundable unless you notify us that you wish to dose your account within 30 days of the data we mail your statement on which the annual fee is charged and at the some time, you pay your outstanding balance in lull. Your payment of the annual fee does not afloat our rights to dose your accent and to limit you r right to make transactions on your account. If your account is dosed by you or us, we will continue to charge the annual fee unfit you pay your outstanding balance in full and terminate your account relationship. EglansHaa d Roans Charges: We calculate periodic finance charges, using the applicable periodic rotes shown on this statement, separately for each feature (e.g., balance transarJcanvenience checks and cash advance docks ("check irensacdonh. purchases, balance transfers, cash advances, promotional balances or overdraft advances). Pteese consult your Cardmember Agreement for Ihe fsawres that are applicable to your card These calculations may com me different rategodes with the same daily periodic rotes. If there is a "V' next to a periodic rate on this statement that ate may vary, and the index and margin used to determine that rat and Its corresponding APB are described in your Cardmember Agreement, as amended. Them is a minimum finance charge in any ding cycle in which you owe any periodic finance charges, and a transaction fiance Marge for each balance transfer, cash advance, or deck transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current bill'saa cycle. we take the beginning balance for each feature, add any mew tansactiens or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added its of the transaction dote, the beginning of the billing cycle in which they are posted to your account or a later da% of our choice (except that deck 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 biting cycle. This gives us that day's daily balance. A credit balance is treated as a balance of ma. If a daily periodic rote applies to any feature, we multiply, the daily balance by Ihe daily periodic ate 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 band on the average dairy balance, we will use the daiN periodic ate that applies for the average day balance amount al the and o 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 tie a?licade billing cycle(s). If you multiply the averega daffy balance for each feature by the appfirable daNy in the aPdleade billing cycle(s) ,and mof these en add all of the rsthe number of euhis together the total will also equal the periodic finance charges for the bitiirkg cycle, except forminor variations due to rounding. To get your totalperiodic finance charge for a billing cycle when a monthly periodic faults) applies, multi ply the average daily balance fa each feature by the applicable monthly periodic ate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grass Period (at hat 20 dap): We accrue periodic fiance charges on a transaction, fee, or finance charge from the date it is added to your daily balance umN payment in full is received on your acooum. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive troth payment of your New Balance on your current statement by the data and fire your payment is due and also payment of your New Balance on your previous statement by the date and lime your payment was due. There is no grace period for balance ministers , 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 fill by the applicable Expiratien Date. However, if you default under the terms of your Cardmember Agreement or any Quality g Promotional Financing offer, the applicable periodic finance charges will seems on Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance ircludes any Remaining Belance(s) in the Ouali oq Promotional Financing section, pay your full New Balance minus the teal of Those Remaining Balance(s) by the data 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 dale and time specibed on your statement even U your kaw Balance consists only of Ouailfying 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 cyde. he deferred interest Qualifying Promotional Fmancinq balance is not paid in fuel by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day afar the Expiration Date. Further, if you default under the bans of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For'fixed payment" Ousliylnq Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. MLLM RIGHTS SUMMARY to Cane of Eton or 0"oes About Year BIN: 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 shot we sent you the first bill on which the error or problem appeared. You can tdephone us, but doing so will notpreserveyour rights. In your letter, give us the following information. • Your none and account number • The dollar amount of the suspected error • Describe tie error and explain, ifyou can, why you believe there is an error. If you need more information, describe the iIsm you are unsure about. You do not have to Day any amount in question while we are imresdgi :ban C are still obligated to pay the parts of your bill that are not in question. A we invest two your question. we cannot report you as delinquent or take action to col 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 thine 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 bast three business days before the automatic payment is scheduled to occur Spatial Rob fair Credit Card Pafobesoe If you have a problem with the quality of goods or services drat you purchased with a credit card (excluding purchases mate with a ched), 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 Ihe goods or services. You have ibis protection only when the purchase pricewas more Man S60 and the purchase was made in your home sate or within 100 miss 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. MA00070e Statement for account number: 5260 21001564 6200 New Balance Payment Due Date Past Due Amount Minimum Payment $8,999.67 10/23/08 $1,996.00 $6,342.67 CHASE O Make your check payable to: AWL Chase Card go Ices. Plesse writs amount enclosed. Now address or a-mein Print on back. 526021001564620000634267008999670000004 07827 SEX 927208D lur???r?u?rdr?u?u??udduu??r?dnr??n?dud?n??ul CYNTHIA J DAUM 1039 OYSTER MILL RD CARDMEMSER SERVICE CAMP HILL PA 17011-1002 PO BOX 15153 WILMINGTON DE 19886-5153 ?url??nr???nnn??nd?ur????ur??uur?du??r?r?ur?r?r? 1: 5000 L60 281: 4 3 L00 L 5646 20061• DPenlrw/ II Dee. 1 D- I JD6 CUSTOMER SERVICE Payment Due Date: CHASEO 1023108 In U.S. 1-800-945-20D0 Minimum Payment Due: $6,342.67 Espaticl 14888.446-3306 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. cell called 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5260 21001564 6200 ACCOUNT INQUIRIES Previous Balancee $8,642.46 Total Credit Line $5,000 P.O. Box 15296 Payment, Credits -$100.00 Available Credit $0 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$218.21 Available for Cash $0 PAYMENT ADDRESS New Balance $8,999.67 P.O. Box 1515:, Wiilmingbn, DE 19886-5153 VISIT US AT: www.chase.eonl/credifcards The outstanding balance on your credit card account is scheduled to be written off as a fled debt shortly. As a restK your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you reed to cal us now at t-888-792-7547 (dolled 1-302-594-8200). TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transacton Description Credit Debit 08/31 1244244270DO05042536713 Payment - Thank You 09/22 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.07942% 28.99% $8,774.34 3216.03 $0.00 $0.00 $216.03 Cash advances V.07942% 28.99% $88.51 $2.18 $0.00 $0.00 $2.18 Total finance charges $218.21 Effective Annual Percentage Rate (APR): 28.99% Plesse see Information About You Account section for balance computation method, grace period, and other Important information. The Corresponding APR is the rote of interest you pay when you tarry a balance on any transaction category. The Effective APR represents you total finance charges - including trensedlon fees such as cash advance and balance transfer fees - expressed as a percentage. X 0000001 FIS33335 D 6 000 Y 9 28 oamm pow 1 of 1 05080 MAMA 07827 27210000000000782761 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 Aleut Yew Amount loaf or Stolen Cards: Please report your lost or stolen card immediately by calling me 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 at Payw*Mm For payments by regular U.S. mail- send at leastyour minimum paymentdueto ourpostof ceboxdesignatedforpaymentsshown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by deed( or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. brarch 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 psymem 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. We or correspondence included with your payment If your payment Is In accordance with our paymenbyt instructions and is made available to us on any day except December 25 tin 1:00 p.m. local time at our post office box designated for payments on this statemerrt, we will credit the payment to your account as of that day. If your payment is In accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments an this statement, we will credit h to your account as of the next day. If yyou do not follow cur payment instructions or g your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of yourpayment 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. Ascent Inbmalm Reported to Credit Samurai: We may report information about yyo0uUr account to credit bureaus. Late payments, missed payments or other defa tits on your account may be reflected in your credit report. B you think we have reported inaccurate information to a credit burem, you may writs 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 eucbonic fund transfer from your account or to process the payment as a dark 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 salve your payment, and you wile not receive your check back from your finan i 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. CandNh" Payments: Any payment check or other form of payment matyou 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 mesa payments (e.g., if it is determined there is no valid dispute or if ay such check is received at any other address, we may accept the check and you will still owe any remaining balance). Was may refuse to accept any such payment by rsWming it to you, not deshmg it or destroying it. All other payments that you make should be sent to the appropriate payment address. Ai nil 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 lee is non-refundable unless you notify us that you wish to dose your amount within 30 days of the date we mail your statement on which IN areal in is charged and at the same time, you pay your olrtstanding balance in full. Your payment of the annual to does not affect our dghb to dose your account aid to kmit your fight to make transactions on your account. R your account is dosed by you or us, we will continue to charge the annual in unlit you pay your outetanding balance in full and berminab your account relationship. EgboWme of Release Charges: We calculate periodic finance charges, using the applicable periodic rata shown on this statement separately for each feature (e.g., balance transfer/convenience checks and can advance dads ('check transauflen ?, purohmes, balance ann al cash advances. promotional balances or overdraft advances). Please consult your tardmember Agreement for the features tie[ are applicable to your cad These calculations may combine different categories with the sane daft' periodic rats. If there is a "V" next to a periodic rob on this statement that rate may vary, and the index and margin used to determine that rat 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, ash advance, or cheek transaction, in the amounts staled in your Cardmember Agreement as amended. To get the daily balance for each day of the current bittingq cycle. we take the beginning balance for etch feature, add any new trensactions or other debits (including tees, unpaid finance dugs and other charges), subbed: any payments or credits, and make other adjustments. Transactions are added as of the transaction dab, the beginning of cis billing cycle in which they an posted to your amount or a later dab of our choice (except that check transactionsare added as of the date deposited by the payee ors leer data of our choke). Fees are added either on the dab of a related transaction, the date they are posed to your account, or the last day of the billing cycle. This gives us the day's dairy balance. A credit balance is treated use balance of zero. If a dally parodic 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 I add these pariodic finance charges to your dairy balance to get the beginning balance for the next day. Of 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 day balance amount at the end o the billing cycle to calculate the daily periodic finance charge each day.) To gat your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the dally 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 avem daily balance for each helium by the applicable daily periodic rare, and Ilan multiply each of these results by the number of days in the applicable billing cycle(s), and than add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations duo to rounding. To get your total periodic fkencecharge for a billing cycle when a monthly periodic rays) applies, multiply the average dairy 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, Grew Pealed (at had 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 row purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the dab and time your payment is due and also payment of your New Balance on your previous statement by the data and time your payment was dua. There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if mere is a "Oualifying Promotional Financing" section on this statement, you will not incur periodic fiance charges on arty Remaining Balance that appears in that section if you pay that bounce In full by the applicable Expiration Dab. However. if you default under the terms of your Cardmember Agreement or any Quafirying Promotional Financing oiler, the applicable periodic fiance charges will accrue on a'.ry 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 OueliHing Promotional Financing section. payyour full New Balance minus the ro a of those Remaining Balance(s) by the dab and fire your payment is due. However K your statement shows drat a minimum payment Is drat, we must receive at least that minimum payment by the date and Dms specified on your statement even it your New Balance consists only of Qualifying Promotional Financing balances. For 'deferred in%rW Oualiying 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 PoA by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as me 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 detain' For'lbked payment" Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you wig 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 now purchases as described above. BILLNIS RIBHF$ SUMMARY In Case of Ernes ar Q"m Aleut Yaw Sit If you think your blll is wrong, or if you need more iMormatbn about a transaction on your bill, write Cardmember Service on a separate sheer 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 big on which the error or problem appeared. You an telephone us, but doing sowill 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 an, why you believe there is an error. If you need more Information, describe the nom you are unsure about. You do not have to arty amount in question while we are imrsetlgatlnq but yyou am still obggaad to ply me parts of your bill that are not in question. While we investiga te your question. we cannot report you as definquam or on take acti to allect the amount you question. If you have authorized w to ply your it card bill automatically him your samngs or dedcinq account you can stop ch payment ou any amount you mlrbk le wrong. To stop the payment, your se r or call (wing the Cardmember Service address or telephone number shown on cafe abtement) moat reach us an least three business days before the automatic payment is scheduled to occur. Slashed Role ter QdN Card Pwdnaeee If you have a problem with the quality of goods orservices mat you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to erred the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have min 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 mating address, These limitations do not apply if we own or operate the merchant, or if we meted you the advertisement for the property or services. MA030708 Cardmember Agreement CMA18103 ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card forthis account Arryuse of your account is covered bythis agreement Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for all transactions made on your account You promise to pay us for all transactions made on your account, as well as any fees orfinance charges. It 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 beck 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 accountor not, you will be bound bythis agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement. the words 'we','es' and'ae mean Chase Bank USA, NA., the issuer of your credit card and account. The words W, year and "tours' mean ail 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 on the account The word'cerd' 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 USMNt 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 hosed through use of your account You promise to use your account only for valid and lawful transactions. For example, Internet gambling may be illegal In same places. h 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 underthis agreement 11" at 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 wayte useyouraccount We also refortothern in this agramentas a checko checks. You may use a checker pay for goods or services, to transfer balanceste your account, or for other uses we allow. But you may root 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 agree.ntor any offer we make to you. We may treat checks that we call convenience checks as balance transferchecks. However, checks thetwe call convenience checks and thetwe indicated to you are subject to the terms for cash advances, maybe treated as cash advances and assessed cash advance rates and fees. • Balaaa Translate: 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 at a requested balance transfer will exceed your available credit fins, we may process a partial balance transfer up to your available erect Ina. • Cash Aolvaaces: You may use your card to gat cash from automatic taller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, rata track wagers or for similar betting transactions. You mayalso use a third party servicew make a paymentonyor behalf and billthe payment to this account • Overdraft Advwras: If you have an eligible checking account with one of our related banks, you may Auk this account to your checking account with our related bank to cover an overdraft on that checking account under the terns of this agreement and your checking account agreement. BUNK CVWc In order to manage your account, we divide time into periods called "billing cycles'. Each bung cycle is approxi atdyons moth in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a biling 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 to,this account may appear on the credit report of 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 lathe use of your accountand 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, wiz ray close the account and/or issue a now card or cards with a different account number. You should also recover and dostroy 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 ststeraents. We may do refer to the credit Bra as a credit fimh. Your lasing stateaent may also show that only a pardon of your ere&Krus maybe used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit fine. You are responsible for keeping track of your account balance, including any fees and finance charges, and making sure It remains below your credit Ina. If your account balance is over your credit line for any reason, we may charge you an ovedimitfea 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 Una, 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 One, orthe cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will notincrease your creditline.A change to your creditlnewill not offectyour obligation to pay us. hterasidenal lfraassati x International transactions Include any transaction that you make in a foreign currency orthatyou make outside ofthe 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 convention procedures. The exchange rats 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 raw the respective entity itself receives), or the govemmoint-mandated raw in effecton the appiiesble processing date. The raw in effect on the applicable processing date may dli ferfrom the raw on the date you used your card or account We reserve the right to charge you an additional 3% of the U.S. dolaramount 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 Musa or MasterCard. In either case, the 3% will be calculated on the U.S. dolor amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. Rebell teANherfw Traaaeedans:We may, but are 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 oanlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses g 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 ornlnne transactions, we may require that you register your account with an authorization system that we select We will notify you if we wantyou to register. H you do not register, we may decline your online transactions. Bohol to Pay Cheoks: Each check you write Is your requestfor 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 checkfor any reason, including the following examples: • We or one of our mated eomp"s Is the payee erl the check. • Your creditlineorcash advance pardon ofyourcreditlnehasbeen exceeded, orwould be exceeded 0 we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we ere not responsible. • You have used the check after the data specified on it • You are in default or would be if we paid the chock Legit or Slates CoMs, Chaska or Accoaat NwrhI - If any card, check, account number or other mans to access your account is lost or stolen, or you think someone used or may use them without your psrmaafoi, you must notify us at once by calling the Cardmember Service telepho a numbershown on your card or biling statement Do not use your account after you notify us, even if your card, check, accountnumber 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 ts your account You may be liable N there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more then 550.00 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 mustidendfyfor us the unauthorized charges from which you received no benefit. We may require you t0 provide us information in writing to help us find outwhat happened. We may also require you to comply with certain procedures in correction with our investigation. PAYINENTS Payment lostmadoes: 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 Was 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 debitthatwill be processed or honored byyourfinaneial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment Any payment check or other form of payment which you send to us for less than the full balance that Is marked *paid In four orwith a similar notation orthatyou otherwise tender in full satisfection of a disputed amount (conditional payments), must be sent to us at the conditional payments address listed on your monthly statement We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or I any such payment is received at any other addrass, we my acceptthe paymant 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 ft. AN other payments that you make should be sent to the regular payment address shown an your monthly statements. Page t of 5 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 chocks it 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 nwnbers to your bank. Your bank account may be debited as early as the some day war receive your payment The original payment check will be destroyed and on 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, to that we receive it by the date and time payment is due. You may pay more than the minkrwm payment due and may pay the full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooneryou pay us, the less youwill 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). N the New Balance is $10.00 or less, your minimum payment due will be the New Balance. Otherwise, it win be the largest of the following: $10.00; 2% of the New Balance; or the sum of 1%ofthe New Balance, total billed periodic rate finance charges, and any billod late and overihnit fees. As part of the minimum payment due, we also add any amountpast due and any amount over your credit line. Payneai Allocation: You agree that we are authorized to allocate your payments and credits in a way that is moat favorable to or conveniontfor us, For example, you authorize us to apply your payments and credits to balances with IowerAPRs (such as promotional APRs) before balances with higher APRs. Credit Balaaees; You may request a refund of a credit balance at any time. We may reduce to amount of any credit balance by the amount of new charges or fees billed to your account. Automatic Chagee: You may authorize a third parry to automatically charge your accountforropeattran actions (forexample, 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 fornotfying the bilerand paying these charges directly. If your account number charges, we may, but are not required to, payfrom your new account number charges thatyou outhorizedtobe billed toyour old account number. Promotions: From time to time we may offer special terms for your account If we do, we will nodfy you about the terms of the offer and how long they wig be in effect Any promotion is subject to the terms of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rata mad Amami Perceatap Rata: Your so ml peraahge miss ('APRs1 and the corresponding daily periodic rates are listed on the Rabe and Fees Table that is at the and of this document or provided separately. To get to daily periodic rate we divide the APR by 385, and in effect always round up at the fifth place to the right of the decimal point. Variables One or more AMthetapplyto your secountmayvarywith changes to the Prime Rate. When you have an APR that varies with charges to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published In The WagStreetJoumaitwo business days before the Clothing Date shown on your billing statement Ths'Prime Rate' is the highest (U.S.) Prime Rate published in the Money Rates section of The WW SlreetJournaL If JheWaNSYreetJoumalstops publishing the Prime Rats, we will selects similar reference rate and inform you on your billing statement ortmough a separate notice. A 'margin' is the percentage we add to the Prime Rate to calculate the APR. A 'business da-f is any day that Is not a weekend or federal holiday. The Rates and Fees Table shows which rates, il any, are variable rates. it also Mats the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business hays before the Closing Date shown on your billing statement, we see whatthe Prim 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. H our calculation results in a change to a daily periodic rate fromthe previous billing cycle because the Prim Rate has changed, the now rate will apply as of the first day of your billing cycle that ends in the calendar morph in which we made the calculation. Ifthe dally periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment Default Ilene: Your APPA also may very 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 mired on this account or any other account or loan with us, at loutthe minimum payment due by the date and time due. • You exceed your credit flew on this account • You make a paymentte us that is not honored by your bank. If any of these events.occurs,we mayincresse the APRs (Including any promotional APRs on all balances (exchnliag overdraft advanced up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of tine your sccount has ban open, the existence, seriousness end timing of the defaults on your account; other indications of your account usage and performance; information about your othar relationships with us or any of our related companies; and information we obtain iron consumer credit reports obtained from credit bureaus. The default rate will take effect as of the first day of the billing cycle in which tie defeuk occurs. If we decide notto increase your APR even though there is a default or it we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any future default We may in our discretion detomhina to charge reduced default rates or reinstate standard rates for all or selected balances on your account Finaace Charge Calculation - Average Daily Balance NW&W (including New Transaction* We calculate periodic finance charges separately for each balance associated with a different category oftransactions (for example, purchases, balance transfers, beloncetrahsfer4hooks, cash advances, cafe advance checks, overdraft advances,and each promotionj.These calculations may combine different categories with the same daily periodic rates. This Is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the dolly balance for each of those categories byte dolly, periodic rate for each of those categories, each day. You may have overdraft advances only if you have linked this accountto a checking account with one of our related banks. We calculate the periodic finance charges for purchases, balance tranders, balance transfer checks, cash advances, and cash advance checks subjectto a promotional rate the same way, butwo use the promotional rate. To getthe daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any now transactions, fees, other charges, and debit adjustments that apply to that category. We add a now purchase, cash advance, balance transfer or overdraft advance, 9 applicable, to the daily balance as of the transaction date, or a laterdate of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance arty 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 gat the beginning bahence 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 may vary based on th e amount of its avenge daily balance, we will use the daily periodic rate that applies for the average doily balance amount at the and of the biting cycle to calculate the dally 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 char is due, we will charge you at least the minimum periodic finance charge stated in the Rob: and Foos Table. tf itis necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billelg cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. For each categorywecalculate anaverage dailybalance tleclut ingnowtransardions) for the biting cycle by adding all your doily balances and dividing that amount by the number of days in the blikg cycle. If you multpiythe average daily balance for a category bythe applicable daily periodic rate, and muhfplythe result bythe number of days in die billing cyclo, the total vii equal the periodic finance charges for that balance atfribubbleto thatbOing cycle, exceptoor minorvarlstons dusto rounding. Grace PariodadAcco al dFhaseeChirlosWeseersperiodic finance charges on atransaction,fee,orfinancecharge fromthe data itisaddedwyourdoiybolance until psymentin hall is received on your account Howewr, war do notcharge periodic finance charges on new purchases bided during a biMlag cycle ff ws receive payment of your Now Balance by the date and time your minhnum payment is due and we received payment of your Now Balance on your previous biting statement by the date and tin your paymeetwas due. This exception or'grace period' applies coly to purchases and does not applyto balance transfers, balancetransfer checks, cash advances, cash advance checks or overdraft advances, if applicable. Treesaction Fees for Cash Advescee: 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 paymaNto this eccoun, we may charge a transaction fee for the PaYmonL These transaction fees are fiance charges. We add the fee to the balance for the related category as of the transaction deter of the cash advance. For example, a transaction fee ter a cash advance would be added to your cash advance balance. Transaction Foos for Balems TramMers: We may charge you a balance transfer fee in the amount stated in the Rata and Fees Table for balance transfer checks and balance transfers. These transaction (aa are Roma charges. We add the fee to the balance for the reload category as of the transaction date of the balance transfer. For example, e transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AN CHARGES We may charge the following fees. The amounts of these fees are listed in the Rates and Foos Table. These few will be added to the balance for purchases mode during the biting cycle. Ansaai BMsmllma M Fes: H year account has an annual membership fee, it will be billed each year or in monthly Installments (as stated in the Rates and Fees Table), whatherornotyou use your account, and you agree to psyk when billed. The annual Page 2 of 6 CMA18103 membership fee is non-refundable unless you notify usthetyouwishto close your account within 30 days ofthe date we mailyour billing statementon which the annual membership fee is charged and atthe seine time, you payyour outstanding balance in fall. Your payment of the annual membership fee does not affect our rightte close your account or limit your right to make transactions on your account If your account is closed by you or us, we will continue tochargethea nualmembershipfeeundlyoupayyouroutstandingbalance in full and terminate your account relationship. Late Fee: If we do not receive at least do required minimum payment by the date and time it is due as shown an year 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 an the currant month's statement that shows the late fee. This balance is the name as the Now Balance shown on the prior month's statement for which we did not receive at leastthe required minimum payment by the date and time it was due. Owriimit Fee: If your account balance is war your credit line at any time during a billing cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee even ifyor balance Is over the creditline because of s finance charge or fee we imposed or a transaction we authorized. We will not charge more then one ovedimk fee for any billing cycle. Butwe may charge an overRenit fee in subsequent billing cycles, even if no new transactions are made on your account if your account balance all is over your credit One at any time during the subsequent billing cycles. Room Payment Fee: If (e) your payment check or similar instrument is not honored, (b) an automatic debit or other electronic payment is returned unpaid, or (c) we most return a payment check because It Is not signed or cannot be processed, we may charge a return payment fee. Return Chad Fee: If (a) we stop payment on a cash advance check or balance transfer check at your request, or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check tee. Administrative Fees It you request a copy of a billing statement sales draft or other record of your account or N you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for thew services. However, we will not charge you for copies of billing statements, sales drafts or similar documents thsayou requestfora billing dispute you mayassertagoinstus under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in of ectwhen we offer the service. DEFAULT//COIIECTION We may consider you to be in default if any of thew occurs: • We do not receive at leastthe minimum amount due by the date and time due as show 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 sxterit permitted by law, if you are in default because you have failed to pay us, you will pay our collection coats, attorneys' fees, court costs, and all other expenses of enforcing our righte underthis agreement. CLOSING YOLM ACCOUNT You may claw 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 dose your account at my time or suspend your credit privileges at anytime for any reason without, prior notice except as required by applicable low. If we close your account, we will not be Fable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we one your account, you and any authorized users must immediately stop using your account and destroy all cards, chocks 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 cloud and you will be required to pay the outstanding balance on your account according to the terms of this agressnem In addition, to the extent allowed by law, we may require you to pay the outstanding balance hnmadstefy or at any tbne after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATKK 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 BEAGLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE RENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OFTHIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE AJUOGE OR JURY. AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIOHTS ARE WAIVED. BhrdiigAdd*Wai.ThisArbitrsdon AgreemeMis made pursuantto a transaction involving interstate commerce, and shad be governed by and be enforceable under the Federal Arbitration Act(tbo TAA'69 U.S.C. 11-16 as kmay be arnended.ThisArbitration Agreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of being litigated in court Pardee Covered. Forthe purposes of thisArbiUetionAgreemeK w,'ue, snd'our' also includes our parent subsidiaries, alfillates, liceruses, predsconars, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and all of them. Additionally,1we','ue' and "our shall include any third party providing benefits, services, or products in connection with the Account (including but not Orrdied to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and allof thshrofficers, directors, smpW&s%agents and representatives) If, and only R, such a third party is named by you as a cc-defendant kit any Clalm you assert against us. Claims Covered. Either you or we may, without the other's coraent elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the odor, or againstMe employees, parents, subsidiaries, afflistes, beneficiaries, agents or assigns of the other, ariaig from or relating in any way to the Cerdmember Agreement, any prior CardmemberAgreemoKyotr creoltcard Accontorthe adverdit application or approval of your Account ('Maim'), This Arbitration Agreement governs all Claims, whether such Calms are based on law, sums, contract, regulation, ordinance, tort common law, constitutional provision, or any legal theory of law such as respondeat superior, or anyotherlagal orequitable grou eland whethersuch Claims seekas remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject tothisArbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire Cordmember Agreementor any prior Cerdmember 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 initiate: a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by ory party or parties. As an exception to this Arbitration Agreement, you retain the right in pursue in a small claim courtany Claim thatiswithinthat court's jurisdiction and proceeds on an individual basis. 9 a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shag have no authority to proceed on such basis. This means that even Is cloas action lewsukor other representative action, such asthat in the form of a private attorney general action, htfiled, any Clain bet wssn us rot" tothe issues raised in such lawsuits will be subject to an individual arbiMon claim if either you or we so elect No arbitration will be consolidated with any other arbitration proceeding without the coned of all parties. The only Claims that may be joined in an individual action under this Arbftmdw Agreement are (1)thoss brought by us agalnstyou end any co-opplicent 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-applicad, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. ImNfetlem of Arbitration. The party filing a Clain in arbitration must choose one of due fallowing two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are Independedfrom us. The administrator does not conduct tat arbitration. Arbitration is conducted under the rules of tat 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 Arbitrsdon Agrsamed. Any arbitradon hearing that you attend aha0 be hold at a place chosen by the arbitrator or arbitration admirdwator within the federal judicial district in which you reside at the time the Maim is filed, or at tons other piece 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 in etions for initiating arbitration by contoodng the arbitration Wministretors as follows: American Arbitraden AssWatios, 335 Madison Avenue, Roor 10, New York, NY 10017-4805, Web site. www.adr.org, 800-7711-Mil; or National ArWGallmm Foram, P.O. Box 50181, Minneapolis, MN 55405, Web she: www.arbitration-forwo.com, 88474-2371. Prosedaes said law appliceble In arbiemilom. A single, neutral arbitrator will resolve Claims. The arbitratorwill aither be a lawyerwith atleestten years experience or a retired or tamer judge. The arbitration will be conducted under the applicable procedures and rulas 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 caw this Agroomentwill pronil. Then procedures and rules mey0mitthe amount of discovery available to you or us. The arbitrator will apply applicable substantive low consistent with the FAA and applicable stetutes of limitations, and will honor claims of privilege recognized at law. You may choose to haw a hearing and be represented by counsel. The arbitretorwill take reasonable steps to prate ct customer Accountkdormston and other confidential rotor otion, including the use of protective orders to prohibit disclosure outside the erbkratlon. H requested to do to by you or us. The arbitrator will hoe the power to award to a party any dosages or other relief provided for under apple" law, and will not haw the powerto award regal to, agelns% or forthe benefit of any pews who is not a party to the proceeding. If the low authorizes such relief, the arbitrate may award punitive damages or attorney fees. The arbitrator will make any award in writing butneed root provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons fort he award. Costs. We will reimburse you for the initial arbitration fiOng fee paid by you up to the amount of 5000 upon receipt of proof of psymenL Additionally, ih there is a hearing, we Page 3 of 5 CMA18103 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. AN otherfesswill be allocated in keeping withthe 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 determnes there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the foes and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal has permitted below), except that the arbitrator shag apply any applicable law in determining whether a party should recover any or all fees and costs from another party. Endefcement Naelity, as. Failure or any delay in enforcing this Arbitration Agreemantotanytiae, orm connection with anyparticularCleirK will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration procesdhng will be final and binding on the parties, unless a partyappeale inwridngto the arbitration organization within 30 days of issuance of the award. The appeal must request a now 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 same rules that apply to a proceeding using a single arbitrates and make decisions based on the vote of the majority. Each party will bear their own lose, 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 low, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severalilft. survival. This Arbitration Agreement shall survive: III termination of changes in the CardmemberAgro AgrommimL the Account and the relationship between you and us concerning the Acccwv? such as the issuing of a new account number or the transferring of the balance in the Account to another account; (11) the bankruptcy of any party or any similar proceeding initiated by you or on your behalf, and Ili) payment of the debt in fill by you or by a third party. U any portion of this Arbitration Agreement is deemed iavagd or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, re rdle ss of whether you have access to your account by adding, deleting, or mod' g any provision. Our right to add, delete, or modify provisions includes finsncis terms, such as the APRs and fees, and other terms such as the native, extent and enforcement of the rights and obligations you or we may have relating to this agreement Modifications, additions, or deletions are called 'Changet' or a 'Change'. We will notify you of any Charge if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, In accordance with applicable low. 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 Of it Is notalready closed) and you will be obligated to pay your outstanding balance underthe applicable terms of the agreement. If you do not notify us in writing "a date stated in the notice, or Nyou notify us but then use your account after the dab stated in the notice, you will be deemed to accept all Chongea in the notice and to accept and confirm ail terms of your agreement and all Changes in prior notices we have sent you regardless of whethor you have access to your account CREDIT OFOMNATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information aboutyou and your accountb 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 hew reported inaccurate information to a credit bureau, you may write to us at the Cardmender Service address listed on your billing statement Please include your name, address, account number, telephone number end a brief description of the problem. N available, piano provide a copy of the croft bureau report in question. We will promptly unwstigata the matter and, I our Investigation shows that you are right we will contact each credit bureau to which we reported the information and will requea they comet the report If we disagree with you after our investigation, we win 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. NOTHIEfilIS1AN8E OF PERSONAL INFORMATION We wig send cards, billing statements end other notices to you atthe address shown in our files. Or, n 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 hams, cellular or business telephone number or small address Of 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, acceptmagisp address corrections from the United States Postal Service. We maycomactyou aboutyour account including for customer servics or collection, at any address or telephone number as well as say cellular telephone number you provide us. TELEPHONE MONRORINO AND RECORDING We, and R applicable, our agents, may listen to and record yourtelephone calls with us. You agree that ws, and R applicable, our agents, may do so, whether you or we initiate the telephone can. INFORMATION SHARING You authorize us to share certain information aboutyou and your accournwithin 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 low. Our Privacy Policy, which is provided to you when you first receive an agreement and atleast once each colenderyeartherealln 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 CAROWN IBEBS 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 Isuch as sharing information to process your transactions or in response to a subpoena). You hereby ogres that, if you choose notto exercise die applicable opt outdosedbod in our Privacy Policy, you will be deemed to have authorized us to share personal informationwo 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. ENFORCMGTHISAGRBI;IY W We can deleyonforeing or notenforce anyof our ight; underthis agreementwithout losing our right to enforce them in the future. N 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 under this agrsonem to a third party. The portents whom we make the essignttentwill be endued to any of our rights that we assign to that person. GOVERNING LON THETERMSAND EON:ORCEMENTOFTHISAGREEMENTANOYOURA000UNTSHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW ANO,TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILLAPPLYNO MATTER WHEREYOU LIVE OR USE THE ACCOUNT. FOR INPORNIRTION Please call the Cardmembor 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 Nodes For Fabnre Use This notice contains hmportentinformation about your rights and our responsibilities under the fair Credit Billing Act Netily Us In Case Of Enm Or Gasoline Abeat Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bin, write us on a separate sheet atthe Cardmsnsber Service address shown on your billing statettent Write to us as soon as possible. We must hear from you no later than 00 days after we am you the first bill on which the error or problem appeared. You can telephone us, but doing so will nut preserve your rights. In your loner, gin us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, n 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 loiter must reach us at least throe business days before the automatic payment is scheduled to occur. Your RIShb And Our Mapoeeibilides Altar We Receive Your Wri1Mn Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 80 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 contimns to bin you for the amount you question, Including finance charges, and we can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you 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 statemem of the amount you ows and the dab that it is due. If you hg to paythe smountthat we think you owe, we may reportyou as delinquent However, if our explanation does not satisfy you and you writs to us within 10 days telling us that you still refuse to pay, we most tell anyone we report you to that you have a question aboutyour bile. And, we musttell you the name of anyone we reported you to. We mustten anyone we reportyou to thatthe matter has been settled between us when it finally is. If we don't follow these rubs, we can't collect the first $50.00 of the questioned amount oven If your big was comet Special Ruin for Credit Card Pufalwass Page 4 of 6 CMA18103 If you have a problem with the quality of proparty or services that you purchased with a credit card, and you have tried in goad faith to correct the problan 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, K notwithin your home state, within 100 miles of your current ma'rl'ing address; and Ib) The purchase price must have been more than $60.00. These limitations do not apply it we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright®2007 JPMorgen Chace & Co. All rights reserved. Page 6 of 6 CMA18103 RATES AND FEES TABLE (This table may also be referred to as the Table of Interest Charges) Rates (APR mesas Ansel Mrcentmce Rate) IntroductoryAPR 0% fixed APR (0% daily periodic rate) on balance transfers and balance transfer checks for the first 3 billing cycles following the opening of your account (the *Introductory Period') Purchase APR The Prime Rats* plus 14.99%, currently 23.24% 10.06368% daily periodic rate) Balance Transfer/Balance Transfer Check APR afterthe Introductory Period The Prime Rate" plus 14.96%, currently 23.24%;0.083611% daily periodic rate) Cash Advance/Cash Advance Check APR The Prime Rate* plus 19.98%, currently 28.24% (0.07737% daily periodic rate) Default APR The Prime Rate" plus up to 23.99%, currently 32.24%10.08833% daily periodic rate) Overdraft Advance APR 13.99% fixed APR (0.03633% daily periodic rate) Estimated variable APRs above are based on the 8.25% Prime Rate as of March 22, 2007. Faso and Finance Chosen ATM Cash Advance Fee -- Finance Charge 3% of transaction (minimum fee of S10.00) Non-ATM Cash Advance / Cash Advance Check Fee -- Fiance Charge 3% of transaction (minimum fee of $10.001 Balance Transfer Fee -- Finance Charge 3% of transaction (minimum fee of $5.00 and maximum of 575.00) Balance Transfer Check Fee -- Finance Charge 3% of transaction (minimum fee of 55.00 and maximum of $75.00) Minimum Periodic Flames Charge $1.00 (If any periodic finance charge is payable for a billing cycle) Annual Membership Fee None Late Fees: 515.00 if the balance is up to, but not including $100.00; $29.00 if the balance is $100.00 up to, but not including SM.00; $39.00 9 the balance is 5250.00 and over O vedwt Fee IlKoo Relura Payment Fee S39.O0 Rewn Check Fee S39.o0 Administrative Fear. Copy of Billing Statement or other record $5.00 Page 6 of 6 CMA18103 CHASE 4 BILL OF SAM Closima Data: May 19, 2010 Chase Bantk USA. N.A. for value received etd puntum b &a tarns and ca o"as aaf Credit C *d Acawu fteb sc Ageemea dMed betweer Ow Be* USA. N.A. aadll/idla dFsudltK, ac ("Pwchwe% iisauccwore aad sn*u M"t Cod Mcoum Fwrhede ApeaaeaO. bw* UWSW ellPadva u afalro.[rds Craitlaq. DMa of Ma0r 13.2010 ail rim ddeasd iasaeaa of Sdkr m tsad b tltcae Primary Pltel?aaes) attlacbad herao and made part iaasof Atr alt pumpoaes. Marnbaar of Accoonte _ Total Unpaw Balances Prentlum DttaShcer Amo m a daa to &Aw l y FttraMw is bertatsder adtali be paW U,S. WW* by a wire uroda to to taodved by Seileroa * "Cl ft Dsw*l May 19.2010 by M p.m. Sellers dme, as foliews: Cbw Bads USA, N.A. ABA BmdWM Nape: Chsasllaob USA, N.A This )Mti of Sob is a xAmod withowwwatse except ar stated is the Credit Urtt AaxotrM Pusdwe Apamatt to- wMab this is an BtthibiL No wiser raapre os of aar waraatMy & side ax enforce 11111V y awassed or implied With respest [a account mfaraation for the Aaxounta listed in "Final Date Rls, War reprasatts and wwrrafts to P?.arciaaer that (1) tie Ac ow is m ation is eompift acrd soc=W (ii) dw Accapat isfaanuWoit 000a how sdws own busium records and ata vw&Wy refleom is all mmerial ratpects *a k $dbx'a daWMW (ib7 tie Account lulbroution was bept M dae reed& eoaraa of MubwW (iv) t wAooa o roll rt win vas made a or near"dw by, or ftm Isdansdowt erasamelued by, a peatprt w h bsow of tba data. asm oul undo sad mWataiued is tie SdWs daubasA and (v) it is the prsctioe of s bsauaasa to maintain and compile sash data. Cbasa 7=A. Midbsd dlmad Lt..C By. -? a By. ?Y_ Data: Mav 14.20 10 Date: Title: Tmea lmider Title J // 7/ Dept. 12421 PO Box 603 Oaks. PA 19456 11111®1110111111 08-25-2010 #BWNHLTH 18321 3110 #0000 0853 4657 9239# CYNTHIA J DAUM 1039 OYSTER MILL RD CAMP HILL, PA 17011.1002 Dear CYNTHIA DAUM, Midland Credit Management, Ii 1!li 1111;__111._IJ ;J Midland Credit Management, Inc. has made several attempts to contact you regarding this account. This letter is to inform you that we are considering forwarding this account to an attorney with the intent to initiate legal action to satisfy the debt. Upon receipt of this notice, please call immediately to discuss your options. If we don't hear from you or receive payment by 09-24-2010, we may proceed with forwarding this account to an attorney. What do you need to do to stop this process from continuing? 1) Mail in $250 and call to set up your remaining payments, or 2) Call us today to see how to qualify for discounts and affordable payment plans. LET US HELP YOU! Once the account goes to an attorney, our flexible options may no longer be available to you. There is still an opportunity to make arrangements with us. We encourage you to call us today: (800) 939-2353 Midland Credit Management (800) 939-2353 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION AND ADDITIONAL DETAILS ABOUT YOUR ACCOUNT. Your credit report will not be updated if the federal reporting period has expired. Please tear ofj"and return lower portion with payment in the envelope provided MCM Account No.: 8534657923 Current Balance: $9,140.12 Payment Due Date: 09-24-2010 Amount Enclosed: Make check payable to: Midland Credit Management, Inc. mCn7Midland Credit Management, Inc. P.O. Box 60578 Los Angeles, CA 90060-0578 11111.11..11Y11111111111.1111111111111111111111111111111111111 12 6534657923 9 0914012 092410 5 1ese1-aoea- 311o Hours of Operation: M-Th Barn - 7pm; Fri Gam - 5pm; Sat Gam - 2:30pm PST Dept. 12421 PO Box Oaks, PA0 19456 STATEMENT Previous Balance: MCM Account M 8534657923 $8,999.67 Interest Rate: Original Account #: 5260210015646200 6.00% Accrued Interest: Statement Date: 08-25-2010 Due Date: 09-24-2010 $140.45 Current Owner. Midland Funding Original Creditor: CHASE BANK USA N.A. Current Balance: $9,140.12 Due Date Date Received Transactions Amount 09-24-2010 08-25-2010 The above-referenced account was purchased by $9,140.12 Midland Funding LLC and is serviced by Midland Credit Management, Inc. ("MCM"). The balance of $9,140.12 is due now. Please direct all correspondence to: Midland Credit Management. Inc. Current Balance: $9,140.12 Please understand this communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State of New York County of Nassau Christine L Sallie being duly sworn, deposes and says: I am over 18 and not a party to this action. I am the CSD Strategy Analyst Lead (Title) of Chase Bank USA, NA. (creditor). In that position , I am a custodian of the creditor's books and records, and am aware of the process of the sale and assignment of electronically stored business records. On or about 5/19/2010, Chase Bank USA, NA. (creditor) sold a pool of charged-off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill of Sale to Midland Funding, LLC (debt buyer). As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course of business of Chase Bank USA, NA. (creditor). I am not aware of any errors in these accounts of my know7day Signed this oiL"10 The above statements are true to the best e stine L Sallie On W?1 Ll efore me appeared Christine L Sallie personally known to me or proved to me on the basis of satisfactory evidence to be the individual(s) whose name(s) is (are) subscribe to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their capacity(ies), and that by his/her/their signature(s) on the instrument, the individual(s), or the person upon behalf of which the individual(s) acted, executed the instrument. Not STANLEY F. DAVID, JR. Notary Public, State of New York No. 494802 Quallfled in N Commission ExpireST4n SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff i L Jody S Smithy Chief Deputy Richard W Stewart 21,111 FEB `B AM Solicitor - "MBERLtc[:J1r ` s , FEN SY'NAt? 1,- Midland Funding LLC Case Number vs. Cynthia Daum 2011-1272 SHERIFF'S RETURN OF SERVICE 02/04/2011 04:52 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on February 4, 2011 at 1652 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Cynthia Daum, by making known unto herself personally, at 1037 Oyster Mill Road, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. ;J ASHALL, DEPUTY SHERIFF COST: $41.50 February 07, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF